Home > STAR Financial Bank > Performance and Condition Ratios
STAR Financial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 2,531 |
| Cost of funding earning assets | 1.5418% | 1,834 |
| Net interest margin | 3.2308% | 2,795 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 2.6336% | 1,910 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9010% | 2,544 |
| Return on assets (ROA) | 0.8828% | 2,569 |
| Pretax return on assets | 1.0746% | 2,483 |
| Return on Equity (ROE) | 13.1400% | 1,691 |
| Retained earnings to average equity (ytd only) | 13.1442% | 486 |
| Net charge-offs to loans | 0.1984% | 537 |
| Credit loss provision to net charge-offs | 77.2268% | 2,040 |
| Earnings coverage of net charge-offs (x) | 10.8592% | 2,220 |
| Efficiency ratio | 68.7653% | 2,026 |
| Assets per employee ($millions) | 6.4708% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 2,538 |
| Loan loss allowance to noncurrent loans | 476.1220% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,550 |
| Noncurrent loans to loans | 0.2420% | 2,338 |
| Net loans and leases to total assets | 55.2300% | 3,259 |
| Net loans and leases to deposits | 64.3397% | 3,274 |
| Net loans and leases to core deposits | 66.7515% | 3,459 |
| Total domestic deposits to total assets | 85.8400% | 2,065 |
| Equity capital to assets | 7.5541% | 3,686 |
| Core capital (leverage) ratio | 9.7256% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1832% | 2,175 |
| Memoranda: | ||
| Average total assets | $2,965,755,600 | 397 |
| Average earning assets | $2,742,406,400 | 391 |
| Average equity | $199,198,600 | 543 |
| Average total loans | $1,646,912,200 | 485 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6543% | 2,563 |
| Cost of funding earning assets | 1.3890% | 1,900 |
| Net interest margin | 3.2653% | 2,765 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.6330% | 1,847 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9124% | 2,635 |
| Return on assets (ROA) | 0.8882% | 2,712 |
| Pretax return on assets | 1.0810% | 2,626 |
| Return on Equity (ROE) | 13.6500% | 1,748 |
| Retained earnings to average equity (ytd only) | 13.6518% | 721 |
| Net charge-offs to loans | 0.2695% | 323 |
| Credit loss provision to net charge-offs | 98.6140% | 1,636 |
| Earnings coverage of net charge-offs (x) | 8.3215% | 2,201 |
| Efficiency ratio | 67.9229% | 2,026 |
| Assets per employee ($millions) | 6.3725% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,468 |
| Loan loss allowance to noncurrent loans | 521.2153% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 2,639 |
| Noncurrent loans to loans | 0.2267% | 2,441 |
| Net loans and leases to total assets | 56.1800% | 3,187 |
| Net loans and leases to deposits | 65.6467% | 3,157 |
| Net loans and leases to core deposits | 67.6875% | 3,344 |
| Total domestic deposits to total assets | 85.5700% | 2,328 |
| Equity capital to assets | 6.3320% | 3,885 |
| Core capital (leverage) ratio | 9.8227% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6877% | 2,014 |
| Memoranda: | ||
| Average total assets | $2,961,433,500 | 402 |
| Average earning assets | $2,737,327,750 | 393 |
| Average equity | $192,662,750 | 554 |
| Average total loans | $1,641,943,250 | 487 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5919% | 2,430 |
| Cost of funding earning assets | 1.2434% | 1,868 |
| Net interest margin | 3.3485% | 2,648 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.6365% | 1,834 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.9498% | 2,592 |
| Return on assets (ROA) | 0.9134% | 2,694 |
| Pretax return on assets | 1.1160% | 2,601 |
| Return on Equity (ROE) | 13.9200% | 1,699 |
| Retained earnings to average equity (ytd only) | 13.9158% | 690 |
| Net charge-offs to loans | 0.1950% | 408 |
| Credit loss provision to net charge-offs | 188.9099% | 1,078 |
| Earnings coverage of net charge-offs (x) | 12.5577% | 1,935 |
| Efficiency ratio | 66.1997% | 2,212 |
| Assets per employee ($millions) | 6.1927% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 1,880 |
| Loan loss allowance to noncurrent loans | 601.9448% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 2,626 |
| Noncurrent loans to loans | 0.2180% | 2,395 |
| Net loans and leases to total assets | 54.9600% | 3,196 |
| Net loans and leases to deposits | 63.6680% | 3,216 |
| Net loans and leases to core deposits | 64.8048% | 3,404 |
| Total domestic deposits to total assets | 86.3200% | 2,141 |
| Equity capital to assets | 6.8922% | 3,852 |
| Core capital (leverage) ratio | 9.4736% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6613% | 1,669 |
| Memoranda: | ||
| Average total assets | $2,960,847,667 | 392 |
| Average earning assets | $2,739,826,000 | 383 |
| Average equity | $194,340,667 | 538 |
| Average total loans | $1,627,753,000 | 472 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,700 |
| Cost of funding earning assets | 1.0576% | 1,867 |
| Net interest margin | 3.2843% | 2,920 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.6680% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9713% | 2,620 |
| Return on assets (ROA) | 0.8989% | 2,816 |
| Pretax return on assets | 1.0965% | 2,717 |
| Return on Equity (ROE) | 14.0400% | 1,761 |
| Retained earnings to average equity (ytd only) | 14.0390% | 931 |
| Net charge-offs to loans | 0.0374% | 987 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 58.0658% | 1,042 |
| Efficiency ratio | 69.2485% | 1,826 |
| Assets per employee ($millions) | 6.5911% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,500 |
| Loan loss allowance to noncurrent loans | 444.4095% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 2,383 |
| Noncurrent loans to loans | 0.2723% | 2,166 |
| Net loans and leases to total assets | 54.4900% | 3,158 |
| Net loans and leases to deposits | 63.4013% | 3,137 |
| Net loans and leases to core deposits | 64.5920% | 3,314 |
| Total domestic deposits to total assets | 85.9400% | 2,610 |
| Equity capital to assets | 6.6961% | 3,966 |
| Core capital (leverage) ratio | 9.3591% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1754% | 1,920 |
| Memoranda: | ||
| Average total assets | $2,979,793,000 | 403 |
| Average earning assets | $2,762,223,000 | 391 |
| Average equity | $190,782,500 | 556 |
| Average total loans | $1,627,720,500 | 479 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2257% | 3,766 |
| Cost of funding earning assets | 0.2099% | 3,677 |
| Net interest margin | 3.0158% | 3,411 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.5607% | 1,937 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8801% | 3,048 |
| Return on assets (ROA) | 0.8341% | 3,132 |
| Pretax return on assets | 1.0246% | 3,003 |
| Return on Equity (ROE) | 12.3100% | 2,032 |
| Retained earnings to average equity (ytd only) | 12.3058% | 617 |
| Net charge-offs to loans | 0.0399% | 1,304 |
| Credit loss provision to net charge-offs | 116.9355% | 1,476 |
| Earnings coverage of net charge-offs (x) | 53.2677% | 1,317 |
| Efficiency ratio | 69.8459% | 1,706 |
| Assets per employee ($millions) | 6.4937% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,486 |
| Loan loss allowance to noncurrent loans | 722.8355% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 2,784 |
| Noncurrent loans to loans | 0.1633% | 2,673 |
| Net loans and leases to total assets | 53.4600% | 3,244 |
| Net loans and leases to deposits | 62.9293% | 3,117 |
| Net loans and leases to core deposits | 63.2874% | 3,309 |
| Total domestic deposits to total assets | 84.9600% | 2,999 |
| Equity capital to assets | 6.1117% | 4,047 |
| Core capital (leverage) ratio | 9.0294% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8912% | 2,018 |
| Memoranda: | ||
| Average total assets | $2,987,355,600 | 396 |
| Average earning assets | $2,781,744,000 | 386 |
| Average equity | $202,498,600 | 520 |
| Average total loans | $1,554,542,000 | 461 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9650% | 3,955 |
| Cost of funding earning assets | 0.1113% | 4,189 |
| Net interest margin | 2.8537% | 3,611 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.5087% | 1,995 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.8150% | 3,188 |
| Return on assets (ROA) | 0.8150% | 3,155 |
| Pretax return on assets | 1.0020% | 3,006 |
| Return on Equity (ROE) | 11.7300% | 2,130 |
| Retained earnings to average equity (ytd only) | 11.7345% | 856 |
| Net charge-offs to loans | 0.0328% | 1,191 |
| Credit loss provision to net charge-offs | 131.9261% | 1,172 |
| Earnings coverage of net charge-offs (x) | 60.5224% | 1,167 |
| Efficiency ratio | 71.0082% | 1,642 |
| Assets per employee ($millions) | 6.2732% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,305 |
| Loan loss allowance to noncurrent loans | 607.2675% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 2,719 |
| Noncurrent loans to loans | 0.2046% | 2,577 |
| Net loans and leases to total assets | 52.7000% | 3,219 |
| Net loans and leases to deposits | 57.5493% | 3,375 |
| Net loans and leases to core deposits | 57.8800% | 3,510 |
| Total domestic deposits to total assets | 91.5700% | 1,021 |
| Equity capital to assets | 5.7082% | 4,072 |
| Core capital (leverage) ratio | 9.1066% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2919% | 1,939 |
| Memoranda: | ||
| Average total assets | $2,985,797,500 | 394 |
| Average earning assets | $2,785,234,000 | 386 |
| Average equity | $207,383,750 | 513 |
| Average total loans | $1,538,282,250 | 463 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7242% | 4,104 |
| Cost of funding earning assets | 0.0784% | 4,394 |
| Net interest margin | 2.6458% | 3,823 |
| Noninterest income to average assets | 0.8635% | 920 |
| Noninterest expense to average assets | 2.4627% | 2,046 |
| Loan and lease loss provision to assets | 0.0331% | 1,994 |
| Net operating income to assets | 0.6925% | 3,331 |
| Return on assets (ROA) | 0.6925% | 3,286 |
| Pretax return on assets | 0.8463% | 3,218 |
| Return on Equity (ROE) | 9.4348% | 2,551 |
| Retained earnings to average equity (ytd only) | 9.4348% | 1,160 |
| Net charge-offs to loans | 0.0545% | 843 |
| Credit loss provision to net charge-offs | 119.3317% | 1,187 |
| Earnings coverage of net charge-offs (x) | 31.6850% | 1,367 |
| Efficiency ratio | 73.6859% | 1,549 |
| Assets per employee ($millions) | 6.2640% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,469 |
| Loan loss allowance to noncurrent loans | 810.1400% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 3,017 |
| Noncurrent loans to loans | 0.1530% | 2,928 |
| Net loans and leases to total assets | 52.0027% | 3,154 |
| Net loans and leases to deposits | 57.2280% | 3,289 |
| Net loans and leases to core deposits | 57.6002% | 3,456 |
| Total domestic deposits to total assets | 90.8693% | 1,295 |
| Equity capital to assets | 6.5598% | 3,994 |
| Core capital (leverage) ratio | 8.7086% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0274% | 2,051 |
| Memoranda: | ||
| Average total assets | $3,019,175,000 | 386 |
| Average earning assets | $2,828,348,333 | 377 |
| Average equity | $221,605,333 | 487 |
| Average total loans | $1,537,788,333 | 456 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5788% | 4,158 |
| Cost of funding earning assets | 0.0696% | 4,456 |
| Net interest margin | 2.5092% | 3,889 |
| Noninterest income to average assets | 0.8010% | 1,043 |
| Noninterest expense to average assets | 2.3983% | 2,172 |
| Loan and lease loss provision to assets | 0.0196% | 2,003 |
| Net operating income to assets | 0.6130% | 3,356 |
| Return on assets (ROA) | 0.6130% | 3,337 |
| Pretax return on assets | 0.7411% | 3,272 |
| Return on Equity (ROE) | 7.9489% | 2,713 |
| Retained earnings to average equity (ytd only) | 7.9489% | 1,601 |
| Net charge-offs to loans | 0.0648% | 684 |
| Credit loss provision to net charge-offs | 60.2410% | 1,171 |
| Earnings coverage of net charge-offs (x) | 23.4177% | 1,228 |
| Efficiency ratio | 75.9199% | 1,532 |
| Assets per employee ($millions) | 6.7541% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,801 |
| Loan loss allowance to noncurrent loans | 821.6768% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 3,158 |
| Noncurrent loans to loans | 0.1474% | 3,069 |
| Net loans and leases to total assets | 50.7751% | 3,098 |
| Net loans and leases to deposits | 55.2733% | 3,319 |
| Net loans and leases to core deposits | 55.5746% | 3,484 |
| Total domestic deposits to total assets | 91.8619% | 632 |
| Equity capital to assets | 7.1342% | 4,143 |
| Core capital (leverage) ratio | 8.4078% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9190% | 2,250 |
| Memoranda: | ||
| Average total assets | $3,066,111,000 | 385 |
| Average earning assets | $2,881,355,000 | 376 |
| Average equity | $236,460,500 | 473 |
| Average total loans | $1,536,517,000 | 451 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9332% | 3,995 |
| Cost of funding earning assets | 0.0800% | 4,531 |
| Net interest margin | 2.8532% | 3,553 |
| Noninterest income to average assets | 0.9756% | 1,051 |
| Noninterest expense to average assets | 2.4948% | 2,197 |
| Loan and lease loss provision to assets | 0.0334% | 2,385 |
| Net operating income to assets | 0.8944% | 3,064 |
| Return on assets (ROA) | 0.8944% | 3,122 |
| Pretax return on assets | 1.1141% | 2,916 |
| Return on Equity (ROE) | 10.0240% | 2,508 |
| Retained earnings to average equity (ytd only) | 6.4810% | 2,139 |
| Net charge-offs to loans | 0.3160% | 267 |
| Credit loss provision to net charge-offs | 18.8231% | 2,276 |
| Earnings coverage of net charge-offs (x) | 6.4722% | 2,395 |
| Efficiency ratio | 68.4965% | 1,922 |
| Assets per employee ($millions) | 6.9038% | 1,989 |
| Cash dividends to net income (ytd only)* | 35.3454% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,577 |
| Loan loss allowance to noncurrent loans | 864.2727% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,321 |
| Noncurrent loans to loans | 0.1456% | 3,212 |
| Net loans and leases to total assets | 48.2359% | 3,480 |
| Net loans and leases to deposits | 53.0657% | 3,659 |
| Net loans and leases to core deposits | 53.3319% | 3,805 |
| Total domestic deposits to total assets | 90.8983% | 526 |
| Equity capital to assets | 8.2799% | 4,191 |
| Core capital (leverage) ratio | 8.2966% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6274% | 2,005 |
| Memoranda: | ||
| Average total assets | $2,846,777,800 | 390 |
| Average earning assets | $2,660,676,400 | 385 |
| Average equity | $254,019,200 | 437 |
| Average total loans | $1,596,917,000 | 446 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0471% | 3,911 |
| Cost of funding earning assets | 0.0829% | 4,623 |
| Net interest margin | 2.9641% | 3,407 |
| Noninterest income to average assets | 0.9867% | 1,091 |
| Noninterest expense to average assets | 2.5290% | 2,038 |
| Loan and lease loss provision to assets | 0.0455% | 2,087 |
| Net operating income to assets | 0.9425% | 3,115 |
| Return on assets (ROA) | 0.9425% | 3,193 |
| Pretax return on assets | 1.1752% | 3,004 |
| Return on Equity (ROE) | 10.3555% | 2,611 |
| Retained earnings to average equity (ytd only) | 6.2530% | 2,724 |
| Net charge-offs to loans | 0.4057% | 189 |
| Credit loss provision to net charge-offs | 19.2893% | 1,994 |
| Earnings coverage of net charge-offs (x) | 5.1777% | 2,234 |
| Efficiency ratio | 67.4454% | 1,906 |
| Assets per employee ($millions) | 6.4685% | 2,277 |
| Cash dividends to net income (ytd only)* | 39.6160% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,476 |
| Loan loss allowance to noncurrent loans | 978.8235% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 3,533 |
| Noncurrent loans to loans | 0.1330% | 3,444 |
| Net loans and leases to total assets | 49.6303% | 3,449 |
| Net loans and leases to deposits | 55.3066% | 3,634 |
| Net loans and leases to core deposits | 55.5858% | 3,804 |
| Total domestic deposits to total assets | 89.7366% | 901 |
| Equity capital to assets | 8.7782% | 4,019 |
| Core capital (leverage) ratio | 8.8612% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1748% | 1,906 |
| Memoranda: | ||
| Average total assets | $2,785,252,250 | 399 |
| Average earning assets | $2,596,166,250 | 396 |
| Average equity | $253,502,250 | 441 |
| Average total loans | $1,618,423,500 | 438 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1495% | 3,769 |
| Cost of funding earning assets | 0.0902% | 4,638 |
| Net interest margin | 3.0593% | 3,150 |
| Noninterest income to average assets | 1.0122% | 1,052 |
| Noninterest expense to average assets | 2.5471% | 2,009 |
| Loan and lease loss provision to assets | 0.0584% | 1,866 |
| Net operating income to assets | 1.0047% | 2,870 |
| Return on assets (ROA) | 1.0047% | 2,952 |
| Pretax return on assets | 1.2579% | 2,742 |
| Return on Equity (ROE) | 10.9011% | 2,455 |
| Retained earnings to average equity (ytd only) | 6.3061% | 2,691 |
| Net charge-offs to loans | 0.5796% | 136 |
| Credit loss provision to net charge-offs | 16.5529% | 1,749 |
| Earnings coverage of net charge-offs (x) | 3.7302% | 2,061 |
| Efficiency ratio | 65.9277% | 2,166 |
| Assets per employee ($millions) | 6.2049% | 2,425 |
| Cash dividends to net income (ytd only)* | 42.1512% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,992 |
| Loan loss allowance to noncurrent loans | 915.0120% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,596 |
| Noncurrent loans to loans | 0.1301% | 3,536 |
| Net loans and leases to total assets | 55.4774% | 2,962 |
| Net loans and leases to deposits | 62.6856% | 3,132 |
| Net loans and leases to core deposits | 63.0430% | 3,375 |
| Total domestic deposits to total assets | 88.5010% | 1,562 |
| Equity capital to assets | 8.9759% | 3,818 |
| Core capital (leverage) ratio | 8.7143% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2675% | 2,258 |
| Memoranda: | ||
| Average total assets | $2,739,081,000 | 402 |
| Average earning assets | $2,552,824,000 | 397 |
| Average equity | $252,452,000 | 441 |
| Average total loans | $1,667,828,333 | 427 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3693% | 3,287 |
| Cost of funding earning assets | 0.0940% | 4,687 |
| Net interest margin | 3.2753% | 2,464 |
| Noninterest income to average assets | 0.9941% | 1,139 |
| Noninterest expense to average assets | 2.5493% | 2,029 |
| Loan and lease loss provision to assets | 0.0298% | 2,392 |
| Net operating income to assets | 1.1638% | 2,284 |
| Return on assets (ROA) | 1.1638% | 2,356 |
| Pretax return on assets | 1.4662% | 2,083 |
| Return on Equity (ROE) | 12.4542% | 1,851 |
| Retained earnings to average equity (ytd only) | 6.0691% | 2,867 |
| Net charge-offs to loans | 1.1319% | 65 |
| Credit loss provision to net charge-offs | 4.1563% | 1,466 |
| Earnings coverage of net charge-offs (x) | 2.0842% | 1,823 |
| Efficiency ratio | 63.0185% | 2,604 |
| Assets per employee ($millions) | 6.0957% | 2,497 |
| Cash dividends to net income (ytd only)* | 51.2689% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 3,443 |
| Loan loss allowance to noncurrent loans | 779.2334% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 3,659 |
| Noncurrent loans to loans | 0.1409% | 3,615 |
| Net loans and leases to total assets | 60.2141% | 2,521 |
| Net loans and leases to deposits | 67.8582% | 2,719 |
| Net loans and leases to core deposits | 68.2564% | 3,041 |
| Total domestic deposits to total assets | 88.7351% | 1,480 |
| Equity capital to assets | 8.9814% | 3,705 |
| Core capital (leverage) ratio | 9.2263% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1070% | 2,252 |
| Memoranda: | ||
| Average total assets | $2,681,504,000 | 405 |
| Average earning assets | $2,498,094,500 | 399 |
| Average equity | $250,582,000 | 442 |
| Average total loans | $1,700,476,000 | 417 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6050% | 3,801 |
| Cost of funding earning assets | 0.2361% | 4,437 |
| Net interest margin | 3.3689% | 2,867 |
| Noninterest income to average assets | 1.0935% | 893 |
| Noninterest expense to average assets | 2.8762% | 1,748 |
| Loan and lease loss provision to assets | 0.1796% | 2,146 |
| Net operating income to assets | 0.9359% | 2,535 |
| Return on assets (ROA) | 1.0356% | 2,303 |
| Pretax return on assets | 1.2787% | 2,051 |
| Return on Equity (ROE) | 10.1461% | 1,954 |
| Retained earnings to average equity (ytd only) | 6.3374% | 1,653 |
| Net charge-offs to loans | 0.0135% | 2,858 |
| Credit loss provision to net charge-offs | 1,931.8182% | 454 |
| Earnings coverage of net charge-offs (x) | 143.6091% | 606 |
| Efficiency ratio | 68.2973% | 2,197 |
| Assets per employee ($millions) | 5.5939% | 2,747 |
| Cash dividends to net income (ytd only)* | 37.5388% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 2,205 |
| Loan loss allowance to noncurrent loans | 301.7102% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 2,488 |
| Noncurrent loans to loans | 0.4464% | 2,633 |
| Net loans and leases to total assets | 65.2248% | 2,201 |
| Net loans and leases to deposits | 73.5780% | 2,526 |
| Net loans and leases to core deposits | 74.2949% | 2,889 |
| Total domestic deposits to total assets | 88.6471% | 1,145 |
| Equity capital to assets | 9.7323% | 3,380 |
| Core capital (leverage) ratio | 9.0924% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4037% | 2,084 |
| Memoranda: | ||
| Average total assets | $2,366,441,800 | 415 |
| Average earning assets | $2,190,027,200 | 410 |
| Average equity | $241,551,000 | 434 |
| Average total loans | $1,627,765,200 | 417 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 3,836 |
| Cost of funding earning assets | 0.2791% | 4,392 |
| Net interest margin | 3.4033% | 2,914 |
| Noninterest income to average assets | 1.0980% | 861 |
| Noninterest expense to average assets | 2.8913% | 1,725 |
| Loan and lease loss provision to assets | 0.2165% | 1,858 |
| Net operating income to assets | 0.9218% | 2,617 |
| Return on assets (ROA) | 0.9335% | 2,715 |
| Pretax return on assets | 1.1477% | 2,570 |
| Return on Equity (ROE) | 9.0276% | 2,388 |
| Retained earnings to average equity (ytd only) | 5.2866% | 2,435 |
| Net charge-offs to loans | 0.0461% | 1,957 |
| Credit loss provision to net charge-offs | 675.6757% | 1,092 |
| Earnings coverage of net charge-offs (x) | 42.1225% | 1,327 |
| Efficiency ratio | 68.1728% | 2,161 |
| Assets per employee ($millions) | 5.5915% | 2,631 |
| Cash dividends to net income (ytd only)* | 41.4399% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,208 |
| Loan loss allowance to noncurrent loans | 249.2280% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,434 |
| Noncurrent loans to loans | 0.5167% | 2,504 |
| Net loans and leases to total assets | 66.6750% | 2,427 |
| Net loans and leases to deposits | 76.2945% | 2,722 |
| Net loans and leases to core deposits | 77.0393% | 3,092 |
| Total domestic deposits to total assets | 87.3916% | 1,496 |
| Equity capital to assets | 9.6281% | 3,575 |
| Core capital (leverage) ratio | 9.2581% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0134% | 2,192 |
| Memoranda: | ||
| Average total assets | $2,309,164,750 | 415 |
| Average earning assets | $2,132,672,000 | 410 |
| Average equity | $238,786,750 | 432 |
| Average total loans | $1,605,693,000 | 415 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8550% | 3,730 |
| Cost of funding earning assets | 0.3597% | 4,229 |
| Net interest margin | 3.4953% | 2,801 |
| Noninterest income to average assets | 1.0613% | 882 |
| Noninterest expense to average assets | 2.9497% | 1,719 |
| Loan and lease loss provision to assets | 0.2247% | 1,862 |
| Net operating income to assets | 0.9011% | 2,686 |
| Return on assets (ROA) | 0.9195% | 2,743 |
| Pretax return on assets | 1.1281% | 2,625 |
| Return on Equity (ROE) | 8.6633% | 2,508 |
| Retained earnings to average equity (ytd only) | 4.6835% | 2,616 |
| Net charge-offs to loans | 0.1657% | 900 |
| Credit loss provision to net charge-offs | 192.9012% | 1,949 |
| Earnings coverage of net charge-offs (x) | 11.4213% | 2,099 |
| Efficiency ratio | 68.9171% | 2,099 |
| Assets per employee ($millions) | 5.4948% | 2,643 |
| Cash dividends to net income (ytd only)* | 45.9388% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,612 |
| Loan loss allowance to noncurrent loans | 227.2320% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 2,547 |
| Noncurrent loans to loans | 0.5193% | 2,602 |
| Net loans and leases to total assets | 68.4043% | 2,282 |
| Net loans and leases to deposits | 78.0224% | 2,649 |
| Net loans and leases to core deposits | 78.9144% | 3,032 |
| Total domestic deposits to total assets | 87.6727% | 1,339 |
| Equity capital to assets | 9.7244% | 3,443 |
| Core capital (leverage) ratio | 9.2868% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5807% | 2,368 |
| Memoranda: | ||
| Average total assets | $2,225,246,333 | 420 |
| Average earning assets | $2,049,206,667 | 416 |
| Average equity | $236,193,000 | 432 |
| Average total loans | $1,564,334,333 | 416 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 3,266 |
| Cost of funding earning assets | 0.5225% | 3,836 |
| Net interest margin | 3.6629% | 2,457 |
| Noninterest income to average assets | 1.1278% | 685 |
| Noninterest expense to average assets | 3.2446% | 1,333 |
| Loan and lease loss provision to assets | 0.0954% | 2,492 |
| Net operating income to assets | 0.9299% | 2,418 |
| Return on assets (ROA) | 0.9299% | 2,528 |
| Pretax return on assets | 1.1446% | 2,380 |
| Return on Equity (ROE) | 8.3467% | 2,365 |
| Retained earnings to average equity (ytd only) | 4.4071% | 2,535 |
| Net charge-offs to loans | -0.1453% | 4,892 |
| Credit loss provision to net charge-offs | -92.5926% | 3,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3489% | 2,033 |
| Assets per employee ($millions) | 4.3175% | 3,514 |
| Cash dividends to net income (ytd only)* | 47.1989% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 1,883 |
| Loan loss allowance to noncurrent loans | 157.5276% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 1,901 |
| Noncurrent loans to loans | 0.8607% | 1,895 |
| Net loans and leases to total assets | 69.6228% | 2,306 |
| Net loans and leases to deposits | 80.6275% | 2,615 |
| Net loans and leases to core deposits | 81.8541% | 3,032 |
| Total domestic deposits to total assets | 86.3511% | 1,851 |
| Equity capital to assets | 11.2741% | 2,615 |
| Core capital (leverage) ratio | 10.8760% | 2,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5316% | 2,465 |
| Memoranda: | ||
| Average total assets | $2,096,055,500 | 430 |
| Average earning assets | $1,920,872,000 | 426 |
| Average equity | $233,530,500 | 435 |
| Average total loans | $1,486,905,000 | 426 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 2,833 |
| Cost of funding earning assets | 0.6279% | 3,520 |
| Net interest margin | 3.9059% | 2,159 |
| Noninterest income to average assets | 1.2367% | 615 |
| Noninterest expense to average assets | 3.2060% | 1,509 |
| Loan and lease loss provision to assets | 0.1011% | 2,037 |
| Net operating income to assets | 1.2108% | 2,017 |
| Return on assets (ROA) | 1.2139% | 2,097 |
| Pretax return on assets | 1.5269% | 1,723 |
| Return on Equity (ROE) | 11.0344% | 1,872 |
| Retained earnings to average equity (ytd only) | 4.0161% | 2,954 |
| Net charge-offs to loans | 0.1666% | 1,213 |
| Credit loss provision to net charge-offs | 83.3333% | 2,753 |
| Earnings coverage of net charge-offs (x) | 13.3917% | 2,363 |
| Efficiency ratio | 66.3762% | 2,711 |
| Assets per employee ($millions) | 4.2993% | 3,510 |
| Cash dividends to net income (ytd only)* | 63.6040% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,028 |
| Loan loss allowance to noncurrent loans | 204.2496% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 2,229 |
| Noncurrent loans to loans | 0.6271% | 2,320 |
| Net loans and leases to total assets | 70.3859% | 2,334 |
| Net loans and leases to deposits | 82.4778% | 2,498 |
| Net loans and leases to core deposits | 84.6331% | 2,900 |
| Total domestic deposits to total assets | 85.3392% | 2,371 |
| Equity capital to assets | 11.0079% | 2,989 |
| Core capital (leverage) ratio | 10.5337% | 2,920 |
| Tier 1 risk-based capital ratio | 12.3943% | 4,133 |
| Total risk-based capital ratio | 13.4505% | 4,126 |
| Memoranda: | ||
| Average total assets | $2,033,405,600 | 419 |
| Average earning assets | $1,870,718,400 | 415 |
| Average equity | $223,701,200 | 430 |
| Average total loans | $1,480,218,600 | 410 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 2,780 |
| Cost of funding earning assets | 0.6160% | 3,611 |
| Net interest margin | 3.9668% | 2,053 |
| Noninterest income to average assets | 1.2588% | 576 |
| Noninterest expense to average assets | 3.1656% | 1,537 |
| Loan and lease loss provision to assets | 0.1357% | 1,417 |
| Net operating income to assets | 1.2663% | 1,964 |
| Return on assets (ROA) | 1.2705% | 2,028 |
| Pretax return on assets | 1.6100% | 1,601 |
| Return on Equity (ROE) | 11.5500% | 1,785 |
| Retained earnings to average equity (ytd only) | 4.5271% | 3,129 |
| Net charge-offs to loans | 0.1001% | 1,473 |
| Credit loss provision to net charge-offs | 185.1351% | 1,404 |
| Earnings coverage of net charge-offs (x) | 23.7469% | 1,821 |
| Efficiency ratio | 64.5259% | 2,934 |
| Assets per employee ($millions) | 4.2699% | 3,523 |
| Cash dividends to net income (ytd only)* | 60.8045% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 1,689 |
| Loan loss allowance to noncurrent loans | 185.9430% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 2,084 |
| Noncurrent loans to loans | 0.7366% | 2,120 |
| Net loans and leases to total assets | 72.4126% | 2,107 |
| Net loans and leases to deposits | 83.5450% | 2,504 |
| Net loans and leases to core deposits | 87.0026% | 2,817 |
| Total domestic deposits to total assets | 86.6750% | 1,695 |
| Equity capital to assets | 11.2654% | 2,867 |
| Core capital (leverage) ratio | 11.1092% | 2,551 |
| Tier 1 risk-based capital ratio | 12.2867% | 4,262 |
| Total risk-based capital ratio | 13.4155% | 4,217 |
| Memoranda: | ||
| Average total assets | $2,019,390,000 | 423 |
| Average earning assets | $1,856,659,500 | 421 |
| Average equity | $222,124,750 | 435 |
| Average total loans | $1,477,830,500 | 413 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 2,730 |
| Cost of funding earning assets | 0.6175% | 3,564 |
| Net interest margin | 3.9640% | 2,043 |
| Noninterest income to average assets | 1.1868% | 608 |
| Noninterest expense to average assets | 3.1556% | 1,602 |
| Loan and lease loss provision to assets | 0.1593% | 1,140 |
| Net operating income to assets | 1.2058% | 2,131 |
| Return on assets (ROA) | 1.2107% | 2,173 |
| Pretax return on assets | 1.5308% | 1,756 |
| Return on Equity (ROE) | 11.0969% | 1,940 |
| Retained earnings to average equity (ytd only) | 5.3656% | 2,589 |
| Net charge-offs to loans | 0.0406% | 2,081 |
| Credit loss provision to net charge-offs | 536.7893% | 571 |
| Earnings coverage of net charge-offs (x) | 56.7425% | 1,014 |
| Efficiency ratio | 65.2044% | 2,945 |
| Assets per employee ($millions) | 4.2349% | 3,517 |
| Cash dividends to net income (ytd only)* | 51.6478% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 1,615 |
| Loan loss allowance to noncurrent loans | 165.0373% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 1,912 |
| Noncurrent loans to loans | 0.8480% | 1,907 |
| Net loans and leases to total assets | 72.0850% | 2,208 |
| Net loans and leases to deposits | 83.8966% | 2,499 |
| Net loans and leases to core deposits | 88.2834% | 2,770 |
| Total domestic deposits to total assets | 85.9213% | 2,076 |
| Equity capital to assets | 11.1213% | 2,930 |
| Core capital (leverage) ratio | 10.5913% | 2,990 |
| Tier 1 risk-based capital ratio | 12.3998% | 4,185 |
| Total risk-based capital ratio | 13.5678% | 4,097 |
| Memoranda: | ||
| Average total assets | $2,015,033,000 | 425 |
| Average earning assets | $1,856,789,670 | 419 |
| Average equity | $219,845,000 | 439 |
| Average total loans | $1,473,042,330 | 414 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 2,928 |
| Cost of funding earning assets | 0.5524% | 3,813 |
| Net interest margin | 3.9294% | 2,095 |
| Noninterest income to average assets | 1.1750% | 590 |
| Noninterest expense to average assets | 3.1629% | 1,590 |
| Loan and lease loss provision to assets | 0.1954% | 829 |
| Net operating income to assets | 1.1375% | 2,319 |
| Return on assets (ROA) | 1.1473% | 2,332 |
| Pretax return on assets | 1.4471% | 1,935 |
| Return on Equity (ROE) | 10.6196% | 2,111 |
| Retained earnings to average equity (ytd only) | 6.3747% | 2,287 |
| Net charge-offs to loans | 0.0409% | 1,684 |
| Credit loss provision to net charge-offs | 653.3333% | 510 |
| Earnings coverage of net charge-offs (x) | 54.5067% | 973 |
| Efficiency ratio | 65.9886% | 2,940 |
| Assets per employee ($millions) | 4.2132% | 3,607 |
| Cash dividends to net income (ytd only)* | 39.9722% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 1,703 |
| Loan loss allowance to noncurrent loans | 182.6532% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 2,126 |
| Noncurrent loans to loans | 0.7623% | 2,122 |
| Net loans and leases to total assets | 71.6128% | 2,229 |
| Net loans and leases to deposits | 83.5546% | 2,434 |
| Net loans and leases to core deposits | 88.7923% | 2,611 |
| Total domestic deposits to total assets | 85.7078% | 2,403 |
| Equity capital to assets | 10.9585% | 2,896 |
| Core capital (leverage) ratio | 10.9208% | 2,647 |
| Tier 1 risk-based capital ratio | 12.4766% | 4,187 |
| Total risk-based capital ratio | 13.6377% | 4,105 |
| Memoranda: | ||
| Average total assets | $2,006,162,500 | 425 |
| Average earning assets | $1,847,224,500 | 424 |
| Average equity | $216,732,000 | 444 |
| Average total loans | $1,466,502,000 | 417 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2332% | 3,343 |
| Cost of funding earning assets | 0.3436% | 4,324 |
| Net interest margin | 3.8896% | 2,356 |
| Noninterest income to average assets | 1.2638% | 586 |
| Noninterest expense to average assets | 3.1660% | 1,636 |
| Loan and lease loss provision to assets | 0.4131% | 322 |
| Net operating income to assets | 1.0319% | 2,879 |
| Return on assets (ROA) | 1.0319% | 2,864 |
| Pretax return on assets | 1.2644% | 2,638 |
| Return on Equity (ROE) | 9.8248% | 2,588 |
| Retained earnings to average equity (ytd only) | 6.0388% | 2,173 |
| Net charge-offs to loans | 0.4651% | 393 |
| Credit loss provision to net charge-offs | 122.3429% | 2,132 |
| Earnings coverage of net charge-offs (x) | 4.9677% | 3,240 |
| Efficiency ratio | 65.3648% | 2,976 |
| Assets per employee ($millions) | 4.2249% | 3,576 |
| Cash dividends to net income (ytd only)* | 38.5347% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 1,938 |
| Loan loss allowance to noncurrent loans | 87.9762% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 1,061 |
| Noncurrent loans to loans | 1.5037% | 1,012 |
| Net loans and leases to total assets | 72.6041% | 2,154 |
| Net loans and leases to deposits | 84.3799% | 2,473 |
| Net loans and leases to core deposits | 87.9100% | 2,760 |
| Total domestic deposits to total assets | 86.0443% | 2,205 |
| Equity capital to assets | 10.6476% | 3,030 |
| Core capital (leverage) ratio | 10.7500% | 2,790 |
| Tier 1 risk-based capital ratio | 12.2125% | 4,290 |
| Total risk-based capital ratio | 13.3202% | 4,268 |
| Memoranda: | ||
| Average total assets | $1,936,381,600 | 422 |
| Average earning assets | $1,782,118,400 | 420 |
| Average equity | $203,383,600 | 442 |
| Average total loans | $1,405,995,600 | 421 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 3,438 |
| Cost of funding earning assets | 0.2988% | 4,530 |
| Net interest margin | 3.8586% | 2,443 |
| Noninterest income to average assets | 1.3003% | 566 |
| Noninterest expense to average assets | 3.1711% | 1,595 |
| Loan and lease loss provision to assets | 0.5556% | 188 |
| Net operating income to assets | 0.9183% | 3,444 |
| Return on assets (ROA) | 0.9183% | 3,448 |
| Pretax return on assets | 1.1228% | 3,304 |
| Return on Equity (ROE) | 8.7740% | 3,207 |
| Retained earnings to average equity (ytd only) | 5.0579% | 3,204 |
| Net charge-offs to loans | 0.0367% | 2,343 |
| Credit loss provision to net charge-offs | 2,094.2408% | 200 |
| Earnings coverage of net charge-offs (x) | 63.2645% | 1,023 |
| Efficiency ratio | 65.3907% | 2,972 |
| Assets per employee ($millions) | 4.0026% | 3,880 |
| Cash dividends to net income (ytd only)* | 42.3537% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 694 |
| Loan loss allowance to noncurrent loans | 79.6404% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.7445% | 691 |
| Noncurrent loans to loans | 2.2888% | 605 |
| Net loans and leases to total assets | 73.1219% | 2,142 |
| Net loans and leases to deposits | 84.9045% | 2,490 |
| Net loans and leases to core deposits | 88.4096% | 2,808 |
| Total domestic deposits to total assets | 86.1226% | 2,133 |
| Equity capital to assets | 10.7599% | 2,886 |
| Core capital (leverage) ratio | 11.0532% | 2,529 |
| Tier 1 risk-based capital ratio | 12.3082% | 4,315 |
| Total risk-based capital ratio | 13.5613% | 4,206 |
| Memoranda: | ||
| Average total assets | $1,919,822,500 | 422 |
| Average earning assets | $1,765,879,500 | 422 |
| Average equity | $200,921,750 | 444 |
| Average total loans | $1,389,126,000 | 424 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 3,462 |
| Cost of funding earning assets | 0.2866% | 4,524 |
| Net interest margin | 3.8094% | 2,536 |
| Noninterest income to average assets | 1.3155% | 558 |
| Noninterest expense to average assets | 3.1430% | 1,682 |
| Loan and lease loss provision to assets | 0.6218% | 160 |
| Net operating income to assets | 0.8741% | 3,568 |
| Return on assets (ROA) | 0.8741% | 3,574 |
| Pretax return on assets | 1.0567% | 3,488 |
| Return on Equity (ROE) | 8.4293% | 3,299 |
| Retained earnings to average equity (ytd only) | 4.3321% | 3,434 |
| Net charge-offs to loans | 0.0249% | 2,362 |
| Credit loss provision to net charge-offs | 3,488.3721% | 116 |
| Earnings coverage of net charge-offs (x) | 94.1686% | 725 |
| Efficiency ratio | 65.1880% | 3,124 |
| Assets per employee ($millions) | 4.0518% | 3,813 |
| Cash dividends to net income (ytd only)* | 48.6070% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 862 |
| Loan loss allowance to noncurrent loans | 106.5467% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.1928% | 1,202 |
| Noncurrent loans to loans | 1.6188% | 1,000 |
| Net loans and leases to total assets | 70.6371% | 2,485 |
| Net loans and leases to deposits | 82.8861% | 2,674 |
| Net loans and leases to core deposits | 85.6724% | 2,953 |
| Total domestic deposits to total assets | 85.2218% | 2,593 |
| Equity capital to assets | 10.4671% | 3,159 |
| Core capital (leverage) ratio | 10.2333% | 3,312 |
| Tier 1 risk-based capital ratio | 12.4257% | 4,232 |
| Total risk-based capital ratio | 13.6779% | 4,121 |
| Memoranda: | ||
| Average total assets | $1,930,016,330 | 424 |
| Average earning assets | $1,776,246,000 | 419 |
| Average equity | $200,135,330 | 444 |
| Average total loans | $1,383,135,330 | 423 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 3,707 |
| Cost of funding earning assets | 0.2456% | 4,739 |
| Net interest margin | 3.7300% | 2,690 |
| Noninterest income to average assets | 1.2558% | 588 |
| Noninterest expense to average assets | 3.0879% | 1,859 |
| Loan and lease loss provision to assets | 0.6209% | 163 |
| Net operating income to assets | 0.8262% | 3,604 |
| Return on assets (ROA) | 0.8262% | 3,616 |
| Pretax return on assets | 0.9827% | 3,594 |
| Return on Equity (ROE) | 8.0049% | 3,366 |
| Retained earnings to average equity (ytd only) | 3.7939% | 3,679 |
| Net charge-offs to loans | 0.0425% | 1,692 |
| Credit loss provision to net charge-offs | 2,040.8163% | 187 |
| Earnings coverage of net charge-offs (x) | 52.7075% | 922 |
| Efficiency ratio | 65.8197% | 3,202 |
| Assets per employee ($millions) | 4.1459% | 3,735 |
| Cash dividends to net income (ytd only)* | 52.6052% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,429 |
| Loan loss allowance to noncurrent loans | 82.9520% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.3322% | 1,110 |
| Noncurrent loans to loans | 1.8205% | 915 |
| Net loans and leases to total assets | 70.0486% | 2,482 |
| Net loans and leases to deposits | 83.9598% | 2,392 |
| Net loans and leases to core deposits | 87.1263% | 2,706 |
| Total domestic deposits to total assets | 83.4311% | 3,529 |
| Equity capital to assets | 10.2277% | 3,360 |
| Core capital (leverage) ratio | 10.5855% | 2,859 |
| Tier 1 risk-based capital ratio | 12.1316% | 4,473 |
| Total risk-based capital ratio | 13.3704% | 4,372 |
| Memoranda: | ||
| Average total assets | $1,932,723,000 | 430 |
| Average earning assets | $1,780,151,500 | 425 |
| Average equity | $199,478,000 | 453 |
| Average total loans | $1,383,032,000 | 423 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8279% | 3,952 |
| Cost of funding earning assets | 0.2062% | 4,894 |
| Net interest margin | 3.6217% | 3,097 |
| Noninterest income to average assets | 1.2576% | 671 |
| Noninterest expense to average assets | 3.1893% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8568% | 2,924 |
| Return on assets (ROA) | 0.8552% | 2,954 |
| Pretax return on assets | 1.3871% | 2,035 |
| Return on Equity (ROE) | 8.1690% | 2,721 |
| Retained earnings to average equity (ytd only) | 4.6978% | 2,322 |
| Net charge-offs to loans | 0.0838% | 2,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 23.4675% | 1,807 |
| Efficiency ratio | 69.6522% | 2,610 |
| Assets per employee ($millions) | 4.1580% | 3,724 |
| Cash dividends to net income (ytd only)* | 42.4920% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,200 |
| Loan loss allowance to noncurrent loans | 147.2279% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 2,235 |
| Noncurrent loans to loans | 0.8855% | 2,008 |
| Net loans and leases to total assets | 71.0615% | 2,369 |
| Net loans and leases to deposits | 84.5401% | 2,435 |
| Net loans and leases to core deposits | 85.9797% | 2,907 |
| Total domestic deposits to total assets | 84.0566% | 3,186 |
| Equity capital to assets | 10.4156% | 3,247 |
| Core capital (leverage) ratio | 10.4730% | 2,869 |
| Tier 1 risk-based capital ratio | 11.9768% | 4,542 |
| Total risk-based capital ratio | 13.0426% | 4,543 |
| Memoranda: | ||
| Average total assets | $1,871,178,000 | 434 |
| Average earning assets | $1,715,998,400 | 428 |
| Average equity | $195,898,200 | 448 |
| Average total loans | $1,321,570,400 | 424 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 4,034 |
| Cost of funding earning assets | 0.2051% | 4,934 |
| Net interest margin | 3.5873% | 3,202 |
| Noninterest income to average assets | 1.2499% | 673 |
| Noninterest expense to average assets | 3.1559% | 1,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9489% | 2,785 |
| Return on assets (ROA) | 0.9467% | 2,859 |
| Pretax return on assets | 1.3788% | 2,178 |
| Return on Equity (ROE) | 9.0303% | 2,581 |
| Retained earnings to average equity (ytd only) | 5.7458% | 2,403 |
| Net charge-offs to loans | 0.1065% | 1,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 18.4737% | 2,047 |
| Efficiency ratio | 69.5430% | 2,616 |
| Assets per employee ($millions) | 4.1089% | 3,809 |
| Cash dividends to net income (ytd only)* | 36.3719% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 2,045 |
| Loan loss allowance to noncurrent loans | 120.2712% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 2,008 |
| Noncurrent loans to loans | 1.1360% | 1,695 |
| Net loans and leases to total assets | 69.1180% | 2,676 |
| Net loans and leases to deposits | 82.8198% | 2,682 |
| Net loans and leases to core deposits | 83.9993% | 3,122 |
| Total domestic deposits to total assets | 83.4559% | 3,304 |
| Equity capital to assets | 10.6164% | 3,250 |
| Core capital (leverage) ratio | 10.7536% | 2,701 |
| Tier 1 risk-based capital ratio | 12.4810% | 4,326 |
| Total risk-based capital ratio | 13.6058% | 4,313 |
| Memoranda: | ||
| Average total assets | $1,858,718,000 | 440 |
| Average earning assets | $1,703,702,250 | 433 |
| Average equity | $194,851,250 | 448 |
| Average total loans | $1,306,179,000 | 430 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 4,052 |
| Cost of funding earning assets | 0.2001% | 4,981 |
| Net interest margin | 3.5562% | 3,196 |
| Noninterest income to average assets | 1.2060% | 707 |
| Noninterest expense to average assets | 3.1326% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9173% | 2,822 |
| Return on assets (ROA) | 0.9099% | 2,915 |
| Pretax return on assets | 1.3191% | 2,313 |
| Return on Equity (ROE) | 8.7178% | 2,653 |
| Retained earnings to average equity (ytd only) | 5.8150% | 2,224 |
| Net charge-offs to loans | 0.1301% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 14.5248% | 2,067 |
| Efficiency ratio | 70.2015% | 2,640 |
| Assets per employee ($millions) | 3.9847% | 3,977 |
| Cash dividends to net income (ytd only)* | 33.2977% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,965 |
| Loan loss allowance to noncurrent loans | 149.2210% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 2,419 |
| Noncurrent loans to loans | 0.9358% | 2,101 |
| Net loans and leases to total assets | 69.7150% | 2,567 |
| Net loans and leases to deposits | 82.0648% | 2,692 |
| Net loans and leases to core deposits | 83.0787% | 3,166 |
| Total domestic deposits to total assets | 84.9513% | 2,836 |
| Equity capital to assets | 10.7102% | 3,124 |
| Core capital (leverage) ratio | 10.3373% | 3,093 |
| Tier 1 risk-based capital ratio | 12.4829% | 4,315 |
| Total risk-based capital ratio | 13.6397% | 4,247 |
| Memoranda: | ||
| Average total assets | $1,848,266,000 | 443 |
| Average earning assets | $1,692,379,000 | 440 |
| Average equity | $192,915,670 | 451 |
| Average total loans | $1,300,079,330 | 434 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,167 |
| Cost of funding earning assets | 0.1836% | 5,124 |
| Net interest margin | 3.4974% | 3,284 |
| Noninterest income to average assets | 1.1413% | 774 |
| Noninterest expense to average assets | 3.1138% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8531% | 2,977 |
| Return on assets (ROA) | 0.8531% | 3,020 |
| Pretax return on assets | 1.2301% | 2,475 |
| Return on Equity (ROE) | 8.2819% | 2,774 |
| Retained earnings to average equity (ytd only) | 5.7575% | 2,469 |
| Net charge-offs to loans | 0.1640% | 989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.6911% | 1,923 |
| Efficiency ratio | 71.6815% | 2,631 |
| Assets per employee ($millions) | 4.0437% | 3,934 |
| Cash dividends to net income (ytd only)* | 30.4801% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 1,901 |
| Loan loss allowance to noncurrent loans | 139.0109% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 2,337 |
| Noncurrent loans to loans | 1.0359% | 1,988 |
| Net loans and leases to total assets | 69.0685% | 2,519 |
| Net loans and leases to deposits | 80.5803% | 2,673 |
| Net loans and leases to core deposits | 81.6160% | 3,128 |
| Total domestic deposits to total assets | 85.7138% | 2,789 |
| Equity capital to assets | 10.4431% | 3,244 |
| Core capital (leverage) ratio | 10.5386% | 2,856 |
| Tier 1 risk-based capital ratio | 12.3725% | 4,465 |
| Total risk-based capital ratio | 13.5570% | 4,411 |
| Memoranda: | ||
| Average total assets | $1,845,962,000 | 444 |
| Average earning assets | $1,690,404,500 | 444 |
| Average equity | $190,150,500 | 455 |
| Average total loans | $1,295,106,500 | 438 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 4,561 |
| Cost of funding earning assets | 0.2223% | 4,809 |
| Net interest margin | 3.3601% | 3,963 |
| Noninterest income to average assets | 1.2678% | 708 |
| Noninterest expense to average assets | 3.1284% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8750% | 2,954 |
| Return on assets (ROA) | 0.8750% | 3,064 |
| Pretax return on assets | 1.2299% | 2,553 |
| Return on Equity (ROE) | 8.4894% | 2,679 |
| Retained earnings to average equity (ytd only) | 3.2994% | 3,570 |
| Net charge-offs to loans | 0.0297% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 59.1391% | 904 |
| Efficiency ratio | 71.7807% | 2,624 |
| Assets per employee ($millions) | 4.0438% | 3,884 |
| Cash dividends to net income (ytd only)* | 61.1354% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,782 |
| Loan loss allowance to noncurrent loans | 104.8540% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0490% | 1,800 |
| Noncurrent loans to loans | 1.4062% | 1,445 |
| Net loans and leases to total assets | 69.2043% | 2,595 |
| Net loans and leases to deposits | 81.2517% | 2,758 |
| Net loans and leases to core deposits | 82.2777% | 3,192 |
| Total domestic deposits to total assets | 85.1727% | 2,973 |
| Equity capital to assets | 10.1590% | 3,536 |
| Core capital (leverage) ratio | 10.0740% | 3,399 |
| Tier 1 risk-based capital ratio | 11.9955% | 4,734 |
| Total risk-based capital ratio | 13.1943% | 4,652 |
| Memoranda: | ||
| Average total assets | $1,832,079,800 | 426 |
| Average earning assets | $1,685,029,400 | 422 |
| Average equity | $188,823,000 | 445 |
| Average total loans | $1,283,444,000 | 416 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5599% | 4,657 |
| Cost of funding earning assets | 0.2240% | 4,844 |
| Net interest margin | 3.3359% | 4,072 |
| Noninterest income to average assets | 1.2847% | 705 |
| Noninterest expense to average assets | 3.1478% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8513% | 3,144 |
| Return on assets (ROA) | 0.8513% | 3,270 |
| Pretax return on assets | 1.2092% | 2,800 |
| Return on Equity (ROE) | 8.2299% | 2,890 |
| Retained earnings to average equity (ytd only) | 2.5186% | 4,411 |
| Net charge-offs to loans | 0.0152% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 113.5558% | 598 |
| Efficiency ratio | 72.2476% | 2,543 |
| Assets per employee ($millions) | 3.9382% | 4,066 |
| Cash dividends to net income (ytd only)* | 69.3968% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 1,839 |
| Loan loss allowance to noncurrent loans | 118.3434% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 2,248 |
| Noncurrent loans to loans | 1.2502% | 1,791 |
| Net loans and leases to total assets | 69.8496% | 2,506 |
| Net loans and leases to deposits | 83.5499% | 2,536 |
| Net loans and leases to core deposits | 84.6265% | 3,066 |
| Total domestic deposits to total assets | 83.6022% | 3,357 |
| Equity capital to assets | 10.3824% | 3,703 |
| Core capital (leverage) ratio | 10.3646% | 3,142 |
| Tier 1 risk-based capital ratio | 11.9184% | 4,840 |
| Total risk-based capital ratio | 13.1433% | 4,753 |
| Memoranda: | ||
| Average total assets | $1,828,100,750 | 426 |
| Average earning assets | $1,683,629,500 | 423 |
| Average equity | $189,094,250 | 448 |
| Average total loans | $1,279,797,000 | 419 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 4,653 |
| Cost of funding earning assets | 0.2308% | 4,844 |
| Net interest margin | 3.3488% | 4,063 |
| Noninterest income to average assets | 1.3109% | 667 |
| Noninterest expense to average assets | 3.1346% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8832% | 2,949 |
| Return on assets (ROA) | 0.8832% | 3,067 |
| Pretax return on assets | 1.2638% | 2,547 |
| Return on Equity (ROE) | 8.5492% | 2,724 |
| Retained earnings to average equity (ytd only) | 1.8544% | 4,631 |
| Net charge-offs to loans | 0.0228% | 3,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 79.3931% | 707 |
| Efficiency ratio | 71.2667% | 2,777 |
| Assets per employee ($millions) | 3.7919% | 4,277 |
| Cash dividends to net income (ytd only)* | 78.3095% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,786 |
| Loan loss allowance to noncurrent loans | 294.2740% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 3,825 |
| Noncurrent loans to loans | 0.5168% | 3,535 |
| Net loans and leases to total assets | 68.5080% | 2,707 |
| Net loans and leases to deposits | 81.0040% | 2,817 |
| Net loans and leases to core deposits | 82.1279% | 3,258 |
| Total domestic deposits to total assets | 84.5736% | 3,064 |
| Equity capital to assets | 10.3711% | 3,770 |
| Core capital (leverage) ratio | 9.9309% | 3,648 |
| Tier 1 risk-based capital ratio | 12.1826% | 4,709 |
| Total risk-based capital ratio | 13.4345% | 4,632 |
| Memoranda: | ||
| Average total assets | $1,821,802,670 | 425 |
| Average earning assets | $1,679,639,000 | 423 |
| Average equity | $188,205,000 | 453 |
| Average total loans | $1,269,898,330 | 424 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5521% | 4,759 |
| Cost of funding earning assets | 0.2348% | 4,859 |
| Net interest margin | 3.3173% | 4,155 |
| Noninterest income to average assets | 1.2559% | 691 |
| Noninterest expense to average assets | 3.1569% | 1,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8205% | 3,151 |
| Return on assets (ROA) | 0.8205% | 3,275 |
| Pretax return on assets | 1.1626% | 2,841 |
| Return on Equity (ROE) | 7.9580% | 2,939 |
| Retained earnings to average equity (ytd only) | 4.3281% | 3,318 |
| Net charge-offs to loans | 0.0331% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 50.2952% | 885 |
| Efficiency ratio | 73.0850% | 2,627 |
| Assets per employee ($millions) | 3.6692% | 4,518 |
| Cash dividends to net income (ytd only)* | 45.6131% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,835 |
| Loan loss allowance to noncurrent loans | 304.4535% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4551% | 3,771 |
| Noncurrent loans to loans | 0.5053% | 3,662 |
| Net loans and leases to total assets | 69.6818% | 2,394 |
| Net loans and leases to deposits | 82.6769% | 2,469 |
| Net loans and leases to core deposits | 84.2739% | 2,909 |
| Total domestic deposits to total assets | 84.2821% | 3,404 |
| Equity capital to assets | 10.5955% | 3,380 |
| Core capital (leverage) ratio | 10.3963% | 3,076 |
| Tier 1 risk-based capital ratio | 12.3207% | 4,716 |
| Total risk-based capital ratio | 13.5727% | 4,609 |
| Memoranda: | ||
| Average total assets | $1,816,959,500 | 422 |
| Average earning assets | $1,678,008,500 | 420 |
| Average equity | $187,334,500 | 453 |
| Average total loans | $1,267,801,500 | 419 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5377% | 4,827 |
| Cost of funding earning assets | 0.2071% | 5,223 |
| Net interest margin | 3.3306% | 4,181 |
| Noninterest income to average assets | 1.4355% | 591 |
| Noninterest expense to average assets | 3.2974% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8375% | 3,171 |
| Return on assets (ROA) | 0.8375% | 3,238 |
| Pretax return on assets | 1.2026% | 2,653 |
| Return on Equity (ROE) | 8.1419% | 2,879 |
| Retained earnings to average equity (ytd only) | 5.2684% | 2,230 |
| Net charge-offs to loans | 0.0948% | 2,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 18.0675% | 2,035 |
| Efficiency ratio | 73.2755% | 2,697 |
| Assets per employee ($millions) | 3.7770% | 4,330 |
| Cash dividends to net income (ytd only)* | 35.2925% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,853 |
| Loan loss allowance to noncurrent loans | 315.5002% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 3,834 |
| Noncurrent loans to loans | 0.4858% | 3,744 |
| Net loans and leases to total assets | 67.7629% | 2,738 |
| Net loans and leases to deposits | 81.7437% | 2,626 |
| Net loans and leases to core deposits | 83.7033% | 2,991 |
| Total domestic deposits to total assets | 82.8968% | 3,872 |
| Equity capital to assets | 10.0356% | 3,919 |
| Core capital (leverage) ratio | 10.2751% | 3,184 |
| Tier 1 risk-based capital ratio | 12.1654% | 4,851 |
| Total risk-based capital ratio | 13.4169% | 4,754 |
| Memoranda: | ||
| Average total assets | $1,759,285,200 | 416 |
| Average earning assets | $1,618,721,200 | 410 |
| Average equity | $180,964,800 | 449 |
| Average total loans | $1,235,184,800 | 405 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 4,861 |
| Cost of funding earning assets | 0.2096% | 5,297 |
| Net interest margin | 3.3423% | 4,172 |
| Noninterest income to average assets | 1.4375% | 604 |
| Noninterest expense to average assets | 3.3159% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8254% | 3,301 |
| Return on assets (ROA) | 0.8254% | 3,384 |
| Pretax return on assets | 1.1921% | 2,851 |
| Return on Equity (ROE) | 7.9720% | 3,086 |
| Retained earnings to average equity (ytd only) | 4.8571% | 3,018 |
| Net charge-offs to loans | 0.0641% | 2,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.3601% | 1,617 |
| Efficiency ratio | 73.5552% | 2,627 |
| Assets per employee ($millions) | 3.5460% | 4,707 |
| Cash dividends to net income (ytd only)* | 39.0734% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 1,708 |
| Loan loss allowance to noncurrent loans | 300.4334% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 3,886 |
| Noncurrent loans to loans | 0.5402% | 3,723 |
| Net loans and leases to total assets | 70.8456% | 2,259 |
| Net loans and leases to deposits | 84.3023% | 2,372 |
| Net loans and leases to core deposits | 86.6717% | 2,781 |
| Total domestic deposits to total assets | 84.0376% | 3,406 |
| Equity capital to assets | 10.6891% | 3,373 |
| Core capital (leverage) ratio | 10.5322% | 3,005 |
| Tier 1 risk-based capital ratio | 12.1922% | 4,967 |
| Total risk-based capital ratio | 13.4434% | 4,866 |
| Memoranda: | ||
| Average total assets | $1,736,429,250 | 422 |
| Average earning assets | $1,595,268,000 | 419 |
| Average equity | $179,773,750 | 455 |
| Average total loans | $1,225,577,250 | 411 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5176% | 4,937 |
| Cost of funding earning assets | 0.2105% | 5,348 |
| Net interest margin | 3.3071% | 4,274 |
| Noninterest income to average assets | 1.4649% | 592 |
| Noninterest expense to average assets | 3.3378% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8061% | 3,352 |
| Return on assets (ROA) | 0.8061% | 3,453 |
| Pretax return on assets | 1.1664% | 2,913 |
| Return on Equity (ROE) | 7.8702% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.2831% | 3,297 |
| Net charge-offs to loans | -0.0441% | 5,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1047% | 2,662 |
| Assets per employee ($millions) | 3.5384% | 4,723 |
| Cash dividends to net income (ytd only)* | 45.5776% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 1,576 |
| Loan loss allowance to noncurrent loans | 277.6159% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 3,702 |
| Noncurrent loans to loans | 0.6159% | 3,618 |
| Net loans and leases to total assets | 69.4919% | 2,408 |
| Net loans and leases to deposits | 82.9145% | 2,443 |
| Net loans and leases to core deposits | 85.3428% | 2,842 |
| Total domestic deposits to total assets | 83.8116% | 3,645 |
| Equity capital to assets | 10.3620% | 3,600 |
| Core capital (leverage) ratio | 10.3400% | 3,163 |
| Tier 1 risk-based capital ratio | 12.3390% | 4,917 |
| Total risk-based capital ratio | 13.5913% | 4,812 |
| Memoranda: | ||
| Average total assets | $1,741,964,330 | 422 |
| Average earning assets | $1,600,941,330 | 416 |
| Average equity | $178,420,670 | 460 |
| Average total loans | $1,221,262,330 | 410 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4682% | 5,040 |
| Cost of funding earning assets | 0.2138% | 5,378 |
| Net interest margin | 3.2544% | 4,404 |
| Noninterest income to average assets | 1.3729% | 613 |
| Noninterest expense to average assets | 3.3726% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6992% | 3,803 |
| Return on assets (ROA) | 0.6992% | 3,932 |
| Pretax return on assets | 0.9958% | 3,525 |
| Return on Equity (ROE) | 6.8660% | 3,575 |
| Retained earnings to average equity (ytd only) | 3.2665% | 4,023 |
| Net charge-offs to loans | 0.0128% | 2,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 111.4615% | 452 |
| Efficiency ratio | 77.2038% | 2,312 |
| Assets per employee ($millions) | 3.4998% | 4,899 |
| Cash dividends to net income (ytd only)* | 52.4246% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6731% | 1,811 |
| Loan loss allowance to noncurrent loans | 376.0379% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 4,130 |
| Noncurrent loans to loans | 0.4449% | 4,252 |
| Net loans and leases to total assets | 69.6390% | 2,189 |
| Net loans and leases to deposits | 82.2897% | 2,304 |
| Net loans and leases to core deposits | 84.6428% | 2,698 |
| Total domestic deposits to total assets | 84.6266% | 3,572 |
| Equity capital to assets | 10.3415% | 3,733 |
| Core capital (leverage) ratio | 10.2382% | 3,294 |
| Tier 1 risk-based capital ratio | 12.1939% | 5,115 |
| Total risk-based capital ratio | 13.4458% | 5,021 |
| Memoranda: | ||
| Average total assets | $1,746,047,500 | 421 |
| Average earning assets | $1,607,159,500 | 418 |
| Average equity | $177,803,000 | 462 |
| Average total loans | $1,218,989,000 | 407 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 4,817 |
| Cost of funding earning assets | 0.2377% | 5,448 |
| Net interest margin | 3.4515% | 3,973 |
| Noninterest income to average assets | 1.4497% | 577 |
| Noninterest expense to average assets | 3.3946% | 1,707 |
| Loan and lease loss provision to assets | 0.0194% | 4,230 |
| Net operating income to assets | 0.7910% | 3,422 |
| Return on assets (ROA) | 0.7910% | 3,516 |
| Pretax return on assets | 1.1513% | 2,866 |
| Return on Equity (ROE) | 7.9083% | 3,182 |
| Retained earnings to average equity (ytd only) | 4.2161% | 3,195 |
| Net charge-offs to loans | 0.0274% | 4,274 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 60.3384% | 790 |
| Efficiency ratio | 74.3574% | 2,775 |
| Assets per employee ($millions) | 3.6748% | 4,581 |
| Cash dividends to net income (ytd only)* | 46.6874% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 1,729 |
| Loan loss allowance to noncurrent loans | 385.7383% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 4,196 |
| Noncurrent loans to loans | 0.4457% | 4,306 |
| Net loans and leases to total assets | 67.6252% | 2,622 |
| Net loans and leases to deposits | 80.4154% | 2,670 |
| Net loans and leases to core deposits | 82.9786% | 2,996 |
| Total domestic deposits to total assets | 84.0949% | 3,668 |
| Equity capital to assets | 10.0254% | 4,076 |
| Core capital (leverage) ratio | 10.1253% | 3,401 |
| Tier 1 risk-based capital ratio | 12.5543% | 5,008 |
| Total risk-based capital ratio | 13.8070% | 4,920 |
| Memoranda: | ||
| Average total assets | $1,706,042,600 | 417 |
| Average earning assets | $1,540,013,400 | 416 |
| Average equity | $170,631,800 | 464 |
| Average total loans | $1,210,138,800 | 387 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 4,750 |
| Cost of funding earning assets | 0.2389% | 5,523 |
| Net interest margin | 3.4984% | 3,835 |
| Noninterest income to average assets | 1.4661% | 582 |
| Noninterest expense to average assets | 3.4204% | 1,613 |
| Loan and lease loss provision to assets | 0.1258% | 1,988 |
| Net operating income to assets | 0.7094% | 3,890 |
| Return on assets (ROA) | 0.7094% | 3,998 |
| Pretax return on assets | 1.0614% | 3,335 |
| Return on Equity (ROE) | 7.0974% | 3,662 |
| Retained earnings to average equity (ytd only) | 3.7139% | 4,000 |
| Net charge-offs to loans | 0.0714% | 3,175 |
| Credit loss provision to net charge-offs | 246.5331% | 1,067 |
| Earnings coverage of net charge-offs (x) | 23.2605% | 1,592 |
| Efficiency ratio | 74.2328% | 2,783 |
| Assets per employee ($millions) | 3.6038% | 4,673 |
| Cash dividends to net income (ytd only)* | 47.6718% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 1,704 |
| Loan loss allowance to noncurrent loans | 278.5687% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 3,923 |
| Noncurrent loans to loans | 0.6437% | 4,005 |
| Net loans and leases to total assets | 69.3848% | 2,293 |
| Net loans and leases to deposits | 82.4748% | 2,363 |
| Net loans and leases to core deposits | 85.5112% | 2,715 |
| Total domestic deposits to total assets | 84.1285% | 3,709 |
| Equity capital to assets | 10.0931% | 4,058 |
| Core capital (leverage) ratio | 10.3425% | 3,225 |
| Tier 1 risk-based capital ratio | 12.3954% | 5,233 |
| Total risk-based capital ratio | 13.6490% | 5,161 |
| Memoranda: | ||
| Average total assets | $1,695,253,000 | 419 |
| Average earning assets | $1,522,368,250 | 419 |
| Average equity | $169,448,500 | 461 |
| Average total loans | $1,211,775,500 | 384 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 4,690 |
| Cost of funding earning assets | 0.2352% | 5,628 |
| Net interest margin | 3.5156% | 3,716 |
| Noninterest income to average assets | 1.4171% | 603 |
| Noninterest expense to average assets | 3.3341% | 1,832 |
| Loan and lease loss provision to assets | 0.1419% | 1,744 |
| Net operating income to assets | 0.7315% | 3,670 |
| Return on assets (ROA) | 0.7315% | 3,763 |
| Pretax return on assets | 1.0938% | 3,126 |
| Return on Equity (ROE) | 7.3429% | 3,448 |
| Retained earnings to average equity (ytd only) | 4.2562% | 3,465 |
| Net charge-offs to loans | 0.0758% | 2,938 |
| Credit loss provision to net charge-offs | 260.8696% | 960 |
| Earnings coverage of net charge-offs (x) | 22.7130% | 1,499 |
| Efficiency ratio | 72.9586% | 3,168 |
| Assets per employee ($millions) | 3.4838% | 4,882 |
| Cash dividends to net income (ytd only)* | 42.0372% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 1,969 |
| Loan loss allowance to noncurrent loans | 245.7120% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 3,770 |
| Noncurrent loans to loans | 0.7134% | 3,920 |
| Net loans and leases to total assets | 70.6497% | 1,974 |
| Net loans and leases to deposits | 82.9524% | 2,143 |
| Net loans and leases to core deposits | 85.9355% | 2,522 |
| Total domestic deposits to total assets | 85.1690% | 3,425 |
| Equity capital to assets | 10.0943% | 3,978 |
| Core capital (leverage) ratio | 10.1518% | 3,411 |
| Tier 1 risk-based capital ratio | 12.1618% | 5,446 |
| Total risk-based capital ratio | 13.4149% | 5,358 |
| Memoranda: | ||
| Average total assets | $1,690,935,670 | 417 |
| Average earning assets | $1,516,446,330 | 420 |
| Average equity | $168,461,000 | 461 |
| Average total loans | $1,213,408,330 | 381 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,682 |
| Cost of funding earning assets | 0.2371% | 5,696 |
| Net interest margin | 3.5099% | 3,648 |
| Noninterest income to average assets | 1.3938% | 597 |
| Noninterest expense to average assets | 3.3661% | 1,793 |
| Loan and lease loss provision to assets | 0.1423% | 1,710 |
| Net operating income to assets | 0.7111% | 3,625 |
| Return on assets (ROA) | 0.7111% | 3,709 |
| Pretax return on assets | 1.0489% | 3,142 |
| Return on Equity (ROE) | 7.1858% | 3,362 |
| Retained earnings to average equity (ytd only) | 3.3508% | 4,117 |
| Net charge-offs to loans | 0.0165% | 3,259 |
| Credit loss provision to net charge-offs | 1,200.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 100.4400% | 460 |
| Efficiency ratio | 73.8614% | 3,167 |
| Assets per employee ($millions) | 3.4295% | 5,080 |
| Cash dividends to net income (ytd only)* | 53.3689% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7477% | 2,203 |
| Loan loss allowance to noncurrent loans | 259.5747% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 4,180 |
| Noncurrent loans to loans | 0.6733% | 4,176 |
| Net loans and leases to total assets | 69.9182% | 1,899 |
| Net loans and leases to deposits | 81.9474% | 2,046 |
| Net loans and leases to core deposits | 84.4313% | 2,467 |
| Total domestic deposits to total assets | 85.3208% | 3,710 |
| Equity capital to assets | 9.8425% | 4,045 |
| Core capital (leverage) ratio | 10.2275% | 3,252 |
| Tier 1 risk-based capital ratio | 12.1109% | 5,562 |
| Total risk-based capital ratio | 13.3641% | 5,498 |
| Memoranda: | ||
| Average total assets | $1,686,358,500 | 419 |
| Average earning assets | $1,519,909,000 | 420 |
| Average equity | $166,885,000 | 463 |
| Average total loans | $1,208,842,500 | 381 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 4,696 |
| Cost of funding earning assets | 0.3123% | 5,498 |
| Net interest margin | 3.5175% | 3,819 |
| Noninterest income to average assets | 1.6506% | 527 |
| Noninterest expense to average assets | 3.4685% | 1,728 |
| Loan and lease loss provision to assets | 0.2272% | 1,603 |
| Net operating income to assets | 0.7557% | 3,515 |
| Return on assets (ROA) | 0.7557% | 3,607 |
| Pretax return on assets | 1.1047% | 2,932 |
| Return on Equity (ROE) | 7.6997% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.1193% | 3,243 |
| Net charge-offs to loans | 0.3571% | 1,890 |
| Credit loss provision to net charge-offs | 90.3614% | 2,744 |
| Earnings coverage of net charge-offs (x) | 5.2971% | 3,337 |
| Efficiency ratio | 72.2538% | 3,428 |
| Assets per employee ($millions) | 3.2516% | 5,388 |
| Cash dividends to net income (ytd only)* | 46.5004% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 2,330 |
| Loan loss allowance to noncurrent loans | 239.8957% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 4,186 |
| Noncurrent loans to loans | 0.7174% | 4,168 |
| Net loans and leases to total assets | 70.9760% | 1,844 |
| Net loans and leases to deposits | 83.5462% | 1,988 |
| Net loans and leases to core deposits | 86.2327% | 2,418 |
| Total domestic deposits to total assets | 84.9542% | 3,774 |
| Equity capital to assets | 9.9513% | 3,834 |
| Core capital (leverage) ratio | 10.1535% | 3,359 |
| Tier 1 risk-based capital ratio | 12.2154% | 5,483 |
| Total risk-based capital ratio | 13.4684% | 5,413 |
| Memoranda: | ||
| Average total assets | $1,650,438,600 | 420 |
| Average earning assets | $1,477,946,200 | 421 |
| Average equity | $161,994,000 | 464 |
| Average total loans | $1,162,050,400 | 382 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 4,784 |
| Cost of funding earning assets | 0.3297% | 5,472 |
| Net interest margin | 3.4876% | 3,934 |
| Noninterest income to average assets | 1.6291% | 549 |
| Noninterest expense to average assets | 3.5170% | 1,578 |
| Loan and lease loss provision to assets | 0.1943% | 1,873 |
| Net operating income to assets | 0.7067% | 3,820 |
| Return on assets (ROA) | 0.7067% | 3,957 |
| Pretax return on assets | 1.0305% | 3,377 |
| Return on Equity (ROE) | 7.2254% | 3,530 |
| Retained earnings to average equity (ytd only) | 3.3350% | 4,308 |
| Net charge-offs to loans | 0.2965% | 2,053 |
| Credit loss provision to net charge-offs | 93.6768% | 2,540 |
| Earnings coverage of net charge-offs (x) | 5.9048% | 3,079 |
| Efficiency ratio | 74.1706% | 3,034 |
| Assets per employee ($millions) | 3.1224% | 5,634 |
| Cash dividends to net income (ytd only)* | 53.8435% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 2,366 |
| Loan loss allowance to noncurrent loans | 114.7675% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 3,022 |
| Noncurrent loans to loans | 1.5517% | 2,837 |
| Net loans and leases to total assets | 69.3597% | 2,073 |
| Net loans and leases to deposits | 82.0022% | 2,134 |
| Net loans and leases to core deposits | 84.8486% | 2,561 |
| Total domestic deposits to total assets | 84.5828% | 3,938 |
| Equity capital to assets | 9.7571% | 4,232 |
| Core capital (leverage) ratio | 10.3482% | 3,169 |
| Tier 1 risk-based capital ratio | 12.2914% | 5,576 |
| Total risk-based capital ratio | 13.5443% | 5,517 |
| Memoranda: | ||
| Average total assets | $1,646,845,250 | 421 |
| Average earning assets | $1,469,800,750 | 424 |
| Average equity | $161,075,000 | 472 |
| Average total loans | $1,151,986,000 | 385 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 4,845 |
| Cost of funding earning assets | 0.3473% | 5,432 |
| Net interest margin | 3.4480% | 4,012 |
| Noninterest income to average assets | 1.6699% | 585 |
| Noninterest expense to average assets | 3.5242% | 1,548 |
| Loan and lease loss provision to assets | 0.1950% | 1,952 |
| Net operating income to assets | 0.7032% | 3,792 |
| Return on assets (ROA) | 0.7032% | 3,963 |
| Pretax return on assets | 1.0324% | 3,361 |
| Return on Equity (ROE) | 7.1838% | 3,494 |
| Retained earnings to average equity (ytd only) | 3.3242% | 4,196 |
| Net charge-offs to loans | 0.2288% | 2,356 |
| Credit loss provision to net charge-offs | 122.2307% | 1,831 |
| Earnings coverage of net charge-offs (x) | 7.6937% | 2,509 |
| Efficiency ratio | 74.1690% | 3,093 |
| Assets per employee ($millions) | 2.9209% | 5,984 |
| Cash dividends to net income (ytd only)* | 53.7262% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8656% | 2,212 |
| Loan loss allowance to noncurrent loans | 191.4063% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 3,731 |
| Noncurrent loans to loans | 0.9747% | 3,988 |
| Net loans and leases to total assets | 70.0129% | 1,881 |
| Net loans and leases to deposits | 82.2561% | 2,031 |
| Net loans and leases to core deposits | 85.0109% | 2,435 |
| Total domestic deposits to total assets | 85.1157% | 3,836 |
| Equity capital to assets | 10.0110% | 3,903 |
| Core capital (leverage) ratio | 10.0934% | 3,381 |
| Tier 1 risk-based capital ratio | 12.5144% | 5,487 |
| Total risk-based capital ratio | 13.7690% | 5,426 |
| Memoranda: | ||
| Average total assets | $1,641,040,000 | 421 |
| Average earning assets | $1,466,723,670 | 427 |
| Average equity | $160,638,670 | 468 |
| Average total loans | $1,144,229,330 | 386 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 4,941 |
| Cost of funding earning assets | 0.3656% | 5,409 |
| Net interest margin | 3.3985% | 4,126 |
| Noninterest income to average assets | 1.5242% | 664 |
| Noninterest expense to average assets | 3.4637% | 1,698 |
| Loan and lease loss provision to assets | 0.1930% | 1,915 |
| Net operating income to assets | 0.6201% | 4,120 |
| Return on assets (ROA) | 0.6201% | 4,280 |
| Pretax return on assets | 0.9033% | 3,750 |
| Return on Equity (ROE) | 6.4056% | 3,816 |
| Retained earnings to average equity (ytd only) | 1.4226% | 5,270 |
| Net charge-offs to loans | 0.1417% | 2,554 |
| Credit loss provision to net charge-offs | 197.5309% | 1,104 |
| Earnings coverage of net charge-offs (x) | 11.2222% | 1,675 |
| Efficiency ratio | 75.9587% | 2,934 |
| Assets per employee ($millions) | 3.0245% | 5,943 |
| Cash dividends to net income (ytd only)* | 77.7907% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 2,268 |
| Loan loss allowance to noncurrent loans | 145.8656% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 1.2038% | 3,562 |
| Noncurrent loans to loans | 1.3111% | 3,595 |
| Net loans and leases to total assets | 66.6102% | 2,263 |
| Net loans and leases to deposits | 78.3464% | 2,293 |
| Net loans and leases to core deposits | 81.0836% | 2,683 |
| Total domestic deposits to total assets | 85.0201% | 4,027 |
| Equity capital to assets | 9.7247% | 4,525 |
| Core capital (leverage) ratio | 9.9842% | 3,408 |
| Tier 1 risk-based capital ratio | 12.6272% | 5,494 |
| Total risk-based capital ratio | 13.8822% | 5,443 |
| Memoranda: | ||
| Average total assets | $1,658,325,500 | 424 |
| Average earning assets | $1,481,358,000 | 426 |
| Average equity | $160,546,500 | 474 |
| Average total loans | $1,143,285,000 | 390 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 4,450 |
| Cost of funding earning assets | 0.4822% | 5,337 |
| Net interest margin | 3.7531% | 3,423 |
| Noninterest income to average assets | 1.9872% | 442 |
| Noninterest expense to average assets | 3.8710% | 1,132 |
| Loan and lease loss provision to assets | 0.1863% | 3,310 |
| Net operating income to assets | 0.8662% | 2,977 |
| Return on assets (ROA) | 0.8662% | 3,219 |
| Pretax return on assets | 1.2582% | 2,580 |
| Return on Equity (ROE) | 8.9334% | 2,675 |
| Retained earnings to average equity (ytd only) | 5.8938% | 2,143 |
| Net charge-offs to loans | 0.3195% | 3,043 |
| Credit loss provision to net charge-offs | 83.4893% | 3,713 |
| Earnings coverage of net charge-offs (x) | 6.4739% | 2,809 |
| Efficiency ratio | 72.3086% | 3,359 |
| Assets per employee ($millions) | 2.7797% | 6,336 |
| Cash dividends to net income (ytd only)* | 34.0257% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 2,548 |
| Loan loss allowance to noncurrent loans | 145.7870% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 1.1899% | 3,675 |
| Noncurrent loans to loans | 1.2438% | 3,765 |
| Net loans and leases to total assets | 68.7017% | 2,077 |
| Net loans and leases to deposits | 80.6756% | 2,193 |
| Net loans and leases to core deposits | 83.7948% | 2,573 |
| Total domestic deposits to total assets | 85.1579% | 3,788 |
| Equity capital to assets | 9.6380% | 4,679 |
| Core capital (leverage) ratio | 9.9491% | 3,469 |
| Tier 1 risk-based capital ratio | 12.1723% | 5,675 |
| Total risk-based capital ratio | 13.4264% | 5,629 |
| Memoranda: | ||
| Average total assets | $1,628,690,000 | 418 |
| Average earning assets | $1,444,307,000 | 418 |
| Average equity | $157,912,200 | 470 |
| Average total loans | $1,137,492,600 | 385 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3287% | 4,337 |
| Cost of funding earning assets | 0.5011% | 5,428 |
| Net interest margin | 3.8276% | 3,219 |
| Noninterest income to average assets | 1.9918% | 426 |
| Noninterest expense to average assets | 3.9236% | 1,038 |
| Loan and lease loss provision to assets | 0.1879% | 3,240 |
| Net operating income to assets | 0.8865% | 3,050 |
| Return on assets (ROA) | 0.8865% | 3,287 |
| Pretax return on assets | 1.2711% | 2,705 |
| Return on Equity (ROE) | 9.1292% | 2,737 |
| Retained earnings to average equity (ytd only) | 6.0785% | 2,649 |
| Net charge-offs to loans | 0.2752% | 3,072 |
| Credit loss provision to net charge-offs | 97.8158% | 3,059 |
| Earnings coverage of net charge-offs (x) | 7.5936% | 2,582 |
| Efficiency ratio | 72.2104% | 3,286 |
| Assets per employee ($millions) | 2.8937% | 6,226 |
| Cash dividends to net income (ytd only)* | 33.4169% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8814% | 2,539 |
| Loan loss allowance to noncurrent loans | 135.6825% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 3,616 |
| Noncurrent loans to loans | 1.3866% | 3,719 |
| Net loans and leases to total assets | 69.7670% | 1,957 |
| Net loans and leases to deposits | 83.0718% | 1,991 |
| Net loans and leases to core deposits | 86.5902% | 2,392 |
| Total domestic deposits to total assets | 83.9840% | 4,229 |
| Equity capital to assets | 9.8031% | 4,779 |
| Core capital (leverage) ratio | 9.9915% | 3,560 |
| Tier 1 risk-based capital ratio | 12.1223% | 5,871 |
| Total risk-based capital ratio | 13.3771% | 5,844 |
| Memoranda: | ||
| Average total assets | $1,620,296,500 | 417 |
| Average earning assets | $1,435,416,250 | 424 |
| Average equity | $157,338,000 | 471 |
| Average total loans | $1,131,092,250 | 387 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 4,216 |
| Cost of funding earning assets | 0.5181% | 5,496 |
| Net interest margin | 3.8737% | 3,021 |
| Noninterest income to average assets | 2.0070% | 404 |
| Noninterest expense to average assets | 3.9381% | 1,023 |
| Loan and lease loss provision to assets | 0.1274% | 3,927 |
| Net operating income to assets | 0.9415% | 2,704 |
| Return on assets (ROA) | 0.9415% | 2,966 |
| Pretax return on assets | 1.3636% | 2,337 |
| Return on Equity (ROE) | 9.7269% | 2,473 |
| Retained earnings to average equity (ytd only) | 5.1387% | 3,194 |
| Net charge-offs to loans | 0.1839% | 3,487 |
| Credit loss provision to net charge-offs | 99.9033% | 2,780 |
| Earnings coverage of net charge-offs (x) | 11.6886% | 1,941 |
| Efficiency ratio | 71.7710% | 3,467 |
| Assets per employee ($millions) | 2.6249% | 6,630 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9057% | 2,537 |
| Loan loss allowance to noncurrent loans | 111.3450% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 3,593 |
| Noncurrent loans to loans | 1.7115% | 3,324 |
| Net loans and leases to total assets | 68.7158% | 2,159 |
| Net loans and leases to deposits | 82.7912% | 2,008 |
| Net loans and leases to core deposits | 86.3244% | 2,385 |
| Total domestic deposits to total assets | 82.9990% | 4,754 |
| Equity capital to assets | 9.8718% | 4,513 |
| Core capital (leverage) ratio | 9.8414% | 3,656 |
| Tier 1 risk-based capital ratio | 12.1064% | 5,859 |
| Total risk-based capital ratio | 13.3612% | 5,831 |
| Memoranda: | ||
| Average total assets | $1,621,197,000 | 418 |
| Average earning assets | $1,432,167,330 | 425 |
| Average equity | $156,926,000 | 471 |
| Average total loans | $1,124,727,000 | 388 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 4,517 |
| Cost of funding earning assets | 0.5300% | 5,607 |
| Net interest margin | 3.8213% | 3,285 |
| Noninterest income to average assets | 1.8350% | 469 |
| Noninterest expense to average assets | 3.9570% | 985 |
| Loan and lease loss provision to assets | 0.1860% | 3,114 |
| Net operating income to assets | 0.7618% | 3,567 |
| Return on assets (ROA) | 0.7618% | 3,803 |
| Pretax return on assets | 1.0683% | 3,444 |
| Return on Equity (ROE) | 7.9489% | 3,306 |
| Retained earnings to average equity (ytd only) | 3.5672% | 4,435 |
| Net charge-offs to loans | 0.1202% | 3,391 |
| Credit loss provision to net charge-offs | 224.1071% | 1,242 |
| Earnings coverage of net charge-offs (x) | 15.1131% | 1,434 |
| Efficiency ratio | 75.1256% | 2,915 |
| Assets per employee ($millions) | 2.6239% | 6,714 |
| Cash dividends to net income (ytd only)* | 55.1232% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 2,524 |
| Loan loss allowance to noncurrent loans | 115.8822% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.6045% | 3,442 |
| Noncurrent loans to loans | 1.6826% | 3,584 |
| Net loans and leases to total assets | 68.7834% | 1,973 |
| Net loans and leases to deposits | 83.4507% | 1,734 |
| Net loans and leases to core deposits | 87.1940% | 2,149 |
| Total domestic deposits to total assets | 82.4239% | 5,152 |
| Equity capital to assets | 9.6950% | 4,528 |
| Core capital (leverage) ratio | 9.8568% | 3,560 |
| Tier 1 risk-based capital ratio | 11.9176% | 6,017 |
| Total risk-based capital ratio | 13.1730% | 6,010 |
| Memoranda: | ||
| Average total assets | $1,619,398,500 | 421 |
| Average earning assets | $1,430,839,000 | 424 |
| Average equity | $155,190,500 | 471 |
| Average total loans | $1,118,000,500 | 384 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7010% | 4,242 |
| Cost of funding earning assets | 0.7221% | 5,392 |
| Net interest margin | 3.9790% | 2,990 |
| Noninterest income to average assets | 1.9659% | 387 |
| Noninterest expense to average assets | 4.0458% | 965 |
| Loan and lease loss provision to assets | 0.1235% | 5,059 |
| Net operating income to assets | 0.9429% | 2,441 |
| Return on assets (ROA) | 0.8950% | 2,759 |
| Pretax return on assets | 1.2522% | 2,292 |
| Return on Equity (ROE) | 9.6085% | 2,206 |
| Retained earnings to average equity (ytd only) | 5.6167% | 2,234 |
| Net charge-offs to loans | 0.0511% | 5,806 |
| Credit loss provision to net charge-offs | 342.6343% | 676 |
| Earnings coverage of net charge-offs (x) | 40.0260% | 678 |
| Efficiency ratio | 72.8762% | 3,416 |
| Assets per employee ($millions) | 2.6468% | 6,664 |
| Cash dividends to net income (ytd only)* | 41.5445% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 2,378 |
| Loan loss allowance to noncurrent loans | 109.0767% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 1.6962% | 3,405 |
| Noncurrent loans to loans | 1.8043% | 3,461 |
| Net loans and leases to total assets | 66.5922% | 2,664 |
| Net loans and leases to deposits | 80.2479% | 2,479 |
| Net loans and leases to core deposits | 83.9000% | 2,907 |
| Total domestic deposits to total assets | 82.9830% | 4,754 |
| Equity capital to assets | 9.4719% | 4,925 |
| Core capital (leverage) ratio | 9.6721% | 3,772 |
| Tier 1 risk-based capital ratio | 12.0470% | 5,805 |
| Total risk-based capital ratio | 13.3022% | 5,783 |
| Memoranda: | ||
| Average total assets | $1,600,258,000 | 412 |
| Average earning assets | $1,416,922,400 | 422 |
| Average equity | $149,055,800 | 471 |
| Average total loans | $1,129,992,600 | 376 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 4,177 |
| Cost of funding earning assets | 0.7684% | 5,343 |
| Net interest margin | 3.9943% | 2,932 |
| Noninterest income to average assets | 1.9824% | 384 |
| Noninterest expense to average assets | 3.9841% | 1,022 |
| Loan and lease loss provision to assets | 0.1026% | 5,163 |
| Net operating income to assets | 1.0152% | 2,266 |
| Return on assets (ROA) | 0.9654% | 2,623 |
| Pretax return on assets | 1.3670% | 2,056 |
| Return on Equity (ROE) | 10.4095% | 2,069 |
| Retained earnings to average equity (ytd only) | 6.1274% | 2,477 |
| Net charge-offs to loans | 0.0117% | 5,987 |
| Credit loss provision to net charge-offs | 1,227.0000% | 224 |
| Earnings coverage of net charge-offs (x) | 184.1500% | 208 |
| Efficiency ratio | 71.2792% | 3,692 |
| Assets per employee ($millions) | 2.6008% | 6,781 |
| Cash dividends to net income (ytd only)* | 41.1362% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9065% | 2,593 |
| Loan loss allowance to noncurrent loans | 98.1217% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.7881% | 3,415 |
| Noncurrent loans to loans | 1.9430% | 3,438 |
| Net loans and leases to total assets | 69.3462% | 2,204 |
| Net loans and leases to deposits | 85.9992% | 1,691 |
| Net loans and leases to core deposits | 90.5893% | 2,177 |
| Total domestic deposits to total assets | 80.6359% | 5,552 |
| Equity capital to assets | 9.6201% | 4,905 |
| Core capital (leverage) ratio | 9.7421% | 3,786 |
| Tier 1 risk-based capital ratio | 11.8375% | 6,013 |
| Total risk-based capital ratio | 13.0925% | 5,991 |
| Memoranda: | ||
| Average total assets | $1,594,705,250 | 419 |
| Average earning assets | $1,413,852,500 | 423 |
| Average equity | $147,900,250 | 482 |
| Average total loans | $1,136,958,750 | 379 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 4,142 |
| Cost of funding earning assets | 0.8093% | 5,308 |
| Net interest margin | 3.9790% | 2,947 |
| Noninterest income to average assets | 1.9901% | 362 |
| Noninterest expense to average assets | 3.9035% | 1,185 |
| Loan and lease loss provision to assets | 0.1537% | 4,391 |
| Net operating income to assets | 1.0279% | 2,113 |
| Return on assets (ROA) | 1.0595% | 2,101 |
| Pretax return on assets | 1.5079% | 1,504 |
| Return on Equity (ROE) | 11.5671% | 1,617 |
| Retained earnings to average equity (ytd only) | 7.6695% | 1,593 |
| Net charge-offs to loans | -0.1092% | 7,187 |
| Credit loss provision to net charge-offs | -196.9502% | 6,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8325% | 4,147 |
| Assets per employee ($millions) | 2.6684% | 6,680 |
| Cash dividends to net income (ytd only)* | 33.6959% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 2,493 |
| Loan loss allowance to noncurrent loans | 136.9349% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.5283% | 3,912 |
| Noncurrent loans to loans | 1.4273% | 4,275 |
| Net loans and leases to total assets | 69.8401% | 2,248 |
| Net loans and leases to deposits | 85.7082% | 1,827 |
| Net loans and leases to core deposits | 90.8375% | 2,275 |
| Total domestic deposits to total assets | 81.4859% | 5,355 |
| Equity capital to assets | 9.4633% | 4,867 |
| Core capital (leverage) ratio | 9.4888% | 3,976 |
| Tier 1 risk-based capital ratio | 11.5780% | 6,107 |
| Total risk-based capital ratio | 12.8340% | 6,095 |
| Memoranda: | ||
| Average total assets | $1,596,569,000 | 423 |
| Average earning assets | $1,416,302,000 | 429 |
| Average equity | $146,242,000 | 484 |
| Average total loans | $1,141,475,670 | 383 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7804% | 4,148 |
| Cost of funding earning assets | 0.8614% | 5,201 |
| Net interest margin | 3.9191% | 3,053 |
| Noninterest income to average assets | 1.8466% | 413 |
| Noninterest expense to average assets | 3.8766% | 1,208 |
| Loan and lease loss provision to assets | 0.5569% | 1,553 |
| Net operating income to assets | 0.6823% | 3,600 |
| Return on assets (ROA) | 0.7071% | 3,559 |
| Pretax return on assets | 0.9234% | 3,417 |
| Return on Equity (ROE) | 7.8495% | 2,981 |
| Retained earnings to average equity (ytd only) | 3.1309% | 4,293 |
| Net charge-offs to loans | 0.2803% | 2,947 |
| Credit loss provision to net charge-offs | 277.3350% | 1,144 |
| Earnings coverage of net charge-offs (x) | 7.2117% | 1,982 |
| Efficiency ratio | 71.8277% | 3,905 |
| Assets per employee ($millions) | 2.6297% | 6,802 |
| Cash dividends to net income (ytd only)* | 60.1132% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 2,662 |
| Loan loss allowance to noncurrent loans | 80.4617% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.9411% | 3,382 |
| Noncurrent loans to loans | 2.3734% | 3,114 |
| Net loans and leases to total assets | 69.8772% | 2,152 |
| Net loans and leases to deposits | 86.6733% | 1,625 |
| Net loans and leases to core deposits | 92.1346% | 2,114 |
| Total domestic deposits to total assets | 80.6213% | 5,781 |
| Equity capital to assets | 9.0982% | 5,055 |
| Core capital (leverage) ratio | 9.1913% | 4,302 |
| Tier 1 risk-based capital ratio | 11.2670% | 6,290 |
| Total risk-based capital ratio | 12.5221% | 6,264 |
| Memoranda: | ||
| Average total assets | $1,599,666,000 | 428 |
| Average earning assets | $1,419,623,500 | 430 |
| Average equity | $144,112,000 | 489 |
| Average total loans | $1,145,783,500 | 386 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0060% | 4,529 |
| Cost of funding earning assets | 1.0725% | 5,299 |
| Net interest margin | 3.9335% | 3,328 |
| Noninterest income to average assets | 1.8971% | 435 |
| Noninterest expense to average assets | 3.8661% | 1,369 |
| Loan and lease loss provision to assets | 1.0569% | 1,522 |
| Net operating income to assets | 0.4293% | 4,410 |
| Return on assets (ROA) | 0.4884% | 4,313 |
| Pretax return on assets | 0.5472% | 4,483 |
| Return on Equity (ROE) | 5.6473% | 3,764 |
| Retained earnings to average equity (ytd only) | 4.0282% | 3,042 |
| Net charge-offs to loans | 0.9798% | 2,225 |
| Credit loss provision to net charge-offs | 148.0471% | 2,463 |
| Earnings coverage of net charge-offs (x) | 2.1540% | 4,100 |
| Efficiency ratio | 70.6055% | 4,054 |
| Assets per employee ($millions) | 2.5983% | 6,858 |
| Cash dividends to net income (ytd only)* | 28.6712% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 2,999 |
| Loan loss allowance to noncurrent loans | 67.5286% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 2.1346% | 3,170 |
| Noncurrent loans to loans | 2.6028% | 2,925 |
| Net loans and leases to total assets | 70.7478% | 2,365 |
| Net loans and leases to deposits | 87.7920% | 1,824 |
| Net loans and leases to core deposits | 92.6502% | 2,426 |
| Total domestic deposits to total assets | 80.5857% | 5,660 |
| Equity capital to assets | 8.9200% | 5,257 |
| Core capital (leverage) ratio | 8.8779% | 4,733 |
| Tier 1 risk-based capital ratio | 10.9092% | 6,402 |
| Total risk-based capital ratio | 12.1625% | 6,370 |
| Memoranda: | ||
| Average total assets | $1,642,462,600 | 414 |
| Average earning assets | $1,464,337,400 | 420 |
| Average equity | $142,050,200 | 486 |
| Average total loans | $1,196,787,800 | 377 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 4,732 |
| Cost of funding earning assets | 1.1003% | 5,415 |
| Net interest margin | 3.9164% | 3,460 |
| Noninterest income to average assets | 1.8224% | 441 |
| Noninterest expense to average assets | 3.8327% | 1,312 |
| Loan and lease loss provision to assets | 1.2233% | 1,161 |
| Net operating income to assets | 0.2735% | 5,265 |
| Return on assets (ROA) | 0.3614% | 5,104 |
| Pretax return on assets | 0.3489% | 5,372 |
| Return on Equity (ROE) | 4.2111% | 4,679 |
| Retained earnings to average equity (ytd only) | 3.5529% | 3,950 |
| Net charge-offs to loans | 0.8504% | 2,320 |
| Credit loss provision to net charge-offs | 196.8576% | 1,814 |
| Earnings coverage of net charge-offs (x) | 2.3885% | 3,979 |
| Efficiency ratio | 71.1372% | 3,862 |
| Assets per employee ($millions) | 2.5979% | 6,943 |
| Cash dividends to net income (ytd only)* | 15.6285% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 2,666 |
| Loan loss allowance to noncurrent loans | 59.3145% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 2.9891% | 2,430 |
| Noncurrent loans to loans | 3.1002% | 2,573 |
| Net loans and leases to total assets | 73.2953% | 1,950 |
| Net loans and leases to deposits | 91.4693% | 1,517 |
| Net loans and leases to core deposits | 96.9591% | 2,152 |
| Total domestic deposits to total assets | 80.1310% | 5,664 |
| Equity capital to assets | 8.9958% | 5,589 |
| Core capital (leverage) ratio | 8.8821% | 4,873 |
| Tier 1 risk-based capital ratio | 10.2372% | 6,941 |
| Total risk-based capital ratio | 11.4913% | 6,921 |
| Memoranda: | ||
| Average total assets | $1,652,297,750 | 408 |
| Average earning assets | $1,474,329,500 | 417 |
| Average equity | $141,813,250 | 481 |
| Average total loans | $1,207,368,500 | 372 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 5,039 |
| Cost of funding earning assets | 1.1174% | 5,582 |
| Net interest margin | 3.8603% | 3,635 |
| Noninterest income to average assets | 1.6505% | 470 |
| Noninterest expense to average assets | 3.7810% | 1,395 |
| Loan and lease loss provision to assets | 1.5464% | 847 |
| Net operating income to assets | 0.0327% | 6,032 |
| Return on assets (ROA) | 0.0317% | 6,130 |
| Pretax return on assets | -0.2356% | 6,365 |
| Return on Equity (ROE) | 0.3750% | 6,116 |
| Retained earnings to average equity (ytd only) | -0.6194% | 5,883 |
| Net charge-offs to loans | 0.7767% | 2,302 |
| Credit loss provision to net charge-offs | 274.3983% | 1,360 |
| Earnings coverage of net charge-offs (x) | 2.3286% | 3,835 |
| Efficiency ratio | 73.2537% | 3,606 |
| Assets per employee ($millions) | 2.6507% | 6,859 |
| Cash dividends to net income (ytd only)* | 265.1515% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 2,418 |
| Loan loss allowance to noncurrent loans | 51.0971% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 3.2561% | 2,164 |
| Noncurrent loans to loans | 3.7136% | 2,102 |
| Net loans and leases to total assets | 70.2815% | 2,843 |
| Net loans and leases to deposits | 87.4919% | 2,261 |
| Net loans and leases to core deposits | 93.3136% | 2,813 |
| Total domestic deposits to total assets | 80.3292% | 5,622 |
| Equity capital to assets | 8.3630% | 6,338 |
| Core capital (leverage) ratio | 8.4490% | 5,498 |
| Tier 1 risk-based capital ratio | 9.9196% | 7,070 |
| Total risk-based capital ratio | 11.1743% | 7,041 |
| Memoranda: | ||
| Average total assets | $1,666,162,330 | 408 |
| Average earning assets | $1,485,980,330 | 415 |
| Average equity | $140,786,000 | 480 |
| Average total loans | $1,208,929,330 | 375 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 5,006 |
| Cost of funding earning assets | 1.1366% | 5,726 |
| Net interest margin | 3.8677% | 3,470 |
| Noninterest income to average assets | 1.6950% | 442 |
| Noninterest expense to average assets | 3.8071% | 1,319 |
| Loan and lease loss provision to assets | 0.9777% | 1,275 |
| Net operating income to assets | 0.3867% | 4,899 |
| Return on assets (ROA) | 0.3836% | 5,047 |
| Pretax return on assets | 0.3547% | 5,437 |
| Return on Equity (ROE) | 4.5164% | 4,649 |
| Retained earnings to average equity (ytd only) | 2.5293% | 4,614 |
| Net charge-offs to loans | 0.7548% | 1,999 |
| Credit loss provision to net charge-offs | 177.3841% | 2,058 |
| Earnings coverage of net charge-offs (x) | 2.4230% | 3,331 |
| Efficiency ratio | 73.0555% | 3,748 |
| Assets per employee ($millions) | 2.5666% | 7,106 |
| Cash dividends to net income (ytd only)* | 43.9975% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 4,539 |
| Loan loss allowance to noncurrent loans | 40.4781% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 3.0768% | 2,326 |
| Noncurrent loans to loans | 3.3998% | 2,353 |
| Net loans and leases to total assets | 70.9985% | 2,700 |
| Net loans and leases to deposits | 89.4777% | 1,991 |
| Net loans and leases to core deposits | 96.1969% | 2,562 |
| Total domestic deposits to total assets | 79.3478% | 6,001 |
| Equity capital to assets | 8.5280% | 5,967 |
| Core capital (leverage) ratio | 8.5674% | 5,260 |
| Tier 1 risk-based capital ratio | 10.1693% | 6,910 |
| Total risk-based capital ratio | 11.3594% | 6,947 |
| Memoranda: | ||
| Average total assets | $1,658,984,500 | 419 |
| Average earning assets | $1,478,807,000 | 432 |
| Average equity | $140,908,000 | 484 |
| Average total loans | $1,211,425,000 | 392 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2673% | 5,336 |
| Cost of funding earning assets | 1.4744% | 5,617 |
| Net interest margin | 3.7929% | 3,740 |
| Noninterest income to average assets | 1.7723% | 472 |
| Noninterest expense to average assets | 4.0024% | 1,359 |
| Loan and lease loss provision to assets | 0.7960% | 2,743 |
| Net operating income to assets | 0.3466% | 4,334 |
| Return on assets (ROA) | 0.3383% | 4,468 |
| Pretax return on assets | 0.3834% | 4,540 |
| Return on Equity (ROE) | 4.0218% | 4,088 |
| Retained earnings to average equity (ytd only) | 2.1204% | 3,619 |
| Net charge-offs to loans | 1.0253% | 2,361 |
| Credit loss provision to net charge-offs | 103.1946% | 5,351 |
| Earnings coverage of net charge-offs (x) | 1.5412% | 4,596 |
| Efficiency ratio | 72.7487% | 4,140 |
| Assets per employee ($millions) | 2.7167% | 6,820 |
| Cash dividends to net income (ytd only)* | 47.2772% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 5,413 |
| Loan loss allowance to noncurrent loans | 61.0098% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 2.0674% | 3,311 |
| Noncurrent loans to loans | 1.9544% | 3,726 |
| Net loans and leases to total assets | 73.1708% | 2,463 |
| Net loans and leases to deposits | 92.0764% | 1,889 |
| Net loans and leases to core deposits | 105.7790% | 3,366 |
| Total domestic deposits to total assets | 79.4675% | 5,855 |
| Equity capital to assets | 8.4593% | 5,953 |
| Core capital (leverage) ratio | 8.3768% | 5,482 |
| Tier 1 risk-based capital ratio | 9.8544% | 6,982 |
| Total risk-based capital ratio | 10.8898% | 7,110 |
| Memoranda: | ||
| Average total assets | $1,688,242,600 | 413 |
| Average earning assets | $1,521,745,200 | 414 |
| Average equity | $142,000,200 | 477 |
| Average total loans | $1,270,077,600 | 388 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2975% | 5,437 |
| Cost of funding earning assets | 1.5496% | 5,636 |
| Net interest margin | 3.7479% | 3,873 |
| Noninterest income to average assets | 1.7912% | 457 |
| Noninterest expense to average assets | 3.7762% | 1,644 |
| Loan and lease loss provision to assets | 0.7108% | 2,598 |
| Net operating income to assets | 0.6127% | 3,563 |
| Return on assets (ROA) | 0.5623% | 3,829 |
| Pretax return on assets | 0.6361% | 4,069 |
| Return on Equity (ROE) | 6.6948% | 3,220 |
| Retained earnings to average equity (ytd only) | 4.1667% | 2,954 |
| Net charge-offs to loans | 0.8964% | 2,172 |
| Credit loss provision to net charge-offs | 104.9954% | 4,835 |
| Earnings coverage of net charge-offs (x) | 2.0741% | 4,267 |
| Efficiency ratio | 72.0005% | 4,240 |
| Assets per employee ($millions) | 2.7108% | 6,826 |
| Cash dividends to net income (ytd only)* | 37.7622% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 5,226 |
| Loan loss allowance to noncurrent loans | 55.1666% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.7863% | 3,675 |
| Noncurrent loans to loans | 2.1384% | 3,461 |
| Net loans and leases to total assets | 73.0051% | 2,791 |
| Net loans and leases to deposits | 93.5162% | 1,962 |
| Net loans and leases to core deposits | 108.8955% | 3,355 |
| Total domestic deposits to total assets | 78.0669% | 6,072 |
| Equity capital to assets | 8.4806% | 6,271 |
| Core capital (leverage) ratio | 8.1892% | 6,035 |
| Tier 1 risk-based capital ratio | 9.6517% | 7,274 |
| Total risk-based capital ratio | 10.6798% | 7,390 |
| Memoranda: | ||
| Average total assets | $1,695,322,750 | 425 |
| Average earning assets | $1,533,064,500 | 427 |
| Average equity | $142,395,750 | 487 |
| Average total loans | $1,280,288,250 | 399 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 5,439 |
| Cost of funding earning assets | 1.6218% | 5,658 |
| Net interest margin | 3.7201% | 3,875 |
| Noninterest income to average assets | 1.8285% | 435 |
| Noninterest expense to average assets | 3.8378% | 1,594 |
| Loan and lease loss provision to assets | 0.6459% | 2,494 |
| Net operating income to assets | 0.5983% | 3,682 |
| Return on assets (ROA) | 0.6329% | 3,652 |
| Pretax return on assets | 0.7463% | 3,844 |
| Return on Equity (ROE) | 7.5587% | 2,942 |
| Retained earnings to average equity (ytd only) | 5.5907% | 2,204 |
| Net charge-offs to loans | 0.7737% | 2,134 |
| Credit loss provision to net charge-offs | 109.7600% | 4,223 |
| Earnings coverage of net charge-offs (x) | 2.2968% | 3,918 |
| Efficiency ratio | 73.0631% | 4,182 |
| Assets per employee ($millions) | 2.6783% | 6,882 |
| Cash dividends to net income (ytd only)* | 26.0368% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 5,222 |
| Loan loss allowance to noncurrent loans | 62.4375% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.5736% | 3,867 |
| Noncurrent loans to loans | 1.8532% | 3,728 |
| Net loans and leases to total assets | 73.7490% | 2,772 |
| Net loans and leases to deposits | 93.5934% | 2,158 |
| Net loans and leases to core deposits | 109.3402% | 3,451 |
| Total domestic deposits to total assets | 78.7972% | 5,863 |
| Equity capital to assets | 8.4854% | 6,069 |
| Core capital (leverage) ratio | 8.1038% | 6,158 |
| Tier 1 risk-based capital ratio | 9.2159% | 7,589 |
| Total risk-based capital ratio | 10.2063% | 7,744 |
| Memoranda: | ||
| Average total assets | $1,699,290,000 | 433 |
| Average earning assets | $1,535,209,330 | 432 |
| Average equity | $142,273,000 | 493 |
| Average total loans | $1,292,499,330 | 408 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4326% | 5,259 |
| Cost of funding earning assets | 1.7260% | 5,486 |
| Net interest margin | 3.7066% | 3,867 |
| Noninterest income to average assets | 1.7843% | 428 |
| Noninterest expense to average assets | 3.8063% | 1,459 |
| Loan and lease loss provision to assets | 0.4830% | 2,548 |
| Net operating income to assets | 0.6563% | 3,770 |
| Return on assets (ROA) | 0.7899% | 3,335 |
| Pretax return on assets | 1.0067% | 3,322 |
| Return on Equity (ROE) | 9.4989% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.9535% | 2,648 |
| Net charge-offs to loans | 0.5888% | 1,998 |
| Credit loss provision to net charge-offs | 106.8336% | 3,578 |
| Earnings coverage of net charge-offs (x) | 2.9160% | 3,338 |
| Efficiency ratio | 73.3708% | 3,934 |
| Assets per employee ($millions) | 2.6597% | 6,961 |
| Cash dividends to net income (ytd only)* | 37.3246% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,319 |
| Loan loss allowance to noncurrent loans | 91.9985% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.1039% | 4,478 |
| Noncurrent loans to loans | 1.2187% | 4,535 |
| Net loans and leases to total assets | 73.9976% | 2,757 |
| Net loans and leases to deposits | 94.4410% | 2,203 |
| Net loans and leases to core deposits | 111.0691% | 3,299 |
| Total domestic deposits to total assets | 78.3532% | 5,905 |
| Equity capital to assets | 8.1900% | 6,551 |
| Core capital (leverage) ratio | 8.1267% | 6,235 |
| Tier 1 risk-based capital ratio | 9.5747% | 7,367 |
| Total risk-based capital ratio | 10.5730% | 7,543 |
| Memoranda: | ||
| Average total assets | $1,695,909,500 | 431 |
| Average earning assets | $1,528,398,500 | 434 |
| Average equity | $141,026,500 | 495 |
| Average total loans | $1,302,286,500 | 409 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1970% | 4,531 |
| Cost of funding earning assets | 2.4097% | 4,679 |
| Net interest margin | 3.7873% | 4,073 |
| Noninterest income to average assets | 1.5719% | 567 |
| Noninterest expense to average assets | 3.5947% | 2,161 |
| Loan and lease loss provision to assets | 0.3492% | 3,605 |
| Net operating income to assets | 0.8261% | 3,330 |
| Return on assets (ROA) | 0.8471% | 3,070 |
| Pretax return on assets | 1.0806% | 3,095 |
| Return on Equity (ROE) | 10.2362% | 2,174 |
| Retained earnings to average equity (ytd only) | 7.3168% | 1,049 |
| Net charge-offs to loans | 0.3511% | 3,074 |
| Credit loss provision to net charge-offs | 129.0049% | 4,131 |
| Earnings coverage of net charge-offs (x) | 5.1821% | 3,732 |
| Efficiency ratio | 71.9289% | 3,952 |
| Assets per employee ($millions) | 2.5751% | 7,057 |
| Cash dividends to net income (ytd only)* | 28.5205% | 4,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 5,441 |
| Loan loss allowance to noncurrent loans | 100.7570% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9965% | 4,348 |
| Noncurrent loans to loans | 1.0686% | 4,432 |
| Net loans and leases to total assets | 77.9343% | 2,161 |
| Net loans and leases to deposits | 102.0018% | 1,588 |
| Net loans and leases to core deposits | 118.3427% | 2,849 |
| Total domestic deposits to total assets | 76.4049% | 6,144 |
| Equity capital to assets | 8.4439% | 6,180 |
| Core capital (leverage) ratio | 8.0364% | 6,427 |
| Tier 1 risk-based capital ratio | 9.6001% | 7,212 |
| Total risk-based capital ratio | 10.6087% | 7,380 |
| Memoranda: | ||
| Average total assets | $1,655,621,600 | 426 |
| Average earning assets | $1,497,500,200 | 424 |
| Average equity | $137,013,600 | 514 |
| Average total loans | $1,276,555,800 | 406 |