| 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 | 5.6016% | 1,032 |
| Cost of funding earning assets | 1.7178% | 1,411 |
| Net interest margin | 3.8838% | 1,406 |
| Noninterest income to average assets | 1.9300% | 279 |
| Noninterest expense to average assets | 3.1533% | 872 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.7686% | 642 |
| Return on assets (ROA) | 1.7030% | 697 |
| Pretax return on assets | 2.1554% | 524 |
| Return on Equity (ROE) | 17.6500% | 867 |
| Retained earnings to average equity (ytd only) | 8.8181% | 1,300 |
| Net charge-offs to loans | 0.0681% | 1,172 |
| Credit loss provision to net charge-offs | 248.7462% | 1,071 |
| Earnings coverage of net charge-offs (x) | 48.4087% | 1,317 |
| Efficiency ratio | 56.8591% | 3,410 |
| Assets per employee ($millions) | 7.2084% | 1,928 |
| Cash dividends to net income (ytd only)* | 50.0486% | 1,616 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3985% | 1,398 |
| Loan loss allowance to noncurrent loans | 817.8413% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1415% | 2,575 |
| Noncurrent loans to loans | 0.1710% | 2,666 |
| Net loans and leases to total assets | 71.0600% | 1,688 |
| Net loans and leases to deposits | 80.4201% | 2,067 |
| Net loans and leases to core deposits | 89.2153% | 2,106 |
| Total domestic deposits to total assets | 88.3600% | 1,242 |
| Equity capital to assets | 10.0102% | 2,001 |
| Core capital (leverage) ratio | 10.5978% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0428% | 1,855 |
| Memoranda: |
| Average total assets | $4,106,373,200 | 315 |
| Average earning assets | $3,783,465,200 | 304 |
| Average equity | $396,141,200 | 318 |
| Average total loans | $2,926,256,200 | 307 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4862% | 1,029 |
| Cost of funding earning assets | 1.5876% | 1,393 |
| Net interest margin | 3.8986% | 1,403 |
| Noninterest income to average assets | 2.2900% | 251 |
| Noninterest expense to average assets | 3.2482% | 766 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.9743% | 519 |
| Return on assets (ROA) | 1.8863% | 563 |
| Pretax return on assets | 2.3859% | 432 |
| Return on Equity (ROE) | 19.7400% | 749 |
| Retained earnings to average equity (ytd only) | 14.6168% | 600 |
| Net charge-offs to loans | 0.0632% | 1,032 |
| Credit loss provision to net charge-offs | 295.2727% | 898 |
| Earnings coverage of net charge-offs (x) | 58.5251% | 1,219 |
| Efficiency ratio | 54.8378% | 3,511 |
| Assets per employee ($millions) | 7.0797% | 1,900 |
| Cash dividends to net income (ytd only)* | 25.9713% | 2,222 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3961% | 1,465 |
| Loan loss allowance to noncurrent loans | 879.6780% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 2,794 |
| Noncurrent loans to loans | 0.1587% | 2,756 |
| Net loans and leases to total assets | 71.0200% | 1,696 |
| Net loans and leases to deposits | 80.1082% | 2,039 |
| Net loans and leases to core deposits | 88.4483% | 2,024 |
| Total domestic deposits to total assets | 88.6600% | 1,355 |
| Equity capital to assets | 9.4544% | 2,126 |
| Core capital (leverage) ratio | 10.6496% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0953% | 1,859 |
| Memoranda: |
| Average total assets | $4,082,342,750 | 319 |
| Average earning assets | $3,760,232,750 | 309 |
| Average equity | $390,007,250 | 323 |
| Average total loans | $2,900,657,250 | 311 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2731% | 1,114 |
| Cost of funding earning assets | 1.3855% | 1,487 |
| Net interest margin | 3.8876% | 1,451 |
| Noninterest income to average assets | 2.8500% | 181 |
| Noninterest expense to average assets | 3.3775% | 621 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 2.2318% | 339 |
| Return on assets (ROA) | 2.0988% | 399 |
| Pretax return on assets | 2.6492% | 294 |
| Return on Equity (ROE) | 21.8900% | 546 |
| Retained earnings to average equity (ytd only) | 16.7379% | 408 |
| Net charge-offs to loans | 0.0708% | 854 |
| Credit loss provision to net charge-offs | 469.8914% | 675 |
| Earnings coverage of net charge-offs (x) | 60.9516% | 1,194 |
| Efficiency ratio | 52.1043% | 3,764 |
| Assets per employee ($millions) | 6.9241% | 1,987 |
| Cash dividends to net income (ytd only)* | 23.5383% | 2,311 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4373% | 1,397 |
| Loan loss allowance to noncurrent loans | 205.0238% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5091% | 1,065 |
| Noncurrent loans to loans | 0.7010% | 1,065 |
| Net loans and leases to total assets | 71.3200% | 1,604 |
| Net loans and leases to deposits | 80.5550% | 1,931 |
| Net loans and leases to core deposits | 86.8486% | 2,011 |
| Total domestic deposits to total assets | 88.5400% | 1,406 |
| Equity capital to assets | 9.8390% | 1,951 |
| Core capital (leverage) ratio | 10.9662% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8115% | 1,975 |
| Memoranda: |
| Average total assets | $4,048,416,333 | 309 |
| Average earning assets | $3,725,453,667 | 300 |
| Average equity | $388,149,000 | 312 |
| Average total loans | $2,862,931,000 | 302 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1556% | 1,010 |
| Cost of funding earning assets | 1.2360% | 1,369 |
| Net interest margin | 3.9196% | 1,435 |
| Noninterest income to average assets | 1.0700% | 522 |
| Noninterest expense to average assets | 3.1863% | 819 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.1027% | 2,216 |
| Return on assets (ROA) | 1.1027% | 2,181 |
| Pretax return on assets | 1.3887% | 1,910 |
| Return on Equity (ROE) | 11.6600% | 2,305 |
| Retained earnings to average equity (ytd only) | 6.3715% | 2,668 |
| Net charge-offs to loans | 0.0902% | 631 |
| Credit loss provision to net charge-offs | 126.9841% | 1,013 |
| Earnings coverage of net charge-offs (x) | 23.6397% | 1,401 |
| Efficiency ratio | 67.3690% | 2,053 |
| Assets per employee ($millions) | 6.4070% | 2,403 |
| Cash dividends to net income (ytd only)* | 45.3556% | 1,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4083% | 1,587 |
| Loan loss allowance to noncurrent loans | 522.0375% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 2,212 |
| Noncurrent loans to loans | 0.2698% | 2,179 |
| Net loans and leases to total assets | 68.2900% | 1,803 |
| Net loans and leases to deposits | 76.7841% | 2,057 |
| Net loans and leases to core deposits | 80.7235% | 2,200 |
| Total domestic deposits to total assets | 88.9400% | 1,567 |
| Equity capital to assets | 9.4452% | 2,185 |
| Core capital (leverage) ratio | 10.4839% | 2,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5886% | 2,146 |
| Memoranda: |
| Average total assets | $3,998,866,000 | 321 |
| Average earning assets | $3,679,550,000 | 312 |
| Average equity | $378,186,000 | 330 |
| Average total loans | $2,793,786,000 | 313 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4150% | 855 |
| Cost of funding earning assets | 0.4659% | 1,606 |
| Net interest margin | 3.9491% | 861 |
| Noninterest income to average assets | 1.9200% | 265 |
| Noninterest expense to average assets | 3.5950% | 454 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.6183% | 659 |
| Return on assets (ROA) | 1.6183% | 632 |
| Pretax return on assets | 2.0340% | 439 |
| Return on Equity (ROE) | 16.5000% | 961 |
| Retained earnings to average equity (ytd only) | 6.1061% | 2,606 |
| Net charge-offs to loans | 0.0073% | 2,133 |
| Credit loss provision to net charge-offs | -1,371.2042% | 4,673 |
| Earnings coverage of net charge-offs (x) | 408.0471% | 378 |
| Efficiency ratio | 63.9229% | 2,507 |
| Assets per employee ($millions) | 6.1885% | 2,604 |
| Cash dividends to net income (ytd only)* | 62.9973% | 855 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4140% | 1,456 |
| Loan loss allowance to noncurrent loans | 497.3165% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 2,169 |
| Noncurrent loans to loans | 0.2843% | 2,128 |
| Net loans and leases to total assets | 69.4900% | 1,689 |
| Net loans and leases to deposits | 78.1405% | 1,933 |
| Net loans and leases to core deposits | 82.3812% | 1,980 |
| Total domestic deposits to total assets | 88.9200% | 1,742 |
| Equity capital to assets | 9.4698% | 2,034 |
| Core capital (leverage) ratio | 10.3240% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4800% | 2,176 |
| Memoranda: |
| Average total assets | $3,960,378,000 | 316 |
| Average earning assets | $3,649,272,400 | 312 |
| Average equity | $388,379,600 | 315 |
| Average total loans | $2,622,305,600 | 306 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1883% | 910 |
| Cost of funding earning assets | 0.3187% | 1,975 |
| Net interest margin | 3.8695% | 847 |
| Noninterest income to average assets | 2.1400% | 247 |
| Noninterest expense to average assets | 3.7006% | 405 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 1.6775% | 560 |
| Return on assets (ROA) | 1.6775% | 547 |
| Pretax return on assets | 2.1019% | 380 |
| Return on Equity (ROE) | 16.9600% | 798 |
| Retained earnings to average equity (ytd only) | 6.0806% | 2,725 |
| Net charge-offs to loans | -0.0220% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1613% | 2,525 |
| Assets per employee ($millions) | 6.2937% | 2,498 |
| Cash dividends to net income (ytd only)* | 64.1488% | 759 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4594% | 1,425 |
| Loan loss allowance to noncurrent loans | 506.7340% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 2,294 |
| Noncurrent loans to loans | 0.2880% | 2,213 |
| Net loans and leases to total assets | 67.1000% | 1,771 |
| Net loans and leases to deposits | 75.2495% | 1,942 |
| Net loans and leases to core deposits | 79.9551% | 1,906 |
| Total domestic deposits to total assets | 89.1800% | 2,015 |
| Equity capital to assets | 8.9989% | 2,218 |
| Core capital (leverage) ratio | 10.2633% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3736% | 2,329 |
| Memoranda: |
| Average total assets | $3,964,946,000 | 315 |
| Average earning assets | $3,658,046,250 | 310 |
| Average equity | $392,147,500 | 314 |
| Average total loans | $2,583,261,000 | 306 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0388% | 877 |
| Cost of funding earning assets | 0.2302% | 2,503 |
| Net interest margin | 3.8086% | 741 |
| Noninterest income to average assets | 2.1527% | 210 |
| Noninterest expense to average assets | 3.6909% | 356 |
| Loan and lease loss provision to assets | -0.1054% | 4,601 |
| Net operating income to assets | 1.6674% | 466 |
| Return on assets (ROA) | 1.6674% | 459 |
| Pretax return on assets | 2.0859% | 308 |
| Return on Equity (ROE) | 16.3628% | 654 |
| Retained earnings to average equity (ytd only) | 4.7052% | 2,812 |
| Net charge-offs to loans | 0.0180% | 1,377 |
| Credit loss provision to net charge-offs | -914.4737% | 3,520 |
| Earnings coverage of net charge-offs (x) | 171.8377% | 589 |
| Efficiency ratio | 64.3813% | 2,717 |
| Assets per employee ($millions) | 6.2856% | 2,491 |
| Cash dividends to net income (ytd only)* | 71.2445% | 799 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5194% | 1,355 |
| Loan loss allowance to noncurrent loans | 504.3098% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 2,340 |
| Noncurrent loans to loans | 0.3013% | 2,256 |
| Net loans and leases to total assets | 64.9123% | 1,814 |
| Net loans and leases to deposits | 73.0678% | 1,951 |
| Net loans and leases to core deposits | 77.9041% | 1,855 |
| Total domestic deposits to total assets | 88.8385% | 2,249 |
| Equity capital to assets | 9.4991% | 2,016 |
| Core capital (leverage) ratio | 10.1266% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9097% | 2,096 |
| Memoranda: |
| Average total assets | $3,956,519,000 | 317 |
| Average earning assets | $3,655,309,667 | 312 |
| Average equity | $403,171,667 | 304 |
| Average total loans | $2,538,585,333 | 307 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6171% | 1,458 |
| Cost of funding earning assets | 0.2068% | 2,699 |
| Net interest margin | 3.4103% | 1,280 |
| Noninterest income to average assets | 2.3639% | 195 |
| Noninterest expense to average assets | 3.7513% | 332 |
| Loan and lease loss provision to assets | -0.2112% | 4,691 |
| Net operating income to assets | 1.5878% | 525 |
| Return on assets (ROA) | 1.5878% | 524 |
| Pretax return on assets | 1.9827% | 370 |
| Return on Equity (ROE) | 15.0682% | 638 |
| Retained earnings to average equity (ytd only) | 3.7723% | 3,021 |
| Net charge-offs to loans | 0.0583% | 726 |
| Credit loss provision to net charge-offs | -572.8022% | 3,166 |
| Earnings coverage of net charge-offs (x) | 48.0412% | 936 |
| Efficiency ratio | 67.2066% | 2,605 |
| Assets per employee ($millions) | 6.4063% | 2,446 |
| Cash dividends to net income (ytd only)* | 74.9649% | 781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5967% | 1,280 |
| Loan loss allowance to noncurrent loans | 326.5711% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 1,790 |
| Noncurrent loans to loans | 0.4889% | 1,806 |
| Net loans and leases to total assets | 61.1270% | 1,950 |
| Net loans and leases to deposits | 68.8239% | 2,069 |
| Net loans and leases to core deposits | 73.1851% | 2,003 |
| Total domestic deposits to total assets | 88.8165% | 2,161 |
| Equity capital to assets | 10.0822% | 1,837 |
| Core capital (leverage) ratio | 10.0494% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6560% | 1,932 |
| Memoranda: |
| Average total assets | $3,948,516,000 | 322 |
| Average earning assets | $3,657,383,000 | 318 |
| Average equity | $416,080,500 | 303 |
| Average total loans | $2,498,657,000 | 309 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9004% | 1,613 |
| Cost of funding earning assets | 0.2408% | 3,040 |
| Net interest margin | 3.6596% | 1,320 |
| Noninterest income to average assets | 2.6040% | 221 |
| Noninterest expense to average assets | 3.9159% | 313 |
| Loan and lease loss provision to assets | -0.0513% | 4,358 |
| Net operating income to assets | 1.7008% | 630 |
| Return on assets (ROA) | 1.7008% | 654 |
| Pretax return on assets | 2.1242% | 476 |
| Return on Equity (ROE) | 15.0183% | 943 |
| Retained earnings to average equity (ytd only) | 3.6338% | 3,364 |
| Net charge-offs to loans | 0.0634% | 1,154 |
| Credit loss provision to net charge-offs | -124.7885% | 3,409 |
| Earnings coverage of net charge-offs (x) | 50.4743% | 1,291 |
| Efficiency ratio | 64.6425% | 2,456 |
| Assets per employee ($millions) | 6.0270% | 2,742 |
| Cash dividends to net income (ytd only)* | 75.8040% | 583 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6745% | 1,105 |
| Loan loss allowance to noncurrent loans | 397.2259% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 2,049 |
| Noncurrent loans to loans | 0.4215% | 2,086 |
| Net loans and leases to total assets | 63.3926% | 1,774 |
| Net loans and leases to deposits | 71.9294% | 1,921 |
| Net loans and leases to core deposits | 76.6697% | 1,861 |
| Total domestic deposits to total assets | 88.1317% | 1,974 |
| Equity capital to assets | 11.0045% | 1,788 |
| Core capital (leverage) ratio | 10.1642% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9278% | 1,878 |
| Memoranda: |
| Average total assets | $3,742,408,600 | 317 |
| Average earning assets | $3,461,452,200 | 314 |
| Average equity | $423,822,200 | 301 |
| Average total loans | $2,423,786,600 | 310 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9112% | 1,729 |
| Cost of funding earning assets | 0.2499% | 3,127 |
| Net interest margin | 3.6613% | 1,429 |
| Noninterest income to average assets | 2.6833% | 226 |
| Noninterest expense to average assets | 3.9872% | 286 |
| Loan and lease loss provision to assets | -0.0690% | 4,521 |
| Net operating income to assets | 1.7215% | 790 |
| Return on assets (ROA) | 1.7215% | 822 |
| Pretax return on assets | 2.1496% | 610 |
| Return on Equity (ROE) | 15.0889% | 1,122 |
| Retained earnings to average equity (ytd only) | 3.7282% | 3,669 |
| Net charge-offs to loans | 0.0481% | 1,180 |
| Credit loss provision to net charge-offs | -221.2226% | 3,417 |
| Earnings coverage of net charge-offs (x) | 66.6494% | 1,085 |
| Efficiency ratio | 64.9603% | 2,254 |
| Assets per employee ($millions) | 5.7677% | 2,926 |
| Cash dividends to net income (ytd only)* | 75.2918% | 477 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6972% | 1,112 |
| Loan loss allowance to noncurrent loans | 392.6191% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 2,187 |
| Noncurrent loans to loans | 0.4323% | 2,261 |
| Net loans and leases to total assets | 65.6704% | 1,581 |
| Net loans and leases to deposits | 75.0209% | 1,760 |
| Net loans and leases to core deposits | 79.9782% | 1,735 |
| Total domestic deposits to total assets | 87.5360% | 2,091 |
| Equity capital to assets | 11.2972% | 1,813 |
| Core capital (leverage) ratio | 10.3755% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9082% | 2,001 |
| Memoranda: |
| Average total assets | $3,703,139,250 | 319 |
| Average earning assets | $3,423,093,750 | 313 |
| Average equity | $422,497,750 | 299 |
| Average total loans | $2,401,212,250 | 314 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8823% | 1,863 |
| Cost of funding earning assets | 0.2581% | 3,207 |
| Net interest margin | 3.6242% | 1,534 |
| Noninterest income to average assets | 2.6486% | 227 |
| Noninterest expense to average assets | 3.9635% | 297 |
| Loan and lease loss provision to assets | -0.1042% | 4,631 |
| Net operating income to assets | 1.7096% | 855 |
| Return on assets (ROA) | 1.7096% | 910 |
| Pretax return on assets | 2.1369% | 641 |
| Return on Equity (ROE) | 14.9344% | 1,178 |
| Retained earnings to average equity (ytd only) | 3.1846% | 3,783 |
| Net charge-offs to loans | 0.0569% | 1,047 |
| Credit loss provision to net charge-offs | -285.4167% | 3,303 |
| Earnings coverage of net charge-offs (x) | 55.6592% | 1,009 |
| Efficiency ratio | 65.3362% | 2,246 |
| Assets per employee ($millions) | 5.6333% | 2,977 |
| Cash dividends to net income (ytd only)* | 78.6763% | 513 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8026% | 880 |
| Loan loss allowance to noncurrent loans | 342.6896% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 2,131 |
| Noncurrent loans to loans | 0.5260% | 2,096 |
| Net loans and leases to total assets | 63.0446% | 2,055 |
| Net loans and leases to deposits | 72.1434% | 2,193 |
| Net loans and leases to core deposits | 76.7709% | 2,164 |
| Total domestic deposits to total assets | 87.3879% | 2,137 |
| Equity capital to assets | 11.4911% | 1,633 |
| Core capital (leverage) ratio | 10.2016% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5936% | 1,767 |
| Memoranda: |
| Average total assets | $3,680,151,667 | 319 |
| Average earning assets | $3,399,232,667 | 314 |
| Average equity | $421,282,667 | 299 |
| Average total loans | $2,361,642,667 | 319 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9003% | 1,828 |
| Cost of funding earning assets | 0.2599% | 3,379 |
| Net interest margin | 3.6404% | 1,474 |
| Noninterest income to average assets | 2.8923% | 214 |
| Noninterest expense to average assets | 4.0043% | 282 |
| Loan and lease loss provision to assets | 0.0096% | 2,650 |
| Net operating income to assets | 1.7935% | 796 |
| Return on assets (ROA) | 1.7935% | 849 |
| Pretax return on assets | 2.2384% | 645 |
| Return on Equity (ROE) | 15.6979% | 1,080 |
| Retained earnings to average equity (ytd only) | 3.5153% | 3,629 |
| Net charge-offs to loans | 0.1058% | 657 |
| Credit loss provision to net charge-offs | 14.1479% | 1,440 |
| Earnings coverage of net charge-offs (x) | 33.1061% | 1,058 |
| Efficiency ratio | 63.3084% | 2,562 |
| Assets per employee ($millions) | 5.6439% | 2,972 |
| Cash dividends to net income (ytd only)* | 77.6067% | 614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9008% | 740 |
| Loan loss allowance to noncurrent loans | 314.4883% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 2,149 |
| Noncurrent loans to loans | 0.6044% | 2,059 |
| Net loans and leases to total assets | 62.2802% | 2,259 |
| Net loans and leases to deposits | 71.8867% | 2,323 |
| Net loans and leases to core deposits | 76.4472% | 2,312 |
| Total domestic deposits to total assets | 86.6365% | 2,471 |
| Equity capital to assets | 11.1483% | 1,755 |
| Core capital (leverage) ratio | 10.2555% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1182% | 1,536 |
| Memoranda: |
| Average total assets | $3,664,051,500 | 321 |
| Average earning assets | $3,381,807,000 | 315 |
| Average equity | $418,629,500 | 299 |
| Average total loans | $2,350,764,000 | 324 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3538% | 1,707 |
| Cost of funding earning assets | 0.3956% | 3,606 |
| Net interest margin | 3.9583% | 1,064 |
| Noninterest income to average assets | 2.8888% | 209 |
| Noninterest expense to average assets | 4.0808% | 353 |
| Loan and lease loss provision to assets | 0.7446% | 193 |
| Net operating income to assets | 1.3782% | 1,070 |
| Return on assets (ROA) | 1.4322% | 1,036 |
| Pretax return on assets | 1.7894% | 698 |
| Return on Equity (ROE) | 12.3613% | 1,214 |
| Retained earnings to average equity (ytd only) | 7.2090% | 1,315 |
| Net charge-offs to loans | 0.1834% | 922 |
| Credit loss provision to net charge-offs | 606.7869% | 1,095 |
| Earnings coverage of net charge-offs (x) | 20.1004% | 1,951 |
| Efficiency ratio | 61.5530% | 3,214 |
| Assets per employee ($millions) | 5.5091% | 2,837 |
| Cash dividends to net income (ytd only)* | 41.6811% | 2,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9525% | 643 |
| Loan loss allowance to noncurrent loans | 303.9298% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 2,241 |
| Noncurrent loans to loans | 0.6424% | 2,076 |
| Net loans and leases to total assets | 63.5867% | 2,420 |
| Net loans and leases to deposits | 75.1919% | 2,364 |
| Net loans and leases to core deposits | 80.3834% | 2,330 |
| Total domestic deposits to total assets | 84.5659% | 2,922 |
| Equity capital to assets | 11.7126% | 1,728 |
| Core capital (leverage) ratio | 10.4176% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2908% | 1,449 |
| Memoranda: |
| Average total assets | $3,434,192,000 | 311 |
| Average earning assets | $3,174,111,800 | 309 |
| Average equity | $397,878,000 | 299 |
| Average total loans | $2,297,278,000 | 312 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4268% | 1,779 |
| Cost of funding earning assets | 0.4324% | 3,627 |
| Net interest margin | 3.9944% | 1,128 |
| Noninterest income to average assets | 2.8701% | 200 |
| Noninterest expense to average assets | 4.0865% | 353 |
| Loan and lease loss provision to assets | 0.9991% | 141 |
| Net operating income to assets | 1.1845% | 1,690 |
| Return on assets (ROA) | 1.2574% | 1,575 |
| Pretax return on assets | 1.5704% | 1,270 |
| Return on Equity (ROE) | 10.8845% | 1,719 |
| Retained earnings to average equity (ytd only) | 6.8031% | 1,775 |
| Net charge-offs to loans | 0.2068% | 738 |
| Credit loss provision to net charge-offs | 716.3099% | 1,048 |
| Earnings coverage of net charge-offs (x) | 17.7687% | 1,995 |
| Efficiency ratio | 61.4621% | 3,150 |
| Assets per employee ($millions) | 5.3330% | 2,856 |
| Cash dividends to net income (ytd only)* | 37.4977% | 2,034 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9485% | 540 |
| Loan loss allowance to noncurrent loans | 306.7439% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 2,351 |
| Noncurrent loans to loans | 0.6352% | 2,205 |
| Net loans and leases to total assets | 65.4780% | 2,583 |
| Net loans and leases to deposits | 77.1513% | 2,635 |
| Net loans and leases to core deposits | 82.3730% | 2,636 |
| Total domestic deposits to total assets | 84.8696% | 2,493 |
| Equity capital to assets | 11.5810% | 1,945 |
| Core capital (leverage) ratio | 10.3730% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0979% | 1,476 |
| Memoranda: |
| Average total assets | $3,393,374,500 | 312 |
| Average earning assets | $3,138,951,000 | 306 |
| Average equity | $392,008,500 | 297 |
| Average total loans | $2,288,332,500 | 307 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5159% | 1,873 |
| Cost of funding earning assets | 0.4919% | 3,587 |
| Net interest margin | 4.0240% | 1,266 |
| Noninterest income to average assets | 2.4753% | 226 |
| Noninterest expense to average assets | 4.0848% | 375 |
| Loan and lease loss provision to assets | 1.1583% | 151 |
| Net operating income to assets | 0.7593% | 3,185 |
| Return on assets (ROA) | 0.8702% | 2,925 |
| Pretax return on assets | 1.0864% | 2,753 |
| Return on Equity (ROE) | 7.5398% | 2,920 |
| Retained earnings to average equity (ytd only) | 2.8763% | 3,438 |
| Net charge-offs to loans | 0.2589% | 609 |
| Credit loss provision to net charge-offs | 661.2154% | 1,035 |
| Earnings coverage of net charge-offs (x) | 12.0229% | 2,077 |
| Efficiency ratio | 65.1522% | 2,642 |
| Assets per employee ($millions) | 5.4694% | 2,672 |
| Cash dividends to net income (ytd only)* | 61.8514% | 1,185 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6760% | 860 |
| Loan loss allowance to noncurrent loans | 388.0348% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 3,008 |
| Noncurrent loans to loans | 0.4319% | 2,870 |
| Net loans and leases to total assets | 66.5421% | 2,553 |
| Net loans and leases to deposits | 80.6989% | 2,350 |
| Net loans and leases to core deposits | 86.0874% | 2,429 |
| Total domestic deposits to total assets | 82.4572% | 3,253 |
| Equity capital to assets | 11.0658% | 2,282 |
| Core capital (leverage) ratio | 10.0386% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9011% | 2,221 |
| Memoranda: |
| Average total assets | $3,344,120,333 | 312 |
| Average earning assets | $3,087,891,667 | 307 |
| Average equity | $385,978,333 | 299 |
| Average total loans | $2,262,863,000 | 307 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8080% | 1,396 |
| Cost of funding earning assets | 0.6370% | 3,241 |
| Net interest margin | 4.1710% | 978 |
| Noninterest income to average assets | 2.0392% | 266 |
| Noninterest expense to average assets | 4.1612% | 425 |
| Loan and lease loss provision to assets | 0.7732% | 323 |
| Net operating income to assets | 0.7602% | 3,055 |
| Return on assets (ROA) | 0.9902% | 2,309 |
| Pretax return on assets | 1.2364% | 2,079 |
| Return on Equity (ROE) | 8.3865% | 2,349 |
| Retained earnings to average equity (ytd only) | 3.1338% | 3,022 |
| Net charge-offs to loans | 0.2488% | 584 |
| Credit loss provision to net charge-offs | 459.3957% | 926 |
| Earnings coverage of net charge-offs (x) | 10.2314% | 1,776 |
| Efficiency ratio | 69.8353% | 2,383 |
| Assets per employee ($millions) | 4.8342% | 2,833 |
| Cash dividends to net income (ytd only)* | 62.6331% | 1,330 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3389% | 1,956 |
| Loan loss allowance to noncurrent loans | 408.8595% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 3,361 |
| Noncurrent loans to loans | 0.3275% | 3,320 |
| Net loans and leases to total assets | 66.6419% | 2,742 |
| Net loans and leases to deposits | 80.1259% | 2,662 |
| Net loans and leases to core deposits | 86.2187% | 2,661 |
| Total domestic deposits to total assets | 83.1715% | 3,053 |
| Equity capital to assets | 12.1071% | 1,989 |
| Core capital (leverage) ratio | 10.8906% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8716% | 1,949 |
| Memoranda: |
| Average total assets | $3,224,942,000 | 313 |
| Average earning assets | $2,972,150,500 | 306 |
| Average equity | $380,753,000 | 302 |
| Average total loans | $2,182,049,500 | 308 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0294% | 1,398 |
| Cost of funding earning assets | 0.9388% | 2,015 |
| Net interest margin | 4.0906% | 1,565 |
| Noninterest income to average assets | 1.9818% | 265 |
| Noninterest expense to average assets | 4.1220% | 460 |
| Loan and lease loss provision to assets | 0.0981% | 2,089 |
| Net operating income to assets | 1.2368% | 1,919 |
| Return on assets (ROA) | 1.2360% | 2,009 |
| Pretax return on assets | 1.5506% | 1,649 |
| Return on Equity (ROE) | 11.8095% | 1,581 |
| Retained earnings to average equity (ytd only) | 8.4591% | 841 |
| Net charge-offs to loans | 0.0854% | 1,894 |
| Credit loss provision to net charge-offs | 161.9792% | 1,594 |
| Earnings coverage of net charge-offs (x) | 27.2257% | 1,673 |
| Efficiency ratio | 71.1895% | 1,992 |
| Assets per employee ($millions) | 4.7646% | 2,876 |
| Cash dividends to net income (ytd only)* | 28.3704% | 3,148 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1035% | 2,931 |
| Loan loss allowance to noncurrent loans | 400.2812% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 3,489 |
| Noncurrent loans to loans | 0.2757% | 3,455 |
| Net loans and leases to total assets | 67.0284% | 2,824 |
| Net loans and leases to deposits | 80.2810% | 2,748 |
| Net loans and leases to core deposits | 86.5781% | 2,747 |
| Total domestic deposits to total assets | 83.4922% | 3,023 |
| Equity capital to assets | 11.5078% | 2,523 |
| Core capital (leverage) ratio | 11.4515% | 2,148 |
| Tier 1 risk-based capital ratio | 13.6951% | 3,417 |
| Total risk-based capital ratio | 14.6657% | 3,451 |
| Memoranda: |
| Average total assets | $2,851,785,000 | 327 |
| Average earning assets | $2,642,102,000 | 323 |
| Average equity | $298,472,000 | 346 |
| Average total loans | $2,022,439,400 | 321 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1146% | 1,260 |
| Cost of funding earning assets | 1.0166% | 1,695 |
| Net interest margin | 4.0980% | 1,618 |
| Noninterest income to average assets | 1.9308% | 278 |
| Noninterest expense to average assets | 4.2221% | 402 |
| Loan and lease loss provision to assets | 0.0921% | 2,068 |
| Net operating income to assets | 1.1358% | 2,430 |
| Return on assets (ROA) | 1.1358% | 2,516 |
| Pretax return on assets | 1.4206% | 2,225 |
| Return on Equity (ROE) | 11.1790% | 1,937 |
| Retained earnings to average equity (ytd only) | 8.0841% | 1,357 |
| Net charge-offs to loans | 0.0574% | 2,007 |
| Credit loss provision to net charge-offs | 223.0950% | 1,205 |
| Earnings coverage of net charge-offs (x) | 36.6543% | 1,443 |
| Efficiency ratio | 73.6234% | 1,626 |
| Assets per employee ($millions) | 4.5949% | 3,058 |
| Cash dividends to net income (ytd only)* | 27.6855% | 2,715 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2011% | 2,499 |
| Loan loss allowance to noncurrent loans | 374.4734% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 3,295 |
| Noncurrent loans to loans | 0.3208% | 3,380 |
| Net loans and leases to total assets | 71.1804% | 2,293 |
| Net loans and leases to deposits | 84.4711% | 2,388 |
| Net loans and leases to core deposits | 93.0414% | 2,263 |
| Total domestic deposits to total assets | 84.2659% | 2,723 |
| Equity capital to assets | 10.4017% | 3,636 |
| Core capital (leverage) ratio | 10.2518% | 3,365 |
| Tier 1 risk-based capital ratio | 12.7217% | 4,015 |
| Total risk-based capital ratio | 13.8109% | 3,984 |
| Memoranda: |
| Average total assets | $2,755,946,750 | 334 |
| Average earning assets | $2,558,136,500 | 328 |
| Average equity | $280,017,000 | 367 |
| Average total loans | $1,979,884,750 | 328 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0596% | 1,321 |
| Cost of funding earning assets | 1.0433% | 1,521 |
| Net interest margin | 4.0163% | 1,867 |
| Noninterest income to average assets | 1.8864% | 293 |
| Noninterest expense to average assets | 4.2579% | 380 |
| Loan and lease loss provision to assets | 0.1081% | 1,735 |
| Net operating income to assets | 0.9970% | 2,932 |
| Return on assets (ROA) | 0.9970% | 2,999 |
| Pretax return on assets | 1.2520% | 2,739 |
| Return on Equity (ROE) | 9.8925% | 2,444 |
| Retained earnings to average equity (ytd only) | 7.7225% | 1,510 |
| Net charge-offs to loans | 0.0445% | 2,010 |
| Credit loss provision to net charge-offs | 338.5845% | 825 |
| Earnings coverage of net charge-offs (x) | 42.5959% | 1,203 |
| Efficiency ratio | 75.7896% | 1,421 |
| Assets per employee ($millions) | 4.3638% | 3,340 |
| Cash dividends to net income (ytd only)* | 21.9362% | 2,958 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2241% | 2,396 |
| Loan loss allowance to noncurrent loans | 304.1525% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 3,056 |
| Noncurrent loans to loans | 0.4025% | 3,090 |
| Net loans and leases to total assets | 70.2752% | 2,491 |
| Net loans and leases to deposits | 83.0350% | 2,604 |
| Net loans and leases to core deposits | 91.6760% | 2,443 |
| Total domestic deposits to total assets | 84.6331% | 2,623 |
| Equity capital to assets | 10.2399% | 3,759 |
| Core capital (leverage) ratio | 10.2134% | 3,372 |
| Tier 1 risk-based capital ratio | 12.9940% | 3,837 |
| Total risk-based capital ratio | 14.1214% | 3,810 |
| Memoranda: |
| Average total assets | $2,743,360,670 | 337 |
| Average earning assets | $2,548,902,000 | 331 |
| Average equity | $276,492,000 | 370 |
| Average total loans | $1,968,931,330 | 334 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0548% | 1,205 |
| Cost of funding earning assets | 1.0332% | 1,435 |
| Net interest margin | 4.0216% | 1,787 |
| Noninterest income to average assets | 1.7708% | 292 |
| Noninterest expense to average assets | 4.2861% | 368 |
| Loan and lease loss provision to assets | 0.0892% | 1,929 |
| Net operating income to assets | 0.9119% | 3,192 |
| Return on assets (ROA) | 0.9119% | 3,232 |
| Pretax return on assets | 1.1283% | 3,050 |
| Return on Equity (ROE) | 9.1227% | 2,755 |
| Retained earnings to average equity (ytd only) | 9.1227% | 1,276 |
| Net charge-offs to loans | 0.0718% | 1,343 |
| Credit loss provision to net charge-offs | 172.2380% | 1,143 |
| Earnings coverage of net charge-offs (x) | 23.5156% | 1,468 |
| Efficiency ratio | 77.8787% | 1,279 |
| Assets per employee ($millions) | 4.1828% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2073% | 2,536 |
| Loan loss allowance to noncurrent loans | 294.5823% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 3,119 |
| Noncurrent loans to loans | 0.4098% | 3,120 |
| Net loans and leases to total assets | 69.7277% | 2,526 |
| Net loans and leases to deposits | 82.5288% | 2,558 |
| Net loans and leases to core deposits | 91.2529% | 2,374 |
| Total domestic deposits to total assets | 84.4890% | 2,854 |
| Equity capital to assets | 10.0681% | 3,755 |
| Core capital (leverage) ratio | 10.1715% | 3,420 |
| Tier 1 risk-based capital ratio | 12.9923% | 3,882 |
| Total risk-based capital ratio | 14.1005% | 3,851 |
| Memoranda: |
| Average total assets | $2,727,343,000 | 343 |
| Average earning assets | $2,531,457,000 | 337 |
| Average equity | $272,639,000 | 372 |
| Average total loans | $1,966,104,500 | 337 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8425% | 1,444 |
| Cost of funding earning assets | 0.8050% | 1,500 |
| Net interest margin | 4.0376% | 1,859 |
| Noninterest income to average assets | 1.9499% | 281 |
| Noninterest expense to average assets | 4.2648% | 377 |
| Loan and lease loss provision to assets | 0.2622% | 647 |
| Net operating income to assets | 1.2777% | 1,887 |
| Return on assets (ROA) | 1.3013% | 1,782 |
| Pretax return on assets | 1.1835% | 2,947 |
| Return on Equity (ROE) | 13.2897% | 1,240 |
| Retained earnings to average equity (ytd only) | 6.5001% | 1,922 |
| Net charge-offs to loans | 0.2716% | 711 |
| Credit loss provision to net charge-offs | 131.7739% | 2,009 |
| Earnings coverage of net charge-offs (x) | 7.1480% | 3,010 |
| Efficiency ratio | 74.9935% | 1,497 |
| Assets per employee ($millions) | 3.9632% | 3,943 |
| Cash dividends to net income (ytd only)* | 51.0889% | 1,902 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1589% | 2,775 |
| Loan loss allowance to noncurrent loans | 332.5568% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 3,199 |
| Noncurrent loans to loans | 0.3485% | 3,293 |
| Net loans and leases to total assets | 72.7627% | 2,134 |
| Net loans and leases to deposits | 85.7536% | 2,303 |
| Net loans and leases to core deposits | 94.7794% | 2,159 |
| Total domestic deposits to total assets | 84.8509% | 2,707 |
| Equity capital to assets | 9.9241% | 3,746 |
| Core capital (leverage) ratio | 10.0525% | 3,519 |
| Tier 1 risk-based capital ratio | 12.5031% | 4,137 |
| Total risk-based capital ratio | 13.5773% | 4,106 |
| Memoranda: |
| Average total assets | $2,632,336,400 | 346 |
| Average earning assets | $2,436,340,800 | 342 |
| Average equity | $257,748,200 | 379 |
| Average total loans | $1,928,126,600 | 337 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7596% | 1,522 |
| Cost of funding earning assets | 0.7389% | 1,623 |
| Net interest margin | 4.0207% | 1,893 |
| Noninterest income to average assets | 1.8995% | 300 |
| Noninterest expense to average assets | 4.2379% | 378 |
| Loan and lease loss provision to assets | 0.2926% | 507 |
| Net operating income to assets | 1.3455% | 1,681 |
| Return on assets (ROA) | 1.3772% | 1,569 |
| Pretax return on assets | 1.1221% | 3,308 |
| Return on Equity (ROE) | 14.1149% | 1,090 |
| Retained earnings to average equity (ytd only) | 4.9623% | 3,257 |
| Net charge-offs to loans | 0.4270% | 375 |
| Credit loss provision to net charge-offs | 93.6612% | 2,378 |
| Earnings coverage of net charge-offs (x) | 4.4274% | 3,063 |
| Efficiency ratio | 75.3963% | 1,420 |
| Assets per employee ($millions) | 4.2494% | 3,505 |
| Cash dividends to net income (ytd only)* | 64.8436% | 1,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0613% | 3,407 |
| Loan loss allowance to noncurrent loans | 291.6678% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 3,203 |
| Noncurrent loans to loans | 0.3639% | 3,343 |
| Net loans and leases to total assets | 73.1506% | 2,139 |
| Net loans and leases to deposits | 85.9908% | 2,369 |
| Net loans and leases to core deposits | 97.1975% | 2,002 |
| Total domestic deposits to total assets | 85.0679% | 2,581 |
| Equity capital to assets | 9.6257% | 3,972 |
| Core capital (leverage) ratio | 9.9959% | 3,642 |
| Tier 1 risk-based capital ratio | 12.2240% | 4,359 |
| Total risk-based capital ratio | 13.2081% | 4,408 |
| Memoranda: |
| Average total assets | $2,612,720,250 | 349 |
| Average earning assets | $2,418,217,000 | 343 |
| Average equity | $254,929,750 | 379 |
| Average total loans | $1,911,263,500 | 336 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6437% | 1,659 |
| Cost of funding earning assets | 0.6842% | 1,717 |
| Net interest margin | 3.9596% | 2,002 |
| Noninterest income to average assets | 1.8948% | 295 |
| Noninterest expense to average assets | 4.2431% | 388 |
| Loan and lease loss provision to assets | 0.1791% | 1,003 |
| Net operating income to assets | 1.6286% | 850 |
| Return on assets (ROA) | 1.6286% | 854 |
| Pretax return on assets | 1.1361% | 3,179 |
| Return on Equity (ROE) | 16.6141% | 572 |
| Retained earnings to average equity (ytd only) | 2.8203% | 4,127 |
| Net charge-offs to loans | 0.2188% | 727 |
| Credit loss provision to net charge-offs | 112.3062% | 1,868 |
| Earnings coverage of net charge-offs (x) | 8.2471% | 2,490 |
| Efficiency ratio | 76.3376% | 1,383 |
| Assets per employee ($millions) | 4.1635% | 3,638 |
| Cash dividends to net income (ytd only)* | 83.0250% | 642 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1163% | 3,169 |
| Loan loss allowance to noncurrent loans | 184.4318% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 2,140 |
| Noncurrent loans to loans | 0.6053% | 2,602 |
| Net loans and leases to total assets | 73.5659% | 2,018 |
| Net loans and leases to deposits | 87.1163% | 2,205 |
| Net loans and leases to core deposits | 98.1694% | 1,878 |
| Total domestic deposits to total assets | 84.4456% | 2,900 |
| Equity capital to assets | 9.7314% | 3,887 |
| Core capital (leverage) ratio | 10.0958% | 3,485 |
| Tier 1 risk-based capital ratio | 12.3247% | 4,292 |
| Total risk-based capital ratio | 13.3703% | 4,301 |
| Memoranda: |
| Average total assets | $2,588,415,330 | 351 |
| Average earning assets | $2,394,965,330 | 345 |
| Average equity | $253,736,000 | 380 |
| Average total loans | $1,886,474,670 | 338 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5695% | 1,667 |
| Cost of funding earning assets | 0.6581% | 1,674 |
| Net interest margin | 3.9114% | 1,997 |
| Noninterest income to average assets | 1.7933% | 313 |
| Noninterest expense to average assets | 4.2355% | 388 |
| Loan and lease loss provision to assets | 0.1208% | 1,563 |
| Net operating income to assets | 1.0551% | 2,624 |
| Return on assets (ROA) | 1.0551% | 2,637 |
| Pretax return on assets | 1.0598% | 3,314 |
| Return on Equity (ROE) | 10.7237% | 2,079 |
| Retained earnings to average equity (ytd only) | 2.8305% | 4,059 |
| Net charge-offs to loans | 0.0582% | 1,521 |
| Credit loss provision to net charge-offs | 288.1481% | 842 |
| Earnings coverage of net charge-offs (x) | 28.1519% | 1,278 |
| Efficiency ratio | 78.2019% | 1,336 |
| Assets per employee ($millions) | 4.1102% | 3,786 |
| Cash dividends to net income (ytd only)* | 73.6052% | 945 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1882% | 2,881 |
| Loan loss allowance to noncurrent loans | 191.7016% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 2,730 |
| Noncurrent loans to loans | 0.6198% | 2,681 |
| Net loans and leases to total assets | 70.7775% | 2,361 |
| Net loans and leases to deposits | 83.5803% | 2,442 |
| Net loans and leases to core deposits | 93.7501% | 2,163 |
| Total domestic deposits to total assets | 84.6820% | 3,037 |
| Equity capital to assets | 9.7900% | 3,803 |
| Core capital (leverage) ratio | 9.9035% | 3,641 |
| Tier 1 risk-based capital ratio | 12.8811% | 4,016 |
| Total risk-based capital ratio | 13.9942% | 3,979 |
| Memoranda: |
| Average total assets | $2,575,298,500 | 356 |
| Average earning assets | $2,385,216,000 | 349 |
| Average equity | $253,382,500 | 383 |
| Average total loans | $1,857,109,000 | 343 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4322% | 1,932 |
| Cost of funding earning assets | 0.5795% | 1,743 |
| Net interest margin | 3.8527% | 2,241 |
| Noninterest income to average assets | 1.8627% | 330 |
| Noninterest expense to average assets | 4.1538% | 445 |
| Loan and lease loss provision to assets | 0.1558% | 1,446 |
| Net operating income to assets | 1.1103% | 1,825 |
| Return on assets (ROA) | 1.0910% | 1,909 |
| Pretax return on assets | 1.0952% | 3,204 |
| Return on Equity (ROE) | 11.1365% | 1,421 |
| Retained earnings to average equity (ytd only) | 3.9180% | 2,852 |
| Net charge-offs to loans | 0.2054% | 1,260 |
| Credit loss provision to net charge-offs | 107.8010% | 2,410 |
| Earnings coverage of net charge-offs (x) | 8.7888% | 2,863 |
| Efficiency ratio | 76.5804% | 1,543 |
| Assets per employee ($millions) | 4.1984% | 3,658 |
| Cash dividends to net income (ytd only)* | 64.8181% | 1,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1505% | 3,062 |
| Loan loss allowance to noncurrent loans | 154.3957% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 2,389 |
| Noncurrent loans to loans | 0.7452% | 2,342 |
| Net loans and leases to total assets | 71.7631% | 2,270 |
| Net loans and leases to deposits | 84.6197% | 2,419 |
| Net loans and leases to core deposits | 95.5754% | 2,071 |
| Total domestic deposits to total assets | 84.8066% | 2,911 |
| Equity capital to assets | 9.8881% | 3,832 |
| Core capital (leverage) ratio | 9.8377% | 3,651 |
| Tier 1 risk-based capital ratio | 12.7269% | 4,077 |
| Total risk-based capital ratio | 13.8090% | 4,070 |
| Memoranda: |
| Average total assets | $2,545,359,200 | 343 |
| Average earning assets | $2,352,922,600 | 339 |
| Average equity | $249,359,200 | 377 |
| Average total loans | $1,791,322,000 | 338 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3525% | 2,101 |
| Cost of funding earning assets | 0.5678% | 1,757 |
| Net interest margin | 3.7848% | 2,460 |
| Noninterest income to average assets | 1.8759% | 341 |
| Noninterest expense to average assets | 4.1731% | 419 |
| Loan and lease loss provision to assets | 0.1271% | 1,703 |
| Net operating income to assets | 1.0717% | 2,221 |
| Return on assets (ROA) | 1.0717% | 2,270 |
| Pretax return on assets | 1.0764% | 3,398 |
| Return on Equity (ROE) | 10.9653% | 1,716 |
| Retained earnings to average equity (ytd only) | 3.3098% | 3,957 |
| Net charge-offs to loans | 0.1134% | 1,658 |
| Credit loss provision to net charge-offs | 160.5438% | 1,598 |
| Earnings coverage of net charge-offs (x) | 15.1996% | 2,245 |
| Efficiency ratio | 77.6164% | 1,380 |
| Assets per employee ($millions) | 4.1450% | 3,749 |
| Cash dividends to net income (ytd only)* | 69.8153% | 975 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1476% | 3,211 |
| Loan loss allowance to noncurrent loans | 270.8732% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 3,332 |
| Noncurrent loans to loans | 0.4237% | 3,427 |
| Net loans and leases to total assets | 74.0316% | 1,908 |
| Net loans and leases to deposits | 87.3627% | 2,143 |
| Net loans and leases to core deposits | 99.7547% | 1,725 |
| Total domestic deposits to total assets | 84.7405% | 2,820 |
| Equity capital to assets | 9.8270% | 4,111 |
| Core capital (leverage) ratio | 9.8734% | 3,727 |
| Tier 1 risk-based capital ratio | 12.2128% | 4,490 |
| Total risk-based capital ratio | 13.2966% | 4,473 |
| Memoranda: |
| Average total assets | $2,539,348,500 | 347 |
| Average earning assets | $2,348,793,500 | 342 |
| Average equity | $248,182,500 | 379 |
| Average total loans | $1,772,816,500 | 344 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2283% | 2,363 |
| Cost of funding earning assets | 0.5536% | 1,756 |
| Net interest margin | 3.6747% | 2,741 |
| Noninterest income to average assets | 1.8449% | 360 |
| Noninterest expense to average assets | 4.1775% | 425 |
| Loan and lease loss provision to assets | 0.0868% | 2,251 |
| Net operating income to assets | 0.9692% | 2,571 |
| Return on assets (ROA) | 0.9692% | 2,620 |
| Pretax return on assets | 0.9749% | 3,662 |
| Return on Equity (ROE) | 9.9347% | 2,065 |
| Retained earnings to average equity (ytd only) | 2.2340% | 4,338 |
| Net charge-offs to loans | 0.1085% | 1,548 |
| Credit loss provision to net charge-offs | 117.5589% | 1,810 |
| Earnings coverage of net charge-offs (x) | 14.3747% | 2,074 |
| Efficiency ratio | 79.7356% | 1,240 |
| Assets per employee ($millions) | 4.1205% | 3,749 |
| Cash dividends to net income (ytd only)* | 77.5131% | 919 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1699% | 3,194 |
| Loan loss allowance to noncurrent loans | 261.0472% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 3,347 |
| Noncurrent loans to loans | 0.4482% | 3,406 |
| Net loans and leases to total assets | 71.0181% | 2,373 |
| Net loans and leases to deposits | 83.6775% | 2,524 |
| Net loans and leases to core deposits | 95.8046% | 1,999 |
| Total domestic deposits to total assets | 84.8712% | 2,858 |
| Equity capital to assets | 9.8170% | 4,112 |
| Core capital (leverage) ratio | 9.8734% | 3,687 |
| Tier 1 risk-based capital ratio | 12.4928% | 4,308 |
| Total risk-based capital ratio | 13.5790% | 4,298 |
| Memoranda: |
| Average total assets | $2,529,174,670 | 349 |
| Average earning assets | $2,336,143,330 | 347 |
| Average equity | $246,730,000 | 379 |
| Average total loans | $1,722,221,000 | 356 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1153% | 2,594 |
| Cost of funding earning assets | 0.5454% | 1,747 |
| Net interest margin | 3.5699% | 3,004 |
| Noninterest income to average assets | 1.7856% | 368 |
| Noninterest expense to average assets | 4.1376% | 461 |
| Loan and lease loss provision to assets | 0.0071% | 3,466 |
| Net operating income to assets | 0.9256% | 2,636 |
| Return on assets (ROA) | 0.9256% | 2,693 |
| Pretax return on assets | 0.9327% | 3,649 |
| Return on Equity (ROE) | 9.5183% | 2,176 |
| Retained earnings to average equity (ytd only) | 1.7792% | 4,403 |
| Net charge-offs to loans | 0.1230% | 1,182 |
| Credit loss provision to net charge-offs | 8.7549% | 2,233 |
| Earnings coverage of net charge-offs (x) | 11.5409% | 1,884 |
| Efficiency ratio | 81.4897% | 1,206 |
| Assets per employee ($millions) | 4.2120% | 3,645 |
| Cash dividends to net income (ytd only)* | 81.3078% | 956 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2489% | 2,828 |
| Loan loss allowance to noncurrent loans | 391.1031% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 3,424 |
| Noncurrent loans to loans | 0.3193% | 3,977 |
| Net loans and leases to total assets | 64.1412% | 3,257 |
| Net loans and leases to deposits | 75.6942% | 3,231 |
| Net loans and leases to core deposits | 84.7259% | 2,833 |
| Total domestic deposits to total assets | 84.7373% | 3,194 |
| Equity capital to assets | 9.6333% | 4,148 |
| Core capital (leverage) ratio | 9.6727% | 3,897 |
| Tier 1 risk-based capital ratio | 13.5646% | 3,742 |
| Total risk-based capital ratio | 14.7170% | 3,711 |
| Memoranda: |
| Average total assets | $2,524,656,500 | 352 |
| Average earning assets | $2,328,010,500 | 351 |
| Average equity | $245,506,500 | 379 |
| Average total loans | $1,671,367,500 | 358 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1536% | 2,647 |
| Cost of funding earning assets | 0.5326% | 1,846 |
| Net interest margin | 3.6209% | 2,997 |
| Noninterest income to average assets | 1.8977% | 365 |
| Noninterest expense to average assets | 4.0420% | 568 |
| Loan and lease loss provision to assets | 0.0776% | 2,811 |
| Net operating income to assets | 1.1104% | 1,858 |
| Return on assets (ROA) | 1.1876% | 1,641 |
| Pretax return on assets | 1.1915% | 2,708 |
| Return on Equity (ROE) | 12.4722% | 1,125 |
| Retained earnings to average equity (ytd only) | 5.0209% | 2,332 |
| Net charge-offs to loans | 0.2958% | 937 |
| Credit loss provision to net charge-offs | 39.2622% | 3,500 |
| Earnings coverage of net charge-offs (x) | 6.0303% | 3,241 |
| Efficiency ratio | 77.2254% | 1,807 |
| Assets per employee ($millions) | 4.0865% | 3,814 |
| Cash dividends to net income (ytd only)* | 59.7431% | 1,800 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2567% | 2,778 |
| Loan loss allowance to noncurrent loans | 297.3041% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5910% | 2,958 |
| Noncurrent loans to loans | 0.4227% | 3,626 |
| Net loans and leases to total assets | 66.6310% | 2,986 |
| Net loans and leases to deposits | 78.8346% | 3,009 |
| Net loans and leases to core deposits | 87.5380% | 2,718 |
| Total domestic deposits to total assets | 84.5200% | 3,233 |
| Equity capital to assets | 9.8174% | 3,918 |
| Core capital (leverage) ratio | 9.5880% | 3,981 |
| Tier 1 risk-based capital ratio | 13.4269% | 3,816 |
| Total risk-based capital ratio | 14.5984% | 3,774 |
| Memoranda: |
| Average total assets | $2,537,041,200 | 341 |
| Average earning assets | $2,337,571,200 | 335 |
| Average equity | $241,569,400 | 373 |
| Average total loans | $1,695,131,400 | 343 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1219% | 2,794 |
| Cost of funding earning assets | 0.5340% | 1,844 |
| Net interest margin | 3.5879% | 3,120 |
| Noninterest income to average assets | 1.9022% | 374 |
| Noninterest expense to average assets | 4.1053% | 527 |
| Loan and lease loss provision to assets | 0.0052% | 4,128 |
| Net operating income to assets | 1.0954% | 2,021 |
| Return on assets (ROA) | 1.1979% | 1,739 |
| Pretax return on assets | 1.2021% | 2,828 |
| Return on Equity (ROE) | 12.6771% | 1,128 |
| Retained earnings to average equity (ytd only) | 5.1985% | 2,698 |
| Net charge-offs to loans | 0.1853% | 1,261 |
| Credit loss provision to net charge-offs | 4.2373% | 3,392 |
| Earnings coverage of net charge-offs (x) | 8.9436% | 2,721 |
| Efficiency ratio | 78.7942% | 1,581 |
| Assets per employee ($millions) | 4.0931% | 3,802 |
| Cash dividends to net income (ytd only)* | 58.9932% | 1,463 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2900% | 2,742 |
| Loan loss allowance to noncurrent loans | 157.2728% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.9988% | 2,072 |
| Noncurrent loans to loans | 0.8203% | 2,622 |
| Net loans and leases to total assets | 65.7887% | 3,159 |
| Net loans and leases to deposits | 77.7271% | 3,215 |
| Net loans and leases to core deposits | 88.8632% | 2,676 |
| Total domestic deposits to total assets | 84.6406% | 2,970 |
| Equity capital to assets | 9.6577% | 4,505 |
| Core capital (leverage) ratio | 9.4167% | 4,305 |
| Tier 1 risk-based capital ratio | 13.2393% | 4,014 |
| Total risk-based capital ratio | 14.4506% | 3,944 |
| Memoranda: |
| Average total assets | $2,547,091,250 | 339 |
| Average earning assets | $2,348,404,250 | 335 |
| Average equity | $240,680,500 | 373 |
| Average total loans | $1,697,703,500 | 341 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0742% | 2,981 |
| Cost of funding earning assets | 0.5340% | 1,837 |
| Net interest margin | 3.5402% | 3,327 |
| Noninterest income to average assets | 1.9026% | 362 |
| Noninterest expense to average assets | 4.1224% | 524 |
| Loan and lease loss provision to assets | 0.0016% | 4,000 |
| Net operating income to assets | 1.0352% | 2,234 |
| Return on assets (ROA) | 1.1890% | 1,738 |
| Pretax return on assets | 1.1937% | 2,802 |
| Return on Equity (ROE) | 12.6770% | 1,110 |
| Retained earnings to average equity (ytd only) | 5.1356% | 2,637 |
| Net charge-offs to loans | 0.2787% | 857 |
| Credit loss provision to net charge-offs | 0.8460% | 3,047 |
| Earnings coverage of net charge-offs (x) | 5.6053% | 2,840 |
| Efficiency ratio | 79.8320% | 1,512 |
| Assets per employee ($millions) | 4.0516% | 3,815 |
| Cash dividends to net income (ytd only)* | 59.4884% | 1,550 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2805% | 2,897 |
| Loan loss allowance to noncurrent loans | 280.4615% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 2,713 |
| Noncurrent loans to loans | 0.4566% | 3,732 |
| Net loans and leases to total assets | 65.9667% | 3,088 |
| Net loans and leases to deposits | 77.5900% | 3,197 |
| Net loans and leases to core deposits | 89.0977% | 2,632 |
| Total domestic deposits to total assets | 85.0196% | 2,874 |
| Equity capital to assets | 9.5200% | 4,753 |
| Core capital (leverage) ratio | 9.3623% | 4,384 |
| Tier 1 risk-based capital ratio | 12.9835% | 4,210 |
| Total risk-based capital ratio | 14.1829% | 4,155 |
| Memoranda: |
| Average total assets | $2,544,758,670 | 337 |
| Average earning assets | $2,344,240,670 | 332 |
| Average equity | $238,685,000 | 376 |
| Average total loans | $1,696,183,670 | 343 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0487% | 3,040 |
| Cost of funding earning assets | 0.5289% | 1,875 |
| Net interest margin | 3.5198% | 3,395 |
| Noninterest income to average assets | 1.8790% | 371 |
| Noninterest expense to average assets | 4.0922% | 554 |
| Loan and lease loss provision to assets | 0.0032% | 3,625 |
| Net operating income to assets | 1.0165% | 2,206 |
| Return on assets (ROA) | 1.0165% | 2,323 |
| Pretax return on assets | 1.0236% | 3,392 |
| Return on Equity (ROE) | 10.9201% | 1,625 |
| Retained earnings to average equity (ytd only) | 3.3038% | 3,843 |
| Net charge-offs to loans | 0.4617% | 484 |
| Credit loss provision to net charge-offs | 1.0251% | 2,414 |
| Earnings coverage of net charge-offs (x) | 3.3403% | 2,552 |
| Efficiency ratio | 79.9421% | 1,613 |
| Assets per employee ($millions) | 3.9760% | 3,995 |
| Cash dividends to net income (ytd only)* | 69.7458% | 1,194 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3433% | 2,691 |
| Loan loss allowance to noncurrent loans | 248.9557% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 2,832 |
| Noncurrent loans to loans | 0.5396% | 3,570 |
| Net loans and leases to total assets | 64.3304% | 3,204 |
| Net loans and leases to deposits | 75.6608% | 3,257 |
| Net loans and leases to core deposits | 86.5746% | 2,699 |
| Total domestic deposits to total assets | 85.0248% | 3,127 |
| Equity capital to assets | 9.3595% | 4,827 |
| Core capital (leverage) ratio | 9.2385% | 4,557 |
| Tier 1 risk-based capital ratio | 13.0147% | 4,261 |
| Total risk-based capital ratio | 14.2614% | 4,174 |
| Memoranda: |
| Average total assets | $2,538,860,000 | 335 |
| Average earning assets | $2,337,058,000 | 331 |
| Average equity | $236,335,000 | 379 |
| Average total loans | $1,690,099,500 | 339 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2990% | 2,236 |
| Cost of funding earning assets | 0.5242% | 1,964 |
| Net interest margin | 3.7748% | 2,460 |
| Noninterest income to average assets | 1.6472% | 477 |
| Noninterest expense to average assets | 3.9706% | 698 |
| Loan and lease loss provision to assets | 0.0324% | 3,716 |
| Net operating income to assets | 1.1011% | 1,924 |
| Return on assets (ROA) | 1.1015% | 1,990 |
| Pretax return on assets | 1.1063% | 3,022 |
| Return on Equity (ROE) | 11.5675% | 1,420 |
| Retained earnings to average equity (ytd only) | 4.1538% | 3,042 |
| Net charge-offs to loans | 0.2715% | 1,119 |
| Credit loss provision to net charge-offs | 17.3517% | 3,768 |
| Earnings coverage of net charge-offs (x) | 6.0898% | 3,279 |
| Efficiency ratio | 77.7198% | 2,008 |
| Assets per employee ($millions) | 3.9954% | 3,946 |
| Cash dividends to net income (ytd only)* | 64.0905% | 1,530 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4074% | 2,387 |
| Loan loss allowance to noncurrent loans | 275.0710% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 3,129 |
| Noncurrent loans to loans | 0.5116% | 3,646 |
| Net loans and leases to total assets | 66.9822% | 2,857 |
| Net loans and leases to deposits | 79.1684% | 2,924 |
| Net loans and leases to core deposits | 89.8748% | 2,411 |
| Total domestic deposits to total assets | 84.6073% | 3,251 |
| Equity capital to assets | 9.2577% | 4,840 |
| Core capital (leverage) ratio | 9.5248% | 4,138 |
| Tier 1 risk-based capital ratio | 12.6600% | 4,537 |
| Total risk-based capital ratio | 13.9108% | 4,434 |
| Memoranda: |
| Average total assets | $2,408,021,000 | 334 |
| Average earning assets | $2,208,302,200 | 326 |
| Average equity | $229,307,200 | 372 |
| Average total loans | $1,657,717,000 | 331 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2969% | 2,240 |
| Cost of funding earning assets | 0.5367% | 1,916 |
| Net interest margin | 3.7603% | 2,527 |
| Noninterest income to average assets | 1.6621% | 467 |
| Noninterest expense to average assets | 3.9687% | 693 |
| Loan and lease loss provision to assets | 0.0385% | 3,437 |
| Net operating income to assets | 1.0983% | 2,015 |
| Return on assets (ROA) | 1.0988% | 2,093 |
| Pretax return on assets | 1.1041% | 3,212 |
| Return on Equity (ROE) | 11.4543% | 1,547 |
| Retained earnings to average equity (ytd only) | 3.9986% | 3,620 |
| Net charge-offs to loans | 0.2859% | 931 |
| Credit loss provision to net charge-offs | 19.5115% | 3,368 |
| Earnings coverage of net charge-offs (x) | 5.7822% | 3,152 |
| Efficiency ratio | 77.6535% | 2,001 |
| Assets per employee ($millions) | 3.8156% | 4,238 |
| Cash dividends to net income (ytd only)* | 65.0909% | 1,200 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4595% | 2,329 |
| Loan loss allowance to noncurrent loans | 193.9436% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 2,679 |
| Noncurrent loans to loans | 0.7526% | 3,082 |
| Net loans and leases to total assets | 71.1915% | 2,195 |
| Net loans and leases to deposits | 82.6966% | 2,565 |
| Net loans and leases to core deposits | 96.9143% | 1,804 |
| Total domestic deposits to total assets | 86.0875% | 2,481 |
| Equity capital to assets | 9.7538% | 4,443 |
| Core capital (leverage) ratio | 9.6247% | 4,140 |
| Tier 1 risk-based capital ratio | 12.4789% | 4,771 |
| Total risk-based capital ratio | 13.7303% | 4,668 |
| Memoranda: |
| Average total assets | $2,376,753,000 | 343 |
| Average earning assets | $2,179,866,500 | 337 |
| Average equity | $228,007,750 | 379 |
| Average total loans | $1,641,910,750 | 336 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1958% | 2,553 |
| Cost of funding earning assets | 0.5471% | 1,846 |
| Net interest margin | 3.6487% | 2,910 |
| Noninterest income to average assets | 1.5631% | 526 |
| Noninterest expense to average assets | 3.8877% | 777 |
| Loan and lease loss provision to assets | 0.0090% | 3,929 |
| Net operating income to assets | 1.0040% | 2,375 |
| Return on assets (ROA) | 1.0048% | 2,473 |
| Pretax return on assets | 1.0110% | 3,541 |
| Return on Equity (ROE) | 10.5331% | 1,836 |
| Retained earnings to average equity (ytd only) | 3.0309% | 4,113 |
| Net charge-offs to loans | 0.3773% | 692 |
| Credit loss provision to net charge-offs | 3.5105% | 3,136 |
| Earnings coverage of net charge-offs (x) | 3.9711% | 3,109 |
| Efficiency ratio | 79.2302% | 1,877 |
| Assets per employee ($millions) | 3.8731% | 4,122 |
| Cash dividends to net income (ytd only)* | 71.2251% | 1,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4679% | 2,422 |
| Loan loss allowance to noncurrent loans | 152.0343% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 2,501 |
| Noncurrent loans to loans | 0.9655% | 2,718 |
| Net loans and leases to total assets | 69.8802% | 2,331 |
| Net loans and leases to deposits | 79.6064% | 2,843 |
| Net loans and leases to core deposits | 92.8975% | 2,075 |
| Total domestic deposits to total assets | 87.7821% | 1,760 |
| Equity capital to assets | 9.4793% | 4,678 |
| Core capital (leverage) ratio | 9.4755% | 4,313 |
| Tier 1 risk-based capital ratio | 12.2183% | 4,986 |
| Total risk-based capital ratio | 13.4697% | 4,886 |
| Memoranda: |
| Average total assets | $2,375,358,000 | 343 |
| Average earning assets | $2,176,803,670 | 334 |
| Average equity | $226,599,670 | 382 |
| Average total loans | $1,615,837,330 | 337 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1057% | 2,808 |
| Cost of funding earning assets | 0.5537% | 1,810 |
| Net interest margin | 3.5520% | 3,218 |
| Noninterest income to average assets | 1.4944% | 544 |
| Noninterest expense to average assets | 3.7894% | 893 |
| Loan and lease loss provision to assets | 0.0066% | 3,624 |
| Net operating income to assets | 0.9421% | 2,550 |
| Return on assets (ROA) | 0.9421% | 2,682 |
| Pretax return on assets | 0.9497% | 3,696 |
| Return on Equity (ROE) | 9.8441% | 2,074 |
| Retained earnings to average equity (ytd only) | 2.3248% | 4,527 |
| Net charge-offs to loans | 0.4376% | 563 |
| Credit loss provision to net charge-offs | 2.2674% | 2,482 |
| Earnings coverage of net charge-offs (x) | 3.2837% | 2,628 |
| Efficiency ratio | 79.8487% | 1,916 |
| Assets per employee ($millions) | 3.8967% | 4,170 |
| Cash dividends to net income (ytd only)* | 76.3839% | 1,043 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6613% | 1,845 |
| Loan loss allowance to noncurrent loans | 126.6165% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.1617% | 2,307 |
| Noncurrent loans to loans | 1.3121% | 2,187 |
| Net loans and leases to total assets | 64.9668% | 2,944 |
| Net loans and leases to deposits | 74.1132% | 3,298 |
| Net loans and leases to core deposits | 86.1932% | 2,524 |
| Total domestic deposits to total assets | 87.6589% | 2,007 |
| Equity capital to assets | 9.4970% | 4,757 |
| Core capital (leverage) ratio | 9.3333% | 4,518 |
| Tier 1 risk-based capital ratio | 12.9271% | 4,646 |
| Total risk-based capital ratio | 14.1804% | 4,563 |
| Memoranda: |
| Average total assets | $2,362,380,500 | 342 |
| Average earning assets | $2,162,367,000 | 332 |
| Average equity | $226,085,500 | 381 |
| Average total loans | $1,572,235,000 | 340 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2800% | 2,683 |
| Cost of funding earning assets | 0.5850% | 1,904 |
| Net interest margin | 3.6949% | 3,026 |
| Noninterest income to average assets | 1.4378% | 587 |
| Noninterest expense to average assets | 3.7384% | 1,083 |
| Loan and lease loss provision to assets | 0.0285% | 4,034 |
| Net operating income to assets | 1.0324% | 2,255 |
| Return on assets (ROA) | 1.0380% | 2,303 |
| Pretax return on assets | 1.0437% | 3,331 |
| Return on Equity (ROE) | 10.6663% | 1,830 |
| Retained earnings to average equity (ytd only) | 3.5825% | 3,674 |
| Net charge-offs to loans | 0.1213% | 2,818 |
| Credit loss provision to net charge-offs | 36.2367% | 3,747 |
| Earnings coverage of net charge-offs (x) | 13.5461% | 2,257 |
| Efficiency ratio | 77.8021% | 2,232 |
| Assets per employee ($millions) | 3.9461% | 4,067 |
| Cash dividends to net income (ytd only)* | 66.4125% | 1,442 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7866% | 1,563 |
| Loan loss allowance to noncurrent loans | 135.1783% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2021% | 2,376 |
| Noncurrent loans to loans | 1.3217% | 2,229 |
| Net loans and leases to total assets | 65.8563% | 2,907 |
| Net loans and leases to deposits | 74.9977% | 3,312 |
| Net loans and leases to core deposits | 86.5076% | 2,645 |
| Total domestic deposits to total assets | 87.8111% | 1,866 |
| Equity capital to assets | 9.6454% | 4,537 |
| Core capital (leverage) ratio | 9.5863% | 4,124 |
| Tier 1 risk-based capital ratio | 13.6772% | 4,309 |
| Total risk-based capital ratio | 14.9330% | 4,243 |
| Memoranda: |
| Average total assets | $2,274,610,000 | 331 |
| Average earning assets | $2,072,803,800 | 327 |
| Average equity | $221,351,400 | 370 |
| Average total loans | $1,476,119,800 | 338 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2420% | 2,833 |
| Cost of funding earning assets | 0.5946% | 1,887 |
| Net interest margin | 3.6474% | 3,238 |
| Noninterest income to average assets | 1.4083% | 631 |
| Noninterest expense to average assets | 3.7473% | 1,043 |
| Loan and lease loss provision to assets | 0.0340% | 3,723 |
| Net operating income to assets | 0.9423% | 2,719 |
| Return on assets (ROA) | 0.9499% | 2,771 |
| Pretax return on assets | 0.9565% | 3,773 |
| Return on Equity (ROE) | 9.7385% | 2,334 |
| Retained earnings to average equity (ytd only) | 2.6744% | 4,696 |
| Net charge-offs to loans | 0.1320% | 2,476 |
| Credit loss provision to net charge-offs | 40.0000% | 3,287 |
| Earnings coverage of net charge-offs (x) | 11.5702% | 2,409 |
| Efficiency ratio | 79.2221% | 2,021 |
| Assets per employee ($millions) | 3.8980% | 4,092 |
| Cash dividends to net income (ytd only)* | 72.5375% | 940 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8238% | 1,646 |
| Loan loss allowance to noncurrent loans | 252.3746% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 2,542 |
| Noncurrent loans to loans | 0.7227% | 3,800 |
| Net loans and leases to total assets | 66.9546% | 2,691 |
| Net loans and leases to deposits | 76.0968% | 3,173 |
| Net loans and leases to core deposits | 86.7032% | 2,584 |
| Total domestic deposits to total assets | 87.9861% | 1,779 |
| Equity capital to assets | 9.6399% | 4,624 |
| Core capital (leverage) ratio | 9.6803% | 4,109 |
| Tier 1 risk-based capital ratio | 13.4081% | 4,597 |
| Total risk-based capital ratio | 14.6641% | 4,537 |
| Memoranda: |
| Average total assets | $2,260,220,250 | 327 |
| Average earning assets | $2,058,485,500 | 328 |
| Average equity | $220,452,750 | 366 |
| Average total loans | $1,454,194,500 | 336 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1351% | 3,209 |
| Cost of funding earning assets | 0.6088% | 1,824 |
| Net interest margin | 3.5263% | 3,674 |
| Noninterest income to average assets | 1.3998% | 617 |
| Noninterest expense to average assets | 3.7181% | 1,107 |
| Loan and lease loss provision to assets | 0.0426% | 3,465 |
| Net operating income to assets | 0.8450% | 3,100 |
| Return on assets (ROA) | 0.8553% | 3,145 |
| Pretax return on assets | 0.8640% | 4,019 |
| Return on Equity (ROE) | 8.7808% | 2,703 |
| Retained earnings to average equity (ytd only) | 1.5944% | 5,102 |
| Net charge-offs to loans | 0.1164% | 2,499 |
| Credit loss provision to net charge-offs | 57.3585% | 2,678 |
| Earnings coverage of net charge-offs (x) | 12.0767% | 2,093 |
| Efficiency ratio | 80.5789% | 1,934 |
| Assets per employee ($millions) | 3.8793% | 4,106 |
| Cash dividends to net income (ytd only)* | 81.8420% | 851 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9171% | 1,539 |
| Loan loss allowance to noncurrent loans | 227.3112% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.3658% | 2,396 |
| Noncurrent loans to loans | 0.8434% | 3,601 |
| Net loans and leases to total assets | 66.1037% | 2,735 |
| Net loans and leases to deposits | 75.4891% | 3,125 |
| Net loans and leases to core deposits | 85.0717% | 2,604 |
| Total domestic deposits to total assets | 87.5673% | 2,160 |
| Equity capital to assets | 9.9662% | 4,156 |
| Core capital (leverage) ratio | 9.9617% | 3,664 |
| Tier 1 risk-based capital ratio | 14.0751% | 4,212 |
| Total risk-based capital ratio | 15.3322% | 4,135 |
| Memoranda: |
| Average total assets | $2,142,750,330 | 341 |
| Average earning assets | $1,953,287,330 | 336 |
| Average equity | $208,729,000 | 385 |
| Average total loans | $1,365,604,330 | 347 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0384% | 3,530 |
| Cost of funding earning assets | 0.6143% | 1,862 |
| Net interest margin | 3.4241% | 4,013 |
| Noninterest income to average assets | 1.3564% | 629 |
| Noninterest expense to average assets | 3.6233% | 1,268 |
| Loan and lease loss provision to assets | 0.0791% | 2,569 |
| Net operating income to assets | 0.7725% | 3,294 |
| Return on assets (ROA) | 0.7725% | 3,376 |
| Pretax return on assets | 0.7836% | 4,170 |
| Return on Equity (ROE) | 8.0213% | 2,917 |
| Retained earnings to average equity (ytd only) | 1.2759% | 5,107 |
| Net charge-offs to loans | 0.1768% | 1,662 |
| Credit loss provision to net charge-offs | 72.2034% | 1,977 |
| Earnings coverage of net charge-offs (x) | 7.8780% | 2,076 |
| Efficiency ratio | 80.7688% | 2,086 |
| Assets per employee ($millions) | 4.0296% | 3,889 |
| Cash dividends to net income (ytd only)* | 84.0942% | 898 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0754% | 1,378 |
| Loan loss allowance to noncurrent loans | 165.9996% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 2,209 |
| Noncurrent loans to loans | 1.2503% | 2,951 |
| Net loans and leases to total assets | 60.3888% | 3,492 |
| Net loans and leases to deposits | 68.9120% | 3,750 |
| Net loans and leases to core deposits | 77.1484% | 3,290 |
| Total domestic deposits to total assets | 87.6318% | 2,436 |
| Equity capital to assets | 9.6606% | 4,282 |
| Core capital (leverage) ratio | 9.7216% | 3,967 |
| Tier 1 risk-based capital ratio | 14.8709% | 3,775 |
| Total risk-based capital ratio | 16.1296% | 3,729 |
| Memoranda: |
| Average total assets | $2,155,079,500 | 338 |
| Average earning assets | $1,969,712,000 | 338 |
| Average equity | $207,546,500 | 386 |
| Average total loans | $1,334,654,500 | 352 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2219% | 3,265 |
| Cost of funding earning assets | 0.6374% | 2,318 |
| Net interest margin | 3.5845% | 3,526 |
| Noninterest income to average assets | 1.5274% | 606 |
| Noninterest expense to average assets | 3.6310% | 1,395 |
| Loan and lease loss provision to assets | 0.1093% | 2,977 |
| Net operating income to assets | 1.0396% | 2,157 |
| Return on assets (ROA) | 1.0396% | 2,227 |
| Pretax return on assets | 1.0469% | 3,164 |
| Return on Equity (ROE) | 10.5519% | 1,909 |
| Retained earnings to average equity (ytd only) | 5.1530% | 2,501 |
| Net charge-offs to loans | 0.4397% | 1,513 |
| Credit loss provision to net charge-offs | 38.2442% | 4,079 |
| Earnings coverage of net charge-offs (x) | 4.0445% | 3,691 |
| Efficiency ratio | 75.8480% | 2,798 |
| Assets per employee ($millions) | 4.1506% | 3,531 |
| Cash dividends to net income (ytd only)* | 51.1652% | 2,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0640% | 1,408 |
| Loan loss allowance to noncurrent loans | 131.6465% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5694% | 2,372 |
| Noncurrent loans to loans | 1.5678% | 2,548 |
| Net loans and leases to total assets | 60.9082% | 3,554 |
| Net loans and leases to deposits | 69.1559% | 3,892 |
| Net loans and leases to core deposits | 76.9951% | 3,490 |
| Total domestic deposits to total assets | 88.0738% | 2,134 |
| Equity capital to assets | 9.6007% | 4,288 |
| Core capital (leverage) ratio | 10.0176% | 3,539 |
| Tier 1 risk-based capital ratio | 14.8675% | 3,742 |
| Total risk-based capital ratio | 16.1264% | 3,685 |
| Memoranda: |
| Average total assets | $2,068,070,800 | 345 |
| Average earning assets | $1,880,718,400 | 338 |
| Average equity | $203,746,000 | 377 |
| Average total loans | $1,344,462,800 | 335 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2113% | 3,343 |
| Cost of funding earning assets | 0.6393% | 2,458 |
| Net interest margin | 3.5720% | 3,567 |
| Noninterest income to average assets | 1.5298% | 622 |
| Noninterest expense to average assets | 3.7315% | 1,200 |
| Loan and lease loss provision to assets | 0.1163% | 2,838 |
| Net operating income to assets | 0.9195% | 2,738 |
| Return on assets (ROA) | 0.9195% | 2,843 |
| Pretax return on assets | 0.9271% | 3,774 |
| Return on Equity (ROE) | 9.2703% | 2,508 |
| Retained earnings to average equity (ytd only) | 5.3272% | 2,855 |
| Net charge-offs to loans | 0.4115% | 1,565 |
| Credit loss provision to net charge-offs | 43.0017% | 3,653 |
| Earnings coverage of net charge-offs (x) | 3.8567% | 3,598 |
| Efficiency ratio | 78.1468% | 2,399 |
| Assets per employee ($millions) | 3.9704% | 3,891 |
| Cash dividends to net income (ytd only)* | 42.5351% | 2,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0945% | 1,515 |
| Loan loss allowance to noncurrent loans | 123.0893% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 1.8239% | 2,241 |
| Noncurrent loans to loans | 1.7016% | 2,642 |
| Net loans and leases to total assets | 65.6354% | 2,699 |
| Net loans and leases to deposits | 75.3129% | 3,046 |
| Net loans and leases to core deposits | 83.4437% | 2,717 |
| Total domestic deposits to total assets | 87.1503% | 2,600 |
| Equity capital to assets | 9.8892% | 4,069 |
| Core capital (leverage) ratio | 10.1431% | 3,473 |
| Tier 1 risk-based capital ratio | 14.4496% | 4,107 |
| Total risk-based capital ratio | 15.7091% | 4,059 |
| Memoranda: |
| Average total assets | $2,045,504,500 | 348 |
| Average earning assets | $1,858,351,750 | 343 |
| Average equity | $202,878,750 | 380 |
| Average total loans | $1,345,001,500 | 334 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1529% | 3,527 |
| Cost of funding earning assets | 0.6357% | 2,632 |
| Net interest margin | 3.5172% | 3,711 |
| Noninterest income to average assets | 1.4883% | 710 |
| Noninterest expense to average assets | 3.7438% | 1,172 |
| Loan and lease loss provision to assets | 0.1672% | 2,239 |
| Net operating income to assets | 0.7583% | 3,522 |
| Return on assets (ROA) | 0.7583% | 3,673 |
| Pretax return on assets | 0.7667% | 4,440 |
| Return on Equity (ROE) | 7.6376% | 3,271 |
| Retained earnings to average equity (ytd only) | 4.6738% | 3,281 |
| Net charge-offs to loans | 0.6996% | 938 |
| Credit loss provision to net charge-offs | 36.5958% | 3,480 |
| Earnings coverage of net charge-offs (x) | 2.0438% | 3,835 |
| Efficiency ratio | 80.0348% | 2,149 |
| Assets per employee ($millions) | 3.9436% | 3,926 |
| Cash dividends to net income (ytd only)* | 38.8048% | 2,309 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1157% | 1,600 |
| Loan loss allowance to noncurrent loans | 76.8037% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 2.5983% | 1,614 |
| Noncurrent loans to loans | 2.7547% | 1,648 |
| Net loans and leases to total assets | 64.4500% | 2,847 |
| Net loans and leases to deposits | 74.3078% | 3,104 |
| Net loans and leases to core deposits | 81.9137% | 2,809 |
| Total domestic deposits to total assets | 86.7338% | 2,982 |
| Equity capital to assets | 9.9924% | 3,927 |
| Core capital (leverage) ratio | 10.0938% | 3,380 |
| Tier 1 risk-based capital ratio | 14.5791% | 4,048 |
| Total risk-based capital ratio | 15.8388% | 4,006 |
| Memoranda: |
| Average total assets | $2,039,132,670 | 347 |
| Average earning assets | $1,849,164,330 | 344 |
| Average equity | $202,446,670 | 379 |
| Average total loans | $1,331,964,670 | 338 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1280% | 3,607 |
| Cost of funding earning assets | 0.6249% | 2,878 |
| Net interest margin | 3.5031% | 3,681 |
| Noninterest income to average assets | 1.2383% | 1,001 |
| Noninterest expense to average assets | 3.7186% | 1,220 |
| Loan and lease loss provision to assets | 0.0049% | 4,370 |
| Net operating income to assets | 0.6712% | 3,838 |
| Return on assets (ROA) | 0.6712% | 3,994 |
| Pretax return on assets | 0.6806% | 4,656 |
| Return on Equity (ROE) | 6.7828% | 3,604 |
| Retained earnings to average equity (ytd only) | 6.7828% | 2,261 |
| Net charge-offs to loans | 1.1083% | 543 |
| Credit loss provision to net charge-offs | 0.6801% | 3,234 |
| Earnings coverage of net charge-offs (x) | 0.9508% | 3,517 |
| Efficiency ratio | 84.4342% | 1,710 |
| Assets per employee ($millions) | 4.0699% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1184% | 1,755 |
| Loan loss allowance to noncurrent loans | 61.1562% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 3.2918% | 1,328 |
| Noncurrent loans to loans | 3.4640% | 1,389 |
| Net loans and leases to total assets | 62.2823% | 3,006 |
| Net loans and leases to deposits | 71.2951% | 3,287 |
| Net loans and leases to core deposits | 78.0350% | 3,059 |
| Total domestic deposits to total assets | 87.3584% | 2,719 |
| Equity capital to assets | 9.8924% | 4,288 |
| Core capital (leverage) ratio | 9.9429% | 3,468 |
| Tier 1 risk-based capital ratio | 14.8418% | 3,943 |
| Total risk-based capital ratio | 16.1016% | 3,900 |
| Memoranda: |
| Average total assets | $2,039,282,500 | 351 |
| Average earning assets | $1,842,921,000 | 349 |
| Average equity | $201,805,500 | 386 |
| Average total loans | $1,326,732,000 | 340 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6222% | 2,910 |
| Cost of funding earning assets | 0.6688% | 3,750 |
| Net interest margin | 3.9534% | 2,589 |
| Noninterest income to average assets | 1.7219% | 549 |
| Noninterest expense to average assets | 3.6115% | 1,585 |
| Loan and lease loss provision to assets | 0.8708% | 526 |
| Net operating income to assets | 0.8050% | 3,264 |
| Return on assets (ROA) | 0.8282% | 3,402 |
| Pretax return on assets | 0.8371% | 4,157 |
| Return on Equity (ROE) | 8.6756% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.6756% | 920 |
| Net charge-offs to loans | 0.9903% | 1,102 |
| Credit loss provision to net charge-offs | 126.5165% | 2,232 |
| Earnings coverage of net charge-offs (x) | 2.4474% | 4,187 |
| Efficiency ratio | 68.1918% | 4,113 |
| Assets per employee ($millions) | 4.0144% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3302% | 1,325 |
| Loan loss allowance to noncurrent loans | 75.8124% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 3.4129% | 1,340 |
| Noncurrent loans to loans | 3.0736% | 1,691 |
| Net loans and leases to total assets | 64.9601% | 2,731 |
| Net loans and leases to deposits | 74.1060% | 3,073 |
| Net loans and leases to core deposits | 80.7403% | 2,914 |
| Total domestic deposits to total assets | 87.6584% | 2,441 |
| Equity capital to assets | 9.8995% | 4,313 |
| Core capital (leverage) ratio | 10.0128% | 3,381 |
| Tier 1 risk-based capital ratio | 14.2193% | 4,228 |
| Total risk-based capital ratio | 15.4815% | 4,174 |
| Memoranda: |
| Average total assets | $1,999,857,200 | 354 |
| Average earning assets | $1,808,009,800 | 344 |
| Average equity | $190,903,400 | 390 |
| Average total loans | $1,389,957,200 | 323 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6326% | 3,090 |
| Cost of funding earning assets | 0.6886% | 3,869 |
| Net interest margin | 3.9440% | 2,733 |
| Noninterest income to average assets | 1.7481% | 514 |
| Noninterest expense to average assets | 3.6284% | 1,506 |
| Loan and lease loss provision to assets | 0.8729% | 518 |
| Net operating income to assets | 0.8123% | 3,389 |
| Return on assets (ROA) | 0.8430% | 3,493 |
| Pretax return on assets | 0.8525% | 4,293 |
| Return on Equity (ROE) | 8.9152% | 2,843 |
| Retained earnings to average equity (ytd only) | 8.9152% | 1,261 |
| Net charge-offs to loans | 0.8323% | 1,318 |
| Credit loss provision to net charge-offs | 149.2682% | 1,891 |
| Earnings coverage of net charge-offs (x) | 2.8974% | 3,877 |
| Efficiency ratio | 68.1666% | 4,026 |
| Assets per employee ($millions) | 4.0140% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2486% | 1,610 |
| Loan loss allowance to noncurrent loans | 58.2409% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 4.0953% | 1,176 |
| Noncurrent loans to loans | 3.8609% | 1,351 |
| Net loans and leases to total assets | 70.1873% | 1,875 |
| Net loans and leases to deposits | 80.4914% | 2,315 |
| Net loans and leases to core deposits | 87.6253% | 2,257 |
| Total domestic deposits to total assets | 87.1986% | 2,559 |
| Equity capital to assets | 9.8853% | 4,660 |
| Core capital (leverage) ratio | 9.9637% | 3,592 |
| Tier 1 risk-based capital ratio | 13.6306% | 4,797 |
| Total risk-based capital ratio | 14.8928% | 4,748 |
| Memoranda: |
| Average total assets | $1,994,009,000 | 357 |
| Average earning assets | $1,807,307,750 | 346 |
| Average equity | $188,556,250 | 392 |
| Average total loans | $1,401,031,000 | 321 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5654% | 3,497 |
| Cost of funding earning assets | 0.7040% | 3,984 |
| Net interest margin | 3.8614% | 3,084 |
| Noninterest income to average assets | 1.7220% | 512 |
| Noninterest expense to average assets | 3.5823% | 1,615 |
| Loan and lease loss provision to assets | 0.8675% | 555 |
| Net operating income to assets | 0.7529% | 3,589 |
| Return on assets (ROA) | 0.7592% | 3,832 |
| Pretax return on assets | 0.7697% | 4,575 |
| Return on Equity (ROE) | 8.1507% | 3,193 |
| Retained earnings to average equity (ytd only) | 8.1507% | 1,586 |
| Net charge-offs to loans | 0.4966% | 2,097 |
| Credit loss provision to net charge-offs | 250.4335% | 1,148 |
| Earnings coverage of net charge-offs (x) | 4.7081% | 3,009 |
| Efficiency ratio | 68.7164% | 3,994 |
| Assets per employee ($millions) | 3.8840% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3237% | 1,545 |
| Loan loss allowance to noncurrent loans | 60.4393% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 4.2620% | 1,173 |
| Noncurrent loans to loans | 3.8447% | 1,456 |
| Net loans and leases to total assets | 70.6715% | 1,791 |
| Net loans and leases to deposits | 80.1272% | 2,362 |
| Net loans and leases to core deposits | 83.6007% | 2,746 |
| Total domestic deposits to total assets | 88.1992% | 2,018 |
| Equity capital to assets | 9.7333% | 4,714 |
| Core capital (leverage) ratio | 9.6558% | 3,915 |
| Tier 1 risk-based capital ratio | 13.3144% | 4,956 |
| Total risk-based capital ratio | 14.5774% | 4,910 |
| Memoranda: |
| Average total assets | $1,997,704,670 | 358 |
| Average earning assets | $1,806,176,330 | 348 |
| Average equity | $186,069,330 | 397 |
| Average total loans | $1,393,449,670 | 321 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4399% | 4,158 |
| Cost of funding earning assets | 0.7295% | 4,031 |
| Net interest margin | 3.7105% | 3,782 |
| Noninterest income to average assets | 1.5004% | 635 |
| Noninterest expense to average assets | 3.5421% | 1,676 |
| Loan and lease loss provision to assets | 0.8554% | 535 |
| Net operating income to assets | 0.4401% | 5,084 |
| Return on assets (ROA) | 0.4522% | 5,216 |
| Pretax return on assets | 0.4641% | 5,541 |
| Return on Equity (ROE) | 4.9631% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.9631% | 3,578 |
| Net charge-offs to loans | 0.9097% | 1,129 |
| Credit loss provision to net charge-offs | 137.2892% | 1,792 |
| Earnings coverage of net charge-offs (x) | 2.0977% | 3,313 |
| Efficiency ratio | 73.0469% | 3,251 |
| Assets per employee ($millions) | 3.9596% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1111% | 2,076 |
| Loan loss allowance to noncurrent loans | 55.1159% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 4.6542% | 1,138 |
| Noncurrent loans to loans | 3.8303% | 1,617 |
| Net loans and leases to total assets | 66.4377% | 2,384 |
| Net loans and leases to deposits | 75.5349% | 2,880 |
| Net loans and leases to core deposits | 78.7770% | 3,215 |
| Total domestic deposits to total assets | 87.9563% | 2,348 |
| Equity capital to assets | 9.1559% | 5,284 |
| Core capital (leverage) ratio | 9.2102% | 4,499 |
| Tier 1 risk-based capital ratio | 13.2906% | 4,992 |
| Total risk-based capital ratio | 14.5509% | 4,967 |
| Memoranda: |
| Average total assets | $2,017,797,500 | 354 |
| Average earning assets | $1,821,013,000 | 347 |
| Average equity | $183,838,000 | 395 |
| Average total loans | $1,382,014,500 | 323 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6797% | 4,332 |
| Cost of funding earning assets | 1.0229% | 3,217 |
| Net interest margin | 3.6568% | 4,488 |
| Noninterest income to average assets | 1.3654% | 690 |
| Noninterest expense to average assets | 3.5494% | 1,865 |
| Loan and lease loss provision to assets | 1.1024% | 820 |
| Net operating income to assets | 0.0070% | 6,024 |
| Return on assets (ROA) | 0.0070% | 6,149 |
| Pretax return on assets | 0.0195% | 6,093 |
| Return on Equity (ROE) | 0.0769% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.0769% | 5,800 |
| Net charge-offs to loans | 1.9081% | 751 |
| Credit loss provision to net charge-offs | 79.4744% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.8088% | 5,194 |
| Efficiency ratio | 75.9831% | 2,891 |
| Assets per employee ($millions) | 4.0003% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9845% | 2,330 |
| Loan loss allowance to noncurrent loans | 41.7529% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 5.1566% | 1,022 |
| Noncurrent loans to loans | 4.7529% | 1,229 |
| Net loans and leases to total assets | 67.7390% | 2,450 |
| Net loans and leases to deposits | 77.0476% | 2,991 |
| Net loans and leases to core deposits | 80.9214% | 3,326 |
| Total domestic deposits to total assets | 87.9185% | 2,212 |
| Equity capital to assets | 9.0659% | 5,474 |
| Core capital (leverage) ratio | 9.0873% | 4,641 |
| Tier 1 risk-based capital ratio | 12.9976% | 5,069 |
| Total risk-based capital ratio | 14.2566% | 5,037 |
| Memoranda: |
| Average total assets | $1,977,733,000 | 350 |
| Average earning assets | $1,787,978,200 | 344 |
| Average equity | $180,692,600 | 389 |
| Average total loans | $1,437,738,200 | 313 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7422% | 4,268 |
| Cost of funding earning assets | 1.0932% | 3,027 |
| Net interest margin | 3.6490% | 4,568 |
| Noninterest income to average assets | 1.5856% | 523 |
| Noninterest expense to average assets | 3.5352% | 1,843 |
| Loan and lease loss provision to assets | 1.1325% | 714 |
| Net operating income to assets | 0.2093% | 5,678 |
| Return on assets (ROA) | 0.2093% | 5,806 |
| Pretax return on assets | 0.2229% | 5,852 |
| Return on Equity (ROE) | 2.2863% | 5,683 |
| Retained earnings to average equity (ytd only) | 2.2863% | 4,980 |
| Net charge-offs to loans | 2.3235% | 503 |
| Credit loss provision to net charge-offs | 66.2070% | 4,600 |
| Earnings coverage of net charge-offs (x) | 0.7924% | 5,021 |
| Efficiency ratio | 72.2871% | 3,498 |
| Assets per employee ($millions) | 3.9919% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7517% | 3,099 |
| Loan loss allowance to noncurrent loans | 65.5993% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 4.3872% | 1,375 |
| Noncurrent loans to loans | 2.6702% | 2,611 |
| Net loans and leases to total assets | 69.5782% | 2,163 |
| Net loans and leases to deposits | 79.4066% | 2,738 |
| Net loans and leases to core deposits | 83.5135% | 3,125 |
| Total domestic deposits to total assets | 87.6226% | 2,279 |
| Equity capital to assets | 9.3244% | 5,341 |
| Core capital (leverage) ratio | 9.5148% | 4,128 |
| Tier 1 risk-based capital ratio | 12.9696% | 5,115 |
| Total risk-based capital ratio | 14.2256% | 5,084 |
| Memoranda: |
| Average total assets | $1,967,131,000 | 355 |
| Average earning assets | $1,781,645,500 | 349 |
| Average equity | $180,080,000 | 398 |
| Average total loans | $1,448,140,250 | 310 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6732% | 4,645 |
| Cost of funding earning assets | 1.1659% | 2,800 |
| Net interest margin | 3.5073% | 5,124 |
| Noninterest income to average assets | 1.5547% | 529 |
| Noninterest expense to average assets | 3.5591% | 1,841 |
| Loan and lease loss provision to assets | 0.9626% | 921 |
| Net operating income to assets | 0.2095% | 5,709 |
| Return on assets (ROA) | 0.2095% | 5,825 |
| Pretax return on assets | 0.2251% | 5,869 |
| Return on Equity (ROE) | 2.3029% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.3029% | 4,828 |
| Net charge-offs to loans | 2.0087% | 665 |
| Credit loss provision to net charge-offs | 64.2618% | 4,228 |
| Earnings coverage of net charge-offs (x) | 0.7929% | 4,704 |
| Efficiency ratio | 74.9790% | 3,181 |
| Assets per employee ($millions) | 3.8546% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9420% | 2,533 |
| Loan loss allowance to noncurrent loans | 45.9159% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 5.6069% | 1,040 |
| Noncurrent loans to loans | 4.2295% | 1,606 |
| Net loans and leases to total assets | 73.0373% | 1,587 |
| Net loans and leases to deposits | 83.2294% | 2,231 |
| Net loans and leases to core deposits | 86.7801% | 2,787 |
| Total domestic deposits to total assets | 87.7542% | 2,316 |
| Equity capital to assets | 9.5482% | 4,737 |
| Core capital (leverage) ratio | 9.4245% | 4,070 |
| Tier 1 risk-based capital ratio | 12.8583% | 5,036 |
| Total risk-based capital ratio | 14.1171% | 5,000 |
| Memoranda: |
| Average total assets | $1,956,200,330 | 360 |
| Average earning assets | $1,780,400,330 | 353 |
| Average equity | $177,946,670 | 404 |
| Average total loans | $1,458,747,330 | 314 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6614% | 4,693 |
| Cost of funding earning assets | 1.2100% | 2,748 |
| Net interest margin | 3.4514% | 5,216 |
| Noninterest income to average assets | 1.4046% | 656 |
| Noninterest expense to average assets | 3.6374% | 1,685 |
| Loan and lease loss provision to assets | 0.5879% | 1,466 |
| Net operating income to assets | 0.3216% | 5,307 |
| Return on assets (ROA) | 0.3216% | 5,385 |
| Pretax return on assets | 0.3423% | 5,530 |
| Return on Equity (ROE) | 3.6240% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.6240% | 4,007 |
| Net charge-offs to loans | 1.9126% | 669 |
| Credit loss provision to net charge-offs | 41.1966% | 3,919 |
| Earnings coverage of net charge-offs (x) | 0.6519% | 4,136 |
| Efficiency ratio | 79.6342% | 2,593 |
| Assets per employee ($millions) | 3.9089% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0284% | 2,333 |
| Loan loss allowance to noncurrent loans | 43.1442% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 4.4992% | 1,446 |
| Noncurrent loans to loans | 4.7014% | 1,474 |
| Net loans and leases to total assets | 70.6535% | 1,990 |
| Net loans and leases to deposits | 81.4248% | 2,459 |
| Net loans and leases to core deposits | 85.7530% | 2,909 |
| Total domestic deposits to total assets | 86.7714% | 3,078 |
| Equity capital to assets | 8.7622% | 5,554 |
| Core capital (leverage) ratio | 8.8041% | 4,923 |
| Tier 1 risk-based capital ratio | 12.4389% | 5,321 |
| Total risk-based capital ratio | 13.7000% | 5,286 |
| Memoranda: |
| Average total assets | $1,962,949,000 | 358 |
| Average earning assets | $1,798,936,000 | 352 |
| Average equity | $174,173,500 | 413 |
| Average total loans | $1,464,622,000 | 315 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9275% | 4,888 |
| Cost of funding earning assets | 1.4372% | 3,035 |
| Net interest margin | 3.4904% | 5,280 |
| Noninterest income to average assets | 1.7485% | 494 |
| Noninterest expense to average assets | 4.1694% | 934 |
| Loan and lease loss provision to assets | 1.4251% | 1,053 |
| Net operating income to assets | -0.6363% | 6,475 |
| Return on assets (ROA) | -0.6363% | 6,504 |
| Pretax return on assets | -0.6281% | 6,415 |
| Return on Equity (ROE) | -6.8130% | 6,547 |
| Retained earnings to average equity (ytd only) | -11.0684% | 6,718 |
| Net charge-offs to loans | 1.3299% | 1,678 |
| Credit loss provision to net charge-offs | 138.1277% | 2,764 |
| Earnings coverage of net charge-offs (x) | 0.7725% | 5,351 |
| Efficiency ratio | 77.3507% | 2,817 |
| Assets per employee ($millions) | 3.6386% | 4,609 |
| Cash dividends to net income (ytd only)* | -62.4605% | 7,596 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2393% | 1,795 |
| Loan loss allowance to noncurrent loans | 49.4277% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 4.9318% | 1,301 |
| Noncurrent loans to loans | 4.5304% | 1,556 |
| Net loans and leases to total assets | 75.4711% | 1,387 |
| Net loans and leases to deposits | 87.1409% | 1,918 |
| Net loans and leases to core deposits | 91.3691% | 2,568 |
| Total domestic deposits to total assets | 86.6081% | 3,026 |
| Equity capital to assets | 8.9879% | 5,160 |
| Core capital (leverage) ratio | 8.6348% | 5,135 |
| Tier 1 risk-based capital ratio | 11.9285% | 5,542 |
| Total risk-based capital ratio | 13.1916% | 5,509 |
| Memoranda: |
| Average total assets | $1,987,883,400 | 349 |
| Average earning assets | $1,832,716,200 | 337 |
| Average equity | $185,646,400 | 376 |
| Average total loans | $1,542,237,200 | 305 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8931% | 5,301 |
| Cost of funding earning assets | 1.4748% | 3,123 |
| Net interest margin | 3.4183% | 5,607 |
| Noninterest income to average assets | 1.6603% | 507 |
| Noninterest expense to average assets | 3.6578% | 1,654 |
| Loan and lease loss provision to assets | 0.9017% | 1,683 |
| Net operating income to assets | 0.2437% | 5,376 |
| Return on assets (ROA) | 0.2437% | 5,531 |
| Pretax return on assets | 0.2524% | 5,609 |
| Return on Equity (ROE) | 2.5857% | 5,396 |
| Retained earnings to average equity (ytd only) | -2.9954% | 6,350 |
| Net charge-offs to loans | 1.2520% | 1,626 |
| Credit loss provision to net charge-offs | 92.7232% | 4,668 |
| Earnings coverage of net charge-offs (x) | 1.1868% | 4,881 |
| Efficiency ratio | 76.0144% | 2,947 |
| Assets per employee ($millions) | 3.6556% | 4,600 |
| Cash dividends to net income (ytd only)* | 215.8469% | 78 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5382% | 3,781 |
| Loan loss allowance to noncurrent loans | 52.1774% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 4.1283% | 1,668 |
| Noncurrent loans to loans | 2.9479% | 2,706 |
| Net loans and leases to total assets | 79.8900% | 769 |
| Net loans and leases to deposits | 92.4113% | 1,394 |
| Net loans and leases to core deposits | 97.5971% | 2,086 |
| Total domestic deposits to total assets | 86.4504% | 2,824 |
| Equity capital to assets | 9.6895% | 4,562 |
| Core capital (leverage) ratio | 9.3686% | 4,103 |
| Tier 1 risk-based capital ratio | 11.6319% | 5,806 |
| Total risk-based capital ratio | 12.8863% | 5,780 |
| Memoranda: |
| Average total assets | $2,002,744,000 | 345 |
| Average earning assets | $1,846,528,250 | 333 |
| Average equity | $188,726,500 | 366 |
| Average total loans | $1,555,608,500 | 302 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7615% | 5,921 |
| Cost of funding earning assets | 1.5037% | 3,240 |
| Net interest margin | 3.2578% | 6,142 |
| Noninterest income to average assets | 1.6392% | 477 |
| Noninterest expense to average assets | 3.5854% | 1,819 |
| Loan and lease loss provision to assets | 0.6415% | 2,240 |
| Net operating income to assets | 0.4114% | 4,705 |
| Return on assets (ROA) | 0.4114% | 4,861 |
| Pretax return on assets | 0.4214% | 5,151 |
| Return on Equity (ROE) | 4.4056% | 4,597 |
| Retained earnings to average equity (ytd only) | -3.9830% | 6,437 |
| Net charge-offs to loans | 0.6954% | 2,476 |
| Credit loss provision to net charge-offs | 120.5066% | 3,365 |
| Earnings coverage of net charge-offs (x) | 1.9966% | 4,028 |
| Efficiency ratio | 77.1341% | 2,873 |
| Assets per employee ($millions) | 3.6282% | 4,640 |
| Cash dividends to net income (ytd only)* | 190.4073% | 121 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7126% | 3,025 |
| Loan loss allowance to noncurrent loans | 52.1370% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 4.3457% | 1,534 |
| Noncurrent loans to loans | 3.2849% | 2,439 |
| Net loans and leases to total assets | 77.2551% | 1,241 |
| Net loans and leases to deposits | 89.0968% | 1,988 |
| Net loans and leases to core deposits | 96.2798% | 2,413 |
| Total domestic deposits to total assets | 86.7093% | 2,698 |
| Equity capital to assets | 9.6246% | 4,508 |
| Core capital (leverage) ratio | 9.2505% | 4,208 |
| Tier 1 risk-based capital ratio | 11.8176% | 5,474 |
| Total risk-based capital ratio | 13.0739% | 5,437 |
| Memoranda: |
| Average total assets | $2,017,187,330 | 343 |
| Average earning assets | $1,863,138,000 | 330 |
| Average equity | $188,349,670 | 364 |
| Average total loans | $1,544,201,670 | 305 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6290% | 6,471 |
| Cost of funding earning assets | 1.5723% | 3,125 |
| Net interest margin | 3.0567% | 6,700 |
| Noninterest income to average assets | 1.4752% | 545 |
| Noninterest expense to average assets | 3.5386% | 1,889 |
| Loan and lease loss provision to assets | 0.6833% | 1,864 |
| Net operating income to assets | 0.0748% | 6,096 |
| Return on assets (ROA) | 0.0748% | 6,204 |
| Pretax return on assets | 0.0866% | 6,170 |
| Return on Equity (ROE) | 0.8134% | 6,172 |
| Retained earnings to average equity (ytd only) | -16.0518% | 7,250 |
| Net charge-offs to loans | 0.6967% | 2,103 |
| Credit loss provision to net charge-offs | 129.8023% | 2,726 |
| Earnings coverage of net charge-offs (x) | 1.4625% | 3,865 |
| Efficiency ratio | 82.1302% | 2,260 |
| Assets per employee ($millions) | 3.7408% | 4,458 |
| Cash dividends to net income (ytd only)* | 2,073.4908% | 12 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7412% | 2,916 |
| Loan loss allowance to noncurrent loans | 42.0652% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 4.2616% | 1,599 |
| Noncurrent loans to loans | 4.1393% | 1,866 |
| Net loans and leases to total assets | 73.1097% | 2,176 |
| Net loans and leases to deposits | 84.8967% | 2,787 |
| Net loans and leases to core deposits | 92.9975% | 2,977 |
| Total domestic deposits to total assets | 86.1160% | 3,086 |
| Equity capital to assets | 9.0376% | 5,223 |
| Core capital (leverage) ratio | 8.6148% | 5,187 |
| Tier 1 risk-based capital ratio | 11.7370% | 5,456 |
| Total risk-based capital ratio | 12.9937% | 5,397 |
| Memoranda: |
| Average total assets | $2,037,104,500 | 350 |
| Average earning assets | $1,888,169,000 | 336 |
| Average equity | $187,368,500 | 372 |
| Average total loans | $1,539,190,000 | 315 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6052% | 3,579 |
| Cost of funding earning assets | 1.7405% | 4,302 |
| Net interest margin | 3.8648% | 3,415 |
| Noninterest income to average assets | 1.8650% | 427 |
| Noninterest expense to average assets | 4.0659% | 1,280 |
| Loan and lease loss provision to assets | 1.0910% | 2,092 |
| Net operating income to assets | 0.2437% | 4,744 |
| Return on assets (ROA) | 0.2437% | 4,827 |
| Pretax return on assets | 0.2619% | 4,867 |
| Return on Equity (ROE) | 2.4553% | 4,731 |
| Retained earnings to average equity (ytd only) | -2.8243% | 5,665 |
| Net charge-offs to loans | 0.8034% | 2,817 |
| Credit loss provision to net charge-offs | 156.3325% | 2,893 |
| Earnings coverage of net charge-offs (x) | 1.9386% | 4,269 |
| Efficiency ratio | 75.0339% | 3,705 |
| Assets per employee ($millions) | 3.3768% | 5,314 |
| Cash dividends to net income (ytd only)* | 215.0304% | 166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6284% | 3,171 |
| Loan loss allowance to noncurrent loans | 58.1584% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 3.0638% | 2,272 |
| Noncurrent loans to loans | 2.7999% | 2,758 |
| Net loans and leases to total assets | 75.4546% | 1,933 |
| Net loans and leases to deposits | 88.4025% | 2,487 |
| Net loans and leases to core deposits | 101.7047% | 3,828 |
| Total domestic deposits to total assets | 85.3535% | 3,382 |
| Equity capital to assets | 9.3570% | 4,624 |
| Core capital (leverage) ratio | 9.2134% | 4,095 |
| Tier 1 risk-based capital ratio | 11.7605% | 5,151 |
| Total risk-based capital ratio | 13.0157% | 5,108 |
| Memoranda: |
| Average total assets | $1,889,482,600 | 370 |
| Average earning assets | $1,737,463,000 | 370 |
| Average equity | $187,512,800 | 367 |
| Average total loans | $1,641,288,800 | 311 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7788% | 2,993 |
| Cost of funding earning assets | 1.7239% | 4,777 |
| Net interest margin | 4.0548% | 2,572 |
| Noninterest income to average assets | 1.9168% | 405 |
| Noninterest expense to average assets | 4.1412% | 1,088 |
| Loan and lease loss provision to assets | 0.8358% | 2,290 |
| Net operating income to assets | 0.6420% | 3,440 |
| Return on assets (ROA) | 0.6420% | 3,508 |
| Pretax return on assets | 0.6612% | 3,983 |
| Return on Equity (ROE) | 6.3692% | 3,366 |
| Retained earnings to average equity (ytd only) | 0.9032% | 4,806 |
| Net charge-offs to loans | 0.8500% | 2,267 |
| Credit loss provision to net charge-offs | 109.6579% | 4,639 |
| Earnings coverage of net charge-offs (x) | 1.9641% | 4,343 |
| Efficiency ratio | 73.4488% | 3,967 |
| Assets per employee ($millions) | 3.3112% | 5,367 |
| Cash dividends to net income (ytd only)* | 85.8201% | 819 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1629% | 5,339 |
| Loan loss allowance to noncurrent loans | 64.7107% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 3.2046% | 2,116 |
| Noncurrent loans to loans | 1.7971% | 3,919 |
| Net loans and leases to total assets | 85.9084% | 347 |
| Net loans and leases to deposits | 102.0178% | 921 |
| Net loans and leases to core deposits | 121.7874% | 2,091 |
| Total domestic deposits to total assets | 84.2092% | 3,625 |
| Equity capital to assets | 10.1425% | 3,916 |
| Core capital (leverage) ratio | 9.7808% | 3,540 |
| Tier 1 risk-based capital ratio | 11.0689% | 5,883 |
| Total risk-based capital ratio | 12.6627% | 5,463 |
| Memoranda: |
| Average total assets | $1,851,116,750 | 396 |
| Average earning assets | $1,698,864,500 | 393 |
| Average equity | $186,601,250 | 380 |
| Average total loans | $1,659,857,500 | 324 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8179% | 2,962 |
| Cost of funding earning assets | 1.6892% | 5,326 |
| Net interest margin | 4.1288% | 2,226 |
| Noninterest income to average assets | 1.9261% | 398 |
| Noninterest expense to average assets | 4.0723% | 1,224 |
| Loan and lease loss provision to assets | 0.8820% | 1,912 |
| Net operating income to assets | 0.7412% | 3,087 |
| Return on assets (ROA) | 0.7412% | 3,188 |
| Pretax return on assets | 0.7610% | 3,799 |
| Return on Equity (ROE) | 7.3680% | 3,038 |
| Retained earnings to average equity (ytd only) | 3.2573% | 3,505 |
| Net charge-offs to loans | 1.0412% | 1,718 |
| Credit loss provision to net charge-offs | 93.4833% | 4,814 |
| Earnings coverage of net charge-offs (x) | 1.7414% | 4,248 |
| Efficiency ratio | 71.2534% | 4,550 |
| Assets per employee ($millions) | 3.0873% | 5,900 |
| Cash dividends to net income (ytd only)* | 55.7921% | 1,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0580% | 5,850 |
| Loan loss allowance to noncurrent loans | 54.2388% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 3.2742% | 1,896 |
| Noncurrent loans to loans | 1.9507% | 3,593 |
| Net loans and leases to total assets | 90.2710% | 118 |
| Net loans and leases to deposits | 111.8931% | 485 |
| Net loans and leases to core deposits | 135.3103% | 1,251 |
| Total domestic deposits to total assets | 80.6761% | 5,203 |
| Equity capital to assets | 10.6562% | 3,244 |
| Core capital (leverage) ratio | 10.0528% | 3,238 |
| Tier 1 risk-based capital ratio | 11.0958% | 5,780 |
| Total risk-based capital ratio | 12.1380% | 5,937 |
| Memoranda: |
| Average total assets | $1,837,919,330 | 406 |
| Average earning assets | $1,686,747,000 | 400 |
| Average equity | $184,879,670 | 387 |
| Average total loans | $1,665,347,330 | 329 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0754% | 2,045 |
| Cost of funding earning assets | 1.6497% | 5,815 |
| Net interest margin | 4.4257% | 1,283 |
| Noninterest income to average assets | 1.4780% | 644 |
| Noninterest expense to average assets | 4.2671% | 881 |
| Loan and lease loss provision to assets | 0.5127% | 2,420 |
| Net operating income to assets | 0.7474% | 3,362 |
| Return on assets (ROA) | 0.7474% | 3,539 |
| Pretax return on assets | 0.7668% | 4,200 |
| Return on Equity (ROE) | 7.6525% | 3,305 |
| Retained earnings to average equity (ytd only) | 1.0078% | 5,240 |
| Net charge-offs to loans | 0.9002% | 1,460 |
| Credit loss provision to net charge-offs | 63.0655% | 4,467 |
| Earnings coverage of net charge-offs (x) | 1.5740% | 3,940 |
| Efficiency ratio | 76.9324% | 3,340 |
| Assets per employee ($millions) | 3.1978% | 5,597 |
| Cash dividends to net income (ytd only)* | 86.8307% | 934 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0160% | 6,073 |
| Loan loss allowance to noncurrent loans | 56.1586% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 2.3159% | 2,484 |
| Noncurrent loans to loans | 1.8091% | 3,552 |
| Net loans and leases to total assets | 88.6451% | 219 |
| Net loans and leases to deposits | 107.6872% | 749 |
| Net loans and leases to core deposits | 128.2265% | 1,765 |
| Total domestic deposits to total assets | 82.3172% | 4,431 |
| Equity capital to assets | 9.8544% | 4,176 |
| Core capital (leverage) ratio | 9.2451% | 4,335 |
| Tier 1 risk-based capital ratio | 10.2341% | 6,673 |
| Total risk-based capital ratio | 11.2167% | 6,866 |
| Memoranda: |
| Average total assets | $1,849,198,500 | 403 |
| Average earning assets | $1,699,964,000 | 401 |
| Average equity | $180,595,500 | 394 |
| Average total loans | $1,669,886,500 | 328 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9596% | 1,235 |
| Cost of funding earning assets | 2.2961% | 5,171 |
| Net interest margin | 4.6635% | 1,036 |
| Noninterest income to average assets | 2.4436% | 261 |
| Noninterest expense to average assets | 4.2681% | 1,082 |
| Loan and lease loss provision to assets | 1.0696% | 1,358 |
| Net operating income to assets | 1.3671% | 1,305 |
| Return on assets (ROA) | 1.3671% | 1,260 |
| Pretax return on assets | 1.3671% | 2,067 |
| Return on Equity (ROE) | 14.4776% | 1,016 |
| Retained earnings to average equity (ytd only) | 10.1094% | 435 |
| Net charge-offs to loans | 0.8012% | 1,558 |
| Credit loss provision to net charge-offs | 146.5763% | 3,600 |
| Earnings coverage of net charge-offs (x) | 3.3392% | 4,414 |
| Efficiency ratio | 63.6575% | 5,631 |
| Assets per employee ($millions) | 3.1953% | 5,495 |
| Cash dividends to net income (ytd only)* | 30.1720% | 4,101 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0666% | 5,503 |
| Loan loss allowance to noncurrent loans | 81.8914% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.9371% | 2,537 |
| Noncurrent loans to loans | 1.3025% | 3,906 |
| Net loans and leases to total assets | 90.0695% | 191 |
| Net loans and leases to deposits | 111.4367% | 740 |
| Net loans and leases to core deposits | 131.8191% | 1,733 |
| Total domestic deposits to total assets | 80.8257% | 4,725 |
| Equity capital to assets | 9.6792% | 4,453 |
| Core capital (leverage) ratio | 9.2238% | 4,406 |
| Tier 1 risk-based capital ratio | 9.8023% | 6,955 |
| Total risk-based capital ratio | 10.8244% | 7,130 |
| Memoranda: |
| Average total assets | $1,709,169,400 | 417 |
| Average earning assets | $1,561,710,000 | 408 |
| Average equity | $161,394,200 | 440 |
| Average total loans | $1,556,573,800 | 344 |
