Home > The Camden National Bank > Performance and Condition Ratios
The Camden National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 3,463 |
| Cost of funding earning assets | 1.7261% | 1,396 |
| Net interest margin | 2.5584% | 4,025 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 1.8747% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9730% | 2,298 |
| Return on assets (ROA) | 0.8030% | 2,842 |
| Pretax return on assets | 0.9988% | 2,695 |
| Return on Equity (ROE) | 9.5700% | 2,620 |
| Retained earnings to average equity (ytd only) | 4.8787% | 2,644 |
| Net charge-offs to loans | 0.0285% | 1,735 |
| Credit loss provision to net charge-offs | 101.1197% | 1,827 |
| Earnings coverage of net charge-offs (x) | 59.8536% | 1,191 |
| Efficiency ratio | 60.3214% | 3,041 |
| Assets per employee ($millions) | 9.5644% | 808 |
| Cash dividends to net income (ytd only)* | 49.0314% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 3,711 |
| Loan loss allowance to noncurrent loans | 677.9552% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 2,879 |
| Noncurrent loans to loans | 0.1326% | 2,847 |
| Net loans and leases to total assets | 71.4200% | 1,646 |
| Net loans and leases to deposits | 87.8880% | 1,447 |
| Net loans and leases to core deposits | 93.3076% | 1,821 |
| Total domestic deposits to total assets | 81.2700% | 3,259 |
| Equity capital to assets | 8.9235% | 2,728 |
| Core capital (leverage) ratio | 8.9150% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6977% | 1,984 |
| Memoranda: | ||
| Average total assets | $5,714,841,800 | 251 |
| Average earning assets | $5,280,474,200 | 243 |
| Average equity | $479,407,600 | 274 |
| Average total loans | $4,076,680,200 | 233 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 3,464 |
| Cost of funding earning assets | 1.6349% | 1,311 |
| Net interest margin | 2.5647% | 4,076 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 1.8484% | 3,882 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.9922% | 2,385 |
| Return on assets (ROA) | 0.8584% | 2,817 |
| Pretax return on assets | 1.0732% | 2,646 |
| Return on Equity (ROE) | 10.4000% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.3147% | 2,839 |
| Net charge-offs to loans | 0.0263% | 1,540 |
| Credit loss provision to net charge-offs | 35.8655% | 1,950 |
| Earnings coverage of net charge-offs (x) | 65.8730% | 1,152 |
| Efficiency ratio | 59.6438% | 3,006 |
| Assets per employee ($millions) | 9.6642% | 756 |
| Cash dividends to net income (ytd only)* | 48.8891% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 3,749 |
| Loan loss allowance to noncurrent loans | 787.3486% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 3,057 |
| Noncurrent loans to loans | 0.1136% | 3,007 |
| Net loans and leases to total assets | 69.9000% | 1,838 |
| Net loans and leases to deposits | 85.5283% | 1,613 |
| Net loans and leases to core deposits | 91.0638% | 1,853 |
| Total domestic deposits to total assets | 81.7300% | 3,268 |
| Equity capital to assets | 8.2122% | 2,913 |
| Core capital (leverage) ratio | 8.8422% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4799% | 2,083 |
| Memoranda: | ||
| Average total assets | $5,718,461,250 | 254 |
| Average earning assets | $5,284,499,500 | 246 |
| Average equity | $472,091,000 | 279 |
| Average total loans | $4,068,746,750 | 236 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 3,449 |
| Cost of funding earning assets | 1.5311% | 1,189 |
| Net interest margin | 2.5879% | 4,123 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 1.8616% | 3,891 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9788% | 2,485 |
| Return on assets (ROA) | 0.9272% | 2,648 |
| Pretax return on assets | 1.1660% | 2,461 |
| Return on Equity (ROE) | 11.2100% | 2,370 |
| Retained earnings to average equity (ytd only) | 5.9523% | 2,640 |
| Net charge-offs to loans | 0.0336% | 1,224 |
| Credit loss provision to net charge-offs | 108.9312% | 1,383 |
| Earnings coverage of net charge-offs (x) | 51.7467% | 1,274 |
| Efficiency ratio | 59.6894% | 2,994 |
| Assets per employee ($millions) | 9.2790% | 829 |
| Cash dividends to net income (ytd only)* | 46.9111% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 3,786 |
| Loan loss allowance to noncurrent loans | 1,213.3530% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,248 |
| Noncurrent loans to loans | 0.0741% | 3,160 |
| Net loans and leases to total assets | 71.0700% | 1,627 |
| Net loans and leases to deposits | 86.1270% | 1,496 |
| Net loans and leases to core deposits | 92.8834% | 1,629 |
| Total domestic deposits to total assets | 82.5100% | 3,138 |
| Equity capital to assets | 8.3477% | 2,991 |
| Core capital (leverage) ratio | 8.7671% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2298% | 2,206 |
| Memoranda: | ||
| Average total assets | $5,701,431,333 | 250 |
| Average earning assets | $5,281,872,667 | 243 |
| Average equity | $471,519,000 | 272 |
| Average total loans | $4,068,462,333 | 229 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0039% | 3,450 |
| Cost of funding earning assets | 1.3506% | 1,129 |
| Net interest margin | 2.6532% | 4,145 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 1.8358% | 3,969 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0413% | 2,410 |
| Return on assets (ROA) | 0.9378% | 2,681 |
| Pretax return on assets | 1.1791% | 2,480 |
| Return on Equity (ROE) | 11.3900% | 2,375 |
| Retained earnings to average equity (ytd only) | 6.0086% | 2,761 |
| Net charge-offs to loans | 0.0224% | 1,234 |
| Credit loss provision to net charge-offs | 193.3921% | 842 |
| Earnings coverage of net charge-offs (x) | 82.6388% | 882 |
| Efficiency ratio | 57.8439% | 3,207 |
| Assets per employee ($millions) | 9.4026% | 822 |
| Cash dividends to net income (ytd only)* | 47.2654% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 3,828 |
| Loan loss allowance to noncurrent loans | 1,255.3753% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 3,264 |
| Noncurrent loans to loans | 0.0725% | 3,211 |
| Net loans and leases to total assets | 70.7900% | 1,546 |
| Net loans and leases to deposits | 86.2895% | 1,330 |
| Net loans and leases to core deposits | 92.4518% | 1,479 |
| Total domestic deposits to total assets | 82.0400% | 3,480 |
| Equity capital to assets | 8.3244% | 3,024 |
| Core capital (leverage) ratio | 8.6794% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1782% | 2,319 |
| Memoranda: | ||
| Average total assets | $5,684,928,500 | 259 |
| Average earning assets | $5,267,427,000 | 250 |
| Average equity | $467,931,000 | 278 |
| Average total loans | $4,046,610,000 | 239 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3840% | 3,384 |
| Cost of funding earning assets | 0.4401% | 1,789 |
| Net interest margin | 2.9439% | 3,584 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 1.9362% | 3,755 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1719% | 1,888 |
| Return on assets (ROA) | 1.1586% | 1,877 |
| Pretax return on assets | 1.4547% | 1,599 |
| Return on Equity (ROE) | 13.1900% | 1,746 |
| Retained earnings to average equity (ytd only) | 6.6410% | 2,390 |
| Net charge-offs to loans | 0.0206% | 1,679 |
| Credit loss provision to net charge-offs | 579.8429% | 621 |
| Earnings coverage of net charge-offs (x) | 111.9817% | 920 |
| Efficiency ratio | 55.1660% | 3,664 |
| Assets per employee ($millions) | 9.0745% | 896 |
| Cash dividends to net income (ytd only)* | 49.6639% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 3,700 |
| Loan loss allowance to noncurrent loans | 1,234.4366% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,272 |
| Noncurrent loans to loans | 0.0745% | 3,230 |
| Net loans and leases to total assets | 70.2600% | 1,614 |
| Net loans and leases to deposits | 81.7469% | 1,638 |
| Net loans and leases to core deposits | 86.3002% | 1,728 |
| Total domestic deposits to total assets | 85.9500% | 2,741 |
| Equity capital to assets | 8.1370% | 2,972 |
| Core capital (leverage) ratio | 8.6495% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0289% | 2,361 |
| Memoranda: | ||
| Average total assets | $5,509,061,000 | 258 |
| Average earning assets | $5,105,467,000 | 252 |
| Average equity | $483,797,400 | 269 |
| Average total loans | $3,717,327,600 | 238 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2463% | 3,317 |
| Cost of funding earning assets | 0.2841% | 2,343 |
| Net interest margin | 2.9622% | 3,320 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 1.9421% | 3,647 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1679% | 1,825 |
| Return on assets (ROA) | 1.1677% | 1,800 |
| Pretax return on assets | 1.4649% | 1,515 |
| Return on Equity (ROE) | 13.0500% | 1,685 |
| Retained earnings to average equity (ytd only) | 6.5399% | 2,539 |
| Net charge-offs to loans | 0.0184% | 1,473 |
| Credit loss provision to net charge-offs | 754.5817% | 483 |
| Earnings coverage of net charge-offs (x) | 127.7869% | 818 |
| Efficiency ratio | 55.0752% | 3,715 |
| Assets per employee ($millions) | 8.3058% | 1,170 |
| Cash dividends to net income (ytd only)* | 49.8821% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 3,704 |
| Loan loss allowance to noncurrent loans | 1,321.5913% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,393 |
| Noncurrent loans to loans | 0.0715% | 3,363 |
| Net loans and leases to total assets | 69.1100% | 1,558 |
| Net loans and leases to deposits | 83.1442% | 1,356 |
| Net loans and leases to core deposits | 86.0300% | 1,520 |
| Total domestic deposits to total assets | 83.1200% | 3,667 |
| Equity capital to assets | 8.0233% | 2,874 |
| Core capital (leverage) ratio | 8.6935% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0704% | 2,447 |
| Memoranda: | ||
| Average total assets | $5,470,712,000 | 258 |
| Average earning assets | $5,070,347,000 | 251 |
| Average equity | $489,558,250 | 270 |
| Average total loans | $3,642,772,000 | 243 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1204% | 3,254 |
| Cost of funding earning assets | 0.1860% | 3,104 |
| Net interest margin | 2.9344% | 3,073 |
| Noninterest income to average assets | 0.7778% | 1,107 |
| Noninterest expense to average assets | 1.9316% | 3,629 |
| Loan and lease loss provision to assets | 0.0466% | 1,731 |
| Net operating income to assets | 1.2152% | 1,382 |
| Return on assets (ROA) | 1.2149% | 1,370 |
| Pretax return on assets | 1.5227% | 1,117 |
| Return on Equity (ROE) | 13.1166% | 1,352 |
| Retained earnings to average equity (ytd only) | 6.6558% | 2,111 |
| Net charge-offs to loans | 0.0161% | 1,431 |
| Credit loss provision to net charge-offs | 444.2509% | 664 |
| Earnings coverage of net charge-offs (x) | 148.9721% | 648 |
| Efficiency ratio | 54.8397% | 3,881 |
| Assets per employee ($millions) | 8.6582% | 1,000 |
| Cash dividends to net income (ytd only)* | 49.2566% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9187% | 3,898 |
| Loan loss allowance to noncurrent loans | 977.0043% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 3,335 |
| Noncurrent loans to loans | 0.0940% | 3,302 |
| Net loans and leases to total assets | 67.7093% | 1,504 |
| Net loans and leases to deposits | 80.9070% | 1,319 |
| Net loans and leases to core deposits | 83.7180% | 1,470 |
| Total domestic deposits to total assets | 83.6879% | 3,745 |
| Equity capital to assets | 8.4514% | 2,797 |
| Core capital (leverage) ratio | 8.6711% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2979% | 2,373 |
| Memoranda: | ||
| Average total assets | $5,447,621,667 | 257 |
| Average earning assets | $5,055,918,333 | 253 |
| Average equity | $504,581,667 | 266 |
| Average total loans | $3,568,593,000 | 242 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0740% | 3,048 |
| Cost of funding earning assets | 0.1465% | 3,545 |
| Net interest margin | 2.9274% | 2,743 |
| Noninterest income to average assets | 0.7342% | 1,209 |
| Noninterest expense to average assets | 1.9295% | 3,614 |
| Loan and lease loss provision to assets | -0.0790% | 4,566 |
| Net operating income to assets | 1.2768% | 1,053 |
| Return on assets (ROA) | 1.2768% | 1,046 |
| Pretax return on assets | 1.6025% | 823 |
| Return on Equity (ROE) | 13.2058% | 996 |
| Retained earnings to average equity (ytd only) | 7.0505% | 1,882 |
| Net charge-offs to loans | 0.0287% | 1,030 |
| Credit loss provision to net charge-offs | -494.4000% | 3,130 |
| Earnings coverage of net charge-offs (x) | 82.9440% | 733 |
| Efficiency ratio | 55.5461% | 3,918 |
| Assets per employee ($millions) | 8.6929% | 1,025 |
| Cash dividends to net income (ytd only)* | 46.6107% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 4,048 |
| Loan loss allowance to noncurrent loans | 713.6119% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,256 |
| Noncurrent loans to loans | 0.1257% | 3,192 |
| Net loans and leases to total assets | 64.9007% | 1,512 |
| Net loans and leases to deposits | 75.9913% | 1,448 |
| Net loans and leases to core deposits | 80.0158% | 1,478 |
| Total domestic deposits to total assets | 85.4055% | 3,432 |
| Equity capital to assets | 9.1494% | 2,574 |
| Core capital (leverage) ratio | 8.6472% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5561% | 2,392 |
| Memoranda: | ||
| Average total assets | $5,444,095,500 | 260 |
| Average earning assets | $5,056,146,500 | 257 |
| Average equity | $526,374,500 | 266 |
| Average total loans | $3,489,106,000 | 246 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0948% | 3,693 |
| Cost of funding earning assets | 0.1708% | 3,770 |
| Net interest margin | 2.9241% | 3,389 |
| Noninterest income to average assets | 0.9618% | 1,071 |
| Noninterest expense to average assets | 1.9897% | 3,703 |
| Loan and lease loss provision to assets | -0.0613% | 4,410 |
| Net operating income to assets | 1.3743% | 1,364 |
| Return on assets (ROA) | 1.3743% | 1,415 |
| Pretax return on assets | 1.7272% | 1,078 |
| Return on Equity (ROE) | 12.8579% | 1,501 |
| Retained earnings to average equity (ytd only) | 5.3662% | 2,637 |
| Net charge-offs to loans | 0.0239% | 1,765 |
| Credit loss provision to net charge-offs | -481.9444% | 3,753 |
| Earnings coverage of net charge-offs (x) | 109.5404% | 833 |
| Efficiency ratio | 54.0836% | 3,920 |
| Assets per employee ($millions) | 8.7981% | 982 |
| Cash dividends to net income (ytd only)* | 58.2655% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 3,880 |
| Loan loss allowance to noncurrent loans | 768.5694% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 3,366 |
| Noncurrent loans to loans | 0.1259% | 3,302 |
| Net loans and leases to total assets | 62.1034% | 1,927 |
| Net loans and leases to deposits | 73.3118% | 1,791 |
| Net loans and leases to core deposits | 78.0932% | 1,754 |
| Total domestic deposits to total assets | 84.7113% | 3,356 |
| Equity capital to assets | 10.1810% | 2,489 |
| Core capital (leverage) ratio | 8.3074% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7784% | 2,328 |
| Memoranda: | ||
| Average total assets | $5,207,576,200 | 266 |
| Average earning assets | $4,797,611,400 | 260 |
| Average equity | $556,616,600 | 253 |
| Average total loans | $3,317,025,600 | 252 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0776% | 3,858 |
| Cost of funding earning assets | 0.1745% | 3,875 |
| Net interest margin | 2.9031% | 3,545 |
| Noninterest income to average assets | 0.9844% | 1,097 |
| Noninterest expense to average assets | 1.9894% | 3,713 |
| Loan and lease loss provision to assets | -0.1147% | 4,634 |
| Net operating income to assets | 1.4146% | 1,496 |
| Return on assets (ROA) | 1.4146% | 1,556 |
| Pretax return on assets | 1.7780% | 1,213 |
| Return on Equity (ROE) | 13.0691% | 1,672 |
| Retained earnings to average equity (ytd only) | 5.2073% | 3,138 |
| Net charge-offs to loans | 0.0226% | 1,596 |
| Credit loss provision to net charge-offs | -905.9353% | 3,830 |
| Earnings coverage of net charge-offs (x) | 115.3076% | 796 |
| Efficiency ratio | 54.1146% | 3,794 |
| Assets per employee ($millions) | 8.9747% | 900 |
| Cash dividends to net income (ytd only)* | 60.1559% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 3,939 |
| Loan loss allowance to noncurrent loans | 636.2776% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 3,464 |
| Noncurrent loans to loans | 0.1525% | 3,359 |
| Net loans and leases to total assets | 60.0681% | 2,251 |
| Net loans and leases to deposits | 70.9683% | 2,146 |
| Net loans and leases to core deposits | 77.0727% | 1,957 |
| Total domestic deposits to total assets | 84.6407% | 3,249 |
| Equity capital to assets | 10.2265% | 2,683 |
| Core capital (leverage) ratio | 8.4449% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0240% | 2,353 |
| Memoranda: | ||
| Average total assets | $5,139,161,000 | 265 |
| Average earning assets | $4,723,381,000 | 263 |
| Average equity | $556,259,500 | 254 |
| Average total loans | $3,286,959,750 | 254 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 3,842 |
| Cost of funding earning assets | 0.1810% | 3,936 |
| Net interest margin | 2.9299% | 3,503 |
| Noninterest income to average assets | 1.0670% | 966 |
| Noninterest expense to average assets | 2.0089% | 3,672 |
| Loan and lease loss provision to assets | -0.2133% | 4,775 |
| Net operating income to assets | 1.5658% | 1,129 |
| Return on assets (ROA) | 1.5658% | 1,191 |
| Pretax return on assets | 1.9576% | 904 |
| Return on Equity (ROE) | 14.1817% | 1,360 |
| Retained earnings to average equity (ytd only) | 5.2409% | 3,104 |
| Net charge-offs to loans | 0.0305% | 1,360 |
| Credit loss provision to net charge-offs | -1,063.3267% | 3,673 |
| Earnings coverage of net charge-offs (x) | 87.8156% | 798 |
| Efficiency ratio | 53.1770% | 3,907 |
| Assets per employee ($millions) | 8.2100% | 1,113 |
| Cash dividends to net income (ytd only)* | 63.0450% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 3,923 |
| Loan loss allowance to noncurrent loans | 545.0527% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 3,452 |
| Noncurrent loans to loans | 0.1782% | 3,325 |
| Net loans and leases to total assets | 63.7077% | 1,981 |
| Net loans and leases to deposits | 75.4723% | 1,873 |
| Net loans and leases to core deposits | 82.4784% | 1,682 |
| Total domestic deposits to total assets | 84.4120% | 3,306 |
| Equity capital to assets | 10.8887% | 2,078 |
| Core capital (leverage) ratio | 8.7243% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1360% | 2,313 |
| Memoranda: | ||
| Average total assets | $5,024,368,000 | 265 |
| Average earning assets | $4,606,391,000 | 262 |
| Average equity | $554,755,333 | 253 |
| Average total loans | $3,273,903,333 | 256 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1131% | 3,852 |
| Cost of funding earning assets | 0.1891% | 4,015 |
| Net interest margin | 2.9240% | 3,455 |
| Noninterest income to average assets | 1.2365% | 815 |
| Noninterest expense to average assets | 2.0061% | 3,698 |
| Loan and lease loss provision to assets | -0.1574% | 4,781 |
| Net operating income to assets | 1.6502% | 1,020 |
| Return on assets (ROA) | 1.6502% | 1,071 |
| Pretax return on assets | 2.0622% | 854 |
| Return on Equity (ROE) | 14.8394% | 1,251 |
| Retained earnings to average equity (ytd only) | 2.5378% | 3,905 |
| Net charge-offs to loans | 0.0290% | 1,197 |
| Credit loss provision to net charge-offs | -785.5932% | 3,290 |
| Earnings coverage of net charge-offs (x) | 100.3051% | 615 |
| Efficiency ratio | 50.9578% | 4,103 |
| Assets per employee ($millions) | 8.4051% | 1,032 |
| Cash dividends to net income (ytd only)* | 82.8985% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 3,444 |
| Loan loss allowance to noncurrent loans | 471.9657% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 3,395 |
| Noncurrent loans to loans | 0.2326% | 3,273 |
| Net loans and leases to total assets | 63.6016% | 2,094 |
| Net loans and leases to deposits | 75.6353% | 1,954 |
| Net loans and leases to core deposits | 79.1049% | 2,087 |
| Total domestic deposits to total assets | 84.0899% | 3,403 |
| Equity capital to assets | 10.7871% | 2,020 |
| Core capital (leverage) ratio | 8.8710% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5303% | 2,071 |
| Memoranda: | ||
| Average total assets | $4,970,929,500 | 264 |
| Average earning assets | $4,546,702,000 | 261 |
| Average equity | $552,770,500 | 250 |
| Average total loans | $3,260,327,000 | 257 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 3,798 |
| Cost of funding earning assets | 0.3933% | 3,621 |
| Net interest margin | 3.2142% | 3,321 |
| Noninterest income to average assets | 1.0579% | 946 |
| Noninterest expense to average assets | 2.0664% | 4,008 |
| Loan and lease loss provision to assets | 0.2763% | 1,385 |
| Net operating income to assets | 1.3107% | 1,220 |
| Return on assets (ROA) | 1.3107% | 1,323 |
| Pretax return on assets | 1.6419% | 977 |
| Return on Equity (ROE) | 11.5488% | 1,458 |
| Retained earnings to average equity (ytd only) | 4.2916% | 2,654 |
| Net charge-offs to loans | 0.0232% | 2,582 |
| Credit loss provision to net charge-offs | 1,752.6525% | 490 |
| Earnings coverage of net charge-offs (x) | 121.6936% | 701 |
| Efficiency ratio | 51.5028% | 4,418 |
| Assets per employee ($millions) | 8.0026% | 1,035 |
| Cash dividends to net income (ytd only)* | 62.8399% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 3,155 |
| Loan loss allowance to noncurrent loans | 494.8380% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 3,463 |
| Noncurrent loans to loans | 0.2346% | 3,358 |
| Net loans and leases to total assets | 66.1425% | 2,083 |
| Net loans and leases to deposits | 79.8126% | 1,885 |
| Net loans and leases to core deposits | 83.7877% | 2,054 |
| Total domestic deposits to total assets | 82.8722% | 3,446 |
| Equity capital to assets | 11.4663% | 1,910 |
| Core capital (leverage) ratio | 8.6402% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2816% | 2,130 |
| Memoranda: | ||
| Average total assets | $4,783,632,200 | 253 |
| Average earning assets | $4,355,783,800 | 250 |
| Average equity | $542,903,000 | 245 |
| Average total loans | $3,245,831,200 | 250 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 3,952 |
| Cost of funding earning assets | 0.4423% | 3,569 |
| Net interest margin | 3.1861% | 3,522 |
| Noninterest income to average assets | 1.0157% | 1,000 |
| Noninterest expense to average assets | 2.0436% | 4,064 |
| Loan and lease loss provision to assets | 0.3409% | 1,129 |
| Net operating income to assets | 1.2231% | 1,572 |
| Return on assets (ROA) | 1.2231% | 1,686 |
| Pretax return on assets | 1.5328% | 1,371 |
| Return on Equity (ROE) | 10.8052% | 1,748 |
| Retained earnings to average equity (ytd only) | 5.2634% | 2,445 |
| Net charge-offs to loans | 0.0382% | 2,083 |
| Credit loss provision to net charge-offs | 1,310.2260% | 689 |
| Earnings coverage of net charge-offs (x) | 72.0226% | 976 |
| Efficiency ratio | 51.8029% | 4,357 |
| Assets per employee ($millions) | 8.5490% | 827 |
| Cash dividends to net income (ytd only)* | 51.2879% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,217 |
| Loan loss allowance to noncurrent loans | 444.1273% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 3,620 |
| Noncurrent loans to loans | 0.2475% | 3,413 |
| Net loans and leases to total assets | 63.8742% | 2,785 |
| Net loans and leases to deposits | 77.1471% | 2,636 |
| Net loans and leases to core deposits | 81.4012% | 2,709 |
| Total domestic deposits to total assets | 82.7954% | 3,192 |
| Equity capital to assets | 10.8914% | 2,487 |
| Core capital (leverage) ratio | 8.7046% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2911% | 2,068 |
| Memoranda: | ||
| Average total assets | $4,761,142,250 | 251 |
| Average earning assets | $4,335,949,000 | 248 |
| Average equity | $538,923,750 | 245 |
| Average total loans | $3,241,944,250 | 250 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7614% | 3,966 |
| Cost of funding earning assets | 0.5291% | 3,355 |
| Net interest margin | 3.2323% | 3,572 |
| Noninterest income to average assets | 1.0152% | 953 |
| Noninterest expense to average assets | 2.0623% | 4,109 |
| Loan and lease loss provision to assets | 0.4818% | 765 |
| Net operating income to assets | 1.1248% | 1,889 |
| Return on assets (ROA) | 1.1248% | 2,006 |
| Pretax return on assets | 1.4107% | 1,700 |
| Return on Equity (ROE) | 9.8004% | 2,048 |
| Retained earnings to average equity (ytd only) | 4.3904% | 2,747 |
| Net charge-offs to loans | 0.0500% | 1,769 |
| Credit loss provision to net charge-offs | 1,389.6766% | 633 |
| Earnings coverage of net charge-offs (x) | 54.5883% | 1,041 |
| Efficiency ratio | 51.7756% | 4,370 |
| Assets per employee ($millions) | 7.8952% | 1,013 |
| Cash dividends to net income (ytd only)* | 55.2020% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,291 |
| Loan loss allowance to noncurrent loans | 415.2723% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 3,655 |
| Noncurrent loans to loans | 0.2545% | 3,468 |
| Net loans and leases to total assets | 67.4255% | 2,438 |
| Net loans and leases to deposits | 82.8082% | 2,110 |
| Net loans and leases to core deposits | 85.5916% | 2,476 |
| Total domestic deposits to total assets | 81.4237% | 3,519 |
| Equity capital to assets | 11.1389% | 2,219 |
| Core capital (leverage) ratio | 8.7096% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7479% | 2,293 |
| Memoranda: | ||
| Average total assets | $4,638,389,667 | 253 |
| Average earning assets | $4,218,278,333 | 250 |
| Average equity | $532,344,000 | 247 |
| Average total loans | $3,218,333,333 | 249 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 3,977 |
| Cost of funding earning assets | 0.7298% | 2,782 |
| Net interest margin | 3.2003% | 3,850 |
| Noninterest income to average assets | 1.0193% | 821 |
| Noninterest expense to average assets | 2.1770% | 4,068 |
| Loan and lease loss provision to assets | 0.1578% | 1,827 |
| Net operating income to assets | 1.2753% | 1,310 |
| Return on assets (ROA) | 1.2753% | 1,410 |
| Pretax return on assets | 1.5992% | 1,057 |
| Return on Equity (ROE) | 10.9346% | 1,431 |
| Retained earnings to average equity (ytd only) | 5.6644% | 2,006 |
| Net charge-offs to loans | 0.0537% | 1,472 |
| Credit loss provision to net charge-offs | 419.9052% | 971 |
| Earnings coverage of net charge-offs (x) | 46.7393% | 947 |
| Efficiency ratio | 54.9532% | 4,316 |
| Assets per employee ($millions) | 7.1080% | 1,045 |
| Cash dividends to net income (ytd only)* | 48.1978% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8326% | 4,328 |
| Loan loss allowance to noncurrent loans | 362.4573% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 3,851 |
| Noncurrent loans to loans | 0.2297% | 3,664 |
| Net loans and leases to total assets | 69.1173% | 2,382 |
| Net loans and leases to deposits | 88.1543% | 1,741 |
| Net loans and leases to core deposits | 93.9604% | 1,982 |
| Total domestic deposits to total assets | 78.4049% | 4,156 |
| Equity capital to assets | 11.7765% | 2,231 |
| Core capital (leverage) ratio | 9.3260% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0793% | 2,660 |
| Memoranda: | ||
| Average total assets | $4,490,348,500 | 255 |
| Average earning assets | $4,089,642,000 | 252 |
| Average equity | $523,693,500 | 253 |
| Average total loans | $3,146,184,500 | 252 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1758% | 3,866 |
| Cost of funding earning assets | 0.9351% | 2,033 |
| Net interest margin | 3.2407% | 4,109 |
| Noninterest income to average assets | 0.9412% | 1,090 |
| Noninterest expense to average assets | 2.1475% | 4,274 |
| Loan and lease loss provision to assets | 0.0650% | 2,727 |
| Net operating income to assets | 1.3521% | 1,496 |
| Return on assets (ROA) | 1.3502% | 1,583 |
| Pretax return on assets | 1.6916% | 1,209 |
| Return on Equity (ROE) | 12.0618% | 1,489 |
| Retained earnings to average equity (ytd only) | 4.5789% | 2,661 |
| Net charge-offs to loans | 0.0779% | 1,989 |
| Credit loss provision to net charge-offs | 119.1011% | 2,126 |
| Earnings coverage of net charge-offs (x) | 32.2455% | 1,509 |
| Efficiency ratio | 54.5639% | 4,368 |
| Assets per employee ($millions) | 7.0004% | 1,038 |
| Cash dividends to net income (ytd only)* | 62.0377% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 4,278 |
| Loan loss allowance to noncurrent loans | 308.6194% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 3,716 |
| Noncurrent loans to loans | 0.2625% | 3,504 |
| Net loans and leases to total assets | 69.8760% | 2,419 |
| Net loans and leases to deposits | 86.3637% | 2,044 |
| Net loans and leases to core deposits | 92.8430% | 2,171 |
| Total domestic deposits to total assets | 80.9090% | 3,788 |
| Equity capital to assets | 11.5447% | 2,493 |
| Core capital (leverage) ratio | 9.1859% | 4,370 |
| Tier 1 risk-based capital ratio | 12.6516% | 3,973 |
| Total risk-based capital ratio | 13.4517% | 4,123 |
| Memoranda: | ||
| Average total assets | $4,405,349,000 | 248 |
| Average earning assets | $4,030,829,000 | 245 |
| Average equity | $493,126,600 | 251 |
| Average total loans | $3,085,851,800 | 246 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,926 |
| Cost of funding earning assets | 0.9680% | 1,899 |
| Net interest margin | 3.2281% | 4,236 |
| Noninterest income to average assets | 0.9144% | 1,114 |
| Noninterest expense to average assets | 2.1182% | 4,331 |
| Loan and lease loss provision to assets | 0.0805% | 2,300 |
| Net operating income to assets | 1.3340% | 1,709 |
| Return on assets (ROA) | 1.3347% | 1,778 |
| Pretax return on assets | 1.6699% | 1,420 |
| Return on Equity (ROE) | 12.0180% | 1,612 |
| Retained earnings to average equity (ytd only) | 4.0038% | 3,396 |
| Net charge-offs to loans | 0.0728% | 1,786 |
| Credit loss provision to net charge-offs | 158.0262% | 1,568 |
| Earnings coverage of net charge-offs (x) | 34.3585% | 1,500 |
| Efficiency ratio | 54.3516% | 4,356 |
| Assets per employee ($millions) | 7.1436% | 973 |
| Cash dividends to net income (ytd only)* | 66.6848% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 4,345 |
| Loan loss allowance to noncurrent loans | 253.7086% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 3,672 |
| Noncurrent loans to loans | 0.3238% | 3,372 |
| Net loans and leases to total assets | 68.9124% | 2,639 |
| Net loans and leases to deposits | 85.0022% | 2,322 |
| Net loans and leases to core deposits | 92.2319% | 2,343 |
| Total domestic deposits to total assets | 81.0713% | 3,733 |
| Equity capital to assets | 11.2498% | 2,879 |
| Core capital (leverage) ratio | 9.0087% | 4,631 |
| Tier 1 risk-based capital ratio | 12.1631% | 4,334 |
| Total risk-based capital ratio | 12.9644% | 4,462 |
| Memoranda: | ||
| Average total assets | $4,404,123,750 | 250 |
| Average earning assets | $4,029,245,500 | 247 |
| Average equity | $489,121,000 | 256 |
| Average total loans | $3,080,595,500 | 250 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 3,909 |
| Cost of funding earning assets | 0.9714% | 1,821 |
| Net interest margin | 3.2363% | 4,274 |
| Noninterest income to average assets | 0.8876% | 1,098 |
| Noninterest expense to average assets | 2.1211% | 4,376 |
| Loan and lease loss provision to assets | 0.0881% | 2,083 |
| Net operating income to assets | 1.3188% | 1,700 |
| Return on assets (ROA) | 1.3198% | 1,758 |
| Pretax return on assets | 1.6473% | 1,405 |
| Return on Equity (ROE) | 11.9368% | 1,600 |
| Retained earnings to average equity (ytd only) | 5.9789% | 2,291 |
| Net charge-offs to loans | 0.0309% | 2,237 |
| Credit loss provision to net charge-offs | 406.1181% | 706 |
| Earnings coverage of net charge-offs (x) | 79.9747% | 815 |
| Efficiency ratio | 54.6010% | 4,401 |
| Assets per employee ($millions) | 6.9204% | 1,042 |
| Cash dividends to net income (ytd only)* | 49.9116% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 4,307 |
| Loan loss allowance to noncurrent loans | 228.3184% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 3,521 |
| Noncurrent loans to loans | 0.3680% | 3,205 |
| Net loans and leases to total assets | 69.7052% | 2,567 |
| Net loans and leases to deposits | 85.2952% | 2,339 |
| Net loans and leases to core deposits | 95.6648% | 2,104 |
| Total domestic deposits to total assets | 81.7223% | 3,600 |
| Equity capital to assets | 11.3232% | 2,766 |
| Core capital (leverage) ratio | 9.1232% | 4,529 |
| Tier 1 risk-based capital ratio | 12.2733% | 4,254 |
| Total risk-based capital ratio | 13.0982% | 4,384 |
| Memoranda: | ||
| Average total assets | $4,372,002,000 | 252 |
| Average earning assets | $4,008,954,330 | 250 |
| Average equity | $483,396,000 | 256 |
| Average total loans | $3,065,099,670 | 254 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 3,836 |
| Cost of funding earning assets | 0.9437% | 1,817 |
| Net interest margin | 3.2640% | 4,245 |
| Noninterest income to average assets | 0.8459% | 1,175 |
| Noninterest expense to average assets | 2.0798% | 4,494 |
| Loan and lease loss provision to assets | 0.0691% | 2,277 |
| Net operating income to assets | 1.3610% | 1,484 |
| Return on assets (ROA) | 1.3610% | 1,527 |
| Pretax return on assets | 1.6954% | 1,219 |
| Return on Equity (ROE) | 12.4628% | 1,394 |
| Retained earnings to average equity (ytd only) | 6.5599% | 2,220 |
| Net charge-offs to loans | 0.0343% | 1,779 |
| Credit loss provision to net charge-offs | 287.3563% | 851 |
| Earnings coverage of net charge-offs (x) | 73.4100% | 820 |
| Efficiency ratio | 53.6796% | 4,561 |
| Assets per employee ($millions) | 7.1742% | 927 |
| Cash dividends to net income (ytd only)* | 47.3645% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 4,436 |
| Loan loss allowance to noncurrent loans | 247.8706% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 3,636 |
| Noncurrent loans to loans | 0.3332% | 3,380 |
| Net loans and leases to total assets | 68.6960% | 2,660 |
| Net loans and leases to deposits | 83.8139% | 2,408 |
| Net loans and leases to core deposits | 93.0659% | 2,204 |
| Total domestic deposits to total assets | 81.9625% | 3,735 |
| Equity capital to assets | 10.9829% | 2,876 |
| Core capital (leverage) ratio | 9.0180% | 4,641 |
| Tier 1 risk-based capital ratio | 12.4859% | 4,176 |
| Total risk-based capital ratio | 13.3092% | 4,321 |
| Memoranda: | ||
| Average total assets | $4,343,482,000 | 254 |
| Average earning assets | $3,990,066,500 | 252 |
| Average equity | $474,339,000 | 260 |
| Average total loans | $3,040,931,000 | 255 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 4,086 |
| Cost of funding earning assets | 0.7251% | 1,930 |
| Net interest margin | 3.2530% | 4,370 |
| Noninterest income to average assets | 0.9124% | 1,151 |
| Noninterest expense to average assets | 2.1995% | 4,337 |
| Loan and lease loss provision to assets | 0.0203% | 3,754 |
| Net operating income to assets | 1.3443% | 1,640 |
| Return on assets (ROA) | 1.3497% | 1,604 |
| Pretax return on assets | 1.6762% | 1,226 |
| Return on Equity (ROE) | 12.4853% | 1,552 |
| Retained earnings to average equity (ytd only) | 6.2283% | 2,076 |
| Net charge-offs to loans | 0.0105% | 3,319 |
| Credit loss provision to net charge-offs | 277.9605% | 1,091 |
| Earnings coverage of net charge-offs (x) | 230.9441% | 407 |
| Efficiency ratio | 56.1024% | 4,395 |
| Assets per employee ($millions) | 6.9626% | 990 |
| Cash dividends to net income (ytd only)* | 50.1150% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8154% | 4,480 |
| Loan loss allowance to noncurrent loans | 234.3703% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 3,602 |
| Noncurrent loans to loans | 0.3479% | 3,295 |
| Net loans and leases to total assets | 70.1988% | 2,538 |
| Net loans and leases to deposits | 85.9613% | 2,278 |
| Net loans and leases to core deposits | 94.8274% | 2,155 |
| Total domestic deposits to total assets | 81.6633% | 3,732 |
| Equity capital to assets | 10.8567% | 2,840 |
| Core capital (leverage) ratio | 9.0641% | 4,587 |
| Tier 1 risk-based capital ratio | 12.3650% | 4,202 |
| Total risk-based capital ratio | 13.1826% | 4,358 |
| Memoranda: | ||
| Average total assets | $4,154,457,400 | 256 |
| Average earning assets | $3,802,035,000 | 255 |
| Average equity | $449,096,400 | 263 |
| Average total loans | $2,883,809,800 | 261 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9200% | 4,162 |
| Cost of funding earning assets | 0.6919% | 1,890 |
| Net interest margin | 3.2281% | 4,456 |
| Noninterest income to average assets | 0.9036% | 1,189 |
| Noninterest expense to average assets | 2.1959% | 4,333 |
| Loan and lease loss provision to assets | 0.0273% | 3,458 |
| Net operating income to assets | 1.3179% | 1,783 |
| Return on assets (ROA) | 1.3361% | 1,730 |
| Pretax return on assets | 1.6544% | 1,399 |
| Return on Equity (ROE) | 12.3737% | 1,652 |
| Retained earnings to average equity (ytd only) | 6.1737% | 2,563 |
| Net charge-offs to loans | 0.0698% | 1,838 |
| Credit loss provision to net charge-offs | 56.7114% | 2,780 |
| Earnings coverage of net charge-offs (x) | 34.4315% | 1,479 |
| Efficiency ratio | 56.5038% | 4,315 |
| Assets per employee ($millions) | 6.6014% | 1,136 |
| Cash dividends to net income (ytd only)* | 50.1065% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 4,593 |
| Loan loss allowance to noncurrent loans | 157.9880% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 3,226 |
| Noncurrent loans to loans | 0.5101% | 2,856 |
| Net loans and leases to total assets | 69.4013% | 2,740 |
| Net loans and leases to deposits | 89.0192% | 2,018 |
| Net loans and leases to core deposits | 97.9930% | 1,933 |
| Total domestic deposits to total assets | 77.9622% | 4,490 |
| Equity capital to assets | 10.7658% | 2,879 |
| Core capital (leverage) ratio | 8.9908% | 4,717 |
| Tier 1 risk-based capital ratio | 12.6062% | 4,155 |
| Total risk-based capital ratio | 13.4163% | 4,299 |
| Memoranda: | ||
| Average total assets | $4,122,572,000 | 258 |
| Average earning assets | $3,769,380,750 | 256 |
| Average equity | $445,149,250 | 263 |
| Average total loans | $2,847,106,000 | 263 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 4,208 |
| Cost of funding earning assets | 0.6548% | 1,902 |
| Net interest margin | 3.1979% | 4,510 |
| Noninterest income to average assets | 0.8856% | 1,223 |
| Noninterest expense to average assets | 2.1853% | 4,402 |
| Loan and lease loss provision to assets | 0.0239% | 3,442 |
| Net operating income to assets | 1.2887% | 1,823 |
| Return on assets (ROA) | 1.2899% | 1,808 |
| Pretax return on assets | 1.6008% | 1,498 |
| Return on Equity (ROE) | 11.9339% | 1,750 |
| Retained earnings to average equity (ytd only) | 6.1206% | 2,491 |
| Net charge-offs to loans | 0.0703% | 1,636 |
| Credit loss provision to net charge-offs | 49.3454% | 2,501 |
| Earnings coverage of net charge-offs (x) | 33.5579% | 1,414 |
| Efficiency ratio | 56.9179% | 4,372 |
| Assets per employee ($millions) | 6.6430% | 1,105 |
| Cash dividends to net income (ytd only)* | 48.7123% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 4,634 |
| Loan loss allowance to noncurrent loans | 149.7027% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 3,214 |
| Noncurrent loans to loans | 0.5489% | 2,769 |
| Net loans and leases to total assets | 68.3634% | 2,818 |
| Net loans and leases to deposits | 92.6153% | 1,511 |
| Net loans and leases to core deposits | 100.1693% | 1,721 |
| Total domestic deposits to total assets | 73.8144% | 5,062 |
| Equity capital to assets | 10.6540% | 2,965 |
| Core capital (leverage) ratio | 8.9339% | 4,744 |
| Tier 1 risk-based capital ratio | 12.4413% | 4,227 |
| Total risk-based capital ratio | 13.2623% | 4,363 |
| Memoranda: | ||
| Average total assets | $4,106,071,000 | 256 |
| Average earning assets | $3,752,857,670 | 256 |
| Average equity | $443,813,000 | 260 |
| Average total loans | $2,823,141,000 | 261 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 4,243 |
| Cost of funding earning assets | 0.5943% | 2,096 |
| Net interest margin | 3.1950% | 4,477 |
| Noninterest income to average assets | 0.8533% | 1,288 |
| Noninterest expense to average assets | 2.1777% | 4,467 |
| Loan and lease loss provision to assets | -0.0491% | 5,463 |
| Net operating income to assets | 1.3247% | 1,563 |
| Return on assets (ROA) | 1.3247% | 1,568 |
| Pretax return on assets | 1.6460% | 1,254 |
| Return on Equity (ROE) | 12.1661% | 1,519 |
| Retained earnings to average equity (ytd only) | 6.7501% | 2,385 |
| Net charge-offs to loans | 0.0975% | 1,202 |
| Credit loss provision to net charge-offs | -73.4214% | 3,648 |
| Earnings coverage of net charge-offs (x) | 23.8590% | 1,373 |
| Efficiency ratio | 57.2217% | 4,441 |
| Assets per employee ($millions) | 6.6407% | 1,126 |
| Cash dividends to net income (ytd only)* | 44.5170% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 4,727 |
| Loan loss allowance to noncurrent loans | 154.3264% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 3,368 |
| Noncurrent loans to loans | 0.5323% | 2,929 |
| Net loans and leases to total assets | 67.7448% | 2,792 |
| Net loans and leases to deposits | 90.9991% | 1,561 |
| Net loans and leases to core deposits | 96.2614% | 1,958 |
| Total domestic deposits to total assets | 74.4456% | 5,111 |
| Equity capital to assets | 10.7884% | 2,782 |
| Core capital (leverage) ratio | 8.9231% | 4,771 |
| Tier 1 risk-based capital ratio | 12.4945% | 4,241 |
| Total risk-based capital ratio | 13.3103% | 4,404 |
| Memoranda: | ||
| Average total assets | $4,069,891,000 | 257 |
| Average earning assets | $3,721,219,000 | 256 |
| Average equity | $443,134,000 | 261 |
| Average total loans | $2,794,619,000 | 262 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 4,194 |
| Cost of funding earning assets | 0.4807% | 2,496 |
| Net interest margin | 3.2770% | 4,225 |
| Noninterest income to average assets | 0.9568% | 1,119 |
| Noninterest expense to average assets | 2.2178% | 4,492 |
| Loan and lease loss provision to assets | 0.0763% | 2,673 |
| Net operating income to assets | 0.8490% | 2,960 |
| Return on assets (ROA) | 0.8623% | 2,928 |
| Pretax return on assets | 1.6731% | 1,088 |
| Return on Equity (ROE) | 7.7860% | 2,892 |
| Retained earnings to average equity (ytd only) | 3.9618% | 2,820 |
| Net charge-offs to loans | 0.0727% | 2,408 |
| Credit loss provision to net charge-offs | 153.5261% | 1,747 |
| Earnings coverage of net charge-offs (x) | 34.7900% | 1,384 |
| Efficiency ratio | 55.0425% | 4,858 |
| Assets per employee ($millions) | 6.5518% | 1,182 |
| Cash dividends to net income (ytd only)* | 49.1156% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,606 |
| Loan loss allowance to noncurrent loans | 157.8360% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 3,333 |
| Noncurrent loans to loans | 0.5488% | 2,856 |
| Net loans and leases to total assets | 68.4324% | 2,763 |
| Net loans and leases to deposits | 91.5491% | 1,586 |
| Net loans and leases to core deposits | 95.9463% | 2,025 |
| Total domestic deposits to total assets | 74.7494% | 5,111 |
| Equity capital to assets | 10.9892% | 2,634 |
| Core capital (leverage) ratio | 8.8011% | 4,859 |
| Tier 1 risk-based capital ratio | 12.3200% | 4,315 |
| Total risk-based capital ratio | 13.1830% | 4,459 |
| Memoranda: | ||
| Average total assets | $3,966,878,600 | 255 |
| Average earning assets | $3,618,972,400 | 249 |
| Average equity | $439,316,800 | 246 |
| Average total loans | $2,711,820,200 | 262 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 4,208 |
| Cost of funding earning assets | 0.4773% | 2,454 |
| Net interest margin | 3.2637% | 4,280 |
| Noninterest income to average assets | 0.9494% | 1,143 |
| Noninterest expense to average assets | 2.1948% | 4,529 |
| Loan and lease loss provision to assets | 0.0941% | 2,202 |
| Net operating income to assets | 1.1186% | 1,999 |
| Return on assets (ROA) | 1.1375% | 1,981 |
| Pretax return on assets | 1.6634% | 1,207 |
| Return on Equity (ROE) | 10.2513% | 2,014 |
| Retained earnings to average equity (ytd only) | 5.1383% | 2,783 |
| Net charge-offs to loans | 0.0737% | 2,079 |
| Credit loss provision to net charge-offs | 187.1054% | 1,419 |
| Earnings coverage of net charge-offs (x) | 34.3956% | 1,444 |
| Efficiency ratio | 54.7550% | 4,876 |
| Assets per employee ($millions) | 6.6196% | 1,118 |
| Cash dividends to net income (ytd only)* | 49.8768% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 4,633 |
| Loan loss allowance to noncurrent loans | 166.6872% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 3,534 |
| Noncurrent loans to loans | 0.5304% | 3,107 |
| Net loans and leases to total assets | 68.1136% | 2,832 |
| Net loans and leases to deposits | 91.8051% | 1,594 |
| Net loans and leases to core deposits | 97.1636% | 1,963 |
| Total domestic deposits to total assets | 74.1937% | 5,221 |
| Equity capital to assets | 11.1268% | 2,738 |
| Core capital (leverage) ratio | 8.6046% | 5,155 |
| Tier 1 risk-based capital ratio | 12.0080% | 4,611 |
| Total risk-based capital ratio | 12.8819% | 4,751 |
| Memoranda: | ||
| Average total assets | $3,947,976,750 | 254 |
| Average earning assets | $3,598,734,000 | 251 |
| Average equity | $438,087,250 | 248 |
| Average total loans | $2,692,139,750 | 261 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7069% | 4,213 |
| Cost of funding earning assets | 0.4579% | 2,524 |
| Net interest margin | 3.2490% | 4,271 |
| Noninterest income to average assets | 0.9478% | 1,137 |
| Noninterest expense to average assets | 2.2046% | 4,554 |
| Loan and lease loss provision to assets | 0.1011% | 1,995 |
| Net operating income to assets | 1.1055% | 1,946 |
| Return on assets (ROA) | 1.1055% | 1,996 |
| Pretax return on assets | 1.6031% | 1,334 |
| Return on Equity (ROE) | 9.9722% | 2,045 |
| Retained earnings to average equity (ytd only) | 5.0997% | 2,639 |
| Net charge-offs to loans | 0.0529% | 2,169 |
| Credit loss provision to net charge-offs | 281.0198% | 1,006 |
| Earnings coverage of net charge-offs (x) | 47.3669% | 1,119 |
| Efficiency ratio | 55.2189% | 4,904 |
| Assets per employee ($millions) | 6.5375% | 1,134 |
| Cash dividends to net income (ytd only)* | 48.8614% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,687 |
| Loan loss allowance to noncurrent loans | 94.6715% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 2,603 |
| Noncurrent loans to loans | 0.9380% | 2,093 |
| Net loans and leases to total assets | 67.8286% | 2,839 |
| Net loans and leases to deposits | 91.8854% | 1,509 |
| Net loans and leases to core deposits | 98.9634% | 1,729 |
| Total domestic deposits to total assets | 73.8187% | 5,309 |
| Equity capital to assets | 11.0049% | 2,800 |
| Core capital (leverage) ratio | 8.5627% | 5,174 |
| Tier 1 risk-based capital ratio | 11.8559% | 4,725 |
| Total risk-based capital ratio | 12.7344% | 4,859 |
| Memoranda: | ||
| Average total assets | $3,924,601,670 | 259 |
| Average earning assets | $3,576,677,330 | 255 |
| Average equity | $435,088,000 | 252 |
| Average total loans | $2,669,090,330 | 263 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 4,209 |
| Cost of funding earning assets | 0.4211% | 2,807 |
| Net interest margin | 3.2478% | 4,193 |
| Noninterest income to average assets | 0.8903% | 1,276 |
| Noninterest expense to average assets | 2.1901% | 4,672 |
| Loan and lease loss provision to assets | 0.0599% | 2,605 |
| Net operating income to assets | 1.1121% | 1,819 |
| Return on assets (ROA) | 1.1121% | 1,862 |
| Pretax return on assets | 1.5972% | 1,246 |
| Return on Equity (ROE) | 9.9935% | 1,961 |
| Retained earnings to average equity (ytd only) | 5.2686% | 2,748 |
| Net charge-offs to loans | -0.0037% | 4,102 |
| Credit loss provision to net charge-offs | -2,420.8333% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7107% | 4,963 |
| Assets per employee ($millions) | 6.2985% | 1,297 |
| Cash dividends to net income (ytd only)* | 47.2791% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 4,775 |
| Loan loss allowance to noncurrent loans | 110.2123% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 2,969 |
| Noncurrent loans to loans | 0.8119% | 2,419 |
| Net loans and leases to total assets | 67.0573% | 2,808 |
| Net loans and leases to deposits | 88.7788% | 1,697 |
| Net loans and leases to core deposits | 94.5814% | 1,925 |
| Total domestic deposits to total assets | 75.5330% | 5,281 |
| Equity capital to assets | 11.0888% | 2,544 |
| Core capital (leverage) ratio | 8.5763% | 5,173 |
| Tier 1 risk-based capital ratio | 12.0454% | 4,681 |
| Total risk-based capital ratio | 12.9297% | 4,823 |
| Memoranda: | ||
| Average total assets | $3,879,889,000 | 262 |
| Average earning assets | $3,532,277,500 | 259 |
| Average equity | $431,761,500 | 254 |
| Average total loans | $2,630,109,000 | 269 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 4,069 |
| Cost of funding earning assets | 0.3818% | 3,182 |
| Net interest margin | 3.3645% | 3,944 |
| Noninterest income to average assets | 0.9274% | 1,329 |
| Noninterest expense to average assets | 2.2462% | 4,661 |
| Loan and lease loss provision to assets | 0.1383% | 1,803 |
| Net operating income to assets | 1.1090% | 1,863 |
| Return on assets (ROA) | 1.1098% | 1,955 |
| Pretax return on assets | 1.5976% | 1,291 |
| Return on Equity (ROE) | 10.0147% | 1,954 |
| Retained earnings to average equity (ytd only) | 6.2245% | 1,594 |
| Net charge-offs to loans | 0.1292% | 1,948 |
| Credit loss provision to net charge-offs | 158.7526% | 1,733 |
| Earnings coverage of net charge-offs (x) | 19.9102% | 1,886 |
| Efficiency ratio | 55.2177% | 5,129 |
| Assets per employee ($millions) | 6.1572% | 1,364 |
| Cash dividends to net income (ytd only)* | 37.8456% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 4,834 |
| Loan loss allowance to noncurrent loans | 111.6014% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 3,044 |
| Noncurrent loans to loans | 0.7938% | 2,531 |
| Net loans and leases to total assets | 67.3145% | 2,885 |
| Net loans and leases to deposits | 90.7890% | 1,595 |
| Net loans and leases to core deposits | 104.8873% | 1,214 |
| Total domestic deposits to total assets | 74.1439% | 5,429 |
| Equity capital to assets | 11.1684% | 2,456 |
| Core capital (leverage) ratio | 8.5404% | 5,219 |
| Tier 1 risk-based capital ratio | 12.0475% | 4,696 |
| Total risk-based capital ratio | 12.9242% | 4,846 |
| Memoranda: | ||
| Average total assets | $3,809,376,600 | 248 |
| Average earning assets | $3,457,230,400 | 248 |
| Average equity | $422,151,400 | 247 |
| Average total loans | $2,568,942,200 | 258 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7663% | 4,030 |
| Cost of funding earning assets | 0.3876% | 3,148 |
| Net interest margin | 3.3787% | 3,922 |
| Noninterest income to average assets | 0.9149% | 1,359 |
| Noninterest expense to average assets | 2.2431% | 4,665 |
| Loan and lease loss provision to assets | 0.1763% | 1,274 |
| Net operating income to assets | 1.0862% | 2,058 |
| Return on assets (ROA) | 1.0862% | 2,157 |
| Pretax return on assets | 1.5648% | 1,482 |
| Return on Equity (ROE) | 10.0406% | 2,036 |
| Retained earnings to average equity (ytd only) | 6.4960% | 1,916 |
| Net charge-offs to loans | 0.1504% | 1,492 |
| Credit loss provision to net charge-offs | 173.5712% | 1,605 |
| Earnings coverage of net charge-offs (x) | 17.1434% | 2,067 |
| Efficiency ratio | 55.0886% | 5,151 |
| Assets per employee ($millions) | 6.3682% | 1,197 |
| Cash dividends to net income (ytd only)* | 35.3025% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 4,906 |
| Loan loss allowance to noncurrent loans | 110.7571% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 3,221 |
| Noncurrent loans to loans | 0.8036% | 2,657 |
| Net loans and leases to total assets | 66.9802% | 2,960 |
| Net loans and leases to deposits | 89.0974% | 1,876 |
| Net loans and leases to core deposits | 101.4601% | 1,520 |
| Total domestic deposits to total assets | 75.1764% | 5,322 |
| Equity capital to assets | 10.9640% | 3,050 |
| Core capital (leverage) ratio | 8.0631% | 5,655 |
| Tier 1 risk-based capital ratio | 11.4632% | 5,113 |
| Total risk-based capital ratio | 12.3417% | 5,226 |
| Memoranda: | ||
| Average total assets | $3,790,036,250 | 247 |
| Average earning assets | $3,442,965,750 | 247 |
| Average equity | $410,005,750 | 253 |
| Average total loans | $2,558,827,750 | 257 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7858% | 4,005 |
| Cost of funding earning assets | 0.3882% | 3,171 |
| Net interest margin | 3.3977% | 3,903 |
| Noninterest income to average assets | 0.8622% | 1,506 |
| Noninterest expense to average assets | 2.2786% | 4,665 |
| Loan and lease loss provision to assets | 0.1979% | 1,089 |
| Net operating income to assets | 1.0315% | 2,248 |
| Return on assets (ROA) | 1.0315% | 2,384 |
| Pretax return on assets | 1.4716% | 1,766 |
| Return on Equity (ROE) | 9.5791% | 2,241 |
| Retained earnings to average equity (ytd only) | 4.9885% | 2,749 |
| Net charge-offs to loans | 0.0924% | 1,915 |
| Credit loss provision to net charge-offs | 317.4766% | 924 |
| Earnings coverage of net charge-offs (x) | 26.7783% | 1,478 |
| Efficiency ratio | 56.4828% | 5,089 |
| Assets per employee ($millions) | 6.2447% | 1,237 |
| Cash dividends to net income (ytd only)* | 47.9233% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 4,925 |
| Loan loss allowance to noncurrent loans | 99.5467% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 3,091 |
| Noncurrent loans to loans | 0.9135% | 2,455 |
| Net loans and leases to total assets | 66.6457% | 2,989 |
| Net loans and leases to deposits | 92.4395% | 1,456 |
| Net loans and leases to core deposits | 104.2337% | 1,300 |
| Total domestic deposits to total assets | 72.0966% | 5,665 |
| Equity capital to assets | 10.7062% | 3,394 |
| Core capital (leverage) ratio | 7.9765% | 5,740 |
| Tier 1 risk-based capital ratio | 10.7694% | 5,539 |
| Total risk-based capital ratio | 11.6397% | 5,642 |
| Memoranda: | ||
| Average total assets | $3,762,769,670 | 250 |
| Average earning assets | $3,417,631,000 | 250 |
| Average equity | $405,172,000 | 255 |
| Average total loans | $2,539,552,670 | 258 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 3,959 |
| Cost of funding earning assets | 0.3792% | 3,304 |
| Net interest margin | 3.4169% | 3,812 |
| Noninterest income to average assets | 0.7287% | 1,912 |
| Noninterest expense to average assets | 2.3417% | 4,543 |
| Loan and lease loss provision to assets | 0.0939% | 2,122 |
| Net operating income to assets | 0.9641% | 2,441 |
| Return on assets (ROA) | 0.9641% | 2,556 |
| Pretax return on assets | 1.3993% | 1,908 |
| Return on Equity (ROE) | 8.9263% | 2,460 |
| Retained earnings to average equity (ytd only) | 4.1283% | 3,420 |
| Net charge-offs to loans | 0.1113% | 1,460 |
| Credit loss provision to net charge-offs | 124.8207% | 1,407 |
| Earnings coverage of net charge-offs (x) | 19.8451% | 1,491 |
| Efficiency ratio | 59.7754% | 4,777 |
| Assets per employee ($millions) | 5.7726% | 1,605 |
| Cash dividends to net income (ytd only)* | 53.7514% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 5,221 |
| Loan loss allowance to noncurrent loans | 130.9302% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 3,719 |
| Noncurrent loans to loans | 0.6495% | 3,226 |
| Net loans and leases to total assets | 66.7166% | 2,856 |
| Net loans and leases to deposits | 92.2586% | 1,312 |
| Net loans and leases to core deposits | 104.0779% | 1,187 |
| Total domestic deposits to total assets | 72.3148% | 5,753 |
| Equity capital to assets | 10.8854% | 3,062 |
| Core capital (leverage) ratio | 7.9685% | 5,786 |
| Tier 1 risk-based capital ratio | 10.9555% | 5,529 |
| Total risk-based capital ratio | 11.7717% | 5,650 |
| Memoranda: | ||
| Average total assets | $3,705,161,000 | 252 |
| Average earning assets | $3,368,346,000 | 252 |
| Average equity | $400,165,000 | 257 |
| Average total loans | $2,505,215,000 | 260 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 4,643 |
| Cost of funding earning assets | 0.3646% | 3,537 |
| Net interest margin | 3.2454% | 4,488 |
| Noninterest income to average assets | 0.7276% | 2,079 |
| Noninterest expense to average assets | 2.5465% | 4,082 |
| Loan and lease loss provision to assets | 0.0651% | 2,986 |
| Net operating income to assets | 0.7532% | 3,557 |
| Return on assets (ROA) | 0.7533% | 3,654 |
| Pretax return on assets | 1.1101% | 3,000 |
| Return on Equity (ROE) | 7.5268% | 3,238 |
| Retained earnings to average equity (ytd only) | -5.6345% | 5,944 |
| Net charge-offs to loans | 0.0973% | 2,448 |
| Credit loss provision to net charge-offs | 102.6483% | 2,443 |
| Earnings coverage of net charge-offs (x) | 18.5222% | 2,005 |
| Efficiency ratio | 67.3146% | 3,693 |
| Assets per employee ($millions) | 5.6634% | 1,645 |
| Cash dividends to net income (ytd only)* | 174.8595% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 5,276 |
| Loan loss allowance to noncurrent loans | 115.5223% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 3,508 |
| Noncurrent loans to loans | 0.7325% | 2,987 |
| Net loans and leases to total assets | 67.3688% | 2,806 |
| Net loans and leases to deposits | 90.1866% | 1,588 |
| Net loans and leases to core deposits | 102.3997% | 1,336 |
| Total domestic deposits to total assets | 74.6994% | 5,583 |
| Equity capital to assets | 10.7139% | 3,115 |
| Core capital (leverage) ratio | 8.3335% | 5,578 |
| Tier 1 risk-based capital ratio | 10.9337% | 5,555 |
| Total risk-based capital ratio | 11.7504% | 5,694 |
| Memoranda: | ||
| Average total assets | $2,976,027,000 | 279 |
| Average earning assets | $2,745,550,600 | 280 |
| Average equity | $297,842,800 | 306 |
| Average total loans | $1,940,989,000 | 295 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5500% | 4,866 |
| Cost of funding earning assets | 0.3710% | 3,539 |
| Net interest margin | 3.1790% | 4,743 |
| Noninterest income to average assets | 0.7394% | 2,068 |
| Noninterest expense to average assets | 2.2187% | 5,000 |
| Loan and lease loss provision to assets | 0.0463% | 3,279 |
| Net operating income to assets | 0.9630% | 2,656 |
| Return on assets (ROA) | 0.9632% | 2,742 |
| Pretax return on assets | 1.4231% | 1,922 |
| Return on Equity (ROE) | 9.8523% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.3707% | 2,662 |
| Net charge-offs to loans | 0.0708% | 2,553 |
| Credit loss provision to net charge-offs | 101.6736% | 2,227 |
| Earnings coverage of net charge-offs (x) | 32.2700% | 1,423 |
| Efficiency ratio | 59.1227% | 4,988 |
| Assets per employee ($millions) | 6.2932% | 1,182 |
| Cash dividends to net income (ytd only)* | 45.4883% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,905 |
| Loan loss allowance to noncurrent loans | 208.0126% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 4,311 |
| Noncurrent loans to loans | 0.5548% | 3,666 |
| Net loans and leases to total assets | 63.6278% | 3,363 |
| Net loans and leases to deposits | 89.2368% | 1,744 |
| Net loans and leases to core deposits | 106.6820% | 1,050 |
| Total domestic deposits to total assets | 71.3022% | 5,912 |
| Equity capital to assets | 9.8573% | 4,334 |
| Core capital (leverage) ratio | 8.5205% | 5,537 |
| Tier 1 risk-based capital ratio | 12.3673% | 4,844 |
| Total risk-based capital ratio | 13.4718% | 4,849 |
| Memoranda: | ||
| Average total assets | $2,799,727,500 | 300 |
| Average earning assets | $2,596,610,500 | 295 |
| Average equity | $273,702,500 | 332 |
| Average total loans | $1,800,945,250 | 309 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 4,810 |
| Cost of funding earning assets | 0.3722% | 3,576 |
| Net interest margin | 3.1972% | 4,674 |
| Noninterest income to average assets | 0.7231% | 2,121 |
| Noninterest expense to average assets | 2.2134% | 5,075 |
| Loan and lease loss provision to assets | 0.0496% | 3,124 |
| Net operating income to assets | 0.9667% | 2,553 |
| Return on assets (ROA) | 0.9667% | 2,661 |
| Pretax return on assets | 1.4250% | 1,889 |
| Return on Equity (ROE) | 9.9170% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.3493% | 2,641 |
| Net charge-offs to loans | 0.0685% | 2,414 |
| Credit loss provision to net charge-offs | 112.7243% | 1,892 |
| Earnings coverage of net charge-offs (x) | 33.4959% | 1,268 |
| Efficiency ratio | 58.9695% | 5,114 |
| Assets per employee ($millions) | 6.1615% | 1,240 |
| Cash dividends to net income (ytd only)* | 46.0590% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,963 |
| Loan loss allowance to noncurrent loans | 198.2044% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 4,292 |
| Noncurrent loans to loans | 0.5913% | 3,690 |
| Net loans and leases to total assets | 63.6108% | 3,323 |
| Net loans and leases to deposits | 89.3806% | 1,677 |
| Net loans and leases to core deposits | 106.9535% | 1,026 |
| Total domestic deposits to total assets | 71.1684% | 5,979 |
| Equity capital to assets | 9.7492% | 4,347 |
| Core capital (leverage) ratio | 8.4812% | 5,551 |
| Tier 1 risk-based capital ratio | 12.3305% | 4,921 |
| Total risk-based capital ratio | 13.4535% | 4,894 |
| Memoranda: | ||
| Average total assets | $2,784,799,330 | 298 |
| Average earning assets | $2,582,472,670 | 296 |
| Average equity | $271,472,670 | 331 |
| Average total loans | $1,790,916,000 | 307 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4920% | 4,992 |
| Cost of funding earning assets | 0.3735% | 3,610 |
| Net interest margin | 3.1186% | 4,889 |
| Noninterest income to average assets | 0.7269% | 2,037 |
| Noninterest expense to average assets | 2.2780% | 4,937 |
| Loan and lease loss provision to assets | 0.0635% | 2,658 |
| Net operating income to assets | 0.8596% | 2,968 |
| Return on assets (ROA) | 0.8596% | 3,082 |
| Pretax return on assets | 1.2767% | 2,369 |
| Return on Equity (ROE) | 8.8185% | 2,536 |
| Retained earnings to average equity (ytd only) | 4.0821% | 3,556 |
| Net charge-offs to loans | 0.0653% | 2,087 |
| Credit loss provision to net charge-offs | 151.2027% | 1,236 |
| Earnings coverage of net charge-offs (x) | 31.9210% | 1,114 |
| Efficiency ratio | 61.8909% | 4,816 |
| Assets per employee ($millions) | 6.1824% | 1,265 |
| Cash dividends to net income (ytd only)* | 53.7093% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 4,053 |
| Loan loss allowance to noncurrent loans | 162.3530% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 3,943 |
| Noncurrent loans to loans | 0.7310% | 3,432 |
| Net loans and leases to total assets | 63.6376% | 3,142 |
| Net loans and leases to deposits | 89.2701% | 1,467 |
| Net loans and leases to core deposits | 107.5429% | 842 |
| Total domestic deposits to total assets | 71.2866% | 6,074 |
| Equity capital to assets | 9.8330% | 4,344 |
| Core capital (leverage) ratio | 8.4162% | 5,609 |
| Tier 1 risk-based capital ratio | 12.3339% | 5,024 |
| Total risk-based capital ratio | 13.4826% | 4,999 |
| Memoranda: | ||
| Average total assets | $2,772,375,000 | 297 |
| Average earning assets | $2,570,418,500 | 295 |
| Average equity | $270,250,500 | 332 |
| Average total loans | $1,782,157,500 | 307 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 5,129 |
| Cost of funding earning assets | 0.3892% | 3,802 |
| Net interest margin | 3.1927% | 4,949 |
| Noninterest income to average assets | 0.7166% | 2,233 |
| Noninterest expense to average assets | 2.1790% | 5,388 |
| Loan and lease loss provision to assets | 0.0833% | 2,812 |
| Net operating income to assets | 0.9582% | 2,588 |
| Return on assets (ROA) | 0.9697% | 2,618 |
| Pretax return on assets | 1.4220% | 1,809 |
| Return on Equity (ROE) | 10.0695% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.0896% | 2,532 |
| Net charge-offs to loans | 0.1607% | 2,423 |
| Credit loss provision to net charge-offs | 82.4314% | 2,823 |
| Earnings coverage of net charge-offs (x) | 14.7242% | 2,135 |
| Efficiency ratio | 58.3195% | 5,426 |
| Assets per employee ($millions) | 6.2788% | 1,199 |
| Cash dividends to net income (ytd only)* | 49.4552% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 4,057 |
| Loan loss allowance to noncurrent loans | 126.9067% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 3,594 |
| Noncurrent loans to loans | 0.9387% | 2,974 |
| Net loans and leases to total assets | 63.3982% | 3,301 |
| Net loans and leases to deposits | 89.7870% | 1,538 |
| Net loans and leases to core deposits | 105.5151% | 1,047 |
| Total domestic deposits to total assets | 70.6096% | 6,167 |
| Equity capital to assets | 9.6623% | 4,518 |
| Core capital (leverage) ratio | 8.3817% | 5,686 |
| Tier 1 risk-based capital ratio | 12.6540% | 4,942 |
| Total risk-based capital ratio | 13.8521% | 4,889 |
| Memoranda: | ||
| Average total assets | $2,669,055,400 | 288 |
| Average earning assets | $2,466,817,600 | 283 |
| Average equity | $257,034,600 | 325 |
| Average total loans | $1,679,237,800 | 303 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 5,126 |
| Cost of funding earning assets | 0.3943% | 3,853 |
| Net interest margin | 3.2106% | 4,931 |
| Noninterest income to average assets | 0.7098% | 2,280 |
| Noninterest expense to average assets | 2.1574% | 5,439 |
| Loan and lease loss provision to assets | 0.0844% | 2,668 |
| Net operating income to assets | 0.9668% | 2,612 |
| Return on assets (ROA) | 0.9821% | 2,601 |
| Pretax return on assets | 1.4564% | 1,789 |
| Return on Equity (ROE) | 10.2067% | 2,113 |
| Retained earnings to average equity (ytd only) | 5.2309% | 2,928 |
| Net charge-offs to loans | 0.1353% | 2,442 |
| Credit loss provision to net charge-offs | 99.7024% | 2,255 |
| Earnings coverage of net charge-offs (x) | 17.9304% | 1,876 |
| Efficiency ratio | 57.5928% | 5,495 |
| Assets per employee ($millions) | 6.0808% | 1,274 |
| Cash dividends to net income (ytd only)* | 48.7504% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 3,946 |
| Loan loss allowance to noncurrent loans | 119.7503% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 3,648 |
| Noncurrent loans to loans | 1.0442% | 2,985 |
| Net loans and leases to total assets | 62.7138% | 3,383 |
| Net loans and leases to deposits | 87.5127% | 1,730 |
| Net loans and leases to core deposits | 100.5802% | 1,321 |
| Total domestic deposits to total assets | 71.6624% | 6,189 |
| Equity capital to assets | 9.6026% | 4,665 |
| Core capital (leverage) ratio | 8.2998% | 5,838 |
| Tier 1 risk-based capital ratio | 12.6189% | 5,090 |
| Total risk-based capital ratio | 13.8591% | 5,027 |
| Memoranda: | ||
| Average total assets | $2,645,647,750 | 284 |
| Average earning assets | $2,443,780,250 | 280 |
| Average equity | $254,558,250 | 322 |
| Average total loans | $1,655,894,750 | 303 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 5,137 |
| Cost of funding earning assets | 0.3965% | 3,900 |
| Net interest margin | 3.2087% | 4,914 |
| Noninterest income to average assets | 0.7073% | 2,248 |
| Noninterest expense to average assets | 2.1865% | 5,450 |
| Loan and lease loss provision to assets | 0.0870% | 2,572 |
| Net operating income to assets | 0.9449% | 2,574 |
| Return on assets (ROA) | 0.9683% | 2,549 |
| Pretax return on assets | 1.4329% | 1,772 |
| Return on Equity (ROE) | 10.0568% | 2,125 |
| Retained earnings to average equity (ytd only) | 5.3025% | 2,761 |
| Net charge-offs to loans | 0.1012% | 2,668 |
| Credit loss provision to net charge-offs | 138.1356% | 1,537 |
| Earnings coverage of net charge-offs (x) | 23.5738% | 1,463 |
| Efficiency ratio | 58.4289% | 5,501 |
| Assets per employee ($millions) | 5.9827% | 1,289 |
| Cash dividends to net income (ytd only)* | 47.2739% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 3,904 |
| Loan loss allowance to noncurrent loans | 105.8571% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.8586% | 3,394 |
| Noncurrent loans to loans | 1.2196% | 2,798 |
| Net loans and leases to total assets | 62.7688% | 3,280 |
| Net loans and leases to deposits | 89.2737% | 1,441 |
| Net loans and leases to core deposits | 103.7114% | 1,041 |
| Total domestic deposits to total assets | 70.3105% | 6,343 |
| Equity capital to assets | 9.7412% | 4,440 |
| Core capital (leverage) ratio | 8.2715% | 5,871 |
| Tier 1 risk-based capital ratio | 12.8205% | 5,023 |
| Total risk-based capital ratio | 14.0711% | 4,962 |
| Memoranda: | ||
| Average total assets | $2,621,486,670 | 282 |
| Average earning assets | $2,422,210,000 | 281 |
| Average equity | $252,407,000 | 320 |
| Average total loans | $1,632,450,670 | 301 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5658% | 5,256 |
| Cost of funding earning assets | 0.3960% | 4,023 |
| Net interest margin | 3.1698% | 5,014 |
| Noninterest income to average assets | 0.6780% | 2,303 |
| Noninterest expense to average assets | 2.1728% | 5,534 |
| Loan and lease loss provision to assets | 0.0757% | 2,626 |
| Net operating income to assets | 0.9137% | 2,583 |
| Return on assets (ROA) | 0.9308% | 2,576 |
| Pretax return on assets | 1.3819% | 1,813 |
| Return on Equity (ROE) | 9.7262% | 2,144 |
| Retained earnings to average equity (ytd only) | 4.9001% | 3,171 |
| Net charge-offs to loans | 0.1030% | 2,144 |
| Credit loss provision to net charge-offs | 119.4175% | 1,462 |
| Earnings coverage of net charge-offs (x) | 22.5777% | 1,247 |
| Efficiency ratio | 59.1288% | 5,519 |
| Assets per employee ($millions) | 5.8853% | 1,384 |
| Cash dividends to net income (ytd only)* | 49.6196% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 3,915 |
| Loan loss allowance to noncurrent loans | 99.1989% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 3,381 |
| Noncurrent loans to loans | 1.3483% | 2,788 |
| Net loans and leases to total assets | 61.0363% | 3,391 |
| Net loans and leases to deposits | 86.0007% | 1,608 |
| Net loans and leases to core deposits | 97.7300% | 1,255 |
| Total domestic deposits to total assets | 70.9719% | 6,403 |
| Equity capital to assets | 9.5872% | 4,376 |
| Core capital (leverage) ratio | 8.3547% | 5,796 |
| Tier 1 risk-based capital ratio | 13.2097% | 4,890 |
| Total risk-based capital ratio | 14.4609% | 4,824 |
| Memoranda: | ||
| Average total assets | $2,598,079,500 | 287 |
| Average earning assets | $2,398,987,000 | 283 |
| Average equity | $248,648,000 | 327 |
| Average total loans | $1,600,293,500 | 305 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 5,051 |
| Cost of funding earning assets | 0.4347% | 4,266 |
| Net interest margin | 3.2897% | 4,701 |
| Noninterest income to average assets | 0.8644% | 1,806 |
| Noninterest expense to average assets | 2.2909% | 5,409 |
| Loan and lease loss provision to assets | 0.0802% | 3,505 |
| Net operating income to assets | 1.0382% | 2,169 |
| Return on assets (ROA) | 1.0590% | 2,158 |
| Pretax return on assets | 1.5655% | 1,257 |
| Return on Equity (ROE) | 10.8994% | 1,798 |
| Retained earnings to average equity (ytd only) | 5.4712% | 2,294 |
| Net charge-offs to loans | 0.2213% | 2,693 |
| Credit loss provision to net charge-offs | 58.5282% | 3,609 |
| Earnings coverage of net charge-offs (x) | 11.7906% | 2,198 |
| Efficiency ratio | 57.5774% | 5,784 |
| Assets per employee ($millions) | 9.2705% | 298 |
| Cash dividends to net income (ytd only)* | 49.8026% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 3,817 |
| Loan loss allowance to noncurrent loans | 94.1479% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.9750% | 3,470 |
| Noncurrent loans to loans | 1.4510% | 2,716 |
| Net loans and leases to total assets | 60.4847% | 3,629 |
| Net loans and leases to deposits | 84.9783% | 1,812 |
| Net loans and leases to core deposits | 94.3808% | 1,573 |
| Total domestic deposits to total assets | 71.1766% | 6,466 |
| Equity capital to assets | 9.5535% | 4,342 |
| Core capital (leverage) ratio | 8.3932% | 5,788 |
| Tier 1 risk-based capital ratio | 13.5512% | 4,615 |
| Total risk-based capital ratio | 14.8030% | 4,563 |
| Memoranda: | ||
| Average total assets | $2,559,592,800 | 290 |
| Average earning assets | $2,366,528,000 | 280 |
| Average equity | $248,702,800 | 319 |
| Average total loans | $1,584,137,400 | 300 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 4,967 |
| Cost of funding earning assets | 0.4426% | 4,357 |
| Net interest margin | 3.3262% | 4,544 |
| Noninterest income to average assets | 0.7708% | 2,277 |
| Noninterest expense to average assets | 2.2742% | 5,423 |
| Loan and lease loss provision to assets | 0.1070% | 2,977 |
| Net operating income to assets | 0.9933% | 2,403 |
| Return on assets (ROA) | 1.0211% | 2,379 |
| Pretax return on assets | 1.5042% | 1,594 |
| Return on Equity (ROE) | 10.4648% | 2,015 |
| Retained earnings to average equity (ytd only) | 5.3845% | 2,811 |
| Net charge-offs to loans | 0.2047% | 2,597 |
| Credit loss provision to net charge-offs | 84.2646% | 2,745 |
| Earnings coverage of net charge-offs (x) | 12.3636% | 2,140 |
| Efficiency ratio | 58.0629% | 5,677 |
| Assets per employee ($millions) | 8.7900% | 340 |
| Cash dividends to net income (ytd only)* | 48.5462% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 3,792 |
| Loan loss allowance to noncurrent loans | 90.2577% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 3,555 |
| Noncurrent loans to loans | 1.5778% | 2,802 |
| Net loans and leases to total assets | 61.1137% | 3,504 |
| Net loans and leases to deposits | 78.6857% | 2,561 |
| Net loans and leases to core deposits | 87.2032% | 2,257 |
| Total domestic deposits to total assets | 77.6681% | 5,951 |
| Equity capital to assets | 9.5674% | 4,466 |
| Core capital (leverage) ratio | 8.1602% | 6,098 |
| Tier 1 risk-based capital ratio | 13.2618% | 4,927 |
| Total risk-based capital ratio | 14.5145% | 4,873 |
| Memoranda: | ||
| Average total assets | $2,555,190,750 | 293 |
| Average earning assets | $2,361,202,750 | 282 |
| Average equity | $249,325,500 | 319 |
| Average total loans | $1,585,071,250 | 301 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,824 |
| Cost of funding earning assets | 0.4470% | 4,459 |
| Net interest margin | 3.3550% | 4,360 |
| Noninterest income to average assets | 0.7908% | 2,233 |
| Noninterest expense to average assets | 2.3090% | 5,349 |
| Loan and lease loss provision to assets | 0.1085% | 2,983 |
| Net operating income to assets | 1.0004% | 2,324 |
| Return on assets (ROA) | 1.0078% | 2,434 |
| Pretax return on assets | 1.4874% | 1,657 |
| Return on Equity (ROE) | 10.2610% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.2726% | 2,875 |
| Net charge-offs to loans | 0.1399% | 2,985 |
| Credit loss provision to net charge-offs | 125.0226% | 1,799 |
| Earnings coverage of net charge-offs (x) | 18.2665% | 1,565 |
| Efficiency ratio | 58.2132% | 5,704 |
| Assets per employee ($millions) | 8.4623% | 386 |
| Cash dividends to net income (ytd only)* | 48.6154% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 3,800 |
| Loan loss allowance to noncurrent loans | 114.1172% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.8782% | 4,044 |
| Noncurrent loans to loans | 1.2730% | 3,424 |
| Net loans and leases to total assets | 61.4985% | 3,388 |
| Net loans and leases to deposits | 82.6916% | 1,965 |
| Net loans and leases to core deposits | 92.3946% | 1,668 |
| Total domestic deposits to total assets | 74.3709% | 6,413 |
| Equity capital to assets | 9.5076% | 4,570 |
| Core capital (leverage) ratio | 8.0321% | 6,163 |
| Tier 1 risk-based capital ratio | 12.9400% | 5,188 |
| Total risk-based capital ratio | 14.1931% | 5,122 |
| Memoranda: | ||
| Average total assets | $2,551,357,670 | 294 |
| Average earning assets | $2,359,917,000 | 284 |
| Average equity | $250,579,000 | 315 |
| Average total loans | $1,583,008,670 | 298 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8129% | 4,789 |
| Cost of funding earning assets | 0.4520% | 4,574 |
| Net interest margin | 3.3608% | 4,270 |
| Noninterest income to average assets | 0.7840% | 2,193 |
| Noninterest expense to average assets | 2.4040% | 5,108 |
| Loan and lease loss provision to assets | 0.1077% | 2,899 |
| Net operating income to assets | 0.9324% | 2,510 |
| Return on assets (ROA) | 0.9470% | 2,591 |
| Pretax return on assets | 1.4030% | 1,841 |
| Return on Equity (ROE) | 9.4883% | 2,274 |
| Retained earnings to average equity (ytd only) | 4.7560% | 3,385 |
| Net charge-offs to loans | 0.0914% | 2,930 |
| Credit loss provision to net charge-offs | 190.5292% | 1,135 |
| Earnings coverage of net charge-offs (x) | 26.3454% | 1,026 |
| Efficiency ratio | 60.6681% | 5,494 |
| Assets per employee ($millions) | 8.0383% | 476 |
| Cash dividends to net income (ytd only)* | 49.8753% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 3,903 |
| Loan loss allowance to noncurrent loans | 108.1047% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 4,092 |
| Noncurrent loans to loans | 1.3684% | 3,513 |
| Net loans and leases to total assets | 60.8881% | 3,270 |
| Net loans and leases to deposits | 79.0677% | 2,202 |
| Net loans and leases to core deposits | 91.7778% | 1,527 |
| Total domestic deposits to total assets | 77.0076% | 6,249 |
| Equity capital to assets | 9.9226% | 4,247 |
| Core capital (leverage) ratio | 7.9660% | 6,180 |
| Tier 1 risk-based capital ratio | 12.7727% | 5,384 |
| Total risk-based capital ratio | 14.0259% | 5,324 |
| Memoranda: | ||
| Average total assets | $2,540,774,500 | 296 |
| Average earning assets | $2,350,361,500 | 287 |
| Average equity | $253,575,500 | 318 |
| Average total loans | $1,571,820,500 | 300 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1257% | 4,853 |
| Cost of funding earning assets | 0.6685% | 3,755 |
| Net interest margin | 3.4572% | 4,678 |
| Noninterest income to average assets | 0.6498% | 2,988 |
| Noninterest expense to average assets | 2.2658% | 5,772 |
| Loan and lease loss provision to assets | 0.1594% | 3,622 |
| Net operating income to assets | 0.9687% | 2,467 |
| Return on assets (ROA) | 1.0401% | 2,370 |
| Pretax return on assets | 1.5305% | 1,593 |
| Return on Equity (ROE) | 9.9809% | 2,176 |
| Retained earnings to average equity (ytd only) | 4.7372% | 2,890 |
| Net charge-offs to loans | 0.2445% | 3,478 |
| Credit loss provision to net charge-offs | 100.8781% | 3,002 |
| Earnings coverage of net charge-offs (x) | 10.0325% | 2,192 |
| Efficiency ratio | 58.2066% | 5,800 |
| Assets per employee ($millions) | 7.7944% | 554 |
| Cash dividends to net income (ytd only)* | 52.5380% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 3,844 |
| Loan loss allowance to noncurrent loans | 99.7835% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9665% | 4,093 |
| Noncurrent loans to loans | 1.4767% | 3,382 |
| Net loans and leases to total assets | 61.0136% | 3,417 |
| Net loans and leases to deposits | 79.4103% | 2,360 |
| Net loans and leases to core deposits | 89.1565% | 1,945 |
| Total domestic deposits to total assets | 76.8334% | 6,251 |
| Equity capital to assets | 10.0386% | 4,117 |
| Core capital (leverage) ratio | 7.9747% | 6,222 |
| Tier 1 risk-based capital ratio | 12.7856% | 5,265 |
| Total risk-based capital ratio | 14.0389% | 5,197 |
| Memoranda: | ||
| Average total assets | $2,378,944,000 | 307 |
| Average earning assets | $2,202,470,800 | 296 |
| Average equity | $247,912,600 | 313 |
| Average total loans | $1,537,268,800 | 303 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 4,816 |
| Cost of funding earning assets | 0.6978% | 3,786 |
| Net interest margin | 3.5023% | 4,635 |
| Noninterest income to average assets | 0.6027% | 3,257 |
| Noninterest expense to average assets | 2.0556% | 6,256 |
| Loan and lease loss provision to assets | 0.1523% | 3,630 |
| Net operating income to assets | 1.1165% | 2,040 |
| Return on assets (ROA) | 1.1575% | 2,072 |
| Pretax return on assets | 1.6995% | 1,270 |
| Return on Equity (ROE) | 10.9985% | 1,964 |
| Retained earnings to average equity (ytd only) | 5.7251% | 2,880 |
| Net charge-offs to loans | 0.2470% | 3,240 |
| Credit loss provision to net charge-offs | 94.3583% | 3,166 |
| Earnings coverage of net charge-offs (x) | 11.0980% | 2,110 |
| Efficiency ratio | 52.8756% | 6,365 |
| Assets per employee ($millions) | 10.0829% | 229 |
| Cash dividends to net income (ytd only)* | 47.9469% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 4,022 |
| Loan loss allowance to noncurrent loans | 101.4698% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9513% | 4,378 |
| Noncurrent loans to loans | 1.4618% | 3,605 |
| Net loans and leases to total assets | 62.4593% | 3,306 |
| Net loans and leases to deposits | 89.2571% | 1,234 |
| Net loans and leases to core deposits | 102.0268% | 983 |
| Total domestic deposits to total assets | 69.9768% | 6,843 |
| Equity capital to assets | 10.5236% | 3,814 |
| Core capital (leverage) ratio | 8.6326% | 5,575 |
| Tier 1 risk-based capital ratio | 13.6583% | 4,778 |
| Total risk-based capital ratio | 14.9112% | 4,731 |
| Memoranda: | ||
| Average total assets | $2,342,336,250 | 308 |
| Average earning assets | $2,169,895,250 | 296 |
| Average equity | $246,512,750 | 317 |
| Average total loans | $1,530,619,500 | 304 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 4,681 |
| Cost of funding earning assets | 0.7269% | 3,793 |
| Net interest margin | 3.5444% | 4,488 |
| Noninterest income to average assets | 0.6190% | 3,134 |
| Noninterest expense to average assets | 2.0871% | 6,253 |
| Loan and lease loss provision to assets | 0.1571% | 3,548 |
| Net operating income to assets | 1.1328% | 1,939 |
| Return on assets (ROA) | 1.1841% | 1,968 |
| Pretax return on assets | 1.7317% | 1,179 |
| Return on Equity (ROE) | 11.2511% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.9110% | 2,757 |
| Net charge-offs to loans | 0.2051% | 3,343 |
| Credit loss provision to net charge-offs | 116.0281% | 2,369 |
| Earnings coverage of net charge-offs (x) | 13.3927% | 1,796 |
| Efficiency ratio | 52.9527% | 6,424 |
| Assets per employee ($millions) | 10.3760% | 209 |
| Cash dividends to net income (ytd only)* | 47.4626% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 3,948 |
| Loan loss allowance to noncurrent loans | 93.5269% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 4,145 |
| Noncurrent loans to loans | 1.6188% | 3,481 |
| Net loans and leases to total assets | 63.9635% | 3,043 |
| Net loans and leases to deposits | 93.8263% | 789 |
| Net loans and leases to core deposits | 106.9531% | 705 |
| Total domestic deposits to total assets | 68.1722% | 6,991 |
| Equity capital to assets | 10.4873% | 3,706 |
| Core capital (leverage) ratio | 8.7122% | 5,358 |
| Tier 1 risk-based capital ratio | 13.5605% | 4,776 |
| Total risk-based capital ratio | 14.8148% | 4,737 |
| Memoranda: | ||
| Average total assets | $2,313,121,330 | 310 |
| Average earning assets | $2,141,561,670 | 296 |
| Average equity | $243,443,330 | 321 |
| Average total loans | $1,527,292,670 | 304 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 4,549 |
| Cost of funding earning assets | 0.7507% | 3,857 |
| Net interest margin | 3.5919% | 4,300 |
| Noninterest income to average assets | 0.5952% | 3,260 |
| Noninterest expense to average assets | 1.9968% | 6,466 |
| Loan and lease loss provision to assets | 0.1733% | 3,230 |
| Net operating income to assets | 1.1873% | 1,778 |
| Return on assets (ROA) | 1.2017% | 1,912 |
| Pretax return on assets | 1.7672% | 1,158 |
| Return on Equity (ROE) | 11.3971% | 1,873 |
| Retained earnings to average equity (ytd only) | 6.0055% | 2,953 |
| Net charge-offs to loans | 0.2606% | 2,630 |
| Credit loss provision to net charge-offs | 99.8992% | 2,381 |
| Earnings coverage of net charge-offs (x) | 11.0615% | 1,701 |
| Efficiency ratio | 50.4265% | 6,648 |
| Assets per employee ($millions) | 9.1179% | 312 |
| Cash dividends to net income (ytd only)* | 47.3071% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 4,113 |
| Loan loss allowance to noncurrent loans | 95.6319% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 4,251 |
| Noncurrent loans to loans | 1.5774% | 3,745 |
| Net loans and leases to total assets | 65.1249% | 2,630 |
| Net loans and leases to deposits | 95.6015% | 564 |
| Net loans and leases to core deposits | 109.8919% | 537 |
| Total domestic deposits to total assets | 68.1212% | 7,048 |
| Equity capital to assets | 10.5025% | 3,487 |
| Core capital (leverage) ratio | 8.7056% | 5,286 |
| Tier 1 risk-based capital ratio | 13.3767% | 4,915 |
| Total risk-based capital ratio | 14.6309% | 4,904 |
| Memoranda: | ||
| Average total assets | $2,286,818,500 | 307 |
| Average earning assets | $2,114,318,500 | 297 |
| Average equity | $241,114,000 | 317 |
| Average total loans | $1,522,707,000 | 299 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 4,473 |
| Cost of funding earning assets | 0.9682% | 3,591 |
| Net interest margin | 3.6770% | 4,403 |
| Noninterest income to average assets | 0.6474% | 2,905 |
| Noninterest expense to average assets | 2.1886% | 6,294 |
| Loan and lease loss provision to assets | 0.2064% | 4,123 |
| Net operating income to assets | 1.1313% | 1,719 |
| Return on assets (ROA) | 1.1937% | 1,635 |
| Pretax return on assets | 1.7308% | 925 |
| Return on Equity (ROE) | 11.8263% | 1,455 |
| Retained earnings to average equity (ytd only) | 6.0031% | 2,012 |
| Net charge-offs to loans | 0.2628% | 4,125 |
| Credit loss provision to net charge-offs | 117.8474% | 2,729 |
| Earnings coverage of net charge-offs (x) | 10.5441% | 1,823 |
| Efficiency ratio | 53.6935% | 6,543 |
| Assets per employee ($millions) | 9.4059% | 288 |
| Cash dividends to net income (ytd only)* | 49.2395% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 3,962 |
| Loan loss allowance to noncurrent loans | 94.5166% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 4,321 |
| Noncurrent loans to loans | 1.6016% | 3,761 |
| Net loans and leases to total assets | 66.0432% | 2,776 |
| Net loans and leases to deposits | 93.2978% | 862 |
| Net loans and leases to core deposits | 106.4644% | 777 |
| Total domestic deposits to total assets | 70.7875% | 6,946 |
| Equity capital to assets | 10.5855% | 3,434 |
| Core capital (leverage) ratio | 8.6287% | 5,344 |
| Tier 1 risk-based capital ratio | 13.2463% | 4,879 |
| Total risk-based capital ratio | 14.5006% | 4,854 |
| Memoranda: | ||
| Average total assets | $2,296,862,000 | 304 |
| Average earning assets | $2,116,364,200 | 295 |
| Average equity | $231,831,600 | 312 |
| Average total loans | $1,530,643,400 | 298 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 4,450 |
| Cost of funding earning assets | 1.0103% | 3,610 |
| Net interest margin | 3.6924% | 4,377 |
| Noninterest income to average assets | 0.6606% | 2,820 |
| Noninterest expense to average assets | 2.0865% | 6,521 |
| Loan and lease loss provision to assets | 0.1892% | 4,138 |
| Net operating income to assets | 1.2275% | 1,583 |
| Return on assets (ROA) | 1.2319% | 1,672 |
| Pretax return on assets | 1.7919% | 970 |
| Return on Equity (ROE) | 12.3530% | 1,451 |
| Retained earnings to average equity (ytd only) | 7.1312% | 1,899 |
| Net charge-offs to loans | 0.2219% | 4,047 |
| Credit loss provision to net charge-offs | 128.1348% | 2,490 |
| Earnings coverage of net charge-offs (x) | 13.3738% | 1,624 |
| Efficiency ratio | 50.8384% | 6,776 |
| Assets per employee ($millions) | 8.4679% | 401 |
| Cash dividends to net income (ytd only)* | 42.2714% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 4,002 |
| Loan loss allowance to noncurrent loans | 94.1684% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.1331% | 4,518 |
| Noncurrent loans to loans | 1.6150% | 3,876 |
| Net loans and leases to total assets | 64.4563% | 3,217 |
| Net loans and leases to deposits | 90.1106% | 1,202 |
| Net loans and leases to core deposits | 104.2898% | 964 |
| Total domestic deposits to total assets | 71.5302% | 6,962 |
| Equity capital to assets | 10.4113% | 3,817 |
| Core capital (leverage) ratio | 8.3981% | 5,857 |
| Tier 1 risk-based capital ratio | 13.2300% | 4,926 |
| Total risk-based capital ratio | 14.4844% | 4,895 |
| Memoranda: | ||
| Average total assets | $2,304,373,500 | 305 |
| Average earning assets | $2,122,296,500 | 294 |
| Average equity | $229,801,250 | 319 |
| Average total loans | $1,533,282,000 | 298 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 4,244 |
| Cost of funding earning assets | 1.0345% | 3,710 |
| Net interest margin | 3.7272% | 4,138 |
| Noninterest income to average assets | 0.6157% | 3,033 |
| Noninterest expense to average assets | 2.1029% | 6,586 |
| Loan and lease loss provision to assets | 0.1810% | 4,108 |
| Net operating income to assets | 1.2083% | 1,543 |
| Return on assets (ROA) | 1.2079% | 1,633 |
| Pretax return on assets | 1.7646% | 937 |
| Return on Equity (ROE) | 12.2932% | 1,410 |
| Retained earnings to average equity (ytd only) | 6.9875% | 1,882 |
| Net charge-offs to loans | 0.1801% | 4,084 |
| Credit loss provision to net charge-offs | 150.1802% | 2,037 |
| Earnings coverage of net charge-offs (x) | 16.1500% | 1,360 |
| Efficiency ratio | 51.3969% | 6,836 |
| Assets per employee ($millions) | 9.7761% | 254 |
| Cash dividends to net income (ytd only)* | 43.1593% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 4,223 |
| Loan loss allowance to noncurrent loans | 106.8510% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 4,854 |
| Noncurrent loans to loans | 1.3851% | 4,330 |
| Net loans and leases to total assets | 66.3292% | 2,963 |
| Net loans and leases to deposits | 97.7972% | 605 |
| Net loans and leases to core deposits | 110.4753% | 710 |
| Total domestic deposits to total assets | 67.8232% | 7,197 |
| Equity capital to assets | 10.0815% | 4,040 |
| Core capital (leverage) ratio | 8.1181% | 6,138 |
| Tier 1 risk-based capital ratio | 12.6709% | 5,202 |
| Total risk-based capital ratio | 13.9250% | 5,168 |
| Memoranda: | ||
| Average total assets | $2,301,918,000 | 312 |
| Average earning assets | $2,120,510,000 | 297 |
| Average equity | $226,174,000 | 323 |
| Average total loans | $1,540,018,000 | 300 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6948% | 4,547 |
| Cost of funding earning assets | 1.0585% | 3,794 |
| Net interest margin | 3.6363% | 4,391 |
| Noninterest income to average assets | 0.6176% | 3,049 |
| Noninterest expense to average assets | 2.1090% | 6,617 |
| Loan and lease loss provision to assets | 0.1943% | 3,684 |
| Net operating income to assets | 1.1375% | 1,710 |
| Return on assets (ROA) | 1.1337% | 1,771 |
| Pretax return on assets | 1.6574% | 1,064 |
| Return on Equity (ROE) | 11.6917% | 1,545 |
| Retained earnings to average equity (ytd only) | 6.3096% | 2,461 |
| Net charge-offs to loans | 0.1364% | 3,700 |
| Credit loss provision to net charge-offs | 213.5755% | 1,408 |
| Earnings coverage of net charge-offs (x) | 20.4130% | 1,109 |
| Efficiency ratio | 52.6207% | 6,816 |
| Assets per employee ($millions) | 9.4587% | 290 |
| Cash dividends to net income (ytd only)* | 46.0335% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 4,262 |
| Loan loss allowance to noncurrent loans | 112.4282% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 4,954 |
| Noncurrent loans to loans | 1.3249% | 4,486 |
| Net loans and leases to total assets | 65.3138% | 3,174 |
| Net loans and leases to deposits | 96.7255% | 640 |
| Net loans and leases to core deposits | 113.8007% | 607 |
| Total domestic deposits to total assets | 67.5249% | 7,276 |
| Equity capital to assets | 9.7001% | 4,180 |
| Core capital (leverage) ratio | 7.9534% | 6,304 |
| Tier 1 risk-based capital ratio | 12.3714% | 5,374 |
| Total risk-based capital ratio | 13.6255% | 5,357 |
| Memoranda: | ||
| Average total assets | $2,299,296,500 | 312 |
| Average earning assets | $2,117,406,000 | 301 |
| Average equity | $222,962,500 | 325 |
| Average total loans | $1,533,371,500 | 302 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 4,280 |
| Cost of funding earning assets | 1.3265% | 3,709 |
| Net interest margin | 3.7342% | 4,212 |
| Noninterest income to average assets | 0.6609% | 3,075 |
| Noninterest expense to average assets | 2.1142% | 6,816 |
| Loan and lease loss provision to assets | 0.2812% | 4,559 |
| Net operating income to assets | 1.1683% | 1,490 |
| Return on assets (ROA) | 1.1557% | 1,612 |
| Pretax return on assets | 1.6738% | 990 |
| Return on Equity (ROE) | 12.0291% | 1,312 |
| Retained earnings to average equity (ytd only) | 6.4764% | 1,566 |
| Net charge-offs to loans | 0.2790% | 4,631 |
| Credit loss provision to net charge-offs | 147.8495% | 2,474 |
| Earnings coverage of net charge-offs (x) | 10.3747% | 1,715 |
| Efficiency ratio | 51.1791% | 7,048 |
| Assets per employee ($millions) | 9.1984% | 309 |
| Cash dividends to net income (ytd only)* | 46.1609% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 4,245 |
| Loan loss allowance to noncurrent loans | 110.6352% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 5,033 |
| Noncurrent loans to loans | 1.3168% | 4,518 |
| Net loans and leases to total assets | 66.1050% | 3,451 |
| Net loans and leases to deposits | 98.4226% | 687 |
| Net loans and leases to core deposits | 106.9329% | 1,130 |
| Total domestic deposits to total assets | 67.1644% | 7,355 |
| Equity capital to assets | 9.6938% | 4,145 |
| Core capital (leverage) ratio | 7.8421% | 6,386 |
| Tier 1 risk-based capital ratio | 12.3749% | 5,139 |
| Total risk-based capital ratio | 13.6288% | 5,105 |
| Memoranda: | ||
| Average total assets | $2,249,310,800 | 314 |
| Average earning assets | $2,063,975,600 | 304 |
| Average equity | $216,109,000 | 329 |
| Average total loans | $1,533,542,200 | 308 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1083% | 4,274 |
| Cost of funding earning assets | 1.3722% | 3,762 |
| Net interest margin | 3.7361% | 4,246 |
| Noninterest income to average assets | 0.6805% | 2,943 |
| Noninterest expense to average assets | 2.0982% | 6,851 |
| Loan and lease loss provision to assets | 0.3118% | 4,083 |
| Net operating income to assets | 1.1609% | 1,703 |
| Return on assets (ROA) | 1.1445% | 1,852 |
| Pretax return on assets | 1.6723% | 1,165 |
| Return on Equity (ROE) | 11.9397% | 1,519 |
| Retained earnings to average equity (ytd only) | 6.3546% | 2,170 |
| Net charge-offs to loans | 0.2739% | 4,307 |
| Credit loss provision to net charge-offs | 166.3071% | 2,246 |
| Earnings coverage of net charge-offs (x) | 10.7103% | 1,865 |
| Efficiency ratio | 50.5498% | 7,111 |
| Assets per employee ($millions) | 9.2757% | 319 |
| Cash dividends to net income (ytd only)* | 46.7776% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 4,197 |
| Loan loss allowance to noncurrent loans | 117.3048% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9497% | 5,197 |
| Noncurrent loans to loans | 1.2376% | 4,780 |
| Net loans and leases to total assets | 66.4466% | 3,583 |
| Net loans and leases to deposits | 95.0467% | 1,093 |
| Net loans and leases to core deposits | 107.8575% | 1,173 |
| Total domestic deposits to total assets | 69.9094% | 7,278 |
| Equity capital to assets | 9.7276% | 4,503 |
| Core capital (leverage) ratio | 7.7530% | 6,623 |
| Tier 1 risk-based capital ratio | 12.0439% | 5,424 |
| Total risk-based capital ratio | 13.2983% | 5,388 |
| Memoranda: | ||
| Average total assets | $2,241,338,250 | 313 |
| Average earning assets | $2,055,287,750 | 305 |
| Average equity | $214,852,250 | 323 |
| Average total loans | $1,534,357,750 | 309 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 4,249 |
| Cost of funding earning assets | 1.4174% | 3,765 |
| Net interest margin | 3.7227% | 4,262 |
| Noninterest income to average assets | 0.5539% | 3,676 |
| Noninterest expense to average assets | 2.0893% | 6,941 |
| Loan and lease loss provision to assets | 0.3546% | 3,591 |
| Net operating income to assets | 1.0447% | 2,031 |
| Return on assets (ROA) | 1.0336% | 2,147 |
| Pretax return on assets | 1.5060% | 1,545 |
| Return on Equity (ROE) | 10.8377% | 1,795 |
| Retained earnings to average equity (ytd only) | 5.1901% | 2,790 |
| Net charge-offs to loans | 0.2517% | 4,086 |
| Credit loss provision to net charge-offs | 204.7693% | 1,902 |
| Earnings coverage of net charge-offs (x) | 10.8372% | 1,834 |
| Efficiency ratio | 52.1119% | 7,052 |
| Assets per employee ($millions) | 9.4666% | 291 |
| Cash dividends to net income (ytd only)* | 52.1105% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 4,209 |
| Loan loss allowance to noncurrent loans | 106.6274% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 4,944 |
| Noncurrent loans to loans | 1.3542% | 4,682 |
| Net loans and leases to total assets | 66.8932% | 3,639 |
| Net loans and leases to deposits | 97.2389% | 941 |
| Net loans and leases to core deposits | 116.6241% | 822 |
| Total domestic deposits to total assets | 68.7926% | 7,397 |
| Equity capital to assets | 9.5728% | 4,595 |
| Core capital (leverage) ratio | 7.5550% | 6,776 |
| Tier 1 risk-based capital ratio | 11.5557% | 5,715 |
| Total risk-based capital ratio | 12.8082% | 5,685 |
| Memoranda: | ||
| Average total assets | $2,227,841,670 | 311 |
| Average earning assets | $2,041,971,000 | 305 |
| Average equity | $212,480,330 | 327 |
| Average total loans | $1,532,966,000 | 310 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 4,084 |
| Cost of funding earning assets | 1.4689% | 3,745 |
| Net interest margin | 3.7202% | 4,149 |
| Noninterest income to average assets | 0.5466% | 3,677 |
| Noninterest expense to average assets | 2.0914% | 6,965 |
| Loan and lease loss provision to assets | 0.3627% | 3,193 |
| Net operating income to assets | 1.0286% | 2,073 |
| Return on assets (ROA) | 1.0226% | 2,162 |
| Pretax return on assets | 1.4852% | 1,551 |
| Return on Equity (ROE) | 10.7423% | 1,854 |
| Retained earnings to average equity (ytd only) | 5.0273% | 3,143 |
| Net charge-offs to loans | 0.2269% | 3,561 |
| Credit loss provision to net charge-offs | 230.6805% | 1,657 |
| Earnings coverage of net charge-offs (x) | 11.8085% | 1,619 |
| Efficiency ratio | 52.4000% | 7,114 |
| Assets per employee ($millions) | 9.1921% | 337 |
| Cash dividends to net income (ytd only)* | 53.2009% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 4,433 |
| Loan loss allowance to noncurrent loans | 117.3639% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 5,013 |
| Noncurrent loans to loans | 1.1905% | 4,978 |
| Net loans and leases to total assets | 68.6727% | 3,239 |
| Net loans and leases to deposits | 99.5537% | 788 |
| Net loans and leases to core deposits | 110.2434% | 1,254 |
| Total domestic deposits to total assets | 68.9806% | 7,474 |
| Equity capital to assets | 9.6478% | 4,309 |
| Core capital (leverage) ratio | 7.5857% | 6,752 |
| Tier 1 risk-based capital ratio | 11.5155% | 5,657 |
| Total risk-based capital ratio | 12.7685% | 5,630 |
| Memoranda: | ||
| Average total assets | $2,205,767,500 | 324 |
| Average earning assets | $2,016,765,500 | 314 |
| Average equity | $209,974,500 | 335 |
| Average total loans | $1,528,412,000 | 318 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 4,492 |
| Cost of funding earning assets | 1.7993% | 3,998 |
| Net interest margin | 3.6407% | 4,386 |
| Noninterest income to average assets | 0.5823% | 3,766 |
| Noninterest expense to average assets | 2.0271% | 7,330 |
| Loan and lease loss provision to assets | 0.3598% | 4,646 |
| Net operating income to assets | 1.0527% | 1,655 |
| Return on assets (ROA) | 1.0542% | 1,691 |
| Pretax return on assets | 1.5395% | 1,099 |
| Return on Equity (ROE) | 12.0269% | 1,159 |
| Retained earnings to average equity (ytd only) | 5.9929% | 1,348 |
| Net charge-offs to loans | 0.3717% | 4,353 |
| Credit loss provision to net charge-offs | 145.5680% | 3,258 |
| Earnings coverage of net charge-offs (x) | 7.6756% | 2,095 |
| Efficiency ratio | 51.0946% | 7,465 |
| Assets per employee ($millions) | 9.2662% | 330 |
| Cash dividends to net income (ytd only)* | 50.1714% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 4,616 |
| Loan loss allowance to noncurrent loans | 106.4906% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 4,879 |
| Noncurrent loans to loans | 1.2453% | 4,866 |
| Net loans and leases to total assets | 68.0260% | 3,699 |
| Net loans and leases to deposits | 99.6927% | 933 |
| Net loans and leases to core deposits | 114.1281% | 2,485 |
| Total domestic deposits to total assets | 68.2357% | 7,527 |
| Equity capital to assets | 9.3919% | 4,573 |
| Core capital (leverage) ratio | 7.3721% | 6,915 |
| Tier 1 risk-based capital ratio | 11.1642% | 5,759 |
| Total risk-based capital ratio | 12.4161% | 5,716 |
| Memoranda: | ||
| Average total assets | $2,268,765,400 | 322 |
| Average earning assets | $2,082,464,000 | 317 |
| Average equity | $198,870,200 | 351 |
| Average total loans | $1,508,452,600 | 335 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4803% | 4,519 |
| Cost of funding earning assets | 1.8446% | 4,181 |
| Net interest margin | 3.6356% | 4,349 |
| Noninterest income to average assets | 0.5938% | 3,760 |
| Noninterest expense to average assets | 1.9859% | 7,410 |
| Loan and lease loss provision to assets | 0.3805% | 4,048 |
| Net operating income to assets | 1.0795% | 1,800 |
| Return on assets (ROA) | 1.0796% | 1,850 |
| Pretax return on assets | 1.5676% | 1,245 |
| Return on Equity (ROE) | 12.5334% | 1,227 |
| Retained earnings to average equity (ytd only) | 6.4295% | 1,746 |
| Net charge-offs to loans | 0.4228% | 3,569 |
| Credit loss provision to net charge-offs | 136.5695% | 3,629 |
| Earnings coverage of net charge-offs (x) | 6.9922% | 2,498 |
| Efficiency ratio | 49.9228% | 7,562 |
| Assets per employee ($millions) | 9.4074% | 318 |
| Cash dividends to net income (ytd only)* | 48.7013% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 4,632 |
| Loan loss allowance to noncurrent loans | 112.4580% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 5,054 |
| Noncurrent loans to loans | 1.1362% | 5,047 |
| Net loans and leases to total assets | 66.7840% | 4,237 |
| Net loans and leases to deposits | 98.3162% | 1,286 |
| Net loans and leases to core deposits | 113.1410% | 2,920 |
| Total domestic deposits to total assets | 67.9278% | 7,583 |
| Equity capital to assets | 9.1842% | 5,192 |
| Core capital (leverage) ratio | 7.1666% | 7,292 |
| Tier 1 risk-based capital ratio | 10.9280% | 6,014 |
| Total risk-based capital ratio | 12.1791% | 5,977 |
| Memoranda: | ||
| Average total assets | $2,282,303,750 | 329 |
| Average earning assets | $2,096,784,500 | 328 |
| Average equity | $196,589,000 | 366 |
| Average total loans | $1,503,876,250 | 352 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 4,460 |
| Cost of funding earning assets | 1.8957% | 4,287 |
| Net interest margin | 3.6318% | 4,239 |
| Noninterest income to average assets | 0.5827% | 3,814 |
| Noninterest expense to average assets | 2.0244% | 7,421 |
| Loan and lease loss provision to assets | 0.3936% | 3,556 |
| Net operating income to assets | 1.0357% | 1,989 |
| Return on assets (ROA) | 1.0357% | 2,065 |
| Pretax return on assets | 1.5001% | 1,438 |
| Return on Equity (ROE) | 12.2895% | 1,336 |
| Retained earnings to average equity (ytd only) | 6.0811% | 1,980 |
| Net charge-offs to loans | 0.4740% | 2,937 |
| Credit loss provision to net charge-offs | 127.1191% | 3,661 |
| Earnings coverage of net charge-offs (x) | 6.1157% | 2,683 |
| Efficiency ratio | 51.1094% | 7,586 |
| Assets per employee ($millions) | 9.2116% | 327 |
| Cash dividends to net income (ytd only)* | 50.5178% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 4,737 |
| Loan loss allowance to noncurrent loans | 113.8550% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9735% | 5,032 |
| Noncurrent loans to loans | 1.0814% | 5,038 |
| Net loans and leases to total assets | 65.5067% | 4,665 |
| Net loans and leases to deposits | 100.5053% | 1,235 |
| Net loans and leases to core deposits | 120.0174% | 2,370 |
| Total domestic deposits to total assets | 65.1773% | 7,780 |
| Equity capital to assets | 8.6436% | 5,829 |
| Core capital (leverage) ratio | 6.9664% | 7,564 |
| Tier 1 risk-based capital ratio | 10.6283% | 6,254 |
| Total risk-based capital ratio | 11.8786% | 6,188 |
| Memoranda: | ||
| Average total assets | $2,293,618,670 | 334 |
| Average earning assets | $2,106,402,330 | 330 |
| Average equity | $193,287,670 | 376 |
| Average total loans | $1,498,175,330 | 361 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5900% | 4,418 |
| Cost of funding earning assets | 1.9550% | 4,357 |
| Net interest margin | 3.6351% | 4,167 |
| Noninterest income to average assets | 0.5714% | 3,743 |
| Noninterest expense to average assets | 1.9422% | 7,460 |
| Loan and lease loss provision to assets | 0.3011% | 3,539 |
| Net operating income to assets | 1.1475% | 1,813 |
| Return on assets (ROA) | 1.1475% | 1,936 |
| Pretax return on assets | 1.6705% | 1,241 |
| Return on Equity (ROE) | 13.7928% | 1,206 |
| Retained earnings to average equity (ytd only) | 7.5167% | 2,015 |
| Net charge-offs to loans | 0.4645% | 2,288 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 6.5480% | 2,485 |
| Efficiency ratio | 49.0684% | 7,662 |
| Assets per employee ($millions) | 9.7594% | 282 |
| Cash dividends to net income (ytd only)* | 45.5028% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 4,827 |
| Loan loss allowance to noncurrent loans | 102.5506% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 4,940 |
| Noncurrent loans to loans | 1.1668% | 4,653 |
| Net loans and leases to total assets | 64.2409% | 4,945 |
| Net loans and leases to deposits | 98.0782% | 1,655 |
| Net loans and leases to core deposits | 112.8055% | 3,133 |
| Total domestic deposits to total assets | 65.4996% | 7,763 |
| Equity capital to assets | 8.5167% | 6,050 |
| Core capital (leverage) ratio | 6.7728% | 7,775 |
| Tier 1 risk-based capital ratio | 10.7932% | 6,102 |
| Total risk-based capital ratio | 12.0432% | 6,005 |
| Memoranda: | ||
| Average total assets | $2,298,193,500 | 333 |
| Average earning assets | $2,113,192,500 | 329 |
| Average equity | $191,201,000 | 378 |
| Average total loans | $1,489,696,000 | 367 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3392% | 3,734 |
| Cost of funding earning assets | 2.6922% | 3,192 |
| Net interest margin | 3.6470% | 4,691 |
| Noninterest income to average assets | 0.5137% | 4,520 |
| Noninterest expense to average assets | 1.9282% | 7,565 |
| Loan and lease loss provision to assets | 0.2020% | 4,872 |
| Net operating income to assets | 1.2841% | 1,530 |
| Return on assets (ROA) | 0.7548% | 3,484 |
| Pretax return on assets | 1.0268% | 3,279 |
| Return on Equity (ROE) | 9.3542% | 2,493 |
| Retained earnings to average equity (ytd only) | 2.5230% | 3,629 |
| Net charge-offs to loans | 0.3278% | 3,213 |
| Credit loss provision to net charge-offs | 92.9992% | 5,598 |
| Earnings coverage of net charge-offs (x) | 8.9524% | 2,787 |
| Efficiency ratio | 48.8186% | 7,749 |
| Assets per employee ($millions) | 9.7174% | 286 |
| Cash dividends to net income (ytd only)* | 73.0282% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 4,716 |
| Loan loss allowance to noncurrent loans | 139.2225% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 5,065 |
| Noncurrent loans to loans | 0.8466% | 4,933 |
| Net loans and leases to total assets | 63.8641% | 5,296 |
| Net loans and leases to deposits | 99.0543% | 1,977 |
| Net loans and leases to core deposits | 113.2946% | 3,418 |
| Total domestic deposits to total assets | 64.4738% | 7,759 |
| Equity capital to assets | 8.1267% | 6,662 |
| Core capital (leverage) ratio | 6.6052% | 7,898 |
| Tier 1 risk-based capital ratio | 10.3024% | 6,416 |
| Total risk-based capital ratio | 11.5256% | 6,317 |
| Memoranda: | ||
| Average total assets | $2,177,126,800 | 333 |
| Average earning assets | $2,005,029,600 | 331 |
| Average equity | $175,664,200 | 410 |
| Average total loans | $1,442,200,800 | 362 |