Home > Salem Five Cents Savings Bank > Performance and Condition Ratios
Salem Five Cents Savings 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 | 4.5573% | 2,998 |
| Cost of funding earning assets | 1.9514% | 993 |
| Net interest margin | 2.6059% | 3,952 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 1.9231% | 3,789 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8622% | 2,665 |
| Return on assets (ROA) | 0.9138% | 2,470 |
| Pretax return on assets | 1.2266% | 2,071 |
| Return on Equity (ROE) | 8.0400% | 3,009 |
| Retained earnings to average equity (ytd only) | 8.0413% | 1,526 |
| Net charge-offs to loans | 0.0767% | 1,099 |
| Credit loss provision to net charge-offs | 123.5839% | 1,647 |
| Earnings coverage of net charge-offs (x) | 21.9812% | 1,826 |
| Efficiency ratio | 59.7591% | 3,106 |
| Assets per employee ($millions) | 11.1483% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,436 |
| Loan loss allowance to noncurrent loans | 484.6366% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 1,575 |
| Noncurrent loans to loans | 0.2425% | 2,334 |
| Net loans and leases to total assets | 73.1200% | 1,462 |
| Net loans and leases to deposits | 103.9600% | 360 |
| Net loans and leases to core deposits | 110.7999% | 925 |
| Total domestic deposits to total assets | 70.3300% | 4,278 |
| Equity capital to assets | 11.2625% | 1,384 |
| Core capital (leverage) ratio | 10.7332% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9696% | 1,542 |
| Memoranda: | ||
| Average total assets | $6,938,275,800 | 214 |
| Average earning assets | $6,552,638,800 | 205 |
| Average equity | $788,495,600 | 196 |
| Average total loans | $5,061,123,800 | 202 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 2,990 |
| Cost of funding earning assets | 1.7938% | 1,016 |
| Net interest margin | 2.6666% | 3,925 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 1.9611% | 3,687 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8593% | 2,834 |
| Return on assets (ROA) | 0.9289% | 2,573 |
| Pretax return on assets | 1.2469% | 2,179 |
| Return on Equity (ROE) | 8.1500% | 3,147 |
| Retained earnings to average equity (ytd only) | 8.1541% | 1,906 |
| Net charge-offs to loans | 0.1030% | 771 |
| Credit loss provision to net charge-offs | 93.6281% | 1,674 |
| Earnings coverage of net charge-offs (x) | 16.4198% | 1,933 |
| Efficiency ratio | 60.2799% | 2,933 |
| Assets per employee ($millions) | 11.0521% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,399 |
| Loan loss allowance to noncurrent loans | 519.0460% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 1,667 |
| Noncurrent loans to loans | 0.2298% | 2,429 |
| Net loans and leases to total assets | 72.4400% | 1,521 |
| Net loans and leases to deposits | 101.5304% | 451 |
| Net loans and leases to core deposits | 108.1557% | 935 |
| Total domestic deposits to total assets | 71.3400% | 4,279 |
| Equity capital to assets | 11.3148% | 1,239 |
| Core capital (leverage) ratio | 10.7576% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8454% | 1,610 |
| Memoranda: | ||
| Average total assets | $6,850,091,750 | 216 |
| Average earning assets | $6,467,167,250 | 206 |
| Average equity | $780,332,000 | 199 |
| Average total loans | $4,977,820,750 | 204 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 3,030 |
| Cost of funding earning assets | 1.5832% | 1,102 |
| Net interest margin | 2.7519% | 3,901 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 1.9375% | 3,742 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9243% | 2,674 |
| Return on assets (ROA) | 1.0886% | 2,146 |
| Pretax return on assets | 1.4711% | 1,648 |
| Return on Equity (ROE) | 9.5300% | 2,823 |
| Retained earnings to average equity (ytd only) | 9.5335% | 1,529 |
| Net charge-offs to loans | 0.1980% | 403 |
| Credit loss provision to net charge-offs | 49.4845% | 1,675 |
| Earnings coverage of net charge-offs (x) | 9.2992% | 2,025 |
| Efficiency ratio | 58.0589% | 3,184 |
| Assets per employee ($millions) | 10.6477% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,535 |
| Loan loss allowance to noncurrent loans | 467.4842% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 1,474 |
| Noncurrent loans to loans | 0.2528% | 2,251 |
| Net loans and leases to total assets | 72.1000% | 1,520 |
| Net loans and leases to deposits | 100.9050% | 477 |
| Net loans and leases to core deposits | 107.9175% | 911 |
| Total domestic deposits to total assets | 71.4500% | 4,312 |
| Equity capital to assets | 11.3486% | 1,248 |
| Core capital (leverage) ratio | 11.1190% | 1,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0889% | 1,551 |
| Memoranda: | ||
| Average total assets | $6,760,938,333 | 213 |
| Average earning assets | $6,395,298,667 | 204 |
| Average equity | $771,997,000 | 196 |
| Average total loans | $4,897,778,333 | 199 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 2,922 |
| Cost of funding earning assets | 1.3480% | 1,137 |
| Net interest margin | 2.9042% | 3,787 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.0036% | 3,620 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0003% | 2,522 |
| Return on assets (ROA) | 1.1524% | 2,024 |
| Pretax return on assets | 1.5574% | 1,564 |
| Return on Equity (ROE) | 10.0600% | 2,770 |
| Retained earnings to average equity (ytd only) | 10.0606% | 1,684 |
| Net charge-offs to loans | 0.0069% | 1,694 |
| Credit loss provision to net charge-offs | 1,445.7831% | 288 |
| Earnings coverage of net charge-offs (x) | 288.2169% | 375 |
| Efficiency ratio | 57.1439% | 3,285 |
| Assets per employee ($millions) | 10.6510% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 1,979 |
| Loan loss allowance to noncurrent loans | 420.1189% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 1,991 |
| Noncurrent loans to loans | 0.3123% | 2,028 |
| Net loans and leases to total assets | 71.4200% | 1,486 |
| Net loans and leases to deposits | 95.2256% | 702 |
| Net loans and leases to core deposits | 101.6041% | 1,019 |
| Total domestic deposits to total assets | 75.0100% | 4,220 |
| Equity capital to assets | 11.4812% | 1,161 |
| Core capital (leverage) ratio | 11.0597% | 1,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4405% | 1,510 |
| Memoranda: | ||
| Average total assets | $6,659,597,500 | 224 |
| Average earning assets | $6,305,148,000 | 213 |
| Average equity | $762,859,000 | 203 |
| Average total loans | $4,806,376,500 | 206 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4627% | 3,175 |
| Cost of funding earning assets | 0.5043% | 1,356 |
| Net interest margin | 2.9583% | 3,552 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.0614% | 3,413 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0402% | 2,415 |
| Return on assets (ROA) | 0.8876% | 2,959 |
| Pretax return on assets | 1.1955% | 2,454 |
| Return on Equity (ROE) | 7.6700% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.6733% | 1,966 |
| Net charge-offs to loans | 0.0568% | 1,080 |
| Credit loss provision to net charge-offs | 284.0237% | 938 |
| Earnings coverage of net charge-offs (x) | 37.0513% | 1,553 |
| Efficiency ratio | 56.8030% | 3,490 |
| Assets per employee ($millions) | 10.5578% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 1,845 |
| Loan loss allowance to noncurrent loans | 379.7569% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 1,906 |
| Noncurrent loans to loans | 0.3454% | 1,905 |
| Net loans and leases to total assets | 71.0200% | 1,524 |
| Net loans and leases to deposits | 94.7764% | 730 |
| Net loans and leases to core deposits | 101.4357% | 927 |
| Total domestic deposits to total assets | 74.9400% | 4,320 |
| Equity capital to assets | 11.4286% | 1,106 |
| Core capital (leverage) ratio | 11.1282% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3226% | 1,528 |
| Memoranda: | ||
| Average total assets | $6,245,660,400 | 228 |
| Average earning assets | $5,934,987,600 | 223 |
| Average equity | $722,481,200 | 209 |
| Average total loans | $4,460,544,200 | 210 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2153% | 3,397 |
| Cost of funding earning assets | 0.3795% | 1,446 |
| Net interest margin | 2.8358% | 3,660 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.0117% | 3,453 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0358% | 2,339 |
| Return on assets (ROA) | 0.7464% | 3,378 |
| Pretax return on assets | 1.0155% | 2,973 |
| Return on Equity (ROE) | 6.4300% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.4317% | 2,582 |
| Net charge-offs to loans | -0.0050% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0500% | 3,510 |
| Assets per employee ($millions) | 10.7547% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 1,899 |
| Loan loss allowance to noncurrent loans | 315.9363% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 1,728 |
| Noncurrent loans to loans | 0.4203% | 1,760 |
| Net loans and leases to total assets | 70.6400% | 1,427 |
| Net loans and leases to deposits | 94.2624% | 624 |
| Net loans and leases to core deposits | 101.3046% | 770 |
| Total domestic deposits to total assets | 74.9400% | 4,414 |
| Equity capital to assets | 11.3792% | 1,044 |
| Core capital (leverage) ratio | 11.1421% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3109% | 1,617 |
| Memoranda: | ||
| Average total assets | $6,152,140,250 | 235 |
| Average earning assets | $5,853,713,250 | 225 |
| Average equity | $713,965,750 | 209 |
| Average total loans | $4,384,655,750 | 213 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 3,496 |
| Cost of funding earning assets | 0.3281% | 1,455 |
| Net interest margin | 2.6955% | 3,705 |
| Noninterest income to average assets | 0.7784% | 1,104 |
| Noninterest expense to average assets | 2.0353% | 3,336 |
| Loan and lease loss provision to assets | 0.0693% | 1,376 |
| Net operating income to assets | 0.9408% | 2,398 |
| Return on assets (ROA) | 0.5826% | 3,622 |
| Pretax return on assets | 0.7927% | 3,352 |
| Return on Equity (ROE) | 4.9855% | 3,823 |
| Retained earnings to average equity (ytd only) | 4.9855% | 2,718 |
| Net charge-offs to loans | -0.0075% | 3,473 |
| Credit loss provision to net charge-offs | -1,304.3478% | 3,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6087% | 3,346 |
| Assets per employee ($millions) | 10.3764% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,976 |
| Loan loss allowance to noncurrent loans | 308.6823% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 1,695 |
| Noncurrent loans to loans | 0.4360% | 1,818 |
| Net loans and leases to total assets | 70.3969% | 1,262 |
| Net loans and leases to deposits | 92.5926% | 576 |
| Net loans and leases to core deposits | 98.2616% | 751 |
| Total domestic deposits to total assets | 76.0287% | 4,459 |
| Equity capital to assets | 11.4866% | 1,035 |
| Core capital (leverage) ratio | 11.1812% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4380% | 1,591 |
| Memoranda: | ||
| Average total assets | $6,059,085,667 | 239 |
| Average earning assets | $5,782,196,333 | 226 |
| Average equity | $708,011,000 | 207 |
| Average total loans | $4,311,565,333 | 211 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 3,549 |
| Cost of funding earning assets | 0.3338% | 1,331 |
| Net interest margin | 2.5626% | 3,745 |
| Noninterest income to average assets | 0.8196% | 996 |
| Noninterest expense to average assets | 2.0898% | 3,178 |
| Loan and lease loss provision to assets | 0.0705% | 1,167 |
| Net operating income to assets | 0.8330% | 2,544 |
| Return on assets (ROA) | 0.5976% | 3,383 |
| Pretax return on assets | 0.8130% | 3,070 |
| Return on Equity (ROE) | 5.0687% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.0687% | 2,570 |
| Net charge-offs to loans | -0.0083% | 3,511 |
| Credit loss provision to net charge-offs | -1,193.1818% | 3,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6408% | 3,186 |
| Assets per employee ($millions) | 9.8561% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 2,031 |
| Loan loss allowance to noncurrent loans | 263.5998% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 1,631 |
| Noncurrent loans to loans | 0.5195% | 1,728 |
| Net loans and leases to total assets | 70.2861% | 994 |
| Net loans and leases to deposits | 84.1727% | 870 |
| Net loans and leases to core deposits | 98.5354% | 559 |
| Total domestic deposits to total assets | 83.5022% | 3,862 |
| Equity capital to assets | 11.7134% | 1,054 |
| Core capital (leverage) ratio | 11.5294% | 1,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7362% | 1,578 |
| Memoranda: | ||
| Average total assets | $5,960,136,000 | 244 |
| Average earning assets | $5,702,259,500 | 233 |
| Average equity | $702,658,500 | 212 |
| Average total loans | $4,234,943,500 | 213 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9667% | 3,929 |
| Cost of funding earning assets | 0.4676% | 1,079 |
| Net interest margin | 2.4991% | 4,189 |
| Noninterest income to average assets | 1.1025% | 855 |
| Noninterest expense to average assets | 2.0741% | 3,458 |
| Loan and lease loss provision to assets | 0.1073% | 1,179 |
| Net operating income to assets | 0.9495% | 2,868 |
| Return on assets (ROA) | 1.1191% | 2,278 |
| Pretax return on assets | 1.5227% | 1,644 |
| Return on Equity (ROE) | 9.7803% | 2,606 |
| Retained earnings to average equity (ytd only) | 9.7803% | 975 |
| Net charge-offs to loans | 0.0136% | 2,056 |
| Credit loss provision to net charge-offs | 1,103.2028% | 495 |
| Earnings coverage of net charge-offs (x) | 145.5036% | 678 |
| Efficiency ratio | 58.2661% | 3,405 |
| Assets per employee ($millions) | 9.1851% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 1,957 |
| Loan loss allowance to noncurrent loans | 266.1757% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 1,743 |
| Noncurrent loans to loans | 0.5217% | 1,825 |
| Net loans and leases to total assets | 69.8576% | 1,059 |
| Net loans and leases to deposits | 92.3123% | 448 |
| Net loans and leases to core deposits | 97.3876% | 644 |
| Total domestic deposits to total assets | 75.6752% | 4,525 |
| Equity capital to assets | 11.8673% | 1,309 |
| Core capital (leverage) ratio | 11.4142% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1125% | 1,478 |
| Memoranda: | ||
| Average total assets | $5,777,409,600 | 243 |
| Average earning assets | $5,518,236,600 | 231 |
| Average equity | $661,063,400 | 227 |
| Average total loans | $4,140,795,000 | 217 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9770% | 4,048 |
| Cost of funding earning assets | 0.4934% | 1,079 |
| Net interest margin | 2.4836% | 4,307 |
| Noninterest income to average assets | 1.1603% | 849 |
| Noninterest expense to average assets | 2.0761% | 3,434 |
| Loan and lease loss provision to assets | 0.0730% | 1,582 |
| Net operating income to assets | 1.0059% | 2,885 |
| Return on assets (ROA) | 1.1395% | 2,469 |
| Pretax return on assets | 1.5507% | 1,846 |
| Return on Equity (ROE) | 10.0541% | 2,720 |
| Retained earnings to average equity (ytd only) | 10.0541% | 1,295 |
| Net charge-offs to loans | 0.0019% | 2,330 |
| Credit loss provision to net charge-offs | 5,250.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 1,045.9167% | 158 |
| Efficiency ratio | 57.7045% | 3,317 |
| Assets per employee ($millions) | 9.4898% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 2,225 |
| Loan loss allowance to noncurrent loans | 235.8091% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 1,837 |
| Noncurrent loans to loans | 0.5725% | 1,877 |
| Net loans and leases to total assets | 69.5497% | 1,121 |
| Net loans and leases to deposits | 91.9246% | 501 |
| Net loans and leases to core deposits | 97.2058% | 691 |
| Total domestic deposits to total assets | 75.6595% | 4,564 |
| Equity capital to assets | 11.6742% | 1,554 |
| Core capital (leverage) ratio | 11.5328% | 1,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7207% | 1,419 |
| Memoranda: | ||
| Average total assets | $5,752,146,500 | 243 |
| Average earning assets | $5,490,100,500 | 231 |
| Average equity | $651,926,000 | 231 |
| Average total loans | $4,134,900,000 | 218 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9737% | 4,090 |
| Cost of funding earning assets | 0.5144% | 1,123 |
| Net interest margin | 2.4593% | 4,354 |
| Noninterest income to average assets | 1.2318% | 767 |
| Noninterest expense to average assets | 2.0811% | 3,450 |
| Loan and lease loss provision to assets | 0.0733% | 1,608 |
| Net operating income to assets | 1.0307% | 2,786 |
| Return on assets (ROA) | 1.2528% | 2,080 |
| Pretax return on assets | 1.7048% | 1,467 |
| Return on Equity (ROE) | 11.1667% | 2,369 |
| Retained earnings to average equity (ytd only) | 11.1667% | 1,085 |
| Net charge-offs to loans | 0.0059% | 1,932 |
| Credit loss provision to net charge-offs | 1,707.3171% | 322 |
| Earnings coverage of net charge-offs (x) | 348.8943% | 335 |
| Efficiency ratio | 57.1275% | 3,387 |
| Assets per employee ($millions) | 9.2713% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 2,355 |
| Loan loss allowance to noncurrent loans | 212.3873% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 1,864 |
| Noncurrent loans to loans | 0.6201% | 1,856 |
| Net loans and leases to total assets | 70.1494% | 1,176 |
| Net loans and leases to deposits | 92.8205% | 501 |
| Net loans and leases to core deposits | 98.4775% | 703 |
| Total domestic deposits to total assets | 75.5753% | 4,586 |
| Equity capital to assets | 11.4578% | 1,659 |
| Core capital (leverage) ratio | 11.3617% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4965% | 1,472 |
| Memoranda: | ||
| Average total assets | $5,733,617,667 | 244 |
| Average earning assets | $5,470,110,000 | 231 |
| Average equity | $643,233,333 | 230 |
| Average total loans | $4,148,355,333 | 219 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0334% | 4,014 |
| Cost of funding earning assets | 0.5275% | 1,219 |
| Net interest margin | 2.5059% | 4,290 |
| Noninterest income to average assets | 1.4137% | 669 |
| Noninterest expense to average assets | 2.0706% | 3,511 |
| Loan and lease loss provision to assets | 0.0736% | 1,707 |
| Net operating income to assets | 1.2064% | 2,116 |
| Return on assets (ROA) | 1.4057% | 1,634 |
| Pretax return on assets | 1.9125% | 1,095 |
| Return on Equity (ROE) | 12.6672% | 1,762 |
| Retained earnings to average equity (ytd only) | 12.6672% | 983 |
| Net charge-offs to loans | 0.0207% | 1,323 |
| Credit loss provision to net charge-offs | 486.1111% | 602 |
| Earnings coverage of net charge-offs (x) | 114.5417% | 562 |
| Efficiency ratio | 53.4870% | 3,850 |
| Assets per employee ($millions) | 9.4577% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,523 |
| Loan loss allowance to noncurrent loans | 251.2201% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 2,336 |
| Noncurrent loans to loans | 0.5096% | 2,331 |
| Net loans and leases to total assets | 70.7478% | 1,185 |
| Net loans and leases to deposits | 93.4375% | 523 |
| Net loans and leases to core deposits | 99.2126% | 749 |
| Total domestic deposits to total assets | 75.7167% | 4,595 |
| Equity capital to assets | 11.2235% | 1,704 |
| Core capital (leverage) ratio | 11.3580% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7508% | 1,367 |
| Memoranda: | ||
| Average total assets | $5,707,783,000 | 245 |
| Average earning assets | $5,445,641,500 | 233 |
| Average equity | $633,416,000 | 230 |
| Average total loans | $4,166,279,500 | 219 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3722% | 4,234 |
| Cost of funding earning assets | 0.7469% | 1,469 |
| Net interest margin | 2.6253% | 4,466 |
| Noninterest income to average assets | 1.4189% | 587 |
| Noninterest expense to average assets | 2.1862% | 3,703 |
| Loan and lease loss provision to assets | 0.1997% | 1,959 |
| Net operating income to assets | 1.1175% | 1,849 |
| Return on assets (ROA) | 1.2135% | 1,619 |
| Pretax return on assets | 1.6438% | 970 |
| Return on Equity (ROE) | 11.2813% | 1,532 |
| Retained earnings to average equity (ytd only) | 11.2813% | 402 |
| Net charge-offs to loans | -0.0133% | 4,326 |
| Credit loss provision to net charge-offs | -1,965.5797% | 4,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9764% | 4,093 |
| Assets per employee ($millions) | 9.2106% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,717 |
| Loan loss allowance to noncurrent loans | 229.9753% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 2,378 |
| Noncurrent loans to loans | 0.5414% | 2,354 |
| Net loans and leases to total assets | 73.4282% | 1,098 |
| Net loans and leases to deposits | 99.0956% | 412 |
| Net loans and leases to core deposits | 105.6113% | 663 |
| Total domestic deposits to total assets | 74.0984% | 4,634 |
| Equity capital to assets | 10.9681% | 2,277 |
| Core capital (leverage) ratio | 11.0530% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4466% | 1,416 |
| Memoranda: | ||
| Average total assets | $5,433,096,600 | 234 |
| Average earning assets | $5,151,715,800 | 227 |
| Average equity | $584,408,000 | 234 |
| Average total loans | $4,158,300,000 | 217 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4854% | 4,230 |
| Cost of funding earning assets | 0.7905% | 1,549 |
| Net interest margin | 2.6949% | 4,470 |
| Noninterest income to average assets | 1.3192% | 626 |
| Noninterest expense to average assets | 2.0969% | 3,955 |
| Loan and lease loss provision to assets | 0.1189% | 2,836 |
| Net operating income to assets | 1.2183% | 1,582 |
| Return on assets (ROA) | 1.2204% | 1,695 |
| Pretax return on assets | 1.6604% | 1,046 |
| Return on Equity (ROE) | 11.4047% | 1,557 |
| Retained earnings to average equity (ytd only) | 11.4047% | 508 |
| Net charge-offs to loans | -0.0080% | 4,170 |
| Credit loss provision to net charge-offs | -1,935.4839% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1548% | 4,240 |
| Assets per employee ($millions) | 9.1014% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,352 |
| Loan loss allowance to noncurrent loans | 180.2777% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 2,311 |
| Noncurrent loans to loans | 0.5947% | 2,313 |
| Net loans and leases to total assets | 76.5558% | 1,026 |
| Net loans and leases to deposits | 105.0197% | 357 |
| Net loans and leases to core deposits | 112.1392% | 626 |
| Total domestic deposits to total assets | 72.8966% | 4,645 |
| Equity capital to assets | 10.8546% | 2,516 |
| Core capital (leverage) ratio | 10.9190% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9427% | 1,519 |
| Memoranda: | ||
| Average total assets | $5,382,146,250 | 234 |
| Average earning assets | $5,101,489,500 | 227 |
| Average equity | $575,944,750 | 235 |
| Average total loans | $4,150,060,500 | 215 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 4,235 |
| Cost of funding earning assets | 0.8446% | 1,618 |
| Net interest margin | 2.7704% | 4,486 |
| Noninterest income to average assets | 1.2085% | 686 |
| Noninterest expense to average assets | 2.1082% | 4,015 |
| Loan and lease loss provision to assets | 0.1406% | 2,603 |
| Net operating income to assets | 1.1723% | 1,718 |
| Return on assets (ROA) | 1.0813% | 2,149 |
| Pretax return on assets | 1.4712% | 1,525 |
| Return on Equity (ROE) | 10.1553% | 1,938 |
| Retained earnings to average equity (ytd only) | 10.1553% | 766 |
| Net charge-offs to loans | -0.0101% | 4,212 |
| Credit loss provision to net charge-offs | -1,802.8846% | 3,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9738% | 4,182 |
| Assets per employee ($millions) | 9.0419% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,310 |
| Loan loss allowance to noncurrent loans | 179.6651% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 2,475 |
| Noncurrent loans to loans | 0.5855% | 2,401 |
| Net loans and leases to total assets | 76.1755% | 1,108 |
| Net loans and leases to deposits | 103.8177% | 384 |
| Net loans and leases to core deposits | 111.1421% | 696 |
| Total domestic deposits to total assets | 73.3743% | 4,632 |
| Equity capital to assets | 10.4520% | 2,789 |
| Core capital (leverage) ratio | 10.6494% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6304% | 1,591 |
| Memoranda: | ||
| Average total assets | $5,334,677,667 | 233 |
| Average earning assets | $5,057,782,667 | 226 |
| Average equity | $568,036,667 | 240 |
| Average total loans | $4,108,348,333 | 213 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 4,079 |
| Cost of funding earning assets | 0.9969% | 1,432 |
| Net interest margin | 2.8826% | 4,456 |
| Noninterest income to average assets | 0.8819% | 1,103 |
| Noninterest expense to average assets | 2.1126% | 4,190 |
| Loan and lease loss provision to assets | 0.0802% | 2,711 |
| Net operating income to assets | 1.0994% | 1,846 |
| Return on assets (ROA) | 0.3914% | 4,188 |
| Pretax return on assets | 0.5324% | 4,068 |
| Return on Equity (ROE) | 3.6404% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.6404% | 2,828 |
| Net charge-offs to loans | -0.0158% | 4,239 |
| Credit loss provision to net charge-offs | -660.3774% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2621% | 4,084 |
| Assets per employee ($millions) | 8.9328% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,526 |
| Loan loss allowance to noncurrent loans | 212.3755% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 2,909 |
| Noncurrent loans to loans | 0.4866% | 2,805 |
| Net loans and leases to total assets | 75.5289% | 1,382 |
| Net loans and leases to deposits | 103.0863% | 405 |
| Net loans and leases to core deposits | 112.6124% | 728 |
| Total domestic deposits to total assets | 73.2676% | 4,705 |
| Equity capital to assets | 10.4547% | 3,364 |
| Core capital (leverage) ratio | 10.7420% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9580% | 1,921 |
| Memoranda: | ||
| Average total assets | $5,239,705,500 | 232 |
| Average earning assets | $4,979,610,000 | 225 |
| Average equity | $563,338,000 | 244 |
| Average total loans | $4,035,947,000 | 212 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 3,742 |
| Cost of funding earning assets | 1.2343% | 939 |
| Net interest margin | 2.9931% | 4,520 |
| Noninterest income to average assets | 0.8551% | 1,288 |
| Noninterest expense to average assets | 2.1057% | 4,355 |
| Loan and lease loss provision to assets | 0.1407% | 1,514 |
| Net operating income to assets | 1.0699% | 2,579 |
| Return on assets (ROA) | 1.2319% | 2,027 |
| Pretax return on assets | 1.6647% | 1,288 |
| Return on Equity (ROE) | 11.6862% | 1,626 |
| Retained earnings to average equity (ytd only) | 11.6862% | 265 |
| Net charge-offs to loans | 0.0111% | 3,296 |
| Credit loss provision to net charge-offs | 1,643.8356% | 224 |
| Earnings coverage of net charge-offs (x) | 187.0091% | 417 |
| Efficiency ratio | 55.7407% | 4,239 |
| Assets per employee ($millions) | 8.6356% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 3,400 |
| Loan loss allowance to noncurrent loans | 222.9730% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 2,924 |
| Noncurrent loans to loans | 0.4563% | 2,811 |
| Net loans and leases to total assets | 76.9669% | 1,261 |
| Net loans and leases to deposits | 100.6624% | 552 |
| Net loans and leases to core deposits | 110.5212% | 824 |
| Total domestic deposits to total assets | 76.4604% | 4,551 |
| Equity capital to assets | 11.0577% | 2,938 |
| Core capital (leverage) ratio | 10.6614% | 2,797 |
| Tier 1 risk-based capital ratio | 14.2229% | 3,157 |
| Total risk-based capital ratio | 15.2805% | 3,164 |
| Memoranda: | ||
| Average total assets | $5,118,417,400 | 221 |
| Average earning assets | $4,875,312,400 | 212 |
| Average equity | $539,569,400 | 237 |
| Average total loans | $3,947,801,200 | 211 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 3,776 |
| Cost of funding earning assets | 1.2714% | 858 |
| Net interest margin | 2.9901% | 4,634 |
| Noninterest income to average assets | 0.8297% | 1,331 |
| Noninterest expense to average assets | 2.0554% | 4,442 |
| Loan and lease loss provision to assets | 0.0822% | 2,265 |
| Net operating income to assets | 1.1285% | 2,459 |
| Return on assets (ROA) | 1.2749% | 2,015 |
| Pretax return on assets | 1.7232% | 1,270 |
| Return on Equity (ROE) | 12.2449% | 1,534 |
| Retained earnings to average equity (ytd only) | 12.2449% | 358 |
| Net charge-offs to loans | 0.0106% | 2,986 |
| Credit loss provision to net charge-offs | 1,003.1847% | 345 |
| Earnings coverage of net charge-offs (x) | 197.7116% | 438 |
| Efficiency ratio | 54.8319% | 4,299 |
| Assets per employee ($millions) | 9.0241% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,050 |
| Loan loss allowance to noncurrent loans | 247.5353% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 3,358 |
| Noncurrent loans to loans | 0.3633% | 3,251 |
| Net loans and leases to total assets | 77.4652% | 1,231 |
| Net loans and leases to deposits | 101.4244% | 534 |
| Net loans and leases to core deposits | 111.2048% | 886 |
| Total domestic deposits to total assets | 76.3772% | 4,602 |
| Equity capital to assets | 10.5578% | 3,497 |
| Core capital (leverage) ratio | 10.3096% | 3,303 |
| Tier 1 risk-based capital ratio | 13.5347% | 3,552 |
| Total risk-based capital ratio | 14.4698% | 3,638 |
| Memoranda: | ||
| Average total assets | $5,109,160,000 | 224 |
| Average earning assets | $4,862,786,500 | 214 |
| Average equity | $531,943,250 | 241 |
| Average total loans | $3,932,558,500 | 211 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 3,751 |
| Cost of funding earning assets | 1.2572% | 852 |
| Net interest margin | 3.0061% | 4,673 |
| Noninterest income to average assets | 0.7594% | 1,479 |
| Noninterest expense to average assets | 2.0759% | 4,456 |
| Loan and lease loss provision to assets | 0.0829% | 2,183 |
| Net operating income to assets | 1.0748% | 2,631 |
| Return on assets (ROA) | 1.2820% | 1,902 |
| Pretax return on assets | 1.7270% | 1,222 |
| Return on Equity (ROE) | 12.3729% | 1,451 |
| Retained earnings to average equity (ytd only) | 12.3729% | 363 |
| Net charge-offs to loans | 0.0131% | 2,664 |
| Credit loss provision to net charge-offs | 826.7717% | 415 |
| Earnings coverage of net charge-offs (x) | 154.2992% | 485 |
| Efficiency ratio | 56.1711% | 4,227 |
| Assets per employee ($millions) | 8.9099% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 4,105 |
| Loan loss allowance to noncurrent loans | 229.3644% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 3,247 |
| Noncurrent loans to loans | 0.3912% | 3,122 |
| Net loans and leases to total assets | 76.7971% | 1,420 |
| Net loans and leases to deposits | 102.3329% | 517 |
| Net loans and leases to core deposits | 112.9476% | 822 |
| Total domestic deposits to total assets | 75.0463% | 4,760 |
| Equity capital to assets | 10.4509% | 3,559 |
| Core capital (leverage) ratio | 10.2229% | 3,365 |
| Tier 1 risk-based capital ratio | 13.3210% | 3,685 |
| Total risk-based capital ratio | 14.2467% | 3,747 |
| Memoranda: | ||
| Average total assets | $5,064,555,330 | 225 |
| Average earning assets | $4,825,339,000 | 217 |
| Average equity | $524,743,000 | 243 |
| Average total loans | $3,877,299,000 | 218 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2627% | 3,669 |
| Cost of funding earning assets | 1.2205% | 849 |
| Net interest margin | 3.0422% | 4,695 |
| Noninterest income to average assets | 0.7049% | 1,594 |
| Noninterest expense to average assets | 2.1028% | 4,457 |
| Loan and lease loss provision to assets | 0.0837% | 2,028 |
| Net operating income to assets | 1.0367% | 2,716 |
| Return on assets (ROA) | 1.3470% | 1,573 |
| Pretax return on assets | 1.8093% | 964 |
| Return on Equity (ROE) | 13.0586% | 1,198 |
| Retained earnings to average equity (ytd only) | 13.0586% | 453 |
| Net charge-offs to loans | 0.0278% | 1,901 |
| Credit loss provision to net charge-offs | 396.2264% | 703 |
| Earnings coverage of net charge-offs (x) | 71.0113% | 836 |
| Efficiency ratio | 57.2254% | 4,181 |
| Assets per employee ($millions) | 8.7375% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9091% | 4,114 |
| Loan loss allowance to noncurrent loans | 270.3036% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 3,472 |
| Noncurrent loans to loans | 0.3363% | 3,371 |
| Net loans and leases to total assets | 75.5143% | 1,559 |
| Net loans and leases to deposits | 99.9104% | 643 |
| Net loans and leases to core deposits | 108.9432% | 988 |
| Total domestic deposits to total assets | 75.5820% | 4,806 |
| Equity capital to assets | 10.4767% | 3,365 |
| Core capital (leverage) ratio | 10.0495% | 3,549 |
| Tier 1 risk-based capital ratio | 13.5285% | 3,589 |
| Total risk-based capital ratio | 14.4701% | 3,663 |
| Memoranda: | ||
| Average total assets | $5,017,425,000 | 228 |
| Average earning assets | $4,779,829,500 | 219 |
| Average equity | $517,542,500 | 246 |
| Average total loans | $3,817,104,500 | 220 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,882 |
| Cost of funding earning assets | 1.0118% | 718 |
| Net interest margin | 3.0413% | 4,746 |
| Noninterest income to average assets | 0.7743% | 1,553 |
| Noninterest expense to average assets | 2.2453% | 4,232 |
| Loan and lease loss provision to assets | 0.1417% | 1,519 |
| Net operating income to assets | 0.9511% | 3,226 |
| Return on assets (ROA) | 0.9770% | 3,109 |
| Pretax return on assets | 1.3119% | 2,453 |
| Return on Equity (ROE) | 9.5907% | 2,696 |
| Retained earnings to average equity (ytd only) | 9.5907% | 713 |
| Net charge-offs to loans | 0.0427% | 2,559 |
| Credit loss provision to net charge-offs | 440.7979% | 772 |
| Earnings coverage of net charge-offs (x) | 44.2085% | 1,224 |
| Efficiency ratio | 60.1530% | 3,834 |
| Assets per employee ($millions) | 8.6393% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 4,196 |
| Loan loss allowance to noncurrent loans | 217.7966% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 3,197 |
| Noncurrent loans to loans | 0.4105% | 3,062 |
| Net loans and leases to total assets | 75.2675% | 1,729 |
| Net loans and leases to deposits | 101.5636% | 623 |
| Net loans and leases to core deposits | 108.3377% | 1,098 |
| Total domestic deposits to total assets | 74.1088% | 4,943 |
| Equity capital to assets | 10.1527% | 3,524 |
| Core capital (leverage) ratio | 9.7827% | 3,820 |
| Tier 1 risk-based capital ratio | 13.2831% | 3,671 |
| Total risk-based capital ratio | 14.2549% | 3,734 |
| Memoranda: | ||
| Average total assets | $4,835,374,000 | 229 |
| Average earning assets | $4,597,764,200 | 221 |
| Average equity | $492,593,000 | 249 |
| Average total loans | $3,640,968,400 | 222 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 3,937 |
| Cost of funding earning assets | 0.9629% | 708 |
| Net interest margin | 3.0357% | 4,801 |
| Noninterest income to average assets | 0.7715% | 1,573 |
| Noninterest expense to average assets | 2.2095% | 4,302 |
| Loan and lease loss provision to assets | 0.1057% | 1,896 |
| Net operating income to assets | 0.9900% | 3,127 |
| Return on assets (ROA) | 1.0125% | 3,041 |
| Pretax return on assets | 1.3701% | 2,342 |
| Return on Equity (ROE) | 9.9302% | 2,651 |
| Retained earnings to average equity (ytd only) | 9.9302% | 948 |
| Net charge-offs to loans | 0.0606% | 1,956 |
| Credit loss provision to net charge-offs | 232.1319% | 1,244 |
| Earnings coverage of net charge-offs (x) | 31.7734% | 1,557 |
| Efficiency ratio | 59.3465% | 3,914 |
| Assets per employee ($millions) | 8.1598% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 4,540 |
| Loan loss allowance to noncurrent loans | 233.9544% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 3,508 |
| Noncurrent loans to loans | 0.3525% | 3,392 |
| Net loans and leases to total assets | 75.1287% | 1,790 |
| Net loans and leases to deposits | 98.0791% | 942 |
| Net loans and leases to core deposits | 104.9567% | 1,385 |
| Total domestic deposits to total assets | 76.6001% | 4,707 |
| Equity capital to assets | 10.2654% | 3,381 |
| Core capital (leverage) ratio | 9.6155% | 4,037 |
| Tier 1 risk-based capital ratio | 13.0654% | 3,867 |
| Total risk-based capital ratio | 14.0387% | 3,927 |
| Memoranda: | ||
| Average total assets | $4,791,524,750 | 230 |
| Average earning assets | $4,554,150,000 | 221 |
| Average equity | $488,559,500 | 247 |
| Average total loans | $3,599,834,000 | 224 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,931 |
| Cost of funding earning assets | 0.9100% | 704 |
| Net interest margin | 3.0386% | 4,822 |
| Noninterest income to average assets | 0.7651% | 1,590 |
| Noninterest expense to average assets | 2.2167% | 4,332 |
| Loan and lease loss provision to assets | 0.1160% | 1,711 |
| Net operating income to assets | 0.9762% | 3,119 |
| Return on assets (ROA) | 1.0020% | 3,005 |
| Pretax return on assets | 1.3541% | 2,312 |
| Return on Equity (ROE) | 9.8505% | 2,633 |
| Retained earnings to average equity (ytd only) | 9.8505% | 964 |
| Net charge-offs to loans | 0.0109% | 2,757 |
| Credit loss provision to net charge-offs | 1,417.5258% | 299 |
| Earnings coverage of net charge-offs (x) | 175.6186% | 464 |
| Efficiency ratio | 59.5998% | 3,991 |
| Assets per employee ($millions) | 8.4899% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 4,457 |
| Loan loss allowance to noncurrent loans | 210.9800% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 3,429 |
| Noncurrent loans to loans | 0.4136% | 3,215 |
| Net loans and leases to total assets | 73.6969% | 1,996 |
| Net loans and leases to deposits | 97.9460% | 974 |
| Net loans and leases to core deposits | 107.0968% | 1,176 |
| Total domestic deposits to total assets | 75.2423% | 4,933 |
| Equity capital to assets | 10.2465% | 3,393 |
| Core capital (leverage) ratio | 9.8019% | 3,786 |
| Tier 1 risk-based capital ratio | 13.2510% | 3,761 |
| Total risk-based capital ratio | 14.2439% | 3,818 |
| Memoranda: | ||
| Average total assets | $4,740,423,000 | 229 |
| Average earning assets | $4,507,130,000 | 221 |
| Average equity | $482,210,000 | 244 |
| Average total loans | $3,551,153,000 | 224 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 3,849 |
| Cost of funding earning assets | 0.8615% | 720 |
| Net interest margin | 3.0673% | 4,768 |
| Noninterest income to average assets | 0.7540% | 1,606 |
| Noninterest expense to average assets | 2.1997% | 4,422 |
| Loan and lease loss provision to assets | 0.1447% | 1,291 |
| Net operating income to assets | 0.9798% | 2,942 |
| Return on assets (ROA) | 1.0145% | 2,820 |
| Pretax return on assets | 1.3710% | 2,098 |
| Return on Equity (ROE) | 10.0105% | 2,414 |
| Retained earnings to average equity (ytd only) | 10.0105% | 1,146 |
| Net charge-offs to loans | 0.0184% | 2,138 |
| Credit loss provision to net charge-offs | 1,042.9448% | 330 |
| Earnings coverage of net charge-offs (x) | 106.0798% | 588 |
| Efficiency ratio | 58.8826% | 4,238 |
| Assets per employee ($millions) | 8.1010% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,608 |
| Loan loss allowance to noncurrent loans | 256.4878% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 3,760 |
| Noncurrent loans to loans | 0.3347% | 3,570 |
| Net loans and leases to total assets | 73.9951% | 1,854 |
| Net loans and leases to deposits | 101.8238% | 589 |
| Net loans and leases to core deposits | 109.4266% | 1,035 |
| Total domestic deposits to total assets | 72.6697% | 5,238 |
| Equity capital to assets | 10.2030% | 3,388 |
| Core capital (leverage) ratio | 9.6631% | 3,887 |
| Tier 1 risk-based capital ratio | 13.1540% | 3,875 |
| Total risk-based capital ratio | 14.1263% | 3,912 |
| Memoranda: | ||
| Average total assets | $4,699,507,500 | 230 |
| Average earning assets | $4,469,846,500 | 221 |
| Average equity | $476,258,500 | 248 |
| Average total loans | $3,534,163,500 | 223 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 4,112 |
| Cost of funding earning assets | 0.8043% | 601 |
| Net interest margin | 2.9745% | 4,935 |
| Noninterest income to average assets | 0.8412% | 1,435 |
| Noninterest expense to average assets | 2.3864% | 4,118 |
| Loan and lease loss provision to assets | 0.1164% | 1,956 |
| Net operating income to assets | 0.6571% | 3,795 |
| Return on assets (ROA) | 0.7095% | 3,615 |
| Pretax return on assets | 1.2493% | 2,558 |
| Return on Equity (ROE) | 6.9741% | 3,293 |
| Retained earnings to average equity (ytd only) | -2.8848% | 5,338 |
| Net charge-offs to loans | 0.0323% | 3,144 |
| Credit loss provision to net charge-offs | 483.7209% | 645 |
| Earnings coverage of net charge-offs (x) | 53.3377% | 1,045 |
| Efficiency ratio | 64.0324% | 3,602 |
| Assets per employee ($millions) | 7.7936% | 682 |
| Cash dividends to net income (ytd only)* | 141.3651% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 4,793 |
| Loan loss allowance to noncurrent loans | 204.8784% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 3,528 |
| Noncurrent loans to loans | 0.3957% | 3,341 |
| Net loans and leases to total assets | 75.1612% | 1,730 |
| Net loans and leases to deposits | 103.3816% | 524 |
| Net loans and leases to core deposits | 111.3515% | 933 |
| Total domestic deposits to total assets | 72.7027% | 5,283 |
| Equity capital to assets | 10.0647% | 3,627 |
| Core capital (leverage) ratio | 9.5834% | 3,932 |
| Tier 1 risk-based capital ratio | 12.9377% | 3,939 |
| Total risk-based capital ratio | 13.8812% | 4,017 |
| Memoranda: | ||
| Average total assets | $4,466,484,200 | 229 |
| Average earning assets | $4,247,922,200 | 217 |
| Average equity | $454,409,400 | 241 |
| Average total loans | $3,326,979,800 | 222 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 4,265 |
| Cost of funding earning assets | 0.7811% | 644 |
| Net interest margin | 2.9389% | 5,036 |
| Noninterest income to average assets | 0.8460% | 1,433 |
| Noninterest expense to average assets | 2.3504% | 4,155 |
| Loan and lease loss provision to assets | 0.1299% | 1,670 |
| Net operating income to assets | 0.7184% | 3,879 |
| Return on assets (ROA) | 0.7651% | 3,725 |
| Pretax return on assets | 1.2339% | 2,772 |
| Return on Equity (ROE) | 7.4986% | 3,391 |
| Retained earnings to average equity (ytd only) | -5.7648% | 5,560 |
| Net charge-offs to loans | 0.0490% | 2,455 |
| Credit loss provision to net charge-offs | 357.7371% | 849 |
| Earnings coverage of net charge-offs (x) | 35.5548% | 1,410 |
| Efficiency ratio | 63.5615% | 3,637 |
| Assets per employee ($millions) | 7.5764% | 737 |
| Cash dividends to net income (ytd only)* | 176.8794% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 4,926 |
| Loan loss allowance to noncurrent loans | 199.4743% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 3,743 |
| Noncurrent loans to loans | 0.3941% | 3,544 |
| Net loans and leases to total assets | 74.6546% | 1,813 |
| Net loans and leases to deposits | 103.9021% | 505 |
| Net loans and leases to core deposits | 111.5804% | 948 |
| Total domestic deposits to total assets | 71.8509% | 5,388 |
| Equity capital to assets | 9.9463% | 3,968 |
| Core capital (leverage) ratio | 9.4544% | 4,221 |
| Tier 1 risk-based capital ratio | 12.7698% | 4,157 |
| Total risk-based capital ratio | 13.6784% | 4,269 |
| Memoranda: | ||
| Average total assets | $4,414,065,250 | 229 |
| Average earning assets | $4,198,478,500 | 220 |
| Average equity | $450,351,000 | 244 |
| Average total loans | $3,272,878,500 | 226 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6133% | 4,476 |
| Cost of funding earning assets | 0.7468% | 697 |
| Net interest margin | 2.8665% | 5,147 |
| Noninterest income to average assets | 0.8392% | 1,445 |
| Noninterest expense to average assets | 2.3000% | 4,351 |
| Loan and lease loss provision to assets | 0.1083% | 1,884 |
| Net operating income to assets | 0.7183% | 3,760 |
| Return on assets (ROA) | 0.7394% | 3,739 |
| Pretax return on assets | 1.1926% | 2,792 |
| Return on Equity (ROE) | 7.1823% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.1823% | 1,504 |
| Net charge-offs to loans | 0.0710% | 1,927 |
| Credit loss provision to net charge-offs | 206.8905% | 1,243 |
| Earnings coverage of net charge-offs (x) | 24.2208% | 1,653 |
| Efficiency ratio | 63.4817% | 3,765 |
| Assets per employee ($millions) | 7.5490% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 5,110 |
| Loan loss allowance to noncurrent loans | 190.7405% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 3,755 |
| Noncurrent loans to loans | 0.3881% | 3,635 |
| Net loans and leases to total assets | 74.1867% | 1,833 |
| Net loans and leases to deposits | 103.6565% | 516 |
| Net loans and leases to core deposits | 111.2381% | 940 |
| Total domestic deposits to total assets | 71.5698% | 5,478 |
| Equity capital to assets | 9.7689% | 4,153 |
| Core capital (leverage) ratio | 9.8212% | 3,751 |
| Tier 1 risk-based capital ratio | 12.4516% | 4,331 |
| Total risk-based capital ratio | 13.3015% | 4,480 |
| Memoranda: | ||
| Average total assets | $4,324,688,670 | 235 |
| Average earning assets | $4,116,958,670 | 225 |
| Average equity | $445,232,330 | 246 |
| Average total loans | $3,189,447,000 | 229 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 4,429 |
| Cost of funding earning assets | 0.7328% | 714 |
| Net interest margin | 2.8638% | 5,148 |
| Noninterest income to average assets | 0.8149% | 1,501 |
| Noninterest expense to average assets | 2.3482% | 4,266 |
| Loan and lease loss provision to assets | 0.0433% | 2,934 |
| Net operating income to assets | 0.7150% | 3,639 |
| Return on assets (ROA) | 0.7544% | 3,510 |
| Pretax return on assets | 1.2166% | 2,522 |
| Return on Equity (ROE) | 7.1231% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.1231% | 1,805 |
| Net charge-offs to loans | 0.0061% | 2,763 |
| Credit loss provision to net charge-offs | 978.2609% | 337 |
| Earnings coverage of net charge-offs (x) | 270.5870% | 217 |
| Efficiency ratio | 65.2124% | 3,631 |
| Assets per employee ($millions) | 7.5540% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8136% | 5,030 |
| Loan loss allowance to noncurrent loans | 179.3888% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 3,672 |
| Noncurrent loans to loans | 0.4535% | 3,473 |
| Net loans and leases to total assets | 72.7136% | 1,965 |
| Net loans and leases to deposits | 98.8033% | 703 |
| Net loans and leases to core deposits | 105.5408% | 1,135 |
| Total domestic deposits to total assets | 73.5943% | 5,445 |
| Equity capital to assets | 10.5978% | 3,069 |
| Core capital (leverage) ratio | 10.3514% | 3,056 |
| Tier 1 risk-based capital ratio | 14.0492% | 3,440 |
| Total risk-based capital ratio | 14.9598% | 3,558 |
| Memoranda: | ||
| Average total assets | $4,154,378,500 | 244 |
| Average earning assets | $3,962,884,500 | 233 |
| Average equity | $439,974,500 | 249 |
| Average total loans | $3,040,745,000 | 238 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5898% | 4,536 |
| Cost of funding earning assets | 0.7535% | 624 |
| Net interest margin | 2.8364% | 5,229 |
| Noninterest income to average assets | 0.9657% | 1,228 |
| Noninterest expense to average assets | 2.3341% | 4,473 |
| Loan and lease loss provision to assets | 0.0928% | 2,503 |
| Net operating income to assets | 0.7736% | 3,434 |
| Return on assets (ROA) | 0.7933% | 3,438 |
| Pretax return on assets | 1.2722% | 2,387 |
| Return on Equity (ROE) | 7.4898% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.4898% | 1,041 |
| Net charge-offs to loans | 0.0477% | 3,087 |
| Credit loss provision to net charge-offs | 268.6404% | 1,070 |
| Earnings coverage of net charge-offs (x) | 38.6389% | 1,204 |
| Efficiency ratio | 62.9026% | 4,122 |
| Assets per employee ($millions) | 7.3374% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 5,057 |
| Loan loss allowance to noncurrent loans | 162.8127% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 3,606 |
| Noncurrent loans to loans | 0.5023% | 3,349 |
| Net loans and leases to total assets | 72.4776% | 2,097 |
| Net loans and leases to deposits | 96.5523% | 944 |
| Net loans and leases to core deposits | 102.6847% | 1,395 |
| Total domestic deposits to total assets | 75.0657% | 5,348 |
| Equity capital to assets | 10.5833% | 3,061 |
| Core capital (leverage) ratio | 10.3900% | 3,004 |
| Tier 1 risk-based capital ratio | 14.6247% | 3,135 |
| Total risk-based capital ratio | 15.5556% | 3,212 |
| Memoranda: | ||
| Average total assets | $3,961,400,000 | 237 |
| Average earning assets | $3,774,744,000 | 227 |
| Average equity | $419,558,800 | 249 |
| Average total loans | $2,864,966,800 | 235 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 4,584 |
| Cost of funding earning assets | 0.7567% | 618 |
| Net interest margin | 2.8330% | 5,298 |
| Noninterest income to average assets | 0.9634% | 1,227 |
| Noninterest expense to average assets | 2.3192% | 4,489 |
| Loan and lease loss provision to assets | 0.0408% | 3,421 |
| Net operating income to assets | 0.8101% | 3,323 |
| Return on assets (ROA) | 0.8239% | 3,393 |
| Pretax return on assets | 1.3243% | 2,337 |
| Return on Equity (ROE) | 7.7780% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.7780% | 1,265 |
| Net charge-offs to loans | 0.0684% | 2,350 |
| Credit loss provision to net charge-offs | 82.7016% | 2,629 |
| Earnings coverage of net charge-offs (x) | 27.2426% | 1,572 |
| Efficiency ratio | 62.6535% | 4,117 |
| Assets per employee ($millions) | 7.3909% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 5,330 |
| Loan loss allowance to noncurrent loans | 147.8900% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 3,695 |
| Noncurrent loans to loans | 0.5030% | 3,494 |
| Net loans and leases to total assets | 72.0907% | 2,177 |
| Net loans and leases to deposits | 95.3720% | 1,113 |
| Net loans and leases to core deposits | 101.5258% | 1,516 |
| Total domestic deposits to total assets | 75.5889% | 5,280 |
| Equity capital to assets | 10.5032% | 3,564 |
| Core capital (leverage) ratio | 10.5644% | 2,915 |
| Tier 1 risk-based capital ratio | 14.5590% | 3,261 |
| Total risk-based capital ratio | 15.3932% | 3,410 |
| Memoranda: | ||
| Average total assets | $3,922,683,750 | 235 |
| Average earning assets | $3,737,594,000 | 228 |
| Average equity | $415,539,750 | 250 |
| Average total loans | $2,829,215,250 | 236 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 4,560 |
| Cost of funding earning assets | 0.7662% | 583 |
| Net interest margin | 2.8426% | 5,356 |
| Noninterest income to average assets | 0.8941% | 1,390 |
| Noninterest expense to average assets | 2.3306% | 4,526 |
| Loan and lease loss provision to assets | 0.0465% | 3,219 |
| Net operating income to assets | 0.7613% | 3,499 |
| Return on assets (ROA) | 0.7793% | 3,550 |
| Pretax return on assets | 1.2524% | 2,594 |
| Return on Equity (ROE) | 7.3343% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.3343% | 1,458 |
| Net charge-offs to loans | 0.1087% | 1,737 |
| Credit loss provision to net charge-offs | 59.4452% | 2,586 |
| Earnings coverage of net charge-offs (x) | 16.2431% | 1,938 |
| Efficiency ratio | 64.0791% | 4,001 |
| Assets per employee ($millions) | 7.0937% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 5,394 |
| Loan loss allowance to noncurrent loans | 137.0244% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 3,568 |
| Noncurrent loans to loans | 0.5496% | 3,418 |
| Net loans and leases to total assets | 72.4431% | 2,098 |
| Net loans and leases to deposits | 98.6036% | 825 |
| Net loans and leases to core deposits | 104.8067% | 1,261 |
| Total domestic deposits to total assets | 73.4690% | 5,570 |
| Equity capital to assets | 10.6037% | 3,526 |
| Core capital (leverage) ratio | 10.7079% | 2,734 |
| Tier 1 risk-based capital ratio | 14.2636% | 3,463 |
| Total risk-based capital ratio | 15.0637% | 3,634 |
| Memoranda: | ||
| Average total assets | $3,870,322,000 | 241 |
| Average earning assets | $3,685,969,000 | 231 |
| Average equity | $411,217,000 | 253 |
| Average total loans | $2,784,561,670 | 241 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6094% | 4,593 |
| Cost of funding earning assets | 0.7852% | 530 |
| Net interest margin | 2.8242% | 5,434 |
| Noninterest income to average assets | 0.8569% | 1,425 |
| Noninterest expense to average assets | 2.3276% | 4,582 |
| Loan and lease loss provision to assets | 0.0313% | 3,248 |
| Net operating income to assets | 0.7460% | 3,505 |
| Return on assets (ROA) | 0.7498% | 3,590 |
| Pretax return on assets | 1.1956% | 2,718 |
| Return on Equity (ROE) | 7.0500% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.0500% | 1,859 |
| Net charge-offs to loans | 0.1156% | 1,423 |
| Credit loss provision to net charge-offs | 37.9267% | 2,161 |
| Earnings coverage of net charge-offs (x) | 14.7927% | 1,683 |
| Efficiency ratio | 65.0200% | 3,970 |
| Assets per employee ($millions) | 7.1498% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 5,387 |
| Loan loss allowance to noncurrent loans | 127.5328% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 3,354 |
| Noncurrent loans to loans | 0.6203% | 3,313 |
| Net loans and leases to total assets | 71.4835% | 2,117 |
| Net loans and leases to deposits | 95.8056% | 960 |
| Net loans and leases to core deposits | 102.0238% | 1,336 |
| Total domestic deposits to total assets | 74.6131% | 5,557 |
| Equity capital to assets | 10.7478% | 3,205 |
| Core capital (leverage) ratio | 10.6715% | 2,769 |
| Tier 1 risk-based capital ratio | 14.6367% | 3,318 |
| Total risk-based capital ratio | 15.4652% | 3,489 |
| Memoranda: | ||
| Average total assets | $3,833,425,000 | 243 |
| Average earning assets | $3,653,531,000 | 233 |
| Average equity | $407,714,500 | 253 |
| Average total loans | $2,737,383,500 | 241 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5760% | 4,738 |
| Cost of funding earning assets | 0.8301% | 422 |
| Net interest margin | 2.7459% | 5,598 |
| Noninterest income to average assets | 0.8713% | 1,528 |
| Noninterest expense to average assets | 2.3670% | 4,598 |
| Loan and lease loss provision to assets | 0.0322% | 3,718 |
| Net operating income to assets | 0.6920% | 3,853 |
| Return on assets (ROA) | 0.7200% | 3,817 |
| Pretax return on assets | 1.1304% | 2,920 |
| Return on Equity (ROE) | 6.8390% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.8390% | 1,356 |
| Net charge-offs to loans | 0.0172% | 3,942 |
| Credit loss provision to net charge-offs | 271.4932% | 1,072 |
| Earnings coverage of net charge-offs (x) | 94.2557% | 611 |
| Efficiency ratio | 67.3033% | 3,697 |
| Assets per employee ($millions) | 7.2485% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 5,356 |
| Loan loss allowance to noncurrent loans | 118.4528% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 3,314 |
| Noncurrent loans to loans | 0.6923% | 3,119 |
| Net loans and leases to total assets | 70.1856% | 2,335 |
| Net loans and leases to deposits | 96.1391% | 991 |
| Net loans and leases to core deposits | 102.2762% | 1,344 |
| Total domestic deposits to total assets | 73.0042% | 5,724 |
| Equity capital to assets | 10.5243% | 3,333 |
| Core capital (leverage) ratio | 10.6681% | 2,747 |
| Tier 1 risk-based capital ratio | 14.5703% | 3,405 |
| Total risk-based capital ratio | 15.4224% | 3,537 |
| Memoranda: | ||
| Average total assets | $3,723,619,000 | 237 |
| Average earning assets | $3,545,394,600 | 228 |
| Average equity | $392,029,800 | 251 |
| Average total loans | $2,574,247,400 | 241 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5761% | 4,807 |
| Cost of funding earning assets | 0.8339% | 414 |
| Net interest margin | 2.7422% | 5,676 |
| Noninterest income to average assets | 0.8754% | 1,525 |
| Noninterest expense to average assets | 2.3300% | 4,703 |
| Loan and lease loss provision to assets | 0.0325% | 3,583 |
| Net operating income to assets | 0.7105% | 3,859 |
| Return on assets (ROA) | 0.7342% | 3,852 |
| Pretax return on assets | 1.1597% | 2,974 |
| Return on Equity (ROE) | 6.9726% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.9726% | 1,701 |
| Net charge-offs to loans | 0.0150% | 3,654 |
| Credit loss provision to net charge-offs | 314.6853% | 927 |
| Earnings coverage of net charge-offs (x) | 111.9172% | 570 |
| Efficiency ratio | 66.2486% | 3,852 |
| Assets per employee ($millions) | 7.1040% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 5,407 |
| Loan loss allowance to noncurrent loans | 126.0528% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 3,558 |
| Noncurrent loans to loans | 0.6661% | 3,331 |
| Net loans and leases to total assets | 69.8713% | 2,406 |
| Net loans and leases to deposits | 95.3742% | 1,064 |
| Net loans and leases to core deposits | 101.8380% | 1,391 |
| Total domestic deposits to total assets | 73.2601% | 5,763 |
| Equity capital to assets | 10.6267% | 3,439 |
| Core capital (leverage) ratio | 10.5666% | 2,963 |
| Tier 1 risk-based capital ratio | 14.7386% | 3,420 |
| Total risk-based capital ratio | 15.5979% | 3,573 |
| Memoranda: | ||
| Average total assets | $3,694,092,500 | 243 |
| Average earning assets | $3,515,876,500 | 234 |
| Average equity | $388,959,000 | 256 |
| Average total loans | $2,538,151,750 | 245 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 4,920 |
| Cost of funding earning assets | 0.8332% | 422 |
| Net interest margin | 2.6946% | 5,770 |
| Noninterest income to average assets | 0.8826% | 1,496 |
| Noninterest expense to average assets | 2.3334% | 4,766 |
| Loan and lease loss provision to assets | 0.0326% | 3,468 |
| Net operating income to assets | 0.6863% | 3,955 |
| Return on assets (ROA) | 0.7199% | 3,908 |
| Pretax return on assets | 1.1335% | 3,037 |
| Return on Equity (ROE) | 6.8586% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.8586% | 1,764 |
| Net charge-offs to loans | 0.0242% | 3,187 |
| Credit loss provision to net charge-offs | 198.0198% | 1,249 |
| Earnings coverage of net charge-offs (x) | 67.5842% | 784 |
| Efficiency ratio | 67.0784% | 3,823 |
| Assets per employee ($millions) | 7.1366% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 5,467 |
| Loan loss allowance to noncurrent loans | 106.1968% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 3,476 |
| Noncurrent loans to loans | 0.8011% | 3,113 |
| Net loans and leases to total assets | 68.3052% | 2,601 |
| Net loans and leases to deposits | 91.6377% | 1,406 |
| Net loans and leases to core deposits | 98.4550% | 1,616 |
| Total domestic deposits to total assets | 74.5383% | 5,744 |
| Equity capital to assets | 10.5239% | 3,415 |
| Core capital (leverage) ratio | 10.5216% | 2,927 |
| Tier 1 risk-based capital ratio | 14.7108% | 3,522 |
| Total risk-based capital ratio | 15.6293% | 3,630 |
| Memoranda: | ||
| Average total assets | $3,677,520,000 | 245 |
| Average earning assets | $3,500,072,000 | 236 |
| Average equity | $385,997,000 | 259 |
| Average total loans | $2,504,870,000 | 246 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4904% | 5,000 |
| Cost of funding earning assets | 0.8286% | 427 |
| Net interest margin | 2.6618% | 5,846 |
| Noninterest income to average assets | 0.8900% | 1,421 |
| Noninterest expense to average assets | 2.3399% | 4,769 |
| Loan and lease loss provision to assets | 0.0328% | 3,232 |
| Net operating income to assets | 0.6663% | 3,970 |
| Return on assets (ROA) | 0.7192% | 3,834 |
| Pretax return on assets | 1.1325% | 2,936 |
| Return on Equity (ROE) | 6.8611% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.8611% | 2,073 |
| Net charge-offs to loans | 0.0162% | 2,846 |
| Credit loss provision to net charge-offs | 300.0000% | 799 |
| Earnings coverage of net charge-offs (x) | 98.9000% | 502 |
| Efficiency ratio | 67.7414% | 3,869 |
| Assets per employee ($millions) | 7.0002% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 5,504 |
| Loan loss allowance to noncurrent loans | 96.6087% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 3,368 |
| Noncurrent loans to loans | 0.9089% | 2,967 |
| Net loans and leases to total assets | 66.6399% | 2,664 |
| Net loans and leases to deposits | 88.7086% | 1,539 |
| Net loans and leases to core deposits | 95.1915% | 1,681 |
| Total domestic deposits to total assets | 75.1222% | 5,818 |
| Equity capital to assets | 10.5098% | 3,520 |
| Core capital (leverage) ratio | 10.5110% | 2,944 |
| Tier 1 risk-based capital ratio | 14.9528% | 3,458 |
| Total risk-based capital ratio | 15.9079% | 3,550 |
| Memoranda: | ||
| Average total assets | $3,653,630,000 | 243 |
| Average earning assets | $3,476,380,000 | 235 |
| Average equity | $382,973,000 | 260 |
| Average total loans | $2,474,102,500 | 246 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6960% | 4,787 |
| Cost of funding earning assets | 0.8852% | 422 |
| Net interest margin | 2.8108% | 5,788 |
| Noninterest income to average assets | 0.8043% | 1,857 |
| Noninterest expense to average assets | 2.3260% | 5,042 |
| Loan and lease loss provision to assets | 0.0171% | 4,267 |
| Net operating income to assets | 0.7150% | 3,815 |
| Return on assets (ROA) | 0.7428% | 3,764 |
| Pretax return on assets | 1.1634% | 2,810 |
| Return on Equity (ROE) | 7.0951% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.0951% | 1,358 |
| Net charge-offs to loans | 0.0901% | 3,206 |
| Credit loss provision to net charge-offs | 28.3152% | 3,866 |
| Earnings coverage of net charge-offs (x) | 18.7966% | 1,821 |
| Efficiency ratio | 66.4139% | 4,175 |
| Assets per employee ($millions) | 6.9580% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 5,561 |
| Loan loss allowance to noncurrent loans | 108.8887% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 3,596 |
| Noncurrent loans to loans | 0.7999% | 3,307 |
| Net loans and leases to total assets | 67.6159% | 2,623 |
| Net loans and leases to deposits | 90.9712% | 1,405 |
| Net loans and leases to core deposits | 97.6616% | 1,576 |
| Total domestic deposits to total assets | 74.3267% | 5,919 |
| Equity capital to assets | 10.4538% | 3,541 |
| Core capital (leverage) ratio | 10.2723% | 3,209 |
| Tier 1 risk-based capital ratio | 14.6911% | 3,664 |
| Total risk-based capital ratio | 15.6566% | 3,766 |
| Memoranda: | ||
| Average total assets | $3,502,887,800 | 238 |
| Average earning assets | $3,313,359,600 | 228 |
| Average equity | $366,717,200 | 255 |
| Average total loans | $2,351,104,400 | 242 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,901 |
| Cost of funding earning assets | 0.8918% | 430 |
| Net interest margin | 2.7942% | 5,878 |
| Noninterest income to average assets | 0.8117% | 1,843 |
| Noninterest expense to average assets | 2.3331% | 5,017 |
| Loan and lease loss provision to assets | 0.0230% | 3,946 |
| Net operating income to assets | 0.7059% | 3,912 |
| Return on assets (ROA) | 0.7403% | 3,834 |
| Pretax return on assets | 1.1481% | 2,995 |
| Return on Equity (ROE) | 7.0684% | 3,679 |
| Retained earnings to average equity (ytd only) | 7.0684% | 1,784 |
| Net charge-offs to loans | 0.1186% | 2,620 |
| Credit loss provision to net charge-offs | 29.0557% | 3,463 |
| Earnings coverage of net charge-offs (x) | 14.0935% | 2,165 |
| Efficiency ratio | 66.8158% | 4,082 |
| Assets per employee ($millions) | 6.8792% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 5,575 |
| Loan loss allowance to noncurrent loans | 90.9819% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 3,490 |
| Noncurrent loans to loans | 0.9996% | 3,071 |
| Net loans and leases to total assets | 65.7587% | 2,909 |
| Net loans and leases to deposits | 87.3012% | 1,753 |
| Net loans and leases to core deposits | 93.8403% | 1,887 |
| Total domestic deposits to total assets | 75.3239% | 5,893 |
| Equity capital to assets | 10.4771% | 3,594 |
| Core capital (leverage) ratio | 10.1709% | 3,443 |
| Tier 1 risk-based capital ratio | 14.9975% | 3,592 |
| Total risk-based capital ratio | 15.9956% | 3,680 |
| Memoranda: | ||
| Average total assets | $3,472,325,000 | 235 |
| Average earning assets | $3,279,414,000 | 227 |
| Average equity | $363,655,750 | 252 |
| Average total loans | $2,320,703,750 | 243 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,808 |
| Cost of funding earning assets | 0.8901% | 451 |
| Net interest margin | 2.8259% | 5,854 |
| Noninterest income to average assets | 0.7687% | 1,967 |
| Noninterest expense to average assets | 2.3480% | 5,029 |
| Loan and lease loss provision to assets | 0.0349% | 3,591 |
| Net operating income to assets | 0.6660% | 4,014 |
| Return on assets (ROA) | 0.7091% | 3,884 |
| Pretax return on assets | 1.1200% | 3,007 |
| Return on Equity (ROE) | 6.7721% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.7721% | 1,890 |
| Net charge-offs to loans | 0.1448% | 2,224 |
| Credit loss provision to net charge-offs | 35.9928% | 2,974 |
| Earnings coverage of net charge-offs (x) | 11.2124% | 2,182 |
| Efficiency ratio | 67.4593% | 4,121 |
| Assets per employee ($millions) | 6.7896% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 5,632 |
| Loan loss allowance to noncurrent loans | 84.1324% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.8608% | 3,388 |
| Noncurrent loans to loans | 1.1058% | 3,014 |
| Net loans and leases to total assets | 66.5719% | 2,660 |
| Net loans and leases to deposits | 88.5507% | 1,529 |
| Net loans and leases to core deposits | 95.0680% | 1,680 |
| Total domestic deposits to total assets | 75.1795% | 6,007 |
| Equity capital to assets | 10.4799% | 3,460 |
| Core capital (leverage) ratio | 10.2971% | 3,219 |
| Tier 1 risk-based capital ratio | 14.8331% | 3,733 |
| Total risk-based capital ratio | 15.8773% | 3,803 |
| Memoranda: | ||
| Average total assets | $3,437,375,000 | 237 |
| Average earning assets | $3,243,883,000 | 227 |
| Average equity | $359,946,000 | 252 |
| Average total loans | $2,302,973,330 | 240 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7144% | 4,796 |
| Cost of funding earning assets | 0.8967% | 463 |
| Net interest margin | 2.8177% | 5,901 |
| Noninterest income to average assets | 0.7589% | 1,917 |
| Noninterest expense to average assets | 2.3748% | 4,996 |
| Loan and lease loss provision to assets | 0.0353% | 3,352 |
| Net operating income to assets | 0.6415% | 3,989 |
| Return on assets (ROA) | 0.6668% | 3,945 |
| Pretax return on assets | 1.0457% | 3,150 |
| Return on Equity (ROE) | 6.3707% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.3707% | 2,346 |
| Net charge-offs to loans | 0.0238% | 3,094 |
| Credit loss provision to net charge-offs | 222.2222% | 970 |
| Earnings coverage of net charge-offs (x) | 65.5259% | 619 |
| Efficiency ratio | 68.6149% | 4,075 |
| Assets per employee ($millions) | 6.9626% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 5,447 |
| Loan loss allowance to noncurrent loans | 68.0440% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.1157% | 3,026 |
| Noncurrent loans to loans | 1.4975% | 2,543 |
| Net loans and leases to total assets | 66.1129% | 2,548 |
| Net loans and leases to deposits | 88.4551% | 1,311 |
| Net loans and leases to core deposits | 95.0640% | 1,464 |
| Total domestic deposits to total assets | 74.7417% | 6,182 |
| Equity capital to assets | 10.5581% | 3,195 |
| Core capital (leverage) ratio | 10.2293% | 3,250 |
| Tier 1 risk-based capital ratio | 14.8777% | 3,773 |
| Total risk-based capital ratio | 15.9922% | 3,810 |
| Memoranda: | ||
| Average total assets | $3,397,548,500 | 236 |
| Average earning assets | $3,204,204,500 | 228 |
| Average equity | $355,629,000 | 253 |
| Average total loans | $2,272,789,000 | 240 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 4,403 |
| Cost of funding earning assets | 1.0211% | 403 |
| Net interest margin | 2.8944% | 5,797 |
| Noninterest income to average assets | 1.0880% | 1,192 |
| Noninterest expense to average assets | 2.5739% | 4,545 |
| Loan and lease loss provision to assets | 0.0767% | 3,575 |
| Net operating income to assets | 0.7297% | 3,659 |
| Return on assets (ROA) | 0.7794% | 3,501 |
| Pretax return on assets | 1.2306% | 2,455 |
| Return on Equity (ROE) | 7.7646% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.7646% | 1,130 |
| Net charge-offs to loans | 0.0530% | 4,480 |
| Credit loss provision to net charge-offs | 211.3955% | 1,089 |
| Earnings coverage of net charge-offs (x) | 33.9100% | 1,074 |
| Efficiency ratio | 66.8490% | 4,397 |
| Assets per employee ($millions) | 6.5825% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 5,475 |
| Loan loss allowance to noncurrent loans | 75.3727% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 3,324 |
| Noncurrent loans to loans | 1.3494% | 2,882 |
| Net loans and leases to total assets | 66.3159% | 2,645 |
| Net loans and leases to deposits | 88.4866% | 1,413 |
| Net loans and leases to core deposits | 95.1030% | 1,522 |
| Total domestic deposits to total assets | 74.9445% | 6,205 |
| Equity capital to assets | 10.3756% | 3,319 |
| Core capital (leverage) ratio | 10.1159% | 3,407 |
| Tier 1 risk-based capital ratio | 14.7889% | 3,790 |
| Total risk-based capital ratio | 15.9026% | 3,809 |
| Memoranda: | ||
| Average total assets | $3,339,736,600 | 230 |
| Average earning assets | $3,133,352,200 | 219 |
| Average equity | $335,250,400 | 250 |
| Average total loans | $2,282,988,400 | 225 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 4,396 |
| Cost of funding earning assets | 1.1026% | 305 |
| Net interest margin | 2.8252% | 5,973 |
| Noninterest income to average assets | 1.3077% | 871 |
| Noninterest expense to average assets | 2.6742% | 4,116 |
| Loan and lease loss provision to assets | 0.0666% | 3,722 |
| Net operating income to assets | 0.7799% | 3,461 |
| Return on assets (ROA) | 0.8269% | 3,336 |
| Pretax return on assets | 1.2990% | 2,334 |
| Return on Equity (ROE) | 8.3291% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.3291% | 1,279 |
| Net charge-offs to loans | 0.0649% | 3,986 |
| Credit loss provision to net charge-offs | 146.7710% | 1,604 |
| Earnings coverage of net charge-offs (x) | 28.4629% | 1,283 |
| Efficiency ratio | 66.7200% | 4,354 |
| Assets per employee ($millions) | 6.2688% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 5,498 |
| Loan loss allowance to noncurrent loans | 71.7329% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.1594% | 3,335 |
| Noncurrent loans to loans | 1.4730% | 2,957 |
| Net loans and leases to total assets | 67.1425% | 2,437 |
| Net loans and leases to deposits | 90.2030% | 1,141 |
| Net loans and leases to core deposits | 97.4331% | 1,277 |
| Total domestic deposits to total assets | 74.4349% | 6,338 |
| Equity capital to assets | 10.0400% | 3,845 |
| Core capital (leverage) ratio | 10.0283% | 3,643 |
| Tier 1 risk-based capital ratio | 14.1006% | 4,357 |
| Total risk-based capital ratio | 15.2200% | 4,402 |
| Memoranda: | ||
| Average total assets | $3,001,732,250 | 250 |
| Average earning assets | $2,824,651,500 | 239 |
| Average equity | $298,017,500 | 279 |
| Average total loans | $2,097,988,000 | 243 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 4,324 |
| Cost of funding earning assets | 1.1232% | 304 |
| Net interest margin | 2.8159% | 5,972 |
| Noninterest income to average assets | 1.4312% | 770 |
| Noninterest expense to average assets | 2.7550% | 3,839 |
| Loan and lease loss provision to assets | 0.1005% | 3,113 |
| Net operating income to assets | 0.7802% | 3,403 |
| Return on assets (ROA) | 0.8419% | 3,244 |
| Pretax return on assets | 1.3188% | 2,238 |
| Return on Equity (ROE) | 8.5126% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.5126% | 1,284 |
| Net charge-offs to loans | 0.0753% | 3,639 |
| Credit loss provision to net charge-offs | 189.1551% | 1,262 |
| Earnings coverage of net charge-offs (x) | 24.8966% | 1,284 |
| Efficiency ratio | 66.8699% | 4,381 |
| Assets per employee ($millions) | 6.1088% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0597% | 5,581 |
| Loan loss allowance to noncurrent loans | 75.5740% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 3,496 |
| Noncurrent loans to loans | 1.4022% | 3,190 |
| Net loans and leases to total assets | 68.5748% | 2,132 |
| Net loans and leases to deposits | 93.5792% | 838 |
| Net loans and leases to core deposits | 101.0501% | 1,000 |
| Total domestic deposits to total assets | 73.2799% | 6,487 |
| Equity capital to assets | 9.9775% | 3,943 |
| Core capital (leverage) ratio | 10.0416% | 3,452 |
| Tier 1 risk-based capital ratio | 13.8411% | 4,533 |
| Total risk-based capital ratio | 14.9412% | 4,609 |
| Memoranda: | ||
| Average total assets | $2,984,667,000 | 249 |
| Average earning assets | $2,805,435,000 | 240 |
| Average equity | $295,185,330 | 280 |
| Average total loans | $2,106,750,000 | 242 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 4,237 |
| Cost of funding earning assets | 1.1246% | 326 |
| Net interest margin | 2.8459% | 5,928 |
| Noninterest income to average assets | 1.5801% | 618 |
| Noninterest expense to average assets | 2.8666% | 3,476 |
| Loan and lease loss provision to assets | 0.1414% | 2,472 |
| Net operating income to assets | 0.7919% | 3,211 |
| Return on assets (ROA) | 0.8095% | 3,239 |
| Pretax return on assets | 1.2748% | 2,312 |
| Return on Equity (ROE) | 8.2219% | 2,867 |
| Retained earnings to average equity (ytd only) | 8.2219% | 1,678 |
| Net charge-offs to loans | 0.0701% | 3,138 |
| Credit loss provision to net charge-offs | 283.0189% | 838 |
| Earnings coverage of net charge-offs (x) | 27.8032% | 1,007 |
| Efficiency ratio | 66.7046% | 4,535 |
| Assets per employee ($millions) | 6.0731% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 5,713 |
| Loan loss allowance to noncurrent loans | 69.0150% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 3,451 |
| Noncurrent loans to loans | 1.5508% | 3,221 |
| Net loans and leases to total assets | 69.3234% | 1,777 |
| Net loans and leases to deposits | 93.5243% | 697 |
| Net loans and leases to core deposits | 100.8203% | 906 |
| Total domestic deposits to total assets | 74.1235% | 6,529 |
| Equity capital to assets | 10.1435% | 3,965 |
| Core capital (leverage) ratio | 9.8882% | 3,545 |
| Tier 1 risk-based capital ratio | 13.7160% | 4,710 |
| Total risk-based capital ratio | 14.8583% | 4,754 |
| Memoranda: | ||
| Average total assets | $2,971,171,000 | 253 |
| Average earning assets | $2,792,896,000 | 243 |
| Average equity | $292,534,500 | 284 |
| Average total loans | $2,116,446,500 | 241 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3063% | 4,165 |
| Cost of funding earning assets | 1.1574% | 713 |
| Net interest margin | 3.1490% | 5,697 |
| Noninterest income to average assets | 1.4851% | 718 |
| Noninterest expense to average assets | 2.7508% | 4,210 |
| Loan and lease loss provision to assets | 0.1583% | 3,636 |
| Net operating income to assets | 0.9789% | 2,430 |
| Return on assets (ROA) | 0.9903% | 2,604 |
| Pretax return on assets | 1.5485% | 1,521 |
| Return on Equity (ROE) | 10.6140% | 1,935 |
| Retained earnings to average equity (ytd only) | -0.5996% | 5,954 |
| Net charge-offs to loans | 0.1418% | 4,274 |
| Credit loss provision to net charge-offs | 157.5595% | 1,705 |
| Earnings coverage of net charge-offs (x) | 16.8119% | 1,551 |
| Efficiency ratio | 61.3551% | 5,337 |
| Assets per employee ($millions) | 6.1664% | 1,183 |
| Cash dividends to net income (ytd only)* | 105.6491% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 6,004 |
| Loan loss allowance to noncurrent loans | 69.1066% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.2382% | 3,585 |
| Noncurrent loans to loans | 1.4286% | 3,454 |
| Net loans and leases to total assets | 71.6577% | 1,540 |
| Net loans and leases to deposits | 103.1634% | 291 |
| Net loans and leases to core deposits | 111.3732% | 492 |
| Total domestic deposits to total assets | 69.4604% | 6,806 |
| Equity capital to assets | 9.5532% | 4,813 |
| Core capital (leverage) ratio | 9.2291% | 4,528 |
| Tier 1 risk-based capital ratio | 12.8444% | 5,220 |
| Total risk-based capital ratio | 13.8881% | 5,319 |
| Memoranda: | ||
| Average total assets | $2,969,185,000 | 246 |
| Average earning assets | $2,786,033,000 | 240 |
| Average equity | $277,021,800 | 290 |
| Average total loans | $2,103,755,800 | 232 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 4,220 |
| Cost of funding earning assets | 1.1713% | 794 |
| Net interest margin | 3.1856% | 5,731 |
| Noninterest income to average assets | 1.3467% | 818 |
| Noninterest expense to average assets | 2.6175% | 4,684 |
| Loan and lease loss provision to assets | 0.1418% | 3,761 |
| Net operating income to assets | 1.0011% | 2,491 |
| Return on assets (ROA) | 1.0032% | 2,717 |
| Pretax return on assets | 1.5790% | 1,643 |
| Return on Equity (ROE) | 10.8182% | 2,020 |
| Retained earnings to average equity (ytd only) | -4.2590% | 6,575 |
| Net charge-offs to loans | 0.1543% | 3,882 |
| Credit loss provision to net charge-offs | 130.4348% | 2,210 |
| Earnings coverage of net charge-offs (x) | 15.8000% | 1,726 |
| Efficiency ratio | 59.9994% | 5,499 |
| Assets per employee ($millions) | 6.3092% | 1,059 |
| Cash dividends to net income (ytd only)* | 139.3692% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 6,269 |
| Loan loss allowance to noncurrent loans | 66.2086% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2663% | 3,764 |
| Noncurrent loans to loans | 1.4209% | 3,670 |
| Net loans and leases to total assets | 70.8872% | 1,747 |
| Net loans and leases to deposits | 107.1207% | 214 |
| Net loans and leases to core deposits | 114.9485% | 406 |
| Total domestic deposits to total assets | 66.1750% | 6,976 |
| Equity capital to assets | 9.1988% | 5,595 |
| Core capital (leverage) ratio | 8.8784% | 5,228 |
| Tier 1 risk-based capital ratio | 12.5021% | 5,637 |
| Total risk-based capital ratio | 13.5208% | 5,763 |
| Memoranda: | ||
| Average total assets | $2,962,259,500 | 246 |
| Average earning assets | $2,778,701,500 | 240 |
| Average equity | $274,702,750 | 295 |
| Average total loans | $2,087,467,000 | 234 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4014% | 4,182 |
| Cost of funding earning assets | 1.2019% | 812 |
| Net interest margin | 3.1995% | 5,742 |
| Noninterest income to average assets | 1.2696% | 887 |
| Noninterest expense to average assets | 2.5584% | 4,927 |
| Loan and lease loss provision to assets | 0.1429% | 3,729 |
| Net operating income to assets | 0.9987% | 2,470 |
| Return on assets (ROA) | 0.9951% | 2,714 |
| Pretax return on assets | 1.5644% | 1,657 |
| Return on Equity (ROE) | 10.7006% | 2,093 |
| Retained earnings to average equity (ytd only) | -12.0387% | 6,888 |
| Net charge-offs to loans | 0.1882% | 3,453 |
| Credit loss provision to net charge-offs | 108.3591% | 2,513 |
| Earnings coverage of net charge-offs (x) | 12.9850% | 1,836 |
| Efficiency ratio | 59.5133% | 5,655 |
| Assets per employee ($millions) | 6.4754% | 970 |
| Cash dividends to net income (ytd only)* | 212.5051% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 6,362 |
| Loan loss allowance to noncurrent loans | 63.0061% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 3,885 |
| Noncurrent loans to loans | 1.4874% | 3,679 |
| Net loans and leases to total assets | 69.5614% | 1,997 |
| Net loans and leases to deposits | 105.0551% | 256 |
| Net loans and leases to core deposits | 112.8772% | 483 |
| Total domestic deposits to total assets | 66.2141% | 7,041 |
| Equity capital to assets | 8.9651% | 5,734 |
| Core capital (leverage) ratio | 8.8466% | 5,135 |
| Tier 1 risk-based capital ratio | 12.1800% | 5,811 |
| Total risk-based capital ratio | 13.1471% | 5,966 |
| Memoranda: | ||
| Average total assets | $2,938,111,000 | 248 |
| Average earning assets | $2,756,519,670 | 243 |
| Average equity | $273,218,670 | 295 |
| Average total loans | $2,059,407,000 | 239 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 4,053 |
| Cost of funding earning assets | 1.2540% | 764 |
| Net interest margin | 3.2105% | 5,756 |
| Noninterest income to average assets | 1.3485% | 786 |
| Noninterest expense to average assets | 2.6191% | 4,747 |
| Loan and lease loss provision to assets | 0.1449% | 3,553 |
| Net operating income to assets | 1.0175% | 2,410 |
| Return on assets (ROA) | 1.0217% | 2,585 |
| Pretax return on assets | 1.6036% | 1,562 |
| Return on Equity (ROE) | 10.7851% | 2,112 |
| Retained earnings to average equity (ytd only) | -34.4705% | 7,163 |
| Net charge-offs to loans | 0.2456% | 2,701 |
| Credit loss provision to net charge-offs | 84.2697% | 2,660 |
| Earnings coverage of net charge-offs (x) | 10.1308% | 1,782 |
| Efficiency ratio | 59.7006% | 5,664 |
| Assets per employee ($millions) | 6.2934% | 1,096 |
| Cash dividends to net income (ytd only)* | 419.6137% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 6,368 |
| Loan loss allowance to noncurrent loans | 62.4840% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3184% | 3,917 |
| Noncurrent loans to loans | 1.5473% | 3,792 |
| Net loans and leases to total assets | 68.4030% | 2,041 |
| Net loans and leases to deposits | 98.7545% | 419 |
| Net loans and leases to core deposits | 105.5564% | 690 |
| Total domestic deposits to total assets | 69.2657% | 7,011 |
| Equity capital to assets | 9.0322% | 5,441 |
| Core capital (leverage) ratio | 8.7399% | 5,229 |
| Tier 1 risk-based capital ratio | 12.2090% | 5,816 |
| Total risk-based capital ratio | 13.2115% | 5,982 |
| Memoranda: | ||
| Average total assets | $2,898,392,000 | 252 |
| Average earning assets | $2,719,866,000 | 243 |
| Average equity | $274,565,000 | 290 |
| Average total loans | $2,029,658,000 | 238 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 4,140 |
| Cost of funding earning assets | 1.7275% | 291 |
| Net interest margin | 2.9992% | 6,533 |
| Noninterest income to average assets | 0.9157% | 1,621 |
| Noninterest expense to average assets | 2.5484% | 5,302 |
| Loan and lease loss provision to assets | 0.1268% | 5,029 |
| Net operating income to assets | 0.6744% | 3,607 |
| Return on assets (ROA) | 0.7624% | 3,370 |
| Pretax return on assets | 1.1950% | 2,480 |
| Return on Equity (ROE) | 7.8494% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.6681% | 1,204 |
| Net charge-offs to loans | 0.2015% | 4,534 |
| Credit loss provision to net charge-offs | 91.0470% | 3,966 |
| Earnings coverage of net charge-offs (x) | 8.5043% | 2,133 |
| Efficiency ratio | 67.9760% | 4,365 |
| Assets per employee ($millions) | 5.7533% | 1,407 |
| Cash dividends to net income (ytd only)* | 2.3099% | 4,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 6,350 |
| Loan loss allowance to noncurrent loans | 60.2109% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3270% | 4,010 |
| Noncurrent loans to loans | 1.6016% | 3,762 |
| Net loans and leases to total assets | 70.3131% | 1,967 |
| Net loans and leases to deposits | 100.1748% | 449 |
| Net loans and leases to core deposits | 107.6787% | 719 |
| Total domestic deposits to total assets | 70.1904% | 6,980 |
| Equity capital to assets | 9.9205% | 4,272 |
| Core capital (leverage) ratio | 9.6633% | 3,791 |
| Tier 1 risk-based capital ratio | 13.5778% | 4,637 |
| Total risk-based capital ratio | 14.5392% | 4,828 |
| Memoranda: | ||
| Average total assets | $2,839,171,800 | 252 |
| Average earning assets | $2,666,779,200 | 236 |
| Average equity | $275,766,200 | 279 |
| Average total loans | $1,962,323,000 | 239 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7277% | 4,329 |
| Cost of funding earning assets | 1.7750% | 289 |
| Net interest margin | 2.9527% | 6,665 |
| Noninterest income to average assets | 0.7765% | 2,160 |
| Noninterest expense to average assets | 2.4050% | 5,756 |
| Loan and lease loss provision to assets | 0.1201% | 4,929 |
| Net operating income to assets | 0.6618% | 3,812 |
| Return on assets (ROA) | 0.7550% | 3,526 |
| Pretax return on assets | 1.1676% | 2,755 |
| Return on Equity (ROE) | 7.8160% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.5721% | 1,677 |
| Net charge-offs to loans | 0.2394% | 3,926 |
| Credit loss provision to net charge-offs | 73.1288% | 4,379 |
| Earnings coverage of net charge-offs (x) | 6.9656% | 2,445 |
| Efficiency ratio | 67.4481% | 4,433 |
| Assets per employee ($millions) | 6.6389% | 883 |
| Cash dividends to net income (ytd only)* | 3.1201% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 6,465 |
| Loan loss allowance to noncurrent loans | 59.3509% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 1.4137% | 4,008 |
| Noncurrent loans to loans | 1.5936% | 3,908 |
| Net loans and leases to total assets | 68.3614% | 2,411 |
| Net loans and leases to deposits | 97.2263% | 621 |
| Net loans and leases to core deposits | 104.8291% | 929 |
| Total domestic deposits to total assets | 70.3116% | 7,025 |
| Equity capital to assets | 9.6306% | 4,888 |
| Core capital (leverage) ratio | 9.5673% | 4,043 |
| Tier 1 risk-based capital ratio | 13.1403% | 4,994 |
| Total risk-based capital ratio | 14.0673% | 5,218 |
| Memoranda: | ||
| Average total assets | $2,829,807,250 | 250 |
| Average earning assets | $2,657,517,250 | 236 |
| Average equity | $273,363,500 | 283 |
| Average total loans | $1,942,318,000 | 240 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 4,372 |
| Cost of funding earning assets | 1.8078% | 302 |
| Net interest margin | 2.9265% | 6,744 |
| Noninterest income to average assets | 0.7785% | 2,118 |
| Noninterest expense to average assets | 2.4710% | 5,640 |
| Loan and lease loss provision to assets | 0.1073% | 4,963 |
| Net operating income to assets | 0.6177% | 3,972 |
| Return on assets (ROA) | 0.6595% | 3,871 |
| Pretax return on assets | 1.0153% | 3,184 |
| Return on Equity (ROE) | 6.8200% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.4503% | 2,172 |
| Net charge-offs to loans | 0.2634% | 3,576 |
| Credit loss provision to net charge-offs | 59.4295% | 4,353 |
| Earnings coverage of net charge-offs (x) | 5.8633% | 2,515 |
| Efficiency ratio | 69.7050% | 4,168 |
| Assets per employee ($millions) | 6.7782% | 815 |
| Cash dividends to net income (ytd only)* | 5.4206% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 6,397 |
| Loan loss allowance to noncurrent loans | 51.1934% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.5303% | 3,908 |
| Noncurrent loans to loans | 1.9221% | 3,580 |
| Net loans and leases to total assets | 67.5692% | 2,697 |
| Net loans and leases to deposits | 97.7256% | 607 |
| Net loans and leases to core deposits | 105.9518% | 934 |
| Total domestic deposits to total assets | 69.1417% | 7,148 |
| Equity capital to assets | 9.7387% | 4,485 |
| Core capital (leverage) ratio | 9.5295% | 3,909 |
| Tier 1 risk-based capital ratio | 13.2317% | 4,743 |
| Total risk-based capital ratio | 14.2253% | 4,916 |
| Memoranda: | ||
| Average total assets | $2,797,154,000 | 258 |
| Average earning assets | $2,629,034,670 | 241 |
| Average equity | $270,497,670 | 288 |
| Average total loans | $1,916,233,000 | 245 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 4,507 |
| Cost of funding earning assets | 1.8137% | 354 |
| Net interest margin | 2.8906% | 6,774 |
| Noninterest income to average assets | 0.8265% | 1,939 |
| Noninterest expense to average assets | 2.6570% | 5,011 |
| Loan and lease loss provision to assets | 0.1079% | 4,662 |
| Net operating income to assets | 0.5100% | 4,451 |
| Return on assets (ROA) | 0.5861% | 4,178 |
| Pretax return on assets | 0.8964% | 3,511 |
| Return on Equity (ROE) | 6.0825% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.3357% | 2,977 |
| Net charge-offs to loans | 0.3259% | 2,752 |
| Credit loss provision to net charge-offs | 48.2625% | 3,791 |
| Earnings coverage of net charge-offs (x) | 3.9672% | 2,594 |
| Efficiency ratio | 74.6599% | 3,397 |
| Assets per employee ($millions) | 6.6617% | 859 |
| Cash dividends to net income (ytd only)* | 12.2790% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 6,317 |
| Loan loss allowance to noncurrent loans | 43.7506% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 1.7848% | 3,597 |
| Noncurrent loans to loans | 2.3283% | 3,162 |
| Net loans and leases to total assets | 67.3175% | 2,695 |
| Net loans and leases to deposits | 98.6914% | 537 |
| Net loans and leases to core deposits | 106.7418% | 907 |
| Total domestic deposits to total assets | 68.2101% | 7,259 |
| Equity capital to assets | 9.6886% | 4,190 |
| Core capital (leverage) ratio | 9.5371% | 3,749 |
| Tier 1 risk-based capital ratio | 13.2011% | 4,667 |
| Total risk-based capital ratio | 14.2224% | 4,832 |
| Memoranda: | ||
| Average total assets | $2,779,078,000 | 260 |
| Average earning assets | $2,613,042,500 | 244 |
| Average equity | $267,783,000 | 286 |
| Average total loans | $1,907,616,500 | 245 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 5,069 |
| Cost of funding earning assets | 2.0521% | 505 |
| Net interest margin | 2.8407% | 6,978 |
| Noninterest income to average assets | 1.0464% | 1,365 |
| Noninterest expense to average assets | 2.4940% | 5,822 |
| Loan and lease loss provision to assets | 0.2264% | 5,016 |
| Net operating income to assets | 0.6382% | 3,497 |
| Return on assets (ROA) | 0.6438% | 3,615 |
| Pretax return on assets | 1.0019% | 2,926 |
| Return on Equity (ROE) | 6.8338% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.8338% | 1,395 |
| Net charge-offs to loans | 0.1903% | 5,162 |
| Credit loss provision to net charge-offs | 173.4266% | 1,940 |
| Earnings coverage of net charge-offs (x) | 9.3413% | 1,838 |
| Efficiency ratio | 66.8981% | 4,779 |
| Assets per employee ($millions) | 6.5417% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 6,189 |
| Loan loss allowance to noncurrent loans | 48.0296% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 1.7760% | 3,652 |
| Noncurrent loans to loans | 2.1674% | 3,350 |
| Net loans and leases to total assets | 68.5522% | 2,852 |
| Net loans and leases to deposits | 101.6760% | 496 |
| Net loans and leases to core deposits | 110.1368% | 910 |
| Total domestic deposits to total assets | 67.4222% | 7,345 |
| Equity capital to assets | 9.5828% | 4,293 |
| Core capital (leverage) ratio | 9.1941% | 4,176 |
| Tier 1 risk-based capital ratio | 12.9105% | 4,675 |
| Total risk-based capital ratio | 13.9605% | 4,828 |
| Memoranda: | ||
| Average total assets | $2,738,459,400 | 262 |
| Average earning assets | $2,571,029,200 | 248 |
| Average equity | $257,997,600 | 292 |
| Average total loans | $1,878,895,400 | 256 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 5,360 |
| Cost of funding earning assets | 2.0807% | 577 |
| Net interest margin | 2.7996% | 7,132 |
| Noninterest income to average assets | 0.9009% | 1,793 |
| Noninterest expense to average assets | 2.4199% | 5,972 |
| Loan and lease loss provision to assets | 0.1540% | 5,501 |
| Net operating income to assets | 0.6231% | 3,779 |
| Return on assets (ROA) | 0.6454% | 3,840 |
| Pretax return on assets | 0.9880% | 3,225 |
| Return on Equity (ROE) | 6.8809% | 3,405 |
| Retained earnings to average equity (ytd only) | 6.8809% | 1,913 |
| Net charge-offs to loans | 0.2411% | 4,496 |
| Credit loss provision to net charge-offs | 93.2781% | 4,651 |
| Earnings coverage of net charge-offs (x) | 6.7107% | 2,468 |
| Efficiency ratio | 68.3238% | 4,402 |
| Assets per employee ($millions) | 6.6758% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 6,796 |
| Loan loss allowance to noncurrent loans | 49.6464% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 4,255 |
| Noncurrent loans to loans | 1.7766% | 3,979 |
| Net loans and leases to total assets | 68.9240% | 3,008 |
| Net loans and leases to deposits | 103.7784% | 440 |
| Net loans and leases to core deposits | 112.3388% | 918 |
| Total domestic deposits to total assets | 66.4146% | 7,455 |
| Equity capital to assets | 9.4308% | 4,942 |
| Core capital (leverage) ratio | 9.2983% | 4,213 |
| Tier 1 risk-based capital ratio | 12.6649% | 4,845 |
| Total risk-based capital ratio | 13.5277% | 5,171 |
| Memoranda: | ||
| Average total assets | $2,728,020,500 | 260 |
| Average earning assets | $2,559,412,000 | 248 |
| Average equity | $255,891,500 | 290 |
| Average total loans | $1,867,132,250 | 255 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8518% | 5,601 |
| Cost of funding earning assets | 2.1236% | 609 |
| Net interest margin | 2.7282% | 7,224 |
| Noninterest income to average assets | 0.8249% | 1,997 |
| Noninterest expense to average assets | 2.4270% | 5,987 |
| Loan and lease loss provision to assets | 0.1554% | 5,344 |
| Net operating income to assets | 0.5192% | 4,244 |
| Return on assets (ROA) | 0.5463% | 4,252 |
| Pretax return on assets | 0.8433% | 3,732 |
| Return on Equity (ROE) | 5.8345% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.8345% | 2,429 |
| Net charge-offs to loans | 0.3003% | 3,814 |
| Credit loss provision to net charge-offs | 76.0319% | 4,811 |
| Earnings coverage of net charge-offs (x) | 4.6825% | 2,883 |
| Efficiency ratio | 71.4286% | 3,915 |
| Assets per employee ($millions) | 6.6674% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 6,745 |
| Loan loss allowance to noncurrent loans | 46.6285% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 1.5853% | 4,083 |
| Noncurrent loans to loans | 1.9387% | 3,813 |
| Net loans and leases to total assets | 68.0460% | 3,353 |
| Net loans and leases to deposits | 104.5889% | 460 |
| Net loans and leases to core deposits | 113.0403% | 975 |
| Total domestic deposits to total assets | 65.0604% | 7,564 |
| Equity capital to assets | 9.5039% | 4,695 |
| Core capital (leverage) ratio | 9.2201% | 4,272 |
| Tier 1 risk-based capital ratio | 12.6928% | 4,696 |
| Total risk-based capital ratio | 13.5664% | 5,006 |
| Memoranda: | ||
| Average total assets | $2,702,752,670 | 261 |
| Average earning assets | $2,535,290,670 | 253 |
| Average equity | $253,047,670 | 291 |
| Average total loans | $1,839,608,000 | 263 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7991% | 5,893 |
| Cost of funding earning assets | 2.1566% | 677 |
| Net interest margin | 2.6424% | 7,351 |
| Noninterest income to average assets | 0.8602% | 1,770 |
| Noninterest expense to average assets | 2.4376% | 5,956 |
| Loan and lease loss provision to assets | 0.1553% | 4,978 |
| Net operating income to assets | 0.4836% | 4,480 |
| Return on assets (ROA) | 0.4907% | 4,573 |
| Pretax return on assets | 0.7574% | 4,036 |
| Return on Equity (ROE) | 5.2807% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.2807% | 2,993 |
| Net charge-offs to loans | 0.1295% | 4,190 |
| Credit loss provision to net charge-offs | 177.0658% | 2,060 |
| Earnings coverage of net charge-offs (x) | 10.2799% | 1,758 |
| Efficiency ratio | 72.6987% | 3,808 |
| Assets per employee ($millions) | 6.6467% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 6,544 |
| Loan loss allowance to noncurrent loans | 43.3521% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 1.7433% | 3,862 |
| Noncurrent loans to loans | 2.2716% | 3,431 |
| Net loans and leases to total assets | 67.1191% | 3,599 |
| Net loans and leases to deposits | 102.8644% | 599 |
| Net loans and leases to core deposits | 110.9449% | 1,224 |
| Total domestic deposits to total assets | 65.2501% | 7,642 |
| Equity capital to assets | 9.4703% | 4,582 |
| Core capital (leverage) ratio | 9.0913% | 4,391 |
| Tier 1 risk-based capital ratio | 12.7714% | 4,509 |
| Total risk-based capital ratio | 13.7155% | 4,731 |
| Memoranda: | ||
| Average total assets | $2,703,973,000 | 272 |
| Average earning assets | $2,536,900,500 | 263 |
| Average equity | $251,254,000 | 295 |
| Average total loans | $1,832,303,500 | 275 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 6,397 |
| Cost of funding earning assets | 2.4903% | 1,044 |
| Net interest margin | 2.5221% | 7,406 |
| Noninterest income to average assets | 0.9167% | 1,881 |
| Noninterest expense to average assets | 2.2887% | 6,780 |
| Loan and lease loss provision to assets | 0.1831% | 5,871 |
| Net operating income to assets | 0.5272% | 3,619 |
| Return on assets (ROA) | 0.5177% | 3,751 |
| Pretax return on assets | 0.8008% | 3,238 |
| Return on Equity (ROE) | 6.1755% | 3,135 |
| Retained earnings to average equity (ytd only) | 6.1755% | 1,284 |
| Net charge-offs to loans | 0.3826% | 4,293 |
| Credit loss provision to net charge-offs | 71.4186% | 6,467 |
| Earnings coverage of net charge-offs (x) | 3.8950% | 3,151 |
| Efficiency ratio | 69.6242% | 4,712 |
| Assets per employee ($millions) | 6.5609% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,666 |
| Loan loss allowance to noncurrent loans | 43.3584% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6806% | 3,845 |
| Noncurrent loans to loans | 2.1735% | 3,414 |
| Net loans and leases to total assets | 67.1021% | 3,900 |
| Net loans and leases to deposits | 101.8019% | 762 |
| Net loans and leases to core deposits | 129.9618% | 1,290 |
| Total domestic deposits to total assets | 65.9145% | 7,644 |
| Equity capital to assets | 9.1171% | 4,961 |
| Core capital (leverage) ratio | 8.7943% | 4,776 |
| Tier 1 risk-based capital ratio | 12.5873% | 4,456 |
| Total risk-based capital ratio | 13.5117% | 4,675 |
| Memoranda: | ||
| Average total assets | $2,804,693,000 | 264 |
| Average earning assets | $2,636,067,000 | 255 |
| Average equity | $235,122,000 | 301 |
| Average total loans | $1,879,274,400 | 281 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0447% | 6,464 |
| Cost of funding earning assets | 2.5686% | 1,108 |
| Net interest margin | 2.4761% | 7,487 |
| Noninterest income to average assets | 0.9085% | 1,949 |
| Noninterest expense to average assets | 2.2230% | 6,917 |
| Loan and lease loss provision to assets | 0.1716% | 5,645 |
| Net operating income to assets | 0.5406% | 3,829 |
| Return on assets (ROA) | 0.5259% | 3,968 |
| Pretax return on assets | 0.8188% | 3,482 |
| Return on Equity (ROE) | 6.4089% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.4089% | 1,761 |
| Net charge-offs to loans | 0.3963% | 3,679 |
| Credit loss provision to net charge-offs | 64.8066% | 6,083 |
| Earnings coverage of net charge-offs (x) | 3.8258% | 3,372 |
| Efficiency ratio | 68.6894% | 4,847 |
| Assets per employee ($millions) | 6.6096% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 6,498 |
| Loan loss allowance to noncurrent loans | 57.3333% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 4,360 |
| Noncurrent loans to loans | 1.6707% | 4,140 |
| Net loans and leases to total assets | 66.1474% | 4,395 |
| Net loans and leases to deposits | 100.1276% | 1,089 |
| Net loans and leases to core deposits | 127.8947% | 1,588 |
| Total domestic deposits to total assets | 66.0632% | 7,684 |
| Equity capital to assets | 8.9142% | 5,614 |
| Core capital (leverage) ratio | 8.4241% | 5,629 |
| Tier 1 risk-based capital ratio | 12.3237% | 4,685 |
| Total risk-based capital ratio | 13.2540% | 4,908 |
| Memoranda: | ||
| Average total assets | $2,823,530,750 | 271 |
| Average earning assets | $2,654,508,500 | 263 |
| Average equity | $231,693,250 | 316 |
| Average total loans | $1,886,875,250 | 290 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 6,500 |
| Cost of funding earning assets | 2.6642% | 1,128 |
| Net interest margin | 2.4182% | 7,553 |
| Noninterest income to average assets | 0.9392% | 1,801 |
| Noninterest expense to average assets | 2.1632% | 7,140 |
| Loan and lease loss provision to assets | 0.1812% | 5,231 |
| Net operating income to assets | 0.5586% | 3,845 |
| Return on assets (ROA) | 0.5349% | 4,066 |
| Pretax return on assets | 0.8329% | 3,562 |
| Return on Equity (ROE) | 6.7034% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.7034% | 1,692 |
| Net charge-offs to loans | 0.4216% | 3,114 |
| Credit loss provision to net charge-offs | 64.3195% | 5,523 |
| Earnings coverage of net charge-offs (x) | 3.7303% | 3,324 |
| Efficiency ratio | 67.2985% | 5,292 |
| Assets per employee ($millions) | 6.8753% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 6,550 |
| Loan loss allowance to noncurrent loans | 68.2334% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.2557% | 4,427 |
| Noncurrent loans to loans | 1.3933% | 4,424 |
| Net loans and leases to total assets | 66.3700% | 4,490 |
| Net loans and leases to deposits | 99.2926% | 1,357 |
| Net loans and leases to core deposits | 130.9132% | 1,492 |
| Total domestic deposits to total assets | 66.8429% | 7,689 |
| Equity capital to assets | 8.2916% | 6,342 |
| Core capital (leverage) ratio | 7.9478% | 6,423 |
| Tier 1 risk-based capital ratio | 11.6908% | 5,205 |
| Total risk-based capital ratio | 12.6317% | 5,425 |
| Memoranda: | ||
| Average total assets | $2,852,581,670 | 277 |
| Average earning assets | $2,683,780,330 | 267 |
| Average equity | $227,615,330 | 324 |
| Average total loans | $1,906,650,670 | 293 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 6,431 |
| Cost of funding earning assets | 2.7829% | 1,018 |
| Net interest margin | 2.3809% | 7,639 |
| Noninterest income to average assets | 0.8905% | 1,892 |
| Noninterest expense to average assets | 2.2429% | 6,717 |
| Loan and lease loss provision to assets | 0.2774% | 3,738 |
| Net operating income to assets | 0.3940% | 4,879 |
| Return on assets (ROA) | 0.3470% | 5,268 |
| Pretax return on assets | 0.5390% | 4,951 |
| Return on Equity (ROE) | 4.4342% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.4342% | 3,454 |
| Net charge-offs to loans | 0.2179% | 3,335 |
| Credit loss provision to net charge-offs | 190.6820% | 2,305 |
| Earnings coverage of net charge-offs (x) | 6.1172% | 2,538 |
| Efficiency ratio | 71.5955% | 4,251 |
| Assets per employee ($millions) | 7.0747% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 5,663 |
| Loan loss allowance to noncurrent loans | 86.8140% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 4,423 |
| Noncurrent loans to loans | 1.2366% | 4,498 |
| Net loans and leases to total assets | 65.3601% | 4,734 |
| Net loans and leases to deposits | 96.9973% | 1,800 |
| Net loans and leases to core deposits | 131.7082% | 1,555 |
| Total domestic deposits to total assets | 67.3834% | 7,644 |
| Equity capital to assets | 7.7808% | 7,093 |
| Core capital (leverage) ratio | 7.4840% | 7,179 |
| Tier 1 risk-based capital ratio | 11.0344% | 5,881 |
| Total risk-based capital ratio | 12.0872% | 5,963 |
| Memoranda: | ||
| Average total assets | $2,862,560,500 | 280 |
| Average earning assets | $2,695,775,500 | 266 |
| Average equity | $223,987,500 | 333 |
| Average total loans | $1,910,947,000 | 294 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7184% | 6,717 |
| Cost of funding earning assets | 3.2717% | 1,000 |
| Net interest margin | 2.4467% | 7,810 |
| Noninterest income to average assets | 0.5915% | 3,899 |
| Noninterest expense to average assets | 2.2307% | 6,894 |
| Loan and lease loss provision to assets | 0.2555% | 4,359 |
| Net operating income to assets | 0.2698% | 5,643 |
| Return on assets (ROA) | 0.2237% | 5,603 |
| Pretax return on assets | 0.3375% | 5,424 |
| Return on Equity (ROE) | 2.7293% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.7293% | 3,483 |
| Net charge-offs to loans | 0.1989% | 4,205 |
| Credit loss provision to net charge-offs | 195.9329% | 2,502 |
| Earnings coverage of net charge-offs (x) | 5.0838% | 3,756 |
| Efficiency ratio | 77.0932% | 3,061 |
| Assets per employee ($millions) | 6.9071% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 5,890 |
| Loan loss allowance to noncurrent loans | 74.1859% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 3,936 |
| Noncurrent loans to loans | 1.3679% | 3,783 |
| Net loans and leases to total assets | 66.7673% | 4,691 |
| Net loans and leases to deposits | 100.2869% | 1,813 |
| Net loans and leases to core deposits | 137.2798% | 1,425 |
| Total domestic deposits to total assets | 66.5763% | 7,614 |
| Equity capital to assets | 7.8692% | 7,013 |
| Core capital (leverage) ratio | 7.3535% | 7,357 |
| Tier 1 risk-based capital ratio | 10.7263% | 5,977 |
| Total risk-based capital ratio | 11.7131% | 6,125 |
| Memoranda: | ||
| Average total assets | $2,791,129,600 | 272 |
| Average earning assets | $2,626,051,400 | 262 |
| Average equity | $228,775,800 | 331 |
| Average total loans | $1,829,510,600 | 296 |