| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3327% | 1,429 |
| Cost of funding earning assets | 1.8434% | 1,174 |
| Net interest margin | 3.4893% | 2,211 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 3.0107% | 1,112 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9332% | 2,435 |
| Return on assets (ROA) | 0.9332% | 2,411 |
| Pretax return on assets | 1.1889% | 2,172 |
| Return on Equity (ROE) | 9.8100% | 2,552 |
| Retained earnings to average equity (ytd only) | 5.7146% | 2,350 |
| Net charge-offs to loans | 0.0357% | 1,597 |
| Credit loss provision to net charge-offs | 204.7907% | 1,209 |
| Earnings coverage of net charge-offs (x) | 42.2140% | 1,414 |
| Efficiency ratio | 70.5272% | 1,812 |
| Assets per employee ($millions) | 6.7658% | 2,231 |
| Cash dividends to net income (ytd only)* | 41.7573% | 2,008 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0821% | 2,919 |
| Loan loss allowance to noncurrent loans | 766.9345% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 2,563 |
| Noncurrent loans to loans | 0.1411% | 2,806 |
| Net loans and leases to total assets | 78.8300% | 782 |
| Net loans and leases to deposits | 94.0201% | 939 |
| Net loans and leases to core deposits | 103.0359% | 1,275 |
| Total domestic deposits to total assets | 83.8500% | 2,661 |
| Equity capital to assets | 10.1540% | 1,916 |
| Core capital (leverage) ratio | 10.0119% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $7,390,959,600 | 204 |
| Average earning assets | $6,852,885,400 | 198 |
| Average equity | $702,937,200 | 215 |
| Average total loans | $6,023,109,000 | 179 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2287% | 1,398 |
| Cost of funding earning assets | 1.7115% | 1,167 |
| Net interest margin | 3.5171% | 2,173 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 3.0219% | 1,044 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8972% | 2,689 |
| Return on assets (ROA) | 0.8972% | 2,676 |
| Pretax return on assets | 1.1464% | 2,436 |
| Return on Equity (ROE) | 9.6000% | 2,766 |
| Retained earnings to average equity (ytd only) | 5.3967% | 2,809 |
| Net charge-offs to loans | 0.0212% | 1,691 |
| Credit loss provision to net charge-offs | 189.2970% | 1,156 |
| Earnings coverage of net charge-offs (x) | 68.5467% | 1,125 |
| Efficiency ratio | 71.2646% | 1,646 |
| Assets per employee ($millions) | 6.3736% | 2,428 |
| Cash dividends to net income (ytd only)* | 43.7983% | 1,494 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0500% | 3,115 |
| Loan loss allowance to noncurrent loans | 537.7878% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 2,213 |
| Noncurrent loans to loans | 0.1952% | 2,578 |
| Net loans and leases to total assets | 80.1000% | 630 |
| Net loans and leases to deposits | 97.4466% | 645 |
| Net loans and leases to core deposits | 103.9467% | 1,126 |
| Total domestic deposits to total assets | 82.2000% | 3,177 |
| Equity capital to assets | 9.1845% | 2,299 |
| Core capital (leverage) ratio | 9.2046% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $7,329,063,750 | 208 |
| Average earning assets | $6,789,978,750 | 200 |
| Average equity | $684,767,000 | 217 |
| Average total loans | $6,007,018,750 | 180 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0806% | 1,403 |
| Cost of funding earning assets | 1.5026% | 1,238 |
| Net interest margin | 3.5781% | 2,082 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.9712% | 1,088 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9597% | 2,547 |
| Return on assets (ROA) | 0.9597% | 2,538 |
| Pretax return on assets | 1.2188% | 2,313 |
| Return on Equity (ROE) | 10.2100% | 2,642 |
| Retained earnings to average equity (ytd only) | 5.9813% | 2,630 |
| Net charge-offs to loans | 0.0200% | 1,493 |
| Credit loss provision to net charge-offs | 370.1342% | 764 |
| Earnings coverage of net charge-offs (x) | 76.4832% | 1,075 |
| Efficiency ratio | 69.7326% | 1,787 |
| Assets per employee ($millions) | 6.2857% | 2,479 |
| Cash dividends to net income (ytd only)* | 41.4257% | 1,629 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0692% | 3,092 |
| Loan loss allowance to noncurrent loans | 734.6435% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,477 |
| Noncurrent loans to loans | 0.1455% | 2,738 |
| Net loans and leases to total assets | 80.0800% | 617 |
| Net loans and leases to deposits | 96.8051% | 684 |
| Net loans and leases to core deposits | 101.6950% | 1,150 |
| Total domestic deposits to total assets | 82.7300% | 3,101 |
| Equity capital to assets | 9.1698% | 2,395 |
| Core capital (leverage) ratio | 9.3152% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $7,243,894,667 | 202 |
| Average earning assets | $6,708,058,667 | 197 |
| Average equity | $680,820,333 | 213 |
| Average total loans | $5,962,748,667 | 175 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9184% | 1,380 |
| Cost of funding earning assets | 1.2464% | 1,350 |
| Net interest margin | 3.6720% | 1,963 |
| Noninterest income to average assets | 0.9600% | 612 |
| Noninterest expense to average assets | 2.9419% | 1,156 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0770% | 2,299 |
| Return on assets (ROA) | 1.0770% | 2,270 |
| Pretax return on assets | 1.3823% | 1,925 |
| Return on Equity (ROE) | 11.3100% | 2,401 |
| Retained earnings to average equity (ytd only) | 7.0512% | 2,478 |
| Net charge-offs to loans | 0.0432% | 926 |
| Credit loss provision to net charge-offs | 223.2704% | 782 |
| Earnings coverage of net charge-offs (x) | 39.3884% | 1,196 |
| Efficiency ratio | 67.0636% | 2,080 |
| Assets per employee ($millions) | 6.1152% | 2,666 |
| Cash dividends to net income (ytd only)* | 37.6746% | 1,520 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0808% | 3,144 |
| Loan loss allowance to noncurrent loans | 641.6559% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 2,268 |
| Noncurrent loans to loans | 0.1684% | 2,647 |
| Net loans and leases to total assets | 82.2500% | 349 |
| Net loans and leases to deposits | 96.6652% | 619 |
| Net loans and leases to core deposits | 100.0374% | 1,087 |
| Total domestic deposits to total assets | 85.0900% | 2,836 |
| Equity capital to assets | 9.5894% | 2,068 |
| Core capital (leverage) ratio | 9.5030% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $7,097,544,500 | 212 |
| Average earning assets | $6,567,660,500 | 202 |
| Average equity | $675,686,000 | 218 |
| Average total loans | $5,893,688,000 | 183 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1346% | 1,391 |
| Cost of funding earning assets | 0.3293% | 2,642 |
| Net interest margin | 3.8052% | 1,151 |
| Noninterest income to average assets | 1.1800% | 488 |
| Noninterest expense to average assets | 3.2743% | 652 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1092% | 2,132 |
| Return on assets (ROA) | 1.1092% | 2,068 |
| Pretax return on assets | 1.4126% | 1,733 |
| Return on Equity (ROE) | 11.9900% | 2,141 |
| Retained earnings to average equity (ytd only) | 7.7455% | 1,936 |
| Net charge-offs to loans | 0.0734% | 911 |
| Credit loss provision to net charge-offs | 41.9081% | 1,851 |
| Earnings coverage of net charge-offs (x) | 25.1834% | 1,776 |
| Efficiency ratio | 69.0239% | 1,822 |
| Assets per employee ($millions) | 5.9916% | 2,774 |
| Cash dividends to net income (ytd only)* | 35.4266% | 2,144 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7356% | 4,160 |
| Loan loss allowance to noncurrent loans | 389.9500% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 2,185 |
| Noncurrent loans to loans | 0.1886% | 2,543 |
| Net loans and leases to total assets | 82.3200% | 381 |
| Net loans and leases to deposits | 96.6492% | 604 |
| Net loans and leases to core deposits | 99.4477% | 1,031 |
| Total domestic deposits to total assets | 85.1700% | 2,950 |
| Equity capital to assets | 9.4492% | 2,045 |
| Core capital (leverage) ratio | 9.3078% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $6,412,891,000 | 224 |
| Average earning assets | $5,956,712,600 | 220 |
| Average equity | $593,031,000 | 237 |
| Average total loans | $4,986,438,200 | 196 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9110% | 1,461 |
| Cost of funding earning assets | 0.1914% | 3,379 |
| Net interest margin | 3.7196% | 1,094 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 3.2357% | 652 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1367% | 1,943 |
| Return on assets (ROA) | 1.1368% | 1,917 |
| Pretax return on assets | 1.4412% | 1,595 |
| Return on Equity (ROE) | 12.3700% | 1,920 |
| Retained earnings to average equity (ytd only) | 7.9878% | 2,002 |
| Net charge-offs to loans | 0.0998% | 615 |
| Credit loss provision to net charge-offs | 31.0123% | 1,600 |
| Earnings coverage of net charge-offs (x) | 19.2293% | 1,730 |
| Efficiency ratio | 68.3590% | 1,970 |
| Assets per employee ($millions) | 5.7319% | 3,005 |
| Cash dividends to net income (ytd only)* | 35.4171% | 1,785 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7660% | 4,151 |
| Loan loss allowance to noncurrent loans | 472.2216% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,362 |
| Noncurrent loans to loans | 0.1622% | 2,793 |
| Net loans and leases to total assets | 81.3300% | 420 |
| Net loans and leases to deposits | 95.7177% | 565 |
| Net loans and leases to core deposits | 99.2447% | 845 |
| Total domestic deposits to total assets | 84.9700% | 3,295 |
| Equity capital to assets | 9.5758% | 1,842 |
| Core capital (leverage) ratio | 9.4134% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $6,259,085,500 | 228 |
| Average earning assets | $5,820,366,000 | 226 |
| Average equity | $575,263,250 | 250 |
| Average total loans | $4,775,976,000 | 199 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6385% | 1,723 |
| Cost of funding earning assets | 0.1482% | 3,600 |
| Net interest margin | 3.4903% | 1,338 |
| Noninterest income to average assets | 1.2937% | 430 |
| Noninterest expense to average assets | 3.1636% | 667 |
| Loan and lease loss provision to assets | 0.0203% | 2,236 |
| Net operating income to assets | 1.0695% | 1,898 |
| Return on assets (ROA) | 1.0696% | 1,877 |
| Pretax return on assets | 1.3539% | 1,573 |
| Return on Equity (ROE) | 11.8211% | 1,715 |
| Retained earnings to average equity (ytd only) | 7.2456% | 1,897 |
| Net charge-offs to loans | 0.1003% | 583 |
| Credit loss provision to net charge-offs | 27.3169% | 1,577 |
| Earnings coverage of net charge-offs (x) | 18.4572% | 1,581 |
| Efficiency ratio | 69.2439% | 2,069 |
| Assets per employee ($millions) | 5.5475% | 3,177 |
| Cash dividends to net income (ytd only)* | 38.7061% | 1,779 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8380% | 4,108 |
| Loan loss allowance to noncurrent loans | 406.8412% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 2,123 |
| Noncurrent loans to loans | 0.2060% | 2,688 |
| Net loans and leases to total assets | 78.1005% | 545 |
| Net loans and leases to deposits | 87.7518% | 850 |
| Net loans and leases to core deposits | 91.2103% | 1,056 |
| Total domestic deposits to total assets | 89.0016% | 2,187 |
| Equity capital to assets | 9.8873% | 1,777 |
| Core capital (leverage) ratio | 9.4870% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6450% | 2,900 |
| Memoranda: |
| Average total assets | $6,087,096,000 | 237 |
| Average earning assets | $5,657,720,000 | 235 |
| Average equity | $550,762,667 | 250 |
| Average total loans | $4,517,057,667 | 203 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3767% | 2,157 |
| Cost of funding earning assets | 0.1289% | 3,789 |
| Net interest margin | 3.2478% | 1,728 |
| Noninterest income to average assets | 1.3218% | 417 |
| Noninterest expense to average assets | 3.0576% | 745 |
| Loan and lease loss provision to assets | 0.0195% | 2,004 |
| Net operating income to assets | 0.9987% | 1,888 |
| Return on assets (ROA) | 0.9987% | 1,884 |
| Pretax return on assets | 1.2669% | 1,601 |
| Return on Equity (ROE) | 11.6443% | 1,413 |
| Retained earnings to average equity (ytd only) | 6.6187% | 2,023 |
| Net charge-offs to loans | 0.1000% | 519 |
| Credit loss provision to net charge-offs | 27.2206% | 1,269 |
| Earnings coverage of net charge-offs (x) | 17.9580% | 1,314 |
| Efficiency ratio | 69.9915% | 2,234 |
| Assets per employee ($millions) | 5.5134% | 3,308 |
| Cash dividends to net income (ytd only)* | 43.1596% | 1,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9313% | 3,954 |
| Loan loss allowance to noncurrent loans | 461.1488% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 2,191 |
| Noncurrent loans to loans | 0.2020% | 2,812 |
| Net loans and leases to total assets | 72.3343% | 804 |
| Net loans and leases to deposits | 80.2209% | 1,134 |
| Net loans and leases to core deposits | 83.6555% | 1,260 |
| Total domestic deposits to total assets | 90.1689% | 1,466 |
| Equity capital to assets | 8.7129% | 2,961 |
| Core capital (leverage) ratio | 9.1950% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0235% | 3,048 |
| Memoranda: |
| Average total assets | $5,846,495,500 | 248 |
| Average earning assets | $5,440,195,000 | 240 |
| Average equity | $501,430,500 | 272 |
| Average total loans | $4,188,973,000 | 215 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9163% | 1,568 |
| Cost of funding earning assets | 0.1672% | 3,803 |
| Net interest margin | 3.7491% | 1,105 |
| Noninterest income to average assets | 1.5299% | 483 |
| Noninterest expense to average assets | 3.3116% | 618 |
| Loan and lease loss provision to assets | 0.1851% | 610 |
| Net operating income to assets | 1.2017% | 1,917 |
| Return on assets (ROA) | 1.2019% | 1,966 |
| Pretax return on assets | 1.5021% | 1,719 |
| Return on Equity (ROE) | 14.2910% | 1,107 |
| Retained earnings to average equity (ytd only) | 9.1519% | 1,151 |
| Net charge-offs to loans | 0.0071% | 2,309 |
| Credit loss provision to net charge-offs | 3,700.0000% | 184 |
| Earnings coverage of net charge-offs (x) | 337.2120% | 372 |
| Efficiency ratio | 65.9617% | 2,264 |
| Assets per employee ($millions) | 5.2769% | 3,494 |
| Cash dividends to net income (ytd only)* | 35.9604% | 2,242 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2404% | 2,670 |
| Loan loss allowance to noncurrent loans | 549.2494% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 2,387 |
| Noncurrent loans to loans | 0.2258% | 2,829 |
| Net loans and leases to total assets | 69.0698% | 1,141 |
| Net loans and leases to deposits | 76.5694% | 1,526 |
| Net loans and leases to core deposits | 79.4950% | 1,643 |
| Total domestic deposits to total assets | 90.2056% | 866 |
| Equity capital to assets | 8.4057% | 4,112 |
| Core capital (leverage) ratio | 8.3746% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6524% | 2,958 |
| Memoranda: |
| Average total assets | $4,997,382,600 | 272 |
| Average earning assets | $4,623,596,200 | 265 |
| Average equity | $420,305,200 | 304 |
| Average total loans | $3,499,265,600 | 240 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9966% | 1,538 |
| Cost of funding earning assets | 0.1782% | 3,840 |
| Net interest margin | 3.8184% | 1,077 |
| Noninterest income to average assets | 1.5727% | 503 |
| Noninterest expense to average assets | 3.3047% | 594 |
| Loan and lease loss provision to assets | 0.2019% | 512 |
| Net operating income to assets | 1.2734% | 1,907 |
| Return on assets (ROA) | 1.2734% | 1,966 |
| Pretax return on assets | 1.5913% | 1,731 |
| Return on Equity (ROE) | 15.1388% | 1,115 |
| Retained earnings to average equity (ytd only) | 9.9513% | 1,328 |
| Net charge-offs to loans | -0.0194% | 3,951 |
| Credit loss provision to net charge-offs | -1,484.3564% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5396% | 2,311 |
| Assets per employee ($millions) | 5.2137% | 3,487 |
| Cash dividends to net income (ytd only)* | 34.2661% | 1,883 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2437% | 2,775 |
| Loan loss allowance to noncurrent loans | 463.9498% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 2,339 |
| Noncurrent loans to loans | 0.2681% | 2,848 |
| Net loans and leases to total assets | 68.4523% | 1,263 |
| Net loans and leases to deposits | 75.9840% | 1,676 |
| Net loans and leases to core deposits | 78.8403% | 1,830 |
| Total domestic deposits to total assets | 90.0878% | 739 |
| Equity capital to assets | 8.4524% | 4,243 |
| Core capital (leverage) ratio | 8.3234% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8929% | 2,986 |
| Memoranda: |
| Average total assets | $4,949,932,250 | 275 |
| Average earning assets | $4,569,594,500 | 268 |
| Average equity | $416,376,750 | 304 |
| Average total loans | $3,467,137,250 | 244 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0094% | 1,546 |
| Cost of funding earning assets | 0.1899% | 3,857 |
| Net interest margin | 3.8195% | 1,113 |
| Noninterest income to average assets | 1.5614% | 511 |
| Noninterest expense to average assets | 3.2508% | 663 |
| Loan and lease loss provision to assets | 0.2424% | 410 |
| Net operating income to assets | 1.2821% | 1,917 |
| Return on assets (ROA) | 1.2822% | 1,993 |
| Pretax return on assets | 1.5843% | 1,781 |
| Return on Equity (ROE) | 15.2685% | 1,093 |
| Retained earnings to average equity (ytd only) | 10.0176% | 1,387 |
| Net charge-offs to loans | -0.0039% | 3,358 |
| Credit loss provision to net charge-offs | -8,729.4118% | 4,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7351% | 2,465 |
| Assets per employee ($millions) | 5.1436% | 3,519 |
| Cash dividends to net income (ytd only)* | 34.3905% | 1,843 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2001% | 2,936 |
| Loan loss allowance to noncurrent loans | 317.6827% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 2,124 |
| Noncurrent loans to loans | 0.3778% | 2,540 |
| Net loans and leases to total assets | 68.3920% | 1,398 |
| Net loans and leases to deposits | 75.7324% | 1,849 |
| Net loans and leases to core deposits | 78.6596% | 1,989 |
| Total domestic deposits to total assets | 90.3075% | 644 |
| Equity capital to assets | 8.3491% | 4,325 |
| Core capital (leverage) ratio | 8.2120% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6684% | 3,018 |
| Memoranda: |
| Average total assets | $4,898,494,667 | 273 |
| Average earning assets | $4,509,148,333 | 268 |
| Average equity | $411,358,000 | 303 |
| Average total loans | $3,443,524,333 | 246 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1231% | 1,334 |
| Cost of funding earning assets | 0.2025% | 3,888 |
| Net interest margin | 3.9206% | 952 |
| Noninterest income to average assets | 1.5468% | 574 |
| Noninterest expense to average assets | 3.2107% | 709 |
| Loan and lease loss provision to assets | 0.3232% | 270 |
| Net operating income to assets | 1.3305% | 1,732 |
| Return on assets (ROA) | 1.3305% | 1,820 |
| Pretax return on assets | 1.6144% | 1,682 |
| Return on Equity (ROE) | 15.7964% | 1,060 |
| Retained earnings to average equity (ytd only) | 10.4757% | 1,526 |
| Net charge-offs to loans | -0.0172% | 3,919 |
| Credit loss provision to net charge-offs | -2,648.9796% | 3,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0734% | 2,743 |
| Assets per employee ($millions) | 5.0512% | 3,597 |
| Cash dividends to net income (ytd only)* | 33.6826% | 1,593 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1690% | 3,099 |
| Loan loss allowance to noncurrent loans | 291.6740% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 2,222 |
| Noncurrent loans to loans | 0.4008% | 2,665 |
| Net loans and leases to total assets | 68.5258% | 1,463 |
| Net loans and leases to deposits | 75.9100% | 1,918 |
| Net loans and leases to core deposits | 78.8958% | 2,102 |
| Total domestic deposits to total assets | 90.2724% | 686 |
| Equity capital to assets | 8.2924% | 4,283 |
| Core capital (leverage) ratio | 8.3106% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5337% | 2,809 |
| Memoranda: |
| Average total assets | $4,819,686,000 | 268 |
| Average earning assets | $4,427,385,500 | 268 |
| Average equity | $405,967,000 | 306 |
| Average total loans | $3,415,296,000 | 247 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2431% | 2,020 |
| Cost of funding earning assets | 0.3603% | 3,817 |
| Net interest margin | 3.8828% | 1,266 |
| Noninterest income to average assets | 1.4846% | 549 |
| Noninterest expense to average assets | 3.4288% | 763 |
| Loan and lease loss provision to assets | 0.3871% | 830 |
| Net operating income to assets | 0.9542% | 2,460 |
| Return on assets (ROA) | 0.9553% | 2,605 |
| Pretax return on assets | 1.1987% | 2,328 |
| Return on Equity (ROE) | 10.3938% | 1,850 |
| Retained earnings to average equity (ytd only) | 4.9669% | 2,289 |
| Net charge-offs to loans | 0.0805% | 1,670 |
| Credit loss provision to net charge-offs | 655.1302% | 1,045 |
| Earnings coverage of net charge-offs (x) | 26.8166% | 1,701 |
| Efficiency ratio | 68.1292% | 2,227 |
| Assets per employee ($millions) | 4.8198% | 3,586 |
| Cash dividends to net income (ytd only)* | 52.2128% | 1,724 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0572% | 3,648 |
| Loan loss allowance to noncurrent loans | 184.6249% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 1,997 |
| Noncurrent loans to loans | 0.5726% | 2,266 |
| Net loans and leases to total assets | 71.6985% | 1,331 |
| Net loans and leases to deposits | 79.8677% | 1,877 |
| Net loans and leases to core deposits | 83.4159% | 2,085 |
| Total domestic deposits to total assets | 89.7716% | 650 |
| Equity capital to assets | 8.5605% | 4,404 |
| Core capital (leverage) ratio | 8.4858% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4152% | 2,821 |
| Memoranda: |
| Average total assets | $4,420,820,000 | 265 |
| Average earning assets | $4,017,583,800 | 268 |
| Average equity | $406,311,200 | 292 |
| Average total loans | $3,242,946,800 | 251 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1248% | 2,602 |
| Cost of funding earning assets | 0.3885% | 3,875 |
| Net interest margin | 3.7362% | 1,810 |
| Noninterest income to average assets | 1.4727% | 539 |
| Noninterest expense to average assets | 3.3589% | 838 |
| Loan and lease loss provision to assets | 0.2366% | 1,718 |
| Net operating income to assets | 1.0007% | 2,337 |
| Return on assets (ROA) | 1.0021% | 2,463 |
| Pretax return on assets | 1.2674% | 2,166 |
| Return on Equity (ROE) | 10.7048% | 1,783 |
| Retained earnings to average equity (ytd only) | 5.2547% | 2,451 |
| Net charge-offs to loans | 0.0989% | 1,321 |
| Credit loss provision to net charge-offs | 325.1789% | 1,684 |
| Earnings coverage of net charge-offs (x) | 20.6434% | 1,894 |
| Efficiency ratio | 68.8588% | 2,066 |
| Assets per employee ($millions) | 4.7644% | 3,521 |
| Cash dividends to net income (ytd only)* | 50.9128% | 1,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7793% | 4,411 |
| Loan loss allowance to noncurrent loans | 168.7280% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 2,350 |
| Noncurrent loans to loans | 0.4618% | 2,668 |
| Net loans and leases to total assets | 75.2104% | 1,203 |
| Net loans and leases to deposits | 84.0893% | 1,907 |
| Net loans and leases to core deposits | 88.0931% | 2,135 |
| Total domestic deposits to total assets | 89.4411% | 602 |
| Equity capital to assets | 8.7632% | 4,281 |
| Core capital (leverage) ratio | 8.4667% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7600% | 2,700 |
| Memoranda: |
| Average total assets | $4,351,207,000 | 265 |
| Average earning assets | $3,946,290,250 | 268 |
| Average equity | $407,319,250 | 291 |
| Average total loans | $3,202,356,750 | 251 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8817% | 3,671 |
| Cost of funding earning assets | 0.4229% | 3,935 |
| Net interest margin | 3.4588% | 2,921 |
| Noninterest income to average assets | 1.3286% | 587 |
| Noninterest expense to average assets | 3.2533% | 1,070 |
| Loan and lease loss provision to assets | 0.1422% | 2,592 |
| Net operating income to assets | 0.8492% | 2,872 |
| Return on assets (ROA) | 0.8511% | 2,977 |
| Pretax return on assets | 1.0750% | 2,790 |
| Return on Equity (ROE) | 8.8910% | 2,402 |
| Retained earnings to average equity (ytd only) | 3.4076% | 3,223 |
| Net charge-offs to loans | 0.0313% | 2,097 |
| Credit loss provision to net charge-offs | 623.3129% | 1,079 |
| Earnings coverage of net charge-offs (x) | 53.2474% | 1,061 |
| Efficiency ratio | 72.6299% | 1,607 |
| Assets per employee ($millions) | 4.7215% | 3,508 |
| Cash dividends to net income (ytd only)* | 61.6743% | 1,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7165% | 4,530 |
| Loan loss allowance to noncurrent loans | 147.7644% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 2,298 |
| Noncurrent loans to loans | 0.4849% | 2,693 |
| Net loans and leases to total assets | 73.4016% | 1,495 |
| Net loans and leases to deposits | 82.0150% | 2,206 |
| Net loans and leases to core deposits | 85.7079% | 2,460 |
| Total domestic deposits to total assets | 89.4978% | 570 |
| Equity capital to assets | 8.5661% | 4,439 |
| Core capital (leverage) ratio | 8.3951% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3594% | 3,111 |
| Memoranda: |
| Average total assets | $4,286,529,000 | 265 |
| Average earning assets | $3,890,892,000 | 267 |
| Average equity | $410,323,333 | 290 |
| Average total loans | $3,121,362,000 | 255 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4076% | 2,594 |
| Cost of funding earning assets | 0.6348% | 3,249 |
| Net interest margin | 3.7728% | 2,075 |
| Noninterest income to average assets | 1.9770% | 274 |
| Noninterest expense to average assets | 4.0146% | 500 |
| Loan and lease loss provision to assets | 0.0255% | 3,475 |
| Net operating income to assets | 1.1031% | 1,830 |
| Return on assets (ROA) | 1.1071% | 1,916 |
| Pretax return on assets | 1.3779% | 1,628 |
| Return on Equity (ROE) | 11.3729% | 1,297 |
| Retained earnings to average equity (ytd only) | 5.2061% | 2,191 |
| Net charge-offs to loans | 0.0990% | 1,087 |
| Credit loss provision to net charge-offs | 36.7308% | 2,115 |
| Earnings coverage of net charge-offs (x) | 20.1596% | 1,423 |
| Efficiency ratio | 74.1412% | 1,796 |
| Assets per employee ($millions) | 4.0236% | 3,887 |
| Cash dividends to net income (ytd only)* | 54.2234% | 1,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0043% | 3,683 |
| Loan loss allowance to noncurrent loans | 157.0899% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 2,326 |
| Noncurrent loans to loans | 0.6393% | 2,392 |
| Net loans and leases to total assets | 68.9722% | 2,400 |
| Net loans and leases to deposits | 78.5460% | 2,830 |
| Net loans and leases to core deposits | 81.9244% | 3,027 |
| Total domestic deposits to total assets | 87.8112% | 1,181 |
| Equity capital to assets | 9.7913% | 3,964 |
| Core capital (leverage) ratio | 9.4424% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4510% | 2,505 |
| Memoranda: |
| Average total assets | $2,998,538,000 | 323 |
| Average earning assets | $2,730,943,000 | 323 |
| Average equity | $291,886,500 | 366 |
| Average total loans | $2,100,444,000 | 321 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6831% | 2,377 |
| Cost of funding earning assets | 0.7073% | 3,127 |
| Net interest margin | 3.9759% | 1,924 |
| Noninterest income to average assets | 2.0599% | 245 |
| Noninterest expense to average assets | 3.9457% | 565 |
| Loan and lease loss provision to assets | 0.0239% | 3,539 |
| Net operating income to assets | 1.3727% | 1,439 |
| Return on assets (ROA) | 1.3748% | 1,506 |
| Pretax return on assets | 1.7110% | 1,162 |
| Return on Equity (ROE) | 14.5016% | 797 |
| Retained earnings to average equity (ytd only) | 7.9884% | 980 |
| Net charge-offs to loans | 0.1755% | 1,152 |
| Credit loss provision to net charge-offs | 18.8531% | 3,320 |
| Earnings coverage of net charge-offs (x) | 13.6592% | 2,335 |
| Efficiency ratio | 69.1238% | 2,300 |
| Assets per employee ($millions) | 4.0759% | 3,820 |
| Cash dividends to net income (ytd only)* | 44.9135% | 2,341 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0273% | 3,325 |
| Loan loss allowance to noncurrent loans | 145.4964% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 2,138 |
| Noncurrent loans to loans | 0.7061% | 2,108 |
| Net loans and leases to total assets | 69.7093% | 2,449 |
| Net loans and leases to deposits | 79.3785% | 2,852 |
| Net loans and leases to core deposits | 82.7658% | 3,061 |
| Total domestic deposits to total assets | 87.8188% | 1,218 |
| Equity capital to assets | 9.6763% | 4,198 |
| Core capital (leverage) ratio | 9.6335% | 3,918 |
| Tier 1 risk-based capital ratio | 12.4889% | 4,074 |
| Total risk-based capital ratio | 13.4327% | 4,143 |
| Memoranda: |
| Average total assets | $2,915,070,600 | 317 |
| Average earning assets | $2,652,787,600 | 322 |
| Average equity | $276,363,000 | 369 |
| Average total loans | $2,106,492,600 | 311 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6951% | 2,432 |
| Cost of funding earning assets | 0.7152% | 3,134 |
| Net interest margin | 3.9799% | 2,016 |
| Noninterest income to average assets | 2.0360% | 259 |
| Noninterest expense to average assets | 3.8821% | 603 |
| Loan and lease loss provision to assets | 0.0527% | 2,855 |
| Net operating income to assets | 1.3789% | 1,534 |
| Return on assets (ROA) | 1.3816% | 1,596 |
| Pretax return on assets | 1.7217% | 1,276 |
| Return on Equity (ROE) | 14.6505% | 861 |
| Retained earnings to average equity (ytd only) | 8.0712% | 1,360 |
| Net charge-offs to loans | 0.1918% | 899 |
| Credit loss provision to net charge-offs | 37.7595% | 2,868 |
| Earnings coverage of net charge-offs (x) | 12.6969% | 2,339 |
| Efficiency ratio | 68.2095% | 2,377 |
| Assets per employee ($millions) | 4.1017% | 3,754 |
| Cash dividends to net income (ytd only)* | 44.9087% | 1,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0649% | 3,204 |
| Loan loss allowance to noncurrent loans | 152.9631% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,308 |
| Noncurrent loans to loans | 0.6962% | 2,216 |
| Net loans and leases to total assets | 70.8367% | 2,349 |
| Net loans and leases to deposits | 80.3952% | 2,860 |
| Net loans and leases to core deposits | 83.6427% | 3,126 |
| Total domestic deposits to total assets | 88.1105% | 991 |
| Equity capital to assets | 9.5126% | 4,440 |
| Core capital (leverage) ratio | 9.6016% | 4,061 |
| Tier 1 risk-based capital ratio | 12.1090% | 4,361 |
| Total risk-based capital ratio | 13.0912% | 4,378 |
| Memoranda: |
| Average total assets | $2,901,014,000 | 325 |
| Average earning assets | $2,636,561,000 | 325 |
| Average equity | $273,576,000 | 375 |
| Average total loans | $2,109,923,250 | 316 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7050% | 2,345 |
| Cost of funding earning assets | 0.7040% | 3,150 |
| Net interest margin | 4.0010% | 1,916 |
| Noninterest income to average assets | 2.0270% | 259 |
| Noninterest expense to average assets | 3.8650% | 618 |
| Loan and lease loss provision to assets | 0.0447% | 2,929 |
| Net operating income to assets | 1.4046% | 1,427 |
| Return on assets (ROA) | 1.4062% | 1,473 |
| Pretax return on assets | 1.7500% | 1,168 |
| Return on Equity (ROE) | 14.9564% | 772 |
| Retained earnings to average equity (ytd only) | 8.3078% | 1,276 |
| Net charge-offs to loans | 0.1235% | 1,203 |
| Credit loss provision to net charge-offs | 49.5385% | 2,481 |
| Earnings coverage of net charge-offs (x) | 19.8546% | 1,801 |
| Efficiency ratio | 68.2556% | 2,495 |
| Assets per employee ($millions) | 3.9767% | 3,896 |
| Cash dividends to net income (ytd only)* | 44.4532% | 2,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1197% | 2,966 |
| Loan loss allowance to noncurrent loans | 151.4578% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 2,204 |
| Noncurrent loans to loans | 0.7393% | 2,143 |
| Net loans and leases to total assets | 71.6514% | 2,256 |
| Net loans and leases to deposits | 81.2118% | 2,813 |
| Net loans and leases to core deposits | 84.4901% | 3,072 |
| Total domestic deposits to total assets | 88.2278% | 994 |
| Equity capital to assets | 9.4058% | 4,495 |
| Core capital (leverage) ratio | 9.3258% | 4,340 |
| Tier 1 risk-based capital ratio | 11.6752% | 4,592 |
| Total risk-based capital ratio | 12.6958% | 4,602 |
| Memoranda: |
| Average total assets | $2,879,499,000 | 329 |
| Average earning assets | $2,612,967,000 | 326 |
| Average equity | $270,733,670 | 378 |
| Average total loans | $2,105,459,670 | 315 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6916% | 2,256 |
| Cost of funding earning assets | 0.6653% | 3,234 |
| Net interest margin | 4.0263% | 1,776 |
| Noninterest income to average assets | 1.9572% | 254 |
| Noninterest expense to average assets | 3.7810% | 670 |
| Loan and lease loss provision to assets | 0.0442% | 2,753 |
| Net operating income to assets | 1.4594% | 1,203 |
| Return on assets (ROA) | 1.4594% | 1,233 |
| Pretax return on assets | 1.7907% | 994 |
| Return on Equity (ROE) | 15.5256% | 658 |
| Retained earnings to average equity (ytd only) | 8.8065% | 1,382 |
| Net charge-offs to loans | 0.1122% | 1,065 |
| Credit loss provision to net charge-offs | 53.6627% | 1,950 |
| Earnings coverage of net charge-offs (x) | 22.2709% | 1,507 |
| Efficiency ratio | 67.2690% | 2,745 |
| Assets per employee ($millions) | 3.9924% | 3,937 |
| Cash dividends to net income (ytd only)* | 43.2776% | 1,826 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1505% | 2,849 |
| Loan loss allowance to noncurrent loans | 165.4692% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 2,246 |
| Noncurrent loans to loans | 0.6953% | 2,282 |
| Net loans and leases to total assets | 70.8402% | 2,353 |
| Net loans and leases to deposits | 80.0336% | 2,839 |
| Net loans and leases to core deposits | 83.3643% | 3,074 |
| Total domestic deposits to total assets | 88.5130% | 1,087 |
| Equity capital to assets | 9.2006% | 4,535 |
| Core capital (leverage) ratio | 9.2994% | 4,362 |
| Tier 1 risk-based capital ratio | 11.6556% | 4,653 |
| Total risk-based capital ratio | 12.7124% | 4,660 |
| Memoranda: |
| Average total assets | $2,849,854,000 | 335 |
| Average earning assets | $2,589,661,500 | 333 |
| Average equity | $267,892,500 | 381 |
| Average total loans | $2,093,426,500 | 323 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5016% | 2,454 |
| Cost of funding earning assets | 0.4141% | 3,903 |
| Net interest margin | 4.0875% | 1,723 |
| Noninterest income to average assets | 1.6863% | 337 |
| Noninterest expense to average assets | 3.9677% | 558 |
| Loan and lease loss provision to assets | 0.5542% | 201 |
| Net operating income to assets | 0.7453% | 3,984 |
| Return on assets (ROA) | 0.7461% | 3,984 |
| Pretax return on assets | 0.8486% | 4,040 |
| Return on Equity (ROE) | 7.6143% | 3,611 |
| Retained earnings to average equity (ytd only) | 1.5641% | 4,510 |
| Net charge-offs to loans | 0.4868% | 369 |
| Credit loss provision to net charge-offs | 157.0362% | 1,765 |
| Earnings coverage of net charge-offs (x) | 3.9724% | 3,356 |
| Efficiency ratio | 73.8279% | 1,644 |
| Assets per employee ($millions) | 3.7315% | 4,279 |
| Cash dividends to net income (ytd only)* | 79.4585% | 724 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1773% | 2,679 |
| Loan loss allowance to noncurrent loans | 158.0034% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 1,752 |
| Noncurrent loans to loans | 0.7451% | 2,133 |
| Net loans and leases to total assets | 74.4777% | 1,849 |
| Net loans and leases to deposits | 83.3648% | 2,584 |
| Net loans and leases to core deposits | 87.4462% | 2,794 |
| Total domestic deposits to total assets | 89.3395% | 719 |
| Equity capital to assets | 9.6126% | 4,035 |
| Core capital (leverage) ratio | 9.7856% | 3,818 |
| Tier 1 risk-based capital ratio | 11.3693% | 4,786 |
| Total risk-based capital ratio | 12.4301% | 4,784 |
| Memoranda: |
| Average total assets | $2,732,430,200 | 342 |
| Average earning assets | $2,462,247,200 | 339 |
| Average equity | $267,760,600 | 370 |
| Average total loans | $1,980,746,800 | 331 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4461% | 2,473 |
| Cost of funding earning assets | 0.3936% | 3,908 |
| Net interest margin | 4.0525% | 1,779 |
| Noninterest income to average assets | 2.0977% | 255 |
| Noninterest expense to average assets | 3.8999% | 596 |
| Loan and lease loss provision to assets | 0.2409% | 660 |
| Net operating income to assets | 1.3058% | 1,833 |
| Return on assets (ROA) | 1.3068% | 1,836 |
| Pretax return on assets | 1.5936% | 1,601 |
| Return on Equity (ROE) | 13.2713% | 1,340 |
| Retained earnings to average equity (ytd only) | 7.9051% | 1,700 |
| Net charge-offs to loans | 0.3816% | 424 |
| Credit loss provision to net charge-offs | 87.9578% | 2,443 |
| Earnings coverage of net charge-offs (x) | 6.6947% | 2,860 |
| Efficiency ratio | 67.9646% | 2,547 |
| Assets per employee ($millions) | 3.6728% | 4,342 |
| Cash dividends to net income (ytd only)* | 40.4343% | 2,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9065% | 4,239 |
| Loan loss allowance to noncurrent loans | 322.8682% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 1,525 |
| Noncurrent loans to loans | 0.2808% | 3,681 |
| Net loans and leases to total assets | 74.0110% | 1,976 |
| Net loans and leases to deposits | 85.2545% | 2,446 |
| Net loans and leases to core deposits | 90.3929% | 2,626 |
| Total domestic deposits to total assets | 86.8118% | 1,816 |
| Equity capital to assets | 10.2231% | 3,428 |
| Core capital (leverage) ratio | 10.2108% | 3,395 |
| Tier 1 risk-based capital ratio | 12.2980% | 4,319 |
| Total risk-based capital ratio | 13.1199% | 4,454 |
| Memoranda: |
| Average total assets | $2,725,215,500 | 341 |
| Average earning assets | $2,444,775,750 | 342 |
| Average equity | $268,342,500 | 365 |
| Average total loans | $1,955,672,500 | 332 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3459% | 2,600 |
| Cost of funding earning assets | 0.3688% | 3,946 |
| Net interest margin | 3.9772% | 1,936 |
| Noninterest income to average assets | 2.0472% | 266 |
| Noninterest expense to average assets | 3.8509% | 639 |
| Loan and lease loss provision to assets | 0.2444% | 635 |
| Net operating income to assets | 1.2490% | 1,985 |
| Return on assets (ROA) | 1.2505% | 1,980 |
| Pretax return on assets | 1.5247% | 1,728 |
| Return on Equity (ROE) | 12.8624% | 1,415 |
| Retained earnings to average equity (ytd only) | 7.4397% | 1,869 |
| Net charge-offs to loans | 0.5004% | 304 |
| Credit loss provision to net charge-offs | 68.9955% | 2,362 |
| Earnings coverage of net charge-offs (x) | 4.9888% | 2,751 |
| Efficiency ratio | 68.4813% | 2,564 |
| Assets per employee ($millions) | 3.7009% | 4,349 |
| Cash dividends to net income (ytd only)* | 42.1595% | 2,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8965% | 4,357 |
| Loan loss allowance to noncurrent loans | 130.4607% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.2855% | 1,103 |
| Noncurrent loans to loans | 0.6872% | 2,390 |
| Net loans and leases to total assets | 71.1214% | 2,420 |
| Net loans and leases to deposits | 84.4145% | 2,488 |
| Net loans and leases to core deposits | 89.0693% | 2,642 |
| Total domestic deposits to total assets | 84.2527% | 2,971 |
| Equity capital to assets | 9.9493% | 3,678 |
| Core capital (leverage) ratio | 9.8608% | 3,723 |
| Tier 1 risk-based capital ratio | 12.1801% | 4,383 |
| Total risk-based capital ratio | 12.9751% | 4,549 |
| Memoranda: |
| Average total assets | $2,731,340,330 | 340 |
| Average earning assets | $2,452,403,670 | 342 |
| Average equity | $265,549,330 | 365 |
| Average total loans | $1,933,668,330 | 333 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2406% | 2,745 |
| Cost of funding earning assets | 0.3496% | 3,999 |
| Net interest margin | 3.8911% | 2,078 |
| Noninterest income to average assets | 1.9328% | 281 |
| Noninterest expense to average assets | 3.8095% | 666 |
| Loan and lease loss provision to assets | 0.2176% | 729 |
| Net operating income to assets | 1.1759% | 2,109 |
| Return on assets (ROA) | 1.1759% | 2,118 |
| Pretax return on assets | 1.4097% | 1,976 |
| Return on Equity (ROE) | 12.2370% | 1,495 |
| Retained earnings to average equity (ytd only) | 6.7618% | 2,382 |
| Net charge-offs to loans | 0.6285% | 240 |
| Credit loss provision to net charge-offs | 49.2394% | 1,957 |
| Earnings coverage of net charge-offs (x) | 3.6822% | 2,362 |
| Efficiency ratio | 70.0062% | 2,482 |
| Assets per employee ($millions) | 3.8381% | 4,232 |
| Cash dividends to net income (ytd only)* | 44.7427% | 1,669 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9068% | 4,419 |
| Loan loss allowance to noncurrent loans | 198.9407% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 1.0600% | 1,473 |
| Noncurrent loans to loans | 0.4558% | 3,169 |
| Net loans and leases to total assets | 68.6827% | 2,674 |
| Net loans and leases to deposits | 84.8258% | 2,307 |
| Net loans and leases to core deposits | 89.6197% | 2,479 |
| Total domestic deposits to total assets | 80.9692% | 4,216 |
| Equity capital to assets | 9.5397% | 4,057 |
| Core capital (leverage) ratio | 9.6664% | 3,884 |
| Tier 1 risk-based capital ratio | 12.2120% | 4,424 |
| Total risk-based capital ratio | 13.0243% | 4,579 |
| Memoranda: |
| Average total assets | $2,736,946,000 | 342 |
| Average earning assets | $2,464,730,000 | 344 |
| Average equity | $263,006,500 | 371 |
| Average total loans | $1,924,455,000 | 336 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2274% | 2,589 |
| Cost of funding earning assets | 0.3764% | 3,454 |
| Net interest margin | 3.8510% | 2,245 |
| Noninterest income to average assets | 2.0393% | 291 |
| Noninterest expense to average assets | 3.7989% | 696 |
| Loan and lease loss provision to assets | 0.2658% | 681 |
| Net operating income to assets | 1.0368% | 2,105 |
| Return on assets (ROA) | 1.0378% | 2,132 |
| Pretax return on assets | 1.4744% | 1,739 |
| Return on Equity (ROE) | 11.1000% | 1,437 |
| Retained earnings to average equity (ytd only) | 5.4353% | 1,851 |
| Net charge-offs to loans | 0.3342% | 760 |
| Credit loss provision to net charge-offs | 116.0565% | 2,255 |
| Earnings coverage of net charge-offs (x) | 7.5909% | 3,022 |
| Efficiency ratio | 68.5303% | 2,789 |
| Assets per employee ($millions) | 3.6919% | 4,441 |
| Cash dividends to net income (ytd only)* | 51.0331% | 2,229 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9881% | 4,015 |
| Loan loss allowance to noncurrent loans | 185.8372% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.2034% | 1,229 |
| Noncurrent loans to loans | 0.5317% | 2,911 |
| Net loans and leases to total assets | 70.6428% | 2,425 |
| Net loans and leases to deposits | 89.3894% | 1,848 |
| Net loans and leases to core deposits | 93.9076% | 2,206 |
| Total domestic deposits to total assets | 79.0282% | 4,536 |
| Equity capital to assets | 9.6814% | 4,053 |
| Core capital (leverage) ratio | 9.5396% | 3,992 |
| Tier 1 risk-based capital ratio | 11.5498% | 4,813 |
| Total risk-based capital ratio | 12.3996% | 4,944 |
| Memoranda: |
| Average total assets | $2,718,924,800 | 326 |
| Average earning assets | $2,469,931,800 | 325 |
| Average equity | $254,207,600 | 366 |
| Average total loans | $1,863,474,800 | 329 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1779% | 2,690 |
| Cost of funding earning assets | 0.3668% | 3,492 |
| Net interest margin | 3.8112% | 2,357 |
| Noninterest income to average assets | 1.9865% | 313 |
| Noninterest expense to average assets | 3.7118% | 759 |
| Loan and lease loss provision to assets | 0.2476% | 698 |
| Net operating income to assets | 1.0271% | 2,429 |
| Return on assets (ROA) | 1.0281% | 2,468 |
| Pretax return on assets | 1.4905% | 1,804 |
| Return on Equity (ROE) | 11.0934% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.3912% | 2,613 |
| Net charge-offs to loans | 0.3625% | 580 |
| Credit loss provision to net charge-offs | 100.6765% | 2,265 |
| Earnings coverage of net charge-offs (x) | 7.0615% | 2,915 |
| Efficiency ratio | 68.0521% | 2,862 |
| Assets per employee ($millions) | 3.7082% | 4,437 |
| Cash dividends to net income (ytd only)* | 51.4016% | 1,693 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9497% | 4,322 |
| Loan loss allowance to noncurrent loans | 183.4588% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2184% | 1,346 |
| Noncurrent loans to loans | 0.5176% | 3,148 |
| Net loans and leases to total assets | 69.2014% | 2,670 |
| Net loans and leases to deposits | 88.3707% | 2,005 |
| Net loans and leases to core deposits | 92.9945% | 2,347 |
| Total domestic deposits to total assets | 78.3081% | 4,669 |
| Equity capital to assets | 9.4793% | 4,463 |
| Core capital (leverage) ratio | 9.4554% | 4,220 |
| Tier 1 risk-based capital ratio | 11.4025% | 5,011 |
| Total risk-based capital ratio | 12.2102% | 5,160 |
| Memoranda: |
| Average total assets | $2,724,879,000 | 327 |
| Average earning assets | $2,475,162,000 | 325 |
| Average equity | $252,528,500 | 368 |
| Average total loans | $1,848,618,500 | 331 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1468% | 2,685 |
| Cost of funding earning assets | 0.3501% | 3,583 |
| Net interest margin | 3.7967% | 2,297 |
| Noninterest income to average assets | 1.8857% | 346 |
| Noninterest expense to average assets | 3.6793% | 795 |
| Loan and lease loss provision to assets | 0.1995% | 925 |
| Net operating income to assets | 0.9938% | 2,451 |
| Return on assets (ROA) | 0.9938% | 2,505 |
| Pretax return on assets | 1.4437% | 1,843 |
| Return on Equity (ROE) | 10.8054% | 1,715 |
| Retained earnings to average equity (ytd only) | 5.0642% | 2,671 |
| Net charge-offs to loans | 0.4194% | 480 |
| Credit loss provision to net charge-offs | 70.8149% | 2,372 |
| Earnings coverage of net charge-offs (x) | 5.8334% | 2,774 |
| Efficiency ratio | 69.0462% | 2,843 |
| Assets per employee ($millions) | 3.7689% | 4,325 |
| Cash dividends to net income (ytd only)* | 53.1326% | 1,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9147% | 4,579 |
| Loan loss allowance to noncurrent loans | 199.5154% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 1,309 |
| Noncurrent loans to loans | 0.4585% | 3,372 |
| Net loans and leases to total assets | 66.9134% | 2,966 |
| Net loans and leases to deposits | 84.8494% | 2,370 |
| Net loans and leases to core deposits | 89.0322% | 2,612 |
| Total domestic deposits to total assets | 78.8614% | 4,650 |
| Equity capital to assets | 9.2885% | 4,634 |
| Core capital (leverage) ratio | 9.2253% | 4,462 |
| Tier 1 risk-based capital ratio | 11.4338% | 5,001 |
| Total risk-based capital ratio | 12.2036% | 5,176 |
| Memoranda: |
| Average total assets | $2,727,144,000 | 331 |
| Average earning assets | $2,468,623,670 | 328 |
| Average equity | $250,819,330 | 372 |
| Average total loans | $1,831,829,330 | 339 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0798% | 2,726 |
| Cost of funding earning assets | 0.3459% | 3,576 |
| Net interest margin | 3.7339% | 2,372 |
| Noninterest income to average assets | 2.0299% | 308 |
| Noninterest expense to average assets | 3.7271% | 750 |
| Loan and lease loss provision to assets | 0.1415% | 1,332 |
| Net operating income to assets | 1.0848% | 1,933 |
| Return on assets (ROA) | 1.0848% | 1,976 |
| Pretax return on assets | 1.5279% | 1,447 |
| Return on Equity (ROE) | 11.8542% | 1,286 |
| Retained earnings to average equity (ytd only) | 6.0787% | 2,291 |
| Net charge-offs to loans | 0.1455% | 1,078 |
| Credit loss provision to net charge-offs | 145.1807% | 1,236 |
| Earnings coverage of net charge-offs (x) | 17.1250% | 1,610 |
| Efficiency ratio | 68.9801% | 3,053 |
| Assets per employee ($millions) | 3.8626% | 4,241 |
| Cash dividends to net income (ytd only)* | 48.7211% | 1,720 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0009% | 4,279 |
| Loan loss allowance to noncurrent loans | 198.7402% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.5666% | 1,002 |
| Noncurrent loans to loans | 0.5036% | 3,297 |
| Net loans and leases to total assets | 65.3592% | 3,066 |
| Net loans and leases to deposits | 80.8953% | 2,632 |
| Net loans and leases to core deposits | 84.6947% | 2,835 |
| Total domestic deposits to total assets | 80.7948% | 4,463 |
| Equity capital to assets | 9.0736% | 4,738 |
| Core capital (leverage) ratio | 9.2063% | 4,474 |
| Tier 1 risk-based capital ratio | 11.2606% | 5,161 |
| Total risk-based capital ratio | 12.0911% | 5,313 |
| Memoranda: |
| Average total assets | $2,724,499,500 | 334 |
| Average earning assets | $2,456,518,500 | 333 |
| Average equity | $249,328,500 | 373 |
| Average total loans | $1,825,123,000 | 339 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0405% | 3,062 |
| Cost of funding earning assets | 0.3493% | 3,526 |
| Net interest margin | 3.6912% | 2,735 |
| Noninterest income to average assets | 2.1111% | 323 |
| Noninterest expense to average assets | 4.1351% | 510 |
| Loan and lease loss provision to assets | 0.3770% | 434 |
| Net operating income to assets | 0.6787% | 3,877 |
| Return on assets (ROA) | 0.6787% | 3,993 |
| Pretax return on assets | 0.9360% | 3,707 |
| Return on Equity (ROE) | 7.2640% | 3,328 |
| Retained earnings to average equity (ytd only) | 0.8859% | 4,968 |
| Net charge-offs to loans | 0.4635% | 542 |
| Credit loss provision to net charge-offs | 128.1366% | 2,092 |
| Earnings coverage of net charge-offs (x) | 4.4631% | 3,499 |
| Efficiency ratio | 75.8113% | 2,010 |
| Assets per employee ($millions) | 3.5210% | 4,731 |
| Cash dividends to net income (ytd only)* | 87.8049% | 653 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9880% | 4,401 |
| Loan loss allowance to noncurrent loans | 159.4190% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.7696% | 846 |
| Noncurrent loans to loans | 0.6198% | 2,990 |
| Net loans and leases to total assets | 67.3194% | 2,884 |
| Net loans and leases to deposits | 85.2880% | 2,267 |
| Net loans and leases to core deposits | 89.1268% | 2,580 |
| Total domestic deposits to total assets | 78.9318% | 4,812 |
| Equity capital to assets | 9.2317% | 4,536 |
| Core capital (leverage) ratio | 9.3049% | 4,345 |
| Tier 1 risk-based capital ratio | 11.2038% | 5,217 |
| Total risk-based capital ratio | 12.0285% | 5,348 |
| Memoranda: |
| Average total assets | $2,657,891,400 | 328 |
| Average earning assets | $2,402,796,000 | 329 |
| Average equity | $248,349,000 | 363 |
| Average total loans | $1,687,111,800 | 344 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0141% | 3,172 |
| Cost of funding earning assets | 0.3485% | 3,556 |
| Net interest margin | 3.6655% | 2,840 |
| Noninterest income to average assets | 2.1390% | 323 |
| Noninterest expense to average assets | 3.9766% | 608 |
| Loan and lease loss provision to assets | 0.3351% | 487 |
| Net operating income to assets | 0.8245% | 3,261 |
| Return on assets (ROA) | 0.8245% | 3,388 |
| Pretax return on assets | 1.1452% | 3,066 |
| Return on Equity (ROE) | 8.7975% | 2,603 |
| Retained earnings to average equity (ytd only) | 3.0051% | 4,112 |
| Net charge-offs to loans | 0.4288% | 498 |
| Credit loss provision to net charge-offs | 125.3479% | 2,018 |
| Earnings coverage of net charge-offs (x) | 5.5376% | 3,118 |
| Efficiency ratio | 72.7828% | 2,464 |
| Assets per employee ($millions) | 3.5108% | 4,766 |
| Cash dividends to net income (ytd only)* | 65.8416% | 1,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9760% | 4,536 |
| Loan loss allowance to noncurrent loans | 86.1838% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 2.0552% | 753 |
| Noncurrent loans to loans | 1.1325% | 1,988 |
| Net loans and leases to total assets | 65.0321% | 3,267 |
| Net loans and leases to deposits | 80.9245% | 2,863 |
| Net loans and leases to core deposits | 84.4342% | 3,085 |
| Total domestic deposits to total assets | 80.3615% | 4,424 |
| Equity capital to assets | 9.4077% | 4,757 |
| Core capital (leverage) ratio | 9.4471% | 4,257 |
| Tier 1 risk-based capital ratio | 11.6468% | 5,014 |
| Total risk-based capital ratio | 12.4524% | 5,159 |
| Memoranda: |
| Average total assets | $2,652,487,500 | 327 |
| Average earning assets | $2,400,891,250 | 329 |
| Average equity | $248,595,000 | 362 |
| Average total loans | $1,653,433,000 | 348 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9932% | 3,264 |
| Cost of funding earning assets | 0.3491% | 3,582 |
| Net interest margin | 3.6441% | 2,922 |
| Noninterest income to average assets | 1.9807% | 338 |
| Noninterest expense to average assets | 3.9019% | 677 |
| Loan and lease loss provision to assets | 0.2982% | 606 |
| Net operating income to assets | 0.7678% | 3,463 |
| Return on assets (ROA) | 0.7678% | 3,606 |
| Pretax return on assets | 1.0703% | 3,323 |
| Return on Equity (ROE) | 8.2030% | 2,884 |
| Retained earnings to average equity (ytd only) | 2.3864% | 4,361 |
| Net charge-offs to loans | 0.3968% | 574 |
| Credit loss provision to net charge-offs | 122.7895% | 1,830 |
| Earnings coverage of net charge-offs (x) | 5.6345% | 2,835 |
| Efficiency ratio | 73.9379% | 2,370 |
| Assets per employee ($millions) | 3.3554% | 4,989 |
| Cash dividends to net income (ytd only)* | 70.9080% | 1,148 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9836% | 4,598 |
| Loan loss allowance to noncurrent loans | 86.3470% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.1827% | 709 |
| Noncurrent loans to loans | 1.1391% | 2,023 |
| Net loans and leases to total assets | 63.2667% | 3,468 |
| Net loans and leases to deposits | 78.8375% | 3,071 |
| Net loans and leases to core deposits | 81.9614% | 3,273 |
| Total domestic deposits to total assets | 80.2495% | 4,487 |
| Equity capital to assets | 9.4820% | 4,784 |
| Core capital (leverage) ratio | 9.1390% | 4,678 |
| Tier 1 risk-based capital ratio | 11.7002% | 5,033 |
| Total risk-based capital ratio | 12.4888% | 5,208 |
| Memoranda: |
| Average total assets | $2,644,914,330 | 324 |
| Average earning assets | $2,387,690,330 | 329 |
| Average equity | $247,568,000 | 363 |
| Average total loans | $1,618,946,670 | 350 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9326% | 3,457 |
| Cost of funding earning assets | 0.3464% | 3,638 |
| Net interest margin | 3.5862% | 3,141 |
| Noninterest income to average assets | 1.9616% | 348 |
| Noninterest expense to average assets | 3.7703% | 815 |
| Loan and lease loss provision to assets | 0.2700% | 625 |
| Net operating income to assets | 0.8221% | 3,139 |
| Return on assets (ROA) | 0.8221% | 3,263 |
| Pretax return on assets | 1.1540% | 2,874 |
| Return on Equity (ROE) | 8.8406% | 2,497 |
| Retained earnings to average equity (ytd only) | 3.0020% | 4,010 |
| Net charge-offs to loans | 0.4408% | 516 |
| Credit loss provision to net charge-offs | 102.2857% | 1,592 |
| Earnings coverage of net charge-offs (x) | 5.3949% | 2,331 |
| Efficiency ratio | 72.4818% | 2,725 |
| Assets per employee ($millions) | 3.4437% | 4,895 |
| Cash dividends to net income (ytd only)* | 66.0429% | 1,281 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9843% | 4,697 |
| Loan loss allowance to noncurrent loans | 77.6699% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 2.0942% | 815 |
| Noncurrent loans to loans | 1.2673% | 1,910 |
| Net loans and leases to total assets | 58.2770% | 4,013 |
| Net loans and leases to deposits | 72.0756% | 3,645 |
| Net loans and leases to core deposits | 74.8180% | 3,810 |
| Total domestic deposits to total assets | 80.8554% | 4,536 |
| Equity capital to assets | 9.0703% | 5,106 |
| Core capital (leverage) ratio | 9.2164% | 4,580 |
| Tier 1 risk-based capital ratio | 11.7708% | 5,064 |
| Total risk-based capital ratio | 12.5345% | 5,256 |
| Memoranda: |
| Average total assets | $2,652,073,500 | 320 |
| Average earning assets | $2,390,601,500 | 324 |
| Average equity | $246,636,000 | 363 |
| Average total loans | $1,588,008,000 | 353 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9220% | 3,629 |
| Cost of funding earning assets | 0.3563% | 3,635 |
| Net interest margin | 3.5657% | 3,258 |
| Noninterest income to average assets | 2.1938% | 311 |
| Noninterest expense to average assets | 4.0933% | 605 |
| Loan and lease loss provision to assets | 0.0953% | 2,405 |
| Net operating income to assets | 0.8421% | 3,148 |
| Return on assets (ROA) | 0.8421% | 3,218 |
| Pretax return on assets | 1.2327% | 2,530 |
| Return on Equity (ROE) | 8.8463% | 2,528 |
| Retained earnings to average equity (ytd only) | 2.8959% | 3,994 |
| Net charge-offs to loans | 0.3176% | 946 |
| Credit loss provision to net charge-offs | 52.4221% | 3,370 |
| Earnings coverage of net charge-offs (x) | 7.3015% | 3,096 |
| Efficiency ratio | 75.3913% | 2,371 |
| Assets per employee ($millions) | 3.2448% | 5,238 |
| Cash dividends to net income (ytd only)* | 67.2646% | 1,378 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0085% | 4,555 |
| Loan loss allowance to noncurrent loans | 170.6816% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.8408% | 1,022 |
| Noncurrent loans to loans | 0.5909% | 3,396 |
| Net loans and leases to total assets | 60.3502% | 3,788 |
| Net loans and leases to deposits | 76.0109% | 3,251 |
| Net loans and leases to core deposits | 79.1607% | 3,428 |
| Total domestic deposits to total assets | 79.3968% | 4,890 |
| Equity capital to assets | 9.5439% | 4,496 |
| Core capital (leverage) ratio | 9.5551% | 4,096 |
| Tier 1 risk-based capital ratio | 12.2195% | 4,814 |
| Total risk-based capital ratio | 13.0156% | 5,014 |
| Memoranda: |
| Average total assets | $2,542,265,400 | 314 |
| Average earning assets | $2,301,165,800 | 316 |
| Average equity | $241,999,000 | 357 |
| Average total loans | $1,456,147,200 | 361 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8959% | 3,756 |
| Cost of funding earning assets | 0.3574% | 3,675 |
| Net interest margin | 3.5385% | 3,394 |
| Noninterest income to average assets | 2.1876% | 316 |
| Noninterest expense to average assets | 4.0944% | 601 |
| Loan and lease loss provision to assets | 0.0861% | 2,438 |
| Net operating income to assets | 0.8649% | 3,112 |
| Return on assets (ROA) | 0.8649% | 3,198 |
| Pretax return on assets | 1.2074% | 2,796 |
| Return on Equity (ROE) | 9.0922% | 2,532 |
| Retained earnings to average equity (ytd only) | 3.1218% | 4,231 |
| Net charge-offs to loans | 0.2919% | 912 |
| Credit loss provision to net charge-offs | 52.3825% | 3,010 |
| Earnings coverage of net charge-offs (x) | 7.8660% | 2,869 |
| Efficiency ratio | 75.8792% | 2,263 |
| Assets per employee ($millions) | 3.2926% | 5,136 |
| Cash dividends to net income (ytd only)* | 65.6655% | 1,183 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0832% | 4,324 |
| Loan loss allowance to noncurrent loans | 129.8341% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.8829% | 1,112 |
| Noncurrent loans to loans | 0.8343% | 2,886 |
| Net loans and leases to total assets | 58.7093% | 4,054 |
| Net loans and leases to deposits | 73.6514% | 3,580 |
| Net loans and leases to core deposits | 77.0999% | 3,684 |
| Total domestic deposits to total assets | 79.7124% | 4,803 |
| Equity capital to assets | 9.5298% | 4,718 |
| Core capital (leverage) ratio | 9.4226% | 4,396 |
| Tier 1 risk-based capital ratio | 12.3757% | 4,839 |
| Total risk-based capital ratio | 13.2230% | 5,018 |
| Memoranda: |
| Average total assets | $2,535,369,500 | 320 |
| Average earning assets | $2,293,094,500 | 322 |
| Average equity | $241,182,750 | 366 |
| Average total loans | $1,428,507,000 | 367 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8132% | 4,016 |
| Cost of funding earning assets | 0.3568% | 3,738 |
| Net interest margin | 3.4565% | 3,676 |
| Noninterest income to average assets | 2.1354% | 338 |
| Noninterest expense to average assets | 4.0140% | 668 |
| Loan and lease loss provision to assets | 0.0647% | 2,823 |
| Net operating income to assets | 0.8438% | 3,152 |
| Return on assets (ROA) | 0.8438% | 3,262 |
| Pretax return on assets | 1.1830% | 2,846 |
| Return on Equity (ROE) | 8.8752% | 2,619 |
| Retained earnings to average equity (ytd only) | 2.8751% | 4,207 |
| Net charge-offs to loans | 0.2765% | 953 |
| Credit loss provision to net charge-offs | 42.3097% | 2,784 |
| Earnings coverage of net charge-offs (x) | 8.1559% | 2,591 |
| Efficiency ratio | 76.1692% | 2,326 |
| Assets per employee ($millions) | 3.2756% | 5,202 |
| Cash dividends to net income (ytd only)* | 67.6056% | 1,279 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1627% | 4,011 |
| Loan loss allowance to noncurrent loans | 92.2228% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 2.0333% | 1,072 |
| Noncurrent loans to loans | 1.2607% | 2,141 |
| Net loans and leases to total assets | 55.9669% | 4,339 |
| Net loans and leases to deposits | 70.0575% | 3,927 |
| Net loans and leases to core deposits | 73.2487% | 4,021 |
| Total domestic deposits to total assets | 79.8871% | 4,894 |
| Equity capital to assets | 9.4247% | 4,744 |
| Core capital (leverage) ratio | 9.2817% | 4,578 |
| Tier 1 risk-based capital ratio | 12.6149% | 4,736 |
| Total risk-based capital ratio | 13.5064% | 4,868 |
| Memoranda: |
| Average total assets | $2,524,414,670 | 322 |
| Average earning assets | $2,283,304,000 | 324 |
| Average equity | $239,994,330 | 370 |
| Average total loans | $1,396,575,000 | 375 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7656% | 4,148 |
| Cost of funding earning assets | 0.3564% | 3,790 |
| Net interest margin | 3.4092% | 3,808 |
| Noninterest income to average assets | 2.0674% | 354 |
| Noninterest expense to average assets | 3.9022% | 766 |
| Loan and lease loss provision to assets | 0.0541% | 2,855 |
| Net operating income to assets | 0.8592% | 2,969 |
| Return on assets (ROA) | 0.8592% | 3,084 |
| Pretax return on assets | 1.1959% | 2,689 |
| Return on Equity (ROE) | 8.9976% | 2,449 |
| Retained earnings to average equity (ytd only) | 2.9758% | 4,190 |
| Net charge-offs to loans | 0.2376% | 1,002 |
| Credit loss provision to net charge-offs | 41.6974% | 2,176 |
| Earnings coverage of net charge-offs (x) | 9.6261% | 1,993 |
| Efficiency ratio | 75.6169% | 2,564 |
| Assets per employee ($millions) | 3.4282% | 5,033 |
| Cash dividends to net income (ytd only)* | 66.9269% | 1,246 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2709% | 3,576 |
| Loan loss allowance to noncurrent loans | 115.5916% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 2.0290% | 1,166 |
| Noncurrent loans to loans | 1.0995% | 2,569 |
| Net loans and leases to total assets | 52.3254% | 4,632 |
| Net loans and leases to deposits | 64.8066% | 4,288 |
| Net loans and leases to core deposits | 67.6423% | 4,369 |
| Total domestic deposits to total assets | 80.7408% | 4,872 |
| Equity capital to assets | 9.2510% | 5,025 |
| Core capital (leverage) ratio | 9.5552% | 4,196 |
| Tier 1 risk-based capital ratio | 13.0074% | 4,601 |
| Total risk-based capital ratio | 13.9683% | 4,695 |
| Memoranda: |
| Average total assets | $2,504,231,000 | 324 |
| Average earning assets | $2,265,959,500 | 323 |
| Average equity | $239,130,000 | 367 |
| Average total loans | $1,368,705,000 | 375 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9305% | 4,014 |
| Cost of funding earning assets | 0.4176% | 3,500 |
| Net interest margin | 3.5129% | 3,745 |
| Noninterest income to average assets | 2.3340% | 260 |
| Noninterest expense to average assets | 4.1135% | 673 |
| Loan and lease loss provision to assets | 0.1543% | 1,700 |
| Net operating income to assets | 0.8805% | 2,969 |
| Return on assets (ROA) | 0.8805% | 3,058 |
| Pretax return on assets | 1.2266% | 2,540 |
| Return on Equity (ROE) | 9.3630% | 2,411 |
| Retained earnings to average equity (ytd only) | 4.6318% | 2,874 |
| Net charge-offs to loans | 0.5172% | 792 |
| Credit loss provision to net charge-offs | 55.5292% | 3,369 |
| Earnings coverage of net charge-offs (x) | 4.9687% | 3,528 |
| Efficiency ratio | 74.7756% | 2,703 |
| Assets per employee ($millions) | 3.2001% | 5,436 |
| Cash dividends to net income (ytd only)* | 50.5310% | 2,242 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3251% | 3,294 |
| Loan loss allowance to noncurrent loans | 120.7811% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 2.1188% | 1,167 |
| Noncurrent loans to loans | 1.0971% | 2,637 |
| Net loans and leases to total assets | 55.6991% | 4,369 |
| Net loans and leases to deposits | 70.2345% | 3,879 |
| Net loans and leases to core deposits | 73.4781% | 3,968 |
| Total domestic deposits to total assets | 79.3045% | 5,184 |
| Equity capital to assets | 9.8713% | 4,270 |
| Core capital (leverage) ratio | 9.8023% | 3,832 |
| Tier 1 risk-based capital ratio | 14.7319% | 3,641 |
| Total risk-based capital ratio | 15.8625% | 3,645 |
| Memoranda: |
| Average total assets | $2,427,304,600 | 312 |
| Average earning assets | $2,183,748,800 | 312 |
| Average equity | $228,270,400 | 363 |
| Average total loans | $1,304,304,600 | 365 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9092% | 4,142 |
| Cost of funding earning assets | 0.4315% | 3,448 |
| Net interest margin | 3.4776% | 3,910 |
| Noninterest income to average assets | 2.3190% | 275 |
| Noninterest expense to average assets | 4.0601% | 713 |
| Loan and lease loss provision to assets | 0.1734% | 1,419 |
| Net operating income to assets | 0.8785% | 3,030 |
| Return on assets (ROA) | 0.8785% | 3,124 |
| Pretax return on assets | 1.2144% | 2,718 |
| Return on Equity (ROE) | 9.4573% | 2,469 |
| Retained earnings to average equity (ytd only) | 4.6776% | 3,302 |
| Net charge-offs to loans | 0.4068% | 972 |
| Credit loss provision to net charge-offs | 80.3200% | 2,586 |
| Earnings coverage of net charge-offs (x) | 6.4294% | 3,089 |
| Efficiency ratio | 74.4456% | 2,749 |
| Assets per employee ($millions) | 3.2212% | 5,385 |
| Cash dividends to net income (ytd only)* | 50.5397% | 1,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5145% | 2,634 |
| Loan loss allowance to noncurrent loans | 102.5921% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 2.2855% | 1,196 |
| Noncurrent loans to loans | 1.4762% | 2,202 |
| Net loans and leases to total assets | 54.2956% | 4,545 |
| Net loans and leases to deposits | 68.2831% | 4,099 |
| Net loans and leases to core deposits | 71.7237% | 4,179 |
| Total domestic deposits to total assets | 79.5154% | 5,215 |
| Equity capital to assets | 9.6263% | 4,639 |
| Core capital (leverage) ratio | 9.6151% | 4,214 |
| Tier 1 risk-based capital ratio | 14.5530% | 3,855 |
| Total risk-based capital ratio | 15.8033% | 3,797 |
| Memoranda: |
| Average total assets | $2,432,508,500 | 308 |
| Average earning assets | $2,188,511,500 | 309 |
| Average equity | $225,950,250 | 360 |
| Average total loans | $1,290,782,750 | 367 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8821% | 4,215 |
| Cost of funding earning assets | 0.4551% | 3,266 |
| Net interest margin | 3.4270% | 4,074 |
| Noninterest income to average assets | 2.1442% | 314 |
| Noninterest expense to average assets | 3.9887% | 776 |
| Loan and lease loss provision to assets | 0.0889% | 2,546 |
| Net operating income to assets | 0.8330% | 3,163 |
| Return on assets (ROA) | 0.8330% | 3,256 |
| Pretax return on assets | 1.1491% | 2,887 |
| Return on Equity (ROE) | 9.0767% | 2,554 |
| Retained earnings to average equity (ytd only) | 4.2453% | 3,471 |
| Net charge-offs to loans | 0.3209% | 1,264 |
| Credit loss provision to net charge-offs | 52.9067% | 2,754 |
| Earnings coverage of net charge-offs (x) | 7.3659% | 2,642 |
| Efficiency ratio | 76.2559% | 2,576 |
| Assets per employee ($millions) | 3.2426% | 5,352 |
| Cash dividends to net income (ytd only)* | 53.2282% | 1,792 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5360% | 2,740 |
| Loan loss allowance to noncurrent loans | 102.0735% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 2.3621% | 1,234 |
| Noncurrent loans to loans | 1.5048% | 2,314 |
| Net loans and leases to total assets | 52.6020% | 4,684 |
| Net loans and leases to deposits | 67.0757% | 4,154 |
| Net loans and leases to core deposits | 71.5245% | 4,097 |
| Total domestic deposits to total assets | 78.4219% | 5,564 |
| Equity capital to assets | 9.4209% | 4,820 |
| Core capital (leverage) ratio | 9.3743% | 4,496 |
| Tier 1 risk-based capital ratio | 14.5964% | 3,872 |
| Total risk-based capital ratio | 15.8468% | 3,821 |
| Memoranda: |
| Average total assets | $2,435,908,000 | 307 |
| Average earning assets | $2,191,027,000 | 305 |
| Average equity | $223,540,330 | 360 |
| Average total loans | $1,275,899,670 | 365 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8389% | 4,325 |
| Cost of funding earning assets | 0.4594% | 3,315 |
| Net interest margin | 3.3794% | 4,223 |
| Noninterest income to average assets | 2.0743% | 318 |
| Noninterest expense to average assets | 3.9442% | 809 |
| Loan and lease loss provision to assets | 0.0717% | 2,708 |
| Net operating income to assets | 0.7947% | 3,182 |
| Return on assets (ROA) | 0.7947% | 3,257 |
| Pretax return on assets | 1.0961% | 2,924 |
| Return on Equity (ROE) | 8.7773% | 2,560 |
| Retained earnings to average equity (ytd only) | 3.8748% | 3,795 |
| Net charge-offs to loans | 0.3690% | 976 |
| Credit loss provision to net charge-offs | 37.4570% | 2,324 |
| Earnings coverage of net charge-offs (x) | 6.1022% | 2,280 |
| Efficiency ratio | 77.1113% | 2,629 |
| Assets per employee ($millions) | 3.2902% | 5,361 |
| Cash dividends to net income (ytd only)* | 55.8544% | 1,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6100% | 2,653 |
| Loan loss allowance to noncurrent loans | 117.0642% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 2.2101% | 1,497 |
| Noncurrent loans to loans | 1.3753% | 2,729 |
| Net loans and leases to total assets | 49.9376% | 4,920 |
| Net loans and leases to deposits | 62.2477% | 4,521 |
| Net loans and leases to core deposits | 66.3590% | 4,463 |
| Total domestic deposits to total assets | 80.2241% | 5,445 |
| Equity capital to assets | 9.0106% | 5,106 |
| Core capital (leverage) ratio | 9.3932% | 4,429 |
| Tier 1 risk-based capital ratio | 14.8384% | 3,791 |
| Total risk-based capital ratio | 16.0893% | 3,747 |
| Memoranda: |
| Average total assets | $2,433,018,000 | 306 |
| Average earning assets | $2,186,994,000 | 307 |
| Average equity | $220,295,500 | 363 |
| Average total loans | $1,261,643,000 | 368 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0181% | 4,030 |
| Cost of funding earning assets | 0.5057% | 3,549 |
| Net interest margin | 3.5124% | 3,841 |
| Noninterest income to average assets | 2.3428% | 309 |
| Noninterest expense to average assets | 4.1638% | 722 |
| Loan and lease loss provision to assets | 0.2135% | 1,716 |
| Net operating income to assets | 0.8509% | 3,025 |
| Return on assets (ROA) | 0.8509% | 3,105 |
| Pretax return on assets | 1.1040% | 2,934 |
| Return on Equity (ROE) | 9.1892% | 2,457 |
| Retained earnings to average equity (ytd only) | 4.2451% | 3,158 |
| Net charge-offs to loans | 0.6475% | 1,000 |
| Credit loss provision to net charge-offs | 62.6680% | 3,486 |
| Earnings coverage of net charge-offs (x) | 3.8675% | 3,731 |
| Efficiency ratio | 75.9209% | 2,785 |
| Assets per employee ($millions) | 3.1803% | 5,531 |
| Cash dividends to net income (ytd only)* | 53.8036% | 2,084 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6612% | 2,532 |
| Loan loss allowance to noncurrent loans | 111.3527% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 2.3696% | 1,466 |
| Noncurrent loans to loans | 1.4918% | 2,653 |
| Net loans and leases to total assets | 52.1190% | 4,833 |
| Net loans and leases to deposits | 65.7505% | 4,327 |
| Net loans and leases to core deposits | 70.5424% | 4,238 |
| Total domestic deposits to total assets | 79.2679% | 5,608 |
| Equity capital to assets | 9.1000% | 4,924 |
| Core capital (leverage) ratio | 9.5252% | 4,228 |
| Tier 1 risk-based capital ratio | 14.8324% | 3,762 |
| Total risk-based capital ratio | 16.0841% | 3,712 |
| Memoranda: |
| Average total assets | $2,358,899,200 | 309 |
| Average earning assets | $2,107,775,400 | 310 |
| Average equity | $218,440,600 | 352 |
| Average total loans | $1,240,989,200 | 359 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0397% | 3,979 |
| Cost of funding earning assets | 0.5146% | 3,625 |
| Net interest margin | 3.5251% | 3,775 |
| Noninterest income to average assets | 2.3181% | 330 |
| Noninterest expense to average assets | 4.1571% | 714 |
| Loan and lease loss provision to assets | 0.2254% | 1,608 |
| Net operating income to assets | 0.8331% | 3,172 |
| Return on assets (ROA) | 0.8331% | 3,305 |
| Pretax return on assets | 1.0832% | 3,178 |
| Return on Equity (ROE) | 8.9577% | 2,655 |
| Retained earnings to average equity (ytd only) | 4.0215% | 3,833 |
| Net charge-offs to loans | 0.6728% | 895 |
| Credit loss provision to net charge-offs | 63.7895% | 3,209 |
| Earnings coverage of net charge-offs (x) | 3.7038% | 3,627 |
| Efficiency ratio | 76.0166% | 2,729 |
| Assets per employee ($millions) | 3.2218% | 5,450 |
| Cash dividends to net income (ytd only)* | 55.1058% | 1,647 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7577% | 2,429 |
| Loan loss allowance to noncurrent loans | 109.0531% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 2.3251% | 1,697 |
| Noncurrent loans to loans | 1.6118% | 2,756 |
| Net loans and leases to total assets | 50.7681% | 5,036 |
| Net loans and leases to deposits | 63.5123% | 4,569 |
| Net loans and leases to core deposits | 68.5257% | 4,481 |
| Total domestic deposits to total assets | 79.9342% | 5,524 |
| Equity capital to assets | 9.0874% | 5,073 |
| Core capital (leverage) ratio | 9.4220% | 4,511 |
| Tier 1 risk-based capital ratio | 14.8747% | 3,830 |
| Total risk-based capital ratio | 16.1272% | 3,787 |
| Memoranda: |
| Average total assets | $2,352,316,000 | 311 |
| Average earning assets | $2,100,367,500 | 313 |
| Average equity | $218,786,750 | 351 |
| Average total loans | $1,235,196,750 | 362 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0631% | 3,867 |
| Cost of funding earning assets | 0.5230% | 3,677 |
| Net interest margin | 3.5401% | 3,609 |
| Noninterest income to average assets | 2.3600% | 352 |
| Noninterest expense to average assets | 4.1966% | 697 |
| Loan and lease loss provision to assets | 0.2518% | 1,471 |
| Net operating income to assets | 0.8263% | 3,165 |
| Return on assets (ROA) | 0.8263% | 3,319 |
| Pretax return on assets | 1.0743% | 3,195 |
| Return on Equity (ROE) | 8.8146% | 2,699 |
| Retained earnings to average equity (ytd only) | 3.8877% | 3,826 |
| Net charge-offs to loans | 0.6470% | 1,017 |
| Credit loss provision to net charge-offs | 73.7106% | 2,751 |
| Earnings coverage of net charge-offs (x) | 3.8821% | 3,278 |
| Efficiency ratio | 75.9470% | 2,798 |
| Assets per employee ($millions) | 3.2003% | 5,478 |
| Cash dividends to net income (ytd only)* | 55.8948% | 1,634 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8558% | 2,245 |
| Loan loss allowance to noncurrent loans | 110.9392% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 2.5467% | 1,652 |
| Noncurrent loans to loans | 1.6728% | 2,804 |
| Net loans and leases to total assets | 50.7692% | 5,024 |
| Net loans and leases to deposits | 64.0597% | 4,492 |
| Net loans and leases to core deposits | 68.5387% | 4,446 |
| Total domestic deposits to total assets | 79.2529% | 5,764 |
| Equity capital to assets | 9.0410% | 5,177 |
| Core capital (leverage) ratio | 9.3300% | 4,493 |
| Tier 1 risk-based capital ratio | 14.9832% | 3,787 |
| Total risk-based capital ratio | 16.2370% | 3,754 |
| Memoranda: |
| Average total assets | $2,338,493,000 | 315 |
| Average earning assets | $2,089,177,330 | 312 |
| Average equity | $219,204,670 | 349 |
| Average total loans | $1,234,588,670 | 358 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1270% | 3,613 |
| Cost of funding earning assets | 0.5288% | 3,793 |
| Net interest margin | 3.5982% | 3,274 |
| Noninterest income to average assets | 2.2465% | 367 |
| Noninterest expense to average assets | 4.2141% | 700 |
| Loan and lease loss provision to assets | 0.1879% | 1,960 |
| Net operating income to assets | 0.8005% | 3,166 |
| Return on assets (ROA) | 0.8005% | 3,295 |
| Pretax return on assets | 1.0531% | 3,131 |
| Return on Equity (ROE) | 8.3864% | 2,780 |
| Retained earnings to average equity (ytd only) | 3.4937% | 4,151 |
| Net charge-offs to loans | 0.6761% | 908 |
| Credit loss provision to net charge-offs | 52.0863% | 2,574 |
| Earnings coverage of net charge-offs (x) | 3.4408% | 2,767 |
| Efficiency ratio | 77.2070% | 2,728 |
| Assets per employee ($millions) | 3.1714% | 5,690 |
| Cash dividends to net income (ytd only)* | 58.3405% | 1,344 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8849% | 2,352 |
| Loan loss allowance to noncurrent loans | 94.5221% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 2.6526% | 1,713 |
| Noncurrent loans to loans | 1.9941% | 2,620 |
| Net loans and leases to total assets | 50.2694% | 4,954 |
| Net loans and leases to deposits | 62.4658% | 4,477 |
| Net loans and leases to core deposits | 66.5409% | 4,460 |
| Total domestic deposits to total assets | 80.4751% | 5,639 |
| Equity capital to assets | 9.3005% | 5,128 |
| Core capital (leverage) ratio | 9.4471% | 4,170 |
| Tier 1 risk-based capital ratio | 14.9692% | 3,856 |
| Total risk-based capital ratio | 16.2232% | 3,813 |
| Memoranda: |
| Average total assets | $2,312,417,000 | 321 |
| Average earning assets | $2,062,032,000 | 318 |
| Average equity | $220,738,000 | 353 |
| Average total loans | $1,233,552,500 | 360 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7482% | 2,402 |
| Cost of funding earning assets | 0.6295% | 4,104 |
| Net interest margin | 4.1187% | 1,927 |
| Noninterest income to average assets | 2.3809% | 336 |
| Noninterest expense to average assets | 4.2654% | 708 |
| Loan and lease loss provision to assets | 0.5489% | 1,045 |
| Net operating income to assets | 0.8498% | 3,048 |
| Return on assets (ROA) | 0.8498% | 3,297 |
| Pretax return on assets | 1.1038% | 3,144 |
| Return on Equity (ROE) | 8.8321% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.8299% | 3,504 |
| Net charge-offs to loans | 1.2485% | 792 |
| Credit loss provision to net charge-offs | 77.8719% | 3,898 |
| Earnings coverage of net charge-offs (x) | 2.3447% | 4,240 |
| Efficiency ratio | 72.0324% | 3,410 |
| Assets per employee ($millions) | 2.9908% | 6,027 |
| Cash dividends to net income (ytd only)* | 56.6364% | 1,972 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9249% | 2,212 |
| Loan loss allowance to noncurrent loans | 110.1170% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 2.6529% | 1,823 |
| Noncurrent loans to loans | 1.7480% | 2,990 |
| Net loans and leases to total assets | 54.5147% | 4,542 |
| Net loans and leases to deposits | 69.1916% | 3,811 |
| Net loans and leases to core deposits | 73.8553% | 3,801 |
| Total domestic deposits to total assets | 78.7880% | 5,937 |
| Equity capital to assets | 9.8062% | 4,442 |
| Core capital (leverage) ratio | 9.6678% | 3,863 |
| Tier 1 risk-based capital ratio | 14.9464% | 3,746 |
| Total risk-based capital ratio | 16.2015% | 3,699 |
| Memoranda: |
| Average total assets | $2,243,988,200 | 319 |
| Average earning assets | $1,927,149,600 | 335 |
| Average equity | $215,904,600 | 348 |
| Average total loans | $1,266,923,800 | 346 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8175% | 2,324 |
| Cost of funding earning assets | 0.6572% | 4,133 |
| Net interest margin | 4.1603% | 1,863 |
| Noninterest income to average assets | 2.2758% | 352 |
| Noninterest expense to average assets | 4.1459% | 778 |
| Loan and lease loss provision to assets | 0.5851% | 965 |
| Net operating income to assets | 0.8459% | 3,231 |
| Return on assets (ROA) | 0.8459% | 3,481 |
| Pretax return on assets | 1.0935% | 3,374 |
| Return on Equity (ROE) | 8.8347% | 2,882 |
| Retained earnings to average equity (ytd only) | 3.8090% | 4,209 |
| Net charge-offs to loans | 1.2436% | 771 |
| Credit loss provision to net charge-offs | 83.0074% | 3,533 |
| Earnings coverage of net charge-offs (x) | 2.3815% | 4,087 |
| Efficiency ratio | 71.1384% | 3,481 |
| Assets per employee ($millions) | 2.9798% | 6,082 |
| Cash dividends to net income (ytd only)* | 56.8860% | 1,401 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0500% | 2,034 |
| Loan loss allowance to noncurrent loans | 77.4401% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 3.1002% | 1,677 |
| Noncurrent loans to loans | 2.6472% | 2,141 |
| Net loans and leases to total assets | 54.1234% | 4,731 |
| Net loans and leases to deposits | 68.4113% | 4,112 |
| Net loans and leases to core deposits | 73.1472% | 4,092 |
| Total domestic deposits to total assets | 79.1147% | 5,841 |
| Equity capital to assets | 9.6976% | 4,926 |
| Core capital (leverage) ratio | 9.4833% | 4,294 |
| Tier 1 risk-based capital ratio | 14.7613% | 4,007 |
| Total risk-based capital ratio | 16.0176% | 3,959 |
| Memoranda: |
| Average total assets | $2,244,210,750 | 322 |
| Average earning assets | $1,914,282,500 | 334 |
| Average equity | $214,890,000 | 346 |
| Average total loans | $1,271,950,000 | 345 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8356% | 2,356 |
| Cost of funding earning assets | 0.6835% | 4,155 |
| Net interest margin | 4.1520% | 1,895 |
| Noninterest income to average assets | 2.2415% | 337 |
| Noninterest expense to average assets | 4.2106% | 720 |
| Loan and lease loss provision to assets | 0.4536% | 1,409 |
| Net operating income to assets | 0.8674% | 3,054 |
| Return on assets (ROA) | 0.8674% | 3,320 |
| Pretax return on assets | 1.1269% | 3,201 |
| Return on Equity (ROE) | 9.0974% | 2,775 |
| Retained earnings to average equity (ytd only) | 4.0459% | 3,916 |
| Net charge-offs to loans | 1.2883% | 831 |
| Credit loss provision to net charge-offs | 61.6111% | 3,753 |
| Earnings coverage of net charge-offs (x) | 2.1467% | 3,912 |
| Efficiency ratio | 72.6659% | 3,309 |
| Assets per employee ($millions) | 3.0544% | 5,943 |
| Cash dividends to net income (ytd only)* | 55.5270% | 1,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9430% | 2,398 |
| Loan loss allowance to noncurrent loans | 62.1624% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 3.0958% | 1,765 |
| Noncurrent loans to loans | 3.1257% | 1,873 |
| Net loans and leases to total assets | 53.9603% | 4,814 |
| Net loans and leases to deposits | 67.6762% | 4,254 |
| Net loans and leases to core deposits | 73.0841% | 4,155 |
| Total domestic deposits to total assets | 79.7331% | 5,809 |
| Equity capital to assets | 9.5031% | 5,056 |
| Core capital (leverage) ratio | 9.3811% | 4,321 |
| Tier 1 risk-based capital ratio | 14.5792% | 4,041 |
| Total risk-based capital ratio | 15.8344% | 4,003 |
| Memoranda: |
| Average total assets | $2,242,368,670 | 322 |
| Average earning assets | $1,917,081,000 | 334 |
| Average equity | $213,796,330 | 344 |
| Average total loans | $1,281,560,330 | 344 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8927% | 2,273 |
| Cost of funding earning assets | 0.6993% | 4,284 |
| Net interest margin | 4.1933% | 1,777 |
| Noninterest income to average assets | 2.3691% | 322 |
| Noninterest expense to average assets | 4.3045% | 657 |
| Loan and lease loss provision to assets | 0.4895% | 1,241 |
| Net operating income to assets | 0.8986% | 2,925 |
| Return on assets (ROA) | 0.8986% | 3,146 |
| Pretax return on assets | 1.1559% | 3,085 |
| Return on Equity (ROE) | 9.4086% | 2,633 |
| Retained earnings to average equity (ytd only) | 4.3280% | 3,994 |
| Net charge-offs to loans | 0.6505% | 1,502 |
| Credit loss provision to net charge-offs | 129.2220% | 1,878 |
| Earnings coverage of net charge-offs (x) | 4.3435% | 2,591 |
| Efficiency ratio | 72.3028% | 3,378 |
| Assets per employee ($millions) | 3.0207% | 6,111 |
| Cash dividends to net income (ytd only)* | 54.0000% | 1,352 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2127% | 1,858 |
| Loan loss allowance to noncurrent loans | 72.3874% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 2.9970% | 1,933 |
| Noncurrent loans to loans | 3.0567% | 2,105 |
| Net loans and leases to total assets | 54.6285% | 4,616 |
| Net loans and leases to deposits | 68.5021% | 3,974 |
| Net loans and leases to core deposits | 74.5642% | 3,824 |
| Total domestic deposits to total assets | 79.7472% | 5,912 |
| Equity capital to assets | 9.3709% | 5,002 |
| Core capital (leverage) ratio | 9.4524% | 4,113 |
| Tier 1 risk-based capital ratio | 14.4030% | 4,176 |
| Total risk-based capital ratio | 15.6613% | 4,140 |
| Memoranda: |
| Average total assets | $2,225,782,000 | 318 |
| Average earning assets | $1,900,643,500 | 330 |
| Average equity | $212,571,000 | 341 |
| Average total loans | $1,296,230,500 | 341 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3144% | 1,658 |
| Cost of funding earning assets | 0.8012% | 4,860 |
| Net interest margin | 4.5132% | 1,106 |
| Noninterest income to average assets | 2.1466% | 338 |
| Noninterest expense to average assets | 4.2158% | 793 |
| Loan and lease loss provision to assets | 0.7170% | 1,425 |
| Net operating income to assets | 0.8644% | 2,757 |
| Return on assets (ROA) | 0.8644% | 2,900 |
| Pretax return on assets | 1.1500% | 2,651 |
| Return on Equity (ROE) | 9.1822% | 2,370 |
| Retained earnings to average equity (ytd only) | 3.9755% | 3,366 |
| Net charge-offs to loans | 1.2293% | 1,362 |
| Credit loss provision to net charge-offs | 91.3285% | 3,952 |
| Earnings coverage of net charge-offs (x) | 2.3781% | 4,028 |
| Efficiency ratio | 69.2668% | 4,096 |
| Assets per employee ($millions) | 2.8758% | 6,326 |
| Cash dividends to net income (ytd only)* | 56.7048% | 1,719 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0805% | 2,063 |
| Loan loss allowance to noncurrent loans | 104.7021% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 2.5235% | 2,405 |
| Noncurrent loans to loans | 1.9871% | 3,227 |
| Net loans and leases to total assets | 59.4527% | 4,098 |
| Net loans and leases to deposits | 76.2963% | 3,133 |
| Net loans and leases to core deposits | 82.6589% | 3,081 |
| Total domestic deposits to total assets | 77.9234% | 6,208 |
| Equity capital to assets | 9.7380% | 4,532 |
| Core capital (leverage) ratio | 9.5981% | 3,871 |
| Tier 1 risk-based capital ratio | 14.2367% | 4,154 |
| Total risk-based capital ratio | 15.4945% | 4,108 |
| Memoranda: |
| Average total assets | $2,203,465,400 | 315 |
| Average earning assets | $1,921,721,200 | 323 |
| Average equity | $207,422,400 | 341 |
| Average total loans | $1,407,177,200 | 316 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3471% | 1,687 |
| Cost of funding earning assets | 0.8259% | 4,971 |
| Net interest margin | 4.5212% | 1,097 |
| Noninterest income to average assets | 1.9228% | 407 |
| Noninterest expense to average assets | 4.1112% | 883 |
| Loan and lease loss provision to assets | 0.6093% | 1,616 |
| Net operating income to assets | 0.8757% | 2,837 |
| Return on assets (ROA) | 0.8757% | 2,985 |
| Pretax return on assets | 1.1677% | 2,754 |
| Return on Equity (ROE) | 9.3825% | 2,434 |
| Retained earnings to average equity (ytd only) | 4.1470% | 3,779 |
| Net charge-offs to loans | 1.0476% | 1,522 |
| Credit loss provision to net charge-offs | 89.9857% | 3,771 |
| Earnings coverage of net charge-offs (x) | 2.6244% | 3,805 |
| Efficiency ratio | 69.7786% | 3,991 |
| Assets per employee ($millions) | 2.9151% | 6,285 |
| Cash dividends to net income (ytd only)* | 55.8005% | 1,364 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0140% | 2,295 |
| Loan loss allowance to noncurrent loans | 147.4453% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 2.1743% | 2,933 |
| Noncurrent loans to loans | 1.3659% | 4,256 |
| Net loans and leases to total assets | 62.0341% | 3,713 |
| Net loans and leases to deposits | 79.4022% | 2,741 |
| Net loans and leases to core deposits | 85.1847% | 2,884 |
| Total domestic deposits to total assets | 78.1264% | 6,170 |
| Equity capital to assets | 9.6105% | 4,917 |
| Core capital (leverage) ratio | 9.4438% | 4,235 |
| Tier 1 risk-based capital ratio | 13.6715% | 4,602 |
| Total risk-based capital ratio | 14.9289% | 4,563 |
| Memoranda: |
| Average total assets | $2,210,080,250 | 315 |
| Average earning assets | $1,938,371,250 | 319 |
| Average equity | $206,279,000 | 345 |
| Average total loans | $1,428,524,500 | 315 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3259% | 1,797 |
| Cost of funding earning assets | 0.8618% | 4,972 |
| Net interest margin | 4.4641% | 1,216 |
| Noninterest income to average assets | 1.7648% | 439 |
| Noninterest expense to average assets | 4.0171% | 1,023 |
| Loan and lease loss provision to assets | 0.5764% | 1,683 |
| Net operating income to assets | 0.8417% | 2,895 |
| Return on assets (ROA) | 0.8417% | 2,994 |
| Pretax return on assets | 1.1158% | 2,790 |
| Return on Equity (ROE) | 9.1063% | 2,464 |
| Retained earnings to average equity (ytd only) | 3.8380% | 3,761 |
| Net charge-offs to loans | 0.7954% | 1,912 |
| Credit loss provision to net charge-offs | 111.3589% | 2,753 |
| Earnings coverage of net charge-offs (x) | 3.2693% | 3,232 |
| Efficiency ratio | 70.3187% | 4,046 |
| Assets per employee ($millions) | 2.9414% | 6,214 |
| Cash dividends to net income (ytd only)* | 57.8530% | 1,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1177% | 2,082 |
| Loan loss allowance to noncurrent loans | 85.3025% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 2.7095% | 2,468 |
| Noncurrent loans to loans | 2.4826% | 2,903 |
| Net loans and leases to total assets | 62.4594% | 3,798 |
| Net loans and leases to deposits | 79.8340% | 2,829 |
| Net loans and leases to core deposits | 86.6700% | 2,800 |
| Total domestic deposits to total assets | 78.2366% | 6,242 |
| Equity capital to assets | 9.4531% | 4,883 |
| Core capital (leverage) ratio | 9.2117% | 4,383 |
| Tier 1 risk-based capital ratio | 13.3085% | 4,683 |
| Total risk-based capital ratio | 14.5671% | 4,656 |
| Memoranda: |
| Average total assets | $2,218,006,330 | 320 |
| Average earning assets | $1,959,822,330 | 323 |
| Average equity | $205,000,330 | 349 |
| Average total loans | $1,443,323,330 | 316 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3891% | 1,597 |
| Cost of funding earning assets | 0.8594% | 5,214 |
| Net interest margin | 4.5296% | 1,005 |
| Noninterest income to average assets | 1.8679% | 404 |
| Noninterest expense to average assets | 4.1439% | 876 |
| Loan and lease loss provision to assets | 0.5469% | 1,583 |
| Net operating income to assets | 0.8890% | 2,620 |
| Return on assets (ROA) | 0.8890% | 2,685 |
| Pretax return on assets | 1.1924% | 2,399 |
| Return on Equity (ROE) | 9.7278% | 2,195 |
| Retained earnings to average equity (ytd only) | 4.4282% | 3,521 |
| Net charge-offs to loans | 0.4727% | 2,288 |
| Credit loss provision to net charge-offs | 176.1410% | 1,661 |
| Earnings coverage of net charge-offs (x) | 5.6014% | 2,248 |
| Efficiency ratio | 70.3936% | 4,180 |
| Assets per employee ($millions) | 2.9239% | 6,298 |
| Cash dividends to net income (ytd only)* | 54.4794% | 1,373 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1111% | 2,163 |
| Loan loss allowance to noncurrent loans | 84.8436% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 2.5982% | 2,641 |
| Noncurrent loans to loans | 2.4883% | 3,004 |
| Net loans and leases to total assets | 63.0123% | 3,653 |
| Net loans and leases to deposits | 79.6559% | 2,773 |
| Net loans and leases to core deposits | 86.3372% | 2,826 |
| Total domestic deposits to total assets | 79.1056% | 6,165 |
| Equity capital to assets | 9.1680% | 4,924 |
| Core capital (leverage) ratio | 9.0475% | 4,539 |
| Tier 1 risk-based capital ratio | 12.9480% | 4,861 |
| Total risk-based capital ratio | 14.2066% | 4,846 |
| Memoranda: |
| Average total assets | $2,229,864,000 | 323 |
| Average earning assets | $1,976,665,500 | 319 |
| Average equity | $203,786,500 | 346 |
| Average total loans | $1,464,888,500 | 314 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7155% | 1,513 |
| Cost of funding earning assets | 1.0470% | 5,446 |
| Net interest margin | 4.6685% | 873 |
| Noninterest income to average assets | 1.8314% | 461 |
| Noninterest expense to average assets | 4.1766% | 922 |
| Loan and lease loss provision to assets | 1.1190% | 1,427 |
| Net operating income to assets | 0.5396% | 3,928 |
| Return on assets (ROA) | 0.5396% | 4,078 |
| Pretax return on assets | 0.6948% | 3,995 |
| Return on Equity (ROE) | 5.9491% | 3,631 |
| Retained earnings to average equity (ytd only) | 0.5989% | 5,283 |
| Net charge-offs to loans | 1.0258% | 2,145 |
| Credit loss provision to net charge-offs | 161.6803% | 2,152 |
| Earnings coverage of net charge-offs (x) | 2.6207% | 3,791 |
| Efficiency ratio | 69.6811% | 4,243 |
| Assets per employee ($millions) | 2.9211% | 6,268 |
| Cash dividends to net income (ytd only)* | 89.9326% | 574 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9415% | 2,440 |
| Loan loss allowance to noncurrent loans | 113.8058% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 2.0225% | 3,324 |
| Noncurrent loans to loans | 1.7060% | 3,943 |
| Net loans and leases to total assets | 65.7170% | 3,516 |
| Net loans and leases to deposits | 85.4660% | 2,193 |
| Net loans and leases to core deposits | 94.1467% | 2,239 |
| Total domestic deposits to total assets | 76.8926% | 6,498 |
| Equity capital to assets | 9.1099% | 4,980 |
| Core capital (leverage) ratio | 9.0274% | 4,491 |
| Tier 1 risk-based capital ratio | 12.6487% | 4,895 |
| Total risk-based capital ratio | 13.9060% | 4,870 |
| Memoranda: |
| Average total assets | $2,225,457,800 | 317 |
| Average earning assets | $1,982,583,800 | 320 |
| Average equity | $201,863,200 | 350 |
| Average total loans | $1,501,530,000 | 313 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7675% | 1,490 |
| Cost of funding earning assets | 1.0971% | 5,435 |
| Net interest margin | 4.6704% | 907 |
| Noninterest income to average assets | 1.8345% | 436 |
| Noninterest expense to average assets | 4.0994% | 934 |
| Loan and lease loss provision to assets | 0.9176% | 1,647 |
| Net operating income to assets | 0.7329% | 3,269 |
| Return on assets (ROA) | 0.7329% | 3,429 |
| Pretax return on assets | 0.9772% | 3,265 |
| Return on Equity (ROE) | 8.0883% | 2,863 |
| Retained earnings to average equity (ytd only) | 2.7305% | 4,518 |
| Net charge-offs to loans | 1.0198% | 1,976 |
| Credit loss provision to net charge-offs | 133.1391% | 3,037 |
| Earnings coverage of net charge-offs (x) | 2.7491% | 3,771 |
| Efficiency ratio | 68.3484% | 4,397 |
| Assets per employee ($millions) | 3.0261% | 6,096 |
| Cash dividends to net income (ytd only)* | 66.2414% | 1,022 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5177% | 3,881 |
| Loan loss allowance to noncurrent loans | 233.4134% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3199% | 4,507 |
| Noncurrent loans to loans | 0.6502% | 5,906 |
| Net loans and leases to total assets | 66.5586% | 3,556 |
| Net loans and leases to deposits | 89.3306% | 1,815 |
| Net loans and leases to core deposits | 97.9001% | 2,055 |
| Total domestic deposits to total assets | 74.5082% | 6,854 |
| Equity capital to assets | 9.0001% | 5,581 |
| Core capital (leverage) ratio | 9.0146% | 4,675 |
| Tier 1 risk-based capital ratio | 12.3843% | 5,087 |
| Total risk-based capital ratio | 13.6367% | 5,059 |
| Memoranda: |
| Average total assets | $2,224,629,250 | 315 |
| Average earning assets | $1,981,359,500 | 318 |
| Average equity | $201,569,500 | 346 |
| Average total loans | $1,503,492,000 | 315 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8097% | 1,401 |
| Cost of funding earning assets | 1.1395% | 5,464 |
| Net interest margin | 4.6702% | 865 |
| Noninterest income to average assets | 1.8714% | 386 |
| Noninterest expense to average assets | 4.1532% | 861 |
| Loan and lease loss provision to assets | 0.7272% | 2,004 |
| Net operating income to assets | 0.8257% | 2,841 |
| Return on assets (ROA) | 0.8257% | 2,995 |
| Pretax return on assets | 1.1444% | 2,610 |
| Return on Equity (ROE) | 9.0916% | 2,428 |
| Retained earnings to average equity (ytd only) | 3.7072% | 3,743 |
| Net charge-offs to loans | 0.8932% | 2,053 |
| Credit loss provision to net charge-offs | 120.4770% | 3,367 |
| Earnings coverage of net charge-offs (x) | 3.1007% | 3,455 |
| Efficiency ratio | 68.8941% | 4,403 |
| Assets per employee ($millions) | 2.9590% | 6,228 |
| Cash dividends to net income (ytd only)* | 59.2235% | 1,342 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3780% | 4,537 |
| Loan loss allowance to noncurrent loans | 103.1032% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 1.7373% | 3,841 |
| Noncurrent loans to loans | 1.3366% | 4,713 |
| Net loans and leases to total assets | 65.7089% | 3,894 |
| Net loans and leases to deposits | 88.8694% | 2,020 |
| Net loans and leases to core deposits | 98.7056% | 2,153 |
| Total domestic deposits to total assets | 73.9388% | 6,980 |
| Equity capital to assets | 8.9805% | 5,479 |
| Core capital (leverage) ratio | 9.0096% | 4,586 |
| Tier 1 risk-based capital ratio | 12.2462% | 5,080 |
| Total risk-based capital ratio | 13.4967% | 5,055 |
| Memoranda: |
| Average total assets | $2,208,642,330 | 314 |
| Average earning assets | $1,964,276,670 | 319 |
| Average equity | $200,581,000 | 346 |
| Average total loans | $1,492,684,670 | 316 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8290% | 1,376 |
| Cost of funding earning assets | 1.1547% | 5,640 |
| Net interest margin | 4.6743% | 829 |
| Noninterest income to average assets | 1.8148% | 390 |
| Noninterest expense to average assets | 4.1097% | 895 |
| Loan and lease loss provision to assets | 0.4423% | 2,752 |
| Net operating income to assets | 1.0024% | 2,174 |
| Return on assets (ROA) | 1.0024% | 2,240 |
| Pretax return on assets | 1.4078% | 1,751 |
| Return on Equity (ROE) | 10.9742% | 1,796 |
| Retained earnings to average equity (ytd only) | 5.5424% | 2,846 |
| Net charge-offs to loans | 0.4853% | 2,604 |
| Credit loss provision to net charge-offs | 133.8710% | 2,636 |
| Earnings coverage of net charge-offs (x) | 5.5996% | 2,365 |
| Efficiency ratio | 68.9134% | 4,524 |
| Assets per employee ($millions) | 2.8718% | 6,495 |
| Cash dividends to net income (ytd only)* | 49.4959% | 1,493 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3589% | 4,635 |
| Loan loss allowance to noncurrent loans | 101.1570% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 2.0061% | 3,497 |
| Noncurrent loans to loans | 1.3433% | 4,731 |
| Net loans and leases to total assets | 66.0969% | 3,831 |
| Net loans and leases to deposits | 86.9672% | 2,412 |
| Net loans and leases to core deposits | 95.5727% | 2,632 |
| Total domestic deposits to total assets | 76.0021% | 6,755 |
| Equity capital to assets | 9.1113% | 5,119 |
| Core capital (leverage) ratio | 9.1793% | 4,259 |
| Tier 1 risk-based capital ratio | 12.3180% | 4,887 |
| Total risk-based capital ratio | 13.5680% | 4,846 |
| Memoranda: |
| Average total assets | $2,176,710,500 | 325 |
| Average earning assets | $1,930,201,000 | 329 |
| Average equity | $198,830,000 | 352 |
| Average total loans | $1,481,975,000 | 328 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1079% | 1,495 |
| Cost of funding earning assets | 1.4675% | 5,650 |
| Net interest margin | 4.6404% | 916 |
| Noninterest income to average assets | 2.0217% | 367 |
| Noninterest expense to average assets | 4.4308% | 853 |
| Loan and lease loss provision to assets | 0.6637% | 3,156 |
| Net operating income to assets | 0.7790% | 2,605 |
| Return on assets (ROA) | 0.7790% | 2,702 |
| Pretax return on assets | 1.0550% | 2,394 |
| Return on Equity (ROE) | 8.5127% | 2,192 |
| Retained earnings to average equity (ytd only) | 2.8961% | 3,148 |
| Net charge-offs to loans | 0.6388% | 3,281 |
| Credit loss provision to net charge-offs | 147.6392% | 3,176 |
| Earnings coverage of net charge-offs (x) | 3.8233% | 3,183 |
| Efficiency ratio | 72.0096% | 4,262 |
| Assets per employee ($millions) | 2.7606% | 6,733 |
| Cash dividends to net income (ytd only)* | 65.9784% | 1,736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3139% | 4,678 |
| Loan loss allowance to noncurrent loans | 83.4867% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.8296% | 3,629 |
| Noncurrent loans to loans | 1.5738% | 4,290 |
| Net loans and leases to total assets | 68.2818% | 3,640 |
| Net loans and leases to deposits | 91.8435% | 1,921 |
| Net loans and leases to core deposits | 112.4166% | 2,654 |
| Total domestic deposits to total assets | 74.3458% | 6,967 |
| Equity capital to assets | 9.1582% | 4,905 |
| Core capital (leverage) ratio | 9.5323% | 3,681 |
| Tier 1 risk-based capital ratio | 12.2653% | 4,712 |
| Total risk-based capital ratio | 13.4914% | 4,692 |
| Memoranda: |
| Average total assets | $2,101,388,600 | 336 |
| Average earning assets | $1,869,243,000 | 339 |
| Average equity | $192,290,200 | 362 |
| Average total loans | $1,478,686,000 | 341 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1737% | 1,436 |
| Cost of funding earning assets | 1.5575% | 5,597 |
| Net interest margin | 4.6162% | 967 |
| Noninterest income to average assets | 1.9955% | 371 |
| Noninterest expense to average assets | 4.3550% | 856 |
| Loan and lease loss provision to assets | 0.7105% | 2,599 |
| Net operating income to assets | 0.7764% | 2,913 |
| Return on assets (ROA) | 0.7764% | 2,972 |
| Pretax return on assets | 1.0422% | 2,768 |
| Return on Equity (ROE) | 8.4870% | 2,456 |
| Retained earnings to average equity (ytd only) | 2.8402% | 3,744 |
| Net charge-offs to loans | 0.6405% | 2,758 |
| Credit loss provision to net charge-offs | 156.9677% | 3,038 |
| Earnings coverage of net charge-offs (x) | 3.8722% | 3,356 |
| Efficiency ratio | 71.2606% | 4,373 |
| Assets per employee ($millions) | 2.6271% | 6,999 |
| Cash dividends to net income (ytd only)* | 66.5353% | 1,383 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3007% | 4,493 |
| Loan loss allowance to noncurrent loans | 96.3130% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.6379% | 3,904 |
| Noncurrent loans to loans | 1.3505% | 4,672 |
| Net loans and leases to total assets | 70.5159% | 3,386 |
| Net loans and leases to deposits | 97.0720% | 1,431 |
| Net loans and leases to core deposits | 119.9990% | 2,241 |
| Total domestic deposits to total assets | 72.6429% | 7,130 |
| Equity capital to assets | 9.5151% | 4,730 |
| Core capital (leverage) ratio | 9.4223% | 4,017 |
| Tier 1 risk-based capital ratio | 12.2914% | 4,716 |
| Total risk-based capital ratio | 13.5133% | 4,678 |
| Memoranda: |
| Average total assets | $2,090,489,000 | 351 |
| Average earning assets | $1,862,284,750 | 353 |
| Average equity | $191,252,000 | 374 |
| Average total loans | $1,477,323,750 | 357 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2048% | 1,437 |
| Cost of funding earning assets | 1.6210% | 5,663 |
| Net interest margin | 4.5838% | 992 |
| Noninterest income to average assets | 1.8750% | 421 |
| Noninterest expense to average assets | 4.2960% | 949 |
| Loan and lease loss provision to assets | 0.5988% | 2,654 |
| Net operating income to assets | 0.8080% | 2,825 |
| Return on assets (ROA) | 0.8080% | 2,919 |
| Pretax return on assets | 1.0688% | 2,741 |
| Return on Equity (ROE) | 8.9480% | 2,374 |
| Retained earnings to average equity (ytd only) | 3.2641% | 3,502 |
| Net charge-offs to loans | 0.7166% | 2,265 |
| Credit loss provision to net charge-offs | 118.6664% | 3,921 |
| Earnings coverage of net charge-offs (x) | 3.3048% | 3,492 |
| Efficiency ratio | 71.9946% | 4,413 |
| Assets per employee ($millions) | 2.5829% | 7,090 |
| Cash dividends to net income (ytd only)* | 63.5219% | 1,556 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0980% | 5,621 |
| Loan loss allowance to noncurrent loans | 100.7434% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.3762% | 4,208 |
| Noncurrent loans to loans | 1.0899% | 5,018 |
| Net loans and leases to total assets | 70.6768% | 3,536 |
| Net loans and leases to deposits | 96.0687% | 1,787 |
| Net loans and leases to core deposits | 118.0915% | 2,539 |
| Total domestic deposits to total assets | 73.5691% | 7,029 |
| Equity capital to assets | 9.4834% | 4,629 |
| Core capital (leverage) ratio | 9.2050% | 4,301 |
| Tier 1 risk-based capital ratio | 12.2872% | 4,687 |
| Total risk-based capital ratio | 13.3182% | 4,776 |
| Memoranda: |
| Average total assets | $2,104,262,330 | 357 |
| Average earning assets | $1,876,966,000 | 356 |
| Average equity | $190,009,330 | 380 |
| Average total loans | $1,481,754,000 | 367 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2783% | 1,366 |
| Cost of funding earning assets | 1.6515% | 5,809 |
| Net interest margin | 4.6268% | 899 |
| Noninterest income to average assets | 1.6908% | 474 |
| Noninterest expense to average assets | 4.0971% | 1,068 |
| Loan and lease loss provision to assets | 0.1810% | 4,634 |
| Net operating income to assets | 1.1101% | 1,921 |
| Return on assets (ROA) | 1.1101% | 2,049 |
| Pretax return on assets | 1.5405% | 1,563 |
| Return on Equity (ROE) | 12.5957% | 1,485 |
| Retained earnings to average equity (ytd only) | 6.8627% | 2,255 |
| Net charge-offs to loans | 0.2401% | 3,200 |
| Credit loss provision to net charge-offs | 107.8038% | 3,553 |
| Earnings coverage of net charge-offs (x) | 10.2553% | 1,967 |
| Efficiency ratio | 70.3686% | 4,500 |
| Assets per employee ($millions) | 2.7190% | 6,844 |
| Cash dividends to net income (ytd only)* | 45.5158% | 1,907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0162% | 6,071 |
| Loan loss allowance to noncurrent loans | 113.8820% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 4,452 |
| Noncurrent loans to loans | 0.8923% | 5,219 |
| Net loans and leases to total assets | 69.0406% | 3,905 |
| Net loans and leases to deposits | 93.0394% | 2,427 |
| Net loans and leases to core deposits | 114.8230% | 2,922 |
| Total domestic deposits to total assets | 74.2057% | 6,850 |
| Equity capital to assets | 8.9223% | 5,446 |
| Core capital (leverage) ratio | 8.6921% | 5,163 |
| Tier 1 risk-based capital ratio | 11.6856% | 5,221 |
| Total risk-based capital ratio | 12.6313% | 5,424 |
| Memoranda: |
| Average total assets | $2,137,429,500 | 350 |
| Average earning assets | $1,906,891,500 | 353 |
| Average equity | $188,381,500 | 382 |
| Average total loans | $1,494,464,000 | 366 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8530% | 1,527 |
| Cost of funding earning assets | 2.1563% | 5,800 |
| Net interest margin | 4.6967% | 978 |
| Noninterest income to average assets | 1.9658% | 355 |
| Noninterest expense to average assets | 4.2794% | 1,069 |
| Loan and lease loss provision to assets | 0.3119% | 3,880 |
| Net operating income to assets | 1.1401% | 1,983 |
| Return on assets (ROA) | 1.1401% | 1,905 |
| Pretax return on assets | 1.5664% | 1,495 |
| Return on Equity (ROE) | 13.5253% | 1,207 |
| Retained earnings to average equity (ytd only) | 9.4797% | 523 |
| Net charge-offs to loans | 0.4280% | 2,678 |
| Credit loss provision to net charge-offs | 104.7733% | 5,104 |
| Earnings coverage of net charge-offs (x) | 6.3096% | 3,388 |
| Efficiency ratio | 69.4555% | 4,452 |
| Assets per employee ($millions) | 2.7511% | 6,672 |
| Cash dividends to net income (ytd only)* | 29.9115% | 4,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9961% | 6,096 |
| Loan loss allowance to noncurrent loans | 116.7588% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3356% | 3,543 |
| Noncurrent loans to loans | 0.8531% | 4,918 |
| Net loans and leases to total assets | 69.3882% | 4,172 |
| Net loans and leases to deposits | 106.5887% | 1,075 |
| Net loans and leases to core deposits | 130.7047% | 1,803 |
| Total domestic deposits to total assets | 65.0991% | 7,716 |
| Equity capital to assets | 8.7057% | 5,799 |
| Core capital (leverage) ratio | 8.5933% | 5,391 |
| Tier 1 risk-based capital ratio | 11.2970% | 5,445 |
| Total risk-based capital ratio | 12.2231% | 5,658 |
| Memoranda: |
| Average total assets | $2,111,286,400 | 342 |
| Average earning assets | $1,884,369,400 | 346 |
| Average equity | $177,970,200 | 406 |
| Average total loans | $1,468,428,400 | 358 |
