Home > SMBC MANUBANK > Performance and Condition Ratios
SMBC MANUBANK, 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 | 6.4646% | 361 |
| Cost of funding earning assets | 2.7193% | 240 |
| Net interest margin | 3.7453% | 1,658 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 5.0048% | 228 |
| Loan and lease loss provision to assets | 1.0300% | 66 |
| Net operating income to assets | -1.6505% | 4,560 |
| Return on assets (ROA) | -1.6437% | 4,554 |
| Pretax return on assets | -2.2443% | 4,565 |
| Return on Equity (ROE) | -9.6700% | 4,502 |
| Retained earnings to average equity (ytd only) | -9.6651% | 4,462 |
| Net charge-offs to loans | 0.4068% | 253 |
| Credit loss provision to net charge-offs | 402.2808% | 781 |
| Earnings coverage of net charge-offs (x) | -4.7002% | 4,540 |
| Efficiency ratio | 132.3343% | 59 |
| Assets per employee ($millions) | 6.2952% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7040% | 157 |
| Loan loss allowance to noncurrent loans | 165.2374% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 458 |
| Noncurrent loans to loans | 1.6364% | 391 |
| Net loans and leases to total assets | 62.3400% | 2,649 |
| Net loans and leases to deposits | 81.6255% | 1,977 |
| Net loans and leases to core deposits | 98.6907% | 1,510 |
| Total domestic deposits to total assets | 76.3700% | 3,909 |
| Equity capital to assets | 16.9830% | 387 |
| Core capital (leverage) ratio | 14.9856% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4038% | 456 |
| Memoranda: | ||
| Average total assets | $4,668,041,400 | 289 |
| Average earning assets | $4,444,110,200 | 273 |
| Average equity | $793,888,200 | 194 |
| Average total loans | $2,985,294,600 | 299 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1806% | 430 |
| Cost of funding earning assets | 2.4082% | 331 |
| Net interest margin | 3.7724% | 1,654 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 5.0173% | 225 |
| Loan and lease loss provision to assets | 0.5500% | 140 |
| Net operating income to assets | -1.2546% | 4,578 |
| Return on assets (ROA) | -1.2749% | 4,575 |
| Pretax return on assets | -1.8087% | 4,583 |
| Return on Equity (ROE) | -7.4900% | 4,522 |
| Retained earnings to average equity (ytd only) | -7.4936% | 4,471 |
| Net charge-offs to loans | -0.0081% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 132.6972% | 59 |
| Assets per employee ($millions) | 6.3560% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 301 |
| Loan loss allowance to noncurrent loans | 162.3409% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 639 |
| Noncurrent loans to loans | 1.3474% | 565 |
| Net loans and leases to total assets | 62.1500% | 2,640 |
| Net loans and leases to deposits | 78.9018% | 2,154 |
| Net loans and leases to core deposits | 97.3754% | 1,480 |
| Total domestic deposits to total assets | 78.7700% | 3,730 |
| Equity capital to assets | 16.0317% | 446 |
| Core capital (leverage) ratio | 16.0748% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3040% | 670 |
| Memoranda: | ||
| Average total assets | $4,612,204,000 | 293 |
| Average earning assets | $4,389,820,500 | 278 |
| Average equity | $784,683,750 | 195 |
| Average total loans | $2,948,119,250 | 306 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0576% | 416 |
| Cost of funding earning assets | 2.3031% | 276 |
| Net interest margin | 3.7545% | 1,709 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 4.9100% | 225 |
| Loan and lease loss provision to assets | 0.5100% | 144 |
| Net operating income to assets | -1.1375% | 4,603 |
| Return on assets (ROA) | -1.1375% | 4,600 |
| Pretax return on assets | -1.6235% | 4,611 |
| Return on Equity (ROE) | -6.5600% | 4,561 |
| Retained earnings to average equity (ytd only) | -6.5552% | 4,462 |
| Net charge-offs to loans | -0.0146% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 129.4879% | 56 |
| Assets per employee ($millions) | 6.4229% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 453 |
| Loan loss allowance to noncurrent loans | 141.5346% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 537 |
| Noncurrent loans to loans | 1.3803% | 508 |
| Net loans and leases to total assets | 64.9200% | 2,287 |
| Net loans and leases to deposits | 83.2573% | 1,740 |
| Net loans and leases to core deposits | 101.7183% | 1,149 |
| Total domestic deposits to total assets | 77.9800% | 3,849 |
| Equity capital to assets | 17.1512% | 380 |
| Core capital (leverage) ratio | 15.9955% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9953% | 638 |
| Memoranda: | ||
| Average total assets | $4,571,206,333 | 286 |
| Average earning assets | $4,352,817,333 | 273 |
| Average equity | $793,201,333 | 189 |
| Average total loans | $2,927,870,667 | 296 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6473% | 489 |
| Cost of funding earning assets | 1.9503% | 330 |
| Net interest margin | 3.6970% | 1,906 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 4.3281% | 300 |
| Loan and lease loss provision to assets | 0.4900% | 157 |
| Net operating income to assets | -0.7777% | 4,610 |
| Return on assets (ROA) | -0.7460% | 4,601 |
| Pretax return on assets | -1.0637% | 4,610 |
| Return on Equity (ROE) | -4.2700% | 4,544 |
| Retained earnings to average equity (ytd only) | -4.2745% | 4,299 |
| Net charge-offs to loans | -0.0296% | 4,214 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 116.4034% | 80 |
| Assets per employee ($millions) | 7.6460% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 692 |
| Loan loss allowance to noncurrent loans | 5,498.4407% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 3,617 |
| Noncurrent loans to loans | 0.0323% | 3,523 |
| Net loans and leases to total assets | 58.1200% | 2,861 |
| Net loans and leases to deposits | 73.8002% | 2,310 |
| Net loans and leases to core deposits | 83.5286% | 2,021 |
| Total domestic deposits to total assets | 78.7500% | 3,916 |
| Equity capital to assets | 15.8127% | 423 |
| Core capital (leverage) ratio | 17.6579% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6138% | 694 |
| Memoranda: | ||
| Average total assets | $4,589,525,000 | 294 |
| Average earning assets | $4,364,473,500 | 281 |
| Average equity | $800,936,000 | 192 |
| Average total loans | $2,890,507,500 | 306 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3163% | 3,548 |
| Cost of funding earning assets | 0.7994% | 384 |
| Net interest margin | 2.5169% | 4,270 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 3.7888% | 387 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | -0.7594% | 4,654 |
| Return on assets (ROA) | -0.7822% | 4,649 |
| Pretax return on assets | -1.0741% | 4,649 |
| Return on Equity (ROE) | -5.7600% | 4,634 |
| Retained earnings to average equity (ytd only) | -5.7615% | 4,591 |
| Net charge-offs to loans | -0.0125% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 127.0143% | 57 |
| Assets per employee ($millions) | 6.8223% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 741 |
| Loan loss allowance to noncurrent loans | 4,586.2101% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 3,570 |
| Noncurrent loans to loans | 0.0380% | 3,504 |
| Net loans and leases to total assets | 66.4300% | 1,991 |
| Net loans and leases to deposits | 88.3565% | 1,151 |
| Net loans and leases to core deposits | 103.2509% | 847 |
| Total domestic deposits to total assets | 75.1800% | 4,304 |
| Equity capital to assets | 19.4390% | 240 |
| Core capital (leverage) ratio | 19.7178% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4286% | 589 |
| Memoranda: | ||
| Average total assets | $4,300,155,600 | 300 |
| Average earning assets | $4,112,274,200 | 287 |
| Average equity | $583,808,200 | 243 |
| Average total loans | $2,478,041,800 | 319 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7560% | 4,237 |
| Cost of funding earning assets | 0.6090% | 416 |
| Net interest margin | 2.1470% | 4,492 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 3.2753% | 616 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | -0.8825% | 4,702 |
| Return on assets (ROA) | -0.9141% | 4,693 |
| Pretax return on assets | -1.2393% | 4,698 |
| Return on Equity (ROE) | -7.5100% | 4,686 |
| Retained earnings to average equity (ytd only) | -7.5079% | 4,649 |
| Net charge-offs to loans | -0.0167% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 145.6206% | 43 |
| Assets per employee ($millions) | 7.2626% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 900 |
| Loan loss allowance to noncurrent loans | 2,593.4897% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 3,474 |
| Noncurrent loans to loans | 0.0651% | 3,408 |
| Net loans and leases to total assets | 65.1600% | 1,969 |
| Net loans and leases to deposits | 81.6299% | 1,472 |
| Net loans and leases to core deposits | 92.5680% | 1,160 |
| Total domestic deposits to total assets | 79.8200% | 4,116 |
| Equity capital to assets | 12.8988% | 687 |
| Core capital (leverage) ratio | 10.7867% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0360% | 1,701 |
| Memoranda: | ||
| Average total assets | $4,338,204,000 | 297 |
| Average earning assets | $4,158,437,250 | 287 |
| Average equity | $528,179,750 | 260 |
| Average total loans | $2,396,495,500 | 322 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0500% | 4,608 |
| Cost of funding earning assets | 0.3118% | 1,604 |
| Net interest margin | 1.7381% | 4,646 |
| Noninterest income to average assets | 0.1490% | 4,271 |
| Noninterest expense to average assets | 2.7625% | 1,244 |
| Loan and lease loss provision to assets | -0.1059% | 4,604 |
| Net operating income to assets | -0.6395% | 4,695 |
| Return on assets (ROA) | -0.6704% | 4,683 |
| Pretax return on assets | -0.8740% | 4,692 |
| Return on Equity (ROE) | -5.6044% | 4,686 |
| Retained earnings to average equity (ytd only) | -5.6044% | 4,560 |
| Net charge-offs to loans | -0.0250% | 3,974 |
| Credit loss provision to net charge-offs | 815.5172% | 470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.6466% | 43 |
| Assets per employee ($millions) | 10.4164% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,409 |
| Loan loss allowance to noncurrent loans | 2,887.4003% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 3,734 |
| Noncurrent loans to loans | 0.0519% | 3,560 |
| Net loans and leases to total assets | 48.5151% | 3,508 |
| Net loans and leases to deposits | 57.3157% | 3,282 |
| Net loans and leases to core deposits | 62.1805% | 3,100 |
| Total domestic deposits to total assets | 84.6454% | 3,556 |
| Equity capital to assets | 10.7072% | 1,354 |
| Core capital (leverage) ratio | 12.2057% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4525% | 1,312 |
| Memoranda: | ||
| Average total assets | $4,467,314,667 | 290 |
| Average earning assets | $4,299,002,667 | 280 |
| Average equity | $534,367,667 | 257 |
| Average total loans | $2,322,452,000 | 324 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8143% | 4,661 |
| Cost of funding earning assets | 0.2295% | 2,405 |
| Net interest margin | 1.5847% | 4,676 |
| Noninterest income to average assets | 0.1691% | 4,153 |
| Noninterest expense to average assets | 2.4678% | 1,965 |
| Loan and lease loss provision to assets | -0.0922% | 4,588 |
| Net operating income to assets | -0.4909% | 4,701 |
| Return on assets (ROA) | -0.5292% | 4,692 |
| Pretax return on assets | -0.7337% | 4,713 |
| Return on Equity (ROE) | -4.1715% | 4,689 |
| Retained earnings to average equity (ytd only) | -4.1715% | 4,387 |
| Net charge-offs to loans | -0.0336% | 4,129 |
| Credit loss provision to net charge-offs | 512.5654% | 507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.9919% | 45 |
| Assets per employee ($millions) | 10.0460% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 1,170 |
| Loan loss allowance to noncurrent loans | 2,685.8883% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 3,712 |
| Noncurrent loans to loans | 0.0612% | 3,550 |
| Net loans and leases to total assets | 52.4578% | 2,947 |
| Net loans and leases to deposits | 64.3734% | 2,492 |
| Net loans and leases to core deposits | 69.0584% | 2,371 |
| Total domestic deposits to total assets | 81.4899% | 4,151 |
| Equity capital to assets | 12.5159% | 801 |
| Core capital (leverage) ratio | 12.9822% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7723% | 1,319 |
| Memoranda: | ||
| Average total assets | $4,247,900,000 | 303 |
| Average earning assets | $4,077,683,000 | 295 |
| Average equity | $538,897,000 | 259 |
| Average total loans | $2,275,464,000 | 328 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9501% | 4,687 |
| Cost of funding earning assets | 0.2460% | 2,974 |
| Net interest margin | 1.7041% | 4,689 |
| Noninterest income to average assets | 0.2733% | 3,762 |
| Noninterest expense to average assets | 1.8804% | 3,966 |
| Loan and lease loss provision to assets | -0.0249% | 4,248 |
| Net operating income to assets | 0.0362% | 4,666 |
| Return on assets (ROA) | 0.0296% | 4,675 |
| Pretax return on assets | 0.0482% | 4,671 |
| Return on Equity (ROE) | 0.2717% | 4,671 |
| Retained earnings to average equity (ytd only) | -0.4334% | 4,538 |
| Net charge-offs to loans | -0.0323% | 4,153 |
| Credit loss provision to net charge-offs | 135.5649% | 1,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3463% | 165 |
| Assets per employee ($millions) | 11.3951% | 457 |
| Cash dividends to net income (ytd only)* | 259.5156% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 1,078 |
| Loan loss allowance to noncurrent loans | 2,158.0045% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,712 |
| Noncurrent loans to loans | 0.0782% | 3,538 |
| Net loans and leases to total assets | 52.8952% | 2,972 |
| Net loans and leases to deposits | 66.9889% | 2,408 |
| Net loans and leases to core deposits | 72.6729% | 2,194 |
| Total domestic deposits to total assets | 78.9611% | 4,323 |
| Equity capital to assets | 12.8591% | 942 |
| Core capital (leverage) ratio | 13.2587% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8496% | 1,301 |
| Memoranda: | ||
| Average total assets | $3,902,781,000 | 306 |
| Average earning assets | $3,753,016,400 | 298 |
| Average equity | $425,436,200 | 300 |
| Average total loans | $2,222,903,600 | 335 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9942% | 4,763 |
| Cost of funding earning assets | 0.2506% | 3,121 |
| Net interest margin | 1.7435% | 4,761 |
| Noninterest income to average assets | 0.2417% | 3,947 |
| Noninterest expense to average assets | 1.6744% | 4,363 |
| Loan and lease loss provision to assets | -0.0394% | 4,423 |
| Net operating income to assets | 0.2069% | 4,622 |
| Return on assets (ROA) | 0.2008% | 4,648 |
| Pretax return on assets | 0.2742% | 4,611 |
| Return on Equity (ROE) | 1.9378% | 4,599 |
| Retained earnings to average equity (ytd only) | 0.9283% | 4,426 |
| Net charge-offs to loans | -0.0335% | 4,182 |
| Credit loss provision to net charge-offs | 203.6036% | 1,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3472% | 384 |
| Assets per employee ($millions) | 11.6819% | 408 |
| Cash dividends to net income (ytd only)* | 52.0924% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7329% | 1,043 |
| Loan loss allowance to noncurrent loans | 2,439.7815% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 3,888 |
| Noncurrent loans to loans | 0.0710% | 3,737 |
| Net loans and leases to total assets | 55.6745% | 2,768 |
| Net loans and leases to deposits | 68.4280% | 2,403 |
| Net loans and leases to core deposits | 75.0139% | 2,139 |
| Total domestic deposits to total assets | 81.3622% | 4,042 |
| Equity capital to assets | 10.2728% | 2,639 |
| Core capital (leverage) ratio | 10.0635% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8829% | 2,011 |
| Memoranda: | ||
| Average total assets | $3,824,425,500 | 313 |
| Average earning assets | $3,674,488,500 | 304 |
| Average equity | $396,254,250 | 322 |
| Average total loans | $2,211,516,750 | 339 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0005% | 4,805 |
| Cost of funding earning assets | 0.2498% | 3,284 |
| Net interest margin | 1.7506% | 4,800 |
| Noninterest income to average assets | 0.2158% | 4,113 |
| Noninterest expense to average assets | 1.5449% | 4,582 |
| Loan and lease loss provision to assets | 0.0091% | 2,743 |
| Net operating income to assets | 0.2446% | 4,585 |
| Return on assets (ROA) | 0.2378% | 4,611 |
| Pretax return on assets | 0.3370% | 4,551 |
| Return on Equity (ROE) | 2.2883% | 4,567 |
| Retained earnings to average equity (ytd only) | 0.7729% | 4,384 |
| Net charge-offs to loans | -0.0449% | 4,323 |
| Credit loss provision to net charge-offs | -34.7390% | 2,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3246% | 711 |
| Assets per employee ($millions) | 12.3810% | 322 |
| Cash dividends to net income (ytd only)* | 66.2252% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 836 |
| Loan loss allowance to noncurrent loans | 1,365.6914% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 3,700 |
| Noncurrent loans to loans | 0.1343% | 3,518 |
| Net loans and leases to total assets | 55.5562% | 2,957 |
| Net loans and leases to deposits | 66.9167% | 2,733 |
| Net loans and leases to core deposits | 74.2608% | 2,383 |
| Total domestic deposits to total assets | 83.0230% | 3,704 |
| Equity capital to assets | 10.4921% | 2,398 |
| Core capital (leverage) ratio | 10.7686% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8031% | 2,047 |
| Memoranda: | ||
| Average total assets | $3,810,332,000 | 311 |
| Average earning assets | $3,664,946,333 | 301 |
| Average equity | $395,933,000 | 317 |
| Average total loans | $2,218,444,667 | 336 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9466% | 4,847 |
| Cost of funding earning assets | 0.2534% | 3,442 |
| Net interest margin | 1.6932% | 4,839 |
| Noninterest income to average assets | 0.1834% | 4,277 |
| Noninterest expense to average assets | 1.3976% | 4,747 |
| Loan and lease loss provision to assets | 0.0159% | 2,568 |
| Net operating income to assets | 0.2856% | 4,539 |
| Return on assets (ROA) | 0.2691% | 4,589 |
| Pretax return on assets | 0.3773% | 4,521 |
| Return on Equity (ROE) | 2.6023% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.6023% | 3,895 |
| Net charge-offs to loans | -0.0343% | 4,234 |
| Credit loss provision to net charge-offs | -78.3505% | 2,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1445% | 1,028 |
| Assets per employee ($millions) | 12.7459% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 1,003 |
| Loan loss allowance to noncurrent loans | 1,945.1726% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,992 |
| Noncurrent loans to loans | 0.0885% | 3,862 |
| Net loans and leases to total assets | 59.6787% | 2,579 |
| Net loans and leases to deposits | 72.2774% | 2,284 |
| Net loans and leases to core deposits | 82.7489% | 1,776 |
| Total domestic deposits to total assets | 82.5689% | 3,788 |
| Equity capital to assets | 10.6711% | 2,115 |
| Core capital (leverage) ratio | 10.9282% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9475% | 2,307 |
| Memoranda: | ||
| Average total assets | $3,827,393,500 | 307 |
| Average earning assets | $3,680,610,500 | 298 |
| Average equity | $395,797,000 | 313 |
| Average total loans | $2,259,103,000 | 332 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4019% | 4,863 |
| Cost of funding earning assets | 0.4466% | 3,301 |
| Net interest margin | 1.9552% | 4,846 |
| Noninterest income to average assets | 0.1622% | 4,485 |
| Noninterest expense to average assets | 1.2786% | 4,878 |
| Loan and lease loss provision to assets | 0.0856% | 3,299 |
| Net operating income to assets | 0.4820% | 4,066 |
| Return on assets (ROA) | 0.4866% | 4,138 |
| Pretax return on assets | 0.6884% | 3,904 |
| Return on Equity (ROE) | 5.2166% | 3,842 |
| Retained earnings to average equity (ytd only) | 2.8945% | 3,420 |
| Net charge-offs to loans | 0.0098% | 2,966 |
| Credit loss provision to net charge-offs | 1,601.3514% | 521 |
| Earnings coverage of net charge-offs (x) | 143.7703% | 605 |
| Efficiency ratio | 62.4674% | 3,049 |
| Assets per employee ($millions) | 13.3775% | 241 |
| Cash dividends to net income (ytd only)* | 44.5148% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7066% | 1,023 |
| Loan loss allowance to noncurrent loans | 1,542.7542% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,945 |
| Noncurrent loans to loans | 0.1106% | 3,848 |
| Net loans and leases to total assets | 56.4371% | 3,257 |
| Net loans and leases to deposits | 71.0215% | 2,779 |
| Net loans and leases to core deposits | 85.3595% | 1,922 |
| Total domestic deposits to total assets | 79.4648% | 4,146 |
| Equity capital to assets | 10.0290% | 3,106 |
| Core capital (leverage) ratio | 10.2131% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9055% | 2,667 |
| Memoranda: | ||
| Average total assets | $4,155,275,200 | 284 |
| Average earning assets | $4,004,979,400 | 269 |
| Average equity | $387,567,800 | 303 |
| Average total loans | $2,254,756,000 | 316 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4506% | 4,910 |
| Cost of funding earning assets | 0.5010% | 3,216 |
| Net interest margin | 1.9496% | 4,900 |
| Noninterest income to average assets | 0.1428% | 4,593 |
| Noninterest expense to average assets | 1.2387% | 4,927 |
| Loan and lease loss provision to assets | 0.1900% | 2,088 |
| Net operating income to assets | 0.4158% | 4,232 |
| Return on assets (ROA) | 0.4226% | 4,283 |
| Pretax return on assets | 0.6022% | 4,095 |
| Return on Equity (ROE) | 4.6124% | 3,997 |
| Retained earnings to average equity (ytd only) | 1.5024% | 4,084 |
| Net charge-offs to loans | 0.0025% | 3,090 |
| Credit loss provision to net charge-offs | 13,953.4884% | 89 |
| Earnings coverage of net charge-offs (x) | 575.4651% | 208 |
| Efficiency ratio | 61.2501% | 3,185 |
| Assets per employee ($millions) | 14.1251% | 200 |
| Cash dividends to net income (ytd only)* | 67.4258% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 765 |
| Loan loss allowance to noncurrent loans | 500.9981% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 3,350 |
| Noncurrent loans to loans | 0.3544% | 3,020 |
| Net loans and leases to total assets | 56.7655% | 3,545 |
| Net loans and leases to deposits | 72.0459% | 3,124 |
| Net loans and leases to core deposits | 89.9630% | 1,970 |
| Total domestic deposits to total assets | 78.7907% | 4,086 |
| Equity capital to assets | 9.6600% | 3,547 |
| Core capital (leverage) ratio | 9.7810% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3931% | 2,461 |
| Memoranda: | ||
| Average total assets | $4,210,848,250 | 273 |
| Average earning assets | $4,059,285,000 | 260 |
| Average equity | $385,850,250 | 300 |
| Average total loans | $2,253,895,250 | 311 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6689% | 4,945 |
| Cost of funding earning assets | 0.5861% | 3,040 |
| Net interest margin | 2.0828% | 4,924 |
| Noninterest income to average assets | 0.0848% | 4,822 |
| Noninterest expense to average assets | 1.1572% | 4,983 |
| Loan and lease loss provision to assets | 0.1870% | 2,155 |
| Net operating income to assets | 0.5231% | 3,946 |
| Return on assets (ROA) | 0.5332% | 4,005 |
| Pretax return on assets | 0.7653% | 3,688 |
| Return on Equity (ROE) | 5.9191% | 3,542 |
| Retained earnings to average equity (ytd only) | 1.2474% | 4,030 |
| Net charge-offs to loans | -0.0015% | 3,788 |
| Credit loss provision to net charge-offs | -23,529.4118% | 4,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1849% | 4,041 |
| Assets per employee ($millions) | 16.1439% | 139 |
| Cash dividends to net income (ytd only)* | 78.9266% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 853 |
| Loan loss allowance to noncurrent loans | 487.2298% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,591 |
| Noncurrent loans to loans | 0.3446% | 3,163 |
| Net loans and leases to total assets | 50.2801% | 4,152 |
| Net loans and leases to deposits | 61.6832% | 4,022 |
| Net loans and leases to core deposits | 74.1530% | 3,450 |
| Total domestic deposits to total assets | 81.5134% | 3,492 |
| Equity capital to assets | 8.4365% | 4,513 |
| Core capital (leverage) ratio | 9.2887% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3502% | 2,462 |
| Memoranda: | ||
| Average total assets | $4,277,288,000 | 266 |
| Average earning assets | $4,131,787,000 | 254 |
| Average equity | $385,296,333 | 300 |
| Average total loans | $2,232,418,333 | 311 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2962% | 4,814 |
| Cost of funding earning assets | 0.8819% | 1,959 |
| Net interest margin | 2.4143% | 4,868 |
| Noninterest income to average assets | 0.0245% | 5,011 |
| Noninterest expense to average assets | 1.2501% | 5,018 |
| Loan and lease loss provision to assets | 0.1936% | 1,556 |
| Net operating income to assets | 0.6125% | 3,563 |
| Return on assets (ROA) | 0.6262% | 3,585 |
| Pretax return on assets | 0.9320% | 3,047 |
| Return on Equity (ROE) | 6.7161% | 3,060 |
| Retained earnings to average equity (ytd only) | 6.7161% | 1,641 |
| Net charge-offs to loans | 0.0090% | 2,239 |
| Credit loss provision to net charge-offs | 4,081.6327% | 199 |
| Earnings coverage of net charge-offs (x) | 233.6327% | 298 |
| Efficiency ratio | 52.9926% | 4,471 |
| Assets per employee ($millions) | 13.6484% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 918 |
| Loan loss allowance to noncurrent loans | 434.6748% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 3,522 |
| Noncurrent loans to loans | 0.3843% | 3,113 |
| Net loans and leases to total assets | 56.4275% | 3,804 |
| Net loans and leases to deposits | 67.7386% | 3,743 |
| Net loans and leases to core deposits | 85.1771% | 2,742 |
| Total domestic deposits to total assets | 83.3018% | 3,018 |
| Equity capital to assets | 10.0260% | 3,758 |
| Core capital (leverage) ratio | 9.0799% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1526% | 2,635 |
| Memoranda: | ||
| Average total assets | $4,131,576,000 | 266 |
| Average earning assets | $3,994,065,000 | 255 |
| Average equity | $385,224,500 | 301 |
| Average total loans | $2,180,440,500 | 309 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 4,577 |
| Cost of funding earning assets | 1.4407% | 483 |
| Net interest margin | 2.3488% | 5,021 |
| Noninterest income to average assets | 0.1418% | 4,766 |
| Noninterest expense to average assets | 1.3446% | 5,060 |
| Loan and lease loss provision to assets | 0.0556% | 2,915 |
| Net operating income to assets | 0.7202% | 3,797 |
| Return on assets (ROA) | 0.7264% | 3,848 |
| Pretax return on assets | 1.0275% | 3,395 |
| Return on Equity (ROE) | 8.1266% | 3,110 |
| Retained earnings to average equity (ytd only) | 6.1534% | 1,792 |
| Net charge-offs to loans | 0.0396% | 2,595 |
| Credit loss provision to net charge-offs | 283.9506% | 990 |
| Earnings coverage of net charge-offs (x) | 54.9407% | 1,045 |
| Efficiency ratio | 55.5325% | 4,266 |
| Assets per employee ($millions) | 15.3392% | 114 |
| Cash dividends to net income (ytd only)* | 24.2807% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6478% | 889 |
| Loan loss allowance to noncurrent loans | 3,492.5595% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 4,543 |
| Noncurrent loans to loans | 0.0472% | 4,365 |
| Net loans and leases to total assets | 47.8985% | 4,434 |
| Net loans and leases to deposits | 55.7385% | 4,466 |
| Net loans and leases to core deposits | 66.9195% | 4,138 |
| Total domestic deposits to total assets | 85.9343% | 2,091 |
| Equity capital to assets | 8.7036% | 4,825 |
| Core capital (leverage) ratio | 8.5442% | 4,820 |
| Tier 1 risk-based capital ratio | 12.6988% | 3,951 |
| Total risk-based capital ratio | 13.9374% | 3,835 |
| Memoranda: | ||
| Average total assets | $4,138,907,800 | 260 |
| Average earning assets | $4,014,147,600 | 246 |
| Average equity | $369,959,800 | 301 |
| Average total loans | $2,045,951,200 | 318 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 4,435 |
| Cost of funding earning assets | 1.5632% | 338 |
| Net interest margin | 2.3979% | 5,106 |
| Noninterest income to average assets | 0.1389% | 4,839 |
| Noninterest expense to average assets | 1.3013% | 5,144 |
| Loan and lease loss provision to assets | 0.0654% | 2,582 |
| Net operating income to assets | 0.7672% | 3,783 |
| Return on assets (ROA) | 0.7770% | 3,818 |
| Pretax return on assets | 1.1091% | 3,268 |
| Return on Equity (ROE) | 8.6317% | 3,040 |
| Retained earnings to average equity (ytd only) | 5.9796% | 2,381 |
| Net charge-offs to loans | 0.0470% | 2,163 |
| Credit loss provision to net charge-offs | 280.5049% | 997 |
| Earnings coverage of net charge-offs (x) | 49.8389% | 1,197 |
| Efficiency ratio | 52.7905% | 4,528 |
| Assets per employee ($millions) | 15.8727% | 105 |
| Cash dividends to net income (ytd only)* | 30.7252% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 860 |
| Loan loss allowance to noncurrent loans | 1,409.0982% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 4,431 |
| Noncurrent loans to loans | 0.1189% | 4,122 |
| Net loans and leases to total assets | 45.7367% | 4,617 |
| Net loans and leases to deposits | 52.7116% | 4,682 |
| Net loans and leases to core deposits | 62.2013% | 4,448 |
| Total domestic deposits to total assets | 86.7677% | 1,643 |
| Equity capital to assets | 8.3611% | 5,045 |
| Core capital (leverage) ratio | 8.1578% | 5,071 |
| Tier 1 risk-based capital ratio | 12.8099% | 3,952 |
| Total risk-based capital ratio | 14.0601% | 3,846 |
| Memoranda: | ||
| Average total assets | $4,076,884,750 | 266 |
| Average earning assets | $3,952,229,250 | 253 |
| Average equity | $366,993,000 | 309 |
| Average total loans | $2,023,311,250 | 326 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 4,148 |
| Cost of funding earning assets | 1.6001% | 267 |
| Net interest margin | 2.5039% | 5,127 |
| Noninterest income to average assets | 0.1570% | 4,796 |
| Noninterest expense to average assets | 1.3696% | 5,175 |
| Loan and lease loss provision to assets | 0.0508% | 2,803 |
| Net operating income to assets | 0.8185% | 3,591 |
| Return on assets (ROA) | 0.8303% | 3,606 |
| Pretax return on assets | 1.1769% | 2,994 |
| Return on Equity (ROE) | 8.9803% | 2,864 |
| Retained earnings to average equity (ytd only) | 4.9707% | 2,783 |
| Net charge-offs to loans | 0.0020% | 3,107 |
| Credit loss provision to net charge-offs | 5,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 1,194.1500% | 58 |
| Efficiency ratio | 53.0027% | 4,565 |
| Assets per employee ($millions) | 17.2665% | 76 |
| Cash dividends to net income (ytd only)* | 44.6483% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 872 |
| Loan loss allowance to noncurrent loans | 1,439.6266% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 4,509 |
| Noncurrent loans to loans | 0.1160% | 4,155 |
| Net loans and leases to total assets | 43.1971% | 4,748 |
| Net loans and leases to deposits | 49.4819% | 4,819 |
| Net loans and leases to core deposits | 59.1548% | 4,605 |
| Total domestic deposits to total assets | 87.2987% | 1,444 |
| Equity capital to assets | 7.7800% | 5,209 |
| Core capital (leverage) ratio | 8.3316% | 5,046 |
| Tier 1 risk-based capital ratio | 12.7744% | 3,960 |
| Total risk-based capital ratio | 14.0247% | 3,867 |
| Memoranda: | ||
| Average total assets | $3,938,518,670 | 273 |
| Average earning assets | $3,814,936,330 | 260 |
| Average equity | $364,130,670 | 311 |
| Average total loans | $2,001,252,670 | 331 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 2,900 |
| Cost of funding earning assets | 1.7128% | 154 |
| Net interest margin | 2.7792% | 5,006 |
| Noninterest income to average assets | 0.1964% | 4,585 |
| Noninterest expense to average assets | 1.4836% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9756% | 2,944 |
| Return on assets (ROA) | 0.9878% | 2,934 |
| Pretax return on assets | 1.4139% | 2,036 |
| Return on Equity (ROE) | 9.6620% | 2,517 |
| Retained earnings to average equity (ytd only) | 9.6620% | 1,119 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4419% | 4,733 |
| Assets per employee ($millions) | 15.9765% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 920 |
| Loan loss allowance to noncurrent loans | 1,581.3790% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 4,579 |
| Noncurrent loans to loans | 0.1056% | 4,262 |
| Net loans and leases to total assets | 46.3641% | 4,653 |
| Net loans and leases to deposits | 53.8431% | 4,683 |
| Net loans and leases to core deposits | 62.5954% | 4,446 |
| Total domestic deposits to total assets | 86.1098% | 2,228 |
| Equity capital to assets | 8.5656% | 4,948 |
| Core capital (leverage) ratio | 8.6823% | 4,886 |
| Tier 1 risk-based capital ratio | 13.1493% | 3,801 |
| Total risk-based capital ratio | 14.3996% | 3,708 |
| Memoranda: | ||
| Average total assets | $3,542,272,000 | 292 |
| Average earning assets | $3,423,009,000 | 278 |
| Average equity | $362,160,500 | 314 |
| Average total loans | $1,962,702,000 | 338 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 3,835 |
| Cost of funding earning assets | 0.9420% | 959 |
| Net interest margin | 3.1298% | 4,608 |
| Noninterest income to average assets | 0.1630% | 4,907 |
| Noninterest expense to average assets | 1.8008% | 5,001 |
| Loan and lease loss provision to assets | 0.0381% | 3,445 |
| Net operating income to assets | 0.9322% | 3,317 |
| Return on assets (ROA) | 0.9322% | 3,309 |
| Pretax return on assets | 1.3298% | 2,401 |
| Return on Equity (ROE) | 7.0996% | 3,789 |
| Retained earnings to average equity (ytd only) | 7.0996% | 1,626 |
| Net charge-offs to loans | 0.0420% | 2,574 |
| Credit loss provision to net charge-offs | 128.3697% | 2,055 |
| Earnings coverage of net charge-offs (x) | 46.0770% | 1,193 |
| Efficiency ratio | 56.7887% | 4,309 |
| Assets per employee ($millions) | 10.4195% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 726 |
| Loan loss allowance to noncurrent loans | 1,806.8060% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,500 |
| Noncurrent loans to loans | 0.0979% | 4,299 |
| Net loans and leases to total assets | 66.8178% | 3,026 |
| Net loans and leases to deposits | 82.6976% | 2,651 |
| Net loans and leases to core deposits | 108.0652% | 1,112 |
| Total domestic deposits to total assets | 80.7978% | 3,935 |
| Equity capital to assets | 12.7573% | 1,458 |
| Core capital (leverage) ratio | 13.1783% | 1,183 |
| Tier 1 risk-based capital ratio | 12.9630% | 3,862 |
| Total risk-based capital ratio | 14.2135% | 3,753 |
| Memoranda: | ||
| Average total assets | $2,623,935,800 | 349 |
| Average earning assets | $2,519,945,600 | 336 |
| Average equity | $344,527,400 | 319 |
| Average total loans | $1,853,940,000 | 348 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 3,988 |
| Cost of funding earning assets | 0.8625% | 1,064 |
| Net interest margin | 3.1166% | 4,676 |
| Noninterest income to average assets | 0.2131% | 4,692 |
| Noninterest expense to average assets | 1.8688% | 4,954 |
| Loan and lease loss provision to assets | 0.0258% | 3,498 |
| Net operating income to assets | 0.9175% | 3,448 |
| Return on assets (ROA) | 0.9175% | 3,455 |
| Pretax return on assets | 1.3114% | 2,575 |
| Return on Equity (ROE) | 6.9340% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.9340% | 2,160 |
| Net charge-offs to loans | 0.0564% | 2,008 |
| Credit loss provision to net charge-offs | 64.1849% | 2,693 |
| Earnings coverage of net charge-offs (x) | 33.2080% | 1,520 |
| Efficiency ratio | 58.2473% | 4,078 |
| Assets per employee ($millions) | 9.6578% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 732 |
| Loan loss allowance to noncurrent loans | 488.8873% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 3,639 |
| Noncurrent loans to loans | 0.3674% | 3,327 |
| Net loans and leases to total assets | 70.1659% | 2,619 |
| Net loans and leases to deposits | 88.0098% | 2,152 |
| Net loans and leases to core deposits | 113.4646% | 846 |
| Total domestic deposits to total assets | 79.7251% | 4,170 |
| Equity capital to assets | 13.5080% | 1,131 |
| Core capital (leverage) ratio | 13.4075% | 1,137 |
| Tier 1 risk-based capital ratio | 13.3761% | 3,693 |
| Total risk-based capital ratio | 14.6273% | 3,620 |
| Memoranda: | ||
| Average total assets | $2,579,207,250 | 351 |
| Average earning assets | $2,476,877,000 | 338 |
| Average equity | $341,267,250 | 317 |
| Average total loans | $1,840,795,500 | 349 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 4,161 |
| Cost of funding earning assets | 0.7836% | 1,206 |
| Net interest margin | 3.0845% | 4,759 |
| Noninterest income to average assets | 0.2108% | 4,752 |
| Noninterest expense to average assets | 1.8407% | 5,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9350% | 3,305 |
| Return on assets (ROA) | 0.9350% | 3,308 |
| Pretax return on assets | 1.3338% | 2,382 |
| Return on Equity (ROE) | 7.1165% | 3,870 |
| Retained earnings to average equity (ytd only) | 7.1165% | 2,022 |
| Net charge-offs to loans | -0.0061% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9433% | 4,241 |
| Assets per employee ($millions) | 9.3697% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 770 |
| Loan loss allowance to noncurrent loans | 432.4568% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 3,535 |
| Noncurrent loans to loans | 0.4138% | 3,214 |
| Net loans and leases to total assets | 73.0581% | 2,105 |
| Net loans and leases to deposits | 90.4800% | 1,785 |
| Net loans and leases to core deposits | 124.7375% | 441 |
| Total domestic deposits to total assets | 80.7450% | 4,065 |
| Equity capital to assets | 13.6527% | 1,050 |
| Core capital (leverage) ratio | 13.5428% | 1,053 |
| Tier 1 risk-based capital ratio | 13.3628% | 3,699 |
| Total risk-based capital ratio | 14.6144% | 3,619 |
| Memoranda: | ||
| Average total assets | $2,576,178,670 | 352 |
| Average earning assets | $2,475,311,330 | 340 |
| Average equity | $338,480,670 | 317 |
| Average total loans | $1,837,956,000 | 350 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 4,607 |
| Cost of funding earning assets | 0.7027% | 1,424 |
| Net interest margin | 2.9425% | 4,970 |
| Noninterest income to average assets | 0.2679% | 4,380 |
| Noninterest expense to average assets | 1.8405% | 5,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8814% | 3,370 |
| Return on assets (ROA) | 0.8814% | 3,383 |
| Pretax return on assets | 1.2580% | 2,520 |
| Return on Equity (ROE) | 6.8377% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.8377% | 2,349 |
| Net charge-offs to loans | -0.0123% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3546% | 4,159 |
| Assets per employee ($millions) | 9.8217% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8266% | 742 |
| Loan loss allowance to noncurrent loans | 8,558.6735% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 5,048 |
| Noncurrent loans to loans | 0.0213% | 4,885 |
| Net loans and leases to total assets | 70.8849% | 2,348 |
| Net loans and leases to deposits | 87.7318% | 1,965 |
| Net loans and leases to core deposits | 132.9360% | 294 |
| Total domestic deposits to total assets | 80.7974% | 4,248 |
| Equity capital to assets | 13.2852% | 1,121 |
| Core capital (leverage) ratio | 13.1865% | 1,108 |
| Tier 1 risk-based capital ratio | 12.9596% | 3,968 |
| Total risk-based capital ratio | 14.2109% | 3,868 |
| Memoranda: | ||
| Average total assets | $2,604,050,000 | 355 |
| Average earning assets | $2,505,065,000 | 340 |
| Average equity | $335,667,000 | 322 |
| Average total loans | $1,819,468,000 | 351 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 4,999 |
| Cost of funding earning assets | 0.5608% | 1,880 |
| Net interest margin | 2.7980% | 5,169 |
| Noninterest income to average assets | 0.1987% | 4,951 |
| Noninterest expense to average assets | 1.7685% | 5,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3839% | 4,744 |
| Return on assets (ROA) | 0.3839% | 4,758 |
| Pretax return on assets | 1.1151% | 3,122 |
| Return on Equity (ROE) | 3.0220% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.0220% | 3,491 |
| Net charge-offs to loans | -0.0073% | 4,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2834% | 4,055 |
| Assets per employee ($millions) | 10.4074% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 698 |
| Loan loss allowance to noncurrent loans | 8,394.4862% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,082 |
| Noncurrent loans to loans | 0.0221% | 4,914 |
| Net loans and leases to total assets | 66.3859% | 3,049 |
| Net loans and leases to deposits | 84.2660% | 2,464 |
| Net loans and leases to core deposits | 139.0441% | 223 |
| Total domestic deposits to total assets | 78.7814% | 4,583 |
| Equity capital to assets | 12.5131% | 1,513 |
| Core capital (leverage) ratio | 12.6612% | 1,279 |
| Tier 1 risk-based capital ratio | 12.3563% | 4,290 |
| Total risk-based capital ratio | 13.6071% | 4,202 |
| Memoranda: | ||
| Average total assets | $2,599,532,000 | 336 |
| Average earning assets | $2,494,491,800 | 323 |
| Average equity | $330,242,800 | 311 |
| Average total loans | $1,823,639,800 | 335 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3127% | 5,103 |
| Cost of funding earning assets | 0.5313% | 2,025 |
| Net interest margin | 2.7814% | 5,249 |
| Noninterest income to average assets | 0.1958% | 5,031 |
| Noninterest expense to average assets | 1.7708% | 5,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6284% | 4,281 |
| Return on assets (ROA) | 0.6284% | 4,331 |
| Pretax return on assets | 1.0910% | 3,335 |
| Return on Equity (ROE) | 4.9276% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.9276% | 2,934 |
| Net charge-offs to loans | -0.0042% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8298% | 3,914 |
| Assets per employee ($millions) | 9.5296% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 737 |
| Loan loss allowance to noncurrent loans | 9,520.5128% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,188 |
| Noncurrent loans to loans | 0.0197% | 5,047 |
| Net loans and leases to total assets | 70.5915% | 2,473 |
| Net loans and leases to deposits | 86.9719% | 2,189 |
| Net loans and leases to core deposits | 145.3574% | 153 |
| Total domestic deposits to total assets | 81.1658% | 4,003 |
| Equity capital to assets | 13.5603% | 1,128 |
| Core capital (leverage) ratio | 13.3739% | 1,075 |
| Tier 1 risk-based capital ratio | 13.6670% | 3,604 |
| Total risk-based capital ratio | 14.9193% | 3,530 |
| Memoranda: | ||
| Average total assets | $2,583,342,750 | 341 |
| Average earning assets | $2,476,150,500 | 323 |
| Average equity | $329,457,500 | 309 |
| Average total loans | $1,828,998,000 | 335 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2100% | 5,223 |
| Cost of funding earning assets | 0.4924% | 2,236 |
| Net interest margin | 2.7175% | 5,343 |
| Noninterest income to average assets | 0.1871% | 5,117 |
| Noninterest expense to average assets | 1.7617% | 5,355 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5959% | 4,326 |
| Return on assets (ROA) | 0.5959% | 4,372 |
| Pretax return on assets | 1.0312% | 3,443 |
| Return on Equity (ROE) | 4.7677% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.7677% | 2,874 |
| Net charge-offs to loans | -0.0001% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0312% | 3,822 |
| Assets per employee ($millions) | 9.9972% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8242% | 845 |
| Loan loss allowance to noncurrent loans | 2,389.7564% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 5,002 |
| Noncurrent loans to loans | 0.0763% | 4,828 |
| Net loans and leases to total assets | 69.6101% | 2,583 |
| Net loans and leases to deposits | 87.7972% | 2,010 |
| Net loans and leases to core deposits | 144.4192% | 157 |
| Total domestic deposits to total assets | 79.2852% | 4,566 |
| Equity capital to assets | 12.8492% | 1,444 |
| Core capital (leverage) ratio | 12.6920% | 1,297 |
| Tier 1 risk-based capital ratio | 12.7936% | 4,128 |
| Total risk-based capital ratio | 14.0450% | 4,032 |
| Memoranda: | ||
| Average total assets | $2,618,561,000 | 340 |
| Average earning assets | $2,510,799,000 | 324 |
| Average equity | $327,283,000 | 310 |
| Average total loans | $1,844,513,000 | 334 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1157% | 5,351 |
| Cost of funding earning assets | 0.4494% | 2,531 |
| Net interest margin | 2.6663% | 5,427 |
| Noninterest income to average assets | 0.2065% | 5,035 |
| Noninterest expense to average assets | 1.7078% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6087% | 4,120 |
| Return on assets (ROA) | 0.6087% | 4,173 |
| Pretax return on assets | 1.0569% | 3,148 |
| Return on Equity (ROE) | 4.9383% | 4,421 |
| Retained earnings to average equity (ytd only) | 4.9383% | 2,926 |
| Net charge-offs to loans | -0.0002% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7220% | 4,193 |
| Assets per employee ($millions) | 10.3218% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 909 |
| Loan loss allowance to noncurrent loans | 2,426.2545% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 5,097 |
| Noncurrent loans to loans | 0.0754% | 4,899 |
| Net loans and leases to total assets | 67.2273% | 2,782 |
| Net loans and leases to deposits | 82.1224% | 2,496 |
| Net loans and leases to core deposits | 137.7557% | 190 |
| Total domestic deposits to total assets | 81.8624% | 4,204 |
| Equity capital to assets | 12.2924% | 1,668 |
| Core capital (leverage) ratio | 12.5634% | 1,308 |
| Tier 1 risk-based capital ratio | 12.5478% | 4,362 |
| Total risk-based capital ratio | 13.7992% | 4,264 |
| Memoranda: | ||
| Average total assets | $2,638,197,500 | 340 |
| Average earning assets | $2,531,280,500 | 329 |
| Average equity | $325,215,000 | 312 |
| Average total loans | $1,852,366,000 | 335 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0770% | 5,430 |
| Cost of funding earning assets | 0.3971% | 3,024 |
| Net interest margin | 2.6798% | 5,442 |
| Noninterest income to average assets | 0.1727% | 5,355 |
| Noninterest expense to average assets | 1.7064% | 5,561 |
| Loan and lease loss provision to assets | 0.0959% | 2,448 |
| Net operating income to assets | 0.5389% | 4,486 |
| Return on assets (ROA) | 0.5389% | 4,573 |
| Pretax return on assets | 0.9429% | 3,681 |
| Return on Equity (ROE) | 4.4404% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.4404% | 2,754 |
| Net charge-offs to loans | -0.0100% | 4,937 |
| Credit loss provision to net charge-offs | -1,329.7872% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1117% | 4,225 |
| Assets per employee ($millions) | 10.0903% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 993 |
| Loan loss allowance to noncurrent loans | 9,811.7647% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 5,348 |
| Noncurrent loans to loans | 0.0181% | 5,205 |
| Net loans and leases to total assets | 70.7030% | 2,382 |
| Net loans and leases to deposits | 87.4677% | 1,992 |
| Net loans and leases to core deposits | 154.6734% | 97 |
| Total domestic deposits to total assets | 80.8333% | 4,380 |
| Equity capital to assets | 12.3626% | 1,599 |
| Core capital (leverage) ratio | 11.7093% | 1,785 |
| Tier 1 risk-based capital ratio | 12.4859% | 4,381 |
| Total risk-based capital ratio | 13.7373% | 4,273 |
| Memoranda: | ||
| Average total assets | $2,608,220,200 | 332 |
| Average earning assets | $2,503,699,400 | 317 |
| Average equity | $316,567,400 | 312 |
| Average total loans | $1,874,023,400 | 320 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0444% | 5,533 |
| Cost of funding earning assets | 0.3857% | 3,167 |
| Net interest margin | 2.6587% | 5,537 |
| Noninterest income to average assets | 0.1732% | 5,407 |
| Noninterest expense to average assets | 1.7488% | 5,577 |
| Loan and lease loss provision to assets | 0.1023% | 2,207 |
| Net operating income to assets | 0.5045% | 4,685 |
| Return on assets (ROA) | 0.5045% | 4,783 |
| Pretax return on assets | 0.8749% | 4,065 |
| Return on Equity (ROE) | 4.1759% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.1759% | 3,348 |
| Net charge-offs to loans | -0.0196% | 5,000 |
| Credit loss provision to net charge-offs | -727.2727% | 5,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1039% | 3,916 |
| Assets per employee ($millions) | 10.5271% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 1,187 |
| Loan loss allowance to noncurrent loans | 2,161.8766% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 5,231 |
| Noncurrent loans to loans | 0.0792% | 5,034 |
| Net loans and leases to total assets | 69.3227% | 2,594 |
| Net loans and leases to deposits | 85.1584% | 2,347 |
| Net loans and leases to core deposits | 143.8624% | 163 |
| Total domestic deposits to total assets | 81.4044% | 4,134 |
| Equity capital to assets | 11.7538% | 2,300 |
| Core capital (leverage) ratio | 12.2127% | 1,537 |
| Tier 1 risk-based capital ratio | 12.0763% | 4,741 |
| Total risk-based capital ratio | 13.3295% | 4,645 |
| Memoranda: | ||
| Average total assets | $2,606,930,000 | 333 |
| Average earning assets | $2,503,141,500 | 315 |
| Average equity | $314,938,750 | 313 |
| Average total loans | $1,872,254,750 | 316 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0903% | 5,559 |
| Cost of funding earning assets | 0.3914% | 3,141 |
| Net interest margin | 2.6989% | 5,570 |
| Noninterest income to average assets | 0.1721% | 5,463 |
| Noninterest expense to average assets | 1.7905% | 5,605 |
| Loan and lease loss provision to assets | 0.0779% | 2,586 |
| Net operating income to assets | 0.5164% | 4,616 |
| Return on assets (ROA) | 0.5164% | 4,731 |
| Pretax return on assets | 0.8956% | 3,967 |
| Return on Equity (ROE) | 4.2339% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.2339% | 3,212 |
| Net charge-offs to loans | -0.0251% | 5,045 |
| Credit loss provision to net charge-offs | -429.1845% | 4,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7321% | 3,893 |
| Assets per employee ($millions) | 9.6773% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 1,249 |
| Loan loss allowance to noncurrent loans | 2,237.3773% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 5,333 |
| Noncurrent loans to loans | 0.0765% | 5,145 |
| Net loans and leases to total assets | 72.2414% | 2,127 |
| Net loans and leases to deposits | 93.4809% | 1,343 |
| Net loans and leases to core deposits | 171.5801% | 66 |
| Total domestic deposits to total assets | 77.2793% | 5,121 |
| Equity capital to assets | 12.5103% | 1,764 |
| Core capital (leverage) ratio | 11.9299% | 1,683 |
| Tier 1 risk-based capital ratio | 12.5903% | 4,455 |
| Total risk-based capital ratio | 13.8449% | 4,365 |
| Memoranda: | ||
| Average total assets | $2,567,063,000 | 333 |
| Average earning assets | $2,465,277,330 | 316 |
| Average equity | $313,094,330 | 309 |
| Average total loans | $1,855,322,330 | 315 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0923% | 5,613 |
| Cost of funding earning assets | 0.3821% | 3,274 |
| Net interest margin | 2.7102% | 5,605 |
| Noninterest income to average assets | 0.1843% | 5,398 |
| Noninterest expense to average assets | 1.7721% | 5,677 |
| Loan and lease loss provision to assets | 0.1549% | 1,358 |
| Net operating income to assets | 0.4967% | 4,641 |
| Return on assets (ROA) | 0.4967% | 4,738 |
| Pretax return on assets | 0.8614% | 3,997 |
| Return on Equity (ROE) | 4.1242% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.1242% | 3,425 |
| Net charge-offs to loans | -0.0266% | 5,006 |
| Credit loss provision to net charge-offs | -813.0081% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5046% | 4,217 |
| Assets per employee ($millions) | 9.5159% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7283% | 1,291 |
| Loan loss allowance to noncurrent loans | 1,883.5900% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 5,339 |
| Noncurrent loans to loans | 0.0918% | 5,107 |
| Net loans and leases to total assets | 70.1037% | 2,325 |
| Net loans and leases to deposits | 84.6217% | 2,232 |
| Net loans and leases to core deposits | 147.1198% | 121 |
| Total domestic deposits to total assets | 82.8436% | 3,953 |
| Equity capital to assets | 12.1486% | 1,921 |
| Core capital (leverage) ratio | 11.9002% | 1,678 |
| Tier 1 risk-based capital ratio | 12.5161% | 4,564 |
| Total risk-based capital ratio | 13.7694% | 4,474 |
| Memoranda: | ||
| Average total assets | $2,582,867,500 | 330 |
| Average earning assets | $2,481,767,000 | 311 |
| Average equity | $311,045,500 | 309 |
| Average total loans | $1,851,207,500 | 315 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8435% | 5,853 |
| Cost of funding earning assets | 0.2863% | 4,404 |
| Net interest margin | 2.5572% | 5,791 |
| Noninterest income to average assets | 0.2949% | 4,775 |
| Noninterest expense to average assets | 1.7773% | 5,765 |
| Loan and lease loss provision to assets | 0.0791% | 2,698 |
| Net operating income to assets | 0.5206% | 4,615 |
| Return on assets (ROA) | 0.5206% | 4,695 |
| Pretax return on assets | 0.8983% | 3,842 |
| Return on Equity (ROE) | 4.3403% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.3403% | 2,890 |
| Net charge-offs to loans | -0.0027% | 4,900 |
| Credit loss provision to net charge-offs | -4,166.6667% | 5,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4692% | 4,174 |
| Assets per employee ($millions) | 9.7253% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 1,484 |
| Loan loss allowance to noncurrent loans | 1,152.2164% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 5,194 |
| Noncurrent loans to loans | 0.1429% | 4,920 |
| Net loans and leases to total assets | 70.8218% | 2,243 |
| Net loans and leases to deposits | 88.2689% | 1,845 |
| Net loans and leases to core deposits | 161.7502% | 72 |
| Total domestic deposits to total assets | 80.2342% | 4,694 |
| Equity capital to assets | 11.9371% | 2,006 |
| Core capital (leverage) ratio | 12.0652% | 1,579 |
| Tier 1 risk-based capital ratio | 13.2476% | 4,137 |
| Total risk-based capital ratio | 14.4994% | 4,079 |
| Memoranda: | ||
| Average total assets | $2,528,616,000 | 315 |
| Average earning assets | $2,432,356,000 | 300 |
| Average equity | $303,294,400 | 302 |
| Average total loans | $1,793,536,000 | 307 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8636% | 5,922 |
| Cost of funding earning assets | 0.2853% | 4,500 |
| Net interest margin | 2.5784% | 5,857 |
| Noninterest income to average assets | 0.3375% | 4,527 |
| Noninterest expense to average assets | 1.7750% | 5,813 |
| Loan and lease loss provision to assets | 0.0530% | 3,135 |
| Net operating income to assets | 0.5699% | 4,528 |
| Return on assets (ROA) | 0.5699% | 4,613 |
| Pretax return on assets | 0.9905% | 3,649 |
| Return on Equity (ROE) | 4.7456% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.7456% | 3,095 |
| Net charge-offs to loans | -0.0032% | 4,756 |
| Credit loss provision to net charge-offs | -2,380.9524% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9267% | 4,416 |
| Assets per employee ($millions) | 9.5767% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6562% | 1,593 |
| Loan loss allowance to noncurrent loans | 850.0287% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 5,201 |
| Noncurrent loans to loans | 0.1948% | 4,868 |
| Net loans and leases to total assets | 70.2078% | 2,358 |
| Net loans and leases to deposits | 88.1887% | 1,875 |
| Net loans and leases to core deposits | 157.5958% | 81 |
| Total domestic deposits to total assets | 79.6109% | 4,829 |
| Equity capital to assets | 12.2562% | 1,902 |
| Core capital (leverage) ratio | 12.2673% | 1,531 |
| Tier 1 risk-based capital ratio | 13.5742% | 4,100 |
| Total risk-based capital ratio | 14.8276% | 4,020 |
| Memoranda: | ||
| Average total assets | $2,514,038,250 | 323 |
| Average earning assets | $2,419,142,000 | 306 |
| Average equity | $301,917,250 | 306 |
| Average total loans | $1,776,224,750 | 312 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8272% | 5,997 |
| Cost of funding earning assets | 0.2923% | 4,476 |
| Net interest margin | 2.5349% | 5,931 |
| Noninterest income to average assets | 0.3271% | 4,605 |
| Noninterest expense to average assets | 1.7931% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5611% | 4,514 |
| Return on assets (ROA) | 0.5611% | 4,620 |
| Pretax return on assets | 0.9752% | 3,676 |
| Return on Equity (ROE) | 4.7045% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.7045% | 3,051 |
| Net charge-offs to loans | -0.0038% | 4,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7235% | 4,237 |
| Assets per employee ($millions) | 9.9578% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,959 |
| Loan loss allowance to noncurrent loans | 2,492.0000% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 5,682 |
| Noncurrent loans to loans | 0.0636% | 5,478 |
| Net loans and leases to total assets | 69.8228% | 2,340 |
| Net loans and leases to deposits | 89.3629% | 1,680 |
| Net loans and leases to core deposits | 153.8020% | 92 |
| Total domestic deposits to total assets | 78.1340% | 5,255 |
| Equity capital to assets | 11.8969% | 2,109 |
| Core capital (leverage) ratio | 12.0017% | 1,662 |
| Tier 1 risk-based capital ratio | 13.3640% | 4,300 |
| Total risk-based capital ratio | 14.6152% | 4,231 |
| Memoranda: | ||
| Average total assets | $2,515,686,000 | 324 |
| Average earning assets | $2,422,788,670 | 304 |
| Average equity | $300,050,000 | 310 |
| Average total loans | $1,771,217,330 | 310 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7505% | 6,100 |
| Cost of funding earning assets | 0.3036% | 4,403 |
| Net interest margin | 2.4469% | 6,072 |
| Noninterest income to average assets | 0.2087% | 5,458 |
| Noninterest expense to average assets | 1.7859% | 5,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4500% | 4,874 |
| Return on assets (ROA) | 0.4500% | 4,989 |
| Pretax return on assets | 0.7821% | 4,307 |
| Return on Equity (ROE) | 3.7676% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.7676% | 3,748 |
| Net charge-offs to loans | -0.0011% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4883% | 3,580 |
| Assets per employee ($millions) | 10.0689% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 2,018 |
| Loan loss allowance to noncurrent loans | 1,790.4315% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 5,683 |
| Noncurrent loans to loans | 0.0899% | 5,423 |
| Net loans and leases to total assets | 68.6791% | 2,334 |
| Net loans and leases to deposits | 85.7426% | 1,861 |
| Net loans and leases to core deposits | 144.1368% | 129 |
| Total domestic deposits to total assets | 80.0992% | 5,028 |
| Equity capital to assets | 11.7843% | 2,209 |
| Core capital (leverage) ratio | 12.1576% | 1,543 |
| Tier 1 risk-based capital ratio | 13.2948% | 4,436 |
| Total risk-based capital ratio | 14.5487% | 4,349 |
| Memoranda: | ||
| Average total assets | $2,498,933,000 | 326 |
| Average earning assets | $2,409,417,000 | 304 |
| Average equity | $298,437,000 | 309 |
| Average total loans | $1,752,538,500 | 310 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7615% | 6,227 |
| Cost of funding earning assets | 0.3453% | 4,301 |
| Net interest margin | 2.4162% | 6,216 |
| Noninterest income to average assets | 0.3249% | 4,797 |
| Noninterest expense to average assets | 1.8410% | 6,017 |
| Loan and lease loss provision to assets | 0.1259% | 2,082 |
| Net operating income to assets | 0.3976% | 5,233 |
| Return on assets (ROA) | 0.3976% | 5,297 |
| Pretax return on assets | 0.6867% | 4,670 |
| Return on Equity (ROE) | 3.2534% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.2534% | 3,912 |
| Net charge-offs to loans | -0.1041% | 6,120 |
| Credit loss provision to net charge-offs | -174.3173% | 5,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3247% | 3,653 |
| Assets per employee ($millions) | 9.8018% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 1,908 |
| Loan loss allowance to noncurrent loans | 1,028.1609% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 5,576 |
| Noncurrent loans to loans | 0.1612% | 5,249 |
| Net loans and leases to total assets | 69.3049% | 2,337 |
| Net loans and leases to deposits | 86.0743% | 1,973 |
| Net loans and leases to core deposits | 142.3077% | 147 |
| Total domestic deposits to total assets | 80.5174% | 4,877 |
| Equity capital to assets | 12.1071% | 1,942 |
| Core capital (leverage) ratio | 12.2433% | 1,479 |
| Tier 1 risk-based capital ratio | 14.4023% | 3,830 |
| Total risk-based capital ratio | 15.6553% | 3,767 |
| Memoranda: | ||
| Average total assets | $2,383,386,600 | 317 |
| Average earning assets | $2,296,950,200 | 297 |
| Average equity | $291,264,600 | 300 |
| Average total loans | $1,653,053,000 | 307 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7475% | 6,310 |
| Cost of funding earning assets | 0.3471% | 4,372 |
| Net interest margin | 2.4004% | 6,296 |
| Noninterest income to average assets | 0.3576% | 4,577 |
| Noninterest expense to average assets | 1.7514% | 6,154 |
| Loan and lease loss provision to assets | 0.0845% | 2,665 |
| Net operating income to assets | 0.4794% | 4,949 |
| Return on assets (ROA) | 0.4794% | 5,031 |
| Pretax return on assets | 0.8350% | 4,241 |
| Return on Equity (ROE) | 3.9133% | 5,204 |
| Retained earnings to average equity (ytd only) | 3.9133% | 3,860 |
| Net charge-offs to loans | -0.1446% | 6,228 |
| Credit loss provision to net charge-offs | -84.6024% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5178% | 4,293 |
| Assets per employee ($millions) | 9.7679% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 2,356 |
| Loan loss allowance to noncurrent loans | 1,521.6125% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 5,864 |
| Noncurrent loans to loans | 0.1041% | 5,624 |
| Net loans and leases to total assets | 69.1403% | 2,337 |
| Net loans and leases to deposits | 86.7975% | 1,816 |
| Net loans and leases to core deposits | 145.2224% | 125 |
| Total domestic deposits to total assets | 79.6570% | 5,181 |
| Equity capital to assets | 12.0745% | 1,995 |
| Core capital (leverage) ratio | 12.3473% | 1,489 |
| Tier 1 risk-based capital ratio | 14.2858% | 4,035 |
| Total risk-based capital ratio | 15.5375% | 3,955 |
| Memoranda: | ||
| Average total assets | $2,366,622,500 | 317 |
| Average earning assets | $2,280,802,500 | 295 |
| Average equity | $289,911,500 | 298 |
| Average total loans | $1,634,591,250 | 306 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7099% | 6,388 |
| Cost of funding earning assets | 0.3467% | 4,468 |
| Net interest margin | 2.3632% | 6,379 |
| Noninterest income to average assets | 0.4345% | 3,993 |
| Noninterest expense to average assets | 1.7124% | 6,255 |
| Loan and lease loss provision to assets | 0.0854% | 2,598 |
| Net operating income to assets | 0.5243% | 4,717 |
| Return on assets (ROA) | 0.5243% | 4,808 |
| Pretax return on assets | 0.9133% | 3,832 |
| Return on Equity (ROE) | 4.2586% | 5,035 |
| Retained earnings to average equity (ytd only) | 4.2586% | 3,462 |
| Net charge-offs to loans | -0.0535% | 5,913 |
| Credit loss provision to net charge-offs | -232.5581% | 5,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1096% | 4,839 |
| Assets per employee ($millions) | 9.5961% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 2,704 |
| Loan loss allowance to noncurrent loans | 1,191.0202% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 5,884 |
| Noncurrent loans to loans | 0.1295% | 5,622 |
| Net loans and leases to total assets | 69.0470% | 2,234 |
| Net loans and leases to deposits | 85.7667% | 1,840 |
| Net loans and leases to core deposits | 142.2088% | 129 |
| Total domestic deposits to total assets | 80.5055% | 5,127 |
| Equity capital to assets | 12.4990% | 1,641 |
| Core capital (leverage) ratio | 12.4643% | 1,413 |
| Tier 1 risk-based capital ratio | 14.8333% | 3,732 |
| Total risk-based capital ratio | 16.0845% | 3,670 |
| Memoranda: | ||
| Average total assets | $2,341,507,000 | 316 |
| Average earning assets | $2,255,633,330 | 297 |
| Average equity | $288,263,330 | 298 |
| Average total loans | $1,607,601,330 | 306 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6726% | 6,483 |
| Cost of funding earning assets | 0.3361% | 4,685 |
| Net interest margin | 2.3365% | 6,457 |
| Noninterest income to average assets | 0.4435% | 3,838 |
| Noninterest expense to average assets | 1.7551% | 6,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5396% | 4,504 |
| Return on assets (ROA) | 0.5396% | 4,577 |
| Pretax return on assets | 0.9401% | 3,555 |
| Return on Equity (ROE) | 4.4172% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.4172% | 3,475 |
| Net charge-offs to loans | -0.1270% | 6,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0631% | 4,679 |
| Assets per employee ($millions) | 9.9998% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,081 |
| Loan loss allowance to noncurrent loans | 821.8182% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 5,872 |
| Noncurrent loans to loans | 0.1843% | 5,543 |
| Net loans and leases to total assets | 66.6728% | 2,449 |
| Net loans and leases to deposits | 79.4513% | 2,373 |
| Net loans and leases to core deposits | 124.9387% | 240 |
| Total domestic deposits to total assets | 83.9165% | 4,304 |
| Equity capital to assets | 12.1155% | 1,795 |
| Core capital (leverage) ratio | 12.5891% | 1,344 |
| Tier 1 risk-based capital ratio | 14.8677% | 3,777 |
| Total risk-based capital ratio | 16.1184% | 3,734 |
| Memoranda: | ||
| Average total assets | $2,341,537,000 | 320 |
| Average earning assets | $2,256,570,000 | 299 |
| Average equity | $286,066,500 | 298 |
| Average total loans | $1,590,386,500 | 307 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5977% | 6,589 |
| Cost of funding earning assets | 0.3832% | 4,817 |
| Net interest margin | 2.2145% | 6,572 |
| Noninterest income to average assets | 0.3729% | 4,645 |
| Noninterest expense to average assets | 1.8634% | 6,238 |
| Loan and lease loss provision to assets | 0.1202% | 2,815 |
| Net operating income to assets | 0.3332% | 5,398 |
| Return on assets (ROA) | 0.3534% | 5,436 |
| Pretax return on assets | 0.5526% | 5,039 |
| Return on Equity (ROE) | 2.8017% | 5,583 |
| Retained earnings to average equity (ytd only) | 2.8017% | 4,253 |
| Net charge-offs to loans | -0.0276% | 6,213 |
| Credit loss provision to net charge-offs | -697.6744% | 6,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3415% | 3,074 |
| Assets per employee ($millions) | 9.4005% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,081 |
| Loan loss allowance to noncurrent loans | 782.6785% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 5,925 |
| Noncurrent loans to loans | 0.1946% | 5,609 |
| Net loans and leases to total assets | 67.1125% | 2,500 |
| Net loans and leases to deposits | 82.6348% | 2,115 |
| Net loans and leases to core deposits | 125.0593% | 246 |
| Total domestic deposits to total assets | 81.2158% | 5,116 |
| Equity capital to assets | 12.3220% | 1,611 |
| Core capital (leverage) ratio | 12.3092% | 1,444 |
| Tier 1 risk-based capital ratio | 15.6625% | 3,267 |
| Total risk-based capital ratio | 16.9140% | 3,228 |
| Memoranda: | ||
| Average total assets | $2,246,453,000 | 322 |
| Average earning assets | $2,162,540,400 | 302 |
| Average equity | $283,323,000 | 291 |
| Average total loans | $1,401,340,800 | 324 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5668% | 6,672 |
| Cost of funding earning assets | 0.3900% | 4,902 |
| Net interest margin | 2.1768% | 6,662 |
| Noninterest income to average assets | 0.3698% | 4,751 |
| Noninterest expense to average assets | 1.8480% | 6,262 |
| Loan and lease loss provision to assets | 0.0418% | 4,175 |
| Net operating income to assets | 0.3884% | 5,289 |
| Return on assets (ROA) | 0.4172% | 5,319 |
| Pretax return on assets | 0.6158% | 4,965 |
| Return on Equity (ROE) | 3.2885% | 5,501 |
| Retained earnings to average equity (ytd only) | 3.2885% | 4,334 |
| Net charge-offs to loans | -0.1567% | 6,602 |
| Credit loss provision to net charge-offs | -43.8048% | 5,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9648% | 2,908 |
| Assets per employee ($millions) | 9.3577% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 2,878 |
| Loan loss allowance to noncurrent loans | 516.5140% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 5,853 |
| Noncurrent loans to loans | 0.3159% | 5,438 |
| Net loans and leases to total assets | 60.7787% | 3,564 |
| Net loans and leases to deposits | 74.7592% | 3,122 |
| Net loans and leases to core deposits | 118.1249% | 350 |
| Total domestic deposits to total assets | 81.2993% | 5,136 |
| Equity capital to assets | 12.3958% | 1,640 |
| Core capital (leverage) ratio | 12.9589% | 1,223 |
| Tier 1 risk-based capital ratio | 15.8159% | 3,290 |
| Total risk-based capital ratio | 17.0670% | 3,244 |
| Memoranda: | ||
| Average total assets | $2,232,283,000 | 324 |
| Average earning assets | $2,146,849,500 | 307 |
| Average equity | $283,205,750 | 286 |
| Average total loans | $1,359,278,000 | 332 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5608% | 6,714 |
| Cost of funding earning assets | 0.4044% | 4,900 |
| Net interest margin | 2.1564% | 6,704 |
| Noninterest income to average assets | 0.2926% | 5,356 |
| Noninterest expense to average assets | 1.8811% | 6,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2748% | 5,694 |
| Return on assets (ROA) | 0.3158% | 5,695 |
| Pretax return on assets | 0.5495% | 5,202 |
| Return on Equity (ROE) | 2.4696% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.4696% | 4,733 |
| Net charge-offs to loans | -0.2247% | 6,695 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4850% | 2,226 |
| Assets per employee ($millions) | 8.9924% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 3,013 |
| Loan loss allowance to noncurrent loans | 219.0364% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 5,117 |
| Noncurrent loans to loans | 0.7490% | 4,427 |
| Net loans and leases to total assets | 60.0089% | 3,654 |
| Net loans and leases to deposits | 74.8107% | 3,036 |
| Net loans and leases to core deposits | 118.2173% | 346 |
| Total domestic deposits to total assets | 80.2142% | 5,561 |
| Equity capital to assets | 12.6744% | 1,483 |
| Core capital (leverage) ratio | 12.7627% | 1,261 |
| Tier 1 risk-based capital ratio | 15.7069% | 3,362 |
| Total risk-based capital ratio | 16.9575% | 3,309 |
| Memoranda: | ||
| Average total assets | $2,212,167,000 | 327 |
| Average earning assets | $2,127,638,670 | 311 |
| Average equity | $282,877,330 | 285 |
| Average total loans | $1,340,188,670 | 335 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4854% | 6,814 |
| Cost of funding earning assets | 0.4117% | 4,993 |
| Net interest margin | 2.0738% | 6,822 |
| Noninterest income to average assets | 0.3293% | 5,068 |
| Noninterest expense to average assets | 1.9299% | 6,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2255% | 5,805 |
| Return on assets (ROA) | 0.2255% | 5,931 |
| Pretax return on assets | 0.3923% | 5,585 |
| Return on Equity (ROE) | 1.7555% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.7555% | 5,111 |
| Net charge-offs to loans | -0.7615% | 6,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1053% | 1,881 |
| Assets per employee ($millions) | 8.6066% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 2,786 |
| Loan loss allowance to noncurrent loans | 273.8768% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 5,412 |
| Noncurrent loans to loans | 0.6406% | 4,843 |
| Net loans and leases to total assets | 59.3396% | 3,546 |
| Net loans and leases to deposits | 74.3128% | 2,882 |
| Net loans and leases to core deposits | 119.4361% | 293 |
| Total domestic deposits to total assets | 79.8511% | 5,786 |
| Equity capital to assets | 12.8667% | 1,489 |
| Core capital (leverage) ratio | 12.8886% | 1,157 |
| Tier 1 risk-based capital ratio | 15.1457% | 3,741 |
| Total risk-based capital ratio | 16.4050% | 3,688 |
| Memoranda: | ||
| Average total assets | $2,203,195,500 | 331 |
| Average earning assets | $2,117,309,000 | 316 |
| Average equity | $282,990,000 | 289 |
| Average total loans | $1,329,990,000 | 338 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8774% | 6,828 |
| Cost of funding earning assets | 0.4750% | 5,384 |
| Net interest margin | 2.4024% | 6,780 |
| Noninterest income to average assets | 0.2751% | 5,492 |
| Noninterest expense to average assets | 2.0605% | 6,209 |
| Loan and lease loss provision to assets | 0.1067% | 4,302 |
| Net operating income to assets | 0.2427% | 5,654 |
| Return on assets (ROA) | 0.2791% | 5,760 |
| Pretax return on assets | 0.4623% | 5,389 |
| Return on Equity (ROE) | 2.0603% | 5,879 |
| Retained earnings to average equity (ytd only) | 2.0603% | 4,774 |
| Net charge-offs to loans | 0.4278% | 2,524 |
| Credit loss provision to net charge-offs | 41.1369% | 4,916 |
| Earnings coverage of net charge-offs (x) | 1.9753% | 4,428 |
| Efficiency ratio | 80.0912% | 2,130 |
| Assets per employee ($millions) | 8.6058% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 3,452 |
| Loan loss allowance to noncurrent loans | 165.7457% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5701% | 5,064 |
| Noncurrent loans to loans | 0.9449% | 4,301 |
| Net loans and leases to total assets | 59.3887% | 3,706 |
| Net loans and leases to deposits | 73.5298% | 3,167 |
| Net loans and leases to core deposits | 111.6907% | 481 |
| Total domestic deposits to total assets | 80.7683% | 5,463 |
| Equity capital to assets | 12.8224% | 1,532 |
| Core capital (leverage) ratio | 12.9355% | 1,137 |
| Tier 1 risk-based capital ratio | 15.0945% | 3,672 |
| Total risk-based capital ratio | 16.2924% | 3,645 |
| Memoranda: | ||
| Average total assets | $2,062,529,400 | 345 |
| Average earning assets | $1,972,562,200 | 326 |
| Average equity | $279,378,000 | 286 |
| Average total loans | $1,250,105,400 | 353 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8873% | 6,936 |
| Cost of funding earning assets | 0.4808% | 5,565 |
| Net interest margin | 2.4065% | 6,888 |
| Noninterest income to average assets | 0.2894% | 5,467 |
| Noninterest expense to average assets | 2.1028% | 6,154 |
| Loan and lease loss provision to assets | 0.0329% | 5,367 |
| Net operating income to assets | 0.2538% | 5,773 |
| Return on assets (ROA) | 0.3030% | 5,807 |
| Pretax return on assets | 0.5294% | 5,380 |
| Return on Equity (ROE) | 2.2053% | 5,973 |
| Retained earnings to average equity (ytd only) | 2.2053% | 5,234 |
| Net charge-offs to loans | 0.5824% | 1,880 |
| Credit loss provision to net charge-offs | 9.3041% | 5,088 |
| Earnings coverage of net charge-offs (x) | 1.3731% | 4,610 |
| Efficiency ratio | 81.2497% | 1,901 |
| Assets per employee ($millions) | 8.3129% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4796% | 4,033 |
| Loan loss allowance to noncurrent loans | 144.3697% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 5,092 |
| Noncurrent loans to loans | 1.0248% | 4,403 |
| Net loans and leases to total assets | 60.6805% | 3,638 |
| Net loans and leases to deposits | 76.9631% | 2,826 |
| Net loans and leases to core deposits | 120.4229% | 300 |
| Total domestic deposits to total assets | 78.8437% | 5,907 |
| Equity capital to assets | 13.4361% | 1,378 |
| Core capital (leverage) ratio | 13.3476% | 1,059 |
| Tier 1 risk-based capital ratio | 16.3732% | 3,082 |
| Total risk-based capital ratio | 17.5681% | 3,070 |
| Memoranda: | ||
| Average total assets | $2,027,388,750 | 352 |
| Average earning assets | $1,936,567,500 | 332 |
| Average equity | $278,600,250 | 288 |
| Average total loans | $1,230,330,750 | 361 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8799% | 7,021 |
| Cost of funding earning assets | 0.4784% | 5,774 |
| Net interest margin | 2.4015% | 6,957 |
| Noninterest income to average assets | 0.3016% | 5,392 |
| Noninterest expense to average assets | 2.1481% | 6,126 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2467% | 5,773 |
| Return on assets (ROA) | 0.3214% | 5,741 |
| Pretax return on assets | 0.5614% | 5,272 |
| Return on Equity (ROE) | 2.3209% | 5,942 |
| Retained earnings to average equity (ytd only) | 2.3209% | 5,030 |
| Net charge-offs to loans | 0.4779% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.5411% | 4,220 |
| Efficiency ratio | 82.8518% | 1,770 |
| Assets per employee ($millions) | 8.0029% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 3,444 |
| Loan loss allowance to noncurrent loans | 134.9299% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7593% | 4,897 |
| Noncurrent loans to loans | 1.2185% | 4,108 |
| Net loans and leases to total assets | 61.2889% | 3,575 |
| Net loans and leases to deposits | 77.2116% | 2,801 |
| Net loans and leases to core deposits | 117.8149% | 349 |
| Total domestic deposits to total assets | 79.3779% | 5,887 |
| Equity capital to assets | 13.5731% | 1,272 |
| Core capital (leverage) ratio | 13.8431% | 850 |
| Tier 1 risk-based capital ratio | 16.7386% | 2,794 |
| Total risk-based capital ratio | 18.0024% | 2,737 |
| Memoranda: | ||
| Average total assets | $2,004,901,330 | 357 |
| Average earning assets | $1,912,775,330 | 335 |
| Average equity | $277,645,000 | 290 |
| Average total loans | $1,210,355,330 | 365 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8682% | 7,086 |
| Cost of funding earning assets | 0.4715% | 6,006 |
| Net interest margin | 2.3967% | 7,013 |
| Noninterest income to average assets | 0.3163% | 5,344 |
| Noninterest expense to average assets | 2.0867% | 6,295 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2939% | 5,679 |
| Return on assets (ROA) | 0.2939% | 5,843 |
| Pretax return on assets | 0.5134% | 5,381 |
| Return on Equity (ROE) | 2.1005% | 6,045 |
| Retained earnings to average equity (ytd only) | 2.1005% | 5,220 |
| Net charge-offs to loans | 0.0484% | 4,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 17.8873% | 1,289 |
| Efficiency ratio | 80.2550% | 2,168 |
| Assets per employee ($millions) | 7.7757% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 2,455 |
| Loan loss allowance to noncurrent loans | 106.4337% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1333% | 4,238 |
| Noncurrent loans to loans | 1.8497% | 3,342 |
| Net loans and leases to total assets | 60.0606% | 3,657 |
| Net loans and leases to deposits | 80.8674% | 2,076 |
| Net loans and leases to core deposits | 123.0100% | 267 |
| Total domestic deposits to total assets | 74.2705% | 6,722 |
| Equity capital to assets | 14.0543% | 1,008 |
| Core capital (leverage) ratio | 14.2069% | 748 |
| Tier 1 risk-based capital ratio | 18.3315% | 2,194 |
| Total risk-based capital ratio | 19.5961% | 2,159 |
| Memoranda: | ||
| Average total assets | $1,978,974,000 | 360 |
| Average earning assets | $1,885,793,500 | 337 |
| Average equity | $276,885,000 | 287 |
| Average total loans | $1,174,715,000 | 369 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7481% | 7,234 |
| Cost of funding earning assets | 0.4878% | 6,582 |
| Net interest margin | 2.2603% | 7,155 |
| Noninterest income to average assets | 0.3899% | 4,703 |
| Noninterest expense to average assets | 2.0658% | 6,553 |
| Loan and lease loss provision to assets | 0.1478% | 4,764 |
| Net operating income to assets | 0.1886% | 5,625 |
| Return on assets (ROA) | 0.1886% | 5,754 |
| Pretax return on assets | 0.3325% | 5,467 |
| Return on Equity (ROE) | 1.3558% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.3558% | 5,214 |
| Net charge-offs to loans | 0.0268% | 6,060 |
| Credit loss provision to net charge-offs | 1,046.9314% | 216 |
| Earnings coverage of net charge-offs (x) | 34.0253% | 763 |
| Efficiency ratio | 81.1379% | 2,143 |
| Assets per employee ($millions) | 7.9317% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1032% | 1,999 |
| Loan loss allowance to noncurrent loans | 111.6474% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0824% | 4,451 |
| Noncurrent loans to loans | 1.8838% | 3,361 |
| Net loans and leases to total assets | 56.2519% | 4,660 |
| Net loans and leases to deposits | 75.3674% | 3,284 |
| Net loans and leases to core deposits | 104.7947% | 850 |
| Total domestic deposits to total assets | 74.6369% | 6,659 |
| Equity capital to assets | 13.9286% | 1,092 |
| Core capital (leverage) ratio | 13.6536% | 907 |
| Tier 1 risk-based capital ratio | 18.5229% | 2,038 |
| Total risk-based capital ratio | 19.7887% | 2,002 |
| Memoranda: | ||
| Average total assets | $1,962,613,800 | 352 |
| Average earning assets | $1,872,114,400 | 333 |
| Average equity | $272,971,200 | 283 |
| Average total loans | $1,035,243,600 | 411 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7110% | 7,319 |
| Cost of funding earning assets | 0.4905% | 6,738 |
| Net interest margin | 2.2206% | 7,250 |
| Noninterest income to average assets | 0.3442% | 5,109 |
| Noninterest expense to average assets | 2.0587% | 6,576 |
| Loan and lease loss provision to assets | 0.0272% | 6,098 |
| Net operating income to assets | 0.2220% | 5,642 |
| Return on assets (ROA) | 0.2220% | 5,776 |
| Pretax return on assets | 0.3780% | 5,532 |
| Return on Equity (ROE) | 1.5965% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.5965% | 5,343 |
| Net charge-offs to loans | -0.0764% | 7,123 |
| Credit loss provision to net charge-offs | -69.2042% | 6,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5522% | 1,780 |
| Assets per employee ($millions) | 7.9301% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0500% | 2,207 |
| Loan loss allowance to noncurrent loans | 103.2092% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.4054% | 4,020 |
| Noncurrent loans to loans | 1.9863% | 3,388 |
| Net loans and leases to total assets | 53.1522% | 5,295 |
| Net loans and leases to deposits | 68.7136% | 4,481 |
| Net loans and leases to core deposits | 84.2883% | 3,020 |
| Total domestic deposits to total assets | 77.3533% | 6,319 |
| Equity capital to assets | 13.7721% | 1,256 |
| Core capital (leverage) ratio | 14.1212% | 877 |
| Tier 1 risk-based capital ratio | 18.7373% | 2,013 |
| Total risk-based capital ratio | 20.0040% | 1,971 |
| Memoranda: | ||
| Average total assets | $1,957,535,000 | 357 |
| Average earning assets | $1,868,603,250 | 332 |
| Average equity | $272,165,250 | 285 |
| Average total loans | $1,009,204,750 | 418 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6700% | 7,401 |
| Cost of funding earning assets | 0.4972% | 6,851 |
| Net interest margin | 2.1728% | 7,326 |
| Noninterest income to average assets | 0.3879% | 4,774 |
| Noninterest expense to average assets | 2.0871% | 6,621 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2220% | 5,655 |
| Return on assets (ROA) | 0.2220% | 5,776 |
| Pretax return on assets | 0.3781% | 5,460 |
| Return on Equity (ROE) | 1.5917% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.5917% | 5,191 |
| Net charge-offs to loans | 0.1600% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.6692% | 2,806 |
| Efficiency ratio | 84.6623% | 1,743 |
| Assets per employee ($millions) | 7.6965% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 2,411 |
| Loan loss allowance to noncurrent loans | 67.9819% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.9130% | 3,358 |
| Noncurrent loans to loans | 2.9214% | 2,498 |
| Net loans and leases to total assets | 52.7212% | 5,471 |
| Net loans and leases to deposits | 69.0663% | 4,557 |
| Net loans and leases to core deposits | 85.4800% | 3,000 |
| Total domestic deposits to total assets | 76.3341% | 6,553 |
| Equity capital to assets | 14.2270% | 1,024 |
| Core capital (leverage) ratio | 13.9040% | 892 |
| Tier 1 risk-based capital ratio | 19.5561% | 1,703 |
| Total risk-based capital ratio | 20.8137% | 1,675 |
| Memoranda: | ||
| Average total assets | $1,941,275,000 | 365 |
| Average earning assets | $1,855,954,000 | 339 |
| Average equity | $270,783,330 | 287 |
| Average total loans | $982,699,670 | 440 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6201% | 7,463 |
| Cost of funding earning assets | 0.4981% | 6,976 |
| Net interest margin | 2.1220% | 7,384 |
| Noninterest income to average assets | 0.4521% | 4,263 |
| Noninterest expense to average assets | 2.1105% | 6,609 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2175% | 5,726 |
| Return on assets (ROA) | 0.2175% | 5,790 |
| Pretax return on assets | 0.3703% | 5,431 |
| Return on Equity (ROE) | 1.5744% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.5744% | 5,167 |
| Net charge-offs to loans | 0.0013% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 601.6667% | 38 |
| Efficiency ratio | 85.0740% | 1,830 |
| Assets per employee ($millions) | 7.7703% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2316% | 1,891 |
| Loan loss allowance to noncurrent loans | 64.8650% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.0156% | 3,302 |
| Noncurrent loans to loans | 3.4404% | 2,180 |
| Net loans and leases to total assets | 47.7411% | 6,112 |
| Net loans and leases to deposits | 61.9858% | 5,495 |
| Net loans and leases to core deposits | 77.1090% | 4,148 |
| Total domestic deposits to total assets | 77.0195% | 6,535 |
| Equity capital to assets | 13.7933% | 1,070 |
| Core capital (leverage) ratio | 13.9558% | 859 |
| Tier 1 risk-based capital ratio | 18.3402% | 2,007 |
| Total risk-based capital ratio | 19.5935% | 1,960 |
| Memoranda: | ||
| Average total assets | $1,949,847,000 | 363 |
| Average earning assets | $1,864,055,500 | 337 |
| Average equity | $269,301,500 | 283 |
| Average total loans | $956,560,000 | 456 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7598% | 7,520 |
| Cost of funding earning assets | 0.5589% | 7,209 |
| Net interest margin | 2.2009% | 7,395 |
| Noninterest income to average assets | 0.3549% | 5,273 |
| Noninterest expense to average assets | 2.1147% | 6,814 |
| Loan and lease loss provision to assets | 0.4214% | 3,583 |
| Net operating income to assets | -0.0704% | 5,953 |
| Return on assets (ROA) | 0.0682% | 5,803 |
| Pretax return on assets | 0.0596% | 5,786 |
| Return on Equity (ROE) | 0.4830% | 5,833 |
| Retained earnings to average equity (ytd only) | 0.4830% | 5,341 |
| Net charge-offs to loans | 1.1010% | 2,025 |
| Credit loss provision to net charge-offs | 72.2413% | 5,806 |
| Earnings coverage of net charge-offs (x) | 0.5870% | 5,521 |
| Efficiency ratio | 86.0659% | 1,691 |
| Assets per employee ($millions) | 7.7047% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2301% | 1,820 |
| Loan loss allowance to noncurrent loans | 64.7109% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 2.0371% | 3,304 |
| Noncurrent loans to loans | 3.4463% | 2,202 |
| Net loans and leases to total assets | 48.1883% | 6,375 |
| Net loans and leases to deposits | 63.2032% | 5,718 |
| Net loans and leases to core deposits | 79.0026% | 4,343 |
| Total domestic deposits to total assets | 76.2434% | 6,607 |
| Equity capital to assets | 13.8297% | 1,091 |
| Core capital (leverage) ratio | 14.1438% | 817 |
| Tier 1 risk-based capital ratio | 18.7610% | 1,775 |
| Total risk-based capital ratio | 20.0149% | 1,742 |
| Memoranda: | ||
| Average total assets | $1,898,538,000 | 370 |
| Average earning assets | $1,813,377,600 | 343 |
| Average equity | $268,092,000 | 280 |
| Average total loans | $1,005,837,800 | 445 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8065% | 7,646 |
| Cost of funding earning assets | 0.5657% | 7,360 |
| Net interest margin | 2.2408% | 7,503 |
| Noninterest income to average assets | 0.3385% | 5,453 |
| Noninterest expense to average assets | 2.1538% | 6,731 |
| Loan and lease loss provision to assets | 0.4944% | 2,996 |
| Net operating income to assets | -0.2540% | 6,384 |
| Return on assets (ROA) | -0.1350% | 6,308 |
| Pretax return on assets | 0.0152% | 6,067 |
| Return on Equity (ROE) | -0.9513% | 6,275 |
| Retained earnings to average equity (ytd only) | -0.9513% | 6,007 |
| Net charge-offs to loans | 1.5436% | 1,301 |
| Credit loss provision to net charge-offs | 59.3925% | 5,706 |
| Earnings coverage of net charge-offs (x) | 0.3889% | 5,637 |
| Efficiency ratio | 86.9348% | 1,540 |
| Assets per employee ($millions) | 7.4587% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 2,267 |
| Loan loss allowance to noncurrent loans | 51.7547% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.5183% | 2,851 |
| Noncurrent loans to loans | 3.8330% | 1,995 |
| Net loans and leases to total assets | 51.8056% | 6,123 |
| Net loans and leases to deposits | 68.2159% | 5,391 |
| Net loans and leases to core deposits | 86.2231% | 3,619 |
| Total domestic deposits to total assets | 75.9435% | 6,670 |
| Equity capital to assets | 14.2238% | 1,107 |
| Core capital (leverage) ratio | 14.2359% | 874 |
| Tier 1 risk-based capital ratio | 18.0769% | 2,009 |
| Total risk-based capital ratio | 19.3370% | 1,960 |
| Memoranda: | ||
| Average total assets | $1,887,779,000 | 369 |
| Average earning assets | $1,801,985,500 | 341 |
| Average equity | $267,986,750 | 273 |
| Average total loans | $1,018,059,000 | 440 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8250% | 7,725 |
| Cost of funding earning assets | 0.5741% | 7,447 |
| Net interest margin | 2.2509% | 7,555 |
| Noninterest income to average assets | 0.3265% | 5,539 |
| Noninterest expense to average assets | 2.2470% | 6,517 |
| Loan and lease loss provision to assets | 0.1057% | 5,859 |
| Net operating income to assets | -0.0521% | 6,154 |
| Return on assets (ROA) | 0.0509% | 6,093 |
| Pretax return on assets | 0.2816% | 5,558 |
| Return on Equity (ROE) | 0.3590% | 6,117 |
| Retained earnings to average equity (ytd only) | 0.3590% | 5,616 |
| Net charge-offs to loans | 0.4280% | 3,281 |
| Credit loss provision to net charge-offs | 45.4752% | 5,513 |
| Earnings coverage of net charge-offs (x) | 0.9736% | 4,807 |
| Efficiency ratio | 90.8539% | 1,270 |
| Assets per employee ($millions) | 7.3911% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2870% | 1,607 |
| Loan loss allowance to noncurrent loans | 59.6322% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.5875% | 2,809 |
| Noncurrent loans to loans | 3.8351% | 2,008 |
| Net loans and leases to total assets | 52.8373% | 6,125 |
| Net loans and leases to deposits | 69.8560% | 5,301 |
| Net loans and leases to core deposits | 89.5393% | 3,336 |
| Total domestic deposits to total assets | 75.6374% | 6,758 |
| Equity capital to assets | 14.3139% | 1,061 |
| Core capital (leverage) ratio | 14.5499% | 810 |
| Tier 1 risk-based capital ratio | 17.4057% | 2,129 |
| Total risk-based capital ratio | 18.6661% | 2,089 |
| Memoranda: | ||
| Average total assets | $1,892,996,330 | 368 |
| Average earning assets | $1,805,397,330 | 345 |
| Average equity | $268,553,330 | 273 |
| Average total loans | $1,027,580,330 | 438 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7420% | 7,839 |
| Cost of funding earning assets | 0.5758% | 7,567 |
| Net interest margin | 2.1662% | 7,664 |
| Noninterest income to average assets | 0.3790% | 5,104 |
| Noninterest expense to average assets | 2.1993% | 6,690 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0360% | 6,200 |
| Return on assets (ROA) | 0.0364% | 6,316 |
| Pretax return on assets | 0.2452% | 5,759 |
| Return on Equity (ROE) | 0.2578% | 6,338 |
| Retained earnings to average equity (ytd only) | 0.2578% | 5,727 |
| Net charge-offs to loans | 0.0074% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 61.1579% | 503 |
| Efficiency ratio | 89.9940% | 1,440 |
| Assets per employee ($millions) | 7.2255% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3898% | 1,432 |
| Loan loss allowance to noncurrent loans | 70.6598% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 2.4566% | 2,958 |
| Noncurrent loans to loans | 3.3821% | 2,368 |
| Net loans and leases to total assets | 54.2948% | 5,992 |
| Net loans and leases to deposits | 73.7718% | 4,785 |
| Net loans and leases to core deposits | 91.6378% | 3,151 |
| Total domestic deposits to total assets | 73.5984% | 7,097 |
| Equity capital to assets | 14.6801% | 962 |
| Core capital (leverage) ratio | 14.5751% | 837 |
| Tier 1 risk-based capital ratio | 19.7437% | 1,571 |
| Total risk-based capital ratio | 21.0024% | 1,535 |
| Memoranda: | ||
| Average total assets | $1,900,825,500 | 379 |
| Average earning assets | $1,811,799,000 | 355 |
| Average equity | $268,470,000 | 278 |
| Average total loans | $1,033,795,500 | 457 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2723% | 7,854 |
| Cost of funding earning assets | 0.8835% | 7,432 |
| Net interest margin | 2.3888% | 7,519 |
| Noninterest income to average assets | 0.3227% | 5,778 |
| Noninterest expense to average assets | 2.2449% | 6,881 |
| Loan and lease loss provision to assets | 0.2718% | 5,236 |
| Net operating income to assets | 0.0046% | 5,468 |
| Return on assets (ROA) | 0.0054% | 5,520 |
| Pretax return on assets | 0.0374% | 5,354 |
| Return on Equity (ROE) | 0.0396% | 5,524 |
| Retained earnings to average equity (ytd only) | 0.0396% | 4,885 |
| Net charge-offs to loans | 0.3326% | 4,570 |
| Credit loss provision to net charge-offs | 148.4594% | 3,150 |
| Earnings coverage of net charge-offs (x) | 1.6821% | 4,475 |
| Efficiency ratio | 87.9372% | 1,887 |
| Assets per employee ($millions) | 7.7113% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3325% | 1,430 |
| Loan loss allowance to noncurrent loans | 68.6104% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.3249% | 2,972 |
| Noncurrent loans to loans | 3.3996% | 2,247 |
| Net loans and leases to total assets | 51.9901% | 6,421 |
| Net loans and leases to deposits | 72.9193% | 5,204 |
| Net loans and leases to core deposits | 97.7113% | 4,256 |
| Total domestic deposits to total assets | 71.2981% | 7,304 |
| Equity capital to assets | 13.6047% | 1,275 |
| Core capital (leverage) ratio | 14.1122% | 961 |
| Tier 1 risk-based capital ratio | 18.1560% | 1,850 |
| Total risk-based capital ratio | 19.4127% | 1,803 |
| Memoranda: | ||
| Average total assets | $1,949,990,200 | 359 |
| Average earning assets | $1,820,490,400 | 350 |
| Average equity | $265,465,000 | 277 |
| Average total loans | $1,073,383,000 | 457 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3869% | 7,948 |
| Cost of funding earning assets | 0.9692% | 7,450 |
| Net interest margin | 2.4177% | 7,549 |
| Noninterest income to average assets | 0.3262% | 5,877 |
| Noninterest expense to average assets | 2.2593% | 6,814 |
| Loan and lease loss provision to assets | 0.1233% | 6,125 |
| Net operating income to assets | 0.1006% | 5,461 |
| Return on assets (ROA) | 0.1016% | 5,507 |
| Pretax return on assets | 0.1903% | 5,324 |
| Return on Equity (ROE) | 0.7463% | 5,567 |
| Retained earnings to average equity (ytd only) | 0.7463% | 4,872 |
| Net charge-offs to loans | 0.1234% | 5,457 |
| Credit loss provision to net charge-offs | 180.0000% | 2,544 |
| Earnings coverage of net charge-offs (x) | 4.5530% | 3,097 |
| Efficiency ratio | 87.8671% | 1,889 |
| Assets per employee ($millions) | 6.9181% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1945% | 1,431 |
| Loan loss allowance to noncurrent loans | 92.5590% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 2.0517% | 3,280 |
| Noncurrent loans to loans | 2.3709% | 3,180 |
| Net loans and leases to total assets | 58.8699% | 5,756 |
| Net loans and leases to deposits | 76.1597% | 5,009 |
| Net loans and leases to core deposits | 103.3743% | 4,014 |
| Total domestic deposits to total assets | 77.2980% | 6,267 |
| Equity capital to assets | 15.0113% | 1,001 |
| Core capital (leverage) ratio | 13.8257% | 1,137 |
| Tier 1 risk-based capital ratio | 19.7385% | 1,606 |
| Total risk-based capital ratio | 20.9963% | 1,565 |
| Memoranda: | ||
| Average total assets | $1,945,894,000 | 371 |
| Average earning assets | $1,806,941,500 | 365 |
| Average equity | $264,951,500 | 288 |
| Average total loans | $1,080,045,000 | 468 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5197% | 8,022 |
| Cost of funding earning assets | 1.0259% | 7,500 |
| Net interest margin | 2.4938% | 7,488 |
| Noninterest income to average assets | 0.3149% | 5,991 |
| Noninterest expense to average assets | 2.1328% | 7,204 |
| Loan and lease loss provision to assets | 0.0999% | 6,175 |
| Net operating income to assets | 0.1826% | 5,326 |
| Return on assets (ROA) | 0.1841% | 5,401 |
| Pretax return on assets | 0.3814% | 4,989 |
| Return on Equity (ROE) | 1.3946% | 5,500 |
| Retained earnings to average equity (ytd only) | 1.3946% | 4,560 |
| Net charge-offs to loans | 0.1830% | 4,423 |
| Credit loss provision to net charge-offs | 100.9082% | 4,527 |
| Earnings coverage of net charge-offs (x) | 4.8375% | 2,988 |
| Efficiency ratio | 81.6617% | 2,768 |
| Assets per employee ($millions) | 7.2368% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1221% | 1,352 |
| Loan loss allowance to noncurrent loans | 98.6138% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 3,820 |
| Noncurrent loans to loans | 2.1519% | 3,309 |
| Net loans and leases to total assets | 55.2060% | 6,317 |
| Net loans and leases to deposits | 71.3468% | 5,830 |
| Net loans and leases to core deposits | 96.0174% | 4,901 |
| Total domestic deposits to total assets | 77.3770% | 6,230 |
| Equity capital to assets | 14.0997% | 1,276 |
| Core capital (leverage) ratio | 13.7051% | 1,209 |
| Tier 1 risk-based capital ratio | 16.4166% | 2,475 |
| Total risk-based capital ratio | 17.6704% | 2,421 |
| Memoranda: | ||
| Average total assets | $2,001,875,670 | 374 |
| Average earning assets | $1,843,787,670 | 362 |
| Average equity | $264,304,000 | 292 |
| Average total loans | $1,083,339,330 | 484 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 8,018 |
| Cost of funding earning assets | 1.1616% | 7,388 |
| Net interest margin | 2.7249% | 7,150 |
| Noninterest income to average assets | 0.2842% | 6,163 |
| Noninterest expense to average assets | 2.0899% | 7,140 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.3316% | 5,154 |
| Return on assets (ROA) | 0.3339% | 5,328 |
| Pretax return on assets | 0.6615% | 4,552 |
| Return on Equity (ROE) | 2.6105% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.6105% | 4,432 |
| Net charge-offs to loans | 0.2752% | 3,024 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.5067% | 2,870 |
| Efficiency ratio | 76.0555% | 3,485 |
| Assets per employee ($millions) | 7.8196% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 1,357 |
| Loan loss allowance to noncurrent loans | 96.4727% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.4561% | 3,749 |
| Noncurrent loans to loans | 2.1048% | 3,111 |
| Net loans and leases to total assets | 51.2668% | 6,751 |
| Net loans and leases to deposits | 70.1932% | 5,958 |
| Net loans and leases to core deposits | 94.5390% | 5,108 |
| Total domestic deposits to total assets | 73.0367% | 7,045 |
| Equity capital to assets | 12.8721% | 1,799 |
| Core capital (leverage) ratio | 13.0705% | 1,460 |
| Tier 1 risk-based capital ratio | 15.0020% | 3,068 |
| Total risk-based capital ratio | 16.2543% | 3,001 |
| Memoranda: | ||
| Average total assets | $2,054,796,000 | 368 |
| Average earning assets | $1,857,856,500 | 364 |
| Average equity | $262,788,500 | 293 |
| Average total loans | $1,090,299,000 | 483 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0759% | 7,787 |
| Cost of funding earning assets | 2.0490% | 6,243 |
| Net interest margin | 3.0269% | 6,843 |
| Noninterest income to average assets | 0.3878% | 5,580 |
| Noninterest expense to average assets | 2.0819% | 7,273 |
| Loan and lease loss provision to assets | 0.3666% | 3,486 |
| Net operating income to assets | 0.4610% | 4,901 |
| Return on assets (ROA) | 0.4543% | 4,760 |
| Pretax return on assets | 0.7415% | 4,277 |
| Return on Equity (ROE) | 3.5835% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.5835% | 2,914 |
| Net charge-offs to loans | 0.5547% | 2,162 |
| Credit loss provision to net charge-offs | 122.8102% | 4,371 |
| Earnings coverage of net charge-offs (x) | 3.7467% | 4,233 |
| Efficiency ratio | 65.0518% | 5,312 |
| Assets per employee ($millions) | 7.5470% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0617% | 1,128 |
| Loan loss allowance to noncurrent loans | 242.9581% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 4,809 |
| Noncurrent loans to loans | 0.8486% | 4,928 |
| Net loans and leases to total assets | 52.6907% | 6,777 |
| Net loans and leases to deposits | 67.9530% | 6,465 |
| Net loans and leases to core deposits | 91.2437% | 5,698 |
| Total domestic deposits to total assets | 77.5399% | 5,861 |
| Equity capital to assets | 12.7052% | 1,915 |
| Core capital (leverage) ratio | 12.7681% | 1,634 |
| Tier 1 risk-based capital ratio | 17.5646% | 2,160 |
| Total risk-based capital ratio | 18.8207% | 2,096 |
| Memoranda: | ||
| Average total assets | $2,057,489,400 | 349 |
| Average earning assets | $1,911,766,600 | 343 |
| Average equity | $260,865,600 | 299 |
| Average total loans | $1,107,290,400 | 460 |