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ServisFirst 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 | 5.5778% | 1,062 |
| Cost of funding earning assets | 2.7406% | 233 |
| Net interest margin | 2.8372% | 3,593 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.1591% | 4,475 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3719% | 1,272 |
| Return on assets (ROA) | 1.3719% | 1,244 |
| Pretax return on assets | 1.6242% | 1,189 |
| Return on Equity (ROE) | 14.6800% | 1,348 |
| Retained earnings to average equity (ytd only) | 10.3002% | 939 |
| Net charge-offs to loans | 0.1004% | 906 |
| Credit loss provision to net charge-offs | 160.0120% | 1,410 |
| Earnings coverage of net charge-offs (x) | 22.8206% | 1,806 |
| Efficiency ratio | 39.8897% | 4,364 |
| Assets per employee ($millions) | 27.2451% | 61 |
| Cash dividends to net income (ytd only)* | 29.8133% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 1,704 |
| Loan loss allowance to noncurrent loans | 712.0095% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 2,593 |
| Noncurrent loans to loans | 0.1846% | 2,591 |
| Net loans and leases to total assets | 71.3700% | 1,654 |
| Net loans and leases to deposits | 86.5879% | 1,574 |
| Net loans and leases to core deposits | 92.4456% | 1,872 |
| Total domestic deposits to total assets | 82.4200% | 3,045 |
| Equity capital to assets | 9.3110% | 2,482 |
| Core capital (leverage) ratio | 9.5025% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5162% | 2,403 |
| Memoranda: | ||
| Average total assets | $15,281,195,000 | 122 |
| Average earning assets | $14,579,280,400 | 114 |
| Average equity | $1,428,489,600 | 125 |
| Average total loans | $11,648,253,800 | 107 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4184% | 1,106 |
| Cost of funding earning assets | 2.5311% | 257 |
| Net interest margin | 2.8873% | 3,577 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.0541% | 4,515 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.4760% | 1,173 |
| Return on assets (ROA) | 1.4760% | 1,157 |
| Pretax return on assets | 1.7696% | 1,047 |
| Return on Equity (ROE) | 15.7700% | 1,297 |
| Retained earnings to average equity (ytd only) | 11.4205% | 1,086 |
| Net charge-offs to loans | 0.1051% | 755 |
| Credit loss provision to net charge-offs | 164.7936% | 1,255 |
| Earnings coverage of net charge-offs (x) | 23.4276% | 1,734 |
| Efficiency ratio | 35.6414% | 4,452 |
| Assets per employee ($millions) | 28.2455% | 55 |
| Cash dividends to net income (ytd only)* | 27.5936% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 1,835 |
| Loan loss allowance to noncurrent loans | 673.5401% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 2,605 |
| Noncurrent loans to loans | 0.1941% | 2,583 |
| Net loans and leases to total assets | 71.6500% | 1,620 |
| Net loans and leases to deposits | 87.3440% | 1,441 |
| Net loans and leases to core deposits | 93.1829% | 1,720 |
| Total domestic deposits to total assets | 82.0300% | 3,204 |
| Equity capital to assets | 9.1137% | 2,355 |
| Core capital (leverage) ratio | 9.7498% | 3,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2716% | 2,517 |
| Memoranda: | ||
| Average total assets | $15,069,216,000 | 124 |
| Average earning assets | $14,373,829,500 | 116 |
| Average equity | $1,410,167,750 | 126 |
| Average total loans | $11,644,341,500 | 110 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2785% | 1,110 |
| Cost of funding earning assets | 2.2772% | 291 |
| Net interest margin | 3.0013% | 3,428 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.0527% | 4,546 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.5319% | 1,049 |
| Return on assets (ROA) | 1.5319% | 1,045 |
| Pretax return on assets | 1.8635% | 909 |
| Return on Equity (ROE) | 16.2200% | 1,226 |
| Retained earnings to average equity (ytd only) | 11.6173% | 1,056 |
| Net charge-offs to loans | 0.0838% | 761 |
| Credit loss provision to net charge-offs | 222.4933% | 1,000 |
| Earnings coverage of net charge-offs (x) | 30.3949% | 1,543 |
| Efficiency ratio | 34.3627% | 4,501 |
| Assets per employee ($millions) | 26.1237% | 57 |
| Cash dividends to net income (ytd only)* | 28.3627% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 1,882 |
| Loan loss allowance to noncurrent loans | 666.5733% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 2,449 |
| Noncurrent loans to loans | 0.1968% | 2,482 |
| Net loans and leases to total assets | 76.0100% | 1,046 |
| Net loans and leases to deposits | 93.0735% | 944 |
| Net loans and leases to core deposits | 99.1491% | 1,278 |
| Total domestic deposits to total assets | 81.6600% | 3,301 |
| Equity capital to assets | 9.4373% | 2,203 |
| Core capital (leverage) ratio | 10.2483% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9409% | 2,644 |
| Memoranda: | ||
| Average total assets | $14,744,479,667 | 121 |
| Average earning assets | $14,056,147,333 | 114 |
| Average equity | $1,392,838,000 | 126 |
| Average total loans | $11,643,301,000 | 106 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2192% | 934 |
| Cost of funding earning assets | 2.0820% | 247 |
| Net interest margin | 3.1372% | 3,272 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.0810% | 4,608 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.6114% | 962 |
| Return on assets (ROA) | 1.6114% | 961 |
| Pretax return on assets | 1.9675% | 823 |
| Return on Equity (ROE) | 17.0500% | 1,166 |
| Retained earnings to average equity (ytd only) | 12.4055% | 1,192 |
| Net charge-offs to loans | 0.0525% | 838 |
| Credit loss provision to net charge-offs | 274.3137% | 722 |
| Earnings coverage of net charge-offs (x) | 49.6150% | 1,102 |
| Efficiency ratio | 34.1690% | 4,567 |
| Assets per employee ($millions) | 25.4194% | 64 |
| Cash dividends to net income (ytd only)* | 27.2401% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,125 |
| Loan loss allowance to noncurrent loans | 829.8423% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,631 |
| Noncurrent loans to loans | 0.1543% | 2,717 |
| Net loans and leases to total assets | 78.8300% | 671 |
| Net loans and leases to deposits | 98.6884% | 501 |
| Net loans and leases to core deposits | 103.7311% | 934 |
| Total domestic deposits to total assets | 79.8800% | 3,775 |
| Equity capital to assets | 9.6046% | 2,059 |
| Core capital (leverage) ratio | 9.9061% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5471% | 2,842 |
| Memoranda: | ||
| Average total assets | $14,580,037,000 | 124 |
| Average earning assets | $13,896,585,500 | 117 |
| Average equity | $1,377,997,500 | 129 |
| Average total loans | $11,660,514,000 | 108 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 1,811 |
| Cost of funding earning assets | 0.6074% | 870 |
| Net interest margin | 3.3579% | 2,389 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.0623% | 4,633 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.7609% | 480 |
| Return on assets (ROA) | 1.7270% | 484 |
| Pretax return on assets | 2.1227% | 365 |
| Return on Equity (ROE) | 19.9700% | 483 |
| Retained earnings to average equity (ytd only) | 15.4552% | 256 |
| Net charge-offs to loans | 0.0751% | 895 |
| Credit loss provision to net charge-offs | 471.9162% | 706 |
| Earnings coverage of net charge-offs (x) | 44.7888% | 1,436 |
| Efficiency ratio | 30.5106% | 4,646 |
| Assets per employee ($millions) | 26.1087% | 57 |
| Cash dividends to net income (ytd only)* | 22.5927% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,135 |
| Loan loss allowance to noncurrent loans | 827.9400% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 2,670 |
| Noncurrent loans to loans | 0.1512% | 2,745 |
| Net loans and leases to total assets | 79.0900% | 686 |
| Net loans and leases to deposits | 99.8027% | 441 |
| Net loans and leases to core deposits | 105.4957% | 765 |
| Total domestic deposits to total assets | 79.2500% | 3,974 |
| Equity capital to assets | 9.2982% | 2,158 |
| Core capital (leverage) ratio | 9.6968% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0391% | 2,964 |
| Memoranda: | ||
| Average total assets | $14,752,398,400 | 128 |
| Average earning assets | $14,104,216,400 | 121 |
| Average equity | $1,276,068,200 | 141 |
| Average total loans | $10,604,874,200 | 117 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 2,146 |
| Cost of funding earning assets | 0.3625% | 1,596 |
| Net interest margin | 3.3040% | 2,282 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.0684% | 4,656 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.7261% | 499 |
| Return on assets (ROA) | 1.6805% | 539 |
| Pretax return on assets | 2.0571% | 413 |
| Return on Equity (ROE) | 19.7900% | 451 |
| Retained earnings to average equity (ytd only) | 15.4382% | 329 |
| Net charge-offs to loans | 0.0796% | 744 |
| Credit loss provision to net charge-offs | 494.1940% | 620 |
| Earnings coverage of net charge-offs (x) | 42.9536% | 1,357 |
| Efficiency ratio | 30.9160% | 4,685 |
| Assets per employee ($millions) | 24.8465% | 66 |
| Cash dividends to net income (ytd only)* | 22.0070% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,258 |
| Loan loss allowance to noncurrent loans | 850.5823% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 2,710 |
| Noncurrent loans to loans | 0.1469% | 2,879 |
| Net loans and leases to total assets | 80.2000% | 510 |
| Net loans and leases to deposits | 100.6419% | 340 |
| Net loans and leases to core deposits | 106.6132% | 571 |
| Total domestic deposits to total assets | 79.6900% | 4,125 |
| Equity capital to assets | 9.3775% | 1,965 |
| Core capital (leverage) ratio | 9.2598% | 3,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9332% | 3,045 |
| Memoranda: | ||
| Average total assets | $14,791,805,500 | 128 |
| Average earning assets | $14,147,283,000 | 123 |
| Average equity | $1,255,820,750 | 146 |
| Average total loans | $10,333,699,000 | 120 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3187% | 2,679 |
| Cost of funding earning assets | 0.2253% | 2,581 |
| Net interest margin | 3.0934% | 2,552 |
| Noninterest income to average assets | 0.3163% | 3,275 |
| Noninterest expense to average assets | 1.0184% | 4,688 |
| Loan and lease loss provision to assets | 0.1970% | 422 |
| Net operating income to assets | 1.6713% | 461 |
| Return on assets (ROA) | 1.6051% | 526 |
| Pretax return on assets | 1.9804% | 401 |
| Return on Equity (ROE) | 19.5316% | 338 |
| Retained earnings to average equity (ytd only) | 15.3340% | 240 |
| Net charge-offs to loans | 0.0627% | 780 |
| Credit loss provision to net charge-offs | 473.2336% | 648 |
| Earnings coverage of net charge-offs (x) | 54.2597% | 1,126 |
| Efficiency ratio | 31.0722% | 4,711 |
| Assets per employee ($millions) | 26.8383% | 55 |
| Cash dividends to net income (ytd only)* | 21.4914% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,640 |
| Loan loss allowance to noncurrent loans | 826.6499% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,899 |
| Noncurrent loans to loans | 0.1462% | 2,968 |
| Net loans and leases to total assets | 72.3979% | 1,063 |
| Net loans and leases to deposits | 89.0221% | 770 |
| Net loans and leases to core deposits | 93.0590% | 971 |
| Total domestic deposits to total assets | 81.3258% | 4,088 |
| Equity capital to assets | 8.7840% | 2,547 |
| Core capital (leverage) ratio | 8.6027% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1580% | 2,992 |
| Memoranda: | ||
| Average total assets | $15,092,679,000 | 124 |
| Average earning assets | $14,448,153,667 | 122 |
| Average equity | $1,240,275,333 | 147 |
| Average total loans | $10,018,059,667 | 120 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0565% | 3,093 |
| Cost of funding earning assets | 0.1830% | 3,049 |
| Net interest margin | 2.8735% | 2,916 |
| Noninterest income to average assets | 0.2930% | 3,367 |
| Noninterest expense to average assets | 0.9617% | 4,728 |
| Loan and lease loss provision to assets | 0.1393% | 579 |
| Net operating income to assets | 1.5849% | 529 |
| Return on assets (ROA) | 1.5147% | 598 |
| Pretax return on assets | 1.8705% | 469 |
| Return on Equity (ROE) | 19.0503% | 278 |
| Retained earnings to average equity (ytd only) | 15.1284% | 279 |
| Net charge-offs to loans | 0.1053% | 501 |
| Credit loss provision to net charge-offs | 209.5350% | 763 |
| Earnings coverage of net charge-offs (x) | 31.5272% | 1,109 |
| Efficiency ratio | 31.4470% | 4,732 |
| Assets per employee ($millions) | 30.0154% | 48 |
| Cash dividends to net income (ytd only)* | 20.5871% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,825 |
| Loan loss allowance to noncurrent loans | 615.0278% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 2,813 |
| Noncurrent loans to loans | 0.1962% | 2,834 |
| Net loans and leases to total assets | 63.7631% | 1,651 |
| Net loans and leases to deposits | 78.7266% | 1,232 |
| Net loans and leases to core deposits | 82.2829% | 1,336 |
| Total domestic deposits to total assets | 80.9931% | 4,198 |
| Equity capital to assets | 8.0516% | 3,531 |
| Core capital (leverage) ratio | 8.0761% | 4,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4146% | 2,992 |
| Memoranda: | ||
| Average total assets | $15,392,684,500 | 125 |
| Average earning assets | $14,812,950,500 | 120 |
| Average equity | $1,223,894,000 | 151 |
| Average total loans | $9,716,704,000 | 122 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1989% | 3,473 |
| Cost of funding earning assets | 0.2232% | 3,221 |
| Net interest margin | 2.9758% | 3,258 |
| Noninterest income to average assets | 0.2175% | 4,060 |
| Noninterest expense to average assets | 0.9504% | 4,764 |
| Loan and lease loss provision to assets | 0.2323% | 428 |
| Net operating income to assets | 1.5475% | 920 |
| Return on assets (ROA) | 1.5513% | 941 |
| Pretax return on assets | 1.8939% | 730 |
| Return on Equity (ROE) | 18.5628% | 413 |
| Retained earnings to average equity (ytd only) | 14.4998% | 269 |
| Net charge-offs to loans | 0.0318% | 1,604 |
| Credit loss provision to net charge-offs | 1,126.0093% | 487 |
| Earnings coverage of net charge-offs (x) | 102.8332% | 866 |
| Efficiency ratio | 30.9378% | 4,786 |
| Assets per employee ($millions) | 30.7719% | 52 |
| Cash dividends to net income (ytd only)* | 21.8880% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,773 |
| Loan loss allowance to noncurrent loans | 964.3713% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 3,342 |
| Noncurrent loans to loans | 0.1269% | 3,296 |
| Net loans and leases to total assets | 60.9638% | 2,061 |
| Net loans and leases to deposits | 75.5362% | 1,605 |
| Net loans and leases to core deposits | 79.0697% | 1,670 |
| Total domestic deposits to total assets | 80.7081% | 4,141 |
| Equity capital to assets | 7.8514% | 4,447 |
| Core capital (leverage) ratio | 7.7898% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5477% | 2,977 |
| Memoranda: | ||
| Average total assets | $13,566,409,000 | 131 |
| Average earning assets | $13,013,828,400 | 131 |
| Average equity | $1,133,713,800 | 160 |
| Average total loans | $8,800,841,000 | 133 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2665% | 3,469 |
| Cost of funding earning assets | 0.2330% | 3,288 |
| Net interest margin | 3.0335% | 3,221 |
| Noninterest income to average assets | 0.2258% | 4,053 |
| Noninterest expense to average assets | 0.9236% | 4,852 |
| Loan and lease loss provision to assets | 0.2348% | 409 |
| Net operating income to assets | 1.5831% | 1,071 |
| Return on assets (ROA) | 1.5881% | 1,107 |
| Pretax return on assets | 1.9795% | 828 |
| Return on Equity (ROE) | 18.6713% | 552 |
| Retained earnings to average equity (ytd only) | 14.8374% | 420 |
| Net charge-offs to loans | 0.0318% | 1,425 |
| Credit loss provision to net charge-offs | 1,120.7969% | 486 |
| Earnings coverage of net charge-offs (x) | 105.3819% | 850 |
| Efficiency ratio | 29.4937% | 4,864 |
| Assets per employee ($millions) | 28.1872% | 52 |
| Cash dividends to net income (ytd only)* | 20.5336% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,820 |
| Loan loss allowance to noncurrent loans | 752.8851% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,354 |
| Noncurrent loans to loans | 0.1642% | 3,301 |
| Net loans and leases to total assets | 59.6155% | 2,311 |
| Net loans and leases to deposits | 71.9884% | 2,056 |
| Net loans and leases to core deposits | 75.4295% | 2,107 |
| Total domestic deposits to total assets | 82.8127% | 3,756 |
| Equity capital to assets | 8.0541% | 4,493 |
| Core capital (leverage) ratio | 8.2503% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1517% | 2,935 |
| Memoranda: | ||
| Average total assets | $13,096,132,500 | 134 |
| Average earning assets | $12,545,266,250 | 132 |
| Average equity | $1,113,929,750 | 163 |
| Average total loans | $8,617,539,250 | 136 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3712% | 3,260 |
| Cost of funding earning assets | 0.2440% | 3,332 |
| Net interest margin | 3.1272% | 2,964 |
| Noninterest income to average assets | 0.2265% | 4,042 |
| Noninterest expense to average assets | 0.8994% | 4,892 |
| Loan and lease loss provision to assets | 0.2716% | 340 |
| Net operating income to assets | 1.6253% | 997 |
| Return on assets (ROA) | 1.6331% | 1,031 |
| Pretax return on assets | 2.0574% | 745 |
| Return on Equity (ROE) | 18.8133% | 558 |
| Retained earnings to average equity (ytd only) | 15.1488% | 409 |
| Net charge-offs to loans | 0.0088% | 1,809 |
| Credit loss provision to net charge-offs | 4,560.8000% | 154 |
| Earnings coverage of net charge-offs (x) | 389.4453% | 315 |
| Efficiency ratio | 27.9438% | 4,906 |
| Assets per employee ($millions) | 25.0589% | 66 |
| Cash dividends to net income (ytd only)* | 19.4782% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,877 |
| Loan loss allowance to noncurrent loans | 608.9359% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 3,271 |
| Noncurrent loans to loans | 0.1986% | 3,241 |
| Net loans and leases to total assets | 64.7519% | 1,856 |
| Net loans and leases to deposits | 77.9520% | 1,631 |
| Net loans and leases to core deposits | 81.9698% | 1,730 |
| Total domestic deposits to total assets | 83.0664% | 3,692 |
| Equity capital to assets | 8.5983% | 4,132 |
| Core capital (leverage) ratio | 8.5863% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3449% | 2,892 |
| Memoranda: | ||
| Average total assets | $12,594,519,333 | 137 |
| Average earning assets | $12,049,951,000 | 135 |
| Average equity | $1,093,246,667 | 162 |
| Average total loans | $8,552,256,000 | 138 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4211% | 3,135 |
| Cost of funding earning assets | 0.2502% | 3,473 |
| Net interest margin | 3.1710% | 2,784 |
| Noninterest income to average assets | 0.2043% | 4,160 |
| Noninterest expense to average assets | 0.8650% | 4,930 |
| Loan and lease loss provision to assets | 0.2425% | 439 |
| Net operating income to assets | 1.6956% | 945 |
| Return on assets (ROA) | 1.6956% | 994 |
| Pretax return on assets | 2.1257% | 773 |
| Return on Equity (ROE) | 19.4355% | 577 |
| Retained earnings to average equity (ytd only) | 16.0777% | 511 |
| Net charge-offs to loans | 0.0229% | 1,287 |
| Credit loss provision to net charge-offs | 1,529.9795% | 300 |
| Earnings coverage of net charge-offs (x) | 149.3984% | 493 |
| Efficiency ratio | 26.7537% | 4,933 |
| Assets per employee ($millions) | 25.7555% | 62 |
| Cash dividends to net income (ytd only)* | 17.2768% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,359 |
| Loan loss allowance to noncurrent loans | 530.4382% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 3,373 |
| Noncurrent loans to loans | 0.2100% | 3,356 |
| Net loans and leases to total assets | 66.6292% | 1,711 |
| Net loans and leases to deposits | 79.5630% | 1,563 |
| Net loans and leases to core deposits | 83.8457% | 1,692 |
| Total domestic deposits to total assets | 83.7440% | 3,509 |
| Equity capital to assets | 8.6364% | 4,012 |
| Core capital (leverage) ratio | 8.7684% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4524% | 2,823 |
| Memoranda: | ||
| Average total assets | $12,288,752,500 | 139 |
| Average earning assets | $11,738,361,000 | 137 |
| Average equity | $1,072,120,500 | 164 |
| Average total loans | $8,500,463,500 | 136 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 3,106 |
| Cost of funding earning assets | 0.4772% | 3,101 |
| Net interest margin | 3.3961% | 2,792 |
| Noninterest income to average assets | 0.2685% | 3,872 |
| Noninterest expense to average assets | 1.0337% | 4,926 |
| Loan and lease loss provision to assets | 0.4030% | 777 |
| Net operating income to assets | 1.6384% | 587 |
| Return on assets (ROA) | 1.6384% | 634 |
| Pretax return on assets | 2.0713% | 390 |
| Return on Equity (ROE) | 17.6432% | 357 |
| Retained earnings to average equity (ytd only) | 13.0344% | 240 |
| Net charge-offs to loans | 0.3618% | 479 |
| Credit loss provision to net charge-offs | 145.9417% | 2,451 |
| Earnings coverage of net charge-offs (x) | 8.9602% | 2,555 |
| Efficiency ratio | 29.4657% | 4,962 |
| Assets per employee ($millions) | 24.2019% | 65 |
| Cash dividends to net income (ytd only)* | 26.1224% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,732 |
| Loan loss allowance to noncurrent loans | 463.9759% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 3,222 |
| Noncurrent loans to loans | 0.2235% | 3,402 |
| Net loans and leases to total assets | 70.3360% | 1,515 |
| Net loans and leases to deposits | 84.0023% | 1,456 |
| Net loans and leases to core deposits | 88.8993% | 1,618 |
| Total domestic deposits to total assets | 83.7311% | 3,193 |
| Equity capital to assets | 8.8177% | 4,204 |
| Core capital (leverage) ratio | 8.7531% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1457% | 2,885 |
| Memoranda: | ||
| Average total assets | $10,529,032,400 | 145 |
| Average earning assets | $10,043,662,000 | 140 |
| Average equity | $977,751,600 | 167 |
| Average total loans | $8,036,670,200 | 137 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9510% | 3,108 |
| Cost of funding earning assets | 0.5442% | 2,967 |
| Net interest margin | 3.4068% | 2,895 |
| Noninterest income to average assets | 0.2627% | 3,898 |
| Noninterest expense to average assets | 1.0601% | 4,961 |
| Loan and lease loss provision to assets | 0.4736% | 650 |
| Net operating income to assets | 1.5821% | 761 |
| Return on assets (ROA) | 1.5821% | 833 |
| Pretax return on assets | 1.9816% | 535 |
| Return on Equity (ROE) | 16.7890% | 466 |
| Retained earnings to average equity (ytd only) | 12.4755% | 376 |
| Net charge-offs to loans | 0.3414% | 455 |
| Credit loss provision to net charge-offs | 178.1276% | 2,189 |
| Earnings coverage of net charge-offs (x) | 9.2349% | 2,441 |
| Efficiency ratio | 30.1578% | 4,991 |
| Assets per employee ($millions) | 23.3955% | 64 |
| Cash dividends to net income (ytd only)* | 25.6924% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,288 |
| Loan loss allowance to noncurrent loans | 347.8719% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 2,979 |
| Noncurrent loans to loans | 0.3115% | 3,169 |
| Net loans and leases to total assets | 74.0554% | 1,364 |
| Net loans and leases to deposits | 87.1179% | 1,580 |
| Net loans and leases to core deposits | 92.0595% | 1,791 |
| Total domestic deposits to total assets | 85.0059% | 2,436 |
| Equity capital to assets | 8.8760% | 4,198 |
| Core capital (leverage) ratio | 8.7762% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1546% | 2,559 |
| Memoranda: | ||
| Average total assets | $10,178,406,500 | 148 |
| Average earning assets | $9,717,312,000 | 140 |
| Average equity | $959,168,750 | 167 |
| Average total loans | $7,925,809,500 | 137 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 3,010 |
| Cost of funding earning assets | 0.6310% | 2,808 |
| Net interest margin | 3.4851% | 2,839 |
| Noninterest income to average assets | 0.2439% | 4,019 |
| Noninterest expense to average assets | 1.1174% | 4,990 |
| Loan and lease loss provision to assets | 0.4884% | 745 |
| Net operating income to assets | 1.5689% | 810 |
| Return on assets (ROA) | 1.5689% | 880 |
| Pretax return on assets | 1.9621% | 590 |
| Return on Equity (ROE) | 16.2809% | 519 |
| Retained earnings to average equity (ytd only) | 11.8147% | 478 |
| Net charge-offs to loans | 0.2316% | 679 |
| Credit loss provision to net charge-offs | 266.8493% | 1,701 |
| Earnings coverage of net charge-offs (x) | 13.3889% | 1,998 |
| Efficiency ratio | 31.3187% | 5,011 |
| Assets per employee ($millions) | 22.1090% | 69 |
| Cash dividends to net income (ytd only)* | 27.4320% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,073 |
| Loan loss allowance to noncurrent loans | 415.6764% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 3,274 |
| Noncurrent loans to loans | 0.2643% | 3,437 |
| Net loans and leases to total assets | 74.8241% | 1,299 |
| Net loans and leases to deposits | 88.0814% | 1,551 |
| Net loans and leases to core deposits | 94.1302% | 1,726 |
| Total domestic deposits to total assets | 84.9489% | 2,422 |
| Equity capital to assets | 8.8656% | 4,200 |
| Core capital (leverage) ratio | 9.8971% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2372% | 2,504 |
| Memoranda: | ||
| Average total assets | $9,773,335,333 | 149 |
| Average earning assets | $9,321,821,333 | 141 |
| Average equity | $941,791,667 | 170 |
| Average total loans | $7,724,404,000 | 139 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 2,467 |
| Cost of funding earning assets | 0.8423% | 2,150 |
| Net interest margin | 3.6006% | 2,662 |
| Noninterest income to average assets | 0.2670% | 3,938 |
| Noninterest expense to average assets | 1.1877% | 5,029 |
| Loan and lease loss provision to assets | 0.5935% | 472 |
| Net operating income to assets | 1.5510% | 694 |
| Return on assets (ROA) | 1.5510% | 763 |
| Pretax return on assets | 1.9122% | 555 |
| Return on Equity (ROE) | 15.3571% | 507 |
| Retained earnings to average equity (ytd only) | 11.0311% | 564 |
| Net charge-offs to loans | 0.2562% | 573 |
| Credit loss provision to net charge-offs | 285.7383% | 1,210 |
| Earnings coverage of net charge-offs (x) | 12.0631% | 1,706 |
| Efficiency ratio | 32.1574% | 5,056 |
| Assets per employee ($millions) | 18.8018% | 75 |
| Cash dividends to net income (ytd only)* | 28.1698% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,062 |
| Loan loss allowance to noncurrent loans | 252.2638% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 2,695 |
| Noncurrent loans to loans | 0.4469% | 2,912 |
| Net loans and leases to total assets | 79.9950% | 697 |
| Net loans and leases to deposits | 95.5006% | 963 |
| Net loans and leases to core deposits | 103.3270% | 1,226 |
| Total domestic deposits to total assets | 83.7639% | 2,864 |
| Equity capital to assets | 10.0850% | 3,701 |
| Core capital (leverage) ratio | 10.0628% | 3,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3043% | 3,003 |
| Memoranda: | ||
| Average total assets | $9,154,854,000 | 154 |
| Average earning assets | $8,712,041,000 | 148 |
| Average equity | $924,625,000 | 173 |
| Average total loans | $7,421,673,000 | 142 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 2,170 |
| Cost of funding earning assets | 1.2182% | 984 |
| Net interest margin | 3.5410% | 3,311 |
| Noninterest income to average assets | 0.2751% | 4,035 |
| Noninterest expense to average assets | 1.1752% | 5,099 |
| Loan and lease loss provision to assets | 0.2632% | 684 |
| Net operating income to assets | 1.7688% | 560 |
| Return on assets (ROA) | 1.7691% | 597 |
| Pretax return on assets | 2.2174% | 372 |
| Return on Equity (ROE) | 18.0820% | 334 |
| Retained earnings to average equity (ytd only) | 13.6779% | 136 |
| Net charge-offs to loans | 0.3200% | 644 |
| Credit loss provision to net charge-offs | 102.6201% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.6713% | 2,640 |
| Efficiency ratio | 32.1490% | 5,127 |
| Assets per employee ($millions) | 17.7157% | 85 |
| Cash dividends to net income (ytd only)* | 24.3560% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,199 |
| Loan loss allowance to noncurrent loans | 212.0735% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 2,431 |
| Noncurrent loans to loans | 0.4969% | 2,694 |
| Net loans and leases to total assets | 80.3806% | 737 |
| Net loans and leases to deposits | 95.3674% | 1,009 |
| Net loans and leases to core deposits | 101.5822% | 1,437 |
| Total domestic deposits to total assets | 84.2852% | 2,758 |
| Equity capital to assets | 10.1153% | 3,819 |
| Core capital (leverage) ratio | 9.8259% | 3,703 |
| Tier 1 risk-based capital ratio | 11.3065% | 4,732 |
| Total risk-based capital ratio | 12.2906% | 4,744 |
| Memoranda: | ||
| Average total assets | $8,601,721,800 | 154 |
| Average earning assets | $8,211,394,800 | 151 |
| Average equity | $841,567,600 | 177 |
| Average total loans | $6,894,121,000 | 147 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 2,134 |
| Cost of funding earning assets | 1.2845% | 823 |
| Net interest margin | 3.5093% | 3,534 |
| Noninterest income to average assets | 0.2601% | 4,186 |
| Noninterest expense to average assets | 1.1855% | 5,172 |
| Loan and lease loss provision to assets | 0.2623% | 597 |
| Net operating income to assets | 1.7276% | 705 |
| Return on assets (ROA) | 1.7279% | 743 |
| Pretax return on assets | 2.1667% | 482 |
| Return on Equity (ROE) | 17.8201% | 407 |
| Retained earnings to average equity (ytd only) | 13.4554% | 238 |
| Net charge-offs to loans | 0.3052% | 571 |
| Credit loss provision to net charge-offs | 107.6182% | 2,124 |
| Earnings coverage of net charge-offs (x) | 9.9635% | 2,535 |
| Efficiency ratio | 32.8010% | 5,200 |
| Assets per employee ($millions) | 17.7961% | 78 |
| Cash dividends to net income (ytd only)* | 24.4933% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,039 |
| Loan loss allowance to noncurrent loans | 188.0484% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 2,468 |
| Noncurrent loans to loans | 0.5838% | 2,534 |
| Net loans and leases to total assets | 77.2205% | 1,280 |
| Net loans and leases to deposits | 89.9006% | 1,707 |
| Net loans and leases to core deposits | 95.2957% | 2,053 |
| Total domestic deposits to total assets | 85.8954% | 2,040 |
| Equity capital to assets | 9.6912% | 4,299 |
| Core capital (leverage) ratio | 9.5878% | 4,074 |
| Tier 1 risk-based capital ratio | 11.2189% | 4,815 |
| Total risk-based capital ratio | 12.2404% | 4,798 |
| Memoranda: | ||
| Average total assets | $8,515,548,500 | 158 |
| Average earning assets | $8,138,541,000 | 151 |
| Average equity | $825,720,000 | 182 |
| Average total loans | $6,800,710,500 | 149 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7924% | 2,087 |
| Cost of funding earning assets | 1.2779% | 795 |
| Net interest margin | 3.5144% | 3,553 |
| Noninterest income to average assets | 0.2568% | 4,216 |
| Noninterest expense to average assets | 1.2210% | 5,220 |
| Loan and lease loss provision to assets | 0.2339% | 686 |
| Net operating income to assets | 1.7264% | 686 |
| Return on assets (ROA) | 1.7262% | 718 |
| Pretax return on assets | 2.1642% | 481 |
| Return on Equity (ROE) | 17.7990% | 393 |
| Retained earnings to average equity (ytd only) | 13.6018% | 252 |
| Net charge-offs to loans | 0.2077% | 795 |
| Credit loss provision to net charge-offs | 139.8969% | 1,567 |
| Earnings coverage of net charge-offs (x) | 14.3433% | 2,043 |
| Efficiency ratio | 33.7358% | 5,239 |
| Assets per employee ($millions) | 17.6564% | 70 |
| Cash dividends to net income (ytd only)* | 23.5810% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,489 |
| Loan loss allowance to noncurrent loans | 222.1164% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 2,785 |
| Noncurrent loans to loans | 0.4606% | 2,900 |
| Net loans and leases to total assets | 79.0160% | 1,037 |
| Net loans and leases to deposits | 93.1563% | 1,357 |
| Net loans and leases to core deposits | 98.8065% | 1,823 |
| Total domestic deposits to total assets | 84.8209% | 2,554 |
| Equity capital to assets | 9.6381% | 4,281 |
| Core capital (leverage) ratio | 9.7559% | 3,877 |
| Tier 1 risk-based capital ratio | 11.0432% | 4,889 |
| Total risk-based capital ratio | 12.0061% | 4,929 |
| Memoranda: | ||
| Average total assets | $8,352,458,670 | 158 |
| Average earning assets | $7,991,300,670 | 153 |
| Average equity | $810,068,670 | 184 |
| Average total loans | $6,724,027,330 | 151 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 1,634 |
| Cost of funding earning assets | 1.2585% | 746 |
| Net interest margin | 3.6264% | 3,154 |
| Noninterest income to average assets | 0.2423% | 4,270 |
| Noninterest expense to average assets | 1.2341% | 5,276 |
| Loan and lease loss provision to assets | 0.2395% | 621 |
| Net operating income to assets | 1.7511% | 658 |
| Return on assets (ROA) | 1.7511% | 678 |
| Pretax return on assets | 2.1790% | 474 |
| Return on Equity (ROE) | 17.9953% | 400 |
| Retained earnings to average equity (ytd only) | 14.2166% | 338 |
| Net charge-offs to loans | 0.1987% | 709 |
| Credit loss provision to net charge-offs | 149.0238% | 1,249 |
| Earnings coverage of net charge-offs (x) | 15.0488% | 1,760 |
| Efficiency ratio | 33.7861% | 5,297 |
| Assets per employee ($millions) | 17.1346% | 73 |
| Cash dividends to net income (ytd only)* | 20.9984% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,389 |
| Loan loss allowance to noncurrent loans | 258.3514% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 3,006 |
| Noncurrent loans to loans | 0.4080% | 3,125 |
| Net loans and leases to total assets | 79.3103% | 938 |
| Net loans and leases to deposits | 92.9352% | 1,291 |
| Net loans and leases to core deposits | 98.7149% | 1,728 |
| Total domestic deposits to total assets | 85.3394% | 2,551 |
| Equity capital to assets | 9.7436% | 4,051 |
| Core capital (leverage) ratio | 9.8233% | 3,790 |
| Tier 1 risk-based capital ratio | 11.2131% | 4,874 |
| Total risk-based capital ratio | 12.2079% | 4,901 |
| Memoranda: | ||
| Average total assets | $8,158,720,000 | 162 |
| Average earning assets | $7,672,426,000 | 157 |
| Average equity | $793,919,000 | 188 |
| Average total loans | $6,597,375,000 | 153 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 1,880 |
| Cost of funding earning assets | 0.8724% | 1,203 |
| Net interest margin | 3.8123% | 2,624 |
| Noninterest income to average assets | 0.2908% | 4,160 |
| Noninterest expense to average assets | 1.2707% | 5,309 |
| Loan and lease loss provision to assets | 0.2916% | 557 |
| Net operating income to assets | 1.9030% | 442 |
| Return on assets (ROA) | 1.9031% | 436 |
| Pretax return on assets | 2.3499% | 276 |
| Return on Equity (ROE) | 19.4120% | 290 |
| Retained earnings to average equity (ytd only) | 16.2072% | 82 |
| Net charge-offs to loans | 0.1980% | 967 |
| Credit loss provision to net charge-offs | 175.3113% | 1,605 |
| Earnings coverage of net charge-offs (x) | 15.8811% | 2,293 |
| Efficiency ratio | 32.4822% | 5,354 |
| Assets per employee ($millions) | 17.1093% | 75 |
| Cash dividends to net income (ytd only)* | 16.5093% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 3,383 |
| Loan loss allowance to noncurrent loans | 247.0292% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 2,910 |
| Noncurrent loans to loans | 0.4250% | 3,015 |
| Net loans and leases to total assets | 80.7406% | 835 |
| Net loans and leases to deposits | 93.3612% | 1,353 |
| Net loans and leases to core deposits | 99.4127% | 1,765 |
| Total domestic deposits to total assets | 86.4821% | 2,026 |
| Equity capital to assets | 9.7177% | 3,936 |
| Core capital (leverage) ratio | 9.8856% | 3,708 |
| Tier 1 risk-based capital ratio | 11.0381% | 4,966 |
| Total risk-based capital ratio | 12.0298% | 4,968 |
| Memoranda: | ||
| Average total assets | $7,340,373,000 | 172 |
| Average earning assets | $6,972,290,600 | 164 |
| Average equity | $719,642,800 | 192 |
| Average total loans | $6,165,050,000 | 154 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 1,936 |
| Cost of funding earning assets | 0.7864% | 1,399 |
| Net interest margin | 3.8279% | 2,538 |
| Noninterest income to average assets | 0.2923% | 4,196 |
| Noninterest expense to average assets | 1.3046% | 5,366 |
| Loan and lease loss provision to assets | 0.2766% | 549 |
| Net operating income to assets | 1.9086% | 475 |
| Return on assets (ROA) | 1.9088% | 475 |
| Pretax return on assets | 2.3573% | 302 |
| Return on Equity (ROE) | 19.4225% | 305 |
| Retained earnings to average equity (ytd only) | 16.7691% | 113 |
| Net charge-offs to loans | 0.1627% | 1,011 |
| Credit loss provision to net charge-offs | 200.8366% | 1,374 |
| Earnings coverage of net charge-offs (x) | 19.1204% | 2,021 |
| Efficiency ratio | 33.1258% | 5,415 |
| Assets per employee ($millions) | 16.4858% | 79 |
| Cash dividends to net income (ytd only)* | 13.6617% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,460 |
| Loan loss allowance to noncurrent loans | 449.8487% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 3,589 |
| Noncurrent loans to loans | 0.2334% | 3,870 |
| Net loans and leases to total assets | 83.8298% | 473 |
| Net loans and leases to deposits | 96.7638% | 1,070 |
| Net loans and leases to core deposits | 103.0584% | 1,527 |
| Total domestic deposits to total assets | 86.6334% | 1,906 |
| Equity capital to assets | 9.9054% | 3,730 |
| Core capital (leverage) ratio | 10.1559% | 3,461 |
| Tier 1 risk-based capital ratio | 11.0362% | 5,021 |
| Total risk-based capital ratio | 12.0402% | 5,036 |
| Memoranda: | ||
| Average total assets | $7,173,680,500 | 173 |
| Average earning assets | $6,832,576,250 | 166 |
| Average equity | $705,025,500 | 193 |
| Average total loans | $6,072,907,750 | 155 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 1,980 |
| Cost of funding earning assets | 0.7108% | 1,565 |
| Net interest margin | 3.8247% | 2,482 |
| Noninterest income to average assets | 0.2925% | 4,224 |
| Noninterest expense to average assets | 1.3369% | 5,418 |
| Loan and lease loss provision to assets | 0.2340% | 680 |
| Net operating income to assets | 1.9145% | 451 |
| Return on assets (ROA) | 1.9146% | 449 |
| Pretax return on assets | 2.3629% | 292 |
| Return on Equity (ROE) | 19.5354% | 293 |
| Retained earnings to average equity (ytd only) | 17.5207% | 110 |
| Net charge-offs to loans | 0.1147% | 1,236 |
| Credit loss provision to net charge-offs | 241.0271% | 1,170 |
| Earnings coverage of net charge-offs (x) | 26.7456% | 1,589 |
| Efficiency ratio | 33.9851% | 5,466 |
| Assets per employee ($millions) | 15.8482% | 84 |
| Cash dividends to net income (ytd only)* | 10.3130% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,551 |
| Loan loss allowance to noncurrent loans | 455.4988% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 3,638 |
| Noncurrent loans to loans | 0.2299% | 3,892 |
| Net loans and leases to total assets | 85.6847% | 287 |
| Net loans and leases to deposits | 99.6304% | 829 |
| Net loans and leases to core deposits | 105.9569% | 1,246 |
| Total domestic deposits to total assets | 86.0025% | 2,274 |
| Equity capital to assets | 10.1329% | 3,505 |
| Core capital (leverage) ratio | 10.1136% | 3,466 |
| Tier 1 risk-based capital ratio | 11.0685% | 5,019 |
| Total risk-based capital ratio | 12.0761% | 5,032 |
| Memoranda: | ||
| Average total assets | $7,059,065,670 | 175 |
| Average earning assets | $6,720,499,000 | 166 |
| Average equity | $691,820,000 | 193 |
| Average total loans | $5,974,274,330 | 155 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4151% | 2,145 |
| Cost of funding earning assets | 0.6438% | 1,753 |
| Net interest margin | 3.7713% | 2,539 |
| Noninterest income to average assets | 0.2762% | 4,319 |
| Noninterest expense to average assets | 1.3255% | 5,489 |
| Loan and lease loss provision to assets | 0.2350% | 658 |
| Net operating income to assets | 1.8908% | 462 |
| Return on assets (ROA) | 1.8910% | 467 |
| Pretax return on assets | 2.3044% | 314 |
| Return on Equity (ROE) | 19.6301% | 277 |
| Retained earnings to average equity (ytd only) | 19.0408% | 126 |
| Net charge-offs to loans | 0.1015% | 1,180 |
| Credit loss provision to net charge-offs | 276.8562% | 865 |
| Earnings coverage of net charge-offs (x) | 29.9197% | 1,242 |
| Efficiency ratio | 34.2988% | 5,532 |
| Assets per employee ($millions) | 16.0070% | 74 |
| Cash dividends to net income (ytd only)* | 3.0018% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,691 |
| Loan loss allowance to noncurrent loans | 623.6808% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 3,983 |
| Noncurrent loans to loans | 0.1677% | 4,224 |
| Net loans and leases to total assets | 83.7364% | 462 |
| Net loans and leases to deposits | 98.1031% | 847 |
| Net loans and leases to core deposits | 104.0503% | 1,373 |
| Total domestic deposits to total assets | 85.3555% | 2,806 |
| Equity capital to assets | 9.8764% | 3,722 |
| Core capital (leverage) ratio | 9.8650% | 3,695 |
| Tier 1 risk-based capital ratio | 10.8918% | 5,193 |
| Total risk-based capital ratio | 11.8884% | 5,205 |
| Memoranda: | ||
| Average total assets | $7,046,532,500 | 175 |
| Average earning assets | $6,704,937,000 | 168 |
| Average equity | $678,816,000 | 195 |
| Average total loans | $5,894,284,500 | 156 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 2,656 |
| Cost of funding earning assets | 0.5194% | 2,185 |
| Net interest margin | 3.6900% | 2,835 |
| Noninterest income to average assets | 0.2898% | 4,392 |
| Noninterest expense to average assets | 1.2973% | 5,559 |
| Loan and lease loss provision to assets | 0.3537% | 443 |
| Net operating income to assets | 1.4523% | 901 |
| Return on assets (ROA) | 1.4523% | 912 |
| Pretax return on assets | 2.1469% | 351 |
| Return on Equity (ROE) | 15.3822% | 563 |
| Retained earnings to average equity (ytd only) | 14.3236% | 95 |
| Net charge-offs to loans | 0.2919% | 897 |
| Credit loss provision to net charge-offs | 147.8170% | 1,804 |
| Earnings coverage of net charge-offs (x) | 10.4495% | 2,675 |
| Efficiency ratio | 34.1580% | 5,603 |
| Assets per employee ($millions) | 16.5468% | 73 |
| Cash dividends to net income (ytd only)* | 6.8820% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,851 |
| Loan loss allowance to noncurrent loans | 548.7852% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 3,904 |
| Noncurrent loans to loans | 0.1849% | 4,178 |
| Net loans and leases to total assets | 81.8455% | 699 |
| Net loans and leases to deposits | 94.9972% | 1,179 |
| Net loans and leases to core deposits | 100.6503% | 1,663 |
| Total domestic deposits to total assets | 86.1558% | 2,368 |
| Equity capital to assets | 9.3927% | 4,337 |
| Core capital (leverage) ratio | 9.3450% | 4,234 |
| Tier 1 risk-based capital ratio | 10.4543% | 5,382 |
| Total risk-based capital ratio | 11.4153% | 5,416 |
| Memoranda: | ||
| Average total assets | $6,565,670,600 | 178 |
| Average earning assets | $6,242,093,200 | 172 |
| Average equity | $619,870,400 | 195 |
| Average total loans | $5,382,769,000 | 158 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 2,779 |
| Cost of funding earning assets | 0.4908% | 2,348 |
| Net interest margin | 3.6629% | 2,904 |
| Noninterest income to average assets | 0.2929% | 4,437 |
| Noninterest expense to average assets | 1.3283% | 5,606 |
| Loan and lease loss provision to assets | 0.2935% | 537 |
| Net operating income to assets | 1.5247% | 854 |
| Return on assets (ROA) | 1.5247% | 876 |
| Pretax return on assets | 2.1545% | 404 |
| Return on Equity (ROE) | 16.1272% | 517 |
| Retained earnings to average equity (ytd only) | 14.6962% | 127 |
| Net charge-offs to loans | 0.1926% | 1,103 |
| Credit loss provision to net charge-offs | 186.3493% | 1,424 |
| Earnings coverage of net charge-offs (x) | 15.5416% | 2,219 |
| Efficiency ratio | 35.1742% | 5,650 |
| Assets per employee ($millions) | 15.3586% | 85 |
| Cash dividends to net income (ytd only)* | 8.8728% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,856 |
| Loan loss allowance to noncurrent loans | 393.3454% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 3,953 |
| Noncurrent loans to loans | 0.2638% | 4,017 |
| Net loans and leases to total assets | 83.0681% | 540 |
| Net loans and leases to deposits | 96.1309% | 1,105 |
| Net loans and leases to core deposits | 101.7997% | 1,557 |
| Total domestic deposits to total assets | 86.4115% | 2,126 |
| Equity capital to assets | 9.6035% | 4,342 |
| Core capital (leverage) ratio | 9.7649% | 3,864 |
| Tier 1 risk-based capital ratio | 10.5264% | 5,439 |
| Total risk-based capital ratio | 11.5121% | 5,470 |
| Memoranda: | ||
| Average total assets | $6,436,584,250 | 179 |
| Average earning assets | $6,120,988,750 | 172 |
| Average equity | $608,540,000 | 198 |
| Average total loans | $5,264,531,250 | 163 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 2,908 |
| Cost of funding earning assets | 0.4638% | 2,464 |
| Net interest margin | 3.6117% | 2,995 |
| Noninterest income to average assets | 0.2948% | 4,433 |
| Noninterest expense to average assets | 1.3482% | 5,647 |
| Loan and lease loss provision to assets | 0.2953% | 526 |
| Net operating income to assets | 1.5070% | 849 |
| Return on assets (ROA) | 1.5070% | 877 |
| Pretax return on assets | 2.0886% | 458 |
| Return on Equity (ROE) | 16.0289% | 525 |
| Retained earnings to average equity (ytd only) | 13.8393% | 191 |
| Net charge-offs to loans | 0.2412% | 848 |
| Credit loss provision to net charge-offs | 151.0563% | 1,512 |
| Earnings coverage of net charge-offs (x) | 12.1959% | 2,215 |
| Efficiency ratio | 36.1253% | 5,694 |
| Assets per employee ($millions) | 14.8224% | 90 |
| Cash dividends to net income (ytd only)* | 13.6606% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,968 |
| Loan loss allowance to noncurrent loans | 501.4938% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 4,213 |
| Noncurrent loans to loans | 0.2052% | 4,299 |
| Net loans and leases to total assets | 83.6491% | 481 |
| Net loans and leases to deposits | 98.0418% | 891 |
| Net loans and leases to core deposits | 103.7122% | 1,378 |
| Total domestic deposits to total assets | 85.3199% | 2,686 |
| Equity capital to assets | 9.7682% | 4,156 |
| Core capital (leverage) ratio | 9.7074% | 3,888 |
| Tier 1 risk-based capital ratio | 10.6397% | 5,406 |
| Total risk-based capital ratio | 11.6191% | 5,441 |
| Memoranda: | ||
| Average total assets | $6,344,881,670 | 183 |
| Average earning assets | $6,038,632,000 | 172 |
| Average equity | $596,533,670 | 204 |
| Average total loans | $5,141,463,000 | 163 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 3,287 |
| Cost of funding earning assets | 0.4455% | 2,564 |
| Net interest margin | 3.4833% | 3,338 |
| Noninterest income to average assets | 0.2862% | 4,503 |
| Noninterest expense to average assets | 1.3278% | 5,729 |
| Loan and lease loss provision to assets | 0.3139% | 403 |
| Net operating income to assets | 1.4531% | 889 |
| Return on assets (ROA) | 1.4531% | 910 |
| Pretax return on assets | 1.9670% | 539 |
| Return on Equity (ROE) | 15.7616% | 559 |
| Retained earnings to average equity (ytd only) | 14.0541% | 292 |
| Net charge-offs to loans | 0.2372% | 758 |
| Credit loss provision to net charge-offs | 166.9233% | 1,133 |
| Earnings coverage of net charge-offs (x) | 12.1276% | 1,854 |
| Efficiency ratio | 36.7944% | 5,741 |
| Assets per employee ($millions) | 15.1928% | 83 |
| Cash dividends to net income (ytd only)* | 10.8328% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 4,004 |
| Loan loss allowance to noncurrent loans | 445.3884% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 4,164 |
| Noncurrent loans to loans | 0.2346% | 4,272 |
| Net loans and leases to total assets | 80.5742% | 759 |
| Net loans and leases to deposits | 95.1245% | 998 |
| Net loans and leases to core deposits | 100.8657% | 1,450 |
| Total domestic deposits to total assets | 84.7039% | 3,215 |
| Equity capital to assets | 9.4248% | 4,368 |
| Core capital (leverage) ratio | 9.2962% | 4,349 |
| Tier 1 risk-based capital ratio | 10.6343% | 5,491 |
| Total risk-based capital ratio | 11.6265% | 5,525 |
| Memoranda: | ||
| Average total assets | $6,352,732,500 | 182 |
| Average earning assets | $6,059,447,500 | 173 |
| Average equity | $585,678,000 | 205 |
| Average total loans | $5,037,514,000 | 166 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 3,513 |
| Cost of funding earning assets | 0.4221% | 2,790 |
| Net interest margin | 3.4949% | 3,452 |
| Noninterest income to average assets | 0.3035% | 4,575 |
| Noninterest expense to average assets | 1.3953% | 5,772 |
| Loan and lease loss provision to assets | 0.2351% | 917 |
| Net operating income to assets | 1.4687% | 885 |
| Return on assets (ROA) | 1.4686% | 911 |
| Pretax return on assets | 2.0067% | 499 |
| Return on Equity (ROE) | 16.0430% | 505 |
| Retained earnings to average equity (ytd only) | 15.5547% | 95 |
| Net charge-offs to loans | 0.1085% | 2,187 |
| Credit loss provision to net charge-offs | 272.0959% | 1,063 |
| Earnings coverage of net charge-offs (x) | 25.9431% | 1,567 |
| Efficiency ratio | 38.3627% | 5,807 |
| Assets per employee ($millions) | 15.4613% | 76 |
| Cash dividends to net income (ytd only)* | 3.0436% | 4,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,976 |
| Loan loss allowance to noncurrent loans | 307.2956% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 3,908 |
| Noncurrent loans to loans | 0.3435% | 3,905 |
| Net loans and leases to total assets | 76.3657% | 1,459 |
| Net loans and leases to deposits | 89.6465% | 1,728 |
| Net loans and leases to core deposits | 94.7939% | 2,029 |
| Total domestic deposits to total assets | 85.1854% | 2,962 |
| Equity capital to assets | 9.0150% | 4,805 |
| Core capital (leverage) ratio | 9.0589% | 4,671 |
| Tier 1 risk-based capital ratio | 10.7798% | 5,446 |
| Total risk-based capital ratio | 11.7864% | 5,490 |
| Memoranda: | ||
| Average total assets | $5,698,160,400 | 186 |
| Average earning assets | $5,435,325,800 | 178 |
| Average equity | $521,629,400 | 213 |
| Average total loans | $4,539,528,000 | 174 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 3,369 |
| Cost of funding earning assets | 0.4188% | 2,851 |
| Net interest margin | 3.5421% | 3,307 |
| Noninterest income to average assets | 0.2775% | 4,782 |
| Noninterest expense to average assets | 1.3969% | 5,821 |
| Loan and lease loss provision to assets | 0.2248% | 903 |
| Net operating income to assets | 1.4795% | 914 |
| Return on assets (ROA) | 1.4795% | 958 |
| Pretax return on assets | 2.0343% | 530 |
| Return on Equity (ROE) | 16.0910% | 536 |
| Retained earnings to average equity (ytd only) | 16.0849% | 106 |
| Net charge-offs to loans | 0.1142% | 1,802 |
| Credit loss provision to net charge-offs | 244.7624% | 1,216 |
| Earnings coverage of net charge-offs (x) | 24.6004% | 1,668 |
| Efficiency ratio | 38.2086% | 5,858 |
| Assets per employee ($millions) | 14.4282% | 91 |
| Cash dividends to net income (ytd only)* | 0.0375% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 4,130 |
| Loan loss allowance to noncurrent loans | 731.4350% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1620% | 4,784 |
| Noncurrent loans to loans | 0.1435% | 4,767 |
| Net loans and leases to total assets | 76.8787% | 1,384 |
| Net loans and leases to deposits | 90.7169% | 1,669 |
| Net loans and leases to core deposits | 96.2471% | 1,967 |
| Total domestic deposits to total assets | 84.7457% | 2,916 |
| Equity capital to assets | 9.3141% | 4,851 |
| Core capital (leverage) ratio | 9.0637% | 4,763 |
| Tier 1 risk-based capital ratio | 10.9631% | 5,388 |
| Total risk-based capital ratio | 11.9656% | 5,425 |
| Memoranda: | ||
| Average total assets | $5,530,182,500 | 188 |
| Average earning assets | $5,274,875,500 | 182 |
| Average equity | $508,471,500 | 218 |
| Average total loans | $4,445,298,750 | 177 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 3,306 |
| Cost of funding earning assets | 0.4102% | 2,936 |
| Net interest margin | 3.5714% | 3,204 |
| Noninterest income to average assets | 0.2560% | 4,945 |
| Noninterest expense to average assets | 1.4194% | 5,893 |
| Loan and lease loss provision to assets | 0.2181% | 957 |
| Net operating income to assets | 1.4848% | 919 |
| Return on assets (ROA) | 1.4848% | 963 |
| Pretax return on assets | 2.0244% | 546 |
| Return on Equity (ROE) | 16.2270% | 509 |
| Retained earnings to average equity (ytd only) | 16.2177% | 110 |
| Net charge-offs to loans | 0.1043% | 1,786 |
| Credit loss provision to net charge-offs | 256.9737% | 1,075 |
| Earnings coverage of net charge-offs (x) | 26.4241% | 1,489 |
| Efficiency ratio | 38.7591% | 5,931 |
| Assets per employee ($millions) | 13.8372% | 99 |
| Cash dividends to net income (ytd only)* | 0.0577% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 4,331 |
| Loan loss allowance to noncurrent loans | 912.0512% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 4,838 |
| Noncurrent loans to loans | 0.1133% | 4,996 |
| Net loans and leases to total assets | 79.7130% | 951 |
| Net loans and leases to deposits | 96.2584% | 1,055 |
| Net loans and leases to core deposits | 102.0594% | 1,466 |
| Total domestic deposits to total assets | 82.8114% | 3,719 |
| Equity capital to assets | 9.5226% | 4,748 |
| Core capital (leverage) ratio | 9.4038% | 4,331 |
| Tier 1 risk-based capital ratio | 10.8689% | 5,500 |
| Total risk-based capital ratio | 11.8649% | 5,538 |
| Memoranda: | ||
| Average total assets | $5,372,859,670 | 190 |
| Average earning assets | $5,124,103,000 | 183 |
| Average equity | $491,612,330 | 225 |
| Average total loans | $4,372,628,330 | 176 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 3,217 |
| Cost of funding earning assets | 0.4057% | 3,005 |
| Net interest margin | 3.5952% | 3,100 |
| Noninterest income to average assets | 0.2554% | 4,910 |
| Noninterest expense to average assets | 1.4561% | 5,933 |
| Loan and lease loss provision to assets | 0.1573% | 1,329 |
| Net operating income to assets | 1.3886% | 1,064 |
| Return on assets (ROA) | 1.3886% | 1,119 |
| Pretax return on assets | 2.0714% | 494 |
| Return on Equity (ROE) | 15.5172% | 599 |
| Retained earnings to average equity (ytd only) | 15.5172% | 220 |
| Net charge-offs to loans | 0.0311% | 2,329 |
| Credit loss provision to net charge-offs | 618.3183% | 516 |
| Earnings coverage of net charge-offs (x) | 87.6156% | 593 |
| Efficiency ratio | 39.5166% | 5,977 |
| Assets per employee ($millions) | 13.8604% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 4,396 |
| Loan loss allowance to noncurrent loans | 689.2366% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 4,776 |
| Noncurrent loans to loans | 0.1507% | 4,872 |
| Net loans and leases to total assets | 79.9733% | 813 |
| Net loans and leases to deposits | 98.0544% | 756 |
| Net loans and leases to core deposits | 104.4302% | 1,167 |
| Total domestic deposits to total assets | 81.5602% | 4,345 |
| Equity capital to assets | 8.9408% | 5,229 |
| Core capital (leverage) ratio | 8.8507% | 5,027 |
| Tier 1 risk-based capital ratio | 10.1348% | 5,881 |
| Total risk-based capital ratio | 11.1360% | 5,903 |
| Memoranda: | ||
| Average total assets | $5,236,491,500 | 193 |
| Average earning assets | $4,995,038,000 | 186 |
| Average equity | $468,615,500 | 231 |
| Average total loans | $4,285,307,000 | 174 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 2,757 |
| Cost of funding earning assets | 0.3630% | 3,549 |
| Net interest margin | 3.7814% | 2,438 |
| Noninterest income to average assets | 0.2930% | 4,791 |
| Noninterest expense to average assets | 1.6018% | 5,914 |
| Loan and lease loss provision to assets | 0.2811% | 642 |
| Net operating income to assets | 1.4251% | 999 |
| Return on assets (ROA) | 1.4255% | 1,032 |
| Pretax return on assets | 2.0041% | 533 |
| Return on Equity (ROE) | 15.4563% | 618 |
| Retained earnings to average equity (ytd only) | 10.6997% | 378 |
| Net charge-offs to loans | 0.1321% | 2,045 |
| Credit loss provision to net charge-offs | 254.0439% | 1,134 |
| Earnings coverage of net charge-offs (x) | 20.6445% | 1,866 |
| Efficiency ratio | 41.2161% | 6,040 |
| Assets per employee ($millions) | 13.7335% | 104 |
| Cash dividends to net income (ytd only)* | 30.7743% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 4,448 |
| Loan loss allowance to noncurrent loans | 558.9470% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 4,560 |
| Noncurrent loans to loans | 0.1839% | 4,754 |
| Net loans and leases to total assets | 82.0627% | 590 |
| Net loans and leases to deposits | 97.8730% | 828 |
| Net loans and leases to core deposits | 104.3999% | 1,202 |
| Total domestic deposits to total assets | 83.8461% | 3,547 |
| Equity capital to assets | 8.9577% | 5,164 |
| Core capital (leverage) ratio | 8.7051% | 5,209 |
| Tier 1 risk-based capital ratio | 9.9019% | 5,970 |
| Total risk-based capital ratio | 10.8910% | 6,009 |
| Memoranda: | ||
| Average total assets | $4,569,714,800 | 208 |
| Average earning assets | $4,342,569,400 | 199 |
| Average equity | $421,459,200 | 236 |
| Average total loans | $3,827,157,400 | 183 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 2,711 |
| Cost of funding earning assets | 0.3541% | 3,712 |
| Net interest margin | 3.8075% | 2,355 |
| Noninterest income to average assets | 0.2982% | 4,806 |
| Noninterest expense to average assets | 1.6344% | 5,957 |
| Loan and lease loss provision to assets | 0.2866% | 541 |
| Net operating income to assets | 1.3459% | 1,235 |
| Return on assets (ROA) | 1.3465% | 1,276 |
| Pretax return on assets | 1.9929% | 603 |
| Return on Equity (ROE) | 14.4801% | 815 |
| Retained earnings to average equity (ytd only) | 8.0191% | 1,237 |
| Net charge-offs to loans | 0.0928% | 2,236 |
| Credit loss provision to net charge-offs | 367.7332% | 809 |
| Earnings coverage of net charge-offs (x) | 29.2409% | 1,526 |
| Efficiency ratio | 41.7691% | 6,094 |
| Assets per employee ($millions) | 13.0007% | 120 |
| Cash dividends to net income (ytd only)* | 44.6199% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 4,460 |
| Loan loss allowance to noncurrent loans | 410.3914% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 4,401 |
| Noncurrent loans to loans | 0.2562% | 4,660 |
| Net loans and leases to total assets | 83.9830% | 385 |
| Net loans and leases to deposits | 97.8442% | 826 |
| Net loans and leases to core deposits | 104.3770% | 1,208 |
| Total domestic deposits to total assets | 85.8334% | 2,618 |
| Equity capital to assets | 9.1297% | 5,184 |
| Core capital (leverage) ratio | 8.9303% | 5,083 |
| Tier 1 risk-based capital ratio | 9.7145% | 6,095 |
| Total risk-based capital ratio | 10.7226% | 6,124 |
| Memoranda: | ||
| Average total assets | $4,438,360,000 | 217 |
| Average earning assets | $4,213,788,500 | 205 |
| Average equity | $412,722,250 | 243 |
| Average total loans | $3,727,790,750 | 188 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 2,757 |
| Cost of funding earning assets | 0.3496% | 3,810 |
| Net interest margin | 3.7894% | 2,363 |
| Noninterest income to average assets | 0.2923% | 4,872 |
| Noninterest expense to average assets | 1.6855% | 5,982 |
| Loan and lease loss provision to assets | 0.2989% | 518 |
| Net operating income to assets | 1.2951% | 1,335 |
| Return on assets (ROA) | 1.2960% | 1,393 |
| Pretax return on assets | 1.9056% | 724 |
| Return on Equity (ROE) | 13.8446% | 937 |
| Retained earnings to average equity (ytd only) | 8.9075% | 953 |
| Net charge-offs to loans | 0.1147% | 1,858 |
| Credit loss provision to net charge-offs | 311.5125% | 908 |
| Earnings coverage of net charge-offs (x) | 22.9624% | 1,622 |
| Efficiency ratio | 43.3431% | 6,138 |
| Assets per employee ($millions) | 12.1060% | 147 |
| Cash dividends to net income (ytd only)* | 35.6608% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 4,698 |
| Loan loss allowance to noncurrent loans | 461.9114% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 4,390 |
| Noncurrent loans to loans | 0.2236% | 4,887 |
| Net loans and leases to total assets | 85.3965% | 270 |
| Net loans and leases to deposits | 101.5531% | 568 |
| Net loans and leases to core deposits | 108.5352% | 922 |
| Total domestic deposits to total assets | 84.0905% | 3,529 |
| Equity capital to assets | 9.5010% | 4,650 |
| Core capital (leverage) ratio | 9.2594% | 4,607 |
| Tier 1 risk-based capital ratio | 9.9153% | 6,114 |
| Total risk-based capital ratio | 10.8910% | 6,149 |
| Memoranda: | ||
| Average total assets | $4,327,389,330 | 219 |
| Average earning assets | $4,106,916,670 | 208 |
| Average equity | $405,095,330 | 247 |
| Average total loans | $3,620,511,330 | 190 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 3,066 |
| Cost of funding earning assets | 0.3436% | 3,946 |
| Net interest margin | 3.7028% | 2,609 |
| Noninterest income to average assets | 0.2952% | 4,810 |
| Noninterest expense to average assets | 1.7606% | 5,948 |
| Loan and lease loss provision to assets | 0.2266% | 771 |
| Net operating income to assets | 1.2535% | 1,397 |
| Return on assets (ROA) | 1.2554% | 1,474 |
| Pretax return on assets | 1.8270% | 829 |
| Return on Equity (ROE) | 13.5172% | 979 |
| Retained earnings to average equity (ytd only) | 13.5172% | 396 |
| Net charge-offs to loans | 0.0776% | 1,926 |
| Credit loss provision to net charge-offs | 354.7198% | 721 |
| Earnings coverage of net charge-offs (x) | 32.1047% | 1,107 |
| Efficiency ratio | 46.1919% | 6,093 |
| Assets per employee ($millions) | 12.6213% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 4,857 |
| Loan loss allowance to noncurrent loans | 419.0711% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 4,433 |
| Noncurrent loans to loans | 0.2462% | 4,894 |
| Net loans and leases to total assets | 81.5735% | 509 |
| Net loans and leases to deposits | 97.3961% | 732 |
| Net loans and leases to core deposits | 104.1217% | 1,060 |
| Total domestic deposits to total assets | 83.7543% | 3,908 |
| Equity capital to assets | 9.6070% | 4,626 |
| Core capital (leverage) ratio | 9.6086% | 4,137 |
| Tier 1 risk-based capital ratio | 10.6690% | 5,948 |
| Total risk-based capital ratio | 11.6641% | 5,996 |
| Memoranda: | ||
| Average total assets | $4,245,420,000 | 220 |
| Average earning assets | $4,031,539,000 | 209 |
| Average equity | $394,283,500 | 252 |
| Average total loans | $3,493,039,000 | 190 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 3,570 |
| Cost of funding earning assets | 0.3624% | 4,114 |
| Net interest margin | 3.6760% | 3,097 |
| Noninterest income to average assets | 0.2747% | 5,153 |
| Noninterest expense to average assets | 1.4811% | 6,307 |
| Loan and lease loss provision to assets | 0.2713% | 802 |
| Net operating income to assets | 1.4165% | 1,047 |
| Return on assets (ROA) | 1.4165% | 1,074 |
| Pretax return on assets | 2.0065% | 506 |
| Return on Equity (ROE) | 15.5984% | 681 |
| Retained earnings to average equity (ytd only) | 12.0946% | 291 |
| Net charge-offs to loans | 0.1717% | 2,314 |
| Credit loss provision to net charge-offs | 193.8220% | 1,275 |
| Earnings coverage of net charge-offs (x) | 16.2713% | 2,022 |
| Efficiency ratio | 39.4026% | 6,406 |
| Assets per employee ($millions) | 14.1821% | 89 |
| Cash dividends to net income (ytd only)* | 22.4627% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 4,773 |
| Loan loss allowance to noncurrent loans | 354.5174% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 4,451 |
| Noncurrent loans to loans | 0.2986% | 4,774 |
| Net loans and leases to total assets | 81.2519% | 601 |
| Net loans and leases to deposits | 96.2553% | 887 |
| Net loans and leases to core deposits | 101.9788% | 1,247 |
| Total domestic deposits to total assets | 84.4129% | 3,549 |
| Equity capital to assets | 8.9447% | 5,345 |
| Core capital (leverage) ratio | 8.9206% | 5,095 |
| Tier 1 risk-based capital ratio | 10.5752% | 6,069 |
| Total risk-based capital ratio | 11.6157% | 6,103 |
| Memoranda: | ||
| Average total assets | $3,781,084,400 | 227 |
| Average earning assets | $3,583,763,000 | 215 |
| Average equity | $343,368,200 | 266 |
| Average total loans | $3,082,363,600 | 195 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,533 |
| Cost of funding earning assets | 0.3641% | 4,194 |
| Net interest margin | 3.6919% | 3,060 |
| Noninterest income to average assets | 0.2760% | 5,228 |
| Noninterest expense to average assets | 1.5659% | 6,316 |
| Loan and lease loss provision to assets | 0.2701% | 779 |
| Net operating income to assets | 1.3762% | 1,181 |
| Return on assets (ROA) | 1.3763% | 1,224 |
| Pretax return on assets | 1.9338% | 661 |
| Return on Equity (ROE) | 15.0923% | 811 |
| Retained earnings to average equity (ytd only) | 14.2960% | 236 |
| Net charge-offs to loans | 0.1647% | 2,150 |
| Credit loss provision to net charge-offs | 201.5587% | 1,255 |
| Earnings coverage of net charge-offs (x) | 16.4432% | 1,969 |
| Efficiency ratio | 41.5387% | 6,426 |
| Assets per employee ($millions) | 13.8689% | 95 |
| Cash dividends to net income (ytd only)* | 5.2761% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0869% | 4,810 |
| Loan loss allowance to noncurrent loans | 199.4556% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 4,010 |
| Noncurrent loans to loans | 0.5449% | 4,286 |
| Net loans and leases to total assets | 79.2979% | 800 |
| Net loans and leases to deposits | 92.0193% | 1,230 |
| Net loans and leases to core deposits | 97.2450% | 1,573 |
| Total domestic deposits to total assets | 86.1752% | 2,772 |
| Equity capital to assets | 9.1299% | 5,230 |
| Core capital (leverage) ratio | 9.3371% | 4,589 |
| Tier 1 risk-based capital ratio | 11.0241% | 5,980 |
| Total risk-based capital ratio | 12.0901% | 6,019 |
| Memoranda: | ||
| Average total assets | $3,701,698,500 | 228 |
| Average earning assets | $3,502,872,250 | 216 |
| Average equity | $337,558,000 | 265 |
| Average total loans | $3,011,494,000 | 194 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 3,440 |
| Cost of funding earning assets | 0.3691% | 4,222 |
| Net interest margin | 3.7071% | 2,934 |
| Noninterest income to average assets | 0.2652% | 5,307 |
| Noninterest expense to average assets | 1.5781% | 6,379 |
| Loan and lease loss provision to assets | 0.2627% | 802 |
| Net operating income to assets | 1.3197% | 1,250 |
| Return on assets (ROA) | 1.3197% | 1,302 |
| Pretax return on assets | 1.9286% | 648 |
| Return on Equity (ROE) | 14.4785% | 876 |
| Retained earnings to average equity (ytd only) | 13.2559% | 317 |
| Net charge-offs to loans | 0.1643% | 2,080 |
| Credit loss provision to net charge-offs | 195.4751% | 1,202 |
| Earnings coverage of net charge-offs (x) | 16.3065% | 1,803 |
| Efficiency ratio | 41.8668% | 6,484 |
| Assets per employee ($millions) | 13.4370% | 99 |
| Cash dividends to net income (ytd only)* | 8.4443% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 5,000 |
| Loan loss allowance to noncurrent loans | 250.0114% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 4,416 |
| Noncurrent loans to loans | 0.4303% | 4,696 |
| Net loans and leases to total assets | 80.6056% | 614 |
| Net loans and leases to deposits | 94.4076% | 932 |
| Net loans and leases to core deposits | 100.2302% | 1,265 |
| Total domestic deposits to total assets | 85.3803% | 3,335 |
| Equity capital to assets | 9.1994% | 5,103 |
| Core capital (leverage) ratio | 9.3887% | 4,482 |
| Tier 1 risk-based capital ratio | 10.9548% | 6,068 |
| Total risk-based capital ratio | 12.0150% | 6,096 |
| Memoranda: | ||
| Average total assets | $3,618,048,000 | 229 |
| Average earning assets | $3,420,073,670 | 219 |
| Average equity | $329,786,330 | 266 |
| Average total loans | $2,959,055,670 | 194 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 3,308 |
| Cost of funding earning assets | 0.3761% | 4,242 |
| Net interest margin | 3.7175% | 2,797 |
| Noninterest income to average assets | 0.2244% | 5,557 |
| Noninterest expense to average assets | 1.5142% | 6,490 |
| Loan and lease loss provision to assets | 0.2610% | 806 |
| Net operating income to assets | 1.3495% | 1,100 |
| Return on assets (ROA) | 1.3495% | 1,143 |
| Pretax return on assets | 1.9608% | 577 |
| Return on Equity (ROE) | 14.8784% | 796 |
| Retained earnings to average equity (ytd only) | 12.3910% | 561 |
| Net charge-offs to loans | 0.1719% | 1,688 |
| Credit loss provision to net charge-offs | 185.2682% | 1,105 |
| Earnings coverage of net charge-offs (x) | 15.7694% | 1,533 |
| Efficiency ratio | 40.5296% | 6,585 |
| Assets per employee ($millions) | 13.3292% | 105 |
| Cash dividends to net income (ytd only)* | 16.7182% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,219 |
| Loan loss allowance to noncurrent loans | 345.0946% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 4,559 |
| Noncurrent loans to loans | 0.3122% | 5,169 |
| Net loans and leases to total assets | 81.5393% | 393 |
| Net loans and leases to deposits | 95.9692% | 660 |
| Net loans and leases to core deposits | 102.3340% | 965 |
| Total domestic deposits to total assets | 84.9640% | 3,886 |
| Equity capital to assets | 9.2032% | 4,871 |
| Core capital (leverage) ratio | 9.3037% | 4,571 |
| Tier 1 risk-based capital ratio | 10.7777% | 6,249 |
| Total risk-based capital ratio | 11.8316% | 6,278 |
| Memoranda: | ||
| Average total assets | $3,545,886,500 | 232 |
| Average earning assets | $3,349,538,000 | 220 |
| Average equity | $321,621,500 | 267 |
| Average total loans | $2,905,751,500 | 197 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2104% | 3,312 |
| Cost of funding earning assets | 0.4105% | 4,534 |
| Net interest margin | 3.7999% | 2,659 |
| Noninterest income to average assets | 0.2897% | 5,285 |
| Noninterest expense to average assets | 1.4616% | 6,594 |
| Loan and lease loss provision to assets | 0.4110% | 725 |
| Net operating income to assets | 1.3484% | 1,139 |
| Return on assets (ROA) | 1.3512% | 1,174 |
| Pretax return on assets | 2.0166% | 454 |
| Return on Equity (ROE) | 14.8993% | 781 |
| Retained earnings to average equity (ytd only) | 13.2443% | 233 |
| Net charge-offs to loans | 0.3288% | 2,031 |
| Credit loss provision to net charge-offs | 151.2031% | 1,536 |
| Earnings coverage of net charge-offs (x) | 8.9154% | 2,581 |
| Efficiency ratio | 37.6213% | 6,720 |
| Assets per employee ($millions) | 13.4334% | 105 |
| Cash dividends to net income (ytd only)* | 11.1077% | 4,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 5,278 |
| Loan loss allowance to noncurrent loans | 314.9445% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 4,322 |
| Noncurrent loans to loans | 0.3396% | 5,169 |
| Net loans and leases to total assets | 80.5883% | 534 |
| Net loans and leases to deposits | 93.8489% | 888 |
| Net loans and leases to core deposits | 100.3633% | 1,125 |
| Total domestic deposits to total assets | 85.8703% | 3,328 |
| Equity capital to assets | 8.9354% | 5,114 |
| Core capital (leverage) ratio | 8.9998% | 5,007 |
| Tier 1 risk-based capital ratio | 10.5914% | 6,338 |
| Total risk-based capital ratio | 11.6370% | 6,359 |
| Memoranda: | ||
| Average total assets | $3,164,836,400 | 241 |
| Average earning assets | $2,994,503,200 | 229 |
| Average equity | $287,014,200 | 283 |
| Average total loans | $2,616,822,200 | 199 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 3,268 |
| Cost of funding earning assets | 0.4108% | 4,717 |
| Net interest margin | 3.8205% | 2,571 |
| Noninterest income to average assets | 0.2960% | 5,329 |
| Noninterest expense to average assets | 1.4806% | 6,652 |
| Loan and lease loss provision to assets | 0.4617% | 611 |
| Net operating income to assets | 1.3232% | 1,285 |
| Return on assets (ROA) | 1.3270% | 1,330 |
| Pretax return on assets | 1.9737% | 611 |
| Return on Equity (ROE) | 14.5710% | 876 |
| Retained earnings to average equity (ytd only) | 14.5710% | 224 |
| Net charge-offs to loans | 0.4167% | 1,542 |
| Credit loss provision to net charge-offs | 133.4335% | 1,766 |
| Earnings coverage of net charge-offs (x) | 7.0222% | 2,862 |
| Efficiency ratio | 37.8645% | 6,782 |
| Assets per employee ($millions) | 12.8635% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0544% | 5,508 |
| Loan loss allowance to noncurrent loans | 307.8650% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 4,382 |
| Noncurrent loans to loans | 0.3425% | 5,360 |
| Net loans and leases to total assets | 79.9369% | 554 |
| Net loans and leases to deposits | 92.9251% | 907 |
| Net loans and leases to core deposits | 99.4769% | 1,156 |
| Total domestic deposits to total assets | 86.0230% | 3,240 |
| Equity capital to assets | 8.7703% | 5,446 |
| Core capital (leverage) ratio | 8.9517% | 5,202 |
| Tier 1 risk-based capital ratio | 10.4252% | 6,480 |
| Total risk-based capital ratio | 11.4532% | 6,506 |
| Memoranda: | ||
| Average total assets | $3,076,160,250 | 244 |
| Average earning assets | $2,910,159,500 | 231 |
| Average equity | $280,146,750 | 291 |
| Average total loans | $2,554,277,250 | 200 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 3,143 |
| Cost of funding earning assets | 0.4064% | 4,879 |
| Net interest margin | 3.8473% | 2,388 |
| Noninterest income to average assets | 0.3258% | 5,093 |
| Noninterest expense to average assets | 1.5130% | 6,664 |
| Loan and lease loss provision to assets | 0.5131% | 522 |
| Net operating income to assets | 1.3119% | 1,295 |
| Return on assets (ROA) | 1.3178% | 1,358 |
| Pretax return on assets | 1.9548% | 660 |
| Return on Equity (ROE) | 14.2688% | 952 |
| Retained earnings to average equity (ytd only) | 14.2688% | 287 |
| Net charge-offs to loans | 0.4110% | 1,576 |
| Credit loss provision to net charge-offs | 148.8181% | 1,548 |
| Earnings coverage of net charge-offs (x) | 7.1324% | 2,593 |
| Efficiency ratio | 38.0907% | 6,825 |
| Assets per employee ($millions) | 11.8517% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 5,428 |
| Loan loss allowance to noncurrent loans | 191.4071% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7672% | 4,300 |
| Noncurrent loans to loans | 0.5764% | 4,818 |
| Net loans and leases to total assets | 82.0776% | 355 |
| Net loans and leases to deposits | 96.2761% | 651 |
| Net loans and leases to core deposits | 103.8549% | 849 |
| Total domestic deposits to total assets | 85.2523% | 3,766 |
| Equity capital to assets | 9.0035% | 5,211 |
| Core capital (leverage) ratio | 9.3990% | 4,389 |
| Tier 1 risk-based capital ratio | 10.4817% | 6,509 |
| Total risk-based capital ratio | 11.5634% | 6,536 |
| Memoranda: | ||
| Average total assets | $2,969,555,670 | 254 |
| Average earning assets | $2,814,301,670 | 239 |
| Average equity | $274,249,670 | 298 |
| Average total loans | $2,491,181,330 | 202 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 3,045 |
| Cost of funding earning assets | 0.4091% | 5,020 |
| Net interest margin | 3.8553% | 2,261 |
| Noninterest income to average assets | 0.3313% | 5,050 |
| Noninterest expense to average assets | 1.4311% | 6,788 |
| Loan and lease loss provision to assets | 0.5942% | 429 |
| Net operating income to assets | 1.3245% | 1,219 |
| Return on assets (ROA) | 1.3359% | 1,286 |
| Pretax return on assets | 1.9800% | 611 |
| Return on Equity (ROE) | 14.2703% | 909 |
| Retained earnings to average equity (ytd only) | 14.2703% | 421 |
| Net charge-offs to loans | 0.4706% | 1,274 |
| Credit loss provision to net charge-offs | 149.6333% | 1,374 |
| Earnings coverage of net charge-offs (x) | 6.4397% | 2,217 |
| Efficiency ratio | 35.8825% | 6,920 |
| Assets per employee ($millions) | 11.8743% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,536 |
| Loan loss allowance to noncurrent loans | 114.0743% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.1301% | 3,680 |
| Noncurrent loans to loans | 0.9792% | 4,172 |
| Net loans and leases to total assets | 85.6229% | 134 |
| Net loans and leases to deposits | 100.9728% | 313 |
| Net loans and leases to core deposits | 109.3128% | 515 |
| Total domestic deposits to total assets | 84.7980% | 4,139 |
| Equity capital to assets | 9.6025% | 4,706 |
| Core capital (leverage) ratio | 9.4518% | 4,162 |
| Tier 1 risk-based capital ratio | 10.6161% | 6,549 |
| Total risk-based capital ratio | 11.7131% | 6,570 |
| Memoranda: | ||
| Average total assets | $2,883,977,500 | 262 |
| Average earning assets | $2,735,574,500 | 249 |
| Average equity | $269,987,000 | 305 |
| Average total loans | $2,433,483,000 | 208 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 4,076 |
| Cost of funding earning assets | 0.5042% | 5,191 |
| Net interest margin | 3.8293% | 3,105 |
| Noninterest income to average assets | 0.2815% | 5,455 |
| Noninterest expense to average assets | 1.5340% | 6,850 |
| Loan and lease loss provision to assets | 0.3439% | 1,948 |
| Net operating income to assets | 1.3604% | 1,178 |
| Return on assets (ROA) | 1.3604% | 1,300 |
| Pretax return on assets | 2.0431% | 557 |
| Return on Equity (ROE) | 14.7840% | 852 |
| Retained earnings to average equity (ytd only) | 14.7840% | 164 |
| Net charge-offs to loans | 0.2343% | 3,535 |
| Credit loss provision to net charge-offs | 186.7816% | 1,400 |
| Earnings coverage of net charge-offs (x) | 12.9643% | 1,878 |
| Efficiency ratio | 39.1221% | 6,946 |
| Assets per employee ($millions) | 12.4199% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 5,558 |
| Loan loss allowance to noncurrent loans | 253.5045% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 4,762 |
| Noncurrent loans to loans | 0.4336% | 5,413 |
| Net loans and leases to total assets | 81.2990% | 377 |
| Net loans and leases to deposits | 93.9518% | 750 |
| Net loans and leases to core deposits | 101.3511% | 935 |
| Total domestic deposits to total assets | 86.5327% | 3,085 |
| Equity capital to assets | 9.1245% | 5,369 |
| Core capital (leverage) ratio | 9.0694% | 4,784 |
| Tier 1 risk-based capital ratio | 10.5830% | 6,522 |
| Total risk-based capital ratio | 11.6605% | 6,553 |
| Memoranda: | ||
| Average total assets | $2,646,038,200 | 276 |
| Average earning assets | $2,514,894,400 | 258 |
| Average equity | $243,493,000 | 319 |
| Average total loans | $2,079,226,600 | 237 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 4,303 |
| Cost of funding earning assets | 0.5203% | 5,304 |
| Net interest margin | 3.8169% | 3,260 |
| Noninterest income to average assets | 0.2914% | 5,443 |
| Noninterest expense to average assets | 1.4757% | 6,951 |
| Loan and lease loss provision to assets | 0.3436% | 1,908 |
| Net operating income to assets | 1.3974% | 1,228 |
| Return on assets (ROA) | 1.3974% | 1,352 |
| Pretax return on assets | 2.1061% | 565 |
| Return on Equity (ROE) | 15.1497% | 876 |
| Retained earnings to average equity (ytd only) | 15.1497% | 229 |
| Net charge-offs to loans | 0.2716% | 3,098 |
| Credit loss provision to net charge-offs | 163.1347% | 1,705 |
| Earnings coverage of net charge-offs (x) | 11.6311% | 2,062 |
| Efficiency ratio | 37.5938% | 7,053 |
| Assets per employee ($millions) | 12.3892% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,623 |
| Loan loss allowance to noncurrent loans | 186.2387% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 4,635 |
| Noncurrent loans to loans | 0.6033% | 5,231 |
| Net loans and leases to total assets | 78.3656% | 684 |
| Net loans and leases to deposits | 89.7896% | 1,172 |
| Net loans and leases to core deposits | 97.2113% | 1,319 |
| Total domestic deposits to total assets | 87.2770% | 2,509 |
| Equity capital to assets | 9.1724% | 5,627 |
| Core capital (leverage) ratio | 9.2920% | 4,596 |
| Tier 1 risk-based capital ratio | 11.0583% | 6,455 |
| Total risk-based capital ratio | 12.1681% | 6,495 |
| Memoranda: | ||
| Average total assets | $2,580,986,250 | 279 |
| Average earning assets | $2,457,291,000 | 264 |
| Average equity | $238,071,500 | 321 |
| Average total loans | $2,001,781,250 | 247 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 4,357 |
| Cost of funding earning assets | 0.5387% | 5,377 |
| Net interest margin | 3.8167% | 3,284 |
| Noninterest income to average assets | 0.3445% | 5,081 |
| Noninterest expense to average assets | 1.4617% | 7,025 |
| Loan and lease loss provision to assets | 0.4337% | 1,502 |
| Net operating income to assets | 1.3781% | 1,237 |
| Return on assets (ROA) | 1.3781% | 1,394 |
| Pretax return on assets | 2.0793% | 597 |
| Return on Equity (ROE) | 14.9100% | 950 |
| Retained earnings to average equity (ytd only) | 14.9100% | 286 |
| Net charge-offs to loans | 0.4391% | 2,287 |
| Credit loss provision to net charge-offs | 128.4003% | 2,147 |
| Earnings coverage of net charge-offs (x) | 7.4393% | 2,482 |
| Efficiency ratio | 36.7745% | 7,113 |
| Assets per employee ($millions) | 11.6819% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 5,600 |
| Loan loss allowance to noncurrent loans | 191.6619% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 4,674 |
| Noncurrent loans to loans | 0.5951% | 5,324 |
| Net loans and leases to total assets | 78.3791% | 682 |
| Net loans and leases to deposits | 89.7966% | 1,165 |
| Net loans and leases to core deposits | 97.6772% | 1,297 |
| Total domestic deposits to total assets | 87.2851% | 2,606 |
| Equity capital to assets | 9.4472% | 5,136 |
| Core capital (leverage) ratio | 9.3303% | 4,412 |
| Tier 1 risk-based capital ratio | 11.1706% | 6,415 |
| Total risk-based capital ratio | 12.2744% | 6,462 |
| Memoranda: | ||
| Average total assets | $2,520,382,330 | 287 |
| Average earning assets | $2,397,224,330 | 273 |
| Average equity | $232,957,330 | 327 |
| Average total loans | $1,939,145,670 | 253 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 4,702 |
| Cost of funding earning assets | 0.5508% | 5,493 |
| Net interest margin | 3.7575% | 3,571 |
| Noninterest income to average assets | 0.3545% | 5,034 |
| Noninterest expense to average assets | 1.4212% | 7,103 |
| Loan and lease loss provision to assets | 0.3820% | 1,650 |
| Net operating income to assets | 1.3892% | 1,244 |
| Return on assets (ROA) | 1.3892% | 1,391 |
| Pretax return on assets | 2.1244% | 608 |
| Return on Equity (ROE) | 15.2027% | 934 |
| Retained earnings to average equity (ytd only) | 15.2027% | 435 |
| Net charge-offs to loans | 0.1589% | 3,141 |
| Credit loss provision to net charge-offs | 317.3103% | 940 |
| Earnings coverage of net charge-offs (x) | 20.8216% | 1,178 |
| Efficiency ratio | 36.1859% | 7,179 |
| Assets per employee ($millions) | 11.7716% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,376 |
| Loan loss allowance to noncurrent loans | 153.7592% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 1.0678% | 4,361 |
| Noncurrent loans to loans | 0.7968% | 5,081 |
| Net loans and leases to total assets | 75.3719% | 876 |
| Net loans and leases to deposits | 87.0174% | 1,288 |
| Net loans and leases to core deposits | 95.2738% | 1,352 |
| Total domestic deposits to total assets | 86.6170% | 3,164 |
| Equity capital to assets | 9.1999% | 5,233 |
| Core capital (leverage) ratio | 9.2147% | 4,489 |
| Tier 1 risk-based capital ratio | 11.2563% | 6,413 |
| Total risk-based capital ratio | 12.6838% | 6,301 |
| Memoranda: | ||
| Average total assets | $2,495,568,500 | 286 |
| Average earning assets | $2,373,090,500 | 272 |
| Average equity | $228,039,000 | 325 |
| Average total loans | $1,889,924,000 | 253 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 4,999 |
| Cost of funding earning assets | 0.6738% | 5,692 |
| Net interest margin | 3.8435% | 3,604 |
| Noninterest income to average assets | 0.2918% | 5,449 |
| Noninterest expense to average assets | 1.7624% | 6,998 |
| Loan and lease loss provision to assets | 0.4255% | 2,462 |
| Net operating income to assets | 1.1677% | 1,616 |
| Return on assets (ROA) | 1.1882% | 1,652 |
| Pretax return on assets | 1.8220% | 773 |
| Return on Equity (ROE) | 13.2501% | 1,110 |
| Retained earnings to average equity (ytd only) | 12.8270% | 242 |
| Net charge-offs to loans | 0.3139% | 3,826 |
| Credit loss provision to net charge-offs | 178.7607% | 1,465 |
| Earnings coverage of net charge-offs (x) | 9.3102% | 2,005 |
| Efficiency ratio | 44.3011% | 7,114 |
| Assets per employee ($millions) | 11.7154% | 161 |
| Cash dividends to net income (ytd only)* | 3.1927% | 4,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 5,435 |
| Loan loss allowance to noncurrent loans | 159.9622% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 4,498 |
| Noncurrent loans to loans | 0.7450% | 5,211 |
| Net loans and leases to total assets | 74.2436% | 1,228 |
| Net loans and leases to deposits | 85.0806% | 1,794 |
| Net loans and leases to core deposits | 92.1740% | 1,867 |
| Total domestic deposits to total assets | 87.2627% | 2,601 |
| Equity capital to assets | 9.0738% | 5,458 |
| Core capital (leverage) ratio | 9.1004% | 4,615 |
| Tier 1 risk-based capital ratio | 11.2313% | 6,330 |
| Total risk-based capital ratio | 12.6325% | 6,225 |
| Memoranda: | ||
| Average total assets | $2,108,772,600 | 326 |
| Average earning assets | $2,022,652,200 | 306 |
| Average equity | $189,108,600 | 371 |
| Average total loans | $1,598,802,000 | 285 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 5,093 |
| Cost of funding earning assets | 0.7010% | 5,755 |
| Net interest margin | 3.8466% | 3,632 |
| Noninterest income to average assets | 0.2703% | 5,680 |
| Noninterest expense to average assets | 1.7543% | 7,041 |
| Loan and lease loss provision to assets | 0.4265% | 2,339 |
| Net operating income to assets | 1.1637% | 1,767 |
| Return on assets (ROA) | 1.1923% | 1,788 |
| Pretax return on assets | 1.8344% | 897 |
| Return on Equity (ROE) | 13.3436% | 1,196 |
| Retained earnings to average equity (ytd only) | 12.7529% | 407 |
| Net charge-offs to loans | 0.2669% | 3,771 |
| Credit loss provision to net charge-offs | 210.1756% | 1,383 |
| Earnings coverage of net charge-offs (x) | 10.9246% | 1,864 |
| Efficiency ratio | 44.1738% | 7,139 |
| Assets per employee ($millions) | 11.1820% | 179 |
| Cash dividends to net income (ytd only)* | 4.4267% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 5,194 |
| Loan loss allowance to noncurrent loans | 116.5300% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.2602% | 4,279 |
| Noncurrent loans to loans | 1.0807% | 4,751 |
| Net loans and leases to total assets | 74.5155% | 1,231 |
| Net loans and leases to deposits | 83.5297% | 2,086 |
| Net loans and leases to core deposits | 90.4029% | 2,204 |
| Total domestic deposits to total assets | 89.2084% | 1,300 |
| Equity capital to assets | 9.5594% | 4,995 |
| Core capital (leverage) ratio | 9.7086% | 3,835 |
| Tier 1 risk-based capital ratio | 11.7162% | 6,093 |
| Total risk-based capital ratio | 13.2002% | 5,912 |
| Memoranda: | ||
| Average total assets | $2,020,906,000 | 344 |
| Average earning assets | $1,944,439,250 | 318 |
| Average equity | $180,576,500 | 395 |
| Average total loans | $1,536,352,250 | 296 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 5,044 |
| Cost of funding earning assets | 0.7158% | 5,864 |
| Net interest margin | 3.8660% | 3,462 |
| Noninterest income to average assets | 0.2357% | 5,963 |
| Noninterest expense to average assets | 1.8355% | 7,036 |
| Loan and lease loss provision to assets | 0.3837% | 2,499 |
| Net operating income to assets | 1.1439% | 1,743 |
| Return on assets (ROA) | 1.1885% | 1,706 |
| Pretax return on assets | 1.8240% | 837 |
| Return on Equity (ROE) | 13.6711% | 1,055 |
| Retained earnings to average equity (ytd only) | 12.7232% | 418 |
| Net charge-offs to loans | 0.3089% | 3,328 |
| Credit loss provision to net charge-offs | 162.9484% | 1,858 |
| Earnings coverage of net charge-offs (x) | 9.0844% | 1,967 |
| Efficiency ratio | 46.1800% | 7,147 |
| Assets per employee ($millions) | 10.3877% | 219 |
| Cash dividends to net income (ytd only)* | 6.9336% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 5,328 |
| Loan loss allowance to noncurrent loans | 92.3791% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3851% | 4,146 |
| Noncurrent loans to loans | 1.3498% | 4,399 |
| Net loans and leases to total assets | 76.3004% | 1,038 |
| Net loans and leases to deposits | 85.4844% | 1,862 |
| Net loans and leases to core deposits | 91.9678% | 2,136 |
| Total domestic deposits to total assets | 89.2565% | 1,378 |
| Equity capital to assets | 10.2266% | 3,850 |
| Core capital (leverage) ratio | 10.5045% | 2,712 |
| Tier 1 risk-based capital ratio | 12.7014% | 5,176 |
| Total risk-based capital ratio | 14.2428% | 4,901 |
| Memoranda: | ||
| Average total assets | $1,941,622,670 | 364 |
| Average earning assets | $1,877,799,330 | 333 |
| Average equity | $168,794,330 | 428 |
| Average total loans | $1,480,273,000 | 312 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 5,119 |
| Cost of funding earning assets | 0.7260% | 5,995 |
| Net interest margin | 3.8360% | 3,438 |
| Noninterest income to average assets | 0.2245% | 6,121 |
| Noninterest expense to average assets | 1.7911% | 7,152 |
| Loan and lease loss provision to assets | 0.4698% | 1,869 |
| Net operating income to assets | 1.0937% | 1,860 |
| Return on assets (ROA) | 1.1133% | 1,847 |
| Pretax return on assets | 1.7031% | 977 |
| Return on Equity (ROE) | 14.1349% | 965 |
| Retained earnings to average equity (ytd only) | 13.0655% | 578 |
| Net charge-offs to loans | 0.3010% | 2,842 |
| Credit loss provision to net charge-offs | 206.1922% | 1,441 |
| Earnings coverage of net charge-offs (x) | 9.4048% | 1,725 |
| Efficiency ratio | 45.5305% | 7,223 |
| Assets per employee ($millions) | 9.8624% | 255 |
| Cash dividends to net income (ytd only)* | 7.5657% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 5,105 |
| Loan loss allowance to noncurrent loans | 87.4147% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.5674% | 3,899 |
| Noncurrent loans to loans | 1.4931% | 4,231 |
| Net loans and leases to total assets | 77.9958% | 729 |
| Net loans and leases to deposits | 85.8937% | 1,750 |
| Net loans and leases to core deposits | 91.4917% | 2,178 |
| Total domestic deposits to total assets | 90.8049% | 715 |
| Equity capital to assets | 8.1694% | 6,320 |
| Core capital (leverage) ratio | 8.0083% | 6,249 |
| Tier 1 risk-based capital ratio | 9.9519% | 7,024 |
| Total risk-based capital ratio | 11.5323% | 6,895 |
| Memoranda: | ||
| Average total assets | $1,899,628,500 | 371 |
| Average earning assets | $1,836,895,000 | 343 |
| Average equity | $149,615,500 | 472 |
| Average total loans | $1,437,876,500 | 318 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 5,476 |
| Cost of funding earning assets | 0.7948% | 6,588 |
| Net interest margin | 3.9883% | 3,069 |
| Noninterest income to average assets | 0.2953% | 5,674 |
| Noninterest expense to average assets | 1.8058% | 7,258 |
| Loan and lease loss provision to assets | 0.6093% | 2,696 |
| Net operating income to assets | 1.1109% | 1,673 |
| Return on assets (ROA) | 1.1151% | 1,743 |
| Pretax return on assets | 1.7203% | 904 |
| Return on Equity (ROE) | 14.0214% | 875 |
| Retained earnings to average equity (ytd only) | 13.1109% | 204 |
| Net charge-offs to loans | 0.5389% | 3,458 |
| Credit loss provision to net charge-offs | 147.6673% | 2,481 |
| Earnings coverage of net charge-offs (x) | 5.6308% | 2,575 |
| Efficiency ratio | 43.7333% | 7,426 |
| Assets per employee ($millions) | 11.3839% | 183 |
| Cash dividends to net income (ytd only)* | 6.4935% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 5,060 |
| Loan loss allowance to noncurrent loans | 125.9985% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 4,812 |
| Noncurrent loans to loans | 1.0228% | 5,025 |
| Net loans and leases to total assets | 71.5465% | 2,190 |
| Net loans and leases to deposits | 78.7252% | 3,381 |
| Net loans and leases to core deposits | 83.6721% | 3,639 |
| Total domestic deposits to total assets | 90.8814% | 661 |
| Equity capital to assets | 7.5935% | 6,823 |
| Core capital (leverage) ratio | 7.7653% | 6,480 |
| Tier 1 risk-based capital ratio | 10.2041% | 6,870 |
| Total risk-based capital ratio | 11.8045% | 6,641 |
| Memoranda: | ||
| Average total assets | $1,698,729,000 | 399 |
| Average earning assets | $1,632,917,000 | 375 |
| Average equity | $135,093,600 | 509 |
| Average total loans | $1,300,617,200 | 354 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 5,410 |
| Cost of funding earning assets | 0.8113% | 6,725 |
| Net interest margin | 4.0552% | 2,833 |
| Noninterest income to average assets | 0.2758% | 5,901 |
| Noninterest expense to average assets | 1.8103% | 7,314 |
| Loan and lease loss provision to assets | 0.6190% | 2,464 |
| Net operating income to assets | 1.1335% | 1,786 |
| Return on assets (ROA) | 1.1363% | 1,889 |
| Pretax return on assets | 1.7420% | 1,030 |
| Return on Equity (ROE) | 14.1011% | 1,012 |
| Retained earnings to average equity (ytd only) | 13.2131% | 326 |
| Net charge-offs to loans | 0.5694% | 3,045 |
| Credit loss provision to net charge-offs | 139.7980% | 2,847 |
| Earnings coverage of net charge-offs (x) | 5.3225% | 2,776 |
| Efficiency ratio | 43.4440% | 7,483 |
| Assets per employee ($millions) | 11.0346% | 206 |
| Cash dividends to net income (ytd only)* | 6.2974% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 5,246 |
| Loan loss allowance to noncurrent loans | 117.2598% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 4,601 |
| Noncurrent loans to loans | 1.0645% | 5,113 |
| Net loans and leases to total assets | 75.2743% | 1,536 |
| Net loans and leases to deposits | 83.4978% | 2,790 |
| Net loans and leases to core deposits | 89.1140% | 3,224 |
| Total domestic deposits to total assets | 90.1512% | 800 |
| Equity capital to assets | 8.2170% | 6,598 |
| Core capital (leverage) ratio | 8.0462% | 6,281 |
| Tier 1 risk-based capital ratio | 10.1504% | 6,985 |
| Total risk-based capital ratio | 11.7422% | 6,773 |
| Memoranda: | ||
| Average total assets | $1,639,594,750 | 411 |
| Average earning assets | $1,573,313,250 | 391 |
| Average equity | $132,128,500 | 507 |
| Average total loans | $1,275,098,250 | 353 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 5,356 |
| Cost of funding earning assets | 0.8165% | 6,858 |
| Net interest margin | 4.0905% | 2,606 |
| Noninterest income to average assets | 0.2614% | 6,048 |
| Noninterest expense to average assets | 1.8646% | 7,308 |
| Loan and lease loss provision to assets | 0.6368% | 2,252 |
| Net operating income to assets | 1.0956% | 1,871 |
| Return on assets (ROA) | 1.0999% | 1,929 |
| Pretax return on assets | 1.6866% | 1,079 |
| Return on Equity (ROE) | 13.7494% | 1,087 |
| Retained earnings to average equity (ytd only) | 12.9181% | 391 |
| Net charge-offs to loans | 0.6565% | 2,578 |
| Credit loss provision to net charge-offs | 123.8107% | 3,268 |
| Earnings coverage of net charge-offs (x) | 4.5045% | 2,935 |
| Efficiency ratio | 44.5925% | 7,503 |
| Assets per employee ($millions) | 10.3841% | 229 |
| Cash dividends to net income (ytd only)* | 6.0461% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 5,376 |
| Loan loss allowance to noncurrent loans | 195.4840% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 4,891 |
| Noncurrent loans to loans | 0.6217% | 6,004 |
| Net loans and leases to total assets | 75.9209% | 1,503 |
| Net loans and leases to deposits | 84.3025% | 2,820 |
| Net loans and leases to core deposits | 89.8822% | 3,288 |
| Total domestic deposits to total assets | 90.0577% | 901 |
| Equity capital to assets | 8.2506% | 6,479 |
| Core capital (leverage) ratio | 8.4621% | 5,475 |
| Tier 1 risk-based capital ratio | 10.2075% | 6,905 |
| Total risk-based capital ratio | 11.7783% | 6,653 |
| Memoranda: | ||
| Average total assets | $1,593,933,670 | 426 |
| Average earning assets | $1,527,475,000 | 405 |
| Average equity | $127,510,670 | 516 |
| Average total loans | $1,248,727,670 | 361 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 5,090 |
| Cost of funding earning assets | 0.8471% | 6,952 |
| Net interest margin | 4.1370% | 2,288 |
| Noninterest income to average assets | 0.2824% | 5,884 |
| Noninterest expense to average assets | 1.8999% | 7,329 |
| Loan and lease loss provision to assets | 0.6548% | 1,938 |
| Net operating income to assets | 1.1132% | 1,790 |
| Return on assets (ROA) | 1.1196% | 1,851 |
| Pretax return on assets | 1.6991% | 1,061 |
| Return on Equity (ROE) | 14.2382% | 1,009 |
| Retained earnings to average equity (ytd only) | 13.1551% | 602 |
| Net charge-offs to loans | 0.6365% | 2,232 |
| Credit loss provision to net charge-offs | 129.9693% | 2,723 |
| Earnings coverage of net charge-offs (x) | 4.6527% | 2,581 |
| Efficiency ratio | 44.7668% | 7,595 |
| Assets per employee ($millions) | 9.9138% | 269 |
| Cash dividends to net income (ytd only)* | 7.6072% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 5,303 |
| Loan loss allowance to noncurrent loans | 127.8455% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 1.5935% | 4,107 |
| Noncurrent loans to loans | 0.9664% | 5,404 |
| Net loans and leases to total assets | 80.2175% | 811 |
| Net loans and leases to deposits | 90.6719% | 1,802 |
| Net loans and leases to core deposits | 97.1148% | 2,447 |
| Total domestic deposits to total assets | 88.4700% | 1,814 |
| Equity capital to assets | 8.6180% | 5,845 |
| Core capital (leverage) ratio | 8.4860% | 5,400 |
| Tier 1 risk-based capital ratio | 10.2553% | 6,837 |
| Total risk-based capital ratio | 11.8557% | 6,529 |
| Memoranda: | ||
| Average total assets | $1,549,789,000 | 450 |
| Average earning assets | $1,484,059,500 | 430 |
| Average equity | $121,869,500 | 551 |
| Average total loans | $1,226,655,500 | 386 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 7,094 |
| Cost of funding earning assets | 1.2874% | 6,351 |
| Net interest margin | 3.4404% | 5,215 |
| Noninterest income to average assets | 0.3088% | 5,873 |
| Noninterest expense to average assets | 2.0978% | 7,194 |
| Loan and lease loss provision to assets | 0.7820% | 2,780 |
| Net operating income to assets | 0.4976% | 3,740 |
| Return on assets (ROA) | 0.5071% | 3,796 |
| Pretax return on assets | 0.7556% | 3,392 |
| Return on Equity (ROE) | 6.4616% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.1585% | 1,292 |
| Net charge-offs to loans | 0.5963% | 3,430 |
| Credit loss provision to net charge-offs | 163.1049% | 2,692 |
| Earnings coverage of net charge-offs (x) | 3.1775% | 3,468 |
| Efficiency ratio | 57.9313% | 6,772 |
| Assets per employee ($millions) | 10.0824% | 256 |
| Cash dividends to net income (ytd only)* | 4.6904% | 3,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 5,271 |
| Loan loss allowance to noncurrent loans | 120.9058% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.5712% | 4,027 |
| Noncurrent loans to loans | 1.0045% | 5,308 |
| Net loans and leases to total assets | 76.2025% | 1,747 |
| Net loans and leases to deposits | 83.6713% | 3,336 |
| Net loans and leases to core deposits | 98.0787% | 4,214 |
| Total domestic deposits to total assets | 91.0736% | 506 |
| Equity capital to assets | 7.1314% | 7,307 |
| Core capital (leverage) ratio | 6.9405% | 7,287 |
| Tier 1 risk-based capital ratio | 8.8619% | 7,521 |
| Total risk-based capital ratio | 10.4371% | 7,386 |
| Memoranda: | ||
| Average total assets | $1,366,421,200 | 499 |
| Average earning assets | $1,315,567,400 | 468 |
| Average equity | $107,233,400 | 609 |
| Average total loans | $1,098,692,200 | 449 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 7,238 |
| Cost of funding earning assets | 1.3638% | 6,356 |
| Net interest margin | 3.3669% | 5,388 |
| Noninterest income to average assets | 0.3170% | 5,944 |
| Noninterest expense to average assets | 2.0365% | 7,318 |
| Loan and lease loss provision to assets | 0.8393% | 2,282 |
| Net operating income to assets | 0.4709% | 4,117 |
| Return on assets (ROA) | 0.4738% | 4,203 |
| Pretax return on assets | 0.6936% | 3,884 |
| Return on Equity (ROE) | 5.8766% | 3,576 |
| Retained earnings to average equity (ytd only) | 5.4678% | 2,221 |
| Net charge-offs to loans | 0.5337% | 3,083 |
| Credit loss provision to net charge-offs | 193.2524% | 2,337 |
| Earnings coverage of net charge-offs (x) | 3.5197% | 3,499 |
| Efficiency ratio | 57.1221% | 6,856 |
| Assets per employee ($millions) | 9.6863% | 295 |
| Cash dividends to net income (ytd only)* | 6.9563% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 4,765 |
| Loan loss allowance to noncurrent loans | 96.5472% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.9030% | 3,500 |
| Noncurrent loans to loans | 1.3042% | 4,759 |
| Net loans and leases to total assets | 76.2357% | 1,948 |
| Net loans and leases to deposits | 84.0596% | 3,631 |
| Net loans and leases to core deposits | 97.9882% | 4,603 |
| Total domestic deposits to total assets | 90.6924% | 516 |
| Equity capital to assets | 7.4265% | 7,356 |
| Core capital (leverage) ratio | 7.5902% | 6,874 |
| Tier 1 risk-based capital ratio | 9.2598% | 7,509 |
| Total risk-based capital ratio | 10.9309% | 7,209 |
| Memoranda: | ||
| Average total assets | $1,314,814,500 | 527 |
| Average earning assets | $1,268,491,250 | 496 |
| Average equity | $106,000,250 | 625 |
| Average total loans | $1,070,043,750 | 471 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 7,255 |
| Cost of funding earning assets | 1.4360% | 6,361 |
| Net interest margin | 3.3493% | 5,367 |
| Noninterest income to average assets | 0.3516% | 5,690 |
| Noninterest expense to average assets | 2.1020% | 7,274 |
| Loan and lease loss provision to assets | 0.8092% | 2,070 |
| Net operating income to assets | 0.4487% | 4,295 |
| Return on assets (ROA) | 0.4487% | 4,400 |
| Pretax return on assets | 0.6717% | 4,095 |
| Return on Equity (ROE) | 5.3952% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.7712% | 2,654 |
| Net charge-offs to loans | 0.4043% | 3,178 |
| Credit loss provision to net charge-offs | 240.9891% | 1,928 |
| Earnings coverage of net charge-offs (x) | 4.4104% | 3,103 |
| Efficiency ratio | 58.6676% | 6,738 |
| Assets per employee ($millions) | 8.4908% | 410 |
| Cash dividends to net income (ytd only)* | 11.5658% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 4,859 |
| Loan loss allowance to noncurrent loans | 92.1358% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 1.7863% | 3,500 |
| Noncurrent loans to loans | 1.3150% | 4,583 |
| Net loans and leases to total assets | 82.4568% | 869 |
| Net loans and leases to deposits | 91.6488% | 2,534 |
| Net loans and leases to core deposits | 107.6231% | 3,650 |
| Total domestic deposits to total assets | 89.9704% | 849 |
| Equity capital to assets | 7.9696% | 6,787 |
| Core capital (leverage) ratio | 8.2228% | 5,940 |
| Tier 1 risk-based capital ratio | 9.4527% | 7,431 |
| Total risk-based capital ratio | 11.0996% | 7,016 |
| Memoranda: | ||
| Average total assets | $1,252,629,000 | 563 |
| Average earning assets | $1,208,484,000 | 528 |
| Average equity | $104,167,330 | 641 |
| Average total loans | $1,040,332,670 | 493 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7908% | 7,385 |
| Cost of funding earning assets | 1.5629% | 6,188 |
| Net interest margin | 3.2279% | 5,765 |
| Noninterest income to average assets | 0.3043% | 6,002 |
| Noninterest expense to average assets | 2.1047% | 7,105 |
| Loan and lease loss provision to assets | 0.8145% | 1,588 |
| Net operating income to assets | 0.3264% | 5,182 |
| Return on assets (ROA) | 0.3264% | 5,364 |
| Pretax return on assets | 0.4943% | 5,095 |
| Return on Equity (ROE) | 3.8368% | 5,009 |
| Retained earnings to average equity (ytd only) | 2.5722% | 4,447 |
| Net charge-offs to loans | 0.2598% | 3,103 |
| Credit loss provision to net charge-offs | 378.4615% | 1,361 |
| Earnings coverage of net charge-offs (x) | 6.0815% | 2,548 |
| Efficiency ratio | 61.6586% | 6,117 |
| Assets per employee ($millions) | 8.2018% | 465 |
| Cash dividends to net income (ytd only)* | 32.9615% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 4,768 |
| Loan loss allowance to noncurrent loans | 84.7293% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.8119% | 3,197 |
| Noncurrent loans to loans | 1.4227% | 4,174 |
| Net loans and leases to total assets | 81.0651% | 1,189 |
| Net loans and leases to deposits | 90.1876% | 2,900 |
| Net loans and leases to core deposits | 106.1738% | 3,889 |
| Total domestic deposits to total assets | 89.8849% | 850 |
| Equity capital to assets | 8.3661% | 6,290 |
| Core capital (leverage) ratio | 8.7393% | 5,080 |
| Tier 1 risk-based capital ratio | 9.9153% | 7,017 |
| Total risk-based capital ratio | 11.0989% | 6,988 |
| Memoranda: | ||
| Average total assets | $1,208,168,000 | 584 |
| Average earning assets | $1,163,725,500 | 556 |
| Average equity | $102,793,000 | 654 |
| Average total loans | $1,000,615,500 | 512 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8396% | 6,298 |
| Cost of funding earning assets | 2.1052% | 6,030 |
| Net interest margin | 3.7345% | 4,305 |
| Noninterest income to average assets | 0.2706% | 6,520 |
| Noninterest expense to average assets | 2.0219% | 7,401 |
| Loan and lease loss provision to assets | 0.6278% | 2,315 |
| Net operating income to assets | 0.7546% | 3,645 |
| Return on assets (ROA) | 0.7546% | 3,485 |
| Pretax return on assets | 1.1687% | 2,774 |
| Return on Equity (ROE) | 9.1300% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.1009% | 818 |
| Net charge-offs to loans | 0.4098% | 2,769 |
| Credit loss provision to net charge-offs | 184.3126% | 2,691 |
| Earnings coverage of net charge-offs (x) | 5.2741% | 3,704 |
| Efficiency ratio | 52.9509% | 7,392 |
| Assets per employee ($millions) | 7.6412% | 533 |
| Cash dividends to net income (ytd only)* | 11.2717% | 4,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 5,342 |
| Loan loss allowance to noncurrent loans | 108.1726% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.7456% | 2,802 |
| Noncurrent loans to loans | 1.0088% | 4,566 |
| Net loans and leases to total assets | 82.7365% | 1,092 |
| Net loans and leases to deposits | 92.5878% | 3,035 |
| Net loans and leases to core deposits | 106.9418% | 4,085 |
| Total domestic deposits to total assets | 89.3600% | 894 |
| Equity capital to assets | 8.6617% | 5,859 |
| Core capital (leverage) ratio | 8.9071% | 4,876 |
| Tier 1 risk-based capital ratio | 10.0670% | 6,665 |
| Total risk-based capital ratio | 11.1381% | 6,742 |
| Memoranda: | ||
| Average total assets | $999,316,600 | 663 |
| Average earning assets | $949,374,800 | 631 |
| Average equity | $82,595,600 | 808 |
| Average total loans | $830,596,200 | 577 |