| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7128% | 4,372 |
| Cost of funding earning assets | 0.9560% | 1,627 |
| Net interest margin | 2.7569% | 4,613 |
| Noninterest income to average assets | 0.6533% | 1,823 |
| Noninterest expense to average assets | 6.7826% | 127 |
| Loan and lease loss provision to assets | 0.3692% | 836 |
| Net operating income to assets | -4.1450% | 5,088 |
| Return on assets (ROA) | -4.1449% | 5,080 |
| Pretax return on assets | -3.9873% | 5,071 |
| Return on Equity (ROE) | -32.2375% | 5,084 |
| Retained earnings to average equity (ytd only) | -33.8292% | 5,057 |
| Net charge-offs to loans | -0.0420% | 4,578 |
| Credit loss provision to net charge-offs | -1,209.1200% | 3,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2222% | 3,203 |
| Assets per employee ($millions) | 11.5471% | 263 |
| Cash dividends to net income (ytd only)* | -4.9374% | 5,065 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8584% | 4,255 |
| Loan loss allowance to noncurrent loans | 891.6941% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,260 |
| Noncurrent loans to loans | 0.0963% | 4,121 |
| Net loans and leases to total assets | 70.8452% | 2,109 |
| Net loans and leases to deposits | 88.4743% | 1,699 |
| Net loans and leases to core deposits | 96.0130% | 1,789 |
| Total domestic deposits to total assets | 80.0743% | 3,843 |
| Equity capital to assets | 12.0038% | 2,067 |
| Core capital (leverage) ratio | 9.6385% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1058% | 1,870 |
| Memoranda: |
| Average total assets | $8,187,797,000 | 169 |
| Average earning assets | $7,457,564,000 | 166 |
| Average equity | $1,052,723,500 | 162 |
| Average total loans | $5,945,620,500 | 165 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0254% | 4,197 |
| Cost of funding earning assets | 1.1054% | 1,299 |
| Net interest margin | 2.9200% | 4,635 |
| Noninterest income to average assets | 0.6229% | 2,119 |
| Noninterest expense to average assets | 2.2220% | 4,116 |
| Loan and lease loss provision to assets | -0.0637% | 5,033 |
| Net operating income to assets | 0.8020% | 3,547 |
| Return on assets (ROA) | 0.8033% | 3,629 |
| Pretax return on assets | 1.0904% | 3,195 |
| Return on Equity (ROE) | 5.7979% | 3,975 |
| Retained earnings to average equity (ytd only) | 4.2342% | 2,838 |
| Net charge-offs to loans | 0.1581% | 1,271 |
| Credit loss provision to net charge-offs | -55.0196% | 4,172 |
| Earnings coverage of net charge-offs (x) | 8.8510% | 2,725 |
| Efficiency ratio | 66.4114% | 2,704 |
| Assets per employee ($millions) | 10.8740% | 306 |
| Cash dividends to net income (ytd only)* | 26.9706% | 3,210 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6922% | 4,592 |
| Loan loss allowance to noncurrent loans | 683.6960% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,262 |
| Noncurrent loans to loans | 0.1012% | 4,120 |
| Net loans and leases to total assets | 73.3182% | 1,872 |
| Net loans and leases to deposits | 90.3738% | 1,543 |
| Net loans and leases to core deposits | 96.0999% | 1,891 |
| Total domestic deposits to total assets | 81.1277% | 3,739 |
| Equity capital to assets | 13.7524% | 1,188 |
| Core capital (leverage) ratio | 9.6966% | 3,848 |
| Tier 1 risk-based capital ratio | 12.1665% | 4,264 |
| Total risk-based capital ratio | 15.0792% | 3,260 |
| Memoranda: |
| Average total assets | $7,697,902,400 | 165 |
| Average earning assets | $6,918,134,400 | 166 |
| Average equity | $1,066,487,400 | 155 |
| Average total loans | $5,639,629,200 | 165 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0713% | 4,220 |
| Cost of funding earning assets | 1.1108% | 1,303 |
| Net interest margin | 2.9605% | 4,678 |
| Noninterest income to average assets | 0.6083% | 2,165 |
| Noninterest expense to average assets | 2.3017% | 3,944 |
| Loan and lease loss provision to assets | -0.0388% | 5,112 |
| Net operating income to assets | 0.7248% | 3,928 |
| Return on assets (ROA) | 0.7265% | 3,991 |
| Pretax return on assets | 1.0049% | 3,583 |
| Return on Equity (ROE) | 5.2339% | 4,267 |
| Retained earnings to average equity (ytd only) | 3.6584% | 3,573 |
| Net charge-offs to loans | 0.1743% | 970 |
| Credit loss provision to net charge-offs | -30.4431% | 3,990 |
| Earnings coverage of net charge-offs (x) | 7.5629% | 2,732 |
| Efficiency ratio | 68.3163% | 2,366 |
| Assets per employee ($millions) | 10.5446% | 301 |
| Cash dividends to net income (ytd only)* | 30.1023% | 2,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7783% | 4,463 |
| Loan loss allowance to noncurrent loans | 608.5714% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,232 |
| Noncurrent loans to loans | 0.1279% | 4,079 |
| Net loans and leases to total assets | 74.0788% | 1,806 |
| Net loans and leases to deposits | 91.6407% | 1,482 |
| Net loans and leases to core deposits | 98.2239% | 1,810 |
| Total domestic deposits to total assets | 80.8362% | 3,799 |
| Equity capital to assets | 13.9364% | 1,174 |
| Core capital (leverage) ratio | 9.7040% | 3,967 |
| Tier 1 risk-based capital ratio | 12.2016% | 4,308 |
| Total risk-based capital ratio | 15.2617% | 3,233 |
| Memoranda: |
| Average total assets | $7,624,278,000 | 167 |
| Average earning assets | $6,843,501,000 | 167 |
| Average equity | $1,058,322,500 | 157 |
| Average total loans | $5,574,355,250 | 167 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0844% | 4,200 |
| Cost of funding earning assets | 1.0769% | 1,391 |
| Net interest margin | 3.0074% | 4,670 |
| Noninterest income to average assets | 0.5879% | 2,210 |
| Noninterest expense to average assets | 2.4229% | 3,676 |
| Loan and lease loss provision to assets | 0.1446% | 1,281 |
| Net operating income to assets | 0.5136% | 4,504 |
| Return on assets (ROA) | 0.5161% | 4,530 |
| Pretax return on assets | 0.7183% | 4,291 |
| Return on Equity (ROE) | 3.7229% | 4,646 |
| Retained earnings to average equity (ytd only) | 2.1351% | 4,074 |
| Net charge-offs to loans | 0.0880% | 1,483 |
| Credit loss provision to net charge-offs | 226.5509% | 1,107 |
| Earnings coverage of net charge-offs (x) | 13.4686% | 2,098 |
| Efficiency ratio | 71.5316% | 1,985 |
| Assets per employee ($millions) | 10.7336% | 282 |
| Cash dividends to net income (ytd only)* | 42.6510% | 2,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9837% | 3,722 |
| Loan loss allowance to noncurrent loans | 272.7848% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 3,478 |
| Noncurrent loans to loans | 0.3606% | 3,243 |
| Net loans and leases to total assets | 73.9538% | 1,901 |
| Net loans and leases to deposits | 93.2429% | 1,349 |
| Net loans and leases to core deposits | 100.2438% | 1,701 |
| Total domestic deposits to total assets | 79.3130% | 4,158 |
| Equity capital to assets | 13.5081% | 1,311 |
| Core capital (leverage) ratio | 9.3019% | 4,356 |
| Tier 1 risk-based capital ratio | 11.5580% | 4,655 |
| Total risk-based capital ratio | 14.7728% | 3,470 |
| Memoranda: |
| Average total assets | $7,575,256,330 | 169 |
| Average earning assets | $6,787,927,000 | 168 |
| Average equity | $1,050,082,330 | 159 |
| Average total loans | $5,498,448,670 | 167 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0524% | 4,254 |
| Cost of funding earning assets | 0.9699% | 1,698 |
| Net interest margin | 3.0825% | 4,615 |
| Noninterest income to average assets | 0.5861% | 2,114 |
| Noninterest expense to average assets | 2.4585% | 3,609 |
| Loan and lease loss provision to assets | 0.1182% | 1,485 |
| Net operating income to assets | 0.5796% | 4,304 |
| Return on assets (ROA) | 0.5844% | 4,318 |
| Pretax return on assets | 0.7692% | 4,118 |
| Return on Equity (ROE) | 4.1595% | 4,544 |
| Retained earnings to average equity (ytd only) | 2.5724% | 3,900 |
| Net charge-offs to loans | -0.1221% | 5,075 |
| Credit loss provision to net charge-offs | -135.4501% | 3,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3310% | 2,141 |
| Assets per employee ($millions) | 10.1157% | 327 |
| Cash dividends to net income (ytd only)* | 38.1549% | 1,978 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0708% | 3,290 |
| Loan loss allowance to noncurrent loans | 250.6772% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,397 |
| Noncurrent loans to loans | 0.4272% | 3,056 |
| Net loans and leases to total assets | 70.2825% | 2,443 |
| Net loans and leases to deposits | 88.8505% | 1,762 |
| Net loans and leases to core deposits | 94.7002% | 2,061 |
| Total domestic deposits to total assets | 79.1020% | 4,337 |
| Equity capital to assets | 13.6332% | 1,160 |
| Core capital (leverage) ratio | 9.8589% | 3,753 |
| Tier 1 risk-based capital ratio | 11.5914% | 4,695 |
| Total risk-based capital ratio | 14.8472% | 3,469 |
| Memoranda: |
| Average total assets | $7,434,404,000 | 171 |
| Average earning assets | $6,641,433,000 | 171 |
| Average equity | $1,044,459,500 | 159 |
| Average total loans | $5,313,551,500 | 170 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8180% | 4,447 |
| Cost of funding earning assets | 0.7097% | 2,032 |
| Net interest margin | 3.1084% | 4,640 |
| Noninterest income to average assets | 0.6671% | 1,979 |
| Noninterest expense to average assets | 2.5234% | 3,541 |
| Loan and lease loss provision to assets | 0.2681% | 628 |
| Net operating income to assets | 0.5331% | 4,590 |
| Return on assets (ROA) | 0.4229% | 4,817 |
| Pretax return on assets | 0.5124% | 4,779 |
| Return on Equity (ROE) | 2.9978% | 4,896 |
| Retained earnings to average equity (ytd only) | 1.4305% | 4,562 |
| Net charge-offs to loans | 0.7920% | 191 |
| Credit loss provision to net charge-offs | 47.9629% | 3,217 |
| Earnings coverage of net charge-offs (x) | 1.6338% | 3,606 |
| Efficiency ratio | 71.0875% | 2,036 |
| Assets per employee ($millions) | 9.0440% | 460 |
| Cash dividends to net income (ytd only)* | 52.2802% | 1,847 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0583% | 3,330 |
| Loan loss allowance to noncurrent loans | 191.7968% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 2,967 |
| Noncurrent loans to loans | 0.5518% | 2,618 |
| Net loans and leases to total assets | 71.1707% | 2,398 |
| Net loans and leases to deposits | 85.7855% | 2,298 |
| Net loans and leases to core deposits | 90.2213% | 2,559 |
| Total domestic deposits to total assets | 82.9636% | 3,339 |
| Equity capital to assets | 14.4942% | 839 |
| Core capital (leverage) ratio | 9.6879% | 3,909 |
| Tier 1 risk-based capital ratio | 11.9207% | 4,481 |
| Total risk-based capital ratio | 15.2874% | 3,206 |
| Memoranda: |
| Average total assets | $7,310,774,600 | 173 |
| Average earning assets | $6,514,043,000 | 172 |
| Average equity | $1,031,352,400 | 157 |
| Average total loans | $5,160,094,400 | 170 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7424% | 4,562 |
| Cost of funding earning assets | 0.6577% | 2,102 |
| Net interest margin | 3.0846% | 4,731 |
| Noninterest income to average assets | 0.6580% | 2,033 |
| Noninterest expense to average assets | 2.3755% | 3,910 |
| Loan and lease loss provision to assets | 0.2168% | 769 |
| Net operating income to assets | 0.6832% | 4,280 |
| Return on assets (ROA) | 0.6859% | 4,282 |
| Pretax return on assets | 0.8165% | 4,252 |
| Return on Equity (ROE) | 4.8952% | 4,596 |
| Retained earnings to average equity (ytd only) | 3.3370% | 4,081 |
| Net charge-offs to loans | 0.7455% | 187 |
| Credit loss provision to net charge-offs | 41.4035% | 2,895 |
| Earnings coverage of net charge-offs (x) | 1.9669% | 3,294 |
| Efficiency ratio | 67.3873% | 2,646 |
| Assets per employee ($millions) | 9.1523% | 428 |
| Cash dividends to net income (ytd only)* | 31.8298% | 2,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1440% | 2,940 |
| Loan loss allowance to noncurrent loans | 129.6600% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 2,338 |
| Noncurrent loans to loans | 0.8823% | 1,934 |
| Net loans and leases to total assets | 68.9782% | 2,802 |
| Net loans and leases to deposits | 82.9134% | 2,724 |
| Net loans and leases to core deposits | 87.0274% | 2,918 |
| Total domestic deposits to total assets | 83.1931% | 3,236 |
| Equity capital to assets | 14.0235% | 953 |
| Core capital (leverage) ratio | 9.8906% | 3,753 |
| Tier 1 risk-based capital ratio | 12.2737% | 4,338 |
| Total risk-based capital ratio | 15.7546% | 3,036 |
| Memoranda: |
| Average total assets | $7,343,242,500 | 171 |
| Average earning assets | $6,540,797,750 | 172 |
| Average equity | $1,028,987,250 | 156 |
| Average total loans | $5,158,776,750 | 169 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7316% | 4,513 |
| Cost of funding earning assets | 0.6024% | 2,209 |
| Net interest margin | 3.1292% | 4,664 |
| Noninterest income to average assets | 0.6876% | 1,920 |
| Noninterest expense to average assets | 2.3801% | 3,947 |
| Loan and lease loss provision to assets | 0.1010% | 1,929 |
| Net operating income to assets | 0.7705% | 3,957 |
| Return on assets (ROA) | 0.7744% | 3,947 |
| Pretax return on assets | 0.9973% | 3,671 |
| Return on Equity (ROE) | 5.5280% | 4,397 |
| Retained earnings to average equity (ytd only) | 3.9916% | 3,616 |
| Net charge-offs to loans | 0.7922% | 174 |
| Credit loss provision to net charge-offs | 18.1080% | 2,696 |
| Earnings coverage of net charge-offs (x) | 1.9601% | 3,010 |
| Efficiency ratio | 66.1969% | 2,938 |
| Assets per employee ($millions) | 8.9469% | 457 |
| Cash dividends to net income (ytd only)* | 27.7929% | 2,669 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1670% | 2,899 |
| Loan loss allowance to noncurrent loans | 146.4257% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,544 |
| Noncurrent loans to loans | 0.7970% | 2,138 |
| Net loans and leases to total assets | 69.6941% | 2,627 |
| Net loans and leases to deposits | 84.3743% | 2,491 |
| Net loans and leases to core deposits | 87.7964% | 2,739 |
| Total domestic deposits to total assets | 82.6011% | 3,524 |
| Equity capital to assets | 14.3613% | 845 |
| Core capital (leverage) ratio | 9.8537% | 3,732 |
| Tier 1 risk-based capital ratio | 12.3268% | 4,290 |
| Total risk-based capital ratio | 15.8579% | 2,982 |
| Memoranda: |
| Average total assets | $7,325,965,330 | 170 |
| Average earning assets | $6,522,405,330 | 172 |
| Average equity | $1,026,299,670 | 156 |
| Average total loans | $5,158,362,330 | 168 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7091% | 4,451 |
| Cost of funding earning assets | 0.5453% | 2,441 |
| Net interest margin | 3.1638% | 4,571 |
| Noninterest income to average assets | 0.6846% | 1,894 |
| Noninterest expense to average assets | 2.3842% | 3,987 |
| Loan and lease loss provision to assets | 0.2118% | 763 |
| Net operating income to assets | 0.6905% | 4,136 |
| Return on assets (ROA) | 0.6982% | 4,112 |
| Pretax return on assets | 0.9205% | 3,782 |
| Return on Equity (ROE) | 5.0459% | 4,472 |
| Retained earnings to average equity (ytd only) | 3.5784% | 3,771 |
| Net charge-offs to loans | 0.9230% | 148 |
| Credit loss provision to net charge-offs | 32.6112% | 2,049 |
| Earnings coverage of net charge-offs (x) | 1.7283% | 2,529 |
| Efficiency ratio | 65.7094% | 3,222 |
| Assets per employee ($millions) | 9.3322% | 397 |
| Cash dividends to net income (ytd only)* | 29.0840% | 2,175 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2974% | 2,260 |
| Loan loss allowance to noncurrent loans | 105.8179% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.8785% | 1,808 |
| Noncurrent loans to loans | 1.2260% | 1,479 |
| Net loans and leases to total assets | 70.7254% | 2,370 |
| Net loans and leases to deposits | 85.1206% | 2,282 |
| Net loans and leases to core deposits | 87.5257% | 2,677 |
| Total domestic deposits to total assets | 83.0884% | 3,641 |
| Equity capital to assets | 14.0095% | 890 |
| Core capital (leverage) ratio | 9.5300% | 4,035 |
| Tier 1 risk-based capital ratio | 11.4244% | 4,895 |
| Total risk-based capital ratio | 14.9133% | 3,472 |
| Memoranda: |
| Average total assets | $7,392,285,000 | 168 |
| Average earning assets | $6,593,764,000 | 170 |
| Average equity | $1,022,921,000 | 155 |
| Average total loans | $5,201,284,000 | 168 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7296% | 4,267 |
| Cost of funding earning assets | 0.5258% | 2,130 |
| Net interest margin | 3.2038% | 4,441 |
| Noninterest income to average assets | 0.6577% | 2,153 |
| Noninterest expense to average assets | 2.4835% | 3,841 |
| Loan and lease loss provision to assets | -0.1150% | 5,496 |
| Net operating income to assets | 0.6085% | 3,969 |
| Return on assets (ROA) | 0.6210% | 3,965 |
| Pretax return on assets | 1.1786% | 2,856 |
| Return on Equity (ROE) | 4.8029% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.8029% | 2,255 |
| Net charge-offs to loans | 0.5019% | 469 |
| Credit loss provision to net charge-offs | -33.0982% | 4,626 |
| Earnings coverage of net charge-offs (x) | 3.0044% | 3,664 |
| Efficiency ratio | 68.2176% | 2,848 |
| Assets per employee ($millions) | 9.3937% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4677% | 1,517 |
| Loan loss allowance to noncurrent loans | 129.6331% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 1,992 |
| Noncurrent loans to loans | 1.1322% | 1,563 |
| Net loans and leases to total assets | 68.0854% | 2,805 |
| Net loans and leases to deposits | 85.6701% | 2,303 |
| Net loans and leases to core deposits | 87.9907% | 2,722 |
| Total domestic deposits to total assets | 79.4740% | 4,451 |
| Equity capital to assets | 13.6702% | 995 |
| Core capital (leverage) ratio | 9.4447% | 4,109 |
| Tier 1 risk-based capital ratio | 11.4220% | 4,905 |
| Total risk-based capital ratio | 14.9702% | 3,425 |
| Memoranda: |
| Average total assets | $7,671,556,400 | 159 |
| Average earning assets | $6,871,830,600 | 158 |
| Average equity | $991,960,000 | 148 |
| Average total loans | $5,310,764,200 | 159 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7551% | 4,160 |
| Cost of funding earning assets | 0.5258% | 2,069 |
| Net interest margin | 3.2293% | 4,388 |
| Noninterest income to average assets | 0.6694% | 2,128 |
| Noninterest expense to average assets | 2.4940% | 3,758 |
| Loan and lease loss provision to assets | -0.2034% | 5,657 |
| Net operating income to assets | 0.7893% | 3,562 |
| Return on assets (ROA) | 0.8023% | 3,561 |
| Pretax return on assets | 1.2947% | 2,519 |
| Return on Equity (ROE) | 6.2923% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.2923% | 2,065 |
| Net charge-offs to loans | 0.5353% | 377 |
| Credit loss provision to net charge-offs | -54.8793% | 4,449 |
| Earnings coverage of net charge-offs (x) | 2.8889% | 3,414 |
| Efficiency ratio | 67.8081% | 2,909 |
| Assets per employee ($millions) | 9.3116% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5448% | 1,380 |
| Loan loss allowance to noncurrent loans | 119.2434% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 1,915 |
| Noncurrent loans to loans | 1.2955% | 1,474 |
| Net loans and leases to total assets | 67.9909% | 2,849 |
| Net loans and leases to deposits | 81.9909% | 2,777 |
| Net loans and leases to core deposits | 84.2692% | 3,109 |
| Total domestic deposits to total assets | 82.9250% | 3,480 |
| Equity capital to assets | 13.9598% | 1,008 |
| Core capital (leverage) ratio | 9.2811% | 4,427 |
| Tier 1 risk-based capital ratio | 11.4109% | 5,008 |
| Total risk-based capital ratio | 14.9622% | 3,506 |
| Memoranda: |
| Average total assets | $7,717,743,250 | 160 |
| Average earning assets | $6,919,874,250 | 159 |
| Average equity | $984,084,000 | 150 |
| Average total loans | $5,345,116,000 | 160 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7323% | 4,124 |
| Cost of funding earning assets | 0.5167% | 2,040 |
| Net interest margin | 3.2156% | 4,365 |
| Noninterest income to average assets | 0.6436% | 2,234 |
| Noninterest expense to average assets | 2.5170% | 3,698 |
| Loan and lease loss provision to assets | -0.0288% | 5,575 |
| Net operating income to assets | 0.6509% | 4,079 |
| Return on assets (ROA) | 0.6600% | 4,090 |
| Pretax return on assets | 1.0625% | 3,327 |
| Return on Equity (ROE) | 5.3333% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.3333% | 2,512 |
| Net charge-offs to loans | 0.8285% | 238 |
| Credit loss provision to net charge-offs | -5.0144% | 4,206 |
| Earnings coverage of net charge-offs (x) | 1.7752% | 3,247 |
| Efficiency ratio | 69.0388% | 2,845 |
| Assets per employee ($millions) | 9.9307% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6815% | 1,098 |
| Loan loss allowance to noncurrent loans | 136.5532% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 2,119 |
| Noncurrent loans to loans | 1.2314% | 1,576 |
| Net loans and leases to total assets | 66.8340% | 2,983 |
| Net loans and leases to deposits | 80.8658% | 2,822 |
| Net loans and leases to core deposits | 82.9815% | 3,176 |
| Total domestic deposits to total assets | 82.6481% | 3,670 |
| Equity capital to assets | 13.0499% | 1,350 |
| Core capital (leverage) ratio | 8.5804% | 5,164 |
| Tier 1 risk-based capital ratio | 10.6029% | 5,427 |
| Total risk-based capital ratio | 14.0791% | 4,013 |
| Memoranda: |
| Average total assets | $7,847,591,000 | 156 |
| Average earning assets | $7,059,951,000 | 157 |
| Average equity | $971,111,330 | 151 |
| Average total loans | $5,439,926,000 | 157 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6731% | 4,192 |
| Cost of funding earning assets | 0.5127% | 1,984 |
| Net interest margin | 3.1604% | 4,469 |
| Noninterest income to average assets | 0.5818% | 2,499 |
| Noninterest expense to average assets | 2.5238% | 3,732 |
| Loan and lease loss provision to assets | 0.3009% | 448 |
| Net operating income to assets | 0.3693% | 5,025 |
| Return on assets (ROA) | 0.3861% | 5,010 |
| Pretax return on assets | 0.6335% | 4,650 |
| Return on Equity (ROE) | 3.2045% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.2045% | 3,827 |
| Net charge-offs to loans | 0.3710% | 495 |
| Credit loss provision to net charge-offs | 115.9285% | 1,434 |
| Earnings coverage of net charge-offs (x) | 3.4992% | 2,477 |
| Efficiency ratio | 71.3629% | 2,682 |
| Assets per employee ($millions) | 10.5187% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0660% | 592 |
| Loan loss allowance to noncurrent loans | 128.9466% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 1,628 |
| Noncurrent loans to loans | 1.6022% | 1,210 |
| Net loans and leases to total assets | 66.6369% | 2,874 |
| Net loans and leases to deposits | 79.0662% | 2,854 |
| Net loans and leases to core deposits | 81.5677% | 3,135 |
| Total domestic deposits to total assets | 84.2799% | 3,367 |
| Equity capital to assets | 12.3455% | 1,632 |
| Core capital (leverage) ratio | 8.1898% | 5,457 |
| Tier 1 risk-based capital ratio | 9.8738% | 5,726 |
| Total risk-based capital ratio | 13.2601% | 4,608 |
| Memoranda: |
| Average total assets | $7,933,157,000 | 154 |
| Average earning assets | $7,155,007,000 | 155 |
| Average equity | $955,781,500 | 152 |
| Average total loans | $5,550,772,500 | 154 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1821% | 2,544 |
| Cost of funding earning assets | 0.4869% | 2,192 |
| Net interest margin | 3.6951% | 2,713 |
| Noninterest income to average assets | 0.8060% | 1,731 |
| Noninterest expense to average assets | 2.2208% | 4,725 |
| Loan and lease loss provision to assets | 1.7164% | 50 |
| Net operating income to assets | 0.1563% | 5,488 |
| Return on assets (ROA) | 0.1563% | 5,528 |
| Pretax return on assets | 0.2162% | 5,484 |
| Return on Equity (ROE) | 1.2533% | 5,527 |
| Retained earnings to average equity (ytd only) | -0.7068% | 5,412 |
| Net charge-offs to loans | 0.9971% | 185 |
| Credit loss provision to net charge-offs | 214.9500% | 1,320 |
| Earnings coverage of net charge-offs (x) | 2.4202% | 3,834 |
| Efficiency ratio | 51.8992% | 5,389 |
| Assets per employee ($millions) | 9.4403% | 366 |
| Cash dividends to net income (ytd only)* | 156.3995% | 142 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9652% | 704 |
| Loan loss allowance to noncurrent loans | 116.9499% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 1,480 |
| Noncurrent loans to loans | 1.6804% | 1,148 |
| Net loans and leases to total assets | 70.5073% | 2,403 |
| Net loans and leases to deposits | 83.1084% | 2,531 |
| Net loans and leases to core deposits | 85.9562% | 2,853 |
| Total domestic deposits to total assets | 84.8377% | 3,116 |
| Equity capital to assets | 11.7465% | 1,972 |
| Core capital (leverage) ratio | 7.5428% | 5,741 |
| Tier 1 risk-based capital ratio | 8.7789% | 5,866 |
| Total risk-based capital ratio | 12.1062% | 5,306 |
| Memoranda: |
| Average total assets | $7,328,165,800 | 160 |
| Average earning assets | $6,638,283,400 | 157 |
| Average equity | $913,936,000 | 153 |
| Average total loans | $5,868,728,600 | 137 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2385% | 2,382 |
| Cost of funding earning assets | 0.4735% | 2,332 |
| Net interest margin | 3.7650% | 2,472 |
| Noninterest income to average assets | 0.6124% | 2,600 |
| Noninterest expense to average assets | 2.0695% | 5,066 |
| Loan and lease loss provision to assets | 1.0444% | 95 |
| Net operating income to assets | 0.5639% | 4,440 |
| Return on assets (ROA) | 0.5639% | 4,542 |
| Pretax return on assets | 0.9127% | 3,935 |
| Return on Equity (ROE) | 4.4507% | 4,739 |
| Retained earnings to average equity (ytd only) | 1.8287% | 4,771 |
| Net charge-offs to loans | 0.8867% | 204 |
| Credit loss provision to net charge-offs | 143.0760% | 1,835 |
| Earnings coverage of net charge-offs (x) | 2.6811% | 3,538 |
| Efficiency ratio | 49.8745% | 5,510 |
| Assets per employee ($millions) | 9.3334% | 370 |
| Cash dividends to net income (ytd only)* | 58.9121% | 1,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9714% | 4,553 |
| Loan loss allowance to noncurrent loans | 135.8932% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 3,140 |
| Noncurrent loans to loans | 0.7148% | 2,890 |
| Net loans and leases to total assets | 80.8005% | 782 |
| Net loans and leases to deposits | 95.7534% | 1,074 |
| Net loans and leases to core deposits | 99.4567% | 1,684 |
| Total domestic deposits to total assets | 84.3840% | 3,069 |
| Equity capital to assets | 12.2429% | 1,946 |
| Core capital (leverage) ratio | 8.1121% | 5,634 |
| Tier 1 risk-based capital ratio | 9.1465% | 5,913 |
| Total risk-based capital ratio | 12.2210% | 5,300 |
| Memoranda: |
| Average total assets | $7,189,551,500 | 162 |
| Average earning assets | $6,519,967,500 | 157 |
| Average equity | $910,936,250 | 154 |
| Average total loans | $5,918,603,000 | 135 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2855% | 2,194 |
| Cost of funding earning assets | 0.4418% | 2,643 |
| Net interest margin | 3.8437% | 2,160 |
| Noninterest income to average assets | 0.5035% | 3,167 |
| Noninterest expense to average assets | 1.9745% | 5,322 |
| Loan and lease loss provision to assets | 0.4525% | 313 |
| Net operating income to assets | 0.9529% | 2,612 |
| Return on assets (ROA) | 0.9529% | 2,757 |
| Pretax return on assets | 1.5690% | 1,462 |
| Return on Equity (ROE) | 7.4290% | 3,302 |
| Retained earnings to average equity (ytd only) | 4.9727% | 2,756 |
| Net charge-offs to loans | 0.0113% | 3,325 |
| Credit loss provision to net charge-offs | 4,869.0184% | 88 |
| Earnings coverage of net charge-offs (x) | 217.5337% | 300 |
| Efficiency ratio | 48.1129% | 5,660 |
| Assets per employee ($millions) | 9.2428% | 356 |
| Cash dividends to net income (ytd only)* | 33.0641% | 2,715 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9745% | 4,647 |
| Loan loss allowance to noncurrent loans | 75.3636% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 1,963 |
| Noncurrent loans to loans | 1.2931% | 1,746 |
| Net loans and leases to total assets | 81.2191% | 722 |
| Net loans and leases to deposits | 97.9323% | 898 |
| Net loans and leases to core deposits | 101.8080% | 1,486 |
| Total domestic deposits to total assets | 82.9339% | 3,680 |
| Equity capital to assets | 12.7365% | 1,643 |
| Core capital (leverage) ratio | 8.5195% | 5,348 |
| Tier 1 risk-based capital ratio | 9.7363% | 5,909 |
| Total risk-based capital ratio | 12.9311% | 4,939 |
| Memoranda: |
| Average total assets | $7,016,260,670 | 162 |
| Average earning assets | $6,375,029,330 | 158 |
| Average equity | $899,962,330 | 153 |
| Average total loans | $5,794,684,670 | 139 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3028% | 2,128 |
| Cost of funding earning assets | 0.4560% | 2,518 |
| Net interest margin | 3.8468% | 2,115 |
| Noninterest income to average assets | 0.2898% | 4,652 |
| Noninterest expense to average assets | 1.8181% | 5,632 |
| Loan and lease loss provision to assets | 0.2912% | 552 |
| Net operating income to assets | 1.0179% | 2,197 |
| Return on assets (ROA) | 1.0179% | 2,318 |
| Pretax return on assets | 1.6865% | 1,098 |
| Return on Equity (ROE) | 7.9053% | 2,969 |
| Retained earnings to average equity (ytd only) | 5.6723% | 2,544 |
| Net charge-offs to loans | 0.0215% | 2,501 |
| Credit loss provision to net charge-offs | 1,636.7550% | 254 |
| Earnings coverage of net charge-offs (x) | 111.1689% | 501 |
| Efficiency ratio | 46.9249% | 5,771 |
| Assets per employee ($millions) | 11.2693% | 186 |
| Cash dividends to net income (ytd only)* | 28.2465% | 2,403 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8466% | 5,241 |
| Loan loss allowance to noncurrent loans | 114.3647% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 3,150 |
| Noncurrent loans to loans | 0.7403% | 2,984 |
| Net loans and leases to total assets | 82.4443% | 513 |
| Net loans and leases to deposits | 108.9755% | 248 |
| Net loans and leases to core deposits | 114.1537% | 664 |
| Total domestic deposits to total assets | 75.6540% | 5,457 |
| Equity capital to assets | 12.7212% | 1,549 |
| Core capital (leverage) ratio | 9.2963% | 4,496 |
| Tier 1 risk-based capital ratio | 10.8010% | 5,599 |
| Total risk-based capital ratio | 11.7031% | 5,689 |
| Memoranda: |
| Average total assets | $6,790,290,000 | 165 |
| Average earning assets | $6,188,911,000 | 163 |
| Average equity | $874,348,000 | 156 |
| Average total loans | $5,629,376,000 | 141 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4742% | 1,680 |
| Cost of funding earning assets | 0.4753% | 2,396 |
| Net interest margin | 3.9989% | 1,722 |
| Noninterest income to average assets | 0.3634% | 4,307 |
| Noninterest expense to average assets | 1.8834% | 5,634 |
| Loan and lease loss provision to assets | 0.4258% | 300 |
| Net operating income to assets | 1.0137% | 2,288 |
| Return on assets (ROA) | 1.0224% | 2,327 |
| Pretax return on assets | 1.6677% | 1,067 |
| Return on Equity (ROE) | 7.1666% | 3,420 |
| Retained earnings to average equity (ytd only) | 5.8551% | 1,867 |
| Net charge-offs to loans | 0.0819% | 2,661 |
| Credit loss provision to net charge-offs | 646.3112% | 523 |
| Earnings coverage of net charge-offs (x) | 31.5674% | 1,401 |
| Efficiency ratio | 46.4407% | 5,904 |
| Assets per employee ($millions) | 10.0605% | 270 |
| Cash dividends to net income (ytd only)* | 18.3007% | 3,838 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8032% | 5,401 |
| Loan loss allowance to noncurrent loans | 188.8723% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 4,115 |
| Noncurrent loans to loans | 0.4253% | 3,936 |
| Net loans and leases to total assets | 81.9842% | 595 |
| Net loans and leases to deposits | 102.6567% | 505 |
| Net loans and leases to core deposits | 107.4701% | 1,003 |
| Total domestic deposits to total assets | 79.8625% | 4,775 |
| Equity capital to assets | 13.0382% | 1,327 |
| Core capital (leverage) ratio | 9.5858% | 4,062 |
| Tier 1 risk-based capital ratio | 10.8123% | 5,620 |
| Total risk-based capital ratio | 11.6508% | 5,742 |
| Memoranda: |
| Average total assets | $5,862,921,200 | 175 |
| Average earning assets | $5,277,950,800 | 175 |
| Average equity | $836,417,200 | 153 |
| Average total loans | $4,714,005,400 | 158 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5182% | 1,542 |
| Cost of funding earning assets | 0.4824% | 2,384 |
| Net interest margin | 4.0358% | 1,597 |
| Noninterest income to average assets | 0.3703% | 4,281 |
| Noninterest expense to average assets | 1.9382% | 5,586 |
| Loan and lease loss provision to assets | 0.3989% | 303 |
| Net operating income to assets | 1.0062% | 2,437 |
| Return on assets (ROA) | 1.0182% | 2,477 |
| Pretax return on assets | 1.6729% | 1,179 |
| Return on Equity (ROE) | 6.9615% | 3,644 |
| Retained earnings to average equity (ytd only) | 5.8215% | 2,355 |
| Net charge-offs to loans | 0.0940% | 2,224 |
| Credit loss provision to net charge-offs | 531.9423% | 618 |
| Earnings coverage of net charge-offs (x) | 27.3762% | 1,586 |
| Efficiency ratio | 47.4525% | 5,898 |
| Assets per employee ($millions) | 9.5424% | 314 |
| Cash dividends to net income (ytd only)* | 16.3755% | 3,359 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7359% | 5,647 |
| Loan loss allowance to noncurrent loans | 281.2638% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 4,650 |
| Noncurrent loans to loans | 0.2616% | 4,642 |
| Net loans and leases to total assets | 80.2952% | 783 |
| Net loans and leases to deposits | 100.2347% | 646 |
| Net loans and leases to core deposits | 105.2941% | 1,150 |
| Total domestic deposits to total assets | 80.1072% | 4,717 |
| Equity capital to assets | 13.7765% | 1,114 |
| Core capital (leverage) ratio | 9.9576% | 3,698 |
| Tier 1 risk-based capital ratio | 11.4501% | 5,402 |
| Total risk-based capital ratio | 12.2207% | 5,574 |
| Memoranda: |
| Average total assets | $5,666,157,250 | 181 |
| Average earning assets | $5,083,650,500 | 180 |
| Average equity | $828,762,000 | 154 |
| Average total loans | $4,518,486,750 | 163 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6401% | 1,187 |
| Cost of funding earning assets | 0.4934% | 2,311 |
| Net interest margin | 4.1467% | 1,233 |
| Noninterest income to average assets | 0.3405% | 4,520 |
| Noninterest expense to average assets | 2.0185% | 5,491 |
| Loan and lease loss provision to assets | 0.3406% | 394 |
| Net operating income to assets | 1.0313% | 2,221 |
| Return on assets (ROA) | 1.0398% | 2,297 |
| Pretax return on assets | 1.7055% | 1,078 |
| Return on Equity (ROE) | 6.9571% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.0191% | 2,232 |
| Net charge-offs to loans | 0.0799% | 2,254 |
| Credit loss provision to net charge-offs | 537.7586% | 597 |
| Earnings coverage of net charge-offs (x) | 32.0931% | 1,309 |
| Efficiency ratio | 48.6944% | 5,921 |
| Assets per employee ($millions) | 9.1287% | 353 |
| Cash dividends to net income (ytd only)* | 13.4834% | 3,380 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6623% | 5,879 |
| Loan loss allowance to noncurrent loans | 324.8570% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 4,954 |
| Noncurrent loans to loans | 0.2039% | 4,955 |
| Net loans and leases to total assets | 78.8379% | 957 |
| Net loans and leases to deposits | 100.0755% | 652 |
| Net loans and leases to core deposits | 105.6611% | 1,092 |
| Total domestic deposits to total assets | 78.7784% | 5,142 |
| Equity capital to assets | 14.3822% | 851 |
| Core capital (leverage) ratio | 9.9824% | 3,630 |
| Tier 1 risk-based capital ratio | 12.2068% | 4,995 |
| Total risk-based capital ratio | 12.9171% | 5,275 |
| Memoranda: |
| Average total assets | $5,493,707,670 | 186 |
| Average earning assets | $4,916,246,670 | 186 |
| Average equity | $821,059,000 | 154 |
| Average total loans | $4,357,360,000 | 167 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3567% | 1,918 |
| Cost of funding earning assets | 0.5094% | 2,207 |
| Net interest margin | 3.8473% | 2,081 |
| Noninterest income to average assets | 0.2168% | 5,404 |
| Noninterest expense to average assets | 2.0137% | 5,553 |
| Loan and lease loss provision to assets | 0.2675% | 592 |
| Net operating income to assets | 0.8322% | 3,100 |
| Return on assets (ROA) | 0.8322% | 3,229 |
| Pretax return on assets | 1.3650% | 2,021 |
| Return on Equity (ROE) | 5.4554% | 4,309 |
| Retained earnings to average equity (ytd only) | 4.6727% | 3,224 |
| Net charge-offs to loans | 0.1635% | 1,292 |
| Credit loss provision to net charge-offs | 206.3768% | 1,028 |
| Earnings coverage of net charge-offs (x) | 12.5959% | 1,786 |
| Efficiency ratio | 53.9357% | 5,686 |
| Assets per employee ($millions) | 9.1938% | 337 |
| Cash dividends to net income (ytd only)* | 14.3463% | 2,658 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5710% | 6,092 |
| Loan loss allowance to noncurrent loans | 259.1728% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 4,944 |
| Noncurrent loans to loans | 0.2203% | 4,987 |
| Net loans and leases to total assets | 77.8867% | 948 |
| Net loans and leases to deposits | 99.7337% | 577 |
| Net loans and leases to core deposits | 105.4745% | 971 |
| Total domestic deposits to total assets | 78.0946% | 5,431 |
| Equity capital to assets | 14.8233% | 749 |
| Core capital (leverage) ratio | 10.4029% | 3,096 |
| Tier 1 risk-based capital ratio | 12.9147% | 4,652 |
| Total risk-based capital ratio | 13.5524% | 4,957 |
| Memoranda: |
| Average total assets | $5,323,950,500 | 186 |
| Average earning assets | $4,745,570,000 | 184 |
| Average equity | $812,116,500 | 155 |
| Average total loans | $4,221,316,000 | 168 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6589% | 1,396 |
| Cost of funding earning assets | 0.5212% | 2,479 |
| Net interest margin | 4.1377% | 1,470 |
| Noninterest income to average assets | 0.2875% | 5,066 |
| Noninterest expense to average assets | 2.2483% | 5,251 |
| Loan and lease loss provision to assets | 0.1324% | 1,972 |
| Net operating income to assets | 1.0037% | 2,363 |
| Return on assets (ROA) | 0.9992% | 2,463 |
| Pretax return on assets | 1.5264% | 1,450 |
| Return on Equity (ROE) | 5.9039% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.9039% | 1,981 |
| Net charge-offs to loans | 0.0059% | 4,815 |
| Credit loss provision to net charge-offs | 2,861.5764% | 111 |
| Earnings coverage of net charge-offs (x) | 359.8966% | 149 |
| Efficiency ratio | 55.9812% | 5,667 |
| Assets per employee ($millions) | 8.6934% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5640% | 6,190 |
| Loan loss allowance to noncurrent loans | 272.0222% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 5,022 |
| Noncurrent loans to loans | 0.2073% | 5,073 |
| Net loans and leases to total assets | 79.8808% | 749 |
| Net loans and leases to deposits | 106.9247% | 326 |
| Net loans and leases to core deposits | 114.4230% | 582 |
| Total domestic deposits to total assets | 74.7076% | 5,887 |
| Equity capital to assets | 15.7251% | 574 |
| Core capital (leverage) ratio | 11.2911% | 2,144 |
| Tier 1 risk-based capital ratio | 13.2618% | 4,559 |
| Total risk-based capital ratio | 13.8680% | 4,877 |
| Memoranda: |
| Average total assets | $4,386,065,200 | 207 |
| Average earning assets | $3,844,137,800 | 209 |
| Average equity | $742,338,800 | 162 |
| Average total loans | $3,451,486,200 | 185 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7403% | 1,211 |
| Cost of funding earning assets | 0.5142% | 2,616 |
| Net interest margin | 4.2261% | 1,205 |
| Noninterest income to average assets | 0.3075% | 4,981 |
| Noninterest expense to average assets | 2.2962% | 5,123 |
| Loan and lease loss provision to assets | 0.1372% | 1,823 |
| Net operating income to assets | 0.9958% | 2,463 |
| Return on assets (ROA) | 0.9897% | 2,564 |
| Pretax return on assets | 1.5522% | 1,477 |
| Return on Equity (ROE) | 5.7248% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.7248% | 2,588 |
| Net charge-offs to loans | 0.0082% | 4,429 |
| Credit loss provision to net charge-offs | 2,134.9754% | 166 |
| Earnings coverage of net charge-offs (x) | 264.3299% | 256 |
| Efficiency ratio | 55.9846% | 5,665 |
| Assets per employee ($millions) | 8.2278% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5781% | 6,254 |
| Loan loss allowance to noncurrent loans | 241.2528% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 4,961 |
| Noncurrent loans to loans | 0.2396% | 5,181 |
| Net loans and leases to total assets | 78.5357% | 892 |
| Net loans and leases to deposits | 105.6297% | 345 |
| Net loans and leases to core deposits | 113.1772% | 612 |
| Total domestic deposits to total assets | 74.3500% | 5,986 |
| Equity capital to assets | 16.6129% | 479 |
| Core capital (leverage) ratio | 11.7405% | 1,874 |
| Tier 1 risk-based capital ratio | 13.9771% | 4,234 |
| Total risk-based capital ratio | 14.5949% | 4,579 |
| Memoranda: |
| Average total assets | $4,211,169,250 | 208 |
| Average earning assets | $3,674,556,000 | 210 |
| Average equity | $727,993,000 | 164 |
| Average total loans | $3,292,982,500 | 188 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9434% | 831 |
| Cost of funding earning assets | 0.5025% | 2,810 |
| Net interest margin | 4.4409% | 792 |
| Noninterest income to average assets | 0.2884% | 5,117 |
| Noninterest expense to average assets | 2.3406% | 5,055 |
| Loan and lease loss provision to assets | -0.0106% | 6,233 |
| Net operating income to assets | 1.1647% | 1,706 |
| Return on assets (ROA) | 1.1647% | 1,776 |
| Pretax return on assets | 1.8094% | 826 |
| Return on Equity (ROE) | 6.6363% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.6363% | 1,957 |
| Net charge-offs to loans | 0.0033% | 4,277 |
| Credit loss provision to net charge-offs | -411.5385% | 5,524 |
| Earnings coverage of net charge-offs (x) | 698.8846% | 97 |
| Efficiency ratio | 55.0443% | 5,828 |
| Assets per employee ($millions) | 7.5068% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5025% | 6,409 |
| Loan loss allowance to noncurrent loans | 188.6716% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 4,900 |
| Noncurrent loans to loans | 0.2663% | 5,224 |
| Net loans and leases to total assets | 78.2212% | 886 |
| Net loans and leases to deposits | 107.6540% | 259 |
| Net loans and leases to core deposits | 115.7068% | 488 |
| Total domestic deposits to total assets | 72.6598% | 6,205 |
| Equity capital to assets | 17.8409% | 335 |
| Core capital (leverage) ratio | 12.1099% | 1,596 |
| Tier 1 risk-based capital ratio | 14.7812% | 3,760 |
| Total risk-based capital ratio | 15.3286% | 4,137 |
| Memoranda: |
| Average total assets | $4,040,643,670 | 212 |
| Average earning assets | $3,503,934,670 | 214 |
| Average equity | $709,129,000 | 165 |
| Average total loans | $3,147,107,330 | 190 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2561% | 445 |
| Cost of funding earning assets | 0.4916% | 2,997 |
| Net interest margin | 4.7646% | 408 |
| Noninterest income to average assets | 0.1948% | 5,796 |
| Noninterest expense to average assets | 2.2462% | 5,337 |
| Loan and lease loss provision to assets | -0.0204% | 6,423 |
| Net operating income to assets | 1.3646% | 1,068 |
| Return on assets (ROA) | 1.3646% | 1,113 |
| Pretax return on assets | 2.0867% | 438 |
| Return on Equity (ROE) | 7.8483% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.8483% | 1,659 |
| Net charge-offs to loans | 0.0039% | 3,596 |
| Credit loss provision to net charge-offs | -682.7586% | 5,250 |
| Earnings coverage of net charge-offs (x) | 692.5172% | 45 |
| Efficiency ratio | 50.5905% | 6,221 |
| Assets per employee ($millions) | 7.1057% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5423% | 6,466 |
| Loan loss allowance to noncurrent loans | 281.6694% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 4,935 |
| Noncurrent loans to loans | 0.1925% | 5,513 |
| Net loans and leases to total assets | 78.2043% | 748 |
| Net loans and leases to deposits | 105.8964% | 239 |
| Net loans and leases to core deposits | 114.6214% | 444 |
| Total domestic deposits to total assets | 73.8499% | 6,255 |
| Equity capital to assets | 16.9254% | 405 |
| Core capital (leverage) ratio | 10.5759% | 2,840 |
| Tier 1 risk-based capital ratio | 12.7805% | 5,135 |
| Total risk-based capital ratio | 13.3816% | 5,485 |
| Memoranda: |
| Average total assets | $3,887,738,000 | 217 |
| Average earning assets | $3,359,951,000 | 219 |
| Average equity | $675,970,500 | 168 |
| Average total loans | $3,012,151,500 | 194 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2288% | 597 |
| Cost of funding earning assets | 0.4816% | 3,800 |
| Net interest margin | 4.7472% | 477 |
| Noninterest income to average assets | 0.3979% | 4,460 |
| Noninterest expense to average assets | 3.1657% | 2,530 |
| Loan and lease loss provision to assets | -0.0042% | 6,257 |
| Net operating income to assets | 4.3957% | 57 |
| Return on assets (ROA) | 4.3990% | 56 |
| Pretax return on assets | 1.3100% | 2,108 |
| Return on Equity (ROE) | 24.2721% | 140 |
| Retained earnings to average equity (ytd only) | 24.2721% | 52 |
| Net charge-offs to loans | 0.0003% | 5,473 |
| Credit loss provision to net charge-offs | -1,957.1429% | 6,316 |
| Earnings coverage of net charge-offs (x) | 6,053.1429% | 5 |
| Efficiency ratio | 69.2898% | 3,960 |
| Assets per employee ($millions) | 6.7136% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6117% | 6,458 |
| Loan loss allowance to noncurrent loans | 177.6929% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 4,533 |
| Noncurrent loans to loans | 0.3442% | 5,150 |
| Net loans and leases to total assets | 75.7681% | 1,108 |
| Net loans and leases to deposits | 103.0936% | 355 |
| Net loans and leases to core deposits | 111.7522% | 547 |
| Total domestic deposits to total assets | 73.4944% | 6,318 |
| Equity capital to assets | 17.8858% | 329 |
| Core capital (leverage) ratio | 10.3082% | 3,142 |
| Tier 1 risk-based capital ratio | 13.1447% | 4,891 |
| Total risk-based capital ratio | 13.8156% | 5,198 |
| Memoranda: |
| Average total assets | $3,253,302,600 | 236 |
| Average earning assets | $2,789,364,800 | 244 |
| Average equity | $589,614,800 | 175 |
| Average total loans | $2,463,686,400 | 208 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4178% | 426 |
| Cost of funding earning assets | 0.4734% | 4,037 |
| Net interest margin | 4.9445% | 349 |
| Noninterest income to average assets | 0.4370% | 4,248 |
| Noninterest expense to average assets | 3.0959% | 2,667 |
| Loan and lease loss provision to assets | 0.0367% | 4,283 |
| Net operating income to assets | 5.7836% | 36 |
| Return on assets (ROA) | 5.7882% | 35 |
| Pretax return on assets | 1.5453% | 1,480 |
| Return on Equity (ROE) | 31.8128% | 59 |
| Retained earnings to average equity (ytd only) | 31.8128% | 27 |
| Net charge-offs to loans | 0.0004% | 5,209 |
| Credit loss provision to net charge-offs | 12,300.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 5,294.7588% | 5 |
| Efficiency ratio | 64.7514% | 4,690 |
| Assets per employee ($millions) | 6.4241% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7043% | 6,430 |
| Loan loss allowance to noncurrent loans | 191.5723% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6105% | 4,606 |
| Noncurrent loans to loans | 0.3676% | 5,295 |
| Net loans and leases to total assets | 74.7860% | 1,162 |
| Net loans and leases to deposits | 104.1520% | 292 |
| Net loans and leases to core deposits | 113.6440% | 458 |
| Total domestic deposits to total assets | 71.8047% | 6,509 |
| Equity capital to assets | 19.0577% | 250 |
| Core capital (leverage) ratio | 11.0842% | 2,398 |
| Tier 1 risk-based capital ratio | 13.8155% | 4,563 |
| Total risk-based capital ratio | 14.5899% | 4,814 |
| Memoranda: |
| Average total assets | $3,131,764,000 | 241 |
| Average earning assets | $2,683,205,000 | 251 |
| Average equity | $569,811,000 | 177 |
| Average total loans | $2,366,920,000 | 213 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7961% | 241 |
| Cost of funding earning assets | 0.4673% | 4,236 |
| Net interest margin | 5.3288% | 177 |
| Noninterest income to average assets | 0.6179% | 3,087 |
| Noninterest expense to average assets | 3.3086% | 2,048 |
| Loan and lease loss provision to assets | 0.1394% | 2,582 |
| Net operating income to assets | 1.7542% | 567 |
| Return on assets (ROA) | 1.7614% | 600 |
| Pretax return on assets | 1.7632% | 994 |
| Return on Equity (ROE) | 9.8603% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.8603% | 879 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2094% | 5,148 |
| Assets per employee ($millions) | 6.1584% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8205% | 6,318 |
| Loan loss allowance to noncurrent loans | 123.6898% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 3,975 |
| Noncurrent loans to loans | 0.6634% | 4,615 |
| Net loans and leases to total assets | 74.5824% | 1,163 |
| Net loans and leases to deposits | 103.4182% | 284 |
| Net loans and leases to core deposits | 113.9261% | 435 |
| Total domestic deposits to total assets | 72.1173% | 6,555 |
| Equity capital to assets | 17.3435% | 386 |
| Core capital (leverage) ratio | 10.6149% | 2,749 |
| Tier 1 risk-based capital ratio | 14.6582% | 3,994 |
| Total risk-based capital ratio | 15.6143% | 4,141 |
| Memoranda: |
| Average total assets | $3,017,208,000 | 247 |
| Average earning assets | $2,596,727,330 | 259 |
| Average equity | $538,969,330 | 183 |
| Average total loans | $2,283,369,000 | 221 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1497% | 679 |
| Cost of funding earning assets | 0.4519% | 4,576 |
| Net interest margin | 4.6978% | 470 |
| Noninterest income to average assets | 0.3342% | 5,024 |
| Noninterest expense to average assets | 3.4203% | 1,784 |
| Loan and lease loss provision to assets | -0.1381% | 6,862 |
| Net operating income to assets | 1.0766% | 1,945 |
| Return on assets (ROA) | 1.0766% | 2,051 |
| Pretax return on assets | 1.0789% | 3,031 |
| Return on Equity (ROE) | 5.9328% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.9328% | 2,713 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7471% | 2,805 |
| Assets per employee ($millions) | 5.8702% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7267% | 6,554 |
| Loan loss allowance to noncurrent loans | 44.0688% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 3,139 |
| Noncurrent loans to loans | 1.6491% | 3,070 |
| Net loans and leases to total assets | 75.4534% | 905 |
| Net loans and leases to deposits | 107.3203% | 174 |
| Net loans and leases to core deposits | 117.2438% | 323 |
| Total domestic deposits to total assets | 70.3067% | 6,748 |
| Equity capital to assets | 17.8793% | 349 |
| Core capital (leverage) ratio | 10.5675% | 2,690 |
| Tier 1 risk-based capital ratio | 14.1165% | 4,415 |
| Total risk-based capital ratio | 14.9419% | 4,693 |
| Memoranda: |
| Average total assets | $2,930,775,000 | 257 |
| Average earning assets | $2,512,148,500 | 272 |
| Average equity | $531,819,500 | 188 |
| Average total loans | $2,225,595,000 | 229 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4273% | 139 |
| Cost of funding earning assets | 0.4719% | 5,408 |
| Net interest margin | 5.9554% | 89 |
| Noninterest income to average assets | 0.4665% | 4,129 |
| Noninterest expense to average assets | 4.1552% | 819 |
| Loan and lease loss provision to assets | 0.4158% | 1,545 |
| Net operating income to assets | 0.8888% | 2,872 |
| Return on assets (ROA) | 0.8890% | 3,113 |
| Pretax return on assets | 0.8774% | 3,999 |
| Return on Equity (ROE) | 4.4562% | 4,955 |
| Retained earnings to average equity (ytd only) | 4.4562% | 3,099 |
| Net charge-offs to loans | 0.0027% | 5,953 |
| Credit loss provision to net charge-offs | 22,268.7500% | 9 |
| Earnings coverage of net charge-offs (x) | 692.5417% | 57 |
| Efficiency ratio | 74.8115% | 2,930 |
| Assets per employee ($millions) | 5.5036% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8097% | 6,469 |
| Loan loss allowance to noncurrent loans | 38.4519% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 1.8331% | 2,672 |
| Noncurrent loans to loans | 2.1058% | 2,573 |
| Net loans and leases to total assets | 75.2543% | 1,016 |
| Net loans and leases to deposits | 107.4335% | 195 |
| Net loans and leases to core deposits | 116.2861% | 351 |
| Total domestic deposits to total assets | 70.0473% | 6,780 |
| Equity capital to assets | 18.4257% | 300 |
| Core capital (leverage) ratio | 11.1514% | 2,125 |
| Tier 1 risk-based capital ratio | 14.1624% | 4,272 |
| Total risk-based capital ratio | 15.0708% | 4,470 |
| Memoranda: |
| Average total assets | $2,570,887,800 | 280 |
| Average earning assets | $2,150,569,800 | 302 |
| Average equity | $512,858,000 | 189 |
| Average total loans | $1,791,709,200 | 268 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7359% | 101 |
| Cost of funding earning assets | 0.4846% | 5,541 |
| Net interest margin | 6.2513% | 71 |
| Noninterest income to average assets | 0.4957% | 3,960 |
| Noninterest expense to average assets | 4.3222% | 647 |
| Loan and lease loss provision to assets | 0.4599% | 1,351 |
| Net operating income to assets | 0.9168% | 2,900 |
| Return on assets (ROA) | 0.9170% | 3,122 |
| Pretax return on assets | 0.9131% | 4,055 |
| Return on Equity (ROE) | 4.4983% | 5,042 |
| Retained earnings to average equity (ytd only) | 4.4983% | 3,730 |
| Net charge-offs to loans | 0.0039% | 5,708 |
| Credit loss provision to net charge-offs | 17,583.6735% | 8 |
| Earnings coverage of net charge-offs (x) | 524.9320% | 82 |
| Efficiency ratio | 74.4871% | 2,903 |
| Assets per employee ($millions) | 5.0012% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8150% | 6,568 |
| Loan loss allowance to noncurrent loans | 38.2700% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 1.7540% | 2,972 |
| Noncurrent loans to loans | 2.1296% | 2,692 |
| Net loans and leases to total assets | 70.6650% | 1,789 |
| Net loans and leases to deposits | 93.1772% | 856 |
| Net loans and leases to core deposits | 100.3167% | 1,101 |
| Total domestic deposits to total assets | 75.8394% | 6,404 |
| Equity capital to assets | 19.5320% | 263 |
| Core capital (leverage) ratio | 11.9263% | 1,701 |
| Tier 1 risk-based capital ratio | 15.5145% | 3,525 |
| Total risk-based capital ratio | 16.4142% | 3,680 |
| Memoranda: |
| Average total assets | $2,498,136,250 | 290 |
| Average earning assets | $2,077,721,000 | 310 |
| Average equity | $509,241,750 | 192 |
| Average total loans | $1,696,816,750 | 277 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1541% | 75 |
| Cost of funding earning assets | 0.4863% | 5,716 |
| Net interest margin | 6.6678% | 62 |
| Noninterest income to average assets | 0.4124% | 4,564 |
| Noninterest expense to average assets | 4.4937% | 555 |
| Loan and lease loss provision to assets | 0.7283% | 721 |
| Net operating income to assets | 0.7505% | 3,600 |
| Return on assets (ROA) | 0.7508% | 3,875 |
| Pretax return on assets | 0.7211% | 4,768 |
| Return on Equity (ROE) | 3.6277% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.6277% | 4,182 |
| Net charge-offs to loans | 0.0060% | 5,405 |
| Credit loss provision to net charge-offs | 18,138.7755% | 11 |
| Earnings coverage of net charge-offs (x) | 360.8980% | 114 |
| Efficiency ratio | 74.2023% | 3,043 |
| Assets per employee ($millions) | 4.8645% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8929% | 6,479 |
| Loan loss allowance to noncurrent loans | 25.5307% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 2.9594% | 1,860 |
| Noncurrent loans to loans | 3.4974% | 1,639 |
| Net loans and leases to total assets | 70.8730% | 1,762 |
| Net loans and leases to deposits | 93.9626% | 775 |
| Net loans and leases to core deposits | 100.0295% | 1,099 |
| Total domestic deposits to total assets | 75.4268% | 6,538 |
| Equity capital to assets | 20.6981% | 211 |
| Core capital (leverage) ratio | 11.8226% | 1,707 |
| Tier 1 risk-based capital ratio | 16.1841% | 3,079 |
| Total risk-based capital ratio | 17.1635% | 3,175 |
| Memoranda: |
| Average total assets | $2,440,641,330 | 294 |
| Average earning assets | $2,024,315,000 | 313 |
| Average equity | $505,113,670 | 193 |
| Average total loans | $1,628,188,330 | 285 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0872% | 271 |
| Cost of funding earning assets | 0.4320% | 6,242 |
| Net interest margin | 5.6552% | 149 |
| Noninterest income to average assets | 0.4377% | 4,400 |
| Noninterest expense to average assets | 4.5529% | 530 |
| Loan and lease loss provision to assets | 0.0421% | 4,866 |
| Net operating income to assets | 0.6071% | 4,313 |
| Return on assets (ROA) | 0.6077% | 4,521 |
| Pretax return on assets | 0.5480% | 5,293 |
| Return on Equity (ROE) | 2.9367% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.9367% | 4,786 |
| Net charge-offs to loans | 0.0092% | 4,604 |
| Credit loss provision to net charge-offs | 708.3333% | 499 |
| Earnings coverage of net charge-offs (x) | 99.2778% | 347 |
| Efficiency ratio | 86.8954% | 1,386 |
| Assets per employee ($millions) | 4.5901% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4587% | 7,099 |
| Loan loss allowance to noncurrent loans | 13.3000% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 2.7551% | 2,131 |
| Noncurrent loans to loans | 3.4488% | 1,810 |
| Net loans and leases to total assets | 63.5028% | 2,951 |
| Net loans and leases to deposits | 82.8605% | 1,811 |
| Net loans and leases to core deposits | 87.7283% | 2,082 |
| Total domestic deposits to total assets | 76.6382% | 6,465 |
| Equity capital to assets | 20.6360% | 205 |
| Core capital (leverage) ratio | 11.7454% | 1,739 |
| Tier 1 risk-based capital ratio | 17.3885% | 2,521 |
| Total risk-based capital ratio | 17.8786% | 2,811 |
| Memoranda: |
| Average total assets | $2,425,381,500 | 294 |
| Average earning assets | $2,017,688,500 | 307 |
| Average equity | $501,928,500 | 193 |
| Average total loans | $1,558,700,000 | 288 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7393% | 6,799 |
| Cost of funding earning assets | 0.3592% | 6,988 |
| Net interest margin | 3.3800% | 5,546 |
| Noninterest income to average assets | 0.4769% | 4,014 |
| Noninterest expense to average assets | 4.3968% | 649 |
| Loan and lease loss provision to assets | 0.4057% | 2,562 |
| Net operating income to assets | -1.4292% | 6,888 |
| Return on assets (ROA) | -1.4295% | 6,909 |
| Pretax return on assets | -1.4165% | 6,873 |
| Return on Equity (ROE) | -5.3793% | 6,552 |
| Retained earnings to average equity (ytd only) | -5.3793% | 6,477 |
| Net charge-offs to loans | 0.0220% | 6,137 |
| Credit loss provision to net charge-offs | 3,646.2857% | 66 |
| Earnings coverage of net charge-offs (x) | -90.8343% | 6,432 |
| Efficiency ratio | 127.7119% | 247 |
| Assets per employee ($millions) | 4.3714% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4458% | 7,140 |
| Loan loss allowance to noncurrent loans | 15.4535% | 6,733 |
| Noncurrent assets plus other real estate owned to assets | 2.3815% | 2,544 |
| Noncurrent loans to loans | 2.8850% | 2,267 |
| Net loans and leases to total assets | 64.4565% | 3,087 |
| Net loans and leases to deposits | 84.6266% | 1,847 |
| Net loans and leases to core deposits | 89.9707% | 2,135 |
| Total domestic deposits to total assets | 76.1658% | 6,463 |
| Equity capital to assets | 20.7547% | 195 |
| Core capital (leverage) ratio | 12.3003% | 1,441 |
| Tier 1 risk-based capital ratio | 16.2979% | 2,908 |
| Total risk-based capital ratio | 16.7539% | 3,273 |
| Memoranda: |
| Average total assets | $1,573,007,600 | 420 |
| Average earning assets | $1,353,977,400 | 440 |
| Average equity | $418,011,800 | 210 |
| Average total loans | $797,078,400 | 513 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7801% | 7,312 |
| Cost of funding earning assets | 0.3152% | 7,191 |
| Net interest margin | 2.4649% | 7,148 |
| Noninterest income to average assets | 0.1757% | 6,329 |
| Noninterest expense to average assets | 4.6025% | 524 |
| Loan and lease loss provision to assets | 0.1400% | 4,691 |
| Net operating income to assets | -2.4165% | 7,200 |
| Return on assets (ROA) | -2.4170% | 7,206 |
| Pretax return on assets | -2.4166% | 7,191 |
| Return on Equity (ROE) | -8.2955% | 6,825 |
| Retained earnings to average equity (ytd only) | -8.2955% | 6,778 |
| Net charge-offs to loans | 0.0553% | 5,417 |
| Credit loss provision to net charge-offs | 568.6508% | 482 |
| Earnings coverage of net charge-offs (x) | -92.4846% | 6,176 |
| Efficiency ratio | 195.0462% | 55 |
| Assets per employee ($millions) | 4.4057% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1793% | 7,336 |
| Loan loss allowance to noncurrent loans | 8.9132% | 6,911 |
| Noncurrent assets plus other real estate owned to assets | 1.8505% | 3,331 |
| Noncurrent loans to loans | 2.0116% | 3,350 |
| Net loans and leases to total assets | 56.8058% | 4,716 |
| Net loans and leases to deposits | 74.8743% | 3,532 |
| Net loans and leases to core deposits | 77.5323% | 3,975 |
| Total domestic deposits to total assets | 75.8682% | 6,547 |
| Equity capital to assets | 21.1123% | 203 |
| Core capital (leverage) ratio | 11.8104% | 1,822 |
| Tier 1 risk-based capital ratio | 19.0443% | 1,918 |
| Total risk-based capital ratio | 19.2285% | 2,226 |
| Memoranda: |
| Average total assets | $1,365,198,250 | 490 |
| Average earning assets | $1,191,141,750 | 504 |
| Average equity | $397,766,250 | 221 |
| Average total loans | $607,189,750 | 695 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.2599% | 7,477 |
| Cost of funding earning assets | 0.1469% | 7,442 |
| Net interest margin | 1.1130% | 7,467 |
| Noninterest income to average assets | 0.0634% | 6,986 |
| Noninterest expense to average assets | 4.3370% | 712 |
| Loan and lease loss provision to assets | 0.1681% | 4,254 |
| Net operating income to assets | -3.4310% | 7,360 |
| Return on assets (ROA) | -3.4310% | 7,364 |
| Pretax return on assets | -3.4494% | 7,358 |
| Return on Equity (ROE) | -10.2914% | 6,950 |
| Retained earnings to average equity (ytd only) | -10.2914% | 6,893 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 406.2956% | 11 |
| Assets per employee ($millions) | 5.1111% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1617% | 7,406 |
| Loan loss allowance to noncurrent loans | 8.1079% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6247% | 3,752 |
| Noncurrent loans to loans | 1.9947% | 3,487 |
| Net loans and leases to total assets | 49.1622% | 5,926 |
| Net loans and leases to deposits | 78.2875% | 3,081 |
| Net loans and leases to core deposits | 81.8359% | 3,526 |
| Total domestic deposits to total assets | 62.7969% | 7,333 |
| Equity capital to assets | 17.8407% | 395 |
| Core capital (leverage) ratio | 35.7238% | 59 |
| Tier 1 risk-based capital ratio | 17.4561% | 2,353 |
| Total risk-based capital ratio | 17.6150% | 2,766 |
| Memoranda: |
| Average total assets | $1,194,654,330 | 557 |
| Average earning assets | $1,065,019,000 | 562 |
| Average equity | $398,274,330 | 219 |
| Average total loans | $453,565,330 | 956 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.5942% | 7,526 |
| Cost of funding earning assets | 0.1807% | 7,485 |
| Net interest margin | 1.4135% | 7,509 |
| Noninterest income to average assets | 0.4127% | 4,603 |
| Noninterest expense to average assets | 5.9843% | 199 |
| Loan and lease loss provision to assets | 0.2609% | 3,051 |
| Net operating income to assets | -4.4569% | 7,469 |
| Return on assets (ROA) | -4.4569% | 7,470 |
| Pretax return on assets | -4.4882% | 7,459 |
| Return on Equity (ROE) | -7.7551% | 6,950 |
| Retained earnings to average equity (ytd only) | -7.7551% | 6,736 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 335.9974% | 23 |
| Assets per employee ($millions) | 4.4527% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6543% | 7,136 |
| Loan loss allowance to noncurrent loans | 151.7197% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 6,888 |
| Noncurrent loans to loans | 0.4312% | 6,139 |
| Net loans and leases to total assets | 25.5433% | 7,351 |
| Net loans and leases to deposits | 61.5474% | 5,563 |
| Net loans and leases to core deposits | 64.4567% | 5,682 |
| Total domestic deposits to total assets | 41.5019% | 7,506 |
| Equity capital to assets | 56.4835% | 40 |
| Core capital (leverage) ratio | 55.9931% | 35 |
| Tier 1 risk-based capital ratio | 184.4714% | 33 |
| Total risk-based capital ratio | 185.0501% | 32 |
| Memoranda: |
| Average total assets | $700,763,500 | 953 |
| Average earning assets | $666,419,000 | 914 |
| Average equity | $402,731,000 | 214 |
| Average total loans | $143,012,500 | 2,826 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.5880% | 7,619 |
| Cost of funding earning assets | 0.0834% | 7,588 |
| Net interest margin | 0.5047% | 7,608 |
| Noninterest income to average assets | 0.0441% | 7,138 |
| Noninterest expense to average assets | 7.6413% | 125 |
| Loan and lease loss provision to assets | 0.1543% | 5,661 |
| Net operating income to assets | -7.2703% | 7,605 |
| Return on assets (ROA) | -7.2703% | 7,607 |
| Pretax return on assets | -7.2805% | 7,612 |
| Return on Equity (ROE) | -18.5953% | 7,012 |
| Retained earnings to average equity (ytd only) | -18.5953% | 6,987 |
| Net charge-offs to loans | -0.0366% | 7,419 |
| Credit loss provision to net charge-offs | -1,595.3488% | 7,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,477.1616% | 3 |
| Assets per employee ($millions) | 5.5483% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7058% | 7,132 |
| Loan loss allowance to noncurrent loans | 304.5643% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 7,147 |
| Noncurrent loans to loans | 0.2318% | 6,600 |
| Net loans and leases to total assets | 14.8884% | 7,559 |
| Net loans and leases to deposits | 37.5102% | 7,314 |
| Net loans and leases to core deposits | 39.7610% | 7,308 |
| Total domestic deposits to total assets | 39.6915% | 7,583 |
| Equity capital to assets | 58.4776% | 44 |
| Core capital (leverage) ratio | 54.5323% | 43 |
| Tier 1 risk-based capital ratio | 349.5777% | 20 |
| Total risk-based capital ratio | 350.2436% | 20 |
| Memoranda: |
| Average total assets | $444,545,600 | 1,493 |
| Average earning assets | $414,935,800 | 1,465 |
| Average equity | $173,807,400 | 399 |
| Average total loans | $117,388,800 | 3,376 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.0000% | 7,760 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 0.0000% | 7,753 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.0000% | 7,758 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0000% | 5,999 |
| Return on assets (ROA) | 0.0000% | 6,124 |
| Pretax return on assets | 0.0000% | 6,087 |
| Return on Equity (ROE) | 0.0000% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,777 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 14.1617% | 114 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 7,268 |
| Noncurrent loans to loans | 0.2335% | 6,709 |
| Net loans and leases to total assets | 15.0604% | 7,664 |
| Net loans and leases to deposits | 39.2929% | 7,390 |
| Net loans and leases to core deposits | 41.6514% | 7,387 |
| Total domestic deposits to total assets | 38.3286% | 7,688 |
| Equity capital to assets | 61.1382% | 45 |
| Core capital (leverage) ratio | 157.5144% | 1 |
| Tier 1 risk-based capital ratio | 210.6132% | 37 |
| Total risk-based capital ratio | 210.6132% | 37 |
| Memoranda: |
| Average total assets | $382,296,500 | 1,745 |
| Average earning assets | $353,762,750 | 1,715 |
| Average equity | $115,867,500 | 578 |
| Average total loans | $120,738,250 | 3,353 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9831% | 7,376 |
| Cost of funding earning assets | 0.8417% | 6,780 |
| Net interest margin | 3.1415% | 6,486 |
| Noninterest income to average assets | 0.3515% | 5,337 |
| Noninterest expense to average assets | 3.5608% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.1855% | 6,340 |
| Return on assets (ROA) | -0.7738% | 6,865 |
| Pretax return on assets | -1.2649% | 6,992 |
| Return on Equity (ROE) | -20.7932% | 7,288 |
| Retained earnings to average equity (ytd only) | -20.7932% | 7,271 |
| Net charge-offs to loans | 0.0128% | 6,167 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -59.1250% | 6,361 |
| Efficiency ratio | 109.5455% | 556 |
| Assets per employee ($millions) | 5.3551% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7551% | 2,882 |
| Loan loss allowance to noncurrent loans | 97.3111% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 5,533 |
| Noncurrent loans to loans | 1.8036% | 3,999 |
| Net loans and leases to total assets | 43.0219% | 6,984 |
| Net loans and leases to deposits | 44.8440% | 7,295 |
| Net loans and leases to core deposits | 47.6151% | 7,297 |
| Total domestic deposits to total assets | 95.9368% | 28 |
| Equity capital to assets | 2.9336% | 7,757 |
| Core capital (leverage) ratio | 4.3600% | 7,662 |
| Tier 1 risk-based capital ratio | 4.3781% | 7,730 |
| Total risk-based capital ratio | 5.1744% | 7,750 |
| Memoranda: |
| Average total assets | $273,699,670 | 2,378 |
| Average earning assets | $249,501,330 | 2,400 |
| Average equity | $10,186,000 | 5,148 |
| Average total loans | $125,437,330 | 3,294 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0833% | 7,390 |
| Cost of funding earning assets | 0.8842% | 6,828 |
| Net interest margin | 3.1991% | 6,299 |
| Noninterest income to average assets | 0.3956% | 4,950 |
| Noninterest expense to average assets | 3.5899% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1632% | 6,498 |
| Return on assets (ROA) | -0.6920% | 6,979 |
| Pretax return on assets | -1.1154% | 7,106 |
| Return on Equity (ROE) | -16.8189% | 7,366 |
| Retained earnings to average equity (ytd only) | -16.8189% | 7,275 |
| Net charge-offs to loans | -0.1309% | 7,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5188% | 646 |
| Assets per employee ($millions) | 4.9384% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7168% | 3,001 |
| Loan loss allowance to noncurrent loans | 97.5045% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 5,499 |
| Noncurrent loans to loans | 1.7608% | 4,109 |
| Net loans and leases to total assets | 46.1329% | 6,819 |
| Net loans and leases to deposits | 48.6644% | 7,198 |
| Net loans and leases to core deposits | 51.2515% | 7,237 |
| Total domestic deposits to total assets | 94.7981% | 52 |
| Equity capital to assets | 4.0799% | 7,789 |
| Core capital (leverage) ratio | 4.9221% | 7,708 |
| Tier 1 risk-based capital ratio | 5.4089% | 7,775 |
| Total risk-based capital ratio | 6.3123% | 7,798 |
| Memoranda: |
| Average total assets | $273,993,500 | 2,439 |
| Average earning assets | $248,817,000 | 2,461 |
| Average equity | $11,273,000 | 4,904 |
| Average total loans | $128,357,500 | 3,291 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1057% | 6,064 |
| Cost of funding earning assets | 1.2429% | 6,495 |
| Net interest margin | 3.8628% | 3,423 |
| Noninterest income to average assets | 0.3446% | 5,624 |
| Noninterest expense to average assets | 3.6031% | 2,137 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1677% | 5,002 |
| Return on assets (ROA) | -0.6307% | 6,297 |
| Pretax return on assets | -1.0309% | 6,429 |
| Return on Equity (ROE) | -14.3786% | 6,901 |
| Retained earnings to average equity (ytd only) | -14.3786% | 6,844 |
| Net charge-offs to loans | 0.3086% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 1.3609% | 4,770 |
| Efficiency ratio | 93.3068% | 1,457 |
| Assets per employee ($millions) | 5.2096% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6018% | 3,273 |
| Loan loss allowance to noncurrent loans | 95.1242% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 5,527 |
| Noncurrent loans to loans | 1.6839% | 4,123 |
| Net loans and leases to total assets | 46.0109% | 6,971 |
| Net loans and leases to deposits | 55.2952% | 6,966 |
| Net loans and leases to core deposits | 64.8747% | 7,039 |
| Total domestic deposits to total assets | 83.2096% | 4,420 |
| Equity capital to assets | 4.1469% | 7,847 |
| Core capital (leverage) ratio | 4.6421% | 7,793 |
| Tier 1 risk-based capital ratio | 5.4494% | 7,847 |
| Total risk-based capital ratio | 6.3160% | 7,867 |
| Memoranda: |
| Average total assets | $289,059,200 | 2,284 |
| Average earning assets | $260,041,400 | 2,327 |
| Average equity | $12,678,600 | 4,594 |
| Average total loans | $149,047,200 | 2,929 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3851% | 5,019 |
| Cost of funding earning assets | 1.2854% | 6,599 |
| Net interest margin | 4.0996% | 2,395 |
| Noninterest income to average assets | 0.3184% | 5,932 |
| Noninterest expense to average assets | 3.2847% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5186% | 3,905 |
| Return on assets (ROA) | -0.5388% | 6,465 |
| Pretax return on assets | -0.9448% | 6,640 |
| Return on Equity (ROE) | -12.1249% | 7,030 |
| Retained earnings to average equity (ytd only) | -12.1249% | 6,953 |
| Net charge-offs to loans | 0.3980% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 3.3712% | 3,559 |
| Efficiency ratio | 81.3153% | 2,677 |
| Assets per employee ($millions) | 5.3346% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4973% | 3,462 |
| Loan loss allowance to noncurrent loans | 933.1858% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 7,357 |
| Noncurrent loans to loans | 0.1604% | 7,084 |
| Net loans and leases to total assets | 48.1640% | 6,939 |
| Net loans and leases to deposits | 57.5438% | 6,994 |
| Net loans and leases to core deposits | 68.0964% | 7,069 |
| Total domestic deposits to total assets | 83.6997% | 3,859 |
| Equity capital to assets | 4.2417% | 7,992 |
| Core capital (leverage) ratio | 4.6712% | 7,946 |
| Tier 1 risk-based capital ratio | 5.3065% | 7,984 |
| Total risk-based capital ratio | 6.1414% | 8,008 |
| Memoranda: |
| Average total assets | $290,995,000 | 2,297 |
| Average earning assets | $260,764,000 | 2,332 |
| Average equity | $12,931,750 | 4,561 |
| Average total loans | $153,423,250 | 2,893 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6869% | 3,622 |
| Cost of funding earning assets | 1.3723% | 6,574 |
| Net interest margin | 4.3146% | 1,616 |
| Noninterest income to average assets | 0.3000% | 6,116 |
| Noninterest expense to average assets | 3.2229% | 3,260 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6154% | 3,618 |
| Return on assets (ROA) | -0.1171% | 6,078 |
| Pretax return on assets | -0.2233% | 6,149 |
| Return on Equity (ROE) | -2.5969% | 6,309 |
| Retained earnings to average equity (ytd only) | -2.5969% | 5,886 |
| Net charge-offs to loans | 0.5812% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 2.9367% | 3,630 |
| Efficiency ratio | 76.8430% | 3,533 |
| Assets per employee ($millions) | 5.1722% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4150% | 3,650 |
| Loan loss allowance to noncurrent loans | 163.9969% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 5,760 |
| Noncurrent loans to loans | 0.8628% | 5,490 |
| Net loans and leases to total assets | 50.7316% | 6,805 |
| Net loans and leases to deposits | 60.9237% | 6,821 |
| Net loans and leases to core deposits | 71.7736% | 6,911 |
| Total domestic deposits to total assets | 83.2707% | 4,117 |
| Equity capital to assets | 4.6254% | 8,062 |
| Core capital (leverage) ratio | 4.5102% | 8,053 |
| Tier 1 risk-based capital ratio | 5.4037% | 8,082 |
| Total risk-based capital ratio | 6.2931% | 8,105 |
| Memoranda: |
| Average total assets | $291,970,670 | 2,303 |
| Average earning assets | $260,141,000 | 2,350 |
| Average equity | $13,169,330 | 4,503 |
| Average total loans | $157,613,000 | 2,863 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0420% | 2,187 |
| Cost of funding earning assets | 1.4711% | 6,498 |
| Net interest margin | 4.5709% | 993 |
| Noninterest income to average assets | 0.3616% | 5,549 |
| Noninterest expense to average assets | 3.3022% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6396% | 3,841 |
| Return on assets (ROA) | 0.8597% | 3,028 |
| Pretax return on assets | 1.4396% | 1,848 |
| Return on Equity (ROE) | 19.3022% | 476 |
| Retained earnings to average equity (ytd only) | 19.3022% | 185 |
| Net charge-offs to loans | 0.0667% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 29.7407% | 1,063 |
| Efficiency ratio | 74.2166% | 3,787 |
| Assets per employee ($millions) | 4.8206% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6064% | 2,487 |
| Loan loss allowance to noncurrent loans | 161.4749% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 5,846 |
| Noncurrent loans to loans | 0.9948% | 5,006 |
| Net loans and leases to total assets | 53.7879% | 6,494 |
| Net loans and leases to deposits | 64.3061% | 6,530 |
| Net loans and leases to core deposits | 75.2555% | 6,734 |
| Total domestic deposits to total assets | 83.6436% | 3,862 |
| Equity capital to assets | 4.1889% | 8,155 |
| Core capital (leverage) ratio | 4.5255% | 8,148 |
| Tier 1 risk-based capital ratio | 6.0821% | 8,140 |
| Total risk-based capital ratio | 7.2758% | 8,144 |
| Memoranda: |
| Average total assets | $293,135,000 | 2,313 |
| Average earning assets | $258,855,000 | 2,376 |
| Average equity | $13,055,500 | 4,567 |
| Average total loans | $161,895,000 | 2,814 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5782% | 2,589 |
| Cost of funding earning assets | 1.8336% | 6,919 |
| Net interest margin | 4.7446% | 881 |
| Noninterest income to average assets | 0.2739% | 6,497 |
| Noninterest expense to average assets | 2.7520% | 5,038 |
| Loan and lease loss provision to assets | 0.0073% | 7,277 |
| Net operating income to assets | 1.4676% | 1,080 |
| Return on assets (ROA) | -1.8840% | 7,537 |
| Pretax return on assets | -3.3105% | 7,781 |
| Return on Equity (ROE) | -35.6049% | 8,029 |
| Retained earnings to average equity (ytd only) | -42.0333% | 8,068 |
| Net charge-offs to loans | 0.0332% | 6,358 |
| Credit loss provision to net charge-offs | 39.3443% | 6,457 |
| Earnings coverage of net charge-offs (x) | 104.8361% | 412 |
| Efficiency ratio | 57.9661% | 6,705 |
| Assets per employee ($millions) | 4.7908% | 2,186 |
| Cash dividends to net income (ytd only)* | -18.0549% | 7,928 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5494% | 2,451 |
| Loan loss allowance to noncurrent loans | 217.3582% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 6,036 |
| Noncurrent loans to loans | 0.7128% | 5,257 |
| Net loans and leases to total assets | 54.9126% | 6,556 |
| Net loans and leases to deposits | 67.7860% | 6,482 |
| Net loans and leases to core deposits | 76.6309% | 6,825 |
| Total domestic deposits to total assets | 81.0088% | 4,635 |
| Equity capital to assets | 4.7116% | 8,212 |
| Core capital (leverage) ratio | 3.8182% | 8,263 |
| Tier 1 risk-based capital ratio | 5.4766% | 8,253 |
| Total risk-based capital ratio | 6.6322% | 8,254 |
| Memoranda: |
| Average total assets | $330,736,400 | 2,022 |
| Average earning assets | $307,530,400 | 1,985 |
| Average equity | $17,500,400 | 3,648 |
| Average total loans | $183,484,400 | 2,466 |
