| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0556% | 1,962 |
| Cost of funding earning assets | 1.3685% | 2,311 |
| Net interest margin | 3.6870% | 1,788 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 2.5509% | 2,153 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.3444% | 1,336 |
| Return on assets (ROA) | 1.3444% | 1,309 |
| Pretax return on assets | 1.6643% | 1,131 |
| Return on Equity (ROE) | 14.2600% | 1,435 |
| Retained earnings to average equity (ytd only) | 10.5166% | 902 |
| Net charge-offs to loans | 0.0586% | 1,270 |
| Credit loss provision to net charge-offs | 238.0952% | 1,108 |
| Earnings coverage of net charge-offs (x) | 48.6746% | 1,311 |
| Efficiency ratio | 58.7126% | 3,219 |
| Assets per employee ($millions) | 7.4022% | 1,804 |
| Cash dividends to net income (ytd only)* | 26.2654% | 2,702 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2060% | 2,265 |
| Loan loss allowance to noncurrent loans | 276.0382% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 1,602 |
| Noncurrent loans to loans | 0.4369% | 1,684 |
| Net loans and leases to total assets | 66.8800% | 2,159 |
| Net loans and leases to deposits | 75.2143% | 2,528 |
| Net loans and leases to core deposits | 78.4078% | 2,808 |
| Total domestic deposits to total assets | 88.9100% | 1,095 |
| Equity capital to assets | 10.3168% | 1,837 |
| Core capital (leverage) ratio | 9.8318% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2755% | 1,451 |
| Memoranda: |
| Average total assets | $4,205,640,800 | 310 |
| Average earning assets | $3,892,300,000 | 302 |
| Average equity | $396,430,800 | 317 |
| Average total loans | $2,581,397,800 | 336 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9728% | 1,888 |
| Cost of funding earning assets | 1.3199% | 2,095 |
| Net interest margin | 3.6529% | 1,880 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 2.5092% | 2,214 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.3527% | 1,416 |
| Return on assets (ROA) | 1.3527% | 1,394 |
| Pretax return on assets | 1.6748% | 1,208 |
| Return on Equity (ROE) | 14.6800% | 1,510 |
| Retained earnings to average equity (ytd only) | 10.4231% | 1,290 |
| Net charge-offs to loans | 0.0512% | 1,166 |
| Credit loss provision to net charge-offs | 246.1538% | 995 |
| Earnings coverage of net charge-offs (x) | 57.0790% | 1,233 |
| Efficiency ratio | 58.3085% | 3,168 |
| Assets per employee ($millions) | 7.4932% | 1,636 |
| Cash dividends to net income (ytd only)* | 29.0149% | 2,102 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2254% | 2,249 |
| Loan loss allowance to noncurrent loans | 540.7936% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 2,580 |
| Noncurrent loans to loans | 0.2266% | 2,443 |
| Net loans and leases to total assets | 65.0100% | 2,345 |
| Net loans and leases to deposits | 72.8324% | 2,660 |
| Net loans and leases to core deposits | 75.4204% | 2,908 |
| Total domestic deposits to total assets | 89.2600% | 1,172 |
| Equity capital to assets | 9.9206% | 1,873 |
| Core capital (leverage) ratio | 9.3320% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2681% | 1,487 |
| Memoranda: |
| Average total assets | $4,239,247,250 | 309 |
| Average earning assets | $3,925,255,750 | 303 |
| Average equity | $390,533,250 | 322 |
| Average total loans | $2,537,772,750 | 341 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8372% | 1,910 |
| Cost of funding earning assets | 1.2494% | 1,853 |
| Net interest margin | 3.5878% | 2,066 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.3926% | 2,513 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4244% | 1,273 |
| Return on assets (ROA) | 1.4244% | 1,255 |
| Pretax return on assets | 1.7664% | 1,084 |
| Return on Equity (ROE) | 15.8400% | 1,295 |
| Retained earnings to average equity (ytd only) | 13.7078% | 719 |
| Net charge-offs to loans | 0.0516% | 998 |
| Credit loss provision to net charge-offs | 232.9193% | 987 |
| Earnings coverage of net charge-offs (x) | 61.3820% | 1,187 |
| Efficiency ratio | 55.9867% | 3,419 |
| Assets per employee ($millions) | 8.3008% | 1,187 |
| Cash dividends to net income (ytd only)* | 13.4738% | 2,631 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2433% | 2,208 |
| Loan loss allowance to noncurrent loans | 456.7290% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 2,455 |
| Noncurrent loans to loans | 0.2722% | 2,180 |
| Net loans and leases to total assets | 56.7100% | 3,069 |
| Net loans and leases to deposits | 71.6608% | 2,673 |
| Net loans and leases to core deposits | 73.8378% | 2,899 |
| Total domestic deposits to total assets | 79.1400% | 3,702 |
| Equity capital to assets | 8.9792% | 2,522 |
| Core capital (leverage) ratio | 8.5809% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3639% | 1,469 |
| Memoranda: |
| Average total assets | $4,306,044,667 | 297 |
| Average earning assets | $3,988,572,667 | 290 |
| Average equity | $387,151,667 | 314 |
| Average total loans | $2,497,645,333 | 332 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5922% | 2,106 |
| Cost of funding earning assets | 0.8926% | 2,392 |
| Net interest margin | 3.6996% | 1,900 |
| Noninterest income to average assets | 1.0500% | 534 |
| Noninterest expense to average assets | 2.4120% | 2,496 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.6015% | 975 |
| Return on assets (ROA) | 1.6015% | 971 |
| Pretax return on assets | 1.9797% | 810 |
| Return on Equity (ROE) | 17.8000% | 1,050 |
| Retained earnings to average equity (ytd only) | 15.8299% | 707 |
| Net charge-offs to loans | 0.0681% | 727 |
| Credit loss provision to net charge-offs | 214.7971% | 798 |
| Earnings coverage of net charge-offs (x) | 51.9690% | 1,093 |
| Efficiency ratio | 53.3013% | 3,676 |
| Assets per employee ($millions) | 8.5033% | 1,124 |
| Cash dividends to net income (ytd only)* | 11.0677% | 2,155 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2713% | 2,178 |
| Loan loss allowance to noncurrent loans | 458.3768% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 2,424 |
| Noncurrent loans to loans | 0.2774% | 2,153 |
| Net loans and leases to total assets | 54.8100% | 3,133 |
| Net loans and leases to deposits | 69.0616% | 2,687 |
| Net loans and leases to core deposits | 70.5524% | 2,916 |
| Total domestic deposits to total assets | 79.3600% | 3,853 |
| Equity capital to assets | 8.7230% | 2,721 |
| Core capital (leverage) ratio | 9.0672% | 3,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1863% | 1,578 |
| Memoranda: |
| Average total assets | $4,217,856,500 | 311 |
| Average earning assets | $3,905,855,000 | 304 |
| Average equity | $379,484,500 | 327 |
| Average total loans | $2,459,489,500 | 346 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7943% | 2,298 |
| Cost of funding earning assets | 0.3013% | 2,863 |
| Net interest margin | 3.4930% | 1,952 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.4916% | 2,144 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.3113% | 1,389 |
| Return on assets (ROA) | 1.3130% | 1,349 |
| Pretax return on assets | 1.6007% | 1,168 |
| Return on Equity (ROE) | 14.3900% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.9314% | 521 |
| Net charge-offs to loans | 0.0670% | 978 |
| Credit loss provision to net charge-offs | 164.2710% | 1,241 |
| Earnings coverage of net charge-offs (x) | 44.0773% | 1,444 |
| Efficiency ratio | 59.3489% | 3,143 |
| Assets per employee ($millions) | 7.5038% | 1,614 |
| Cash dividends to net income (ytd only)* | 10.1084% | 3,231 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1783% | 2,502 |
| Loan loss allowance to noncurrent loans | 360.7935% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 2,107 |
| Noncurrent loans to loans | 0.3266% | 1,978 |
| Net loans and leases to total assets | 60.7600% | 2,578 |
| Net loans and leases to deposits | 67.5743% | 2,762 |
| Net loans and leases to core deposits | 68.6969% | 2,964 |
| Total domestic deposits to total assets | 89.9100% | 1,404 |
| Equity capital to assets | 9.3077% | 2,147 |
| Core capital (leverage) ratio | 8.7368% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4877% | 1,786 |
| Memoranda: |
| Average total assets | $3,877,938,000 | 322 |
| Average earning assets | $3,603,113,800 | 314 |
| Average equity | $353,951,400 | 337 |
| Average total loans | $2,179,719,200 | 354 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5404% | 2,489 |
| Cost of funding earning assets | 0.2577% | 2,634 |
| Net interest margin | 3.2826% | 2,344 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 2.4757% | 2,080 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1559% | 1,876 |
| Return on assets (ROA) | 1.1581% | 1,841 |
| Pretax return on assets | 1.4035% | 1,705 |
| Return on Equity (ROE) | 12.7500% | 1,788 |
| Retained earnings to average equity (ytd only) | 11.6162% | 883 |
| Net charge-offs to loans | 0.0465% | 1,020 |
| Credit loss provision to net charge-offs | 243.9024% | 906 |
| Earnings coverage of net charge-offs (x) | 57.3740% | 1,197 |
| Efficiency ratio | 62.1591% | 2,809 |
| Assets per employee ($millions) | 7.6434% | 1,521 |
| Cash dividends to net income (ytd only)* | 8.9146% | 2,872 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2426% | 2,307 |
| Loan loss allowance to noncurrent loans | 437.9662% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 2,401 |
| Noncurrent loans to loans | 0.2837% | 2,233 |
| Net loans and leases to total assets | 57.6400% | 2,745 |
| Net loans and leases to deposits | 63.8606% | 2,878 |
| Net loans and leases to core deposits | 64.7320% | 3,053 |
| Total domestic deposits to total assets | 90.2600% | 1,546 |
| Equity capital to assets | 8.8636% | 2,309 |
| Core capital (leverage) ratio | 8.3411% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3237% | 1,929 |
| Memoranda: |
| Average total assets | $3,858,802,750 | 321 |
| Average earning assets | $3,591,525,000 | 314 |
| Average equity | $350,421,500 | 346 |
| Average total loans | $2,116,848,500 | 362 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3101% | 2,707 |
| Cost of funding earning assets | 0.2391% | 2,402 |
| Net interest margin | 3.0710% | 2,646 |
| Noninterest income to average assets | 0.9068% | 830 |
| Noninterest expense to average assets | 2.4487% | 2,085 |
| Loan and lease loss provision to assets | 0.0628% | 1,474 |
| Net operating income to assets | 1.0429% | 2,007 |
| Return on assets (ROA) | 1.0464% | 1,957 |
| Pretax return on assets | 1.2612% | 1,866 |
| Return on Equity (ROE) | 11.4278% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.1130% | 983 |
| Net charge-offs to loans | 0.0401% | 987 |
| Credit loss provision to net charge-offs | 291.9708% | 810 |
| Earnings coverage of net charge-offs (x) | 61.3820% | 1,070 |
| Efficiency ratio | 64.2409% | 2,744 |
| Assets per employee ($millions) | 7.7788% | 1,427 |
| Cash dividends to net income (ytd only)* | 11.5050% | 2,729 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2975% | 2,203 |
| Loan loss allowance to noncurrent loans | 264.6207% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 1,874 |
| Noncurrent loans to loans | 0.4903% | 1,647 |
| Net loans and leases to total assets | 55.1838% | 2,837 |
| Net loans and leases to deposits | 60.8853% | 2,983 |
| Net loans and leases to core deposits | 61.7566% | 3,136 |
| Total domestic deposits to total assets | 90.6357% | 1,406 |
| Equity capital to assets | 8.7433% | 2,580 |
| Core capital (leverage) ratio | 8.1996% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3809% | 1,907 |
| Memoranda: |
| Average total assets | $3,822,764,333 | 323 |
| Average earning assets | $3,562,338,000 | 316 |
| Average equity | $350,025,000 | 348 |
| Average total loans | $2,050,665,667 | 359 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0949% | 2,994 |
| Cost of funding earning assets | 0.2322% | 2,361 |
| Net interest margin | 2.8626% | 2,948 |
| Noninterest income to average assets | 0.9631% | 735 |
| Noninterest expense to average assets | 2.4290% | 2,076 |
| Loan and lease loss provision to assets | 0.0637% | 1,271 |
| Net operating income to assets | 0.9523% | 2,067 |
| Return on assets (ROA) | 0.9593% | 2,031 |
| Pretax return on assets | 1.1497% | 1,983 |
| Return on Equity (ROE) | 10.2359% | 1,874 |
| Retained earnings to average equity (ytd only) | 9.6234% | 1,117 |
| Net charge-offs to loans | 0.0131% | 1,286 |
| Credit loss provision to net charge-offs | 923.0769% | 356 |
| Earnings coverage of net charge-offs (x) | 174.7231% | 469 |
| Efficiency ratio | 66.0672% | 2,764 |
| Assets per employee ($millions) | 7.8045% | 1,485 |
| Cash dividends to net income (ytd only)* | 5.9839% | 2,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4139% | 1,858 |
| Loan loss allowance to noncurrent loans | 275.7567% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 1,960 |
| Noncurrent loans to loans | 0.5127% | 1,742 |
| Net loans and leases to total assets | 51.1819% | 3,048 |
| Net loans and leases to deposits | 56.7315% | 3,192 |
| Net loans and leases to core deposits | 57.5813% | 3,338 |
| Total domestic deposits to total assets | 90.2178% | 1,435 |
| Equity capital to assets | 9.1170% | 2,612 |
| Core capital (leverage) ratio | 8.2948% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2378% | 1,710 |
| Memoranda: |
| Average total assets | $3,769,999,000 | 328 |
| Average earning assets | $3,517,450,500 | 321 |
| Average equity | $353,306,500 | 357 |
| Average total loans | $1,977,858,500 | 372 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1364% | 3,612 |
| Cost of funding earning assets | 0.2507% | 2,925 |
| Net interest margin | 2.8857% | 3,480 |
| Noninterest income to average assets | 1.1110% | 845 |
| Noninterest expense to average assets | 2.4000% | 2,492 |
| Loan and lease loss provision to assets | 0.0649% | 1,766 |
| Net operating income to assets | 1.1223% | 2,202 |
| Return on assets (ROA) | 1.1532% | 2,152 |
| Pretax return on assets | 1.3639% | 2,161 |
| Return on Equity (ROE) | 11.2667% | 2,066 |
| Retained earnings to average equity (ytd only) | 0.0268% | 4,478 |
| Net charge-offs to loans | 0.0682% | 1,112 |
| Credit loss provision to net charge-offs | 181.4542% | 1,364 |
| Earnings coverage of net charge-offs (x) | 38.9551% | 1,455 |
| Efficiency ratio | 62.4628% | 2,797 |
| Assets per employee ($millions) | 7.9236% | 1,370 |
| Cash dividends to net income (ytd only)* | 99.7620% | 207 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4150% | 1,861 |
| Loan loss allowance to noncurrent loans | 284.0681% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2958% | 2,061 |
| Noncurrent loans to loans | 0.4981% | 1,879 |
| Net loans and leases to total assets | 52.2828% | 3,030 |
| Net loans and leases to deposits | 58.1891% | 3,236 |
| Net loans and leases to core deposits | 59.1481% | 3,378 |
| Total domestic deposits to total assets | 89.8499% | 1,029 |
| Equity capital to assets | 9.6368% | 3,009 |
| Core capital (leverage) ratio | 8.2800% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3472% | 1,725 |
| Memoranda: |
| Average total assets | $3,424,539,400 | 341 |
| Average earning assets | $3,181,985,200 | 334 |
| Average equity | $350,521,200 | 358 |
| Average total loans | $1,794,115,400 | 394 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1118% | 3,785 |
| Cost of funding earning assets | 0.2532% | 3,087 |
| Net interest margin | 2.8586% | 3,635 |
| Noninterest income to average assets | 1.1551% | 855 |
| Noninterest expense to average assets | 2.3597% | 2,565 |
| Loan and lease loss provision to assets | 0.0715% | 1,603 |
| Net operating income to assets | 1.1677% | 2,286 |
| Return on assets (ROA) | 1.2098% | 2,192 |
| Pretax return on assets | 1.4263% | 2,226 |
| Return on Equity (ROE) | 11.6322% | 2,162 |
| Retained earnings to average equity (ytd only) | 4.4349% | 3,432 |
| Net charge-offs to loans | 0.0552% | 1,099 |
| Credit loss provision to net charge-offs | 247.9339% | 1,103 |
| Earnings coverage of net charge-offs (x) | 50.2355% | 1,238 |
| Efficiency ratio | 61.1300% | 2,814 |
| Assets per employee ($millions) | 7.6007% | 1,508 |
| Cash dividends to net income (ytd only)* | 61.8743% | 800 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4428% | 1,839 |
| Loan loss allowance to noncurrent loans | 328.5056% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 2,410 |
| Noncurrent loans to loans | 0.4392% | 2,241 |
| Net loans and leases to total assets | 52.9048% | 3,098 |
| Net loans and leases to deposits | 59.1359% | 3,319 |
| Net loans and leases to core deposits | 60.1719% | 3,460 |
| Total domestic deposits to total assets | 89.4630% | 1,033 |
| Equity capital to assets | 9.9175% | 2,982 |
| Core capital (leverage) ratio | 8.8102% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8414% | 1,671 |
| Memoranda: |
| Average total assets | $3,357,578,500 | 344 |
| Average earning assets | $3,115,979,500 | 340 |
| Average equity | $349,194,750 | 357 |
| Average total loans | $1,753,096,500 | 403 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2087% | 3,662 |
| Cost of funding earning assets | 0.2641% | 3,149 |
| Net interest margin | 2.9445% | 3,461 |
| Noninterest income to average assets | 1.2452% | 755 |
| Noninterest expense to average assets | 2.4811% | 2,208 |
| Loan and lease loss provision to assets | 0.0761% | 1,566 |
| Net operating income to assets | 1.2167% | 2,124 |
| Return on assets (ROA) | 1.2847% | 1,983 |
| Pretax return on assets | 1.4988% | 2,018 |
| Return on Equity (ROE) | 12.1580% | 1,993 |
| Retained earnings to average equity (ytd only) | 1.2658% | 4,285 |
| Net charge-offs to loans | 0.0569% | 1,048 |
| Credit loss provision to net charge-offs | 255.8635% | 954 |
| Earnings coverage of net charge-offs (x) | 50.2665% | 1,065 |
| Efficiency ratio | 61.5320% | 2,794 |
| Assets per employee ($millions) | 7.1293% | 1,703 |
| Cash dividends to net income (ytd only)* | 89.5886% | 369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6110% | 1,245 |
| Loan loss allowance to noncurrent loans | 291.6879% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 2,277 |
| Noncurrent loans to loans | 0.5523% | 2,016 |
| Net loans and leases to total assets | 50.9931% | 3,448 |
| Net loans and leases to deposits | 57.1372% | 3,626 |
| Net loans and leases to core deposits | 58.0960% | 3,753 |
| Total domestic deposits to total assets | 89.2469% | 1,165 |
| Equity capital to assets | 10.0962% | 2,768 |
| Core capital (leverage) ratio | 8.4409% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2690% | 1,536 |
| Memoranda: |
| Average total assets | $3,152,027,667 | 357 |
| Average earning assets | $2,924,282,333 | 355 |
| Average equity | $333,064,333 | 366 |
| Average total loans | $1,649,865,333 | 433 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2248% | 3,637 |
| Cost of funding earning assets | 0.2696% | 3,278 |
| Net interest margin | 2.9553% | 3,371 |
| Noninterest income to average assets | 1.2992% | 754 |
| Noninterest expense to average assets | 2.4191% | 2,441 |
| Loan and lease loss provision to assets | 0.0778% | 1,638 |
| Net operating income to assets | 1.3439% | 1,697 |
| Return on assets (ROA) | 1.4846% | 1,427 |
| Pretax return on assets | 1.7004% | 1,489 |
| Return on Equity (ROE) | 13.7243% | 1,486 |
| Retained earnings to average equity (ytd only) | 12.8732% | 947 |
| Net charge-offs to loans | 0.0611% | 917 |
| Credit loss provision to net charge-offs | 241.9355% | 830 |
| Earnings coverage of net charge-offs (x) | 50.2661% | 898 |
| Efficiency ratio | 59.0836% | 3,147 |
| Assets per employee ($millions) | 7.0650% | 1,755 |
| Cash dividends to net income (ytd only)* | 6.2014% | 2,316 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6402% | 1,193 |
| Loan loss allowance to noncurrent loans | 280.7656% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 2,420 |
| Noncurrent loans to loans | 0.5842% | 2,112 |
| Net loans and leases to total assets | 50.8208% | 3,555 |
| Net loans and leases to deposits | 57.1865% | 3,703 |
| Net loans and leases to core deposits | 58.1390% | 3,824 |
| Total domestic deposits to total assets | 88.8685% | 1,407 |
| Equity capital to assets | 10.4398% | 2,323 |
| Core capital (leverage) ratio | 9.3433% | 3,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3818% | 1,200 |
| Memoranda: |
| Average total assets | $3,084,733,000 | 363 |
| Average earning assets | $2,856,339,000 | 359 |
| Average equity | $333,685,500 | 361 |
| Average total loans | $1,623,102,500 | 446 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7455% | 3,460 |
| Cost of funding earning assets | 0.3801% | 3,707 |
| Net interest margin | 3.3654% | 2,882 |
| Noninterest income to average assets | 1.1469% | 824 |
| Noninterest expense to average assets | 2.5930% | 2,572 |
| Loan and lease loss provision to assets | 0.3991% | 789 |
| Net operating income to assets | 1.0241% | 2,202 |
| Return on assets (ROA) | 1.0896% | 2,084 |
| Pretax return on assets | 1.3287% | 1,887 |
| Return on Equity (ROE) | 9.8988% | 2,042 |
| Retained earnings to average equity (ytd only) | 8.3106% | 968 |
| Net charge-offs to loans | 0.0697% | 1,796 |
| Credit loss provision to net charge-offs | 1,024.9057% | 769 |
| Earnings coverage of net charge-offs (x) | 42.3179% | 1,334 |
| Efficiency ratio | 60.2038% | 3,426 |
| Assets per employee ($millions) | 6.5843% | 1,860 |
| Cash dividends to net income (ytd only)* | 16.0440% | 3,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6734% | 1,095 |
| Loan loss allowance to noncurrent loans | 352.1556% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 2,791 |
| Noncurrent loans to loans | 0.4752% | 2,548 |
| Net loans and leases to total assets | 52.7380% | 3,609 |
| Net loans and leases to deposits | 59.9629% | 3,767 |
| Net loans and leases to core deposits | 61.0684% | 3,884 |
| Total domestic deposits to total assets | 87.9511% | 1,495 |
| Equity capital to assets | 11.2224% | 2,079 |
| Core capital (leverage) ratio | 9.3185% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1616% | 1,475 |
| Memoranda: |
| Average total assets | $2,721,837,600 | 375 |
| Average earning assets | $2,502,469,200 | 370 |
| Average equity | $299,593,000 | 368 |
| Average total loans | $1,521,229,400 | 444 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8573% | 3,391 |
| Cost of funding earning assets | 0.4053% | 3,781 |
| Net interest margin | 3.4520% | 2,744 |
| Noninterest income to average assets | 1.1727% | 771 |
| Noninterest expense to average assets | 2.5716% | 2,621 |
| Loan and lease loss provision to assets | 0.4697% | 661 |
| Net operating income to assets | 1.0457% | 2,169 |
| Return on assets (ROA) | 1.1329% | 1,993 |
| Pretax return on assets | 1.4126% | 1,683 |
| Return on Equity (ROE) | 10.3495% | 1,889 |
| Retained earnings to average equity (ytd only) | 8.4943% | 1,144 |
| Net charge-offs to loans | 0.0720% | 1,594 |
| Credit loss provision to net charge-offs | 1,154.6239% | 752 |
| Earnings coverage of net charge-offs (x) | 43.5943% | 1,293 |
| Efficiency ratio | 58.2509% | 3,631 |
| Assets per employee ($millions) | 6.4902% | 1,842 |
| Cash dividends to net income (ytd only)* | 17.9254% | 2,885 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6410% | 999 |
| Loan loss allowance to noncurrent loans | 262.5013% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 2,617 |
| Noncurrent loans to loans | 0.6251% | 2,234 |
| Net loans and leases to total assets | 52.8389% | 3,908 |
| Net loans and leases to deposits | 60.0510% | 4,055 |
| Net loans and leases to core deposits | 61.2444% | 4,145 |
| Total domestic deposits to total assets | 87.9900% | 1,218 |
| Equity capital to assets | 11.2401% | 2,197 |
| Core capital (leverage) ratio | 9.3693% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2199% | 1,445 |
| Memoranda: |
| Average total assets | $2,658,276,250 | 371 |
| Average earning assets | $2,442,818,750 | 366 |
| Average equity | $290,994,500 | 371 |
| Average total loans | $1,502,477,000 | 443 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0153% | 3,287 |
| Cost of funding earning assets | 0.4268% | 3,915 |
| Net interest margin | 3.5885% | 2,521 |
| Noninterest income to average assets | 1.2693% | 631 |
| Noninterest expense to average assets | 2.5763% | 2,753 |
| Loan and lease loss provision to assets | 0.6092% | 517 |
| Net operating income to assets | 1.1006% | 1,963 |
| Return on assets (ROA) | 1.2349% | 1,651 |
| Pretax return on assets | 1.5436% | 1,360 |
| Return on Equity (ROE) | 11.3952% | 1,514 |
| Retained earnings to average equity (ytd only) | 9.0091% | 1,003 |
| Net charge-offs to loans | 0.0807% | 1,439 |
| Credit loss provision to net charge-offs | 1,310.6667% | 665 |
| Earnings coverage of net charge-offs (x) | 42.7017% | 1,202 |
| Efficiency ratio | 55.5650% | 3,998 |
| Assets per employee ($millions) | 6.2714% | 1,976 |
| Cash dividends to net income (ytd only)* | 20.9397% | 2,694 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5494% | 1,126 |
| Loan loss allowance to noncurrent loans | 291.3924% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 2,898 |
| Noncurrent loans to loans | 0.5317% | 2,572 |
| Net loans and leases to total assets | 54.0623% | 3,869 |
| Net loans and leases to deposits | 61.4258% | 4,046 |
| Net loans and leases to core deposits | 62.6759% | 4,144 |
| Total domestic deposits to total assets | 88.0123% | 1,175 |
| Equity capital to assets | 11.1032% | 2,247 |
| Core capital (leverage) ratio | 9.5490% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9503% | 1,498 |
| Memoranda: |
| Average total assets | $2,581,660,333 | 372 |
| Average earning assets | $2,368,271,000 | 368 |
| Average equity | $279,783,333 | 383 |
| Average total loans | $1,486,131,667 | 441 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3708% | 2,717 |
| Cost of funding earning assets | 0.4831% | 4,018 |
| Net interest margin | 3.8877% | 1,707 |
| Noninterest income to average assets | 1.0109% | 836 |
| Noninterest expense to average assets | 2.5173% | 3,227 |
| Loan and lease loss provision to assets | 0.1958% | 1,543 |
| Net operating income to assets | 1.4825% | 816 |
| Return on assets (ROA) | 1.6829% | 584 |
| Pretax return on assets | 2.1036% | 367 |
| Return on Equity (ROE) | 15.7521% | 456 |
| Retained earnings to average equity (ytd only) | 12.7761% | 343 |
| Net charge-offs to loans | 0.1212% | 981 |
| Credit loss provision to net charge-offs | 273.3485% | 1,239 |
| Earnings coverage of net charge-offs (x) | 28.6105% | 1,208 |
| Efficiency ratio | 54.1638% | 4,387 |
| Assets per employee ($millions) | 5.3677% | 2,255 |
| Cash dividends to net income (ytd only)* | 18.8930% | 2,356 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2245% | 2,535 |
| Loan loss allowance to noncurrent loans | 172.4717% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 2,591 |
| Noncurrent loans to loans | 0.7100% | 2,227 |
| Net loans and leases to total assets | 57.0978% | 3,747 |
| Net loans and leases to deposits | 64.6419% | 3,942 |
| Net loans and leases to core deposits | 66.0656% | 4,079 |
| Total domestic deposits to total assets | 88.3294% | 962 |
| Equity capital to assets | 10.8597% | 2,974 |
| Core capital (leverage) ratio | 9.0018% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5779% | 2,048 |
| Memoranda: |
| Average total assets | $2,452,027,000 | 378 |
| Average earning assets | $2,242,334,000 | 371 |
| Average equity | $261,958,500 | 398 |
| Average total loans | $1,449,177,000 | 433 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4662% | 3,059 |
| Cost of funding earning assets | 0.4736% | 4,197 |
| Net interest margin | 3.9925% | 1,877 |
| Noninterest income to average assets | 1.1922% | 666 |
| Noninterest expense to average assets | 3.3753% | 1,158 |
| Loan and lease loss provision to assets | 0.1783% | 1,173 |
| Net operating income to assets | 1.0269% | 2,744 |
| Return on assets (ROA) | 1.0449% | 2,770 |
| Pretax return on assets | 1.3061% | 2,492 |
| Return on Equity (ROE) | 10.2785% | 2,168 |
| Retained earnings to average equity (ytd only) | 7.6433% | 1,098 |
| Net charge-offs to loans | 0.0848% | 1,905 |
| Credit loss provision to net charge-offs | 355.6308% | 785 |
| Earnings coverage of net charge-offs (x) | 29.1566% | 1,610 |
| Efficiency ratio | 68.6210% | 2,369 |
| Assets per employee ($millions) | 5.1018% | 2,454 |
| Cash dividends to net income (ytd only)* | 25.6379% | 3,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1616% | 2,632 |
| Loan loss allowance to noncurrent loans | 160.8046% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,420 |
| Noncurrent loans to loans | 0.7224% | 2,071 |
| Net loans and leases to total assets | 59.7419% | 3,608 |
| Net loans and leases to deposits | 67.4114% | 3,869 |
| Net loans and leases to core deposits | 68.9892% | 4,021 |
| Total domestic deposits to total assets | 88.6229% | 827 |
| Equity capital to assets | 10.5006% | 3,442 |
| Core capital (leverage) ratio | 8.7712% | 4,684 |
| Tier 1 risk-based capital ratio | 13.3714% | 3,596 |
| Total risk-based capital ratio | 14.4881% | 3,550 |
| Memoranda: |
| Average total assets | $2,355,379,400 | 365 |
| Average earning assets | $2,150,409,400 | 361 |
| Average equity | $239,450,600 | 408 |
| Average total loans | $1,392,143,400 | 429 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4720% | 3,146 |
| Cost of funding earning assets | 0.4704% | 4,261 |
| Net interest margin | 4.0016% | 1,936 |
| Noninterest income to average assets | 1.1867% | 649 |
| Noninterest expense to average assets | 3.4011% | 1,087 |
| Loan and lease loss provision to assets | 0.1793% | 1,021 |
| Net operating income to assets | 1.0080% | 2,954 |
| Return on assets (ROA) | 1.0322% | 2,933 |
| Pretax return on assets | 1.2901% | 2,700 |
| Return on Equity (ROE) | 10.2395% | 2,334 |
| Retained earnings to average equity (ytd only) | 8.3709% | 1,258 |
| Net charge-offs to loans | 0.0860% | 1,619 |
| Credit loss provision to net charge-offs | 354.7297% | 850 |
| Earnings coverage of net charge-offs (x) | 28.4730% | 1,686 |
| Efficiency ratio | 69.0858% | 2,244 |
| Assets per employee ($millions) | 5.0394% | 2,510 |
| Cash dividends to net income (ytd only)* | 18.2495% | 3,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1642% | 2,697 |
| Loan loss allowance to noncurrent loans | 156.0386% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 2,556 |
| Noncurrent loans to loans | 0.7461% | 2,099 |
| Net loans and leases to total assets | 57.1557% | 3,955 |
| Net loans and leases to deposits | 64.3766% | 4,152 |
| Net loans and leases to core deposits | 65.8755% | 4,285 |
| Total domestic deposits to total assets | 88.7834% | 697 |
| Equity capital to assets | 10.3865% | 3,649 |
| Core capital (leverage) ratio | 8.8325% | 4,757 |
| Tier 1 risk-based capital ratio | 13.7389% | 3,456 |
| Total risk-based capital ratio | 14.8568% | 3,432 |
| Memoranda: |
| Average total assets | $2,342,211,000 | 368 |
| Average earning assets | $2,138,602,000 | 366 |
| Average equity | $236,098,500 | 413 |
| Average total loans | $1,376,298,250 | 434 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4554% | 3,164 |
| Cost of funding earning assets | 0.4599% | 4,287 |
| Net interest margin | 3.9955% | 1,936 |
| Noninterest income to average assets | 1.1765% | 622 |
| Noninterest expense to average assets | 3.4376% | 1,044 |
| Loan and lease loss provision to assets | 0.1808% | 988 |
| Net operating income to assets | 0.9651% | 3,041 |
| Return on assets (ROA) | 1.0016% | 2,984 |
| Pretax return on assets | 1.2519% | 2,741 |
| Return on Equity (ROE) | 10.0411% | 2,363 |
| Retained earnings to average equity (ytd only) | 8.0199% | 1,384 |
| Net charge-offs to loans | 0.0508% | 1,918 |
| Credit loss provision to net charge-offs | 601.7192% | 521 |
| Earnings coverage of net charge-offs (x) | 46.1691% | 1,155 |
| Efficiency ratio | 70.0573% | 2,219 |
| Assets per employee ($millions) | 4.9315% | 2,563 |
| Cash dividends to net income (ytd only)* | 20.1289% | 3,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1341% | 2,880 |
| Loan loss allowance to noncurrent loans | 137.9222% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 2,450 |
| Noncurrent loans to loans | 0.8223% | 1,949 |
| Net loans and leases to total assets | 58.3223% | 3,882 |
| Net loans and leases to deposits | 65.5711% | 4,125 |
| Net loans and leases to core deposits | 66.9667% | 4,265 |
| Total domestic deposits to total assets | 88.9452% | 683 |
| Equity capital to assets | 10.3209% | 3,674 |
| Core capital (leverage) ratio | 8.6985% | 4,845 |
| Tier 1 risk-based capital ratio | 13.5650% | 3,541 |
| Total risk-based capital ratio | 14.6664% | 3,526 |
| Memoranda: |
| Average total assets | $2,323,359,000 | 370 |
| Average earning assets | $2,121,365,670 | 369 |
| Average equity | $231,748,670 | 419 |
| Average total loans | $1,372,670,330 | 435 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4205% | 3,146 |
| Cost of funding earning assets | 0.4398% | 4,333 |
| Net interest margin | 3.9807% | 1,908 |
| Noninterest income to average assets | 1.1436% | 616 |
| Noninterest expense to average assets | 3.4690% | 1,013 |
| Loan and lease loss provision to assets | 0.1813% | 910 |
| Net operating income to assets | 0.9031% | 3,221 |
| Return on assets (ROA) | 0.9092% | 3,245 |
| Pretax return on assets | 1.1365% | 3,023 |
| Return on Equity (ROE) | 9.2778% | 2,680 |
| Retained earnings to average equity (ytd only) | 6.4759% | 2,253 |
| Net charge-offs to loans | 0.0575% | 1,466 |
| Credit loss provision to net charge-offs | 532.9949% | 591 |
| Earnings coverage of net charge-offs (x) | 38.5127% | 1,172 |
| Efficiency ratio | 71.3785% | 2,134 |
| Assets per employee ($millions) | 4.9658% | 2,566 |
| Cash dividends to net income (ytd only)* | 30.1994% | 2,229 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0771% | 3,252 |
| Loan loss allowance to noncurrent loans | 128.1380% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 2,448 |
| Noncurrent loans to loans | 0.8405% | 1,954 |
| Net loans and leases to total assets | 58.2575% | 3,857 |
| Net loans and leases to deposits | 65.2278% | 4,110 |
| Net loans and leases to core deposits | 66.8202% | 4,244 |
| Total domestic deposits to total assets | 89.3139% | 721 |
| Equity capital to assets | 9.9413% | 3,879 |
| Core capital (leverage) ratio | 8.5374% | 4,986 |
| Tier 1 risk-based capital ratio | 13.3293% | 3,704 |
| Total risk-based capital ratio | 14.3829% | 3,719 |
| Memoranda: |
| Average total assets | $2,316,261,500 | 374 |
| Average earning assets | $2,115,507,000 | 373 |
| Average equity | $226,994,500 | 426 |
| Average total loans | $1,369,528,000 | 436 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2564% | 3,252 |
| Cost of funding earning assets | 0.2939% | 4,599 |
| Net interest margin | 3.9625% | 2,118 |
| Noninterest income to average assets | 1.2585% | 591 |
| Noninterest expense to average assets | 3.4333% | 1,099 |
| Loan and lease loss provision to assets | 0.1583% | 1,303 |
| Net operating income to assets | 1.0340% | 2,866 |
| Return on assets (ROA) | 1.0354% | 2,849 |
| Pretax return on assets | 1.2920% | 2,532 |
| Return on Equity (ROE) | 10.8795% | 2,141 |
| Retained earnings to average equity (ytd only) | -1.4021% | 5,098 |
| Net charge-offs to loans | 0.0788% | 2,001 |
| Credit loss provision to net charge-offs | 329.3085% | 953 |
| Earnings coverage of net charge-offs (x) | 30.1339% | 1,596 |
| Efficiency ratio | 69.5017% | 2,286 |
| Assets per employee ($millions) | 4.8806% | 2,642 |
| Cash dividends to net income (ytd only)* | 112.8879% | 182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0134% | 3,595 |
| Loan loss allowance to noncurrent loans | 119.2205% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 2,349 |
| Noncurrent loans to loans | 0.8500% | 1,898 |
| Net loans and leases to total assets | 58.7615% | 3,898 |
| Net loans and leases to deposits | 65.7957% | 4,134 |
| Net loans and leases to core deposits | 67.5435% | 4,266 |
| Total domestic deposits to total assets | 89.3091% | 732 |
| Equity capital to assets | 9.6578% | 3,995 |
| Core capital (leverage) ratio | 9.2122% | 4,442 |
| Tier 1 risk-based capital ratio | 12.7997% | 3,966 |
| Total risk-based capital ratio | 13.7750% | 3,991 |
| Memoranda: |
| Average total assets | $1,895,183,400 | 433 |
| Average earning assets | $1,732,993,600 | 437 |
| Average equity | $180,367,400 | 486 |
| Average total loans | $1,156,697,200 | 501 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2640% | 3,097 |
| Cost of funding earning assets | 0.2651% | 4,703 |
| Net interest margin | 3.9989% | 1,961 |
| Noninterest income to average assets | 1.2891% | 582 |
| Noninterest expense to average assets | 3.4231% | 1,087 |
| Loan and lease loss provision to assets | 0.1674% | 1,121 |
| Net operating income to assets | 1.0956% | 2,684 |
| Return on assets (ROA) | 1.0975% | 2,695 |
| Pretax return on assets | 1.3634% | 2,366 |
| Return on Equity (ROE) | 11.5874% | 1,960 |
| Retained earnings to average equity (ytd only) | -3.8470% | 5,277 |
| Net charge-offs to loans | 0.0800% | 1,721 |
| Credit loss provision to net charge-offs | 339.8792% | 923 |
| Earnings coverage of net charge-offs (x) | 31.0273% | 1,576 |
| Efficiency ratio | 68.4024% | 2,464 |
| Assets per employee ($millions) | 4.6866% | 2,859 |
| Cash dividends to net income (ytd only)* | 133.2000% | 106 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1142% | 3,109 |
| Loan loss allowance to noncurrent loans | 120.4210% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 2,221 |
| Noncurrent loans to loans | 0.9252% | 1,843 |
| Net loans and leases to total assets | 62.6686% | 3,576 |
| Net loans and leases to deposits | 69.6662% | 3,946 |
| Net loans and leases to core deposits | 70.8837% | 4,135 |
| Total domestic deposits to total assets | 89.9557% | 524 |
| Equity capital to assets | 9.2951% | 4,281 |
| Core capital (leverage) ratio | 8.2674% | 5,218 |
| Tier 1 risk-based capital ratio | 11.9672% | 4,519 |
| Total risk-based capital ratio | 13.0600% | 4,492 |
| Memoranda: |
| Average total assets | $1,791,843,750 | 457 |
| Average earning assets | $1,641,029,500 | 458 |
| Average equity | $169,720,750 | 508 |
| Average total loans | $1,103,266,000 | 511 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1825% | 3,165 |
| Cost of funding earning assets | 0.2462% | 4,765 |
| Net interest margin | 3.9363% | 2,083 |
| Noninterest income to average assets | 1.2683% | 600 |
| Noninterest expense to average assets | 3.3832% | 1,158 |
| Loan and lease loss provision to assets | 0.1684% | 1,092 |
| Net operating income to assets | 1.0632% | 2,737 |
| Return on assets (ROA) | 1.0632% | 2,741 |
| Pretax return on assets | 1.3206% | 2,431 |
| Return on Equity (ROE) | 11.1537% | 2,047 |
| Retained earnings to average equity (ytd only) | -10.2774% | 5,421 |
| Net charge-offs to loans | 0.0367% | 2,119 |
| Credit loss provision to net charge-offs | 753.7688% | 520 |
| Earnings coverage of net charge-offs (x) | 66.6482% | 934 |
| Efficiency ratio | 68.6921% | 2,530 |
| Assets per employee ($millions) | 4.6028% | 2,964 |
| Cash dividends to net income (ytd only)* | 192.1436% | 70 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1329% | 3,075 |
| Loan loss allowance to noncurrent loans | 184.5849% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 2,956 |
| Noncurrent loans to loans | 0.6138% | 2,576 |
| Net loans and leases to total assets | 60.7139% | 3,739 |
| Net loans and leases to deposits | 67.3690% | 4,064 |
| Net loans and leases to core deposits | 68.5849% | 4,223 |
| Total domestic deposits to total assets | 90.1214% | 530 |
| Equity capital to assets | 9.2241% | 4,357 |
| Core capital (leverage) ratio | 8.0636% | 5,326 |
| Tier 1 risk-based capital ratio | 11.9700% | 4,520 |
| Total risk-based capital ratio | 13.0696% | 4,493 |
| Memoranda: |
| Average total assets | $1,781,433,000 | 460 |
| Average earning assets | $1,631,028,330 | 460 |
| Average equity | $169,809,000 | 508 |
| Average total loans | $1,085,898,000 | 518 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1363% | 3,100 |
| Cost of funding earning assets | 0.2344% | 4,804 |
| Net interest margin | 3.9019% | 2,036 |
| Noninterest income to average assets | 1.2683% | 574 |
| Noninterest expense to average assets | 3.4033% | 1,160 |
| Loan and lease loss provision to assets | 0.1697% | 1,047 |
| Net operating income to assets | 1.0255% | 2,749 |
| Return on assets (ROA) | 1.0255% | 2,769 |
| Pretax return on assets | 1.2740% | 2,463 |
| Return on Equity (ROE) | 10.5835% | 2,137 |
| Retained earnings to average equity (ytd only) | -31.9116% | 5,555 |
| Net charge-offs to loans | 0.0186% | 2,132 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 127.6000% | 506 |
| Efficiency ratio | 69.4585% | 2,587 |
| Assets per employee ($millions) | 4.6890% | 2,873 |
| Cash dividends to net income (ytd only)* | 401.5225% | 31 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1042% | 3,352 |
| Loan loss allowance to noncurrent loans | 151.6194% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 2,841 |
| Noncurrent loans to loans | 0.7282% | 2,390 |
| Net loans and leases to total assets | 59.4576% | 3,799 |
| Net loans and leases to deposits | 65.8138% | 4,101 |
| Net loans and leases to core deposits | 68.3070% | 4,199 |
| Total domestic deposits to total assets | 90.3422% | 525 |
| Equity capital to assets | 9.0133% | 4,541 |
| Core capital (leverage) ratio | 7.9028% | 5,415 |
| Tier 1 risk-based capital ratio | 11.8639% | 4,637 |
| Total risk-based capital ratio | 12.9422% | 4,636 |
| Memoranda: |
| Average total assets | $1,767,690,000 | 466 |
| Average earning assets | $1,621,266,000 | 462 |
| Average equity | $171,285,500 | 506 |
| Average total loans | $1,073,422,000 | 530 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9894% | 3,437 |
| Cost of funding earning assets | 0.2123% | 4,850 |
| Net interest margin | 3.7771% | 2,513 |
| Noninterest income to average assets | 1.2530% | 678 |
| Noninterest expense to average assets | 3.3735% | 1,245 |
| Loan and lease loss provision to assets | 0.1309% | 1,753 |
| Net operating income to assets | 0.8166% | 3,087 |
| Return on assets (ROA) | 0.8767% | 2,854 |
| Pretax return on assets | 1.2899% | 2,389 |
| Return on Equity (ROE) | 8.7740% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.3227% | 1,369 |
| Net charge-offs to loans | 0.0703% | 2,448 |
| Credit loss provision to net charge-offs | 324.3626% | 887 |
| Earnings coverage of net charge-offs (x) | 33.0283% | 1,448 |
| Efficiency ratio | 70.8750% | 2,419 |
| Assets per employee ($millions) | 4.4706% | 3,240 |
| Cash dividends to net income (ytd only)* | 27.9382% | 3,380 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0630% | 3,528 |
| Loan loss allowance to noncurrent loans | 163.9878% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 2,983 |
| Noncurrent loans to loans | 0.6482% | 2,598 |
| Net loans and leases to total assets | 60.7009% | 3,766 |
| Net loans and leases to deposits | 68.3064% | 4,004 |
| Net loans and leases to core deposits | 70.1920% | 4,165 |
| Total domestic deposits to total assets | 88.8657% | 1,059 |
| Equity capital to assets | 10.3964% | 3,275 |
| Core capital (leverage) ratio | 8.9580% | 4,699 |
| Tier 1 risk-based capital ratio | 13.3627% | 3,708 |
| Total risk-based capital ratio | 14.4031% | 3,734 |
| Memoranda: |
| Average total assets | $1,749,950,200 | 453 |
| Average earning assets | $1,599,761,000 | 451 |
| Average equity | $174,845,800 | 480 |
| Average total loans | $1,004,688,600 | 539 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9663% | 3,471 |
| Cost of funding earning assets | 0.2132% | 4,865 |
| Net interest margin | 3.7531% | 2,567 |
| Noninterest income to average assets | 1.2349% | 688 |
| Noninterest expense to average assets | 3.2664% | 1,418 |
| Loan and lease loss provision to assets | 0.1284% | 1,686 |
| Net operating income to assets | 0.9332% | 2,863 |
| Return on assets (ROA) | 1.0121% | 2,546 |
| Pretax return on assets | 1.3802% | 2,171 |
| Return on Equity (ROE) | 10.2323% | 2,025 |
| Retained earnings to average equity (ytd only) | 7.4696% | 1,447 |
| Net charge-offs to loans | 0.0682% | 2,142 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 36.3572% | 1,390 |
| Efficiency ratio | 69.1759% | 2,677 |
| Assets per employee ($millions) | 4.3773% | 3,343 |
| Cash dividends to net income (ytd only)* | 27.0005% | 2,859 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0480% | 3,803 |
| Loan loss allowance to noncurrent loans | 150.7132% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 2,858 |
| Noncurrent loans to loans | 0.6954% | 2,619 |
| Net loans and leases to total assets | 60.1909% | 3,839 |
| Net loans and leases to deposits | 67.8746% | 4,122 |
| Net loans and leases to core deposits | 69.2762% | 4,284 |
| Total domestic deposits to total assets | 88.6796% | 1,021 |
| Equity capital to assets | 10.5755% | 3,284 |
| Core capital (leverage) ratio | 8.5648% | 5,194 |
| Tier 1 risk-based capital ratio | 13.2543% | 3,843 |
| Total risk-based capital ratio | 14.2473% | 3,917 |
| Memoranda: |
| Average total assets | $1,754,905,250 | 455 |
| Average earning assets | $1,604,741,500 | 452 |
| Average equity | $173,589,250 | 485 |
| Average total loans | $990,488,500 | 549 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8883% | 3,590 |
| Cost of funding earning assets | 0.2119% | 4,868 |
| Net interest margin | 3.6764% | 2,734 |
| Noninterest income to average assets | 1.1979% | 712 |
| Noninterest expense to average assets | 3.2214% | 1,535 |
| Loan and lease loss provision to assets | 0.1231% | 1,679 |
| Net operating income to assets | 0.9035% | 2,896 |
| Return on assets (ROA) | 0.9100% | 2,914 |
| Pretax return on assets | 1.2250% | 2,677 |
| Return on Equity (ROE) | 9.4084% | 2,312 |
| Retained earnings to average equity (ytd only) | 6.6117% | 1,789 |
| Net charge-offs to loans | 0.0595% | 2,082 |
| Credit loss provision to net charge-offs | 375.8621% | 823 |
| Earnings coverage of net charge-offs (x) | 40.8931% | 1,229 |
| Efficiency ratio | 69.8059% | 2,701 |
| Assets per employee ($millions) | 4.5015% | 3,105 |
| Cash dividends to net income (ytd only)* | 29.7257% | 2,785 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0210% | 4,025 |
| Loan loss allowance to noncurrent loans | 143.0713% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 2,951 |
| Noncurrent loans to loans | 0.7136% | 2,611 |
| Net loans and leases to total assets | 57.6879% | 4,066 |
| Net loans and leases to deposits | 65.4450% | 4,262 |
| Net loans and leases to core deposits | 66.8250% | 4,424 |
| Total domestic deposits to total assets | 88.1472% | 1,385 |
| Equity capital to assets | 10.0673% | 3,830 |
| Core capital (leverage) ratio | 8.2950% | 5,361 |
| Tier 1 risk-based capital ratio | 12.6122% | 4,235 |
| Total risk-based capital ratio | 13.5511% | 4,316 |
| Memoranda: |
| Average total assets | $1,770,823,670 | 456 |
| Average earning assets | $1,619,829,330 | 455 |
| Average equity | $171,272,670 | 491 |
| Average total loans | $974,507,330 | 559 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8462% | 3,594 |
| Cost of funding earning assets | 0.2059% | 4,921 |
| Net interest margin | 3.6403% | 2,738 |
| Noninterest income to average assets | 1.1903% | 723 |
| Noninterest expense to average assets | 3.1827% | 1,658 |
| Loan and lease loss provision to assets | 0.1353% | 1,416 |
| Net operating income to assets | 0.8982% | 2,773 |
| Return on assets (ROA) | 0.8986% | 2,820 |
| Pretax return on assets | 1.2054% | 2,576 |
| Return on Equity (ROE) | 9.4832% | 2,191 |
| Retained earnings to average equity (ytd only) | 6.5133% | 2,071 |
| Net charge-offs to loans | 0.0777% | 1,560 |
| Credit loss provision to net charge-offs | 326.0870% | 746 |
| Earnings coverage of net charge-offs (x) | 32.3043% | 1,174 |
| Efficiency ratio | 69.5299% | 2,965 |
| Assets per employee ($millions) | 4.8266% | 2,658 |
| Cash dividends to net income (ytd only)* | 31.3174% | 2,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0421% | 4,022 |
| Loan loss allowance to noncurrent loans | 147.8731% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 3,223 |
| Noncurrent loans to loans | 0.7048% | 2,728 |
| Net loans and leases to total assets | 53.0713% | 4,416 |
| Net loans and leases to deposits | 60.1131% | 4,558 |
| Net loans and leases to core deposits | 61.3461% | 4,701 |
| Total domestic deposits to total assets | 88.2858% | 1,543 |
| Equity capital to assets | 9.4190% | 4,375 |
| Core capital (leverage) ratio | 8.1312% | 5,491 |
| Tier 1 risk-based capital ratio | 12.9589% | 4,100 |
| Total risk-based capital ratio | 13.8995% | 4,197 |
| Memoranda: |
| Average total assets | $1,773,947,000 | 457 |
| Average earning assets | $1,624,054,000 | 453 |
| Average equity | $168,086,000 | 497 |
| Average total loans | $947,537,000 | 571 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4547% | 4,880 |
| Cost of funding earning assets | 0.1892% | 5,116 |
| Net interest margin | 3.2655% | 4,244 |
| Noninterest income to average assets | 1.2127% | 774 |
| Noninterest expense to average assets | 3.1501% | 1,898 |
| Loan and lease loss provision to assets | 0.1063% | 2,277 |
| Net operating income to assets | 0.7282% | 3,650 |
| Return on assets (ROA) | 0.7298% | 3,757 |
| Pretax return on assets | 0.9471% | 3,664 |
| Return on Equity (ROE) | 7.5716% | 3,182 |
| Retained earnings to average equity (ytd only) | 2.2351% | 4,261 |
| Net charge-offs to loans | 0.1074% | 2,198 |
| Credit loss provision to net charge-offs | 196.4097% | 1,437 |
| Earnings coverage of net charge-offs (x) | 19.4234% | 1,916 |
| Efficiency ratio | 74.0909% | 2,275 |
| Assets per employee ($millions) | 4.4562% | 3,179 |
| Cash dividends to net income (ytd only)* | 70.4809% | 1,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0494% | 4,015 |
| Loan loss allowance to noncurrent loans | 128.2221% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 2,967 |
| Noncurrent loans to loans | 0.8184% | 2,477 |
| Net loans and leases to total assets | 52.6308% | 4,559 |
| Net loans and leases to deposits | 58.6710% | 4,751 |
| Net loans and leases to core deposits | 59.9300% | 4,862 |
| Total domestic deposits to total assets | 89.7049% | 771 |
| Equity capital to assets | 9.5338% | 4,237 |
| Core capital (leverage) ratio | 8.3511% | 5,401 |
| Tier 1 risk-based capital ratio | 13.1159% | 3,989 |
| Total risk-based capital ratio | 14.0434% | 4,097 |
| Memoranda: |
| Average total assets | $1,749,563,800 | 451 |
| Average earning assets | $1,601,301,800 | 442 |
| Average equity | $168,630,800 | 481 |
| Average total loans | $881,927,800 | 578 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5601% | 4,654 |
| Cost of funding earning assets | 0.1968% | 5,103 |
| Net interest margin | 3.3633% | 3,983 |
| Noninterest income to average assets | 1.2625% | 729 |
| Noninterest expense to average assets | 3.2782% | 1,611 |
| Loan and lease loss provision to assets | 0.1114% | 2,066 |
| Net operating income to assets | 0.7415% | 3,640 |
| Return on assets (ROA) | 0.7381% | 3,789 |
| Pretax return on assets | 0.9513% | 3,808 |
| Return on Equity (ROE) | 7.7562% | 3,143 |
| Retained earnings to average equity (ytd only) | 0.7679% | 5,158 |
| Net charge-offs to loans | 0.0993% | 1,956 |
| Credit loss provision to net charge-offs | 229.0640% | 1,289 |
| Earnings coverage of net charge-offs (x) | 21.9376% | 1,794 |
| Efficiency ratio | 74.5446% | 2,179 |
| Assets per employee ($millions) | 4.3970% | 3,256 |
| Cash dividends to net income (ytd only)* | 90.0995% | 534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1365% | 3,635 |
| Loan loss allowance to noncurrent loans | 133.5333% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 3,323 |
| Noncurrent loans to loans | 0.8511% | 2,553 |
| Net loans and leases to total assets | 50.3704% | 4,798 |
| Net loans and leases to deposits | 56.3531% | 4,967 |
| Net loans and leases to core deposits | 57.4573% | 5,079 |
| Total domestic deposits to total assets | 89.3835% | 731 |
| Equity capital to assets | 9.8310% | 4,324 |
| Core capital (leverage) ratio | 7.8233% | 5,751 |
| Tier 1 risk-based capital ratio | 12.8740% | 4,237 |
| Total risk-based capital ratio | 13.8636% | 4,305 |
| Memoranda: |
| Average total assets | $1,669,387,750 | 466 |
| Average earning assets | $1,530,086,750 | 456 |
| Average equity | $158,871,750 | 501 |
| Average total loans | $817,921,250 | 620 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5228% | 4,805 |
| Cost of funding earning assets | 0.1979% | 5,168 |
| Net interest margin | 3.3250% | 4,140 |
| Noninterest income to average assets | 1.2483% | 729 |
| Noninterest expense to average assets | 3.2406% | 1,714 |
| Loan and lease loss provision to assets | 0.1111% | 2,020 |
| Net operating income to assets | 0.7342% | 3,632 |
| Return on assets (ROA) | 0.7248% | 3,829 |
| Pretax return on assets | 0.9310% | 3,832 |
| Return on Equity (ROE) | 7.6993% | 3,145 |
| Retained earnings to average equity (ytd only) | -2.0158% | 5,544 |
| Net charge-offs to loans | 0.0859% | 1,985 |
| Credit loss provision to net charge-offs | 267.2414% | 1,055 |
| Earnings coverage of net charge-offs (x) | 25.3649% | 1,512 |
| Efficiency ratio | 74.5461% | 2,281 |
| Assets per employee ($millions) | 4.2920% | 3,389 |
| Cash dividends to net income (ytd only)* | 126.1822% | 303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1388% | 3,728 |
| Loan loss allowance to noncurrent loans | 129.6389% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 3,454 |
| Noncurrent loans to loans | 0.8784% | 2,539 |
| Net loans and leases to total assets | 48.8415% | 4,922 |
| Net loans and leases to deposits | 54.4825% | 5,107 |
| Net loans and leases to core deposits | 55.5708% | 5,197 |
| Total domestic deposits to total assets | 89.6463% | 618 |
| Equity capital to assets | 9.6759% | 4,577 |
| Core capital (leverage) ratio | 7.5774% | 5,862 |
| Tier 1 risk-based capital ratio | 12.8993% | 4,259 |
| Total risk-based capital ratio | 13.8904% | 4,326 |
| Memoranda: |
| Average total assets | $1,674,753,670 | 465 |
| Average earning assets | $1,534,450,330 | 453 |
| Average equity | $157,650,670 | 506 |
| Average total loans | $809,781,330 | 616 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4749% | 4,950 |
| Cost of funding earning assets | 0.1986% | 5,218 |
| Net interest margin | 3.2764% | 4,312 |
| Noninterest income to average assets | 1.2523% | 696 |
| Noninterest expense to average assets | 3.2338% | 1,755 |
| Loan and lease loss provision to assets | 0.1107% | 1,881 |
| Net operating income to assets | 0.7132% | 3,645 |
| Return on assets (ROA) | 0.6893% | 3,879 |
| Pretax return on assets | 0.8793% | 3,935 |
| Return on Equity (ROE) | 7.4248% | 3,228 |
| Retained earnings to average equity (ytd only) | -10.3521% | 5,817 |
| Net charge-offs to loans | 0.0802% | 1,688 |
| Credit loss provision to net charge-offs | 288.8199% | 873 |
| Earnings coverage of net charge-offs (x) | 26.6211% | 1,268 |
| Efficiency ratio | 75.0840% | 2,312 |
| Assets per employee ($millions) | 4.4152% | 3,227 |
| Cash dividends to net income (ytd only)* | 239.4264% | 180 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1260% | 3,906 |
| Loan loss allowance to noncurrent loans | 124.5513% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 3,518 |
| Noncurrent loans to loans | 0.9040% | 2,593 |
| Net loans and leases to total assets | 47.0853% | 5,040 |
| Net loans and leases to deposits | 52.4851% | 5,196 |
| Net loans and leases to core deposits | 53.5472% | 5,284 |
| Total domestic deposits to total assets | 89.7117% | 727 |
| Equity capital to assets | 9.1468% | 5,042 |
| Core capital (leverage) ratio | 7.4154% | 5,942 |
| Tier 1 risk-based capital ratio | 12.8171% | 4,386 |
| Total risk-based capital ratio | 13.7932% | 4,462 |
| Memoranda: |
| Average total assets | $1,679,488,000 | 462 |
| Average earning assets | $1,539,019,500 | 453 |
| Average equity | $155,910,000 | 510 |
| Average total loans | $803,312,000 | 620 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4680% | 5,007 |
| Cost of funding earning assets | 0.2144% | 5,142 |
| Net interest margin | 3.2536% | 4,461 |
| Noninterest income to average assets | 1.3025% | 714 |
| Noninterest expense to average assets | 3.3939% | 1,495 |
| Loan and lease loss provision to assets | 0.1407% | 1,688 |
| Net operating income to assets | 0.5871% | 4,342 |
| Return on assets (ROA) | 0.7005% | 3,911 |
| Pretax return on assets | 0.8877% | 3,893 |
| Return on Equity (ROE) | 7.3777% | 3,316 |
| Retained earnings to average equity (ytd only) | 5.3778% | 2,148 |
| Net charge-offs to loans | 0.1369% | 1,987 |
| Credit loss provision to net charge-offs | 212.8476% | 1,329 |
| Earnings coverage of net charge-offs (x) | 13.3893% | 2,374 |
| Efficiency ratio | 78.3296% | 1,916 |
| Assets per employee ($millions) | 4.8079% | 2,592 |
| Cash dividends to net income (ytd only)* | 27.1075% | 3,486 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0994% | 4,054 |
| Loan loss allowance to noncurrent loans | 125.1709% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 3,618 |
| Noncurrent loans to loans | 0.8783% | 2,599 |
| Net loans and leases to total assets | 47.5158% | 5,058 |
| Net loans and leases to deposits | 52.8336% | 5,231 |
| Net loans and leases to core deposits | 53.8985% | 5,323 |
| Total domestic deposits to total assets | 89.9349% | 659 |
| Equity capital to assets | 9.4221% | 4,647 |
| Core capital (leverage) ratio | 7.8193% | 5,901 |
| Tier 1 risk-based capital ratio | 13.6013% | 3,950 |
| Total risk-based capital ratio | 14.5659% | 4,042 |
| Memoranda: |
| Average total assets | $1,578,279,200 | 451 |
| Average earning assets | $1,443,731,600 | 445 |
| Average equity | $149,857,600 | 505 |
| Average total loans | $761,910,800 | 615 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4744% | 5,038 |
| Cost of funding earning assets | 0.2181% | 5,204 |
| Net interest margin | 3.2563% | 4,498 |
| Noninterest income to average assets | 1.3187% | 699 |
| Noninterest expense to average assets | 3.4461% | 1,388 |
| Loan and lease loss provision to assets | 0.1503% | 1,450 |
| Net operating income to assets | 0.5528% | 4,580 |
| Return on assets (ROA) | 0.7061% | 3,984 |
| Pretax return on assets | 0.8947% | 3,996 |
| Return on Equity (ROE) | 7.4209% | 3,387 |
| Retained earnings to average equity (ytd only) | 5.3994% | 2,646 |
| Net charge-offs to loans | 0.1532% | 1,611 |
| Credit loss provision to net charge-offs | 202.8902% | 1,321 |
| Earnings coverage of net charge-offs (x) | 11.4879% | 2,484 |
| Efficiency ratio | 79.2005% | 1,774 |
| Assets per employee ($millions) | 4.6773% | 2,731 |
| Cash dividends to net income (ytd only)* | 27.2407% | 2,934 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0882% | 4,295 |
| Loan loss allowance to noncurrent loans | 117.8566% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 3,739 |
| Noncurrent loans to loans | 0.9233% | 2,672 |
| Net loans and leases to total assets | 47.0654% | 5,146 |
| Net loans and leases to deposits | 52.2636% | 5,354 |
| Net loans and leases to core deposits | 53.3825% | 5,437 |
| Total domestic deposits to total assets | 90.0538% | 549 |
| Equity capital to assets | 9.3368% | 4,960 |
| Core capital (leverage) ratio | 7.9086% | 5,942 |
| Tier 1 risk-based capital ratio | 13.7732% | 3,980 |
| Total risk-based capital ratio | 14.7351% | 4,076 |
| Memoranda: |
| Average total assets | $1,556,961,750 | 459 |
| Average earning assets | $1,424,079,000 | 457 |
| Average equity | $148,136,500 | 515 |
| Average total loans | $752,579,500 | 623 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4735% | 5,056 |
| Cost of funding earning assets | 0.2243% | 5,199 |
| Net interest margin | 3.2491% | 4,504 |
| Noninterest income to average assets | 1.3316% | 689 |
| Noninterest expense to average assets | 3.4813% | 1,330 |
| Loan and lease loss provision to assets | 0.1688% | 1,238 |
| Net operating income to assets | 0.5150% | 4,700 |
| Return on assets (ROA) | 0.6998% | 4,011 |
| Pretax return on assets | 0.8866% | 4,001 |
| Return on Equity (ROE) | 7.3064% | 3,434 |
| Retained earnings to average equity (ytd only) | 5.2630% | 2,699 |
| Net charge-offs to loans | 0.1647% | 1,481 |
| Credit loss provision to net charge-offs | 210.7843% | 1,179 |
| Earnings coverage of net charge-offs (x) | 10.2598% | 2,376 |
| Efficiency ratio | 79.9045% | 1,776 |
| Assets per employee ($millions) | 4.3835% | 3,165 |
| Cash dividends to net income (ytd only)* | 27.9678% | 2,888 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0880% | 4,390 |
| Loan loss allowance to noncurrent loans | 115.9810% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 3,812 |
| Noncurrent loans to loans | 0.9381% | 2,781 |
| Net loans and leases to total assets | 46.9634% | 5,178 |
| Net loans and leases to deposits | 52.1863% | 5,367 |
| Net loans and leases to core deposits | 54.7063% | 5,384 |
| Total domestic deposits to total assets | 89.9918% | 666 |
| Equity capital to assets | 9.2839% | 4,916 |
| Core capital (leverage) ratio | 7.6951% | 6,038 |
| Tier 1 risk-based capital ratio | 14.0763% | 3,881 |
| Total risk-based capital ratio | 15.0526% | 3,966 |
| Memoranda: |
| Average total assets | $1,528,699,670 | 469 |
| Average earning assets | $1,397,910,000 | 471 |
| Average equity | $146,419,670 | 520 |
| Average total loans | $743,040,670 | 630 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4473% | 5,095 |
| Cost of funding earning assets | 0.2234% | 5,285 |
| Net interest margin | 3.2240% | 4,507 |
| Noninterest income to average assets | 1.3391% | 643 |
| Noninterest expense to average assets | 3.5209% | 1,266 |
| Loan and lease loss provision to assets | 0.2213% | 800 |
| Net operating income to assets | 0.4272% | 4,962 |
| Return on assets (ROA) | 0.6587% | 4,135 |
| Pretax return on assets | 0.8446% | 4,086 |
| Return on Equity (ROE) | 6.7651% | 3,625 |
| Retained earnings to average equity (ytd only) | 4.3842% | 3,388 |
| Net charge-offs to loans | 0.1559% | 1,326 |
| Credit loss provision to net charge-offs | 288.4615% | 834 |
| Earnings coverage of net charge-offs (x) | 10.0245% | 1,961 |
| Efficiency ratio | 81.0944% | 1,747 |
| Assets per employee ($millions) | 4.3437% | 3,299 |
| Cash dividends to net income (ytd only)* | 35.1935% | 2,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1072% | 4,474 |
| Loan loss allowance to noncurrent loans | 608.5885% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 5,269 |
| Noncurrent loans to loans | 0.1819% | 5,127 |
| Net loans and leases to total assets | 44.5640% | 5,306 |
| Net loans and leases to deposits | 49.4423% | 5,494 |
| Net loans and leases to core deposits | 51.7075% | 5,510 |
| Total domestic deposits to total assets | 90.1335% | 680 |
| Equity capital to assets | 9.2527% | 5,024 |
| Core capital (leverage) ratio | 7.7334% | 6,050 |
| Tier 1 risk-based capital ratio | 14.5505% | 3,697 |
| Total risk-based capital ratio | 15.5708% | 3,742 |
| Memoranda: |
| Average total assets | $1,490,875,500 | 479 |
| Average earning assets | $1,364,659,500 | 478 |
| Average equity | $145,156,500 | 526 |
| Average total loans | $733,688,500 | 636 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7832% | 4,540 |
| Cost of funding earning assets | 0.2505% | 5,318 |
| Net interest margin | 3.5327% | 3,673 |
| Noninterest income to average assets | 1.3384% | 681 |
| Noninterest expense to average assets | 3.3302% | 1,849 |
| Loan and lease loss provision to assets | 0.0773% | 2,927 |
| Net operating income to assets | 0.8511% | 3,113 |
| Return on assets (ROA) | 0.8807% | 3,057 |
| Pretax return on assets | 1.1802% | 2,731 |
| Return on Equity (ROE) | 8.4956% | 2,843 |
| Retained earnings to average equity (ytd only) | 4.9572% | 2,626 |
| Net charge-offs to loans | 0.0135% | 4,615 |
| Credit loss provision to net charge-offs | 1,063.8298% | 260 |
| Earnings coverage of net charge-offs (x) | 167.5851% | 319 |
| Efficiency ratio | 72.3732% | 3,143 |
| Assets per employee ($millions) | 3.8310% | 4,286 |
| Cash dividends to net income (ytd only)* | 41.6491% | 2,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0405% | 4,851 |
| Loan loss allowance to noncurrent loans | 566.6418% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1952% | 5,247 |
| Noncurrent loans to loans | 0.1836% | 5,174 |
| Net loans and leases to total assets | 53.6725% | 4,616 |
| Net loans and leases to deposits | 60.3712% | 4,872 |
| Net loans and leases to core deposits | 63.2039% | 4,900 |
| Total domestic deposits to total assets | 88.9041% | 1,290 |
| Equity capital to assets | 10.3221% | 3,697 |
| Core capital (leverage) ratio | 8.7255% | 5,325 |
| Tier 1 risk-based capital ratio | 15.1335% | 3,418 |
| Total risk-based capital ratio | 16.1754% | 3,464 |
| Memoranda: |
| Average total assets | $1,293,124,800 | 524 |
| Average earning assets | $1,174,995,400 | 526 |
| Average equity | $134,046,600 | 536 |
| Average total loans | $693,787,200 | 624 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8074% | 4,516 |
| Cost of funding earning assets | 0.2569% | 5,333 |
| Net interest margin | 3.5504% | 3,626 |
| Noninterest income to average assets | 1.2833% | 740 |
| Noninterest expense to average assets | 3.3142% | 1,873 |
| Loan and lease loss provision to assets | 0.0886% | 2,583 |
| Net operating income to assets | 0.8282% | 3,294 |
| Return on assets (ROA) | 0.8701% | 3,164 |
| Pretax return on assets | 1.1612% | 2,942 |
| Return on Equity (ROE) | 8.3839% | 2,994 |
| Retained earnings to average equity (ytd only) | 4.3727% | 3,538 |
| Net charge-offs to loans | -0.0129% | 5,489 |
| Credit loss provision to net charge-offs | -1,287.8788% | 5,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6552% | 3,068 |
| Assets per employee ($millions) | 3.7157% | 4,461 |
| Cash dividends to net income (ytd only)* | 47.8438% | 1,946 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0564% | 4,958 |
| Loan loss allowance to noncurrent loans | 701.6575% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 5,046 |
| Noncurrent loans to loans | 0.1506% | 5,460 |
| Net loans and leases to total assets | 54.5672% | 4,508 |
| Net loans and leases to deposits | 61.4507% | 4,801 |
| Net loans and leases to core deposits | 64.7804% | 4,818 |
| Total domestic deposits to total assets | 88.7984% | 1,354 |
| Equity capital to assets | 10.3746% | 3,708 |
| Core capital (leverage) ratio | 8.6697% | 5,482 |
| Tier 1 risk-based capital ratio | 15.0179% | 3,572 |
| Total risk-based capital ratio | 16.0712% | 3,627 |
| Memoranda: |
| Average total assets | $1,279,274,750 | 529 |
| Average earning assets | $1,161,966,000 | 530 |
| Average equity | $132,759,250 | 544 |
| Average total loans | $684,384,750 | 629 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8166% | 4,462 |
| Cost of funding earning assets | 0.2614% | 5,372 |
| Net interest margin | 3.5552% | 3,550 |
| Noninterest income to average assets | 1.2722% | 732 |
| Noninterest expense to average assets | 3.2998% | 1,923 |
| Loan and lease loss provision to assets | 0.0473% | 3,362 |
| Net operating income to assets | 0.8618% | 2,999 |
| Return on assets (ROA) | 0.8618% | 3,101 |
| Pretax return on assets | 1.1470% | 2,896 |
| Return on Equity (ROE) | 8.3031% | 2,933 |
| Retained earnings to average equity (ytd only) | 3.7866% | 3,771 |
| Net charge-offs to loans | 0.0821% | 2,870 |
| Credit loss provision to net charge-offs | 108.6957% | 1,844 |
| Earnings coverage of net charge-offs (x) | 27.4710% | 1,342 |
| Efficiency ratio | 72.5562% | 3,233 |
| Assets per employee ($millions) | 3.5626% | 4,735 |
| Cash dividends to net income (ytd only)* | 54.3959% | 1,736 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9692% | 5,489 |
| Loan loss allowance to noncurrent loans | 410.2439% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 5,311 |
| Noncurrent loans to loans | 0.2362% | 5,288 |
| Net loans and leases to total assets | 53.9004% | 4,555 |
| Net loans and leases to deposits | 60.7762% | 4,804 |
| Net loans and leases to core deposits | 64.4820% | 4,770 |
| Total domestic deposits to total assets | 88.6868% | 1,545 |
| Equity capital to assets | 10.5287% | 3,408 |
| Core capital (leverage) ratio | 8.6976% | 5,396 |
| Tier 1 risk-based capital ratio | 15.1888% | 3,533 |
| Total risk-based capital ratio | 16.1451% | 3,637 |
| Memoranda: |
| Average total assets | $1,269,727,330 | 531 |
| Average earning assets | $1,150,668,000 | 535 |
| Average equity | $131,782,000 | 548 |
| Average total loans | $672,075,000 | 638 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7492% | 4,671 |
| Cost of funding earning assets | 0.2629% | 5,462 |
| Net interest margin | 3.4863% | 3,756 |
| Noninterest income to average assets | 1.2380% | 719 |
| Noninterest expense to average assets | 3.2833% | 1,982 |
| Loan and lease loss provision to assets | 0.0474% | 3,146 |
| Net operating income to assets | 0.8064% | 3,119 |
| Return on assets (ROA) | 0.8064% | 3,199 |
| Pretax return on assets | 1.0637% | 3,069 |
| Return on Equity (ROE) | 7.8266% | 3,029 |
| Retained earnings to average equity (ytd only) | 5.1605% | 3,015 |
| Net charge-offs to loans | 0.0611% | 2,549 |
| Credit loss provision to net charge-offs | 148.5149% | 1,272 |
| Earnings coverage of net charge-offs (x) | 34.8416% | 958 |
| Efficiency ratio | 73.8253% | 3,177 |
| Assets per employee ($millions) | 3.5789% | 4,774 |
| Cash dividends to net income (ytd only)* | 34.0642% | 2,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0092% | 5,480 |
| Loan loss allowance to noncurrent loans | 448.4064% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 5,510 |
| Noncurrent loans to loans | 0.2251% | 5,422 |
| Net loans and leases to total assets | 51.9911% | 4,680 |
| Net loans and leases to deposits | 58.5676% | 4,882 |
| Net loans and leases to core deposits | 62.3217% | 4,843 |
| Total domestic deposits to total assets | 88.7711% | 1,793 |
| Equity capital to assets | 10.3681% | 3,373 |
| Core capital (leverage) ratio | 8.7845% | 5,283 |
| Tier 1 risk-based capital ratio | 15.5186% | 3,427 |
| Total risk-based capital ratio | 16.5077% | 3,530 |
| Memoranda: |
| Average total assets | $1,266,878,000 | 536 |
| Average earning assets | $1,147,010,500 | 539 |
| Average equity | $130,530,000 | 555 |
| Average total loans | $661,018,500 | 649 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6850% | 5,178 |
| Cost of funding earning assets | 0.3188% | 5,434 |
| Net interest margin | 3.3662% | 4,416 |
| Noninterest income to average assets | 1.2935% | 832 |
| Noninterest expense to average assets | 3.2849% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8339% | 3,113 |
| Return on assets (ROA) | 0.8339% | 3,196 |
| Pretax return on assets | 1.0764% | 3,045 |
| Return on Equity (ROE) | 8.0659% | 3,005 |
| Retained earnings to average equity (ytd only) | 5.7590% | 2,128 |
| Net charge-offs to loans | 0.1012% | 3,819 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 20.4736% | 1,547 |
| Efficiency ratio | 74.7428% | 3,005 |
| Assets per employee ($millions) | 3.4894% | 4,914 |
| Cash dividends to net income (ytd only)* | 28.6006% | 3,339 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0268% | 5,436 |
| Loan loss allowance to noncurrent loans | 399.7615% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 5,520 |
| Noncurrent loans to loans | 0.2569% | 5,409 |
| Net loans and leases to total assets | 51.2967% | 4,941 |
| Net loans and leases to deposits | 57.7794% | 5,144 |
| Net loans and leases to core deposits | 61.0364% | 5,140 |
| Total domestic deposits to total assets | 88.7802% | 1,763 |
| Equity capital to assets | 10.2377% | 3,457 |
| Core capital (leverage) ratio | 8.7738% | 5,324 |
| Tier 1 risk-based capital ratio | 15.7717% | 3,214 |
| Total risk-based capital ratio | 16.7985% | 3,299 |
| Memoranda: |
| Average total assets | $1,116,543,200 | 591 |
| Average earning assets | $1,017,551,000 | 588 |
| Average equity | $115,437,200 | 614 |
| Average total loans | $579,961,600 | 722 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6528% | 5,295 |
| Cost of funding earning assets | 0.3315% | 5,455 |
| Net interest margin | 3.3212% | 4,566 |
| Noninterest income to average assets | 1.3147% | 857 |
| Noninterest expense to average assets | 3.2441% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8596% | 3,049 |
| Return on assets (ROA) | 0.8596% | 3,159 |
| Pretax return on assets | 1.1071% | 3,087 |
| Return on Equity (ROE) | 8.2909% | 2,980 |
| Retained earnings to average equity (ytd only) | 6.0040% | 2,401 |
| Net charge-offs to loans | 0.0997% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 21.3665% | 1,551 |
| Efficiency ratio | 74.0970% | 3,045 |
| Assets per employee ($millions) | 3.2787% | 5,327 |
| Cash dividends to net income (ytd only)* | 27.5832% | 2,783 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1048% | 5,309 |
| Loan loss allowance to noncurrent loans | 444.7249% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 5,486 |
| Noncurrent loans to loans | 0.2484% | 5,608 |
| Net loans and leases to total assets | 50.7014% | 5,047 |
| Net loans and leases to deposits | 57.3815% | 5,244 |
| Net loans and leases to core deposits | 61.0355% | 5,218 |
| Total domestic deposits to total assets | 88.3584% | 1,914 |
| Equity capital to assets | 10.5246% | 3,247 |
| Core capital (leverage) ratio | 10.4556% | 3,054 |
| Tier 1 risk-based capital ratio | 16.3194% | 3,023 |
| Total risk-based capital ratio | 17.4256% | 3,053 |
| Memoranda: |
| Average total assets | $1,080,759,500 | 611 |
| Average earning assets | $988,083,250 | 611 |
| Average equity | $112,056,000 | 637 |
| Average total loans | $561,732,750 | 741 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7403% | 5,020 |
| Cost of funding earning assets | 0.3540% | 5,360 |
| Net interest margin | 3.3862% | 4,242 |
| Noninterest income to average assets | 1.3582% | 848 |
| Noninterest expense to average assets | 3.3404% | 1,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8715% | 2,946 |
| Return on assets (ROA) | 0.8715% | 3,100 |
| Pretax return on assets | 1.1163% | 3,032 |
| Return on Equity (ROE) | 8.4549% | 2,873 |
| Retained earnings to average equity (ytd only) | 6.2200% | 2,312 |
| Net charge-offs to loans | 0.1034% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 20.6643% | 1,449 |
| Efficiency ratio | 74.5152% | 3,026 |
| Assets per employee ($millions) | 3.1928% | 5,498 |
| Cash dividends to net income (ytd only)* | 26.4335% | 2,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2963% | 4,528 |
| Loan loss allowance to noncurrent loans | 874.1895% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 5,725 |
| Noncurrent loans to loans | 0.1483% | 5,950 |
| Net loans and leases to total assets | 52.2481% | 4,824 |
| Net loans and leases to deposits | 59.1003% | 5,060 |
| Net loans and leases to core deposits | 64.3035% | 4,860 |
| Total domestic deposits to total assets | 88.4059% | 1,979 |
| Equity capital to assets | 10.3354% | 3,508 |
| Core capital (leverage) ratio | 8.9900% | 5,005 |
| Tier 1 risk-based capital ratio | 16.3254% | 3,028 |
| Total risk-based capital ratio | 17.5756% | 2,985 |
| Memoranda: |
| Average total assets | $1,036,640,000 | 634 |
| Average earning assets | $948,542,330 | 630 |
| Average equity | $106,849,330 | 669 |
| Average total loans | $541,664,000 | 772 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6057% | 5,437 |
| Cost of funding earning assets | 0.3552% | 5,479 |
| Net interest margin | 3.2505% | 4,732 |
| Noninterest income to average assets | 1.3022% | 908 |
| Noninterest expense to average assets | 3.3058% | 2,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7773% | 3,297 |
| Return on assets (ROA) | 0.7773% | 3,432 |
| Pretax return on assets | 0.9692% | 3,486 |
| Return on Equity (ROE) | 7.5515% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.5529% | 2,926 |
| Net charge-offs to loans | 0.1195% | 2,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 15.6173% | 1,391 |
| Efficiency ratio | 76.9603% | 2,770 |
| Assets per employee ($millions) | 3.1441% | 5,736 |
| Cash dividends to net income (ytd only)* | 26.4662% | 2,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3304% | 4,557 |
| Loan loss allowance to noncurrent loans | 1,014.0825% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 5,821 |
| Noncurrent loans to loans | 0.1312% | 6,075 |
| Net loans and leases to total assets | 51.1136% | 4,825 |
| Net loans and leases to deposits | 57.9581% | 5,040 |
| Net loans and leases to core deposits | 63.5130% | 4,789 |
| Total domestic deposits to total assets | 88.1906% | 2,201 |
| Equity capital to assets | 10.4414% | 3,611 |
| Core capital (leverage) ratio | 9.1373% | 4,656 |
| Tier 1 risk-based capital ratio | 16.5501% | 2,974 |
| Total risk-based capital ratio | 17.8012% | 2,932 |
| Memoranda: |
| Average total assets | $1,044,113,000 | 641 |
| Average earning assets | $954,938,500 | 633 |
| Average equity | $107,476,000 | 674 |
| Average total loans | $542,082,500 | 770 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9408% | 5,468 |
| Cost of funding earning assets | 0.4306% | 5,718 |
| Net interest margin | 3.5102% | 4,457 |
| Noninterest income to average assets | 1.4648% | 728 |
| Noninterest expense to average assets | 3.3875% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9967% | 2,348 |
| Return on assets (ROA) | 1.0307% | 2,410 |
| Pretax return on assets | 1.3644% | 2,159 |
| Return on Equity (ROE) | 9.3818% | 2,447 |
| Retained earnings to average equity (ytd only) | -6.5621% | 6,507 |
| Net charge-offs to loans | 0.0869% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 30.7015% | 996 |
| Efficiency ratio | 71.9634% | 3,422 |
| Assets per employee ($millions) | 3.1904% | 5,647 |
| Cash dividends to net income (ytd only)* | 169.9450% | 172 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4881% | 3,796 |
| Loan loss allowance to noncurrent loans | 813.7277% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 5,939 |
| Noncurrent loans to loans | 0.1829% | 6,014 |
| Net loans and leases to total assets | 50.4297% | 5,110 |
| Net loans and leases to deposits | 56.5567% | 5,383 |
| Net loans and leases to core deposits | 60.6808% | 5,297 |
| Total domestic deposits to total assets | 89.1667% | 1,460 |
| Equity capital to assets | 9.9231% | 4,276 |
| Core capital (leverage) ratio | 8.7136% | 5,308 |
| Tier 1 risk-based capital ratio | 16.5478% | 2,864 |
| Total risk-based capital ratio | 17.8010% | 2,838 |
| Memoranda: |
| Average total assets | $935,183,600 | 705 |
| Average earning assets | $863,828,400 | 696 |
| Average equity | $102,741,200 | 692 |
| Average total loans | $462,719,000 | 889 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9761% | 5,578 |
| Cost of funding earning assets | 0.4470% | 5,815 |
| Net interest margin | 3.5291% | 4,534 |
| Noninterest income to average assets | 1.4890% | 674 |
| Noninterest expense to average assets | 3.3630% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0485% | 2,288 |
| Return on assets (ROA) | 1.0485% | 2,505 |
| Pretax return on assets | 1.3924% | 2,263 |
| Return on Equity (ROE) | 9.3117% | 2,670 |
| Retained earnings to average equity (ytd only) | 5.6067% | 2,957 |
| Net charge-offs to loans | 0.0719% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 39.4677% | 887 |
| Efficiency ratio | 70.7199% | 3,553 |
| Assets per employee ($millions) | 3.2046% | 5,626 |
| Cash dividends to net income (ytd only)* | 39.7893% | 2,180 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5865% | 3,573 |
| Loan loss allowance to noncurrent loans | 649.8255% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 5,923 |
| Noncurrent loans to loans | 0.2441% | 5,998 |
| Net loans and leases to total assets | 49.3680% | 5,390 |
| Net loans and leases to deposits | 56.3976% | 5,598 |
| Net loans and leases to core deposits | 61.0029% | 5,455 |
| Total domestic deposits to total assets | 87.5356% | 2,328 |
| Equity capital to assets | 11.5014% | 2,740 |
| Core capital (leverage) ratio | 10.0146% | 3,514 |
| Tier 1 risk-based capital ratio | 19.6983% | 1,829 |
| Total risk-based capital ratio | 20.9529% | 1,804 |
| Memoranda: |
| Average total assets | $929,700,500 | 715 |
| Average earning assets | $860,478,000 | 698 |
| Average equity | $104,682,500 | 681 |
| Average total loans | $455,908,250 | 912 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9963% | 5,648 |
| Cost of funding earning assets | 0.4561% | 5,931 |
| Net interest margin | 3.5402% | 4,506 |
| Noninterest income to average assets | 1.4746% | 669 |
| Noninterest expense to average assets | 3.3179% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0739% | 2,152 |
| Return on assets (ROA) | 1.0739% | 2,372 |
| Pretax return on assets | 1.4296% | 2,091 |
| Return on Equity (ROE) | 9.6064% | 2,526 |
| Retained earnings to average equity (ytd only) | 6.0577% | 2,681 |
| Net charge-offs to loans | 0.0806% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 36.4341% | 942 |
| Efficiency ratio | 69.8878% | 3,785 |
| Assets per employee ($millions) | 3.2021% | 5,643 |
| Cash dividends to net income (ytd only)* | 36.9404% | 2,307 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6425% | 3,451 |
| Loan loss allowance to noncurrent loans | 745.1389% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 6,228 |
| Noncurrent loans to loans | 0.2204% | 6,141 |
| Net loans and leases to total assets | 47.6146% | 5,653 |
| Net loans and leases to deposits | 54.1191% | 5,853 |
| Net loans and leases to core deposits | 58.6739% | 5,723 |
| Total domestic deposits to total assets | 87.9811% | 2,153 |
| Equity capital to assets | 11.1907% | 2,901 |
| Core capital (leverage) ratio | 9.8359% | 3,669 |
| Tier 1 risk-based capital ratio | 19.5496% | 1,836 |
| Total risk-based capital ratio | 20.8049% | 1,807 |
| Memoranda: |
| Average total assets | $927,686,000 | 715 |
| Average earning assets | $857,641,330 | 701 |
| Average equity | $103,702,000 | 683 |
| Average total loans | $451,409,330 | 920 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0586% | 5,583 |
| Cost of funding earning assets | 0.4674% | 6,038 |
| Net interest margin | 3.5913% | 4,302 |
| Noninterest income to average assets | 1.4699% | 671 |
| Noninterest expense to average assets | 3.3694% | 2,089 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0679% | 2,219 |
| Return on assets (ROA) | 1.0679% | 2,411 |
| Pretax return on assets | 1.4142% | 2,145 |
| Return on Equity (ROE) | 9.5581% | 2,578 |
| Retained earnings to average equity (ytd only) | 6.9914% | 2,443 |
| Net charge-offs to loans | 0.0767% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 37.7907% | 779 |
| Efficiency ratio | 70.4357% | 3,734 |
| Assets per employee ($millions) | 3.2577% | 5,643 |
| Cash dividends to net income (ytd only)* | 26.8541% | 2,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6965% | 3,367 |
| Loan loss allowance to noncurrent loans | 541.8091% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 6,091 |
| Noncurrent loans to loans | 0.3131% | 6,054 |
| Net loans and leases to total assets | 46.8174% | 5,698 |
| Net loans and leases to deposits | 53.0390% | 5,898 |
| Net loans and leases to core deposits | 57.6889% | 5,740 |
| Total domestic deposits to total assets | 88.2697% | 2,149 |
| Equity capital to assets | 10.9497% | 2,961 |
| Core capital (leverage) ratio | 9.8588% | 3,555 |
| Tier 1 risk-based capital ratio | 19.9629% | 1,721 |
| Total risk-based capital ratio | 21.2193% | 1,691 |
| Memoranda: |
| Average total assets | $919,217,000 | 726 |
| Average earning assets | $848,170,500 | 707 |
| Average equity | $102,698,000 | 691 |
| Average total loans | $448,469,000 | 923 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4005% | 5,423 |
| Cost of funding earning assets | 0.6467% | 5,845 |
| Net interest margin | 3.7538% | 4,062 |
| Noninterest income to average assets | 1.4669% | 602 |
| Noninterest expense to average assets | 3.3678% | 2,320 |
| Loan and lease loss provision to assets | 0.0006% | 6,492 |
| Net operating income to assets | 1.1449% | 1,684 |
| Return on assets (ROA) | 1.1452% | 1,793 |
| Pretax return on assets | 1.5558% | 1,325 |
| Return on Equity (ROE) | 10.4375% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.2172% | 2,496 |
| Net charge-offs to loans | 0.0380% | 5,935 |
| Credit loss provision to net charge-offs | 2.9070% | 6,056 |
| Earnings coverage of net charge-offs (x) | 79.6279% | 371 |
| Efficiency ratio | 68.3994% | 4,276 |
| Assets per employee ($millions) | 3.0929% | 5,911 |
| Cash dividends to net income (ytd only)* | 50.0149% | 2,042 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7151% | 3,144 |
| Loan loss allowance to noncurrent loans | 747.6190% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.3004% | 6,222 |
| Noncurrent loans to loans | 0.2294% | 6,282 |
| Net loans and leases to total assets | 49.1510% | 5,703 |
| Net loans and leases to deposits | 56.2139% | 5,873 |
| Net loans and leases to core deposits | 60.0595% | 5,842 |
| Total domestic deposits to total assets | 87.4356% | 2,504 |
| Equity capital to assets | 11.4060% | 2,593 |
| Core capital (leverage) ratio | 9.9816% | 3,359 |
| Tier 1 risk-based capital ratio | 19.4452% | 1,782 |
| Total risk-based capital ratio | 20.7018% | 1,744 |
| Memoranda: |
| Average total assets | $880,249,400 | 744 |
| Average earning assets | $810,619,200 | 728 |
| Average equity | $96,584,800 | 712 |
| Average total loans | $452,633,000 | 923 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4365% | 5,474 |
| Cost of funding earning assets | 0.6961% | 5,795 |
| Net interest margin | 3.7404% | 4,158 |
| Noninterest income to average assets | 1.4525% | 619 |
| Noninterest expense to average assets | 3.3792% | 2,249 |
| Loan and lease loss provision to assets | 0.0008% | 6,390 |
| Net operating income to assets | 1.1394% | 1,840 |
| Return on assets (ROA) | 1.1394% | 1,962 |
| Pretax return on assets | 1.5210% | 1,597 |
| Return on Equity (ROE) | 10.4907% | 2,038 |
| Retained earnings to average equity (ytd only) | 6.4525% | 2,262 |
| Net charge-offs to loans | 0.0062% | 6,088 |
| Credit loss provision to net charge-offs | 23.8095% | 5,508 |
| Earnings coverage of net charge-offs (x) | 476.1311% | 79 |
| Efficiency ratio | 68.9501% | 4,133 |
| Assets per employee ($millions) | 3.1307% | 5,837 |
| Cash dividends to net income (ytd only)* | 38.4934% | 2,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7342% | 3,152 |
| Loan loss allowance to noncurrent loans | 702.8674% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.3074% | 6,301 |
| Noncurrent loans to loans | 0.2467% | 6,381 |
| Net loans and leases to total assets | 50.1665% | 5,684 |
| Net loans and leases to deposits | 57.4942% | 5,888 |
| Net loans and leases to core deposits | 61.6576% | 5,844 |
| Total domestic deposits to total assets | 87.2550% | 2,491 |
| Equity capital to assets | 11.4269% | 2,756 |
| Core capital (leverage) ratio | 10.1801% | 3,214 |
| Tier 1 risk-based capital ratio | 19.2444% | 1,869 |
| Total risk-based capital ratio | 20.5015% | 1,835 |
| Memoranda: |
| Average total assets | $876,074,750 | 753 |
| Average earning assets | $807,703,750 | 738 |
| Average equity | $95,154,500 | 725 |
| Average total loans | $453,653,250 | 940 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4437% | 5,543 |
| Cost of funding earning assets | 0.7509% | 5,662 |
| Net interest margin | 3.6927% | 4,299 |
| Noninterest income to average assets | 1.4490% | 607 |
| Noninterest expense to average assets | 3.3730% | 2,334 |
| Loan and lease loss provision to assets | 0.0011% | 6,213 |
| Net operating income to assets | 1.1103% | 1,842 |
| Return on assets (ROA) | 1.1103% | 1,933 |
| Pretax return on assets | 1.4781% | 1,593 |
| Return on Equity (ROE) | 10.4053% | 1,983 |
| Retained earnings to average equity (ytd only) | 6.2840% | 2,254 |
| Net charge-offs to loans | -0.0163% | 6,781 |
| Credit loss provision to net charge-offs | -13.5135% | 6,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5145% | 4,203 |
| Assets per employee ($millions) | 3.0514% | 5,972 |
| Cash dividends to net income (ytd only)* | 39.6078% | 2,091 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7549% | 3,136 |
| Loan loss allowance to noncurrent loans | 1,525.4826% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.1782% | 6,655 |
| Noncurrent loans to loans | 0.1150% | 6,689 |
| Net loans and leases to total assets | 51.0491% | 5,688 |
| Net loans and leases to deposits | 58.2844% | 5,906 |
| Net loans and leases to core deposits | 64.3842% | 5,689 |
| Total domestic deposits to total assets | 87.5862% | 2,418 |
| Equity capital to assets | 11.2059% | 2,764 |
| Core capital (leverage) ratio | 9.8326% | 3,475 |
| Tier 1 risk-based capital ratio | 18.7730% | 1,913 |
| Total risk-based capital ratio | 20.0300% | 1,875 |
| Memoranda: |
| Average total assets | $872,766,670 | 761 |
| Average earning assets | $804,335,000 | 754 |
| Average equity | $93,125,330 | 734 |
| Average total loans | $454,098,000 | 955 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3584% | 5,826 |
| Cost of funding earning assets | 0.7808% | 5,665 |
| Net interest margin | 3.5776% | 4,670 |
| Noninterest income to average assets | 1.3829% | 680 |
| Noninterest expense to average assets | 3.3700% | 2,358 |
| Loan and lease loss provision to assets | 0.0009% | 5,837 |
| Net operating income to assets | 0.9974% | 2,187 |
| Return on assets (ROA) | 0.9974% | 2,235 |
| Pretax return on assets | 1.3139% | 2,000 |
| Return on Equity (ROE) | 9.5859% | 2,251 |
| Retained earnings to average equity (ytd only) | 6.6759% | 2,289 |
| Net charge-offs to loans | 0.0596% | 4,335 |
| Credit loss provision to net charge-offs | 2.9412% | 4,451 |
| Earnings coverage of net charge-offs (x) | 42.3382% | 657 |
| Efficiency ratio | 71.9341% | 3,882 |
| Assets per employee ($millions) | 3.1815% | 5,758 |
| Cash dividends to net income (ytd only)* | 30.3571% | 1,980 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7147% | 3,288 |
| Loan loss allowance to noncurrent loans | 1,136.1516% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,758 |
| Noncurrent loans to loans | 0.1509% | 6,674 |
| Net loans and leases to total assets | 50.5119% | 5,781 |
| Net loans and leases to deposits | 57.0280% | 6,023 |
| Net loans and leases to core deposits | 64.5664% | 5,672 |
| Total domestic deposits to total assets | 88.5739% | 2,031 |
| Equity capital to assets | 10.4872% | 3,187 |
| Core capital (leverage) ratio | 9.8063% | 3,379 |
| Tier 1 risk-based capital ratio | 18.3070% | 2,017 |
| Total risk-based capital ratio | 19.5636% | 1,971 |
| Memoranda: |
| Average total assets | $875,855,000 | 764 |
| Average earning assets | $808,362,000 | 757 |
| Average equity | $91,133,500 | 741 |
| Average total loans | $456,003,000 | 963 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6315% | 6,015 |
| Cost of funding earning assets | 0.9398% | 5,979 |
| Net interest margin | 3.6917% | 4,381 |
| Noninterest income to average assets | 1.5627% | 601 |
| Noninterest expense to average assets | 3.4168% | 2,393 |
| Loan and lease loss provision to assets | 0.0468% | 6,697 |
| Net operating income to assets | 1.0767% | 1,771 |
| Return on assets (ROA) | 1.3543% | 1,111 |
| Pretax return on assets | 1.8700% | 653 |
| Return on Equity (ROE) | 13.3858% | 1,003 |
| Retained earnings to average equity (ytd only) | 9.4871% | 607 |
| Net charge-offs to loans | 0.0964% | 5,885 |
| Credit loss provision to net charge-offs | 92.6773% | 5,008 |
| Earnings coverage of net charge-offs (x) | 30.2906% | 726 |
| Efficiency ratio | 69.0544% | 4,365 |
| Assets per employee ($millions) | 3.0537% | 5,993 |
| Cash dividends to net income (ytd only)* | 29.1254% | 3,085 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7182% | 3,142 |
| Loan loss allowance to noncurrent loans | 1,164.4444% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 6,855 |
| Noncurrent loans to loans | 0.1476% | 6,778 |
| Net loans and leases to total assets | 51.8414% | 5,930 |
| Net loans and leases to deposits | 58.5389% | 6,210 |
| Net loans and leases to core deposits | 64.5991% | 6,008 |
| Total domestic deposits to total assets | 88.5589% | 1,913 |
| Equity capital to assets | 10.3214% | 3,364 |
| Core capital (leverage) ratio | 9.6249% | 3,517 |
| Tier 1 risk-based capital ratio | 17.5807% | 2,143 |
| Total risk-based capital ratio | 18.8370% | 2,106 |
| Memoranda: |
| Average total assets | $864,485,200 | 781 |
| Average earning assets | $792,741,600 | 769 |
| Average equity | $87,465,800 | 766 |
| Average total loans | $453,146,000 | 998 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6855% | 6,079 |
| Cost of funding earning assets | 0.9753% | 6,060 |
| Net interest margin | 3.7102% | 4,354 |
| Noninterest income to average assets | 1.5895% | 555 |
| Noninterest expense to average assets | 3.4063% | 2,274 |
| Loan and lease loss provision to assets | 0.0625% | 6,439 |
| Net operating income to assets | 1.0929% | 1,911 |
| Return on assets (ROA) | 1.4634% | 1,069 |
| Pretax return on assets | 2.0324% | 581 |
| Return on Equity (ROE) | 14.5376% | 935 |
| Retained earnings to average equity (ytd only) | 10.3362% | 717 |
| Net charge-offs to loans | 0.1619% | 5,026 |
| Credit loss provision to net charge-offs | 73.7705% | 5,319 |
| Earnings coverage of net charge-offs (x) | 18.6485% | 1,246 |
| Efficiency ratio | 68.3093% | 4,404 |
| Assets per employee ($millions) | 3.0329% | 6,075 |
| Cash dividends to net income (ytd only)* | 28.8999% | 2,599 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7041% | 3,137 |
| Loan loss allowance to noncurrent loans | 1,391.0233% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 7,000 |
| Noncurrent loans to loans | 0.1225% | 6,940 |
| Net loans and leases to total assets | 51.8854% | 6,117 |
| Net loans and leases to deposits | 59.4013% | 6,359 |
| Net loans and leases to core deposits | 65.3879% | 6,170 |
| Total domestic deposits to total assets | 87.3473% | 2,345 |
| Equity capital to assets | 10.7520% | 3,225 |
| Core capital (leverage) ratio | 9.5572% | 3,820 |
| Tier 1 risk-based capital ratio | 17.4023% | 2,204 |
| Total risk-based capital ratio | 18.6584% | 2,168 |
| Memoranda: |
| Average total assets | $863,794,750 | 782 |
| Average earning assets | $790,878,500 | 770 |
| Average equity | $86,954,250 | 765 |
| Average total loans | $452,069,250 | 999 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6957% | 6,159 |
| Cost of funding earning assets | 1.0053% | 6,110 |
| Net interest margin | 3.6904% | 4,408 |
| Noninterest income to average assets | 1.4661% | 590 |
| Noninterest expense to average assets | 3.3925% | 2,280 |
| Loan and lease loss provision to assets | 0.0706% | 6,248 |
| Net operating income to assets | 1.0347% | 2,065 |
| Return on assets (ROA) | 1.0382% | 2,133 |
| Pretax return on assets | 1.3821% | 1,880 |
| Return on Equity (ROE) | 10.5515% | 1,910 |
| Retained earnings to average equity (ytd only) | 5.6449% | 2,530 |
| Net charge-offs to loans | 0.0762% | 5,378 |
| Credit loss provision to net charge-offs | 177.3256% | 2,211 |
| Earnings coverage of net charge-offs (x) | 36.3953% | 792 |
| Efficiency ratio | 70.0851% | 4,181 |
| Assets per employee ($millions) | 3.0604% | 6,012 |
| Cash dividends to net income (ytd only)* | 46.5018% | 1,827 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7899% | 2,747 |
| Loan loss allowance to noncurrent loans | 1,156.3401% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 7,027 |
| Noncurrent loans to loans | 0.1548% | 6,953 |
| Net loans and leases to total assets | 50.1311% | 6,419 |
| Net loans and leases to deposits | 56.8241% | 6,666 |
| Net loans and leases to core deposits | 64.1415% | 6,391 |
| Total domestic deposits to total assets | 88.2216% | 1,870 |
| Equity capital to assets | 9.9476% | 4,082 |
| Core capital (leverage) ratio | 8.9731% | 4,646 |
| Tier 1 risk-based capital ratio | 16.4108% | 2,512 |
| Total risk-based capital ratio | 17.6675% | 2,452 |
| Memoranda: |
| Average total assets | $864,613,000 | 783 |
| Average earning assets | $790,591,330 | 770 |
| Average equity | $85,068,670 | 770 |
| Average total loans | $451,206,330 | 1,011 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7458% | 6,090 |
| Cost of funding earning assets | 1.0339% | 6,208 |
| Net interest margin | 3.7119% | 4,179 |
| Noninterest income to average assets | 1.4554% | 562 |
| Noninterest expense to average assets | 3.3847% | 2,279 |
| Loan and lease loss provision to assets | 0.1413% | 5,135 |
| Net operating income to assets | 1.0022% | 2,177 |
| Return on assets (ROA) | 1.0022% | 2,242 |
| Pretax return on assets | 1.3197% | 2,003 |
| Return on Equity (ROE) | 10.2436% | 2,022 |
| Retained earnings to average equity (ytd only) | 2.9792% | 4,341 |
| Net charge-offs to loans | 0.0928% | 4,490 |
| Credit loss provision to net charge-offs | 288.5714% | 1,362 |
| Earnings coverage of net charge-offs (x) | 29.8381% | 875 |
| Efficiency ratio | 69.8489% | 4,335 |
| Assets per employee ($millions) | 3.0185% | 6,170 |
| Cash dividends to net income (ytd only)* | 70.9167% | 1,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7940% | 2,753 |
| Loan loss allowance to noncurrent loans | 904.9217% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 6,977 |
| Noncurrent loans to loans | 0.1983% | 6,946 |
| Net loans and leases to total assets | 51.1185% | 6,364 |
| Net loans and leases to deposits | 57.2313% | 6,677 |
| Net loans and leases to core deposits | 65.1544% | 6,358 |
| Total domestic deposits to total assets | 89.3191% | 1,351 |
| Equity capital to assets | 9.7169% | 4,201 |
| Core capital (leverage) ratio | 8.8412% | 4,803 |
| Tier 1 risk-based capital ratio | 16.0290% | 2,646 |
| Total risk-based capital ratio | 17.2837% | 2,598 |
| Memoranda: |
| Average total assets | $857,747,000 | 804 |
| Average earning assets | $783,425,500 | 796 |
| Average equity | $83,916,000 | 790 |
| Average total loans | $452,635,000 | 1,038 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9820% | 6,494 |
| Cost of funding earning assets | 1.2682% | 6,415 |
| Net interest margin | 3.7137% | 4,077 |
| Noninterest income to average assets | 1.5318% | 607 |
| Noninterest expense to average assets | 3.4541% | 2,515 |
| Loan and lease loss provision to assets | 0.2149% | 5,632 |
| Net operating income to assets | 0.9844% | 1,892 |
| Return on assets (ROA) | 1.0014% | 1,881 |
| Pretax return on assets | 1.3016% | 1,691 |
| Return on Equity (ROE) | 10.4165% | 1,577 |
| Retained earnings to average equity (ytd only) | 4.5747% | 2,054 |
| Net charge-offs to loans | 0.1348% | 5,856 |
| Credit loss provision to net charge-offs | 298.6799% | 1,116 |
| Earnings coverage of net charge-offs (x) | 20.7690% | 1,028 |
| Efficiency ratio | 69.6739% | 4,699 |
| Assets per employee ($millions) | 2.9181% | 6,418 |
| Cash dividends to net income (ytd only)* | 56.0825% | 2,192 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7370% | 2,758 |
| Loan loss allowance to noncurrent loans | 500.1267% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 6,816 |
| Noncurrent loans to loans | 0.3473% | 6,586 |
| Net loans and leases to total assets | 52.5732% | 6,353 |
| Net loans and leases to deposits | 58.9943% | 6,703 |
| Net loans and leases to core deposits | 73.7835% | 6,549 |
| Total domestic deposits to total assets | 89.1159% | 1,426 |
| Equity capital to assets | 9.8510% | 3,943 |
| Core capital (leverage) ratio | 8.9267% | 4,545 |
| Tier 1 risk-based capital ratio | 15.6403% | 2,657 |
| Total risk-based capital ratio | 16.8964% | 2,603 |
| Memoranda: |
| Average total assets | $842,217,000 | 804 |
| Average earning assets | $774,850,400 | 797 |
| Average equity | $80,967,400 | 800 |
| Average total loans | $449,389,400 | 1,067 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0027% | 6,590 |
| Cost of funding earning assets | 1.3395% | 6,432 |
| Net interest margin | 3.6632% | 4,225 |
| Noninterest income to average assets | 1.5278% | 634 |
| Noninterest expense to average assets | 3.4283% | 2,490 |
| Loan and lease loss provision to assets | 0.2150% | 5,266 |
| Net operating income to assets | 0.9662% | 2,174 |
| Return on assets (ROA) | 0.9883% | 2,163 |
| Pretax return on assets | 1.2930% | 1,967 |
| Return on Equity (ROE) | 10.3448% | 1,802 |
| Retained earnings to average equity (ytd only) | 3.3791% | 3,414 |
| Net charge-offs to loans | 0.1205% | 5,493 |
| Credit loss provision to net charge-offs | 334.5679% | 1,227 |
| Earnings coverage of net charge-offs (x) | 23.0196% | 1,135 |
| Efficiency ratio | 69.6903% | 4,649 |
| Assets per employee ($millions) | 2.8233% | 6,604 |
| Cash dividends to net income (ytd only)* | 67.3354% | 1,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6754% | 2,718 |
| Loan loss allowance to noncurrent loans | 964.3939% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 7,237 |
| Noncurrent loans to loans | 0.1737% | 7,059 |
| Net loans and leases to total assets | 54.0032% | 6,384 |
| Net loans and leases to deposits | 60.5586% | 6,782 |
| Net loans and leases to core deposits | 76.5142% | 6,579 |
| Total domestic deposits to total assets | 89.1751% | 1,118 |
| Equity capital to assets | 9.8577% | 4,267 |
| Core capital (leverage) ratio | 8.8361% | 4,917 |
| Tier 1 risk-based capital ratio | 15.3629% | 2,886 |
| Total risk-based capital ratio | 16.6184% | 2,825 |
| Memoranda: |
| Average total assets | $840,476,000 | 816 |
| Average earning assets | $775,372,750 | 810 |
| Average equity | $80,296,000 | 816 |
| Average total loans | $448,153,250 | 1,090 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9973% | 6,778 |
| Cost of funding earning assets | 1.4072% | 6,451 |
| Net interest margin | 3.5901% | 4,404 |
| Noninterest income to average assets | 1.4849% | 671 |
| Noninterest expense to average assets | 3.3561% | 2,767 |
| Loan and lease loss provision to assets | 0.2138% | 4,910 |
| Net operating income to assets | 0.9396% | 2,312 |
| Return on assets (ROA) | 0.9716% | 2,296 |
| Pretax return on assets | 1.2740% | 2,098 |
| Return on Equity (ROE) | 10.2774% | 1,922 |
| Retained earnings to average equity (ytd only) | 1.1431% | 4,697 |
| Net charge-offs to loans | 0.1091% | 5,065 |
| Credit loss provision to net charge-offs | 371.1934% | 1,250 |
| Earnings coverage of net charge-offs (x) | 25.1029% | 1,131 |
| Efficiency ratio | 69.6328% | 4,854 |
| Assets per employee ($millions) | 2.8102% | 6,601 |
| Cash dividends to net income (ytd only)* | 88.8780% | 904 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6268% | 2,627 |
| Loan loss allowance to noncurrent loans | 907.0370% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 7,289 |
| Noncurrent loans to loans | 0.1794% | 7,071 |
| Net loans and leases to total assets | 53.4081% | 6,522 |
| Net loans and leases to deposits | 59.7094% | 6,910 |
| Net loans and leases to core deposits | 77.1050% | 6,603 |
| Total domestic deposits to total assets | 89.4467% | 1,065 |
| Equity capital to assets | 9.5265% | 4,577 |
| Core capital (leverage) ratio | 8.5182% | 5,415 |
| Tier 1 risk-based capital ratio | 15.1910% | 2,938 |
| Total risk-based capital ratio | 16.4467% | 2,871 |
| Memoranda: |
| Average total assets | $843,946,670 | 835 |
| Average earning assets | $779,696,000 | 820 |
| Average equity | $79,786,330 | 828 |
| Average total loans | $445,571,330 | 1,124 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9945% | 6,940 |
| Cost of funding earning assets | 1.4505% | 6,572 |
| Net interest margin | 3.5441% | 4,549 |
| Noninterest income to average assets | 1.3910% | 730 |
| Noninterest expense to average assets | 3.3223% | 2,592 |
| Loan and lease loss provision to assets | 0.2118% | 4,329 |
| Net operating income to assets | 0.8684% | 2,849 |
| Return on assets (ROA) | 0.9209% | 2,750 |
| Pretax return on assets | 1.1976% | 2,634 |
| Return on Equity (ROE) | 9.7780% | 2,414 |
| Retained earnings to average equity (ytd only) | 5.6110% | 2,819 |
| Net charge-offs to loans | 0.0488% | 4,798 |
| Credit loss provision to net charge-offs | 833.3333% | 724 |
| Earnings coverage of net charge-offs (x) | 52.7778% | 690 |
| Efficiency ratio | 70.8375% | 4,402 |
| Assets per employee ($millions) | 2.9737% | 6,227 |
| Cash dividends to net income (ytd only)* | 42.6162% | 1,997 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5886% | 2,565 |
| Loan loss allowance to noncurrent loans | 1,225.6055% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 7,348 |
| Noncurrent loans to loans | 0.1296% | 7,147 |
| Net loans and leases to total assets | 51.0651% | 6,763 |
| Net loans and leases to deposits | 56.9909% | 7,104 |
| Net loans and leases to core deposits | 74.2592% | 6,793 |
| Total domestic deposits to total assets | 89.6022% | 968 |
| Equity capital to assets | 9.3793% | 4,836 |
| Core capital (leverage) ratio | 8.6465% | 5,267 |
| Tier 1 risk-based capital ratio | 15.0289% | 3,056 |
| Total risk-based capital ratio | 16.2828% | 2,991 |
| Memoranda: |
| Average total assets | $850,007,500 | 830 |
| Average earning assets | $784,856,000 | 817 |
| Average equity | $80,057,500 | 824 |
| Average total loans | $442,552,500 | 1,138 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5862% | 7,115 |
| Cost of funding earning assets | 1.8144% | 6,966 |
| Net interest margin | 3.7718% | 4,129 |
| Noninterest income to average assets | 1.7378% | 449 |
| Noninterest expense to average assets | 3.5587% | 2,243 |
| Loan and lease loss provision to assets | 0.3761% | 3,430 |
| Net operating income to assets | 0.9806% | 2,632 |
| Return on assets (ROA) | 0.9826% | 2,509 |
| Pretax return on assets | 1.2574% | 2,454 |
| Return on Equity (ROE) | 10.1731% | 2,194 |
| Retained earnings to average equity (ytd only) | 5.9230% | 1,566 |
| Net charge-offs to loans | 0.1490% | 4,720 |
| Credit loss provision to net charge-offs | 486.7550% | 898 |
| Earnings coverage of net charge-offs (x) | 21.1076% | 1,547 |
| Efficiency ratio | 66.8055% | 4,945 |
| Assets per employee ($millions) | 2.9087% | 6,272 |
| Cash dividends to net income (ytd only)* | 41.7784% | 3,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5229% | 2,575 |
| Loan loss allowance to noncurrent loans | 814.6163% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 7,152 |
| Noncurrent loans to loans | 0.1869% | 6,830 |
| Net loans and leases to total assets | 51.4480% | 6,898 |
| Net loans and leases to deposits | 57.7267% | 7,225 |
| Net loans and leases to core deposits | 73.3797% | 7,002 |
| Total domestic deposits to total assets | 89.1234% | 994 |
| Equity capital to assets | 9.4585% | 4,746 |
| Core capital (leverage) ratio | 8.7565% | 5,106 |
| Tier 1 risk-based capital ratio | 14.8814% | 3,108 |
| Total risk-based capital ratio | 16.1341% | 3,024 |
| Memoranda: |
| Average total assets | $781,684,200 | 868 |
| Average earning assets | $715,394,000 | 850 |
| Average equity | $75,502,800 | 878 |
| Average total loans | $405,498,000 | 1,195 |
