Home > Tristate Capital Bank > Performance and Condition Ratios
Tristate Capital 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 | 6.1618% | 522 |
| Cost of funding earning assets | 3.8671% | 44 |
| Net interest margin | 2.2947% | 4,266 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.1801% | 4,470 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.8473% | 2,713 |
| Return on assets (ROA) | 0.8473% | 2,692 |
| Pretax return on assets | 1.0818% | 2,466 |
| Return on Equity (ROE) | 13.7900% | 1,531 |
| Retained earnings to average equity (ytd only) | 13.7915% | 418 |
| Net charge-offs to loans | 0.0007% | 2,866 |
| Credit loss provision to net charge-offs | 14,291.2088% | 33 |
| Earnings coverage of net charge-offs (x) | 2,214.7582% | 69 |
| Efficiency ratio | 50.5703% | 3,940 |
| Assets per employee ($millions) | 45.4435% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3363% | 4,412 |
| Loan loss allowance to noncurrent loans | 142.5673% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 2,467 |
| Noncurrent loans to loans | 0.2359% | 2,366 |
| Net loans and leases to total assets | 67.6800% | 2,074 |
| Net loans and leases to deposits | 74.0999% | 2,608 |
| Net loans and leases to core deposits | 77.9641% | 2,838 |
| Total domestic deposits to total assets | 91.3300% | 427 |
| Equity capital to assets | 6.2432% | 4,184 |
| Core capital (leverage) ratio | 7.1033% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6884% | 1,351 |
| Memoranda: | ||
| Average total assets | $17,472,262,000 | 105 |
| Average earning assets | $16,949,798,800 | 98 |
| Average equity | $1,073,418,000 | 160 |
| Average total loans | $12,755,871,200 | 98 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0751% | 483 |
| Cost of funding earning assets | 3.7618% | 46 |
| Net interest margin | 2.3133% | 4,297 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.1815% | 4,488 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8651% | 2,816 |
| Return on assets (ROA) | 0.8651% | 2,797 |
| Pretax return on assets | 1.1107% | 2,536 |
| Return on Equity (ROE) | 14.1500% | 1,615 |
| Retained earnings to average equity (ytd only) | 14.1469% | 657 |
| Net charge-offs to loans | -0.0115% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.9237% | 3,917 |
| Assets per employee ($millions) | 43.1068% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3261% | 4,436 |
| Loan loss allowance to noncurrent loans | 126.4961% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 2,347 |
| Noncurrent loans to loans | 0.2578% | 2,313 |
| Net loans and leases to total assets | 72.2300% | 1,550 |
| Net loans and leases to deposits | 79.6627% | 2,078 |
| Net loans and leases to core deposits | 85.3010% | 2,230 |
| Total domestic deposits to total assets | 90.6700% | 753 |
| Equity capital to assets | 6.0971% | 3,955 |
| Core capital (leverage) ratio | 7.1509% | 4,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2566% | 1,489 |
| Memoranda: | ||
| Average total assets | $16,977,871,000 | 109 |
| Average earning assets | $16,472,078,250 | 101 |
| Average equity | $1,038,201,000 | 164 |
| Average total loans | $12,643,060,250 | 97 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8728% | 518 |
| Cost of funding earning assets | 3.5811% | 37 |
| Net interest margin | 2.2917% | 4,371 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.2661% | 4,490 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.7618% | 3,188 |
| Return on assets (ROA) | 0.7618% | 3,205 |
| Pretax return on assets | 0.9884% | 2,947 |
| Return on Equity (ROE) | 12.4500% | 2,027 |
| Retained earnings to average equity (ytd only) | 12.4450% | 894 |
| Net charge-offs to loans | -0.0000% | 3,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.1034% | 3,598 |
| Assets per employee ($millions) | 40.2159% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3050% | 4,475 |
| Loan loss allowance to noncurrent loans | 336.1157% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,107 |
| Noncurrent loans to loans | 0.0908% | 3,052 |
| Net loans and leases to total assets | 72.7400% | 1,443 |
| Net loans and leases to deposits | 80.0588% | 1,974 |
| Net loans and leases to core deposits | 85.8743% | 2,083 |
| Total domestic deposits to total assets | 90.8500% | 696 |
| Equity capital to assets | 6.2635% | 4,081 |
| Core capital (leverage) ratio | 7.1579% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1819% | 1,513 |
| Memoranda: | ||
| Average total assets | $16,659,680,333 | 110 |
| Average earning assets | $16,179,205,667 | 103 |
| Average equity | $1,019,813,667 | 163 |
| Average total loans | $12,525,759,333 | 97 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5769% | 552 |
| Cost of funding earning assets | 3.3595% | 12 |
| Net interest margin | 2.2175% | 4,492 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.2257% | 4,568 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.7276% | 3,403 |
| Return on assets (ROA) | 0.7276% | 3,362 |
| Pretax return on assets | 0.9431% | 3,144 |
| Return on Equity (ROE) | 12.0300% | 2,210 |
| Retained earnings to average equity (ytd only) | 12.0346% | 1,265 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.3682% | 3,568 |
| Assets per employee ($millions) | 42.5193% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2806% | 4,546 |
| Loan loss allowance to noncurrent loans | 303.1890% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,125 |
| Noncurrent loans to loans | 0.0925% | 3,087 |
| Net loans and leases to total assets | 72.5300% | 1,369 |
| Net loans and leases to deposits | 82.0969% | 1,648 |
| Net loans and leases to core deposits | 90.2750% | 1,601 |
| Total domestic deposits to total assets | 88.3500% | 1,792 |
| Equity capital to assets | 5.8998% | 4,239 |
| Core capital (leverage) ratio | 7.1745% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3700% | 1,842 |
| Memoranda: | ||
| Average total assets | $16,322,987,500 | 114 |
| Average earning assets | $15,867,924,000 | 106 |
| Average equity | $986,891,000 | 168 |
| Average total loans | $12,465,699,500 | 100 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 3,131 |
| Cost of funding earning assets | 1.5276% | 22 |
| Net interest margin | 1.9540% | 4,564 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.0232% | 4,643 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7774% | 3,406 |
| Return on assets (ROA) | 0.7875% | 3,299 |
| Pretax return on assets | 0.9947% | 3,088 |
| Return on Equity (ROE) | 11.9500% | 2,154 |
| Retained earnings to average equity (ytd only) | 11.9471% | 678 |
| Net charge-offs to loans | 0.0370% | 1,355 |
| Credit loss provision to net charge-offs | 167.5483% | 1,225 |
| Earnings coverage of net charge-offs (x) | 34.1663% | 1,610 |
| Efficiency ratio | 49.5728% | 4,150 |
| Assets per employee ($millions) | 39.5831% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2514% | 4,569 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 80.1400% | 577 |
| Net loans and leases to deposits | 88.6133% | 1,133 |
| Net loans and leases to core deposits | 94.8769% | 1,256 |
| Total domestic deposits to total assets | 90.4400% | 1,175 |
| Equity capital to assets | 6.2059% | 4,015 |
| Core capital (leverage) ratio | 7.2870% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3330% | 1,837 |
| Memoranda: | ||
| Average total assets | $14,272,632,800 | 130 |
| Average earning assets | $13,851,425,800 | 125 |
| Average equity | $940,774,400 | 173 |
| Average total loans | $11,761,622,400 | 104 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8822% | 4,084 |
| Cost of funding earning assets | 1.0503% | 51 |
| Net interest margin | 1.8319% | 4,598 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.0148% | 4,673 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6974% | 3,573 |
| Return on assets (ROA) | 0.7113% | 3,490 |
| Pretax return on assets | 0.8874% | 3,349 |
| Return on Equity (ROE) | 10.6200% | 2,535 |
| Retained earnings to average equity (ytd only) | 10.6178% | 1,164 |
| Net charge-offs to loans | 0.0501% | 980 |
| Credit loss provision to net charge-offs | 118.0773% | 1,231 |
| Earnings coverage of net charge-offs (x) | 22.4170% | 1,666 |
| Efficiency ratio | 52.1230% | 3,995 |
| Assets per employee ($millions) | 39.2699% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2387% | 4,611 |
| Loan loss allowance to noncurrent loans | 11,419.8444% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,014 |
| Noncurrent loans to loans | 0.0021% | 3,962 |
| Net loans and leases to total assets | 83.0800% | 317 |
| Net loans and leases to deposits | 93.1300% | 690 |
| Net loans and leases to core deposits | 96.9059% | 958 |
| Total domestic deposits to total assets | 89.2100% | 1,995 |
| Equity capital to assets | 6.2236% | 3,871 |
| Core capital (leverage) ratio | 7.2696% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5287% | 1,866 |
| Memoranda: | ||
| Average total assets | $13,941,855,250 | 131 |
| Average earning assets | $13,522,889,500 | 126 |
| Average equity | $934,003,500 | 175 |
| Average total loans | $11,569,629,750 | 106 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3370% | 4,498 |
| Cost of funding earning assets | 0.5818% | 317 |
| Net interest margin | 1.7553% | 4,642 |
| Noninterest income to average assets | 0.1699% | 4,160 |
| Noninterest expense to average assets | 0.9598% | 4,705 |
| Loan and lease loss provision to assets | 0.0706% | 1,354 |
| Net operating income to assets | 0.6551% | 3,458 |
| Return on assets (ROA) | 0.6232% | 3,511 |
| Pretax return on assets | 0.8005% | 3,325 |
| Return on Equity (ROE) | 9.0703% | 2,677 |
| Retained earnings to average equity (ytd only) | 9.0703% | 1,271 |
| Net charge-offs to loans | 0.0792% | 679 |
| Credit loss provision to net charge-offs | 83.8983% | 1,368 |
| Earnings coverage of net charge-offs (x) | 13.8921% | 1,673 |
| Efficiency ratio | 51.2883% | 4,177 |
| Assets per employee ($millions) | 38.8027% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2326% | 4,684 |
| Loan loss allowance to noncurrent loans | 6,942.8928% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,867 |
| Noncurrent loans to loans | 0.0033% | 3,976 |
| Net loans and leases to total assets | 82.5188% | 263 |
| Net loans and leases to deposits | 92.4893% | 584 |
| Net loans and leases to core deposits | 97.9798% | 760 |
| Total domestic deposits to total assets | 89.2198% | 2,080 |
| Equity capital to assets | 6.2563% | 4,115 |
| Core capital (leverage) ratio | 7.2527% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0878% | 2,024 |
| Memoranda: | ||
| Average total assets | $13,667,314,000 | 132 |
| Average earning assets | $13,248,283,333 | 129 |
| Average equity | $939,024,667 | 174 |
| Average total loans | $11,327,118,000 | 104 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0963% | 4,581 |
| Cost of funding earning assets | 0.3654% | 1,091 |
| Net interest margin | 1.7309% | 4,636 |
| Noninterest income to average assets | 0.1860% | 4,043 |
| Noninterest expense to average assets | 0.9269% | 4,736 |
| Loan and lease loss provision to assets | 0.0320% | 1,790 |
| Net operating income to assets | 0.7334% | 2,913 |
| Return on assets (ROA) | 0.7334% | 2,906 |
| Pretax return on assets | 0.9093% | 2,739 |
| Return on Equity (ROE) | 10.1776% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.1776% | 979 |
| Net charge-offs to loans | 0.1524% | 386 |
| Credit loss provision to net charge-offs | 15.5974% | 1,303 |
| Earnings coverage of net charge-offs (x) | 7.4443% | 1,537 |
| Efficiency ratio | 49.6158% | 4,331 |
| Assets per employee ($millions) | 38.8639% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2225% | 4,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,913 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 82.4995% | 141 |
| Net loans and leases to deposits | 92.0043% | 427 |
| Net loans and leases to core deposits | 102.5032% | 432 |
| Total domestic deposits to total assets | 89.6692% | 1,732 |
| Equity capital to assets | 7.0511% | 4,189 |
| Core capital (leverage) ratio | 7.5155% | 4,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4248% | 2,026 |
| Memoranda: | ||
| Average total assets | $13,264,270,500 | 135 |
| Average earning assets | $12,891,543,500 | 131 |
| Average equity | $955,784,500 | 175 |
| Average total loans | $11,005,121,500 | 108 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1028% | 4,653 |
| Cost of funding earning assets | 0.4172% | 1,418 |
| Net interest margin | 1.6856% | 4,693 |
| Noninterest income to average assets | 0.1844% | 4,232 |
| Noninterest expense to average assets | 0.9498% | 4,765 |
| Loan and lease loss provision to assets | 0.0030% | 3,017 |
| Net operating income to assets | 0.7401% | 3,519 |
| Return on assets (ROA) | 0.7419% | 3,573 |
| Pretax return on assets | 0.8667% | 3,576 |
| Return on Equity (ROE) | 10.3118% | 2,411 |
| Retained earnings to average equity (ytd only) | 10.3118% | 840 |
| Net charge-offs to loans | 0.0737% | 1,053 |
| Credit loss provision to net charge-offs | 11.9065% | 2,299 |
| Earnings coverage of net charge-offs (x) | 14.3030% | 2,035 |
| Efficiency ratio | 52.2629% | 4,091 |
| Assets per employee ($millions) | 41.9681% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2654% | 4,744 |
| Loan loss allowance to noncurrent loans | 662.2537% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 3,647 |
| Noncurrent loans to loans | 0.0401% | 3,783 |
| Net loans and leases to total assets | 83.0468% | 146 |
| Net loans and leases to deposits | 93.0293% | 415 |
| Net loans and leases to core deposits | 101.8047% | 458 |
| Total domestic deposits to total assets | 89.2695% | 1,370 |
| Equity capital to assets | 7.3684% | 4,633 |
| Core capital (leverage) ratio | 7.7588% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5999% | 2,019 |
| Memoranda: | ||
| Average total assets | $11,354,110,800 | 148 |
| Average earning assets | $10,999,664,600 | 141 |
| Average equity | $816,915,200 | 193 |
| Average total loans | $9,339,171,400 | 129 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1022% | 4,742 |
| Cost of funding earning assets | 0.4353% | 1,452 |
| Net interest margin | 1.6669% | 4,775 |
| Noninterest income to average assets | 0.1786% | 4,308 |
| Noninterest expense to average assets | 0.9428% | 4,847 |
| Loan and lease loss provision to assets | 0.0002% | 2,961 |
| Net operating income to assets | 0.7030% | 3,759 |
| Return on assets (ROA) | 0.7043% | 3,824 |
| Pretax return on assets | 0.8504% | 3,797 |
| Return on Equity (ROE) | 9.8592% | 2,786 |
| Retained earnings to average equity (ytd only) | 9.8592% | 1,367 |
| Net charge-offs to loans | 0.0399% | 1,289 |
| Credit loss provision to net charge-offs | 15.7249% | 2,005 |
| Earnings coverage of net charge-offs (x) | 25.9487% | 1,603 |
| Efficiency ratio | 52.6146% | 3,969 |
| Assets per employee ($millions) | 41.9270% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3279% | 4,803 |
| Loan loss allowance to noncurrent loans | 375.2232% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,502 |
| Noncurrent loans to loans | 0.0874% | 3,645 |
| Net loans and leases to total assets | 81.4630% | 222 |
| Net loans and leases to deposits | 91.2931% | 527 |
| Net loans and leases to core deposits | 101.9710% | 523 |
| Total domestic deposits to total assets | 89.2324% | 1,157 |
| Equity capital to assets | 6.8572% | 4,835 |
| Core capital (leverage) ratio | 7.2390% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3845% | 2,588 |
| Memoranda: | ||
| Average total assets | $10,961,098,250 | 151 |
| Average earning assets | $10,607,873,500 | 145 |
| Average equity | $783,030,500 | 195 |
| Average total loans | $8,983,133,250 | 131 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1002% | 4,785 |
| Cost of funding earning assets | 0.4499% | 1,519 |
| Net interest margin | 1.6503% | 4,821 |
| Noninterest income to average assets | 0.1873% | 4,268 |
| Noninterest expense to average assets | 0.9177% | 4,887 |
| Loan and lease loss provision to assets | -0.0008% | 4,371 |
| Net operating income to assets | 0.6913% | 3,780 |
| Return on assets (ROA) | 0.6928% | 3,844 |
| Pretax return on assets | 0.8683% | 3,728 |
| Return on Equity (ROE) | 9.5521% | 2,930 |
| Retained earnings to average equity (ytd only) | 9.5521% | 1,538 |
| Net charge-offs to loans | 0.0564% | 1,056 |
| Credit loss provision to net charge-offs | 16.2724% | 1,750 |
| Earnings coverage of net charge-offs (x) | 18.6929% | 1,560 |
| Efficiency ratio | 51.4583% | 4,103 |
| Assets per employee ($millions) | 40.4994% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3509% | 4,826 |
| Loan loss allowance to noncurrent loans | 290.3994% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 3,435 |
| Noncurrent loans to loans | 0.1208% | 3,585 |
| Net loans and leases to total assets | 80.7092% | 275 |
| Net loans and leases to deposits | 90.4880% | 620 |
| Net loans and leases to core deposits | 101.8787% | 596 |
| Total domestic deposits to total assets | 89.1933% | 1,186 |
| Equity capital to assets | 6.8726% | 4,870 |
| Core capital (leverage) ratio | 7.3434% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2644% | 2,625 |
| Memoranda: | ||
| Average total assets | $10,589,803,000 | 153 |
| Average earning assets | $10,241,557,000 | 146 |
| Average equity | $768,038,667 | 199 |
| Average total loans | $8,687,840,667 | 135 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1192% | 4,812 |
| Cost of funding earning assets | 0.4826% | 1,497 |
| Net interest margin | 1.6366% | 4,856 |
| Noninterest income to average assets | 0.1824% | 4,283 |
| Noninterest expense to average assets | 0.9095% | 4,924 |
| Loan and lease loss provision to assets | -0.0082% | 4,573 |
| Net operating income to assets | 0.6766% | 3,763 |
| Return on assets (ROA) | 0.6766% | 3,831 |
| Pretax return on assets | 0.8629% | 3,686 |
| Return on Equity (ROE) | 9.0608% | 3,015 |
| Retained earnings to average equity (ytd only) | 9.0608% | 1,937 |
| Net charge-offs to loans | 0.0095% | 1,578 |
| Credit loss provision to net charge-offs | 107.0352% | 1,082 |
| Earnings coverage of net charge-offs (x) | 109.0251% | 583 |
| Efficiency ratio | 51.5541% | 4,042 |
| Assets per employee ($millions) | 38.8458% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4055% | 4,824 |
| Loan loss allowance to noncurrent loans | 148.0386% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 2,893 |
| Noncurrent loans to loans | 0.2739% | 3,120 |
| Net loans and leases to total assets | 81.1236% | 274 |
| Net loans and leases to deposits | 91.6487% | 613 |
| Net loans and leases to core deposits | 100.9043% | 679 |
| Total domestic deposits to total assets | 88.5159% | 1,598 |
| Equity capital to assets | 7.3175% | 4,768 |
| Core capital (leverage) ratio | 7.6489% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4885% | 2,494 |
| Memoranda: | ||
| Average total assets | $10,154,040,000 | 156 |
| Average earning assets | $9,813,526,500 | 149 |
| Average equity | $758,214,000 | 199 |
| Average total loans | $8,390,300,000 | 138 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5193% | 4,839 |
| Cost of funding earning assets | 0.8743% | 931 |
| Net interest margin | 1.6450% | 4,902 |
| Noninterest income to average assets | 0.2357% | 4,090 |
| Noninterest expense to average assets | 1.0084% | 4,931 |
| Loan and lease loss provision to assets | 0.2161% | 1,818 |
| Net operating income to assets | 0.5039% | 4,021 |
| Return on assets (ROA) | 0.5412% | 4,026 |
| Pretax return on assets | 0.6340% | 4,007 |
| Return on Equity (ROE) | 7.7134% | 2,924 |
| Retained earnings to average equity (ytd only) | 7.7134% | 1,141 |
| Net charge-offs to loans | -0.0038% | 4,072 |
| Credit loss provision to net charge-offs | -6,917.9211% | 4,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5739% | 4,038 |
| Assets per employee ($millions) | 38.5087% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4204% | 4,846 |
| Loan loss allowance to noncurrent loans | 357.7479% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 3,654 |
| Noncurrent loans to loans | 0.1175% | 3,814 |
| Net loans and leases to total assets | 83.5338% | 201 |
| Net loans and leases to deposits | 96.2077% | 543 |
| Net loans and leases to core deposits | 106.4166% | 627 |
| Total domestic deposits to total assets | 86.8265% | 2,017 |
| Equity capital to assets | 7.6269% | 4,818 |
| Core capital (leverage) ratio | 7.8288% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4110% | 2,484 |
| Memoranda: | ||
| Average total assets | $8,978,799,200 | 162 |
| Average earning assets | $8,617,105,800 | 153 |
| Average equity | $630,031,200 | 223 |
| Average total loans | $7,319,668,400 | 146 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6339% | 4,875 |
| Cost of funding earning assets | 0.9808% | 813 |
| Net interest margin | 1.6531% | 4,952 |
| Noninterest income to average assets | 0.2417% | 4,033 |
| Noninterest expense to average assets | 0.9802% | 4,974 |
| Loan and lease loss provision to assets | 0.2498% | 1,618 |
| Net operating income to assets | 0.4874% | 4,067 |
| Return on assets (ROA) | 0.5349% | 4,037 |
| Pretax return on assets | 0.6547% | 3,995 |
| Return on Equity (ROE) | 7.8139% | 2,877 |
| Retained earnings to average equity (ytd only) | 7.8139% | 1,367 |
| Net charge-offs to loans | -0.0032% | 3,960 |
| Credit loss provision to net charge-offs | -9,663.5294% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6588% | 4,189 |
| Assets per employee ($millions) | 38.7436% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4012% | 4,881 |
| Loan loss allowance to noncurrent loans | 454.6343% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 3,930 |
| Noncurrent loans to loans | 0.0882% | 4,016 |
| Net loans and leases to total assets | 80.9769% | 525 |
| Net loans and leases to deposits | 93.0081% | 1,004 |
| Net loans and leases to core deposits | 100.3957% | 1,136 |
| Total domestic deposits to total assets | 87.0644% | 1,641 |
| Equity capital to assets | 6.9611% | 4,956 |
| Core capital (leverage) ratio | 6.9977% | 4,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4635% | 2,803 |
| Memoranda: | ||
| Average total assets | $8,768,569,250 | 163 |
| Average earning assets | $8,407,254,500 | 154 |
| Average equity | $600,303,500 | 228 |
| Average total loans | $7,090,231,000 | 149 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8261% | 4,896 |
| Cost of funding earning assets | 1.1354% | 641 |
| Net interest margin | 1.6908% | 4,997 |
| Noninterest income to average assets | 0.2541% | 3,949 |
| Noninterest expense to average assets | 0.9587% | 5,015 |
| Loan and lease loss provision to assets | 0.2104% | 1,962 |
| Net operating income to assets | 0.5770% | 3,812 |
| Return on assets (ROA) | 0.5784% | 3,884 |
| Pretax return on assets | 0.7075% | 3,858 |
| Return on Equity (ROE) | 8.5004% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.5004% | 1,158 |
| Net charge-offs to loans | -0.0049% | 4,012 |
| Credit loss provision to net charge-offs | -5,292.9412% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1343% | 4,422 |
| Assets per employee ($millions) | 39.5523% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3246% | 4,949 |
| Loan loss allowance to noncurrent loans | 343.3038% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 4,008 |
| Noncurrent loans to loans | 0.0946% | 4,081 |
| Net loans and leases to total assets | 78.9126% | 734 |
| Net loans and leases to deposits | 91.0783% | 1,255 |
| Net loans and leases to core deposits | 103.2102% | 1,049 |
| Total domestic deposits to total assets | 86.6426% | 1,755 |
| Equity capital to assets | 7.1348% | 4,950 |
| Core capital (leverage) ratio | 7.1146% | 4,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5164% | 2,810 |
| Memoranda: | ||
| Average total assets | $8,553,190,333 | 165 |
| Average earning assets | $8,199,415,333 | 157 |
| Average equity | $581,947,667 | 231 |
| Average total loans | $6,902,159,333 | 152 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2235% | 4,859 |
| Cost of funding earning assets | 1.4709% | 299 |
| Net interest margin | 1.7526% | 5,055 |
| Noninterest income to average assets | 0.2724% | 3,899 |
| Noninterest expense to average assets | 1.0136% | 5,059 |
| Loan and lease loss provision to assets | 0.1442% | 1,952 |
| Net operating income to assets | 0.6358% | 3,489 |
| Return on assets (ROA) | 0.6380% | 3,546 |
| Pretax return on assets | 0.7993% | 3,418 |
| Return on Equity (ROE) | 9.6325% | 1,865 |
| Retained earnings to average equity (ytd only) | 9.6325% | 819 |
| Net charge-offs to loans | -0.0120% | 4,136 |
| Credit loss provision to net charge-offs | -1,474.3842% | 3,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8615% | 4,557 |
| Assets per employee ($millions) | 39.6227% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2487% | 5,019 |
| Loan loss allowance to noncurrent loans | 9,404.3478% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 4,347 |
| Noncurrent loans to loans | 0.0026% | 4,571 |
| Net loans and leases to total assets | 77.8548% | 1,001 |
| Net loans and leases to deposits | 89.0719% | 1,631 |
| Net loans and leases to core deposits | 109.2603% | 886 |
| Total domestic deposits to total assets | 87.4067% | 1,379 |
| Equity capital to assets | 6.3454% | 5,095 |
| Core capital (leverage) ratio | 7.3579% | 5,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6949% | 3,184 |
| Memoranda: | ||
| Average total assets | $8,301,047,500 | 166 |
| Average earning assets | $7,966,730,000 | 158 |
| Average equity | $549,804,500 | 248 |
| Average total loans | $6,767,854,000 | 155 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 4,174 |
| Cost of funding earning assets | 2.0675% | 45 |
| Net interest margin | 1.9699% | 5,097 |
| Noninterest income to average assets | 0.2229% | 4,331 |
| Noninterest expense to average assets | 1.1543% | 5,100 |
| Loan and lease loss provision to assets | -0.0143% | 4,945 |
| Net operating income to assets | 0.8605% | 3,354 |
| Return on assets (ROA) | 0.8659% | 3,425 |
| Pretax return on assets | 0.9846% | 3,500 |
| Return on Equity (ROE) | 12.3812% | 1,371 |
| Retained earnings to average equity (ytd only) | 12.3812% | 213 |
| Net charge-offs to loans | -0.0325% | 4,729 |
| Credit loss provision to net charge-offs | 51.7666% | 3,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4891% | 4,377 |
| Assets per employee ($millions) | 35.1004% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2145% | 5,083 |
| Loan loss allowance to noncurrent loans | 7,667.3913% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,335 |
| Noncurrent loans to loans | 0.0028% | 4,595 |
| Net loans and leases to total assets | 85.3840% | 212 |
| Net loans and leases to deposits | 98.6566% | 703 |
| Net loans and leases to core deposits | 114.5517% | 648 |
| Total domestic deposits to total assets | 86.5467% | 1,827 |
| Equity capital to assets | 6.9456% | 5,145 |
| Core capital (leverage) ratio | 7.2173% | 5,124 |
| Tier 1 risk-based capital ratio | 11.2572% | 4,752 |
| Total risk-based capital ratio | 11.5689% | 5,006 |
| Memoranda: | ||
| Average total assets | $6,752,349,200 | 181 |
| Average earning assets | $6,497,589,400 | 171 |
| Average equity | $472,254,800 | 255 |
| Average total loans | $5,745,754,200 | 162 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 3,950 |
| Cost of funding earning assets | 2.1661% | 30 |
| Net interest margin | 2.0189% | 5,181 |
| Noninterest income to average assets | 0.2141% | 4,444 |
| Noninterest expense to average assets | 1.1632% | 5,177 |
| Loan and lease loss provision to assets | -0.0347% | 5,107 |
| Net operating income to assets | 0.8894% | 3,382 |
| Return on assets (ROA) | 0.8955% | 3,437 |
| Pretax return on assets | 1.0351% | 3,488 |
| Return on Equity (ROE) | 12.7782% | 1,361 |
| Retained earnings to average equity (ytd only) | 12.7782% | 303 |
| Net charge-offs to loans | -0.0448% | 4,809 |
| Credit loss provision to net charge-offs | 91.0849% | 2,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9388% | 4,404 |
| Assets per employee ($millions) | 32.4839% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2223% | 5,153 |
| Loan loss allowance to noncurrent loans | 7,268.4783% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 4,400 |
| Noncurrent loans to loans | 0.0031% | 4,677 |
| Net loans and leases to total assets | 84.3874% | 310 |
| Net loans and leases to deposits | 97.8999% | 828 |
| Net loans and leases to core deposits | 112.1104% | 842 |
| Total domestic deposits to total assets | 86.1977% | 1,905 |
| Equity capital to assets | 6.9001% | 5,228 |
| Core capital (leverage) ratio | 7.1991% | 5,210 |
| Tier 1 risk-based capital ratio | 11.0696% | 4,878 |
| Total risk-based capital ratio | 11.3843% | 5,096 |
| Memoranda: | ||
| Average total assets | $6,518,691,250 | 185 |
| Average earning assets | $6,271,836,000 | 177 |
| Average equity | $456,841,000 | 264 |
| Average total loans | $5,537,803,000 | 169 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 3,811 |
| Cost of funding earning assets | 2.1829% | 22 |
| Net interest margin | 2.0604% | 5,235 |
| Noninterest income to average assets | 0.1695% | 4,738 |
| Noninterest expense to average assets | 1.2000% | 5,225 |
| Loan and lease loss provision to assets | -0.0345% | 5,158 |
| Net operating income to assets | 0.8721% | 3,396 |
| Return on assets (ROA) | 0.8760% | 3,444 |
| Pretax return on assets | 0.9926% | 3,572 |
| Return on Equity (ROE) | 12.4284% | 1,440 |
| Retained earnings to average equity (ytd only) | 12.4284% | 360 |
| Net charge-offs to loans | -0.0705% | 4,927 |
| Credit loss provision to net charge-offs | 57.4064% | 2,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7191% | 4,281 |
| Assets per employee ($millions) | 32.3409% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2474% | 5,202 |
| Loan loss allowance to noncurrent loans | 640.2924% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 4,376 |
| Noncurrent loans to loans | 0.0386% | 4,517 |
| Net loans and leases to total assets | 83.6027% | 398 |
| Net loans and leases to deposits | 96.4361% | 992 |
| Net loans and leases to core deposits | 113.1796% | 811 |
| Total domestic deposits to total assets | 86.6922% | 1,732 |
| Equity capital to assets | 7.0018% | 5,263 |
| Core capital (leverage) ratio | 7.4327% | 5,236 |
| Tier 1 risk-based capital ratio | 11.3838% | 4,743 |
| Total risk-based capital ratio | 11.7258% | 5,030 |
| Memoranda: | ||
| Average total assets | $6,320,260,670 | 190 |
| Average earning assets | $6,086,843,000 | 180 |
| Average equity | $445,497,330 | 270 |
| Average total loans | $5,378,177,330 | 170 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 3,625 |
| Cost of funding earning assets | 2.1727% | 22 |
| Net interest margin | 2.1041% | 5,301 |
| Noninterest income to average assets | 0.1886% | 4,622 |
| Noninterest expense to average assets | 1.2471% | 5,272 |
| Loan and lease loss provision to assets | -0.0247% | 5,229 |
| Net operating income to assets | 0.8605% | 3,401 |
| Return on assets (ROA) | 0.8621% | 3,444 |
| Pretax return on assets | 0.9948% | 3,450 |
| Return on Equity (ROE) | 12.1850% | 1,469 |
| Retained earnings to average equity (ytd only) | 12.1850% | 581 |
| Net charge-offs to loans | -0.1437% | 5,113 |
| Credit loss provision to net charge-offs | 20.0425% | 2,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2922% | 4,294 |
| Assets per employee ($millions) | 31.7480% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2757% | 5,256 |
| Loan loss allowance to noncurrent loans | 200.7368% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 3,981 |
| Noncurrent loans to loans | 0.1373% | 4,121 |
| Net loans and leases to total assets | 85.0928% | 268 |
| Net loans and leases to deposits | 99.5357% | 669 |
| Net loans and leases to core deposits | 118.1324% | 575 |
| Total domestic deposits to total assets | 85.4898% | 2,489 |
| Equity capital to assets | 7.0337% | 5,310 |
| Core capital (leverage) ratio | 7.2918% | 5,302 |
| Tier 1 risk-based capital ratio | 11.1847% | 4,895 |
| Total risk-based capital ratio | 11.5732% | 5,150 |
| Memoranda: | ||
| Average total assets | $6,100,763,000 | 197 |
| Average earning assets | $5,876,460,500 | 187 |
| Average equity | $431,612,500 | 275 |
| Average total loans | $5,234,799,000 | 172 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 4,127 |
| Cost of funding earning assets | 1.6706% | 47 |
| Net interest margin | 2.2947% | 5,285 |
| Noninterest income to average assets | 0.2130% | 4,632 |
| Noninterest expense to average assets | 1.2881% | 5,304 |
| Loan and lease loss provision to assets | -0.0039% | 5,084 |
| Net operating income to assets | 1.0298% | 2,888 |
| Return on assets (ROA) | 1.0286% | 2,879 |
| Pretax return on assets | 1.1409% | 3,127 |
| Return on Equity (ROE) | 13.7848% | 1,105 |
| Retained earnings to average equity (ytd only) | 13.7848% | 179 |
| Net charge-offs to loans | 0.0219% | 2,989 |
| Credit loss provision to net charge-offs | -20.4183% | 4,290 |
| Earnings coverage of net charge-offs (x) | 59.1404% | 1,028 |
| Efficiency ratio | 53.0865% | 4,712 |
| Assets per employee ($millions) | 31.4665% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2573% | 5,310 |
| Loan loss allowance to noncurrent loans | 590.4336% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 4,348 |
| Noncurrent loans to loans | 0.0436% | 4,559 |
| Net loans and leases to total assets | 86.0858% | 229 |
| Net loans and leases to deposits | 101.0739% | 664 |
| Net loans and leases to core deposits | 120.3393% | 531 |
| Total domestic deposits to total assets | 85.1712% | 2,577 |
| Equity capital to assets | 7.1179% | 5,325 |
| Core capital (leverage) ratio | 7.4866% | 5,324 |
| Tier 1 risk-based capital ratio | 10.9001% | 5,018 |
| Total risk-based capital ratio | 11.2450% | 5,258 |
| Memoranda: | ||
| Average total assets | $5,216,343,800 | 218 |
| Average earning assets | $5,031,306,200 | 203 |
| Average equity | $389,239,800 | 288 |
| Average total loans | $4,586,233,400 | 183 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 4,248 |
| Cost of funding earning assets | 1.5385% | 59 |
| Net interest margin | 2.3450% | 5,335 |
| Noninterest income to average assets | 0.2086% | 4,714 |
| Noninterest expense to average assets | 1.2982% | 5,370 |
| Loan and lease loss provision to assets | 0.0100% | 3,788 |
| Net operating income to assets | 1.0172% | 3,014 |
| Return on assets (ROA) | 1.0173% | 3,029 |
| Pretax return on assets | 1.1626% | 3,149 |
| Return on Equity (ROE) | 13.4499% | 1,284 |
| Retained earnings to average equity (ytd only) | 13.4499% | 307 |
| Net charge-offs to loans | 0.0363% | 2,356 |
| Credit loss provision to net charge-offs | 31.0744% | 2,963 |
| Earnings coverage of net charge-offs (x) | 36.5794% | 1,421 |
| Efficiency ratio | 52.5463% | 4,753 |
| Assets per employee ($millions) | 29.1442% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2855% | 5,360 |
| Loan loss allowance to noncurrent loans | 598.6338% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 4,436 |
| Noncurrent loans to loans | 0.0477% | 4,684 |
| Net loans and leases to total assets | 86.5975% | 215 |
| Net loans and leases to deposits | 99.5354% | 828 |
| Net loans and leases to core deposits | 115.5681% | 735 |
| Total domestic deposits to total assets | 87.0017% | 1,732 |
| Equity capital to assets | 7.4569% | 5,314 |
| Core capital (leverage) ratio | 7.7125% | 5,368 |
| Tier 1 risk-based capital ratio | 11.9220% | 4,540 |
| Total risk-based capital ratio | 12.3027% | 4,912 |
| Memoranda: | ||
| Average total assets | $5,033,638,500 | 221 |
| Average earning assets | $4,855,365,750 | 210 |
| Average equity | $380,721,000 | 292 |
| Average total loans | $4,449,573,500 | 184 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 4,386 |
| Cost of funding earning assets | 1.4007% | 72 |
| Net interest margin | 2.3810% | 5,391 |
| Noninterest income to average assets | 0.2058% | 4,782 |
| Noninterest expense to average assets | 1.3105% | 5,429 |
| Loan and lease loss provision to assets | 0.0250% | 3,418 |
| Net operating income to assets | 1.0104% | 2,972 |
| Return on assets (ROA) | 1.0106% | 2,974 |
| Pretax return on assets | 1.1665% | 3,067 |
| Return on Equity (ROE) | 13.2911% | 1,269 |
| Retained earnings to average equity (ytd only) | 13.2911% | 340 |
| Net charge-offs to loans | -0.0135% | 4,422 |
| Credit loss provision to net charge-offs | -207.4830% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3835% | 4,847 |
| Assets per employee ($millions) | 28.1068% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3365% | 5,402 |
| Loan loss allowance to noncurrent loans | 628.6828% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,409 |
| Noncurrent loans to loans | 0.0535% | 4,671 |
| Net loans and leases to total assets | 88.2194% | 127 |
| Net loans and leases to deposits | 101.8795% | 674 |
| Net loans and leases to core deposits | 118.0356% | 629 |
| Total domestic deposits to total assets | 86.5919% | 2,018 |
| Equity capital to assets | 7.6553% | 5,330 |
| Core capital (leverage) ratio | 7.8651% | 5,380 |
| Tier 1 risk-based capital ratio | 12.3787% | 4,258 |
| Total risk-based capital ratio | 12.8227% | 4,638 |
| Memoranda: | ||
| Average total assets | $4,885,147,670 | 222 |
| Average earning assets | $4,710,642,000 | 214 |
| Average equity | $371,437,670 | 294 |
| Average total loans | $4,346,646,000 | 186 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6079% | 4,689 |
| Cost of funding earning assets | 1.2694% | 99 |
| Net interest margin | 2.3384% | 5,460 |
| Noninterest income to average assets | 0.1830% | 4,930 |
| Noninterest expense to average assets | 1.3277% | 5,486 |
| Loan and lease loss provision to assets | 0.0164% | 3,320 |
| Net operating income to assets | 0.8531% | 3,489 |
| Return on assets (ROA) | 0.8534% | 3,502 |
| Pretax return on assets | 1.0935% | 3,194 |
| Return on Equity (ROE) | 11.2657% | 1,867 |
| Retained earnings to average equity (ytd only) | 11.2657% | 834 |
| Net charge-offs to loans | -0.0194% | 4,542 |
| Credit loss provision to net charge-offs | -94.6602% | 3,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4777% | 4,754 |
| Assets per employee ($millions) | 28.5215% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3444% | 5,467 |
| Loan loss allowance to noncurrent loans | 598.2237% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 4,453 |
| Noncurrent loans to loans | 0.0576% | 4,716 |
| Net loans and leases to total assets | 88.9591% | 96 |
| Net loans and leases to deposits | 104.2621% | 468 |
| Net loans and leases to core deposits | 141.4129% | 198 |
| Total domestic deposits to total assets | 85.3225% | 2,821 |
| Equity capital to assets | 7.8528% | 5,308 |
| Core capital (leverage) ratio | 8.0295% | 5,382 |
| Tier 1 risk-based capital ratio | 12.4055% | 4,303 |
| Total risk-based capital ratio | 12.8291% | 4,710 |
| Memoranda: | ||
| Average total assets | $4,755,948,000 | 225 |
| Average earning assets | $4,584,424,500 | 215 |
| Average equity | $360,279,500 | 301 |
| Average total loans | $4,243,505,000 | 191 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2887% | 5,093 |
| Cost of funding earning assets | 0.9974% | 217 |
| Net interest margin | 2.2913% | 5,506 |
| Noninterest income to average assets | 0.2258% | 4,788 |
| Noninterest expense to average assets | 1.3959% | 5,523 |
| Loan and lease loss provision to assets | -0.0147% | 5,318 |
| Net operating income to assets | 0.8350% | 3,013 |
| Return on assets (ROA) | 0.8408% | 3,023 |
| Pretax return on assets | 1.0585% | 3,351 |
| Return on Equity (ROE) | 11.1048% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.1048% | 235 |
| Net charge-offs to loans | 0.0989% | 2,090 |
| Credit loss provision to net charge-offs | -16.7383% | 4,599 |
| Earnings coverage of net charge-offs (x) | 11.7843% | 2,532 |
| Efficiency ratio | 57.3892% | 4,604 |
| Assets per employee ($millions) | 28.0944% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3446% | 5,532 |
| Loan loss allowance to noncurrent loans | 452.9375% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,425 |
| Noncurrent loans to loans | 0.0761% | 4,659 |
| Net loans and leases to total assets | 88.8755% | 104 |
| Net loans and leases to deposits | 104.3262% | 479 |
| Net loans and leases to core deposits | 149.5891% | 136 |
| Total domestic deposits to total assets | 85.1901% | 2,761 |
| Equity capital to assets | 7.2903% | 5,564 |
| Core capital (leverage) ratio | 7.5463% | 5,554 |
| Tier 1 risk-based capital ratio | 11.6237% | 4,772 |
| Total risk-based capital ratio | 11.9928% | 5,169 |
| Memoranda: | ||
| Average total assets | $4,231,920,400 | 240 |
| Average earning assets | $4,075,492,200 | 230 |
| Average equity | $320,430,000 | 320 |
| Average total loans | $3,764,874,000 | 201 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2360% | 5,191 |
| Cost of funding earning assets | 0.9478% | 260 |
| Net interest margin | 2.2882% | 5,575 |
| Noninterest income to average assets | 0.2230% | 4,883 |
| Noninterest expense to average assets | 1.3559% | 5,591 |
| Loan and lease loss provision to assets | 0.0337% | 3,446 |
| Net operating income to assets | 0.7883% | 3,568 |
| Return on assets (ROA) | 0.7945% | 3,590 |
| Pretax return on assets | 1.0450% | 3,507 |
| Return on Equity (ROE) | 10.3836% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.3836% | 510 |
| Net charge-offs to loans | 0.1393% | 1,409 |
| Credit loss provision to net charge-offs | 27.2418% | 3,101 |
| Earnings coverage of net charge-offs (x) | 8.6421% | 2,755 |
| Efficiency ratio | 55.8806% | 4,759 |
| Assets per employee ($millions) | 26.7252% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4065% | 5,557 |
| Loan loss allowance to noncurrent loans | 230.3777% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 4,105 |
| Noncurrent loans to loans | 0.1765% | 4,363 |
| Net loans and leases to total assets | 88.7753% | 123 |
| Net loans and leases to deposits | 103.6549% | 517 |
| Net loans and leases to core deposits | 152.2966% | 109 |
| Total domestic deposits to total assets | 85.6451% | 2,458 |
| Equity capital to assets | 7.4806% | 5,617 |
| Core capital (leverage) ratio | 7.6605% | 5,601 |
| Tier 1 risk-based capital ratio | 11.5715% | 4,908 |
| Total risk-based capital ratio | 12.0107% | 5,271 |
| Memoranda: | ||
| Average total assets | $4,116,960,500 | 244 |
| Average earning assets | $3,964,486,500 | 235 |
| Average equity | $315,026,500 | 324 |
| Average total loans | $3,660,031,500 | 204 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1370% | 5,314 |
| Cost of funding earning assets | 0.8674% | 373 |
| Net interest margin | 2.2697% | 5,621 |
| Noninterest income to average assets | 0.2195% | 4,940 |
| Noninterest expense to average assets | 1.3581% | 5,643 |
| Loan and lease loss provision to assets | 0.0378% | 3,258 |
| Net operating income to assets | 0.7266% | 3,728 |
| Return on assets (ROA) | 0.7351% | 3,753 |
| Pretax return on assets | 1.0211% | 3,473 |
| Return on Equity (ROE) | 9.5292% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.5292% | 696 |
| Net charge-offs to loans | 0.1991% | 1,012 |
| Credit loss provision to net charge-offs | 21.3622% | 2,778 |
| Earnings coverage of net charge-offs (x) | 5.9220% | 2,764 |
| Efficiency ratio | 56.4675% | 4,768 |
| Assets per employee ($millions) | 25.9035% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4234% | 5,594 |
| Loan loss allowance to noncurrent loans | 203.9336% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 4,010 |
| Noncurrent loans to loans | 0.2076% | 4,289 |
| Net loans and leases to total assets | 88.9412% | 113 |
| Net loans and leases to deposits | 106.1527% | 391 |
| Net loans and leases to core deposits | 150.6592% | 119 |
| Total domestic deposits to total assets | 83.7861% | 3,290 |
| Equity capital to assets | 7.5571% | 5,647 |
| Core capital (leverage) ratio | 7.7084% | 5,609 |
| Tier 1 risk-based capital ratio | 11.6391% | 4,870 |
| Total risk-based capital ratio | 12.0781% | 5,258 |
| Memoranda: | ||
| Average total assets | $4,019,393,670 | 252 |
| Average earning assets | $3,870,396,330 | 237 |
| Average equity | $310,078,330 | 328 |
| Average total loans | $3,569,818,670 | 211 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0386% | 5,426 |
| Cost of funding earning assets | 0.7708% | 577 |
| Net interest margin | 2.2678% | 5,673 |
| Noninterest income to average assets | 0.2113% | 5,001 |
| Noninterest expense to average assets | 1.3890% | 5,697 |
| Loan and lease loss provision to assets | 0.0248% | 3,252 |
| Net operating income to assets | 0.6824% | 3,778 |
| Return on assets (ROA) | 0.6823% | 3,817 |
| Pretax return on assets | 0.9812% | 3,446 |
| Return on Equity (ROE) | 8.7480% | 2,541 |
| Retained earnings to average equity (ytd only) | 8.7480% | 1,168 |
| Net charge-offs to loans | 0.3252% | 570 |
| Credit loss provision to net charge-offs | 8.6170% | 2,234 |
| Earnings coverage of net charge-offs (x) | 3.4950% | 2,478 |
| Efficiency ratio | 57.9899% | 4,715 |
| Assets per employee ($millions) | 24.6269% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4576% | 5,633 |
| Loan loss allowance to noncurrent loans | 115.1711% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 3,375 |
| Noncurrent loans to loans | 0.3973% | 3,671 |
| Net loans and leases to total assets | 88.2532% | 101 |
| Net loans and leases to deposits | 106.0119% | 321 |
| Net loans and leases to core deposits | 149.9147% | 106 |
| Total domestic deposits to total assets | 83.2484% | 3,748 |
| Equity capital to assets | 7.7586% | 5,610 |
| Core capital (leverage) ratio | 7.8045% | 5,629 |
| Tier 1 risk-based capital ratio | 11.8324% | 4,827 |
| Total risk-based capital ratio | 12.2850% | 5,196 |
| Memoranda: | ||
| Average total assets | $3,917,951,500 | 258 |
| Average earning assets | $3,772,935,000 | 243 |
| Average equity | $305,577,000 | 330 |
| Average total loans | $3,469,072,000 | 218 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9087% | 5,571 |
| Cost of funding earning assets | 0.6320% | 1,147 |
| Net interest margin | 2.2766% | 5,719 |
| Noninterest income to average assets | 0.2685% | 4,803 |
| Noninterest expense to average assets | 1.5056% | 5,714 |
| Loan and lease loss provision to assets | 0.0240% | 3,885 |
| Net operating income to assets | 0.6591% | 3,957 |
| Return on assets (ROA) | 0.6607% | 4,066 |
| Pretax return on assets | 0.9342% | 3,714 |
| Return on Equity (ROE) | 7.8583% | 3,020 |
| Retained earnings to average equity (ytd only) | 1.9089% | 4,447 |
| Net charge-offs to loans | 0.0016% | 4,222 |
| Credit loss provision to net charge-offs | 1,676.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 668.8800% | 122 |
| Efficiency ratio | 61.1658% | 4,386 |
| Assets per employee ($millions) | 24.6561% | 36 |
| Cash dividends to net income (ytd only)* | 75.7084% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 5,599 |
| Loan loss allowance to noncurrent loans | 105.4637% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 3,025 |
| Noncurrent loans to loans | 0.5231% | 3,282 |
| Net loans and leases to total assets | 87.9350% | 128 |
| Net loans and leases to deposits | 102.5656% | 495 |
| Net loans and leases to core deposits | 157.9937% | 88 |
| Total domestic deposits to total assets | 85.7354% | 2,706 |
| Equity capital to assets | 7.8417% | 5,622 |
| Core capital (leverage) ratio | 8.0428% | 5,601 |
| Tier 1 risk-based capital ratio | 11.7458% | 4,897 |
| Total risk-based capital ratio | 12.3891% | 5,147 |
| Memoranda: | ||
| Average total assets | $3,498,632,600 | 269 |
| Average earning assets | $3,370,182,200 | 257 |
| Average equity | $294,149,200 | 326 |
| Average total loans | $3,062,180,600 | 227 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9155% | 5,640 |
| Cost of funding earning assets | 0.6138% | 1,244 |
| Net interest margin | 2.3018% | 5,773 |
| Noninterest income to average assets | 0.2332% | 5,077 |
| Noninterest expense to average assets | 1.4791% | 5,774 |
| Loan and lease loss provision to assets | -0.0133% | 5,654 |
| Net operating income to assets | 0.6935% | 3,884 |
| Return on assets (ROA) | 0.6956% | 4,007 |
| Pretax return on assets | 0.9878% | 3,673 |
| Return on Equity (ROE) | 8.1194% | 2,948 |
| Retained earnings to average equity (ytd only) | 0.1364% | 5,303 |
| Net charge-offs to loans | -0.1154% | 5,625 |
| Credit loss provision to net charge-offs | 13.1936% | 3,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3585% | 4,488 |
| Assets per employee ($millions) | 24.2351% | 36 |
| Cash dividends to net income (ytd only)* | 98.3201% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6366% | 5,554 |
| Loan loss allowance to noncurrent loans | 97.5576% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 2,852 |
| Noncurrent loans to loans | 0.6526% | 3,065 |
| Net loans and leases to total assets | 86.7734% | 200 |
| Net loans and leases to deposits | 101.7687% | 588 |
| Net loans and leases to core deposits | 159.5009% | 95 |
| Total domestic deposits to total assets | 85.2653% | 2,691 |
| Equity capital to assets | 8.1116% | 5,699 |
| Core capital (leverage) ratio | 8.3337% | 5,483 |
| Tier 1 risk-based capital ratio | 12.1036% | 4,724 |
| Total risk-based capital ratio | 12.8803% | 4,928 |
| Memoranda: | ||
| Average total assets | $3,411,702,500 | 270 |
| Average earning assets | $3,286,736,250 | 257 |
| Average equity | $292,281,500 | 328 |
| Average total loans | $2,977,462,250 | 230 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9238% | 5,713 |
| Cost of funding earning assets | 0.5881% | 1,418 |
| Net interest margin | 2.3357% | 5,844 |
| Noninterest income to average assets | 0.2288% | 5,119 |
| Noninterest expense to average assets | 1.4757% | 5,855 |
| Loan and lease loss provision to assets | 0.0121% | 3,861 |
| Net operating income to assets | 0.6545% | 4,025 |
| Return on assets (ROA) | 0.6570% | 4,157 |
| Pretax return on assets | 0.9958% | 3,602 |
| Return on Equity (ROE) | 7.5233% | 3,249 |
| Retained earnings to average equity (ytd only) | -4.4871% | 5,724 |
| Net charge-offs to loans | 0.0660% | 2,248 |
| Credit loss provision to net charge-offs | 21.0198% | 2,923 |
| Earnings coverage of net charge-offs (x) | 17.4339% | 1,876 |
| Efficiency ratio | 59.5089% | 4,709 |
| Assets per employee ($millions) | 23.7365% | 36 |
| Cash dividends to net income (ytd only)* | 159.6424% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 5,712 |
| Loan loss allowance to noncurrent loans | 89.9050% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 3,203 |
| Noncurrent loans to loans | 0.6388% | 3,159 |
| Net loans and leases to total assets | 86.5855% | 210 |
| Net loans and leases to deposits | 102.8731% | 514 |
| Net loans and leases to core deposits | 169.9299% | 69 |
| Total domestic deposits to total assets | 84.1672% | 3,208 |
| Equity capital to assets | 8.3185% | 5,686 |
| Core capital (leverage) ratio | 8.5719% | 5,294 |
| Tier 1 risk-based capital ratio | 11.5358% | 5,129 |
| Total risk-based capital ratio | 12.2382% | 5,358 |
| Memoranda: | ||
| Average total assets | $3,337,182,000 | 274 |
| Average earning assets | $3,216,165,330 | 264 |
| Average equity | $291,416,000 | 326 |
| Average total loans | $2,911,732,000 | 232 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9280% | 5,757 |
| Cost of funding earning assets | 0.5596% | 1,626 |
| Net interest margin | 2.3684% | 5,893 |
| Noninterest income to average assets | 0.2426% | 5,001 |
| Noninterest expense to average assets | 1.5008% | 5,910 |
| Loan and lease loss provision to assets | 0.0149% | 3,495 |
| Net operating income to assets | 0.6470% | 3,988 |
| Return on assets (ROA) | 0.6471% | 4,108 |
| Pretax return on assets | 1.0112% | 3,437 |
| Return on Equity (ROE) | 7.2307% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.2307% | 1,779 |
| Net charge-offs to loans | -0.0627% | 5,442 |
| Credit loss provision to net charge-offs | -27.1111% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3976% | 4,825 |
| Assets per employee ($millions) | 24.1521% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 5,687 |
| Loan loss allowance to noncurrent loans | 87.6797% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.6865% | 2,999 |
| Noncurrent loans to loans | 0.7302% | 3,010 |
| Net loans and leases to total assets | 86.3504% | 202 |
| Net loans and leases to deposits | 104.2537% | 400 |
| Net loans and leases to core deposits | 170.6864% | 58 |
| Total domestic deposits to total assets | 82.8273% | 3,958 |
| Equity capital to assets | 8.8983% | 5,267 |
| Core capital (leverage) ratio | 9.1760% | 4,627 |
| Tier 1 risk-based capital ratio | 12.2518% | 4,750 |
| Total risk-based capital ratio | 13.0351% | 4,962 |
| Memoranda: | ||
| Average total assets | $3,284,876,000 | 276 |
| Average earning assets | $3,168,001,500 | 266 |
| Average equity | $293,970,500 | 322 |
| Average total loans | $2,868,943,500 | 236 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8921% | 5,816 |
| Cost of funding earning assets | 0.4688% | 2,449 |
| Net interest margin | 2.4233% | 5,879 |
| Noninterest income to average assets | 0.2094% | 5,342 |
| Noninterest expense to average assets | 1.5864% | 5,930 |
| Loan and lease loss provision to assets | 0.0004% | 4,375 |
| Net operating income to assets | 0.6792% | 3,908 |
| Return on assets (ROA) | 0.6800% | 4,001 |
| Pretax return on assets | 0.9606% | 3,613 |
| Return on Equity (ROE) | 7.2070% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.2070% | 1,195 |
| Net charge-offs to loans | 0.0893% | 2,540 |
| Credit loss provision to net charge-offs | 0.5623% | 3,894 |
| Earnings coverage of net charge-offs (x) | 12.3499% | 2,474 |
| Efficiency ratio | 62.3008% | 4,557 |
| Assets per employee ($millions) | 23.2860% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 5,748 |
| Loan loss allowance to noncurrent loans | 107.8872% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 3,386 |
| Noncurrent loans to loans | 0.5864% | 3,414 |
| Net loans and leases to total assets | 87.2265% | 159 |
| Net loans and leases to deposits | 104.5461% | 415 |
| Net loans and leases to core deposits | 177.6662% | 53 |
| Total domestic deposits to total assets | 83.4335% | 3,700 |
| Equity capital to assets | 9.0016% | 5,120 |
| Core capital (leverage) ratio | 9.2868% | 4,496 |
| Tier 1 risk-based capital ratio | 12.5640% | 4,588 |
| Total risk-based capital ratio | 13.3547% | 4,783 |
| Memoranda: | ||
| Average total assets | $2,974,385,800 | 281 |
| Average earning assets | $2,868,420,000 | 269 |
| Average equity | $280,642,800 | 320 |
| Average total loans | $2,587,616,800 | 238 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9093% | 5,882 |
| Cost of funding earning assets | 0.4606% | 2,577 |
| Net interest margin | 2.4487% | 5,945 |
| Noninterest income to average assets | 0.2087% | 5,398 |
| Noninterest expense to average assets | 1.6024% | 5,975 |
| Loan and lease loss provision to assets | -0.0106% | 5,819 |
| Net operating income to assets | 0.6743% | 4,015 |
| Return on assets (ROA) | 0.6748% | 4,120 |
| Pretax return on assets | 0.9787% | 3,698 |
| Return on Equity (ROE) | 7.0617% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.0617% | 1,659 |
| Net charge-offs to loans | 0.0366% | 3,170 |
| Credit loss provision to net charge-offs | -33.3815% | 4,926 |
| Earnings coverage of net charge-offs (x) | 30.4972% | 1,476 |
| Efficiency ratio | 62.3560% | 4,519 |
| Assets per employee ($millions) | 21.7248% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 5,668 |
| Loan loss allowance to noncurrent loans | 101.2082% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 3,208 |
| Noncurrent loans to loans | 0.7184% | 3,179 |
| Net loans and leases to total assets | 86.2446% | 215 |
| Net loans and leases to deposits | 101.2613% | 594 |
| Net loans and leases to core deposits | 176.0117% | 54 |
| Total domestic deposits to total assets | 85.1703% | 2,944 |
| Equity capital to assets | 9.3338% | 4,963 |
| Core capital (leverage) ratio | 9.5763% | 4,202 |
| Tier 1 risk-based capital ratio | 12.6142% | 4,673 |
| Total risk-based capital ratio | 13.4831% | 4,836 |
| Memoranda: | ||
| Average total assets | $2,908,793,250 | 289 |
| Average earning assets | $2,804,615,250 | 278 |
| Average equity | $277,963,500 | 326 |
| Average total loans | $2,524,200,000 | 246 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9257% | 5,919 |
| Cost of funding earning assets | 0.4542% | 2,675 |
| Net interest margin | 2.4715% | 5,990 |
| Noninterest income to average assets | 0.2451% | 5,201 |
| Noninterest expense to average assets | 1.6059% | 6,046 |
| Loan and lease loss provision to assets | 0.0777% | 2,571 |
| Net operating income to assets | 0.6525% | 4,111 |
| Return on assets (ROA) | 0.6533% | 4,216 |
| Pretax return on assets | 0.9465% | 3,784 |
| Return on Equity (ROE) | 6.7806% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.7806% | 1,799 |
| Net charge-offs to loans | -0.0019% | 4,588 |
| Credit loss provision to net charge-offs | -4,625.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0869% | 4,817 |
| Assets per employee ($millions) | 21.3669% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 5,504 |
| Loan loss allowance to noncurrent loans | 85.7034% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 2,717 |
| Noncurrent loans to loans | 0.9763% | 2,695 |
| Net loans and leases to total assets | 86.0406% | 239 |
| Net loans and leases to deposits | 99.2245% | 708 |
| Net loans and leases to core deposits | 164.1659% | 71 |
| Total domestic deposits to total assets | 86.7131% | 2,313 |
| Equity capital to assets | 9.5185% | 4,628 |
| Core capital (leverage) ratio | 9.7563% | 3,931 |
| Tier 1 risk-based capital ratio | 12.6963% | 4,685 |
| Total risk-based capital ratio | 13.6875% | 4,770 |
| Memoranda: | ||
| Average total assets | $2,857,325,670 | 294 |
| Average earning assets | $2,755,925,000 | 281 |
| Average equity | $275,314,000 | 328 |
| Average total loans | $2,478,536,330 | 249 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9409% | 5,958 |
| Cost of funding earning assets | 0.4423% | 2,859 |
| Net interest margin | 2.4986% | 6,016 |
| Noninterest income to average assets | 0.1970% | 5,533 |
| Noninterest expense to average assets | 1.6009% | 6,115 |
| Loan and lease loss provision to assets | 0.1316% | 1,574 |
| Net operating income to assets | 0.6057% | 4,264 |
| Return on assets (ROA) | 0.6073% | 4,351 |
| Pretax return on assets | 0.8772% | 3,976 |
| Return on Equity (ROE) | 6.2632% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.2632% | 2,347 |
| Net charge-offs to loans | -0.0011% | 4,329 |
| Credit loss provision to net charge-offs | -13,214.2857% | 5,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4012% | 4,900 |
| Assets per employee ($millions) | 21.4054% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 5,550 |
| Loan loss allowance to noncurrent loans | 73.3078% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 2,457 |
| Noncurrent loans to loans | 1.1677% | 2,437 |
| Net loans and leases to total assets | 86.2659% | 174 |
| Net loans and leases to deposits | 99.7662% | 576 |
| Net loans and leases to core deposits | 164.0122% | 73 |
| Total domestic deposits to total assets | 86.4681% | 2,683 |
| Equity capital to assets | 9.6627% | 4,562 |
| Core capital (leverage) ratio | 9.7974% | 3,895 |
| Tier 1 risk-based capital ratio | 12.6464% | 4,818 |
| Total risk-based capital ratio | 13.6470% | 4,886 |
| Memoranda: | ||
| Average total assets | $2,811,672,500 | 294 |
| Average earning assets | $2,712,257,000 | 281 |
| Average equity | $272,638,500 | 330 |
| Average total loans | $2,438,591,000 | 250 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1288% | 5,920 |
| Cost of funding earning assets | 0.4477% | 3,191 |
| Net interest margin | 2.6811% | 5,967 |
| Noninterest income to average assets | 0.2011% | 5,657 |
| Noninterest expense to average assets | 1.6703% | 6,188 |
| Loan and lease loss provision to assets | 0.3936% | 456 |
| Net operating income to assets | 0.5219% | 4,720 |
| Return on assets (ROA) | 0.5618% | 4,639 |
| Pretax return on assets | 0.7754% | 4,346 |
| Return on Equity (ROE) | 5.8676% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.8676% | 2,008 |
| Net charge-offs to loans | 0.4154% | 1,028 |
| Credit loss provision to net charge-offs | 114.3774% | 2,083 |
| Earnings coverage of net charge-offs (x) | 3.2365% | 3,940 |
| Efficiency ratio | 59.9969% | 5,227 |
| Assets per employee ($millions) | 20.8783% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8447% | 5,651 |
| Loan loss allowance to noncurrent loans | 67.0581% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1381% | 2,484 |
| Noncurrent loans to loans | 1.2596% | 2,343 |
| Net loans and leases to total assets | 85.7017% | 227 |
| Net loans and leases to deposits | 100.9410% | 570 |
| Net loans and leases to core deposits | 162.7380% | 75 |
| Total domestic deposits to total assets | 84.9028% | 3,330 |
| Equity capital to assets | 9.7443% | 4,422 |
| Core capital (leverage) ratio | 9.8981% | 3,715 |
| Tier 1 risk-based capital ratio | 9.9412% | 6,275 |
| Total risk-based capital ratio | 10.7054% | 6,337 |
| Memoranda: | ||
| Average total assets | $2,581,263,600 | 295 |
| Average earning assets | $2,486,660,200 | 282 |
| Average equity | $247,136,200 | 338 |
| Average total loans | $2,138,416,400 | 258 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1123% | 6,013 |
| Cost of funding earning assets | 0.4507% | 3,239 |
| Net interest margin | 2.6616% | 6,054 |
| Noninterest income to average assets | 0.2129% | 5,658 |
| Noninterest expense to average assets | 1.6610% | 6,237 |
| Loan and lease loss provision to assets | 0.5459% | 263 |
| Net operating income to assets | 0.4142% | 5,196 |
| Return on assets (ROA) | 0.4691% | 5,075 |
| Pretax return on assets | 0.6448% | 4,895 |
| Return on Equity (ROE) | 4.9237% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.9237% | 3,135 |
| Net charge-offs to loans | 0.4494% | 876 |
| Credit loss provision to net charge-offs | 148.3686% | 1,597 |
| Earnings coverage of net charge-offs (x) | 3.0318% | 3,758 |
| Efficiency ratio | 59.8240% | 5,203 |
| Assets per employee ($millions) | 20.2036% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 5,322 |
| Loan loss allowance to noncurrent loans | 83.1883% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 2,853 |
| Noncurrent loans to loans | 1.1713% | 2,720 |
| Net loans and leases to total assets | 84.6320% | 287 |
| Net loans and leases to deposits | 99.5784% | 638 |
| Net loans and leases to core deposits | 146.9124% | 115 |
| Total domestic deposits to total assets | 84.9903% | 3,339 |
| Equity capital to assets | 9.6149% | 4,654 |
| Core capital (leverage) ratio | 9.7150% | 4,055 |
| Tier 1 risk-based capital ratio | 9.7917% | 6,389 |
| Total risk-based capital ratio | 10.6644% | 6,422 |
| Memoranda: | ||
| Average total assets | $2,532,375,750 | 297 |
| Average earning assets | $2,439,047,500 | 283 |
| Average equity | $241,275,000 | 340 |
| Average total loans | $2,073,007,500 | 261 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1210% | 6,039 |
| Cost of funding earning assets | 0.4458% | 3,373 |
| Net interest margin | 2.6752% | 6,076 |
| Noninterest income to average assets | 0.1749% | 5,901 |
| Noninterest expense to average assets | 1.6688% | 6,300 |
| Loan and lease loss provision to assets | 0.7834% | 161 |
| Net operating income to assets | 0.2201% | 5,778 |
| Return on assets (ROA) | 0.3053% | 5,621 |
| Pretax return on assets | 0.4153% | 5,512 |
| Return on Equity (ROE) | 3.2150% | 5,450 |
| Retained earnings to average equity (ytd only) | 3.2150% | 4,154 |
| Net charge-offs to loans | 0.5895% | 683 |
| Credit loss provision to net charge-offs | 164.9465% | 1,365 |
| Earnings coverage of net charge-offs (x) | 2.2816% | 3,582 |
| Efficiency ratio | 60.6309% | 5,205 |
| Assets per employee ($millions) | 19.6483% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 5,180 |
| Loan loss allowance to noncurrent loans | 81.4344% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1017% | 2,867 |
| Noncurrent loans to loans | 1.2714% | 2,682 |
| Net loans and leases to total assets | 81.6356% | 497 |
| Net loans and leases to deposits | 95.9217% | 809 |
| Net loans and leases to core deposits | 136.7946% | 165 |
| Total domestic deposits to total assets | 85.1065% | 3,455 |
| Equity capital to assets | 9.2622% | 5,020 |
| Core capital (leverage) ratio | 9.5358% | 4,271 |
| Tier 1 risk-based capital ratio | 9.7812% | 6,454 |
| Total risk-based capital ratio | 10.7045% | 6,487 |
| Memoranda: | ||
| Average total assets | $2,480,807,000 | 301 |
| Average earning assets | $2,390,161,670 | 286 |
| Average equity | $235,580,330 | 346 |
| Average total loans | $1,998,507,670 | 265 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1828% | 6,028 |
| Cost of funding earning assets | 0.4353% | 3,593 |
| Net interest margin | 2.7475% | 6,035 |
| Noninterest income to average assets | 0.1697% | 5,955 |
| Noninterest expense to average assets | 1.8186% | 6,197 |
| Loan and lease loss provision to assets | 0.1020% | 2,220 |
| Net operating income to assets | 0.6049% | 4,177 |
| Return on assets (ROA) | 0.7188% | 3,671 |
| Pretax return on assets | 1.0696% | 3,036 |
| Return on Equity (ROE) | 7.4663% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.4663% | 1,836 |
| Net charge-offs to loans | 0.1798% | 1,643 |
| Credit loss provision to net charge-offs | 71.3615% | 1,993 |
| Earnings coverage of net charge-offs (x) | 7.0094% | 2,165 |
| Efficiency ratio | 64.4862% | 4,781 |
| Assets per employee ($millions) | 19.8380% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 5,631 |
| Loan loss allowance to noncurrent loans | 64.6286% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2271% | 2,808 |
| Noncurrent loans to loans | 1.5030% | 2,537 |
| Net loans and leases to total assets | 77.0940% | 872 |
| Net loans and leases to deposits | 86.2454% | 1,567 |
| Net loans and leases to core deposits | 124.9166% | 242 |
| Total domestic deposits to total assets | 89.3891% | 1,426 |
| Equity capital to assets | 9.3628% | 4,679 |
| Core capital (leverage) ratio | 10.0596% | 3,487 |
| Tier 1 risk-based capital ratio | 10.3495% | 6,380 |
| Total risk-based capital ratio | 11.2034% | 6,462 |
| Memoranda: | ||
| Average total assets | $2,385,129,500 | 313 |
| Average earning assets | $2,300,884,000 | 291 |
| Average equity | $229,619,500 | 350 |
| Average total loans | $1,895,633,000 | 268 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 5,685 |
| Cost of funding earning assets | 0.5375% | 3,218 |
| Net interest margin | 2.9404% | 5,709 |
| Noninterest income to average assets | 0.2306% | 5,697 |
| Noninterest expense to average assets | 1.8812% | 6,213 |
| Loan and lease loss provision to assets | 0.3775% | 814 |
| Net operating income to assets | 0.5625% | 4,447 |
| Return on assets (ROA) | 0.5879% | 4,430 |
| Pretax return on assets | 0.8489% | 3,966 |
| Return on Equity (ROE) | 5.7581% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.7581% | 2,129 |
| Net charge-offs to loans | 0.4062% | 1,657 |
| Credit loss provision to net charge-offs | 115.8811% | 2,081 |
| Earnings coverage of net charge-offs (x) | 3.6515% | 3,796 |
| Efficiency ratio | 61.2596% | 5,319 |
| Assets per employee ($millions) | 17.7559% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 5,458 |
| Loan loss allowance to noncurrent loans | 93.6086% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.9476% | 3,533 |
| Noncurrent loans to loans | 1.0906% | 3,354 |
| Net loans and leases to total assets | 80.4092% | 555 |
| Net loans and leases to deposits | 90.7895% | 1,177 |
| Net loans and leases to core deposits | 132.4808% | 178 |
| Total domestic deposits to total assets | 88.5666% | 1,879 |
| Equity capital to assets | 9.9133% | 3,879 |
| Core capital (leverage) ratio | 10.1502% | 3,367 |
| Tier 1 risk-based capital ratio | 10.4068% | 6,396 |
| Total risk-based capital ratio | 11.2929% | 6,468 |
| Memoranda: | ||
| Average total assets | $2,168,536,200 | 328 |
| Average earning assets | $2,094,674,200 | 311 |
| Average equity | $221,408,400 | 348 |
| Average total loans | $1,739,117,800 | 276 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 5,732 |
| Cost of funding earning assets | 0.5602% | 3,163 |
| Net interest margin | 2.9215% | 5,762 |
| Noninterest income to average assets | 0.2136% | 5,902 |
| Noninterest expense to average assets | 1.8452% | 6,270 |
| Loan and lease loss provision to assets | 0.4811% | 578 |
| Net operating income to assets | 0.4660% | 4,948 |
| Return on assets (ROA) | 0.4983% | 4,965 |
| Pretax return on assets | 0.7602% | 4,457 |
| Return on Equity (ROE) | 4.8424% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.8424% | 3,202 |
| Net charge-offs to loans | 0.5702% | 1,109 |
| Credit loss provision to net charge-offs | 105.5700% | 2,214 |
| Earnings coverage of net charge-offs (x) | 2.6167% | 3,966 |
| Efficiency ratio | 60.7465% | 5,317 |
| Assets per employee ($millions) | 17.1947% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 5,583 |
| Loan loss allowance to noncurrent loans | 84.8306% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 3,672 |
| Noncurrent loans to loans | 1.2199% | 3,367 |
| Net loans and leases to total assets | 79.4315% | 610 |
| Net loans and leases to deposits | 89.8590% | 1,182 |
| Net loans and leases to core deposits | 136.0291% | 136 |
| Total domestic deposits to total assets | 88.3958% | 1,897 |
| Equity capital to assets | 10.0975% | 3,771 |
| Core capital (leverage) ratio | 10.1822% | 3,426 |
| Tier 1 risk-based capital ratio | 10.4945% | 6,452 |
| Total risk-based capital ratio | 11.3767% | 6,537 |
| Memoranda: | ||
| Average total assets | $2,138,043,000 | 334 |
| Average earning assets | $2,066,615,750 | 314 |
| Average equity | $219,994,250 | 348 |
| Average total loans | $1,708,703,500 | 281 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4730% | 5,745 |
| Cost of funding earning assets | 0.5851% | 3,082 |
| Net interest margin | 2.8878% | 5,815 |
| Noninterest income to average assets | 0.2180% | 5,878 |
| Noninterest expense to average assets | 1.8495% | 6,293 |
| Loan and lease loss provision to assets | 0.2648% | 1,400 |
| Net operating income to assets | 0.5855% | 4,371 |
| Return on assets (ROA) | 0.6336% | 4,285 |
| Pretax return on assets | 0.9728% | 3,624 |
| Return on Equity (ROE) | 6.1182% | 4,101 |
| Retained earnings to average equity (ytd only) | 6.1182% | 2,365 |
| Net charge-offs to loans | 0.3515% | 1,786 |
| Credit loss provision to net charge-offs | 94.4089% | 2,346 |
| Earnings coverage of net charge-offs (x) | 4.1485% | 3,205 |
| Efficiency ratio | 61.3827% | 5,266 |
| Assets per employee ($millions) | 17.7726% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 5,732 |
| Loan loss allowance to noncurrent loans | 87.5897% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 3,922 |
| Noncurrent loans to loans | 1.1655% | 3,610 |
| Net loans and leases to total assets | 77.9041% | 760 |
| Net loans and leases to deposits | 88.4867% | 1,285 |
| Net loans and leases to core deposits | 139.5683% | 137 |
| Total domestic deposits to total assets | 88.0405% | 2,216 |
| Equity capital to assets | 10.0351% | 3,868 |
| Core capital (leverage) ratio | 10.2654% | 3,146 |
| Tier 1 risk-based capital ratio | 10.5035% | 6,501 |
| Total risk-based capital ratio | 11.3612% | 6,584 |
| Memoranda: | ||
| Average total assets | $2,117,084,670 | 337 |
| Average earning assets | $2,049,085,330 | 319 |
| Average equity | $219,246,670 | 348 |
| Average total loans | $1,689,436,670 | 285 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4689% | 5,785 |
| Cost of funding earning assets | 0.6081% | 3,030 |
| Net interest margin | 2.8608% | 5,888 |
| Noninterest income to average assets | 0.1883% | 6,127 |
| Noninterest expense to average assets | 1.8564% | 6,354 |
| Loan and lease loss provision to assets | 0.4112% | 745 |
| Net operating income to assets | 0.4530% | 4,899 |
| Return on assets (ROA) | 0.5513% | 4,603 |
| Pretax return on assets | 0.8443% | 3,981 |
| Return on Equity (ROE) | 5.2370% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.2370% | 3,091 |
| Net charge-offs to loans | 0.5822% | 1,047 |
| Credit loss provision to net charge-offs | 87.8813% | 2,060 |
| Earnings coverage of net charge-offs (x) | 2.3599% | 3,060 |
| Efficiency ratio | 62.7012% | 5,198 |
| Assets per employee ($millions) | 17.1431% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,840 |
| Loan loss allowance to noncurrent loans | 102.5551% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 4,282 |
| Noncurrent loans to loans | 1.0131% | 4,106 |
| Net loans and leases to total assets | 80.7271% | 367 |
| Net loans and leases to deposits | 92.6436% | 755 |
| Net loans and leases to core deposits | 150.9943% | 90 |
| Total domestic deposits to total assets | 87.1373% | 2,874 |
| Equity capital to assets | 10.5822% | 3,449 |
| Core capital (leverage) ratio | 10.4980% | 2,776 |
| Tier 1 risk-based capital ratio | 10.7353% | 6,509 |
| Total risk-based capital ratio | 11.6214% | 6,601 |
| Memoranda: | ||
| Average total assets | $2,073,723,500 | 347 |
| Average earning assets | $2,009,617,500 | 327 |
| Average equity | $218,292,500 | 358 |
| Average total loans | $1,666,872,500 | 290 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 5,851 |
| Cost of funding earning assets | 0.7287% | 3,268 |
| Net interest margin | 3.0605% | 5,904 |
| Noninterest income to average assets | 0.2598% | 5,607 |
| Noninterest expense to average assets | 1.9588% | 6,397 |
| Loan and lease loss provision to assets | 0.4236% | 1,502 |
| Net operating income to assets | 0.5160% | 4,617 |
| Return on assets (ROA) | 0.5529% | 4,716 |
| Pretax return on assets | 0.9071% | 3,893 |
| Return on Equity (ROE) | 5.3760% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.3760% | 2,455 |
| Net charge-offs to loans | 0.4327% | 2,505 |
| Credit loss provision to net charge-offs | 122.8794% | 2,319 |
| Earnings coverage of net charge-offs (x) | 3.6928% | 3,634 |
| Efficiency ratio | 60.6085% | 5,449 |
| Assets per employee ($millions) | 17.4213% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 5,596 |
| Loan loss allowance to noncurrent loans | 79.5001% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 3,813 |
| Noncurrent loans to loans | 1.3696% | 3,546 |
| Net loans and leases to total assets | 78.3238% | 639 |
| Net loans and leases to deposits | 89.0210% | 1,163 |
| Net loans and leases to core deposits | 147.6097% | 113 |
| Total domestic deposits to total assets | 87.9835% | 2,245 |
| Equity capital to assets | 10.4710% | 3,561 |
| Core capital (leverage) ratio | 10.3145% | 2,994 |
| Tier 1 risk-based capital ratio | 10.9153% | 6,380 |
| Total risk-based capital ratio | 11.8435% | 6,488 |
| Memoranda: | ||
| Average total assets | $1,932,165,600 | 364 |
| Average earning assets | $1,876,384,600 | 340 |
| Average equity | $198,715,800 | 378 |
| Average total loans | $1,539,542,600 | 302 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 6,039 |
| Cost of funding earning assets | 0.7495% | 3,357 |
| Net interest margin | 3.0459% | 6,073 |
| Noninterest income to average assets | 0.2755% | 5,576 |
| Noninterest expense to average assets | 1.9676% | 6,408 |
| Loan and lease loss provision to assets | 0.3628% | 1,793 |
| Net operating income to assets | 0.5631% | 4,556 |
| Return on assets (ROA) | 0.6133% | 4,587 |
| Pretax return on assets | 0.9833% | 3,780 |
| Return on Equity (ROE) | 5.9925% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.9925% | 2,700 |
| Net charge-offs to loans | 0.2210% | 3,399 |
| Credit loss provision to net charge-offs | 205.6175% | 1,345 |
| Earnings coverage of net charge-offs (x) | 7.1857% | 2,644 |
| Efficiency ratio | 60.8169% | 5,350 |
| Assets per employee ($millions) | 17.4764% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 5,394 |
| Loan loss allowance to noncurrent loans | 137.7283% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 4,945 |
| Noncurrent loans to loans | 0.8540% | 4,709 |
| Net loans and leases to total assets | 78.7534% | 642 |
| Net loans and leases to deposits | 90.1732% | 1,127 |
| Net loans and leases to core deposits | 142.2120% | 131 |
| Total domestic deposits to total assets | 87.3357% | 2,473 |
| Equity capital to assets | 10.6271% | 3,698 |
| Core capital (leverage) ratio | 10.7623% | 2,646 |
| Tier 1 risk-based capital ratio | 10.8784% | 6,525 |
| Total risk-based capital ratio | 11.8726% | 6,614 |
| Memoranda: | ||
| Average total assets | $1,896,924,750 | 374 |
| Average earning assets | $1,843,361,750 | 343 |
| Average equity | $194,125,500 | 384 |
| Average total loans | $1,514,021,250 | 307 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 6,127 |
| Cost of funding earning assets | 0.7805% | 3,358 |
| Net interest margin | 3.0261% | 6,188 |
| Noninterest income to average assets | 0.2687% | 5,655 |
| Noninterest expense to average assets | 1.9427% | 6,528 |
| Loan and lease loss provision to assets | 0.3910% | 1,680 |
| Net operating income to assets | 0.5525% | 4,571 |
| Return on assets (ROA) | 0.6226% | 4,514 |
| Pretax return on assets | 0.9874% | 3,753 |
| Return on Equity (ROE) | 6.1704% | 4,228 |
| Retained earnings to average equity (ytd only) | 6.1704% | 2,589 |
| Net charge-offs to loans | 0.3391% | 2,664 |
| Credit loss provision to net charge-offs | 144.3825% | 1,920 |
| Earnings coverage of net charge-offs (x) | 4.6853% | 3,017 |
| Efficiency ratio | 60.4892% | 5,500 |
| Assets per employee ($millions) | 17.1438% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,674 |
| Loan loss allowance to noncurrent loans | 115.8244% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 4,769 |
| Noncurrent loans to loans | 0.9702% | 4,575 |
| Net loans and leases to total assets | 81.4861% | 372 |
| Net loans and leases to deposits | 91.4700% | 1,006 |
| Net loans and leases to core deposits | 143.7829% | 128 |
| Total domestic deposits to total assets | 89.0851% | 1,458 |
| Equity capital to assets | 10.0675% | 4,233 |
| Core capital (leverage) ratio | 10.0544% | 3,348 |
| Tier 1 risk-based capital ratio | 9.9133% | 6,843 |
| Total risk-based capital ratio | 10.8542% | 6,901 |
| Memoranda: | ||
| Average total assets | $1,853,478,330 | 378 |
| Average earning assets | $1,802,595,330 | 350 |
| Average equity | $187,020,670 | 394 |
| Average total loans | $1,480,181,330 | 311 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 6,328 |
| Cost of funding earning assets | 0.8014% | 3,464 |
| Net interest margin | 2.9565% | 6,378 |
| Noninterest income to average assets | 0.2203% | 6,038 |
| Noninterest expense to average assets | 1.9067% | 6,634 |
| Loan and lease loss provision to assets | 0.2680% | 2,312 |
| Net operating income to assets | 0.6072% | 4,312 |
| Return on assets (ROA) | 0.6072% | 4,525 |
| Pretax return on assets | 0.9266% | 3,942 |
| Return on Equity (ROE) | 6.0107% | 4,288 |
| Retained earnings to average equity (ytd only) | 6.0107% | 2,952 |
| Net charge-offs to loans | 0.2439% | 2,712 |
| Credit loss provision to net charge-offs | 139.8864% | 1,759 |
| Earnings coverage of net charge-offs (x) | 6.2352% | 2,240 |
| Efficiency ratio | 61.4812% | 5,372 |
| Assets per employee ($millions) | 17.5349% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 5,808 |
| Loan loss allowance to noncurrent loans | 131.3591% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 5,170 |
| Noncurrent loans to loans | 0.8594% | 4,954 |
| Net loans and leases to total assets | 79.4446% | 460 |
| Net loans and leases to deposits | 89.1527% | 1,049 |
| Net loans and leases to core deposits | 151.5191% | 111 |
| Total domestic deposits to total assets | 89.1107% | 1,632 |
| Equity capital to assets | 10.1791% | 3,878 |
| Core capital (leverage) ratio | 10.0379% | 3,320 |
| Tier 1 risk-based capital ratio | 10.2907% | 6,797 |
| Total risk-based capital ratio | 11.2382% | 6,879 |
| Memoranda: | ||
| Average total assets | $1,837,307,500 | 379 |
| Average earning assets | $1,790,384,500 | 352 |
| Average equity | $185,603,500 | 392 |
| Average total loans | $1,443,199,500 | 312 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8204% | 6,704 |
| Cost of funding earning assets | 1.0506% | 3,013 |
| Net interest margin | 2.7699% | 6,853 |
| Noninterest income to average assets | 0.1445% | 6,426 |
| Noninterest expense to average assets | 1.9296% | 6,792 |
| Loan and lease loss provision to assets | 0.3032% | 3,241 |
| Net operating income to assets | 0.3626% | 5,023 |
| Return on assets (ROA) | 0.4107% | 5,002 |
| Pretax return on assets | 0.6801% | 4,407 |
| Return on Equity (ROE) | 4.0122% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.0122% | 3,337 |
| Net charge-offs to loans | 0.4582% | 3,152 |
| Credit loss provision to net charge-offs | 87.5246% | 4,123 |
| Earnings coverage of net charge-offs (x) | 2.6215% | 3,903 |
| Efficiency ratio | 67.9962% | 4,359 |
| Assets per employee ($millions) | 17.8005% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,569 |
| Loan loss allowance to noncurrent loans | 99.5252% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 4,823 |
| Noncurrent loans to loans | 1.1676% | 4,416 |
| Net loans and leases to total assets | 75.8483% | 970 |
| Net loans and leases to deposits | 84.9102% | 1,814 |
| Net loans and leases to core deposits | 153.1266% | 126 |
| Total domestic deposits to total assets | 89.3277% | 1,345 |
| Equity capital to assets | 10.0245% | 4,138 |
| Core capital (leverage) ratio | 10.1410% | 3,182 |
| Tier 1 risk-based capital ratio | 10.5899% | 6,645 |
| Total risk-based capital ratio | 11.5608% | 6,740 |
| Memoranda: | ||
| Average total assets | $1,760,695,800 | 379 |
| Average earning assets | $1,712,037,600 | 354 |
| Average equity | $180,223,600 | 390 |
| Average total loans | $1,331,218,600 | 328 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 6,776 |
| Cost of funding earning assets | 1.1078% | 2,922 |
| Net interest margin | 2.7549% | 6,940 |
| Noninterest income to average assets | 0.1393% | 6,553 |
| Noninterest expense to average assets | 1.8985% | 6,850 |
| Loan and lease loss provision to assets | 0.4143% | 2,391 |
| Net operating income to assets | 0.3417% | 5,247 |
| Return on assets (ROA) | 0.4005% | 5,185 |
| Pretax return on assets | 0.5896% | 4,847 |
| Return on Equity (ROE) | 3.8914% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.8914% | 3,951 |
| Net charge-offs to loans | 0.4672% | 2,867 |
| Credit loss provision to net charge-offs | 117.7686% | 2,771 |
| Earnings coverage of net charge-offs (x) | 2.6079% | 3,812 |
| Efficiency ratio | 67.4184% | 4,438 |
| Assets per employee ($millions) | 17.7055% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 4,804 |
| Loan loss allowance to noncurrent loans | 88.9815% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 4,511 |
| Noncurrent loans to loans | 1.5097% | 4,026 |
| Net loans and leases to total assets | 74.3657% | 1,259 |
| Net loans and leases to deposits | 83.6741% | 2,049 |
| Net loans and leases to core deposits | 156.9710% | 117 |
| Total domestic deposits to total assets | 88.8754% | 1,501 |
| Equity capital to assets | 10.3164% | 3,933 |
| Core capital (leverage) ratio | 10.0840% | 3,330 |
| Tier 1 risk-based capital ratio | 10.9789% | 6,550 |
| Total risk-based capital ratio | 12.0910% | 6,617 |
| Memoranda: | ||
| Average total assets | $1,742,506,000 | 384 |
| Average earning assets | $1,693,025,500 | 357 |
| Average equity | $179,331,000 | 399 |
| Average total loans | $1,312,274,500 | 332 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 6,833 |
| Cost of funding earning assets | 1.1444% | 2,936 |
| Net interest margin | 2.7358% | 6,989 |
| Noninterest income to average assets | 0.1370% | 6,641 |
| Noninterest expense to average assets | 1.9255% | 6,912 |
| Loan and lease loss provision to assets | 0.2169% | 3,751 |
| Net operating income to assets | 0.4492% | 4,726 |
| Return on assets (ROA) | 0.5161% | 4,574 |
| Pretax return on assets | 0.7494% | 4,213 |
| Return on Equity (ROE) | 5.0185% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.0185% | 2,998 |
| Net charge-offs to loans | 0.2544% | 3,612 |
| Credit loss provision to net charge-offs | 113.2530% | 2,703 |
| Earnings coverage of net charge-offs (x) | 4.5392% | 2,836 |
| Efficiency ratio | 68.8906% | 4,344 |
| Assets per employee ($millions) | 17.7378% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 5,196 |
| Loan loss allowance to noncurrent loans | 59.2979% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.6644% | 3,684 |
| Noncurrent loans to loans | 2.1422% | 3,294 |
| Net loans and leases to total assets | 76.7084% | 965 |
| Net loans and leases to deposits | 86.3098% | 1,746 |
| Net loans and leases to core deposits | 178.7021% | 88 |
| Total domestic deposits to total assets | 88.8756% | 1,612 |
| Equity capital to assets | 10.3348% | 3,704 |
| Core capital (leverage) ratio | 10.2390% | 2,989 |
| Tier 1 risk-based capital ratio | 10.9578% | 6,564 |
| Total risk-based capital ratio | 12.0319% | 6,647 |
| Memoranda: | ||
| Average total assets | $1,733,157,000 | 389 |
| Average earning assets | $1,683,915,670 | 364 |
| Average equity | $178,222,000 | 401 |
| Average total loans | $1,304,828,670 | 340 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 6,780 |
| Cost of funding earning assets | 1.1586% | 3,095 |
| Net interest margin | 2.7799% | 6,936 |
| Noninterest income to average assets | 0.1543% | 6,613 |
| Noninterest expense to average assets | 1.9592% | 6,897 |
| Loan and lease loss provision to assets | 0.2044% | 3,596 |
| Net operating income to assets | 0.4931% | 4,515 |
| Return on assets (ROA) | 0.6368% | 3,894 |
| Pretax return on assets | 0.8898% | 3,540 |
| Return on Equity (ROE) | 6.2087% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.2087% | 2,519 |
| Net charge-offs to loans | 0.6569% | 1,894 |
| Credit loss provision to net charge-offs | 42.0248% | 3,904 |
| Earnings coverage of net charge-offs (x) | 1.8391% | 3,382 |
| Efficiency ratio | 68.6503% | 4,526 |
| Assets per employee ($millions) | 18.5799% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 5,359 |
| Loan loss allowance to noncurrent loans | 65.1036% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.3690% | 4,238 |
| Noncurrent loans to loans | 1.9282% | 3,662 |
| Net loans and leases to total assets | 70.1071% | 2,105 |
| Net loans and leases to deposits | 78.5583% | 2,966 |
| Net loans and leases to core deposits | 166.3097% | 115 |
| Total domestic deposits to total assets | 89.2422% | 1,623 |
| Equity capital to assets | 9.9959% | 3,779 |
| Core capital (leverage) ratio | 10.4512% | 2,662 |
| Tier 1 risk-based capital ratio | 11.9754% | 5,716 |
| Total risk-based capital ratio | 13.0616% | 5,846 |
| Memoranda: | ||
| Average total assets | $1,721,715,500 | 394 |
| Average earning assets | $1,672,027,000 | 369 |
| Average equity | $176,591,500 | 402 |
| Average total loans | $1,275,062,500 | 349 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 7,099 |
| Cost of funding earning assets | 1.2914% | 3,935 |
| Net interest margin | 2.7560% | 7,078 |
| Noninterest income to average assets | 0.1481% | 6,651 |
| Noninterest expense to average assets | 2.0514% | 6,941 |
| Loan and lease loss provision to assets | 0.3209% | 4,249 |
| Net operating income to assets | 0.9316% | 2,271 |
| Return on assets (ROA) | 0.9316% | 2,400 |
| Pretax return on assets | 0.4688% | 4,728 |
| Return on Equity (ROE) | 9.7104% | 2,032 |
| Retained earnings to average equity (ytd only) | 9.7104% | 568 |
| Net charge-offs to loans | 0.3121% | 4,460 |
| Credit loss provision to net charge-offs | 134.5031% | 2,901 |
| Earnings coverage of net charge-offs (x) | 3.3105% | 3,423 |
| Efficiency ratio | 72.2047% | 3,751 |
| Assets per employee ($millions) | 17.2891% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,839 |
| Loan loss allowance to noncurrent loans | 115.9125% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8894% | 5,237 |
| Noncurrent loans to loans | 1.1499% | 4,806 |
| Net loans and leases to total assets | 76.3144% | 1,220 |
| Net loans and leases to deposits | 86.0908% | 2,080 |
| Net loans and leases to core deposits | 199.3029% | 84 |
| Total domestic deposits to total assets | 88.6441% | 1,863 |
| Equity capital to assets | 10.5370% | 3,121 |
| Core capital (leverage) ratio | 9.8099% | 3,304 |
| Tier 1 risk-based capital ratio | 11.4312% | 5,965 |
| Total risk-based capital ratio | 12.5474% | 6,080 |
| Memoranda: | ||
| Average total assets | $1,636,570,000 | 418 |
| Average earning assets | $1,599,198,600 | 381 |
| Average equity | $157,018,000 | 437 |
| Average total loans | $1,250,911,600 | 363 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 7,251 |
| Cost of funding earning assets | 1.2830% | 4,342 |
| Net interest margin | 2.7645% | 7,166 |
| Noninterest income to average assets | 0.1251% | 6,927 |
| Noninterest expense to average assets | 2.0358% | 6,987 |
| Loan and lease loss provision to assets | 0.3067% | 4,125 |
| Net operating income to assets | 0.4881% | 4,373 |
| Return on assets (ROA) | 0.4881% | 4,570 |
| Pretax return on assets | 0.4881% | 4,965 |
| Return on Equity (ROE) | 5.2178% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.2178% | 2,830 |
| Net charge-offs to loans | 0.4730% | 3,380 |
| Credit loss provision to net charge-offs | 85.0760% | 4,961 |
| Earnings coverage of net charge-offs (x) | 2.2048% | 4,076 |
| Efficiency ratio | 71.9217% | 3,716 |
| Assets per employee ($millions) | 18.5878% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 5,342 |
| Loan loss allowance to noncurrent loans | 125.7157% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,788 |
| Noncurrent loans to loans | 0.9788% | 5,279 |
| Net loans and leases to total assets | 67.2497% | 3,397 |
| Net loans and leases to deposits | 74.9286% | 4,353 |
| Net loans and leases to core deposits | 217.2352% | 75 |
| Total domestic deposits to total assets | 89.7517% | 998 |
| Equity capital to assets | 9.2581% | 5,214 |
| Core capital (leverage) ratio | 10.1492% | 3,099 |
| Tier 1 risk-based capital ratio | 11.5076% | 5,928 |
| Total risk-based capital ratio | 12.5553% | 6,092 |
| Memoranda: | ||
| Average total assets | $1,630,773,250 | 414 |
| Average earning assets | $1,595,928,750 | 381 |
| Average equity | $152,550,250 | 446 |
| Average total loans | $1,242,703,250 | 364 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 7,159 |
| Cost of funding earning assets | 1.3578% | 4,141 |
| Net interest margin | 2.8541% | 7,074 |
| Noninterest income to average assets | 0.1461% | 6,856 |
| Noninterest expense to average assets | 2.1112% | 6,867 |
| Loan and lease loss provision to assets | 0.2861% | 4,106 |
| Net operating income to assets | 0.5383% | 4,151 |
| Return on assets (ROA) | 0.5383% | 4,299 |
| Pretax return on assets | 0.5383% | 4,787 |
| Return on Equity (ROE) | 5.7323% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.7323% | 2,478 |
| Net charge-offs to loans | 0.7151% | 2,430 |
| Credit loss provision to net charge-offs | 50.4595% | 5,406 |
| Earnings coverage of net charge-offs (x) | 1.4539% | 4,397 |
| Efficiency ratio | 71.9148% | 3,829 |
| Assets per employee ($millions) | 16.4323% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,808 |
| Loan loss allowance to noncurrent loans | 275.0964% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 6,617 |
| Noncurrent loans to loans | 0.4099% | 6,427 |
| Net loans and leases to total assets | 76.9334% | 1,306 |
| Net loans and leases to deposits | 86.8727% | 2,363 |
| Net loans and leases to core deposits | 308.2871% | 49 |
| Total domestic deposits to total assets | 88.5588% | 1,697 |
| Equity capital to assets | 10.4704% | 3,448 |
| Core capital (leverage) ratio | 9.8732% | 3,309 |
| Tier 1 risk-based capital ratio | 11.4960% | 5,775 |
| Total risk-based capital ratio | 12.4598% | 6,015 |
| Memoranda: | ||
| Average total assets | $1,573,360,330 | 433 |
| Average earning assets | $1,537,765,000 | 400 |
| Average equity | $147,758,670 | 459 |
| Average total loans | $1,247,729,000 | 363 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 7,290 |
| Cost of funding earning assets | 1.3697% | 4,358 |
| Net interest margin | 2.8059% | 7,171 |
| Noninterest income to average assets | 0.1857% | 6,629 |
| Noninterest expense to average assets | 2.1377% | 6,842 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7891% | 3,015 |
| Return on assets (ROA) | 0.7891% | 3,130 |
| Pretax return on assets | 0.7891% | 3,911 |
| Return on Equity (ROE) | 8.8994% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.8994% | 1,425 |
| Net charge-offs to loans | -0.0113% | 6,920 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0395% | 3,750 |
| Assets per employee ($millions) | 17.9590% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 5,111 |
| Loan loss allowance to noncurrent loans | 163.2231% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 6,065 |
| Noncurrent loans to loans | 0.7761% | 5,775 |
| Net loans and leases to total assets | 72.9494% | 2,218 |
| Net loans and leases to deposits | 80.3503% | 3,593 |
| Net loans and leases to core deposits | 275.1365% | 61 |
| Total domestic deposits to total assets | 90.7892% | 615 |
| Equity capital to assets | 8.4448% | 6,078 |
| Core capital (leverage) ratio | 8.8334% | 4,814 |
| Tier 1 risk-based capital ratio | 10.5286% | 6,607 |
| Total risk-based capital ratio | 11.6922% | 6,686 |
| Memoranda: | ||
| Average total assets | $1,587,724,000 | 440 |
| Average earning assets | $1,551,013,000 | 411 |
| Average equity | $140,773,000 | 486 |
| Average total loans | $1,270,647,000 | 374 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 7,641 |
| Cost of funding earning assets | 1.7973% | 4,005 |
| Net interest margin | 2.3251% | 7,569 |
| Noninterest income to average assets | 0.2165% | 6,564 |
| Noninterest expense to average assets | 2.0611% | 7,264 |
| Loan and lease loss provision to assets | 1.6891% | 1,350 |
| Net operating income to assets | -1.2437% | 6,731 |
| Return on assets (ROA) | -0.8714% | 6,491 |
| Pretax return on assets | -0.8714% | 6,322 |
| Return on Equity (ROE) | -9.1185% | 6,546 |
| Retained earnings to average equity (ytd only) | -9.1185% | 6,440 |
| Net charge-offs to loans | 1.7587% | 1,423 |
| Credit loss provision to net charge-offs | 121.0203% | 4,410 |
| Earnings coverage of net charge-offs (x) | 0.3191% | 5,796 |
| Efficiency ratio | 82.2296% | 2,572 |
| Assets per employee ($millions) | 16.7113% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 5,253 |
| Loan loss allowance to noncurrent loans | 143.2049% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 5,626 |
| Noncurrent loans to loans | 0.8507% | 5,592 |
| Net loans and leases to total assets | 85.9434% | 284 |
| Net loans and leases to deposits | 95.5648% | 1,381 |
| Net loans and leases to core deposits | 210.9138% | 79 |
| Total domestic deposits to total assets | 89.9320% | 996 |
| Equity capital to assets | 9.3447% | 4,640 |
| Core capital (leverage) ratio | 8.8488% | 4,689 |
| Tier 1 risk-based capital ratio | 9.7495% | 7,063 |
| Total risk-based capital ratio | 10.8488% | 7,143 |
| Memoranda: | ||
| Average total assets | $1,411,475,200 | 483 |
| Average earning assets | $1,390,176,000 | 450 |
| Average equity | $134,879,200 | 500 |
| Average total loans | $1,120,145,600 | 440 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 7,830 |
| Cost of funding earning assets | 1.8609% | 4,092 |
| Net interest margin | 2.0578% | 7,790 |
| Noninterest income to average assets | 0.2403% | 6,511 |
| Noninterest expense to average assets | 1.9492% | 7,467 |
| Loan and lease loss provision to assets | 2.1692% | 802 |
| Net operating income to assets | -1.8464% | 7,255 |
| Return on assets (ROA) | -1.4586% | 7,088 |
| Pretax return on assets | -1.4586% | 6,940 |
| Return on Equity (ROE) | -15.1745% | 7,198 |
| Retained earnings to average equity (ytd only) | -15.1745% | 7,144 |
| Net charge-offs to loans | 2.3807% | 773 |
| Credit loss provision to net charge-offs | 117.8414% | 4,311 |
| Earnings coverage of net charge-offs (x) | 0.1753% | 5,849 |
| Efficiency ratio | 85.7938% | 2,084 |
| Assets per employee ($millions) | 18.7001% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 4,884 |
| Loan loss allowance to noncurrent loans | 118.6864% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7796% | 5,565 |
| Noncurrent loans to loans | 1.0476% | 5,225 |
| Net loans and leases to total assets | 73.4907% | 2,663 |
| Net loans and leases to deposits | 80.8884% | 4,225 |
| Net loans and leases to core deposits | 159.0100% | 398 |
| Total domestic deposits to total assets | 90.8544% | 466 |
| Equity capital to assets | 8.3131% | 6,492 |
| Core capital (leverage) ratio | 8.9394% | 4,750 |
| Tier 1 risk-based capital ratio | 9.7208% | 7,221 |
| Total risk-based capital ratio | 10.7921% | 7,301 |
| Memoranda: | ||
| Average total assets | $1,392,517,500 | 505 |
| Average earning assets | $1,374,812,000 | 467 |
| Average equity | $133,852,750 | 510 |
| Average total loans | $1,076,680,750 | 469 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 7,940 |
| Cost of funding earning assets | 1.9827% | 3,860 |
| Net interest margin | 1.9202% | 7,902 |
| Noninterest income to average assets | 0.3281% | 5,889 |
| Noninterest expense to average assets | 2.1262% | 7,220 |
| Loan and lease loss provision to assets | 2.6169% | 587 |
| Net operating income to assets | -2.5197% | 7,564 |
| Return on assets (ROA) | -2.1505% | 7,464 |
| Pretax return on assets | -2.1505% | 7,332 |
| Return on Equity (ROE) | -21.1908% | 7,534 |
| Retained earnings to average equity (ytd only) | -21.1908% | 7,489 |
| Net charge-offs to loans | 2.9087% | 562 |
| Credit loss provision to net charge-offs | 114.5846% | 4,038 |
| Earnings coverage of net charge-offs (x) | 0.0426% | 5,633 |
| Efficiency ratio | 95.6269% | 1,404 |
| Assets per employee ($millions) | 15.3577% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 4,844 |
| Loan loss allowance to noncurrent loans | 185.2219% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 6,066 |
| Noncurrent loans to loans | 0.6552% | 5,947 |
| Net loans and leases to total assets | 82.2595% | 911 |
| Net loans and leases to deposits | 92.2251% | 2,426 |
| Net loans and leases to core deposits | 132.6442% | 1,393 |
| Total domestic deposits to total assets | 89.1943% | 1,170 |
| Equity capital to assets | 9.9309% | 4,047 |
| Core capital (leverage) ratio | 10.5689% | 2,752 |
| Tier 1 risk-based capital ratio | 10.8129% | 6,069 |
| Total risk-based capital ratio | 11.8974% | 6,171 |
| Memoranda: | ||
| Average total assets | $1,314,387,670 | 538 |
| Average earning assets | $1,297,347,000 | 495 |
| Average equity | $133,388,330 | 519 |
| Average total loans | $1,032,015,000 | 496 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 8,059 |
| Cost of funding earning assets | 2.0788% | 3,743 |
| Net interest margin | 1.6253% | 8,027 |
| Noninterest income to average assets | 0.2888% | 6,129 |
| Noninterest expense to average assets | 1.9914% | 7,372 |
| Loan and lease loss provision to assets | 3.2704% | 327 |
| Net operating income to assets | -3.3694% | 7,899 |
| Return on assets (ROA) | -3.2207% | 7,878 |
| Pretax return on assets | -3.2207% | 7,796 |
| Return on Equity (ROE) | -31.3797% | 7,917 |
| Retained earnings to average equity (ytd only) | -31.3797% | 7,872 |
| Net charge-offs to loans | 2.2473% | 646 |
| Credit loss provision to net charge-offs | 191.4909% | 2,301 |
| Earnings coverage of net charge-offs (x) | -0.0580% | 5,033 |
| Efficiency ratio | 105.2347% | 945 |
| Assets per employee ($millions) | 13.7982% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 2,410 |
| Loan loss allowance to noncurrent loans | 438.2895% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 6,640 |
| Noncurrent loans to loans | 0.3716% | 6,492 |
| Net loans and leases to total assets | 77.5645% | 1,916 |
| Net loans and leases to deposits | 88.0253% | 3,285 |
| Net loans and leases to core deposits | 113.4518% | 3,059 |
| Total domestic deposits to total assets | 88.1161% | 1,691 |
| Equity capital to assets | 10.6829% | 3,307 |
| Core capital (leverage) ratio | 11.1577% | 2,373 |
| Tier 1 risk-based capital ratio | 11.8114% | 5,115 |
| Total risk-based capital ratio | 13.0632% | 5,027 |
| Memoranda: | ||
| Average total assets | $1,288,164,500 | 549 |
| Average earning assets | $1,270,914,500 | 510 |
| Average equity | $132,213,000 | 521 |
| Average total loans | $978,941,000 | 520 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 7,916 |
| Cost of funding earning assets | 2.7763% | 2,801 |
| Net interest margin | 2.0908% | 8,022 |
| Noninterest income to average assets | 0.1704% | 7,203 |
| Noninterest expense to average assets | 2.7948% | 4,839 |
| Loan and lease loss provision to assets | 1.5656% | 850 |
| Net operating income to assets | -2.1316% | 7,635 |
| Return on assets (ROA) | -1.9934% | 7,563 |
| Pretax return on assets | -1.9934% | 7,436 |
| Return on Equity (ROE) | -14.5977% | 7,573 |
| Retained earnings to average equity (ytd only) | -14.5977% | 7,437 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3917% | 507 |
| Assets per employee ($millions) | 15.7938% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 4,214 |
| Loan loss allowance to noncurrent loans | 178.8154% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 5,660 |
| Noncurrent loans to loans | 0.6950% | 5,297 |
| Net loans and leases to total assets | 72.1934% | 3,538 |
| Net loans and leases to deposits | 81.7788% | 4,761 |
| Net loans and leases to core deposits | 92.6462% | 5,573 |
| Total domestic deposits to total assets | 88.2789% | 1,349 |
| Equity capital to assets | 9.8387% | 4,241 |
| Core capital (leverage) ratio | 12.3260% | 1,820 |
| Tier 1 risk-based capital ratio | 11.9387% | 4,871 |
| Total risk-based capital ratio | 13.0184% | 4,919 |
| Memoranda: | ||
| Average total assets | $710,135,800 | 938 |
| Average earning assets | $699,172,000 | 872 |
| Average equity | $96,974,000 | 687 |
| Average total loans | $527,762,800 | 899 |