| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6610% | 2,766 |
| Cost of funding earning assets | 2.4463% | 412 |
| Net interest margin | 2.2147% | 4,307 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.3005% | 4,436 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8245% | 2,791 |
| Return on assets (ROA) | 0.8151% | 2,801 |
| Pretax return on assets | 1.0178% | 2,628 |
| Return on Equity (ROE) | 9.2100% | 2,703 |
| Retained earnings to average equity (ytd only) | 1.4874% | 3,714 |
| Net charge-offs to loans | 0.0032% | 2,659 |
| Credit loss provision to net charge-offs | 561.7978% | 622 |
| Earnings coverage of net charge-offs (x) | 434.3820% | 328 |
| Efficiency ratio | 55.3652% | 3,564 |
| Assets per employee ($millions) | 21.1295% | 91 |
| Cash dividends to net income (ytd only)* | 83.8463% | 495 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9681% | 3,465 |
| Loan loss allowance to noncurrent loans | 9,575.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,741 |
| Noncurrent loans to loans | 0.0101% | 3,695 |
| Net loans and leases to total assets | 75.8100% | 1,143 |
| Net loans and leases to deposits | 97.3251% | 693 |
| Net loans and leases to core deposits | 112.0818% | 883 |
| Total domestic deposits to total assets | 77.8900% | 3,742 |
| Equity capital to assets | 8.7705% | 2,846 |
| Core capital (leverage) ratio | 10.8581% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7614% | 2,316 |
| Memoranda: |
| Average total assets | $3,687,233,600 | 344 |
| Average earning assets | $3,439,267,000 | 329 |
| Average equity | $326,411,200 | 370 |
| Average total loans | $2,816,681,600 | 315 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5990% | 2,681 |
| Cost of funding earning assets | 2.3295% | 383 |
| Net interest margin | 2.2695% | 4,317 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.3113% | 4,441 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8792% | 2,757 |
| Return on assets (ROA) | 0.8792% | 2,739 |
| Pretax return on assets | 1.0967% | 2,575 |
| Return on Equity (ROE) | 9.9100% | 2,660 |
| Retained earnings to average equity (ytd only) | 2.2984% | 3,666 |
| Net charge-offs to loans | -0.0008% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.2925% | 3,565 |
| Assets per employee ($millions) | 20.2191% | 96 |
| Cash dividends to net income (ytd only)* | 76.8017% | 515 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9877% | 3,429 |
| Loan loss allowance to noncurrent loans | 9,289.4389% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,773 |
| Noncurrent loans to loans | 0.0106% | 3,721 |
| Net loans and leases to total assets | 76.2600% | 1,090 |
| Net loans and leases to deposits | 102.1599% | 427 |
| Net loans and leases to core deposits | 116.7916% | 642 |
| Total domestic deposits to total assets | 74.6500% | 4,113 |
| Equity capital to assets | 8.5027% | 2,730 |
| Core capital (leverage) ratio | 10.9968% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8851% | 2,307 |
| Memoranda: |
| Average total assets | $3,652,933,250 | 349 |
| Average earning assets | $3,409,994,250 | 334 |
| Average equity | $324,158,500 | 373 |
| Average total loans | $2,788,968,250 | 320 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4985% | 2,649 |
| Cost of funding earning assets | 2.1690% | 359 |
| Net interest margin | 2.3296% | 4,346 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.3282% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9204% | 2,686 |
| Return on assets (ROA) | 0.9204% | 2,668 |
| Pretax return on assets | 1.1436% | 2,528 |
| Return on Equity (ROE) | 10.2300% | 2,635 |
| Retained earnings to average equity (ytd only) | 3.1398% | 3,440 |
| Net charge-offs to loans | -0.0005% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.7351% | 3,635 |
| Assets per employee ($millions) | 20.2026% | 92 |
| Cash dividends to net income (ytd only)* | 69.2992% | 771 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9953% | 3,439 |
| Loan loss allowance to noncurrent loans | 9,041.4239% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 3,769 |
| Noncurrent loans to loans | 0.0110% | 3,701 |
| Net loans and leases to total assets | 75.5800% | 1,095 |
| Net loans and leases to deposits | 97.8079% | 621 |
| Net loans and leases to core deposits | 110.9976% | 784 |
| Total domestic deposits to total assets | 77.2800% | 3,919 |
| Equity capital to assets | 8.9552% | 2,543 |
| Core capital (leverage) ratio | 11.0751% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1303% | 2,242 |
| Memoranda: |
| Average total assets | $3,637,211,667 | 339 |
| Average earning assets | $3,402,450,667 | 324 |
| Average equity | $327,342,333 | 360 |
| Average total loans | $2,768,698,667 | 309 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3876% | 2,589 |
| Cost of funding earning assets | 1.9719% | 318 |
| Net interest margin | 2.4157% | 4,375 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 1.3142% | 4,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0325% | 2,424 |
| Return on assets (ROA) | 1.0325% | 2,392 |
| Pretax return on assets | 1.2750% | 2,242 |
| Return on Equity (ROE) | 11.4400% | 2,367 |
| Retained earnings to average equity (ytd only) | 4.2123% | 3,209 |
| Net charge-offs to loans | -0.0015% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.7581% | 3,875 |
| Assets per employee ($millions) | 19.8005% | 96 |
| Cash dividends to net income (ytd only)* | 63.1895% | 901 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0138% | 3,462 |
| Loan loss allowance to noncurrent loans | 8,842.0886% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,788 |
| Noncurrent loans to loans | 0.0115% | 3,736 |
| Net loans and leases to total assets | 75.2900% | 1,047 |
| Net loans and leases to deposits | 97.2690% | 580 |
| Net loans and leases to core deposits | 110.6989% | 682 |
| Total domestic deposits to total assets | 77.4100% | 4,056 |
| Equity capital to assets | 9.0879% | 2,447 |
| Core capital (leverage) ratio | 11.1001% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1559% | 2,329 |
| Memoranda: |
| Average total assets | $3,617,380,000 | 353 |
| Average earning assets | $3,389,460,500 | 335 |
| Average equity | $326,378,000 | 372 |
| Average total loans | $2,749,510,500 | 319 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6988% | 2,526 |
| Cost of funding earning assets | 0.8149% | 366 |
| Net interest margin | 2.8838% | 3,717 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.2602% | 4,576 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.4220% | 1,070 |
| Return on assets (ROA) | 1.4220% | 1,034 |
| Pretax return on assets | 1.8241% | 696 |
| Return on Equity (ROE) | 15.9600% | 1,064 |
| Retained earnings to average equity (ytd only) | 9.2836% | 1,396 |
| Net charge-offs to loans | 0.0152% | 1,821 |
| Credit loss provision to net charge-offs | -639.3862% | 4,641 |
| Earnings coverage of net charge-offs (x) | 158.2481% | 762 |
| Efficiency ratio | 41.8189% | 4,494 |
| Assets per employee ($millions) | 20.6358% | 90 |
| Cash dividends to net income (ytd only)* | 41.8452% | 1,808 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9287% | 3,676 |
| Loan loss allowance to noncurrent loans | 7,910.8696% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,810 |
| Noncurrent loans to loans | 0.0117% | 3,753 |
| Net loans and leases to total assets | 75.2500% | 1,096 |
| Net loans and leases to deposits | 93.9474% | 788 |
| Net loans and leases to core deposits | 107.4542% | 691 |
| Total domestic deposits to total assets | 80.0900% | 3,869 |
| Equity capital to assets | 8.9569% | 2,386 |
| Core capital (leverage) ratio | 11.3729% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0821% | 2,337 |
| Memoranda: |
| Average total assets | $3,529,232,800 | 340 |
| Average earning assets | $3,334,853,600 | 326 |
| Average equity | $314,372,400 | 375 |
| Average total loans | $2,574,524,400 | 313 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5385% | 2,491 |
| Cost of funding earning assets | 0.5777% | 490 |
| Net interest margin | 2.9608% | 3,325 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.2514% | 4,601 |
| Loan and lease loss provision to assets | -0.0900% | 4,563 |
| Net operating income to assets | 1.5139% | 824 |
| Return on assets (ROA) | 1.5139% | 801 |
| Pretax return on assets | 1.9485% | 516 |
| Return on Equity (ROE) | 17.0200% | 785 |
| Retained earnings to average equity (ytd only) | 10.5258% | 1,188 |
| Net charge-offs to loans | 0.0235% | 1,360 |
| Credit loss provision to net charge-offs | -560.5381% | 4,702 |
| Earnings coverage of net charge-offs (x) | 109.3632% | 903 |
| Efficiency ratio | 40.3038% | 4,564 |
| Assets per employee ($millions) | 20.2058% | 101 |
| Cash dividends to net income (ytd only)* | 38.1536% | 1,666 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9723% | 3,606 |
| Loan loss allowance to noncurrent loans | 7,725.8359% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,896 |
| Noncurrent loans to loans | 0.0126% | 3,848 |
| Net loans and leases to total assets | 73.6300% | 1,129 |
| Net loans and leases to deposits | 91.3027% | 805 |
| Net loans and leases to core deposits | 103.6202% | 666 |
| Total domestic deposits to total assets | 80.6400% | 4,035 |
| Equity capital to assets | 8.8535% | 2,317 |
| Core capital (leverage) ratio | 11.4715% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3834% | 2,325 |
| Memoranda: |
| Average total assets | $3,508,723,750 | 345 |
| Average earning assets | $3,322,666,500 | 329 |
| Average equity | $312,101,000 | 381 |
| Average total loans | $2,532,446,500 | 314 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3512% | 2,569 |
| Cost of funding earning assets | 0.4055% | 885 |
| Net interest margin | 2.9458% | 3,047 |
| Noninterest income to average assets | 0.2656% | 3,585 |
| Noninterest expense to average assets | 1.2319% | 4,625 |
| Loan and lease loss provision to assets | -0.1426% | 4,642 |
| Net operating income to assets | 1.5378% | 640 |
| Return on assets (ROA) | 1.5378% | 622 |
| Pretax return on assets | 1.9846% | 395 |
| Return on Equity (ROE) | 17.2619% | 538 |
| Retained earnings to average equity (ytd only) | 11.1795% | 759 |
| Net charge-offs to loans | 0.0343% | 1,048 |
| Credit loss provision to net charge-offs | -581.3953% | 3,416 |
| Earnings coverage of net charge-offs (x) | 75.1000% | 966 |
| Efficiency ratio | 40.0772% | 4,607 |
| Assets per employee ($millions) | 20.1955% | 97 |
| Cash dividends to net income (ytd only)* | 35.2361% | 1,906 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9884% | 3,650 |
| Loan loss allowance to noncurrent loans | 7,592.2388% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 3,934 |
| Noncurrent loans to loans | 0.0130% | 3,878 |
| Net loans and leases to total assets | 73.3440% | 968 |
| Net loans and leases to deposits | 89.3298% | 760 |
| Net loans and leases to core deposits | 99.1053% | 705 |
| Total domestic deposits to total assets | 82.1047% | 3,995 |
| Equity capital to assets | 9.4863% | 2,028 |
| Core capital (leverage) ratio | 11.2183% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6147% | 2,245 |
| Memoranda: |
| Average total assets | $3,506,361,333 | 339 |
| Average earning assets | $3,342,768,000 | 327 |
| Average equity | $312,376,667 | 383 |
| Average total loans | $2,505,213,667 | 309 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2159% | 2,636 |
| Cost of funding earning assets | 0.3332% | 1,341 |
| Net interest margin | 2.8827% | 2,897 |
| Noninterest income to average assets | 0.2706% | 3,513 |
| Noninterest expense to average assets | 1.1906% | 4,669 |
| Loan and lease loss provision to assets | -0.0852% | 4,574 |
| Net operating income to assets | 1.5521% | 569 |
| Return on assets (ROA) | 1.5521% | 562 |
| Pretax return on assets | 1.9251% | 420 |
| Return on Equity (ROE) | 17.9970% | 343 |
| Retained earnings to average equity (ytd only) | 11.8089% | 637 |
| Net charge-offs to loans | -0.0015% | 3,061 |
| Credit loss provision to net charge-offs | 8,333.3333% | 53 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2858% | 4,658 |
| Assets per employee ($millions) | 20.2639% | 98 |
| Cash dividends to net income (ytd only)* | 34.3844% | 1,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1112% | 3,279 |
| Loan loss allowance to noncurrent loans | 313.8977% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 2,151 |
| Noncurrent loans to loans | 0.3540% | 2,213 |
| Net loans and leases to total assets | 69.3200% | 1,084 |
| Net loans and leases to deposits | 79.4024% | 1,189 |
| Net loans and leases to core deposits | 83.7499% | 1,254 |
| Total domestic deposits to total assets | 87.3022% | 2,814 |
| Equity capital to assets | 8.2190% | 3,385 |
| Core capital (leverage) ratio | 9.3879% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8827% | 2,919 |
| Memoranda: |
| Average total assets | $3,522,730,500 | 340 |
| Average earning assets | $3,372,627,000 | 330 |
| Average equity | $303,805,500 | 393 |
| Average total loans | $2,471,256,000 | 313 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4278% | 2,856 |
| Cost of funding earning assets | 0.3519% | 1,921 |
| Net interest margin | 3.0759% | 2,981 |
| Noninterest income to average assets | 0.2950% | 3,634 |
| Noninterest expense to average assets | 1.3084% | 4,672 |
| Loan and lease loss provision to assets | -0.0458% | 4,334 |
| Net operating income to assets | 1.5529% | 906 |
| Return on assets (ROA) | 1.5541% | 933 |
| Pretax return on assets | 1.9743% | 637 |
| Return on Equity (ROE) | 18.5314% | 417 |
| Retained earnings to average equity (ytd only) | 10.7007% | 763 |
| Net charge-offs to loans | -0.0183% | 3,943 |
| Credit loss provision to net charge-offs | 350.4673% | 990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4413% | 4,678 |
| Assets per employee ($millions) | 19.9959% | 101 |
| Cash dividends to net income (ytd only)* | 42.2563% | 1,912 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1546% | 3,106 |
| Loan loss allowance to noncurrent loans | 316.9870% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 2,281 |
| Noncurrent loans to loans | 0.3642% | 2,280 |
| Net loans and leases to total assets | 69.3946% | 1,112 |
| Net loans and leases to deposits | 80.4014% | 1,184 |
| Net loans and leases to core deposits | 86.9363% | 1,140 |
| Total domestic deposits to total assets | 86.3102% | 2,797 |
| Equity capital to assets | 9.0347% | 3,585 |
| Core capital (leverage) ratio | 9.5315% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0994% | 2,866 |
| Memoranda: |
| Average total assets | $3,273,927,000 | 349 |
| Average earning assets | $3,129,703,800 | 340 |
| Average equity | $274,560,400 | 418 |
| Average total loans | $2,342,963,200 | 316 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4572% | 2,945 |
| Cost of funding earning assets | 0.3592% | 2,032 |
| Net interest margin | 3.0980% | 3,063 |
| Noninterest income to average assets | 0.3031% | 3,620 |
| Noninterest expense to average assets | 1.2878% | 4,760 |
| Loan and lease loss provision to assets | -0.0622% | 4,504 |
| Net operating income to assets | 1.6002% | 1,032 |
| Return on assets (ROA) | 1.6019% | 1,072 |
| Pretax return on assets | 2.0359% | 753 |
| Return on Equity (ROE) | 19.5112% | 464 |
| Retained earnings to average equity (ytd only) | 11.1327% | 1,029 |
| Net charge-offs to loans | -0.0093% | 3,648 |
| Credit loss provision to net charge-offs | 925.9259% | 533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5098% | 4,736 |
| Assets per employee ($millions) | 19.2207% | 118 |
| Cash dividends to net income (ytd only)* | 42.9418% | 1,488 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1908% | 3,035 |
| Loan loss allowance to noncurrent loans | 309.4493% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 2,383 |
| Noncurrent loans to loans | 0.3848% | 2,405 |
| Net loans and leases to total assets | 71.7751% | 892 |
| Net loans and leases to deposits | 85.0666% | 884 |
| Net loans and leases to core deposits | 90.9723% | 984 |
| Total domestic deposits to total assets | 84.3752% | 3,344 |
| Equity capital to assets | 8.4516% | 4,244 |
| Core capital (leverage) ratio | 8.5620% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1809% | 3,073 |
| Memoranda: |
| Average total assets | $3,217,587,000 | 356 |
| Average earning assets | $3,070,496,000 | 344 |
| Average equity | $264,163,000 | 432 |
| Average total loans | $2,314,534,000 | 323 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4076% | 3,161 |
| Cost of funding earning assets | 0.3636% | 2,194 |
| Net interest margin | 3.0440% | 3,194 |
| Noninterest income to average assets | 0.3074% | 3,592 |
| Noninterest expense to average assets | 1.2761% | 4,799 |
| Loan and lease loss provision to assets | -0.0935% | 4,613 |
| Net operating income to assets | 1.5988% | 1,052 |
| Return on assets (ROA) | 1.6008% | 1,103 |
| Pretax return on assets | 2.0311% | 788 |
| Return on Equity (ROE) | 19.6934% | 480 |
| Retained earnings to average equity (ytd only) | 12.3288% | 847 |
| Net charge-offs to loans | -0.0092% | 3,643 |
| Credit loss provision to net charge-offs | 1,415.0943% | 380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7382% | 4,756 |
| Assets per employee ($millions) | 19.5639% | 99 |
| Cash dividends to net income (ytd only)* | 37.3963% | 1,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2142% | 2,850 |
| Loan loss allowance to noncurrent loans | 192.2528% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 1,845 |
| Noncurrent loans to loans | 0.6316% | 1,832 |
| Net loans and leases to total assets | 69.8307% | 1,215 |
| Net loans and leases to deposits | 80.6513% | 1,363 |
| Net loans and leases to core deposits | 85.8680% | 1,427 |
| Total domestic deposits to total assets | 86.5835% | 2,513 |
| Equity capital to assets | 8.3105% | 4,348 |
| Core capital (leverage) ratio | 8.6131% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4889% | 3,038 |
| Memoranda: |
| Average total assets | $3,207,349,333 | 352 |
| Average earning assets | $3,059,706,000 | 342 |
| Average equity | $260,706,000 | 433 |
| Average total loans | $2,299,523,000 | 327 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4798% | 2,984 |
| Cost of funding earning assets | 0.3824% | 2,239 |
| Net interest margin | 3.0974% | 2,994 |
| Noninterest income to average assets | 0.3092% | 3,558 |
| Noninterest expense to average assets | 1.2686% | 4,837 |
| Loan and lease loss provision to assets | 0.0629% | 1,878 |
| Net operating income to assets | 1.5247% | 1,273 |
| Return on assets (ROA) | 1.5251% | 1,336 |
| Pretax return on assets | 1.9263% | 1,068 |
| Return on Equity (ROE) | 18.9816% | 624 |
| Retained earnings to average equity (ytd only) | 11.7744% | 1,208 |
| Net charge-offs to loans | -0.0126% | 3,771 |
| Credit loss provision to net charge-offs | -694.4444% | 3,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9449% | 4,780 |
| Assets per employee ($millions) | 18.4390% | 122 |
| Cash dividends to net income (ytd only)* | 37.9695% | 1,458 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3017% | 2,428 |
| Loan loss allowance to noncurrent loans | 120.9805% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 1,153 |
| Noncurrent loans to loans | 1.0760% | 1,248 |
| Net loans and leases to total assets | 71.7415% | 1,062 |
| Net loans and leases to deposits | 84.7220% | 1,074 |
| Net loans and leases to core deposits | 90.2467% | 1,217 |
| Total domestic deposits to total assets | 84.6787% | 3,226 |
| Equity capital to assets | 8.2017% | 4,362 |
| Core capital (leverage) ratio | 8.6469% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6734% | 2,985 |
| Memoranda: |
| Average total assets | $3,177,440,500 | 356 |
| Average earning assets | $3,024,325,500 | 342 |
| Average equity | $255,299,500 | 436 |
| Average total loans | $2,294,521,000 | 328 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8575% | 3,142 |
| Cost of funding earning assets | 0.6196% | 2,184 |
| Net interest margin | 3.2378% | 3,256 |
| Noninterest income to average assets | 0.3470% | 3,387 |
| Noninterest expense to average assets | 1.4068% | 4,833 |
| Loan and lease loss provision to assets | 0.4384% | 652 |
| Net operating income to assets | 1.2426% | 1,406 |
| Return on assets (ROA) | 1.2448% | 1,504 |
| Pretax return on assets | 1.5785% | 1,117 |
| Return on Equity (ROE) | 14.2075% | 762 |
| Retained earnings to average equity (ytd only) | 7.2015% | 1,320 |
| Net charge-offs to loans | -0.0094% | 4,251 |
| Credit loss provision to net charge-offs | -5,970.1493% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1240% | 4,851 |
| Assets per employee ($millions) | 18.7257% | 108 |
| Cash dividends to net income (ytd only)* | 49.3117% | 1,871 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2889% | 2,469 |
| Loan loss allowance to noncurrent loans | 181.7710% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 2,036 |
| Noncurrent loans to loans | 0.7091% | 1,922 |
| Net loans and leases to total assets | 70.8152% | 1,456 |
| Net loans and leases to deposits | 83.3747% | 1,508 |
| Net loans and leases to core deposits | 89.4602% | 1,571 |
| Total domestic deposits to total assets | 84.9361% | 2,789 |
| Equity capital to assets | 7.8684% | 4,754 |
| Core capital (leverage) ratio | 8.8597% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6858% | 2,992 |
| Memoranda: |
| Average total assets | $2,736,943,600 | 371 |
| Average earning assets | $2,598,420,200 | 359 |
| Average equity | $239,796,400 | 437 |
| Average total loans | $2,133,391,800 | 336 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9824% | 3,023 |
| Cost of funding earning assets | 0.7033% | 2,007 |
| Net interest margin | 3.2791% | 3,249 |
| Noninterest income to average assets | 0.3756% | 3,205 |
| Noninterest expense to average assets | 1.4575% | 4,836 |
| Loan and lease loss provision to assets | 0.4063% | 855 |
| Net operating income to assets | 1.2771% | 1,404 |
| Return on assets (ROA) | 1.2803% | 1,506 |
| Pretax return on assets | 1.6308% | 1,101 |
| Return on Equity (ROE) | 14.1750% | 848 |
| Retained earnings to average equity (ytd only) | 7.2590% | 1,599 |
| Net charge-offs to loans | -0.0107% | 4,237 |
| Credit loss provision to net charge-offs | -4,761.9048% | 4,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7559% | 4,857 |
| Assets per employee ($millions) | 16.0305% | 137 |
| Cash dividends to net income (ytd only)* | 48.7902% | 1,547 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1303% | 3,035 |
| Loan loss allowance to noncurrent loans | 142.9383% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 1,821 |
| Noncurrent loans to loans | 0.7908% | 1,844 |
| Net loans and leases to total assets | 80.1225% | 603 |
| Net loans and leases to deposits | 96.6381% | 714 |
| Net loans and leases to core deposits | 105.4063% | 869 |
| Total domestic deposits to total assets | 82.9099% | 3,165 |
| Equity capital to assets | 8.7616% | 4,283 |
| Core capital (leverage) ratio | 9.2992% | 3,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7490% | 2,976 |
| Memoranda: |
| Average total assets | $2,625,335,250 | 375 |
| Average earning assets | $2,493,839,500 | 359 |
| Average equity | $237,125,250 | 434 |
| Average total loans | $2,095,802,000 | 335 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0799% | 3,100 |
| Cost of funding earning assets | 0.8170% | 1,751 |
| Net interest margin | 3.2629% | 3,484 |
| Noninterest income to average assets | 0.3380% | 3,451 |
| Noninterest expense to average assets | 1.4559% | 4,875 |
| Loan and lease loss provision to assets | 0.3106% | 1,389 |
| Net operating income to assets | 1.3089% | 1,334 |
| Return on assets (ROA) | 1.3043% | 1,455 |
| Pretax return on assets | 1.6626% | 1,068 |
| Return on Equity (ROE) | 14.2865% | 830 |
| Retained earnings to average equity (ytd only) | 7.6531% | 1,416 |
| Net charge-offs to loans | -0.0125% | 4,268 |
| Credit loss provision to net charge-offs | -3,125.0000% | 4,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3851% | 4,854 |
| Assets per employee ($millions) | 16.1993% | 135 |
| Cash dividends to net income (ytd only)* | 46.4313% | 1,663 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9712% | 3,705 |
| Loan loss allowance to noncurrent loans | 5,477.6923% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,496 |
| Noncurrent loans to loans | 0.0177% | 4,431 |
| Net loans and leases to total assets | 79.5683% | 641 |
| Net loans and leases to deposits | 96.4763% | 757 |
| Net loans and leases to core deposits | 105.3965% | 918 |
| Total domestic deposits to total assets | 82.4745% | 3,246 |
| Equity capital to assets | 8.6622% | 4,380 |
| Core capital (leverage) ratio | 9.3469% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9898% | 2,974 |
| Memoranda: |
| Average total assets | $2,576,020,333 | 374 |
| Average earning assets | $2,444,985,000 | 362 |
| Average equity | $235,172,667 | 434 |
| Average total loans | $2,045,261,000 | 338 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2713% | 3,002 |
| Cost of funding earning assets | 1.0841% | 1,095 |
| Net interest margin | 3.1872% | 3,891 |
| Noninterest income to average assets | 0.4035% | 3,070 |
| Noninterest expense to average assets | 1.5175% | 4,905 |
| Loan and lease loss provision to assets | 0.1603% | 1,803 |
| Net operating income to assets | 1.3632% | 1,075 |
| Return on assets (ROA) | 1.3625% | 1,158 |
| Pretax return on assets | 1.7416% | 788 |
| Return on Equity (ROE) | 14.5165% | 608 |
| Retained earnings to average equity (ytd only) | 8.0260% | 1,227 |
| Net charge-offs to loans | -0.0197% | 4,334 |
| Credit loss provision to net charge-offs | -1,030.9278% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3663% | 4,871 |
| Assets per employee ($millions) | 14.9832% | 129 |
| Cash dividends to net income (ytd only)* | 44.7111% | 1,766 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9192% | 4,037 |
| Loan loss allowance to noncurrent loans | 3,756.5574% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 4,531 |
| Noncurrent loans to loans | 0.0245% | 4,472 |
| Net loans and leases to total assets | 78.5047% | 903 |
| Net loans and leases to deposits | 97.7110% | 752 |
| Net loans and leases to core deposits | 108.6207% | 916 |
| Total domestic deposits to total assets | 80.3438% | 3,792 |
| Equity capital to assets | 9.1066% | 4,531 |
| Core capital (leverage) ratio | 9.7669% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6807% | 3,189 |
| Memoranda: |
| Average total assets | $2,495,191,000 | 370 |
| Average earning assets | $2,361,802,000 | 358 |
| Average equity | $234,188,000 | 433 |
| Average total loans | $1,968,047,500 | 338 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4009% | 3,248 |
| Cost of funding earning assets | 1.3693% | 617 |
| Net interest margin | 3.0315% | 4,481 |
| Noninterest income to average assets | 0.3517% | 3,597 |
| Noninterest expense to average assets | 1.5930% | 4,953 |
| Loan and lease loss provision to assets | 0.0252% | 3,508 |
| Net operating income to assets | 1.2722% | 1,793 |
| Return on assets (ROA) | 1.2693% | 1,889 |
| Pretax return on assets | 1.5863% | 1,523 |
| Return on Equity (ROE) | 13.1695% | 1,123 |
| Retained earnings to average equity (ytd only) | 4.7982% | 2,535 |
| Net charge-offs to loans | 0.0030% | 3,575 |
| Credit loss provision to net charge-offs | 1,111.1111% | 311 |
| Earnings coverage of net charge-offs (x) | 711.7407% | 145 |
| Efficiency ratio | 49.6548% | 4,747 |
| Assets per employee ($millions) | 14.4632% | 134 |
| Cash dividends to net income (ytd only)* | 63.5656% | 1,413 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8876% | 4,016 |
| Loan loss allowance to noncurrent loans | 3,203.5316% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 4,549 |
| Noncurrent loans to loans | 0.0277% | 4,456 |
| Net loans and leases to total assets | 77.8110% | 1,109 |
| Net loans and leases to deposits | 95.3264% | 1,018 |
| Net loans and leases to core deposits | 108.7570% | 928 |
| Total domestic deposits to total assets | 81.6258% | 3,608 |
| Equity capital to assets | 9.6695% | 4,208 |
| Core capital (leverage) ratio | 9.8285% | 3,697 |
| Tier 1 risk-based capital ratio | 10.9582% | 4,874 |
| Total risk-based capital ratio | 11.7373% | 4,948 |
| Memoranda: |
| Average total assets | $2,379,616,400 | 361 |
| Average earning assets | $2,242,159,200 | 354 |
| Average equity | $229,355,800 | 424 |
| Average total loans | $1,808,354,200 | 352 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4279% | 3,271 |
| Cost of funding earning assets | 1.4066% | 568 |
| Net interest margin | 3.0214% | 4,596 |
| Noninterest income to average assets | 0.3572% | 3,590 |
| Noninterest expense to average assets | 1.6093% | 4,995 |
| Loan and lease loss provision to assets | 0.0170% | 3,574 |
| Net operating income to assets | 1.2618% | 1,977 |
| Return on assets (ROA) | 1.2589% | 2,072 |
| Pretax return on assets | 1.5690% | 1,741 |
| Return on Equity (ROE) | 13.0728% | 1,257 |
| Retained earnings to average equity (ytd only) | 4.0239% | 3,385 |
| Net charge-offs to loans | -0.0040% | 4,154 |
| Credit loss provision to net charge-offs | -566.0377% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3078% | 4,724 |
| Assets per employee ($millions) | 13.9565% | 146 |
| Cash dividends to net income (ytd only)* | 69.2197% | 978 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9278% | 3,932 |
| Loan loss allowance to noncurrent loans | 3,271.0173% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 4,638 |
| Noncurrent loans to loans | 0.0284% | 4,544 |
| Net loans and leases to total assets | 74.0809% | 1,805 |
| Net loans and leases to deposits | 89.7060% | 1,735 |
| Net loans and leases to core deposits | 102.4806% | 1,458 |
| Total domestic deposits to total assets | 82.5819% | 3,289 |
| Equity capital to assets | 9.4346% | 4,508 |
| Core capital (leverage) ratio | 9.7123% | 3,955 |
| Tier 1 risk-based capital ratio | 11.1900% | 4,828 |
| Total risk-based capital ratio | 11.9931% | 4,916 |
| Memoranda: |
| Average total assets | $2,356,218,250 | 365 |
| Average earning assets | $2,216,116,000 | 359 |
| Average equity | $226,908,000 | 428 |
| Average total loans | $1,775,027,000 | 361 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3914% | 3,357 |
| Cost of funding earning assets | 1.3965% | 544 |
| Net interest margin | 2.9949% | 4,704 |
| Noninterest income to average assets | 0.3586% | 3,533 |
| Noninterest expense to average assets | 1.6365% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2416% | 1,999 |
| Return on assets (ROA) | 1.2370% | 2,072 |
| Pretax return on assets | 1.5342% | 1,744 |
| Return on Equity (ROE) | 12.7540% | 1,318 |
| Retained earnings to average equity (ytd only) | 2.4563% | 3,960 |
| Net charge-offs to loans | -0.0055% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5221% | 4,684 |
| Assets per employee ($millions) | 13.4991% | 145 |
| Cash dividends to net income (ytd only)* | 80.7406% | 810 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9336% | 3,949 |
| Loan loss allowance to noncurrent loans | 1,065.3724% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 4,418 |
| Noncurrent loans to loans | 0.0876% | 4,288 |
| Net loans and leases to total assets | 75.1788% | 1,693 |
| Net loans and leases to deposits | 90.1607% | 1,720 |
| Net loans and leases to core deposits | 102.9009% | 1,477 |
| Total domestic deposits to total assets | 83.3832% | 3,081 |
| Equity capital to assets | 9.7047% | 4,230 |
| Core capital (leverage) ratio | 9.9588% | 3,630 |
| Tier 1 risk-based capital ratio | 11.2260% | 4,820 |
| Total risk-based capital ratio | 12.0338% | 4,911 |
| Memoranda: |
| Average total assets | $2,322,840,670 | 371 |
| Average earning assets | $2,185,439,000 | 361 |
| Average equity | $225,294,670 | 430 |
| Average total loans | $1,754,459,330 | 367 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3706% | 3,338 |
| Cost of funding earning assets | 1.3590% | 527 |
| Net interest margin | 3.0116% | 4,736 |
| Noninterest income to average assets | 0.3817% | 3,312 |
| Noninterest expense to average assets | 1.6274% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2863% | 1,751 |
| Return on assets (ROA) | 1.2739% | 1,847 |
| Pretax return on assets | 1.5695% | 1,548 |
| Return on Equity (ROE) | 13.1385% | 1,169 |
| Retained earnings to average equity (ytd only) | 2.7495% | 3,838 |
| Net charge-offs to loans | -0.0111% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6623% | 4,779 |
| Assets per employee ($millions) | 13.2817% | 157 |
| Cash dividends to net income (ytd only)* | 79.0729% | 947 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9570% | 3,943 |
| Loan loss allowance to noncurrent loans | 876.7417% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,390 |
| Noncurrent loans to loans | 0.1092% | 4,244 |
| Net loans and leases to total assets | 74.9493% | 1,651 |
| Net loans and leases to deposits | 90.5855% | 1,556 |
| Net loans and leases to core deposits | 100.4674% | 1,579 |
| Total domestic deposits to total assets | 82.7387% | 3,489 |
| Equity capital to assets | 9.7389% | 4,054 |
| Core capital (leverage) ratio | 10.0200% | 3,583 |
| Tier 1 risk-based capital ratio | 11.1402% | 4,915 |
| Total risk-based capital ratio | 11.9488% | 5,009 |
| Memoranda: |
| Average total assets | $2,303,090,000 | 376 |
| Average earning assets | $2,164,542,500 | 365 |
| Average equity | $223,313,000 | 431 |
| Average total loans | $1,735,330,000 | 374 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1349% | 3,637 |
| Cost of funding earning assets | 1.0196% | 703 |
| Net interest margin | 3.1153% | 4,625 |
| Noninterest income to average assets | 0.3673% | 3,644 |
| Noninterest expense to average assets | 1.5861% | 5,172 |
| Loan and lease loss provision to assets | -0.0115% | 5,113 |
| Net operating income to assets | 1.4035% | 1,424 |
| Return on assets (ROA) | 1.3937% | 1,448 |
| Pretax return on assets | 1.7209% | 1,112 |
| Return on Equity (ROE) | 13.9307% | 1,064 |
| Retained earnings to average equity (ytd only) | 3.6720% | 3,563 |
| Net charge-offs to loans | -0.0323% | 4,838 |
| Credit loss provision to net charge-offs | 49.1159% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9524% | 5,047 |
| Assets per employee ($millions) | 14.0807% | 122 |
| Cash dividends to net income (ytd only)* | 73.6411% | 925 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9693% | 3,868 |
| Loan loss allowance to noncurrent loans | 830.7118% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 4,380 |
| Noncurrent loans to loans | 0.1167% | 4,200 |
| Net loans and leases to total assets | 74.2929% | 1,890 |
| Net loans and leases to deposits | 89.8208% | 1,823 |
| Net loans and leases to core deposits | 99.9171% | 1,722 |
| Total domestic deposits to total assets | 82.7123% | 3,423 |
| Equity capital to assets | 9.6533% | 4,005 |
| Core capital (leverage) ratio | 10.2572% | 3,297 |
| Tier 1 risk-based capital ratio | 11.2474% | 4,838 |
| Total risk-based capital ratio | 12.0661% | 4,948 |
| Memoranda: |
| Average total assets | $2,172,737,000 | 388 |
| Average earning assets | $2,050,651,800 | 380 |
| Average equity | $217,376,000 | 424 |
| Average total loans | $1,573,966,800 | 391 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0978% | 3,638 |
| Cost of funding earning assets | 0.9482% | 756 |
| Net interest margin | 3.1496% | 4,616 |
| Noninterest income to average assets | 0.3814% | 3,593 |
| Noninterest expense to average assets | 1.5806% | 5,225 |
| Loan and lease loss provision to assets | -0.0156% | 5,228 |
| Net operating income to assets | 1.4144% | 1,438 |
| Return on assets (ROA) | 1.4093% | 1,448 |
| Pretax return on assets | 1.7850% | 1,045 |
| Return on Equity (ROE) | 13.9555% | 1,135 |
| Retained earnings to average equity (ytd only) | 3.7861% | 3,884 |
| Net charge-offs to loans | -0.0428% | 4,874 |
| Credit loss provision to net charge-offs | 50.7099% | 2,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0913% | 5,095 |
| Assets per employee ($millions) | 13.2299% | 148 |
| Cash dividends to net income (ytd only)* | 72.8702% | 769 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0415% | 3,520 |
| Loan loss allowance to noncurrent loans | 903.1961% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 4,548 |
| Noncurrent loans to loans | 0.1153% | 4,374 |
| Net loans and leases to total assets | 73.0119% | 2,165 |
| Net loans and leases to deposits | 85.9551% | 2,374 |
| Net loans and leases to core deposits | 95.6011% | 2,155 |
| Total domestic deposits to total assets | 84.9420% | 2,628 |
| Equity capital to assets | 9.9919% | 3,656 |
| Core capital (leverage) ratio | 10.2057% | 3,404 |
| Tier 1 risk-based capital ratio | 11.8050% | 4,601 |
| Total risk-based capital ratio | 12.6732% | 4,716 |
| Memoranda: |
| Average total assets | $2,142,131,250 | 395 |
| Average earning assets | $2,023,382,000 | 382 |
| Average equity | $216,330,250 | 423 |
| Average total loans | $1,537,001,000 | 394 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0012% | 3,783 |
| Cost of funding earning assets | 0.8576% | 887 |
| Net interest margin | 3.1436% | 4,635 |
| Noninterest income to average assets | 0.3699% | 3,687 |
| Noninterest expense to average assets | 1.5893% | 5,275 |
| Loan and lease loss provision to assets | 0.0141% | 3,594 |
| Net operating income to assets | 1.4147% | 1,380 |
| Return on assets (ROA) | 1.4128% | 1,390 |
| Pretax return on assets | 1.7307% | 1,138 |
| Return on Equity (ROE) | 13.9396% | 1,087 |
| Retained earnings to average equity (ytd only) | 4.0402% | 3,593 |
| Net charge-offs to loans | 0.0082% | 2,833 |
| Credit loss provision to net charge-offs | 241.9355% | 1,167 |
| Earnings coverage of net charge-offs (x) | 300.5161% | 305 |
| Efficiency ratio | 47.6350% | 5,134 |
| Assets per employee ($millions) | 13.1459% | 144 |
| Cash dividends to net income (ytd only)* | 71.0161% | 963 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0765% | 3,403 |
| Loan loss allowance to noncurrent loans | 776.5867% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 4,524 |
| Noncurrent loans to loans | 0.1386% | 4,280 |
| Net loans and leases to total assets | 69.1407% | 2,702 |
| Net loans and leases to deposits | 80.0771% | 2,936 |
| Net loans and leases to core deposits | 87.6030% | 2,758 |
| Total domestic deposits to total assets | 86.3427% | 2,121 |
| Equity capital to assets | 9.8753% | 3,745 |
| Core capital (leverage) ratio | 10.4249% | 3,108 |
| Tier 1 risk-based capital ratio | 12.0451% | 4,466 |
| Total risk-based capital ratio | 12.9326% | 4,580 |
| Memoranda: |
| Average total assets | $2,132,939,670 | 397 |
| Average earning assets | $2,012,746,330 | 385 |
| Average equity | $216,175,330 | 422 |
| Average total loans | $1,515,729,000 | 395 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9802% | 3,690 |
| Cost of funding earning assets | 0.7811% | 1,036 |
| Net interest margin | 3.1991% | 4,462 |
| Noninterest income to average assets | 0.3626% | 3,718 |
| Noninterest expense to average assets | 1.5420% | 5,362 |
| Loan and lease loss provision to assets | 0.0285% | 3,139 |
| Net operating income to assets | 1.4957% | 1,092 |
| Return on assets (ROA) | 1.4957% | 1,100 |
| Pretax return on assets | 1.8101% | 892 |
| Return on Equity (ROE) | 14.5628% | 885 |
| Retained earnings to average equity (ytd only) | 5.6684% | 2,861 |
| Net charge-offs to loans | 0.0305% | 1,887 |
| Credit loss provision to net charge-offs | 130.4348% | 1,333 |
| Earnings coverage of net charge-offs (x) | 84.0087% | 684 |
| Efficiency ratio | 45.6117% | 5,294 |
| Assets per employee ($millions) | 12.8242% | 159 |
| Cash dividends to net income (ytd only)* | 61.0765% | 1,224 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0960% | 3,409 |
| Loan loss allowance to noncurrent loans | 781.4428% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,583 |
| Noncurrent loans to loans | 0.1403% | 4,337 |
| Net loans and leases to total assets | 71.0801% | 2,318 |
| Net loans and leases to deposits | 85.3291% | 2,258 |
| Net loans and leases to core deposits | 120.0275% | 586 |
| Total domestic deposits to total assets | 83.3011% | 3,582 |
| Equity capital to assets | 10.2871% | 3,299 |
| Core capital (leverage) ratio | 10.5372% | 2,903 |
| Tier 1 risk-based capital ratio | 12.1031% | 4,494 |
| Total risk-based capital ratio | 13.0002% | 4,592 |
| Memoranda: |
| Average total assets | $2,101,731,000 | 407 |
| Average earning assets | $1,982,794,000 | 395 |
| Average equity | $215,864,500 | 427 |
| Average total loans | $1,506,391,500 | 400 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9792% | 3,475 |
| Cost of funding earning assets | 0.6298% | 1,416 |
| Net interest margin | 3.3494% | 4,012 |
| Noninterest income to average assets | 0.4257% | 3,469 |
| Noninterest expense to average assets | 1.6336% | 5,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2175% | 1,459 |
| Return on assets (ROA) | 1.2283% | 1,450 |
| Pretax return on assets | 1.9637% | 530 |
| Return on Equity (ROE) | 12.0686% | 1,195 |
| Retained earnings to average equity (ytd only) | 3.5969% | 3,110 |
| Net charge-offs to loans | -0.0219% | 4,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6234% | 5,404 |
| Assets per employee ($millions) | 13.0439% | 141 |
| Cash dividends to net income (ytd only)* | 70.1960% | 1,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0877% | 3,421 |
| Loan loss allowance to noncurrent loans | 2,641.4791% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,999 |
| Noncurrent loans to loans | 0.0412% | 4,822 |
| Net loans and leases to total assets | 70.7045% | 2,415 |
| Net loans and leases to deposits | 82.3660% | 2,686 |
| Net loans and leases to core deposits | 118.1247% | 648 |
| Total domestic deposits to total assets | 85.8419% | 2,512 |
| Equity capital to assets | 10.2547% | 3,428 |
| Core capital (leverage) ratio | 10.5246% | 2,823 |
| Tier 1 risk-based capital ratio | 11.9220% | 4,585 |
| Total risk-based capital ratio | 12.8158% | 4,708 |
| Memoranda: |
| Average total assets | $1,948,541,800 | 419 |
| Average earning assets | $1,835,395,200 | 406 |
| Average equity | $198,308,200 | 441 |
| Average total loans | $1,449,877,800 | 402 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9751% | 3,443 |
| Cost of funding earning assets | 0.5945% | 1,568 |
| Net interest margin | 3.3806% | 3,916 |
| Noninterest income to average assets | 0.4402% | 3,401 |
| Noninterest expense to average assets | 1.6781% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3498% | 1,198 |
| Return on assets (ROA) | 1.3702% | 1,172 |
| Pretax return on assets | 1.9731% | 577 |
| Return on Equity (ROE) | 13.4919% | 935 |
| Retained earnings to average equity (ytd only) | 5.0947% | 2,813 |
| Net charge-offs to loans | -0.0229% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3347% | 5,408 |
| Assets per employee ($millions) | 12.6049% | 156 |
| Cash dividends to net income (ytd only)* | 62.2385% | 1,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1228% | 3,363 |
| Loan loss allowance to noncurrent loans | 3,164.0232% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 5,119 |
| Noncurrent loans to loans | 0.0355% | 4,958 |
| Net loans and leases to total assets | 70.9846% | 2,411 |
| Net loans and leases to deposits | 87.0783% | 2,175 |
| Net loans and leases to core deposits | 114.0416% | 837 |
| Total domestic deposits to total assets | 81.5181% | 3,914 |
| Equity capital to assets | 10.7566% | 3,112 |
| Core capital (leverage) ratio | 11.1169% | 2,354 |
| Tier 1 risk-based capital ratio | 12.2637% | 4,461 |
| Total risk-based capital ratio | 13.1809% | 4,553 |
| Memoranda: |
| Average total assets | $1,907,397,750 | 430 |
| Average earning assets | $1,795,035,250 | 418 |
| Average equity | $193,712,000 | 451 |
| Average total loans | $1,434,722,250 | 407 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9803% | 3,279 |
| Cost of funding earning assets | 0.5591% | 1,716 |
| Net interest margin | 3.4213% | 3,690 |
| Noninterest income to average assets | 0.4539% | 3,326 |
| Noninterest expense to average assets | 1.7231% | 5,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3626% | 1,145 |
| Return on assets (ROA) | 1.3795% | 1,137 |
| Pretax return on assets | 1.9742% | 556 |
| Return on Equity (ROE) | 13.8811% | 830 |
| Retained earnings to average equity (ytd only) | 5.6878% | 2,304 |
| Net charge-offs to loans | -0.0524% | 5,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9111% | 5,441 |
| Assets per employee ($millions) | 11.8316% | 183 |
| Cash dividends to net income (ytd only)* | 59.0245% | 1,539 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1485% | 3,324 |
| Loan loss allowance to noncurrent loans | 2,017.8703% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 5,069 |
| Noncurrent loans to loans | 0.0569% | 4,903 |
| Net loans and leases to total assets | 74.0274% | 1,860 |
| Net loans and leases to deposits | 89.9063% | 1,740 |
| Net loans and leases to core deposits | 116.9450% | 684 |
| Total domestic deposits to total assets | 82.3385% | 3,790 |
| Equity capital to assets | 11.2912% | 2,500 |
| Core capital (leverage) ratio | 11.3056% | 2,123 |
| Tier 1 risk-based capital ratio | 12.1475% | 4,531 |
| Total risk-based capital ratio | 13.0749% | 4,632 |
| Memoranda: |
| Average total assets | $1,866,736,670 | 436 |
| Average earning assets | $1,756,479,330 | 424 |
| Average equity | $185,518,330 | 464 |
| Average total loans | $1,427,328,000 | 406 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8630% | 3,539 |
| Cost of funding earning assets | 0.4965% | 2,121 |
| Net interest margin | 3.3666% | 3,780 |
| Noninterest income to average assets | 0.4685% | 3,199 |
| Noninterest expense to average assets | 1.7303% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3668% | 1,069 |
| Return on assets (ROA) | 1.3663% | 1,108 |
| Pretax return on assets | 1.9156% | 602 |
| Return on Equity (ROE) | 14.7964% | 676 |
| Retained earnings to average equity (ytd only) | 5.8588% | 2,405 |
| Net charge-offs to loans | -0.0885% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4509% | 5,488 |
| Assets per employee ($millions) | 11.2723% | 206 |
| Cash dividends to net income (ytd only)* | 60.4038% | 1,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1355% | 3,488 |
| Loan loss allowance to noncurrent loans | 1,785.5435% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 5,104 |
| Noncurrent loans to loans | 0.0636% | 4,946 |
| Net loans and leases to total assets | 77.3704% | 1,219 |
| Net loans and leases to deposits | 93.3626% | 1,179 |
| Net loans and leases to core deposits | 119.4177% | 474 |
| Total domestic deposits to total assets | 82.8709% | 3,896 |
| Equity capital to assets | 9.2951% | 4,520 |
| Core capital (leverage) ratio | 9.4694% | 4,151 |
| Tier 1 risk-based capital ratio | 9.8899% | 5,722 |
| Total risk-based capital ratio | 10.8320% | 5,751 |
| Memoranda: |
| Average total assets | $1,841,749,000 | 446 |
| Average earning assets | $1,738,627,500 | 432 |
| Average equity | $170,068,000 | 492 |
| Average total loans | $1,423,302,500 | 409 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8722% | 3,675 |
| Cost of funding earning assets | 0.4173% | 2,834 |
| Net interest margin | 3.4549% | 3,605 |
| Noninterest income to average assets | 0.4414% | 3,606 |
| Noninterest expense to average assets | 1.7325% | 5,533 |
| Loan and lease loss provision to assets | 0.0559% | 3,263 |
| Net operating income to assets | 1.3142% | 1,182 |
| Return on assets (ROA) | 1.3168% | 1,230 |
| Pretax return on assets | 1.9000% | 620 |
| Return on Equity (ROE) | 14.2427% | 738 |
| Retained earnings to average equity (ytd only) | 5.5316% | 1,997 |
| Net charge-offs to loans | -0.0108% | 4,956 |
| Credit loss provision to net charge-offs | -689.6552% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0182% | 5,608 |
| Assets per employee ($millions) | 11.1203% | 217 |
| Cash dividends to net income (ytd only)* | 61.1621% | 1,724 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1510% | 3,425 |
| Loan loss allowance to noncurrent loans | 1,576.5166% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 5,116 |
| Noncurrent loans to loans | 0.0730% | 4,948 |
| Net loans and leases to total assets | 75.4154% | 1,614 |
| Net loans and leases to deposits | 89.2488% | 1,774 |
| Net loans and leases to core deposits | 112.5616% | 755 |
| Total domestic deposits to total assets | 84.5002% | 3,236 |
| Equity capital to assets | 9.1725% | 4,614 |
| Core capital (leverage) ratio | 9.3401% | 4,296 |
| Tier 1 risk-based capital ratio | 10.0836% | 5,715 |
| Total risk-based capital ratio | 11.0393% | 5,757 |
| Memoranda: |
| Average total assets | $1,787,977,800 | 435 |
| Average earning assets | $1,678,471,200 | 424 |
| Average equity | $165,305,400 | 487 |
| Average total loans | $1,337,044,600 | 407 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8761% | 3,666 |
| Cost of funding earning assets | 0.4073% | 2,955 |
| Net interest margin | 3.4688% | 3,592 |
| Noninterest income to average assets | 0.4484% | 3,571 |
| Noninterest expense to average assets | 1.7618% | 5,564 |
| Loan and lease loss provision to assets | 0.0676% | 2,868 |
| Net operating income to assets | 1.3020% | 1,287 |
| Return on assets (ROA) | 1.3052% | 1,366 |
| Pretax return on assets | 1.8768% | 748 |
| Return on Equity (ROE) | 14.0884% | 808 |
| Retained earnings to average equity (ytd only) | 5.4999% | 2,482 |
| Net charge-offs to loans | -0.0092% | 4,750 |
| Credit loss provision to net charge-offs | -989.0110% | 5,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5950% | 5,607 |
| Assets per employee ($millions) | 10.8897% | 221 |
| Cash dividends to net income (ytd only)* | 60.9616% | 1,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1540% | 3,521 |
| Loan loss allowance to noncurrent loans | 1,591.0269% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 5,236 |
| Noncurrent loans to loans | 0.0725% | 5,059 |
| Net loans and leases to total assets | 75.6178% | 1,593 |
| Net loans and leases to deposits | 91.3461% | 1,591 |
| Net loans and leases to core deposits | 117.0305% | 611 |
| Total domestic deposits to total assets | 82.7816% | 3,675 |
| Equity capital to assets | 9.3702% | 4,793 |
| Core capital (leverage) ratio | 9.2038% | 4,581 |
| Tier 1 risk-based capital ratio | 10.0948% | 5,763 |
| Total risk-based capital ratio | 11.0580% | 5,812 |
| Memoranda: |
| Average total assets | $1,776,260,250 | 436 |
| Average earning assets | $1,665,857,250 | 428 |
| Average equity | $164,556,250 | 490 |
| Average total loans | $1,321,338,250 | 410 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8368% | 3,822 |
| Cost of funding earning assets | 0.4007% | 3,039 |
| Net interest margin | 3.4361% | 3,736 |
| Noninterest income to average assets | 0.4600% | 3,459 |
| Noninterest expense to average assets | 1.7546% | 5,640 |
| Loan and lease loss provision to assets | 0.0793% | 2,554 |
| Net operating income to assets | 1.2947% | 1,281 |
| Return on assets (ROA) | 1.2995% | 1,380 |
| Pretax return on assets | 1.8518% | 784 |
| Return on Equity (ROE) | 14.0819% | 817 |
| Retained earnings to average equity (ytd only) | 5.7356% | 2,275 |
| Net charge-offs to loans | -0.0249% | 5,043 |
| Credit loss provision to net charge-offs | -432.0988% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6940% | 5,684 |
| Assets per employee ($millions) | 10.4988% | 240 |
| Cash dividends to net income (ytd only)* | 59.2696% | 1,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1463% | 3,679 |
| Loan loss allowance to noncurrent loans | 1,511.8434% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0576% | 5,328 |
| Noncurrent loans to loans | 0.0758% | 5,147 |
| Net loans and leases to total assets | 75.1538% | 1,623 |
| Net loans and leases to deposits | 89.9998% | 1,756 |
| Net loans and leases to core deposits | 112.6490% | 784 |
| Total domestic deposits to total assets | 83.5044% | 3,463 |
| Equity capital to assets | 9.1644% | 5,101 |
| Core capital (leverage) ratio | 9.2364% | 4,535 |
| Tier 1 risk-based capital ratio | 9.8722% | 5,882 |
| Total risk-based capital ratio | 10.8208% | 5,917 |
| Memoranda: |
| Average total assets | $1,765,782,670 | 437 |
| Average earning assets | $1,654,126,330 | 429 |
| Average equity | $162,947,000 | 497 |
| Average total loans | $1,300,819,330 | 414 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8215% | 3,870 |
| Cost of funding earning assets | 0.3921% | 3,166 |
| Net interest margin | 3.4294% | 3,766 |
| Noninterest income to average assets | 0.5111% | 3,041 |
| Noninterest expense to average assets | 1.7703% | 5,681 |
| Loan and lease loss provision to assets | 0.0460% | 2,999 |
| Net operating income to assets | 1.3534% | 1,128 |
| Return on assets (ROA) | 1.3534% | 1,197 |
| Pretax return on assets | 1.8964% | 697 |
| Return on Equity (ROE) | 14.6134% | 726 |
| Retained earnings to average equity (ytd only) | 7.1690% | 1,810 |
| Net charge-offs to loans | -0.0359% | 5,150 |
| Credit loss provision to net charge-offs | -176.9912% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6818% | 5,738 |
| Assets per employee ($millions) | 10.1230% | 260 |
| Cash dividends to net income (ytd only)* | 50.9424% | 1,718 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1985% | 3,489 |
| Loan loss allowance to noncurrent loans | 1,188.1804% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 5,289 |
| Noncurrent loans to loans | 0.1009% | 5,067 |
| Net loans and leases to total assets | 72.3454% | 1,978 |
| Net loans and leases to deposits | 86.6811% | 1,986 |
| Net loans and leases to core deposits | 107.5156% | 991 |
| Total domestic deposits to total assets | 83.4615% | 3,726 |
| Equity capital to assets | 9.3817% | 4,792 |
| Core capital (leverage) ratio | 9.3901% | 4,361 |
| Tier 1 risk-based capital ratio | 10.2256% | 5,856 |
| Total risk-based capital ratio | 11.1880% | 5,891 |
| Memoranda: |
| Average total assets | $1,740,528,000 | 447 |
| Average earning assets | $1,624,894,000 | 433 |
| Average equity | $161,194,000 | 499 |
| Average total loans | $1,260,808,500 | 421 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8530% | 3,872 |
| Cost of funding earning assets | 0.3239% | 3,975 |
| Net interest margin | 3.5291% | 3,416 |
| Noninterest income to average assets | 0.4874% | 3,414 |
| Noninterest expense to average assets | 1.7765% | 5,767 |
| Loan and lease loss provision to assets | 0.0509% | 3,304 |
| Net operating income to assets | 1.3487% | 1,156 |
| Return on assets (ROA) | 1.3507% | 1,189 |
| Pretax return on assets | 1.9632% | 581 |
| Return on Equity (ROE) | 14.6216% | 746 |
| Retained earnings to average equity (ytd only) | 5.6071% | 2,014 |
| Net charge-offs to loans | -0.0420% | 5,507 |
| Credit loss provision to net charge-offs | -166.6667% | 5,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8993% | 5,881 |
| Assets per employee ($millions) | 9.9994% | 276 |
| Cash dividends to net income (ytd only)* | 61.6517% | 1,657 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2005% | 3,479 |
| Loan loss allowance to noncurrent loans | 1,083.7799% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 5,311 |
| Noncurrent loans to loans | 0.1108% | 5,058 |
| Net loans and leases to total assets | 70.7928% | 2,250 |
| Net loans and leases to deposits | 84.6891% | 2,279 |
| Net loans and leases to core deposits | 101.5029% | 1,403 |
| Total domestic deposits to total assets | 83.5914% | 3,641 |
| Equity capital to assets | 9.1407% | 4,978 |
| Core capital (leverage) ratio | 9.1975% | 4,621 |
| Tier 1 risk-based capital ratio | 10.3483% | 5,842 |
| Total risk-based capital ratio | 11.3206% | 5,870 |
| Memoranda: |
| Average total assets | $1,669,224,200 | 436 |
| Average earning assets | $1,561,049,400 | 422 |
| Average equity | $154,196,400 | 494 |
| Average total loans | $1,214,684,400 | 410 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8355% | 3,978 |
| Cost of funding earning assets | 0.3237% | 4,065 |
| Net interest margin | 3.5119% | 3,493 |
| Noninterest income to average assets | 0.4565% | 3,664 |
| Noninterest expense to average assets | 1.7851% | 5,792 |
| Loan and lease loss provision to assets | 0.0323% | 3,592 |
| Net operating income to assets | 1.3229% | 1,284 |
| Return on assets (ROA) | 1.3255% | 1,335 |
| Pretax return on assets | 1.9313% | 681 |
| Return on Equity (ROE) | 14.3094% | 840 |
| Retained earnings to average equity (ytd only) | 4.8099% | 3,045 |
| Net charge-offs to loans | -0.0722% | 5,671 |
| Credit loss provision to net charge-offs | -61.2557% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6675% | 5,885 |
| Assets per employee ($millions) | 9.8435% | 288 |
| Cash dividends to net income (ytd only)* | 66.3865% | 1,156 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1822% | 3,755 |
| Loan loss allowance to noncurrent loans | 1,013.8313% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 5,415 |
| Noncurrent loans to loans | 0.1166% | 5,164 |
| Net loans and leases to total assets | 71.1352% | 2,209 |
| Net loans and leases to deposits | 87.5210% | 1,969 |
| Net loans and leases to core deposits | 109.9847% | 877 |
| Total domestic deposits to total assets | 81.2778% | 4,402 |
| Equity capital to assets | 9.0631% | 5,252 |
| Core capital (leverage) ratio | 9.3586% | 4,504 |
| Tier 1 risk-based capital ratio | 10.2052% | 5,978 |
| Total risk-based capital ratio | 11.1642% | 6,029 |
| Memoranda: |
| Average total assets | $1,651,556,250 | 443 |
| Average earning assets | $1,546,442,000 | 430 |
| Average equity | $152,986,000 | 500 |
| Average total loans | $1,206,683,500 | 417 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8571% | 3,839 |
| Cost of funding earning assets | 0.3352% | 3,981 |
| Net interest margin | 3.5219% | 3,408 |
| Noninterest income to average assets | 0.4577% | 3,648 |
| Noninterest expense to average assets | 1.7994% | 5,852 |
| Loan and lease loss provision to assets | 0.0246% | 3,646 |
| Net operating income to assets | 1.3234% | 1,255 |
| Return on assets (ROA) | 1.3274% | 1,294 |
| Pretax return on assets | 1.9309% | 690 |
| Return on Equity (ROE) | 14.2213% | 860 |
| Retained earnings to average equity (ytd only) | 4.7439% | 3,029 |
| Net charge-offs to loans | -0.0932% | 5,763 |
| Credit loss provision to net charge-offs | -35.9066% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9961% | 5,963 |
| Assets per employee ($millions) | 9.5044% | 313 |
| Cash dividends to net income (ytd only)* | 66.6420% | 1,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1799% | 3,905 |
| Loan loss allowance to noncurrent loans | 499.0966% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 5,172 |
| Noncurrent loans to loans | 0.2364% | 4,819 |
| Net loans and leases to total assets | 73.1644% | 1,792 |
| Net loans and leases to deposits | 87.1555% | 1,924 |
| Net loans and leases to core deposits | 107.9932% | 953 |
| Total domestic deposits to total assets | 83.9470% | 3,591 |
| Equity capital to assets | 9.3195% | 4,876 |
| Core capital (leverage) ratio | 9.3583% | 4,477 |
| Tier 1 risk-based capital ratio | 10.3793% | 5,961 |
| Total risk-based capital ratio | 11.3491% | 6,005 |
| Memoranda: |
| Average total assets | $1,627,873,330 | 446 |
| Average earning assets | $1,521,352,670 | 435 |
| Average equity | $151,941,000 | 504 |
| Average total loans | $1,195,565,330 | 420 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8173% | 3,944 |
| Cost of funding earning assets | 0.3478% | 3,883 |
| Net interest margin | 3.4695% | 3,556 |
| Noninterest income to average assets | 0.4554% | 3,601 |
| Noninterest expense to average assets | 1.8004% | 5,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3172% | 1,220 |
| Return on assets (ROA) | 1.3190% | 1,301 |
| Pretax return on assets | 1.9172% | 693 |
| Return on Equity (ROE) | 14.1209% | 856 |
| Retained earnings to average equity (ytd only) | 5.1318% | 2,981 |
| Net charge-offs to loans | -0.0915% | 5,817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4643% | 5,994 |
| Assets per employee ($millions) | 9.5807% | 293 |
| Cash dividends to net income (ytd only)* | 63.6585% | 1,328 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1717% | 4,137 |
| Loan loss allowance to noncurrent loans | 871.7337% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 5,557 |
| Noncurrent loans to loans | 0.1344% | 5,298 |
| Net loans and leases to total assets | 71.4503% | 1,904 |
| Net loans and leases to deposits | 84.9814% | 1,953 |
| Net loans and leases to core deposits | 112.4025% | 631 |
| Total domestic deposits to total assets | 84.0775% | 3,795 |
| Equity capital to assets | 9.3149% | 4,946 |
| Core capital (leverage) ratio | 9.4321% | 4,375 |
| Tier 1 risk-based capital ratio | 10.6338% | 5,969 |
| Total risk-based capital ratio | 11.6063% | 6,010 |
| Memoranda: |
| Average total assets | $1,619,679,000 | 447 |
| Average earning assets | $1,521,602,500 | 432 |
| Average equity | $151,293,000 | 506 |
| Average total loans | $1,184,659,000 | 422 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9373% | 3,983 |
| Cost of funding earning assets | 0.3635% | 4,102 |
| Net interest margin | 3.5739% | 3,500 |
| Noninterest income to average assets | 0.5501% | 3,178 |
| Noninterest expense to average assets | 1.9603% | 5,840 |
| Loan and lease loss provision to assets | 0.0497% | 3,574 |
| Net operating income to assets | 1.2771% | 1,357 |
| Return on assets (ROA) | 1.3093% | 1,334 |
| Pretax return on assets | 1.9114% | 622 |
| Return on Equity (ROE) | 13.5765% | 1,020 |
| Retained earnings to average equity (ytd only) | 4.8565% | 2,710 |
| Net charge-offs to loans | 0.0871% | 3,245 |
| Credit loss provision to net charge-offs | 80.2998% | 2,858 |
| Earnings coverage of net charge-offs (x) | 30.9422% | 1,305 |
| Efficiency ratio | 50.6017% | 6,059 |
| Assets per employee ($millions) | 8.9947% | 344 |
| Cash dividends to net income (ytd only)* | 64.2290% | 1,549 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1484% | 4,296 |
| Loan loss allowance to noncurrent loans | 871.6848% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 5,637 |
| Noncurrent loans to loans | 0.1317% | 5,373 |
| Net loans and leases to total assets | 73.1556% | 1,732 |
| Net loans and leases to deposits | 91.5584% | 1,338 |
| Net loans and leases to core deposits | 123.6373% | 326 |
| Total domestic deposits to total assets | 79.9005% | 5,049 |
| Equity capital to assets | 9.3675% | 4,889 |
| Core capital (leverage) ratio | 9.6231% | 4,067 |
| Tier 1 risk-based capital ratio | 11.1781% | 5,831 |
| Total risk-based capital ratio | 12.1946% | 5,860 |
| Memoranda: |
| Average total assets | $1,510,192,800 | 459 |
| Average earning assets | $1,404,524,200 | 450 |
| Average equity | $145,641,000 | 505 |
| Average total loans | $1,072,090,000 | 431 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9516% | 3,957 |
| Cost of funding earning assets | 0.3706% | 4,123 |
| Net interest margin | 3.5809% | 3,503 |
| Noninterest income to average assets | 0.6070% | 2,821 |
| Noninterest expense to average assets | 1.9679% | 5,822 |
| Loan and lease loss provision to assets | 0.0224% | 3,958 |
| Net operating income to assets | 1.3166% | 1,326 |
| Return on assets (ROA) | 1.3602% | 1,266 |
| Pretax return on assets | 2.0004% | 569 |
| Return on Equity (ROE) | 13.9965% | 986 |
| Retained earnings to average equity (ytd only) | 5.4187% | 2,816 |
| Net charge-offs to loans | 0.0889% | 2,939 |
| Credit loss provision to net charge-offs | 35.9195% | 3,353 |
| Earnings coverage of net charge-offs (x) | 31.3950% | 1,326 |
| Efficiency ratio | 50.1187% | 6,095 |
| Assets per employee ($millions) | 8.1506% | 486 |
| Cash dividends to net income (ytd only)* | 61.2850% | 1,331 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2317% | 4,061 |
| Loan loss allowance to noncurrent loans | 689.3079% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 5,574 |
| Noncurrent loans to loans | 0.1787% | 5,378 |
| Net loans and leases to total assets | 70.9664% | 2,031 |
| Net loans and leases to deposits | 88.3445% | 1,627 |
| Net loans and leases to core deposits | 118.2922% | 427 |
| Total domestic deposits to total assets | 80.3292% | 5,002 |
| Equity capital to assets | 9.8819% | 4,318 |
| Core capital (leverage) ratio | 9.8698% | 3,854 |
| Tier 1 risk-based capital ratio | 11.9878% | 5,495 |
| Total risk-based capital ratio | 13.0670% | 5,521 |
| Memoranda: |
| Average total assets | $1,487,476,250 | 464 |
| Average earning assets | $1,378,899,750 | 456 |
| Average equity | $144,556,250 | 510 |
| Average total loans | $1,043,894,750 | 440 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9453% | 3,948 |
| Cost of funding earning assets | 0.3763% | 4,147 |
| Net interest margin | 3.5689% | 3,494 |
| Noninterest income to average assets | 0.5895% | 2,869 |
| Noninterest expense to average assets | 1.9819% | 5,860 |
| Loan and lease loss provision to assets | 0.0203% | 3,866 |
| Net operating income to assets | 1.2845% | 1,358 |
| Return on assets (ROA) | 1.3310% | 1,274 |
| Pretax return on assets | 1.9556% | 613 |
| Return on Equity (ROE) | 13.7748% | 999 |
| Retained earnings to average equity (ytd only) | 5.1079% | 2,891 |
| Net charge-offs to loans | 0.1413% | 2,256 |
| Credit loss provision to net charge-offs | 20.6044% | 3,192 |
| Earnings coverage of net charge-offs (x) | 19.3984% | 1,629 |
| Efficiency ratio | 50.9568% | 6,126 |
| Assets per employee ($millions) | 8.1790% | 453 |
| Cash dividends to net income (ytd only)* | 62.9186% | 1,402 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2257% | 4,303 |
| Loan loss allowance to noncurrent loans | 698.7308% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 5,704 |
| Noncurrent loans to loans | 0.1754% | 5,488 |
| Net loans and leases to total assets | 69.9934% | 2,086 |
| Net loans and leases to deposits | 83.9147% | 2,044 |
| Net loans and leases to core deposits | 111.4830% | 630 |
| Total domestic deposits to total assets | 83.4102% | 4,147 |
| Equity capital to assets | 9.6311% | 4,583 |
| Core capital (leverage) ratio | 9.7455% | 3,973 |
| Tier 1 risk-based capital ratio | 11.8622% | 5,614 |
| Total risk-based capital ratio | 12.9367% | 5,647 |
| Memoranda: |
| Average total assets | $1,480,681,000 | 468 |
| Average earning assets | $1,369,087,670 | 455 |
| Average equity | $143,073,330 | 510 |
| Average total loans | $1,030,719,670 | 442 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9554% | 3,873 |
| Cost of funding earning assets | 0.3800% | 4,198 |
| Net interest margin | 3.5755% | 3,361 |
| Noninterest income to average assets | 0.5659% | 2,946 |
| Noninterest expense to average assets | 2.0702% | 5,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2328% | 1,393 |
| Return on assets (ROA) | 1.3271% | 1,192 |
| Pretax return on assets | 1.9387% | 604 |
| Return on Equity (ROE) | 13.7105% | 999 |
| Retained earnings to average equity (ytd only) | 5.2210% | 2,983 |
| Net charge-offs to loans | 0.2018% | 1,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.9370% | 1,692 |
| Efficiency ratio | 53.4890% | 6,055 |
| Assets per employee ($millions) | 8.0221% | 476 |
| Cash dividends to net income (ytd only)* | 61.9195% | 1,364 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3020% | 4,113 |
| Loan loss allowance to noncurrent loans | 617.5267% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 5,736 |
| Noncurrent loans to loans | 0.2108% | 5,462 |
| Net loans and leases to total assets | 67.4823% | 2,303 |
| Net loans and leases to deposits | 81.0737% | 2,154 |
| Net loans and leases to core deposits | 111.3660% | 532 |
| Total domestic deposits to total assets | 83.2357% | 4,523 |
| Equity capital to assets | 9.5758% | 4,394 |
| Core capital (leverage) ratio | 9.9758% | 3,602 |
| Tier 1 risk-based capital ratio | 12.3141% | 5,429 |
| Total risk-based capital ratio | 13.4510% | 5,440 |
| Memoranda: |
| Average total assets | $1,460,373,000 | 470 |
| Average earning assets | $1,349,633,000 | 460 |
| Average equity | $141,351,500 | 517 |
| Average total loans | $1,007,069,000 | 450 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9689% | 4,201 |
| Cost of funding earning assets | 0.4635% | 3,983 |
| Net interest margin | 3.5054% | 3,879 |
| Noninterest income to average assets | 0.6024% | 3,083 |
| Noninterest expense to average assets | 2.0113% | 6,009 |
| Loan and lease loss provision to assets | -0.0592% | 6,411 |
| Net operating income to assets | 1.2953% | 1,264 |
| Return on assets (ROA) | 1.2953% | 1,316 |
| Pretax return on assets | 1.8926% | 609 |
| Return on Equity (ROE) | 13.4817% | 1,073 |
| Retained earnings to average equity (ytd only) | -0.4282% | 5,956 |
| Net charge-offs to loans | 0.0925% | 3,922 |
| Credit loss provision to net charge-offs | -95.7207% | 5,869 |
| Earnings coverage of net charge-offs (x) | 29.6633% | 1,199 |
| Efficiency ratio | 52.3128% | 6,274 |
| Assets per employee ($millions) | 7.6398% | 562 |
| Cash dividends to net income (ytd only)* | 103.1759% | 356 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3875% | 3,710 |
| Loan loss allowance to noncurrent loans | 575.1043% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 5,732 |
| Noncurrent loans to loans | 0.2413% | 5,457 |
| Net loans and leases to total assets | 68.6077% | 2,238 |
| Net loans and leases to deposits | 83.7351% | 1,972 |
| Net loans and leases to core deposits | 107.1670% | 726 |
| Total domestic deposits to total assets | 81.9342% | 4,899 |
| Equity capital to assets | 9.7870% | 4,057 |
| Core capital (leverage) ratio | 9.8044% | 3,835 |
| Tier 1 risk-based capital ratio | 12.6310% | 5,213 |
| Total risk-based capital ratio | 13.8587% | 5,174 |
| Memoranda: |
| Average total assets | $1,436,693,200 | 470 |
| Average earning assets | $1,328,854,400 | 465 |
| Average equity | $138,031,200 | 527 |
| Average total loans | $959,753,600 | 444 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9387% | 4,353 |
| Cost of funding earning assets | 0.4675% | 4,087 |
| Net interest margin | 3.4712% | 4,010 |
| Noninterest income to average assets | 0.6037% | 3,127 |
| Noninterest expense to average assets | 1.9897% | 6,025 |
| Loan and lease loss provision to assets | -0.0788% | 6,592 |
| Net operating income to assets | 1.3007% | 1,352 |
| Return on assets (ROA) | 1.3007% | 1,408 |
| Pretax return on assets | 1.9006% | 708 |
| Return on Equity (ROE) | 13.6011% | 1,099 |
| Retained earnings to average equity (ytd only) | -2.0981% | 6,278 |
| Net charge-offs to loans | -0.0087% | 5,864 |
| Credit loss provision to net charge-offs | 1,370.9677% | 234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2016% | 6,242 |
| Assets per employee ($millions) | 7.7521% | 522 |
| Cash dividends to net income (ytd only)* | 115.4257% | 268 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5364% | 3,299 |
| Loan loss allowance to noncurrent loans | 176.9203% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 4,595 |
| Noncurrent loans to loans | 0.8684% | 4,082 |
| Net loans and leases to total assets | 64.8206% | 2,848 |
| Net loans and leases to deposits | 80.5778% | 2,327 |
| Net loans and leases to core deposits | 106.4666% | 733 |
| Total domestic deposits to total assets | 80.4447% | 5,376 |
| Equity capital to assets | 9.4970% | 4,561 |
| Core capital (leverage) ratio | 9.6668% | 4,147 |
| Tier 1 risk-based capital ratio | 12.8210% | 5,247 |
| Total risk-based capital ratio | 14.0722% | 5,183 |
| Memoranda: |
| Average total assets | $1,438,705,750 | 470 |
| Average earning assets | $1,329,590,000 | 467 |
| Average equity | $137,583,500 | 531 |
| Average total loans | $951,204,500 | 448 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8887% | 4,525 |
| Cost of funding earning assets | 0.4694% | 4,217 |
| Net interest margin | 3.4193% | 4,117 |
| Noninterest income to average assets | 0.5977% | 3,209 |
| Noninterest expense to average assets | 1.9972% | 6,050 |
| Loan and lease loss provision to assets | 0.0209% | 4,479 |
| Net operating income to assets | 1.2066% | 1,581 |
| Return on assets (ROA) | 1.2066% | 1,681 |
| Pretax return on assets | 1.7510% | 1,013 |
| Return on Equity (ROE) | 12.5878% | 1,340 |
| Retained earnings to average equity (ytd only) | -7.9500% | 6,606 |
| Net charge-offs to loans | -0.0590% | 6,324 |
| Credit loss provision to net charge-offs | -53.5714% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9893% | 6,220 |
| Assets per employee ($millions) | 7.6882% | 516 |
| Cash dividends to net income (ytd only)* | 163.1567% | 166 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6354% | 3,026 |
| Loan loss allowance to noncurrent loans | 453.8965% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 5,509 |
| Noncurrent loans to loans | 0.3603% | 5,375 |
| Net loans and leases to total assets | 66.7671% | 2,454 |
| Net loans and leases to deposits | 84.8274% | 1,702 |
| Net loans and leases to core deposits | 107.6413% | 656 |
| Total domestic deposits to total assets | 78.7094% | 5,847 |
| Equity capital to assets | 9.6113% | 4,438 |
| Core capital (leverage) ratio | 9.6037% | 4,072 |
| Tier 1 risk-based capital ratio | 12.4914% | 5,509 |
| Total risk-based capital ratio | 13.7439% | 5,447 |
| Memoranda: |
| Average total assets | $1,432,473,670 | 469 |
| Average earning assets | $1,328,632,670 | 463 |
| Average equity | $137,308,000 | 534 |
| Average total loans | $948,460,330 | 447 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7999% | 4,825 |
| Cost of funding earning assets | 0.4748% | 4,328 |
| Net interest margin | 3.3251% | 4,421 |
| Noninterest income to average assets | 0.6188% | 3,035 |
| Noninterest expense to average assets | 1.9789% | 6,145 |
| Loan and lease loss provision to assets | 0.0420% | 3,903 |
| Net operating income to assets | 1.1556% | 1,650 |
| Return on assets (ROA) | 1.1556% | 1,760 |
| Pretax return on assets | 1.6754% | 1,139 |
| Return on Equity (ROE) | 12.0726% | 1,401 |
| Retained earnings to average equity (ytd only) | 6.2277% | 2,551 |
| Net charge-offs to loans | 0.0201% | 3,755 |
| Credit loss provision to net charge-offs | 319.1489% | 758 |
| Earnings coverage of net charge-offs (x) | 130.6170% | 296 |
| Efficiency ratio | 53.5382% | 6,261 |
| Assets per employee ($millions) | 7.6154% | 586 |
| Cash dividends to net income (ytd only)* | 48.4144% | 1,623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6652% | 3,154 |
| Loan loss allowance to noncurrent loans | 242.0939% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 5,024 |
| Noncurrent loans to loans | 0.6878% | 4,752 |
| Net loans and leases to total assets | 64.8227% | 2,567 |
| Net loans and leases to deposits | 82.3999% | 1,774 |
| Net loans and leases to core deposits | 101.3093% | 871 |
| Total domestic deposits to total assets | 78.6684% | 6,021 |
| Equity capital to assets | 9.6734% | 4,603 |
| Core capital (leverage) ratio | 9.5710% | 3,972 |
| Tier 1 risk-based capital ratio | 12.8488% | 5,339 |
| Total risk-based capital ratio | 14.1018% | 5,283 |
| Memoranda: |
| Average total assets | $1,429,866,500 | 472 |
| Average earning assets | $1,323,397,500 | 468 |
| Average equity | $136,871,500 | 543 |
| Average total loans | $934,759,500 | 450 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1626% | 4,722 |
| Cost of funding earning assets | 0.7165% | 3,356 |
| Net interest margin | 3.4462% | 4,715 |
| Noninterest income to average assets | 0.8050% | 2,246 |
| Noninterest expense to average assets | 2.0403% | 6,255 |
| Loan and lease loss provision to assets | 0.0474% | 5,235 |
| Net operating income to assets | 1.3293% | 1,236 |
| Return on assets (ROA) | 1.3423% | 1,334 |
| Pretax return on assets | 1.9140% | 732 |
| Return on Equity (ROE) | 13.3339% | 1,145 |
| Retained earnings to average equity (ytd only) | 3.9173% | 3,446 |
| Net charge-offs to loans | 0.2160% | 3,668 |
| Credit loss provision to net charge-offs | 33.3511% | 5,053 |
| Earnings coverage of net charge-offs (x) | 13.6697% | 1,802 |
| Efficiency ratio | 51.2243% | 6,506 |
| Assets per employee ($millions) | 7.9759% | 506 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,347 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6684% | 3,048 |
| Loan loss allowance to noncurrent loans | 238.6140% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 5,103 |
| Noncurrent loans to loans | 0.6992% | 4,792 |
| Net loans and leases to total assets | 63.7502% | 2,939 |
| Net loans and leases to deposits | 80.1730% | 2,256 |
| Net loans and leases to core deposits | 95.2988% | 1,359 |
| Total domestic deposits to total assets | 79.5157% | 5,782 |
| Equity capital to assets | 9.4721% | 4,909 |
| Core capital (leverage) ratio | 9.8489% | 3,608 |
| Tier 1 risk-based capital ratio | 12.7735% | 5,273 |
| Total risk-based capital ratio | 14.0265% | 5,208 |
| Memoranda: |
| Average total assets | $1,318,598,600 | 505 |
| Average earning assets | $1,215,982,000 | 494 |
| Average equity | $132,744,200 | 542 |
| Average total loans | $867,724,400 | 471 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2685% | 4,585 |
| Cost of funding earning assets | 0.7572% | 3,290 |
| Net interest margin | 3.5113% | 4,601 |
| Noninterest income to average assets | 0.8411% | 2,070 |
| Noninterest expense to average assets | 2.0919% | 6,181 |
| Loan and lease loss provision to assets | 0.0310% | 5,388 |
| Net operating income to assets | 1.3892% | 1,254 |
| Return on assets (ROA) | 1.4073% | 1,328 |
| Pretax return on assets | 1.9863% | 716 |
| Return on Equity (ROE) | 13.7530% | 1,164 |
| Retained earnings to average equity (ytd only) | 3.1419% | 4,665 |
| Net charge-offs to loans | 0.2255% | 3,371 |
| Credit loss provision to net charge-offs | 20.8189% | 4,942 |
| Earnings coverage of net charge-offs (x) | 13.3671% | 1,916 |
| Efficiency ratio | 51.2243% | 6,510 |
| Assets per employee ($millions) | 7.2051% | 668 |
| Cash dividends to net income (ytd only)* | 77.1548% | 721 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8211% | 2,728 |
| Loan loss allowance to noncurrent loans | 185.6024% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 4,598 |
| Noncurrent loans to loans | 0.9812% | 4,482 |
| Net loans and leases to total assets | 67.2448% | 2,414 |
| Net loans and leases to deposits | 90.2605% | 1,114 |
| Net loans and leases to core deposits | 108.2517% | 642 |
| Total domestic deposits to total assets | 74.5008% | 6,560 |
| Equity capital to assets | 10.7014% | 3,608 |
| Core capital (leverage) ratio | 10.1151% | 3,387 |
| Tier 1 risk-based capital ratio | 13.7266% | 4,743 |
| Total risk-based capital ratio | 14.9815% | 4,691 |
| Memoranda: |
| Average total assets | $1,289,333,500 | 521 |
| Average earning assets | $1,190,690,750 | 507 |
| Average equity | $131,933,500 | 548 |
| Average total loans | $851,964,500 | 481 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2551% | 4,740 |
| Cost of funding earning assets | 0.7741% | 3,408 |
| Net interest margin | 3.4810% | 4,756 |
| Noninterest income to average assets | 0.8524% | 1,957 |
| Noninterest expense to average assets | 2.0670% | 6,301 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4353% | 1,119 |
| Return on assets (ROA) | 1.4625% | 1,197 |
| Pretax return on assets | 2.0395% | 642 |
| Return on Equity (ROE) | 14.5056% | 1,010 |
| Retained earnings to average equity (ytd only) | 1.5474% | 5,433 |
| Net charge-offs to loans | 0.3307% | 2,704 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 9.2690% | 2,187 |
| Efficiency ratio | 50.8028% | 6,590 |
| Assets per employee ($millions) | 7.4336% | 597 |
| Cash dividends to net income (ytd only)* | 89.3326% | 611 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7872% | 2,895 |
| Loan loss allowance to noncurrent loans | 206.9044% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 4,972 |
| Noncurrent loans to loans | 0.8638% | 4,776 |
| Net loans and leases to total assets | 63.1385% | 3,210 |
| Net loans and leases to deposits | 81.6836% | 2,156 |
| Net loans and leases to core deposits | 99.2183% | 1,153 |
| Total domestic deposits to total assets | 77.2964% | 6,280 |
| Equity capital to assets | 9.8321% | 4,574 |
| Core capital (leverage) ratio | 9.6899% | 3,850 |
| Tier 1 risk-based capital ratio | 13.4383% | 4,875 |
| Total risk-based capital ratio | 14.6928% | 4,829 |
| Memoranda: |
| Average total assets | $1,301,215,670 | 519 |
| Average earning assets | $1,202,240,670 | 504 |
| Average equity | $131,190,670 | 549 |
| Average total loans | $849,727,330 | 483 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2857% | 4,796 |
| Cost of funding earning assets | 0.7883% | 3,558 |
| Net interest margin | 3.4974% | 4,717 |
| Noninterest income to average assets | 0.7693% | 2,303 |
| Noninterest expense to average assets | 2.0670% | 6,345 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3533% | 1,311 |
| Return on assets (ROA) | 1.3461% | 1,491 |
| Pretax return on assets | 1.9220% | 838 |
| Return on Equity (ROE) | 13.1810% | 1,358 |
| Retained earnings to average equity (ytd only) | 7.9904% | 1,985 |
| Net charge-offs to loans | 0.0602% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 48.7953% | 646 |
| Efficiency ratio | 51.6841% | 6,570 |
| Assets per employee ($millions) | 7.2302% | 668 |
| Cash dividends to net income (ytd only)* | 39.3792% | 1,780 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9637% | 2,475 |
| Loan loss allowance to noncurrent loans | 194.6120% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8305% | 4,873 |
| Noncurrent loans to loans | 1.0090% | 4,658 |
| Net loans and leases to total assets | 63.5217% | 2,944 |
| Net loans and leases to deposits | 85.6313% | 1,463 |
| Net loans and leases to core deposits | 99.5254% | 1,015 |
| Total domestic deposits to total assets | 74.1804% | 6,728 |
| Equity capital to assets | 10.1198% | 3,964 |
| Core capital (leverage) ratio | 10.1299% | 3,203 |
| Tier 1 risk-based capital ratio | 14.0045% | 4,473 |
| Total risk-based capital ratio | 15.2613% | 4,428 |
| Memoranda: |
| Average total assets | $1,282,804,000 | 521 |
| Average earning assets | $1,184,775,500 | 507 |
| Average equity | $131,007,000 | 546 |
| Average total loans | $844,495,500 | 487 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6057% | 4,655 |
| Cost of funding earning assets | 0.9685% | 3,587 |
| Net interest margin | 3.6372% | 4,579 |
| Noninterest income to average assets | 0.7003% | 2,601 |
| Noninterest expense to average assets | 2.0499% | 6,584 |
| Loan and lease loss provision to assets | 0.0438% | 6,029 |
| Net operating income to assets | 1.3846% | 1,050 |
| Return on assets (ROA) | 1.3846% | 1,144 |
| Pretax return on assets | 1.9548% | 584 |
| Return on Equity (ROE) | 12.6539% | 1,245 |
| Retained earnings to average equity (ytd only) | -17.9189% | 6,934 |
| Net charge-offs to loans | 0.3351% | 3,720 |
| Credit loss provision to net charge-offs | 19.2375% | 5,926 |
| Earnings coverage of net charge-offs (x) | 8.7835% | 2,093 |
| Efficiency ratio | 50.3883% | 6,806 |
| Assets per employee ($millions) | 7.0220% | 727 |
| Cash dividends to net income (ytd only)* | 241.6082% | 63 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9949% | 2,301 |
| Loan loss allowance to noncurrent loans | 195.7303% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 4,718 |
| Noncurrent loans to loans | 1.0192% | 4,668 |
| Net loans and leases to total assets | 65.5779% | 2,858 |
| Net loans and leases to deposits | 85.9282% | 1,678 |
| Net loans and leases to core deposits | 100.7451% | 1,116 |
| Total domestic deposits to total assets | 76.3170% | 6,440 |
| Equity capital to assets | 10.3091% | 3,776 |
| Core capital (leverage) ratio | 9.9494% | 3,395 |
| Tier 1 risk-based capital ratio | 13.8324% | 4,457 |
| Total risk-based capital ratio | 15.0895% | 4,406 |
| Memoranda: |
| Average total assets | $1,256,528,200 | 521 |
| Average earning assets | $1,156,627,600 | 512 |
| Average equity | $137,491,600 | 504 |
| Average total loans | $853,198,400 | 493 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6391% | 4,712 |
| Cost of funding earning assets | 0.9834% | 3,797 |
| Net interest margin | 3.6557% | 4,545 |
| Noninterest income to average assets | 0.7316% | 2,406 |
| Noninterest expense to average assets | 2.0202% | 6,652 |
| Loan and lease loss provision to assets | 0.1008% | 5,187 |
| Net operating income to assets | 1.4053% | 1,138 |
| Return on assets (ROA) | 1.4053% | 1,216 |
| Pretax return on assets | 1.9756% | 658 |
| Return on Equity (ROE) | 12.6600% | 1,369 |
| Retained earnings to average equity (ytd only) | -26.0905% | 7,163 |
| Net charge-offs to loans | 0.3988% | 3,119 |
| Credit loss provision to net charge-offs | 37.0949% | 5,298 |
| Earnings coverage of net charge-offs (x) | 7.6404% | 2,326 |
| Efficiency ratio | 49.0260% | 6,884 |
| Assets per employee ($millions) | 6.9341% | 762 |
| Cash dividends to net income (ytd only)* | 306.0863% | 33 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0133% | 2,299 |
| Loan loss allowance to noncurrent loans | 288.9073% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 5,070 |
| Noncurrent loans to loans | 0.6969% | 5,491 |
| Net loans and leases to total assets | 70.0934% | 2,066 |
| Net loans and leases to deposits | 92.4395% | 976 |
| Net loans and leases to core deposits | 111.2824% | 628 |
| Total domestic deposits to total assets | 75.8262% | 6,550 |
| Equity capital to assets | 10.4743% | 3,736 |
| Core capital (leverage) ratio | 9.9943% | 3,453 |
| Tier 1 risk-based capital ratio | 13.0535% | 5,058 |
| Total risk-based capital ratio | 14.3108% | 5,023 |
| Memoranda: |
| Average total assets | $1,256,426,500 | 528 |
| Average earning assets | $1,156,512,750 | 514 |
| Average equity | $139,469,750 | 505 |
| Average total loans | $856,235,750 | 494 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5893% | 5,011 |
| Cost of funding earning assets | 0.9749% | 4,123 |
| Net interest margin | 3.6143% | 4,663 |
| Noninterest income to average assets | 0.7369% | 2,336 |
| Noninterest expense to average assets | 1.9537% | 6,869 |
| Loan and lease loss provision to assets | 0.1495% | 4,444 |
| Net operating income to assets | 1.4086% | 1,063 |
| Return on assets (ROA) | 1.4086% | 1,123 |
| Pretax return on assets | 1.9735% | 618 |
| Return on Equity (ROE) | 12.4658% | 1,354 |
| Retained earnings to average equity (ytd only) | -41.3461% | 7,310 |
| Net charge-offs to loans | 0.5273% | 2,513 |
| Credit loss provision to net charge-offs | 42.2786% | 4,771 |
| Earnings coverage of net charge-offs (x) | 6.0031% | 2,492 |
| Efficiency ratio | 47.6372% | 7,079 |
| Assets per employee ($millions) | 7.2852% | 633 |
| Cash dividends to net income (ytd only)* | 431.6760% | 27 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1275% | 2,061 |
| Loan loss allowance to noncurrent loans | 322.8675% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 5,210 |
| Noncurrent loans to loans | 0.6589% | 5,597 |
| Net loans and leases to total assets | 65.6944% | 3,092 |
| Net loans and leases to deposits | 85.0420% | 1,941 |
| Net loans and leases to core deposits | 107.2888% | 847 |
| Total domestic deposits to total assets | 77.2494% | 6,417 |
| Equity capital to assets | 9.9655% | 4,201 |
| Core capital (leverage) ratio | 9.4707% | 3,995 |
| Tier 1 risk-based capital ratio | 13.1722% | 4,789 |
| Total risk-based capital ratio | 14.4305% | 4,763 |
| Memoranda: |
| Average total assets | $1,270,748,670 | 520 |
| Average earning assets | $1,174,215,330 | 510 |
| Average equity | $143,592,670 | 499 |
| Average total loans | $852,304,000 | 503 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5548% | 5,151 |
| Cost of funding earning assets | 0.9805% | 4,348 |
| Net interest margin | 3.5743% | 4,694 |
| Noninterest income to average assets | 0.8126% | 1,981 |
| Noninterest expense to average assets | 1.9466% | 6,915 |
| Loan and lease loss provision to assets | 0.1559% | 4,075 |
| Net operating income to assets | 1.4800% | 909 |
| Return on assets (ROA) | 1.4800% | 952 |
| Pretax return on assets | 2.0271% | 533 |
| Return on Equity (ROE) | 12.3875% | 1,358 |
| Retained earnings to average equity (ytd only) | 10.4308% | 1,015 |
| Net charge-offs to loans | 0.9656% | 1,392 |
| Credit loss provision to net charge-offs | 24.0732% | 4,210 |
| Earnings coverage of net charge-offs (x) | 3.3717% | 2,761 |
| Efficiency ratio | 46.8599% | 7,163 |
| Assets per employee ($millions) | 7.4639% | 596 |
| Cash dividends to net income (ytd only)* | 15.7961% | 2,280 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1106% | 2,164 |
| Loan loss allowance to noncurrent loans | 276.8817% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 4,921 |
| Noncurrent loans to loans | 0.7623% | 5,505 |
| Net loans and leases to total assets | 63.6282% | 3,514 |
| Net loans and leases to deposits | 85.4605% | 1,807 |
| Net loans and leases to core deposits | 105.8258% | 950 |
| Total domestic deposits to total assets | 74.4533% | 6,861 |
| Equity capital to assets | 12.2001% | 1,792 |
| Core capital (leverage) ratio | 11.8926% | 1,623 |
| Tier 1 risk-based capital ratio | 16.9611% | 2,492 |
| Total risk-based capital ratio | 18.2193% | 2,463 |
| Memoranda: |
| Average total assets | $1,283,237,500 | 522 |
| Average earning assets | $1,190,824,500 | 511 |
| Average equity | $153,315,500 | 462 |
| Average total loans | $860,360,000 | 509 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4147% | 6,590 |
| Cost of funding earning assets | 1.3208% | 3,750 |
| Net interest margin | 3.0939% | 6,534 |
| Noninterest income to average assets | 0.6340% | 3,255 |
| Noninterest expense to average assets | 1.6760% | 7,362 |
| Loan and lease loss provision to assets | 0.4042% | 3,693 |
| Net operating income to assets | 1.0661% | 1,823 |
| Return on assets (ROA) | 0.8951% | 2,543 |
| Pretax return on assets | 1.1859% | 2,271 |
| Return on Equity (ROE) | 9.2263% | 2,207 |
| Retained earnings to average equity (ytd only) | 6.5098% | 1,550 |
| Net charge-offs to loans | 0.6357% | 3,115 |
| Credit loss provision to net charge-offs | 99.3595% | 4,656 |
| Earnings coverage of net charge-offs (x) | 4.4694% | 2,913 |
| Efficiency ratio | 47.6846% | 7,278 |
| Assets per employee ($millions) | 8.0133% | 475 |
| Cash dividends to net income (ytd only)* | 29.4425% | 3,070 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1420% | 1,979 |
| Loan loss allowance to noncurrent loans | 234.3976% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3595% | 4,307 |
| Noncurrent loans to loans | 0.9138% | 5,224 |
| Net loans and leases to total assets | 67.5906% | 3,079 |
| Net loans and leases to deposits | 89.6858% | 1,573 |
| Net loans and leases to core deposits | 113.6108% | 740 |
| Total domestic deposits to total assets | 75.3638% | 6,717 |
| Equity capital to assets | 11.6977% | 2,129 |
| Core capital (leverage) ratio | 10.6748% | 2,398 |
| Tier 1 risk-based capital ratio | 15.2849% | 3,110 |
| Total risk-based capital ratio | 16.5434% | 3,060 |
| Memoranda: |
| Average total assets | $1,496,907,000 | 455 |
| Average earning assets | $1,383,756,600 | 443 |
| Average equity | $145,226,800 | 473 |
| Average total loans | $957,863,800 | 468 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3549% | 6,885 |
| Cost of funding earning assets | 1.4034% | 3,562 |
| Net interest margin | 2.9515% | 6,924 |
| Noninterest income to average assets | 0.6863% | 2,900 |
| Noninterest expense to average assets | 1.6098% | 7,496 |
| Loan and lease loss provision to assets | 0.4649% | 3,146 |
| Net operating income to assets | 0.9921% | 2,262 |
| Return on assets (ROA) | 0.9751% | 2,436 |
| Pretax return on assets | 1.3110% | 2,136 |
| Return on Equity (ROE) | 10.5011% | 1,935 |
| Retained earnings to average equity (ytd only) | 8.3222% | 1,305 |
| Net charge-offs to loans | 0.7444% | 2,564 |
| Credit loss provision to net charge-offs | 99.2465% | 4,396 |
| Earnings coverage of net charge-offs (x) | 3.8399% | 3,281 |
| Efficiency ratio | 46.9475% | 7,338 |
| Assets per employee ($millions) | 8.3451% | 446 |
| Cash dividends to net income (ytd only)* | 20.7487% | 2,939 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0574% | 2,085 |
| Loan loss allowance to noncurrent loans | 169.6143% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 1.6966% | 3,901 |
| Noncurrent loans to loans | 1.2130% | 4,821 |
| Net loans and leases to total assets | 68.0447% | 3,203 |
| Net loans and leases to deposits | 87.7050% | 2,046 |
| Net loans and leases to core deposits | 122.5640% | 540 |
| Total domestic deposits to total assets | 77.5836% | 6,352 |
| Equity capital to assets | 11.2656% | 2,729 |
| Core capital (leverage) ratio | 9.8641% | 3,408 |
| Tier 1 risk-based capital ratio | 14.1330% | 3,736 |
| Total risk-based capital ratio | 15.3899% | 3,701 |
| Memoranda: |
| Average total assets | $1,548,598,750 | 439 |
| Average earning assets | $1,428,379,500 | 426 |
| Average equity | $143,804,250 | 472 |
| Average total loans | $974,554,500 | 460 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2068% | 7,164 |
| Cost of funding earning assets | 1.4351% | 3,639 |
| Net interest margin | 2.7717% | 7,187 |
| Noninterest income to average assets | 0.5970% | 3,357 |
| Noninterest expense to average assets | 1.4863% | 7,623 |
| Loan and lease loss provision to assets | 0.4198% | 3,221 |
| Net operating income to assets | 0.9253% | 2,454 |
| Return on assets (ROA) | 0.9103% | 2,626 |
| Pretax return on assets | 1.2322% | 2,314 |
| Return on Equity (ROE) | 10.4125% | 1,958 |
| Retained earnings to average equity (ytd only) | 8.2586% | 1,350 |
| Net charge-offs to loans | 0.2898% | 3,885 |
| Credit loss provision to net charge-offs | 236.9338% | 1,626 |
| Earnings coverage of net charge-offs (x) | 9.4376% | 2,022 |
| Efficiency ratio | 46.7670% | 7,403 |
| Assets per employee ($millions) | 10.0883% | 248 |
| Cash dividends to net income (ytd only)* | 20.6864% | 2,871 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1964% | 1,763 |
| Loan loss allowance to noncurrent loans | 181.7720% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 2.3627% | 3,055 |
| Noncurrent loans to loans | 1.2083% | 4,946 |
| Net loans and leases to total assets | 58.5505% | 5,324 |
| Net loans and leases to deposits | 73.5948% | 4,740 |
| Net loans and leases to core deposits | 102.9854% | 1,735 |
| Total domestic deposits to total assets | 79.5580% | 5,871 |
| Equity capital to assets | 9.0693% | 5,339 |
| Core capital (leverage) ratio | 8.8168% | 4,890 |
| Tier 1 risk-based capital ratio | 13.1710% | 4,308 |
| Total risk-based capital ratio | 15.3317% | 3,632 |
| Memoranda: |
| Average total assets | $1,619,725,000 | 417 |
| Average earning assets | $1,496,912,670 | 409 |
| Average equity | $141,598,670 | 476 |
| Average total loans | $990,195,330 | 459 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2088% | 7,251 |
| Cost of funding earning assets | 1.4659% | 3,768 |
| Net interest margin | 2.7429% | 7,251 |
| Noninterest income to average assets | 0.5756% | 3,454 |
| Noninterest expense to average assets | 1.4205% | 7,752 |
| Loan and lease loss provision to assets | 0.4915% | 2,536 |
| Net operating income to assets | 0.8865% | 2,605 |
| Return on assets (ROA) | 0.8948% | 2,637 |
| Pretax return on assets | 1.2077% | 2,342 |
| Return on Equity (ROE) | 10.4281% | 1,971 |
| Retained earnings to average equity (ytd only) | 8.2801% | 1,597 |
| Net charge-offs to loans | 0.3394% | 3,049 |
| Credit loss provision to net charge-offs | 234.4666% | 1,632 |
| Earnings coverage of net charge-offs (x) | 8.0516% | 1,996 |
| Efficiency ratio | 45.4064% | 7,574 |
| Assets per employee ($millions) | 10.6686% | 221 |
| Cash dividends to net income (ytd only)* | 20.5987% | 2,226 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0447% | 2,072 |
| Loan loss allowance to noncurrent loans | 174.4214% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 2.3583% | 3,078 |
| Noncurrent loans to loans | 1.1723% | 5,020 |
| Net loans and leases to total assets | 57.6165% | 5,508 |
| Net loans and leases to deposits | 71.5948% | 5,111 |
| Net loans and leases to core deposits | 91.4411% | 3,179 |
| Total domestic deposits to total assets | 80.4758% | 5,628 |
| Equity capital to assets | 8.4013% | 6,158 |
| Core capital (leverage) ratio | 8.7728% | 4,896 |
| Tier 1 risk-based capital ratio | 12.3237% | 4,881 |
| Total risk-based capital ratio | 14.4480% | 4,164 |
| Memoranda: |
| Average total assets | $1,627,570,000 | 432 |
| Average earning assets | $1,502,948,000 | 421 |
| Average equity | $139,660,500 | 489 |
| Average total loans | $1,005,162,000 | 471 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7221% | 7,101 |
| Cost of funding earning assets | 1.8044% | 3,969 |
| Net interest margin | 2.9177% | 6,827 |
| Noninterest income to average assets | 0.6277% | 3,442 |
| Noninterest expense to average assets | 2.3772% | 6,531 |
| Loan and lease loss provision to assets | 1.5905% | 1,442 |
| Net operating income to assets | -0.2149% | 5,854 |
| Return on assets (ROA) | -0.2436% | 5,890 |
| Pretax return on assets | -0.6683% | 6,160 |
| Return on Equity (ROE) | -2.6945% | 5,946 |
| Retained earnings to average equity (ytd only) | -5.2066% | 6,049 |
| Net charge-offs to loans | 1.9167% | 1,291 |
| Credit loss provision to net charge-offs | 117.7036% | 4,604 |
| Earnings coverage of net charge-offs (x) | 0.7157% | 5,387 |
| Efficiency ratio | 44.7190% | 7,759 |
| Assets per employee ($millions) | 9.8093% | 273 |
| Cash dividends to net income (ytd only)* | -93.2321% | 7,890 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8772% | 2,326 |
| Loan loss allowance to noncurrent loans | 141.6741% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 2.5478% | 2,745 |
| Noncurrent loans to loans | 1.3250% | 4,708 |
| Net loans and leases to total assets | 63.6967% | 4,655 |
| Net loans and leases to deposits | 80.1408% | 3,963 |
| Net loans and leases to core deposits | 102.3979% | 3,760 |
| Total domestic deposits to total assets | 79.4810% | 5,853 |
| Equity capital to assets | 8.7738% | 5,479 |
| Core capital (leverage) ratio | 8.8573% | 4,668 |
| Tier 1 risk-based capital ratio | 11.8132% | 5,097 |
| Total risk-based capital ratio | 13.9009% | 4,336 |
| Memoranda: |
| Average total assets | $1,540,371,600 | 446 |
| Average earning assets | $1,434,210,000 | 438 |
| Average equity | $139,285,400 | 484 |
| Average total loans | $1,086,003,200 | 451 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7907% | 7,136 |
| Cost of funding earning assets | 1.8605% | 4,095 |
| Net interest margin | 2.9301% | 6,780 |
| Noninterest income to average assets | 0.6577% | 3,308 |
| Noninterest expense to average assets | 2.7082% | 5,286 |
| Loan and lease loss provision to assets | 1.8698% | 986 |
| Net operating income to assets | -0.5541% | 6,485 |
| Return on assets (ROA) | -0.5831% | 6,508 |
| Pretax return on assets | -1.2291% | 6,826 |
| Return on Equity (ROE) | -6.4002% | 6,596 |
| Retained earnings to average equity (ytd only) | -9.1435% | 6,716 |
| Net charge-offs to loans | 2.0895% | 932 |
| Credit loss provision to net charge-offs | 124.3997% | 4,050 |
| Earnings coverage of net charge-offs (x) | 0.4564% | 5,572 |
| Efficiency ratio | 45.0856% | 7,799 |
| Assets per employee ($millions) | 9.3288% | 328 |
| Cash dividends to net income (ytd only)* | -42.8635% | 7,916 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8485% | 2,158 |
| Loan loss allowance to noncurrent loans | 130.6093% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 2.3255% | 2,950 |
| Noncurrent loans to loans | 1.4153% | 4,548 |
| Net loans and leases to total assets | 69.9331% | 3,533 |
| Net loans and leases to deposits | 89.8461% | 2,611 |
| Net loans and leases to core deposits | 109.1773% | 3,330 |
| Total domestic deposits to total assets | 77.8366% | 6,132 |
| Equity capital to assets | 9.1821% | 5,195 |
| Core capital (leverage) ratio | 9.0903% | 4,507 |
| Tier 1 risk-based capital ratio | 11.6177% | 5,321 |
| Total risk-based capital ratio | 13.7060% | 4,531 |
| Memoranda: |
| Average total assets | $1,533,090,750 | 461 |
| Average earning assets | $1,431,745,250 | 455 |
| Average equity | $139,680,500 | 492 |
| Average total loans | $1,102,793,500 | 461 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7249% | 7,355 |
| Cost of funding earning assets | 1.8944% | 4,289 |
| Net interest margin | 2.8305% | 6,954 |
| Noninterest income to average assets | 0.6735% | 3,173 |
| Noninterest expense to average assets | 3.3015% | 2,958 |
| Loan and lease loss provision to assets | 2.3924% | 661 |
| Net operating income to assets | -1.2771% | 7,149 |
| Return on assets (ROA) | -1.2937% | 7,166 |
| Pretax return on assets | -2.3944% | 7,392 |
| Return on Equity (ROE) | -14.2349% | 7,294 |
| Retained earnings to average equity (ytd only) | -17.6840% | 7,383 |
| Net charge-offs to loans | 1.8423% | 1,025 |
| Credit loss provision to net charge-offs | 179.9786% | 2,542 |
| Earnings coverage of net charge-offs (x) | 0.0180% | 5,663 |
| Efficiency ratio | 46.8131% | 7,818 |
| Assets per employee ($millions) | 9.0222% | 350 |
| Cash dividends to net income (ytd only)* | -24.2303% | 7,951 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1079% | 1,378 |
| Loan loss allowance to noncurrent loans | 54.2669% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 3.4065% | 1,837 |
| Noncurrent loans to loans | 3.8843% | 1,749 |
| Net loans and leases to total assets | 72.9324% | 2,967 |
| Net loans and leases to deposits | 93.2913% | 2,214 |
| Net loans and leases to core deposits | 118.4265% | 2,507 |
| Total domestic deposits to total assets | 78.1770% | 6,028 |
| Equity capital to assets | 8.7576% | 5,669 |
| Core capital (leverage) ratio | 7.8370% | 6,569 |
| Tier 1 risk-based capital ratio | 10.7922% | 6,091 |
| Total risk-based capital ratio | 12.8406% | 5,226 |
| Memoranda: |
| Average total assets | $1,546,585,000 | 470 |
| Average earning assets | $1,449,010,670 | 458 |
| Average equity | $140,556,330 | 501 |
| Average total loans | $1,115,896,330 | 469 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6202% | 7,601 |
| Cost of funding earning assets | 1.8627% | 4,818 |
| Net interest margin | 2.7575% | 7,078 |
| Noninterest income to average assets | 0.7563% | 2,564 |
| Noninterest expense to average assets | 1.4751% | 8,002 |
| Loan and lease loss provision to assets | 0.8937% | 1,464 |
| Net operating income to assets | 0.8237% | 3,030 |
| Return on assets (ROA) | 0.8396% | 3,102 |
| Pretax return on assets | 0.9910% | 3,386 |
| Return on Equity (ROE) | 9.0792% | 2,676 |
| Retained earnings to average equity (ytd only) | 4.5921% | 3,373 |
| Net charge-offs to loans | 0.3329% | 2,762 |
| Credit loss provision to net charge-offs | 377.9698% | 1,363 |
| Earnings coverage of net charge-offs (x) | 7.8920% | 2,277 |
| Efficiency ratio | 43.7065% | 7,943 |
| Assets per employee ($millions) | 9.5582% | 303 |
| Cash dividends to net income (ytd only)* | 49.4221% | 1,781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6036% | 2,503 |
| Loan loss allowance to noncurrent loans | 58.9554% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 2.2823% | 2,515 |
| Noncurrent loans to loans | 2.7200% | 2,413 |
| Net loans and leases to total assets | 69.2501% | 3,860 |
| Net loans and leases to deposits | 92.5247% | 2,510 |
| Net loans and leases to core deposits | 126.6654% | 1,875 |
| Total domestic deposits to total assets | 74.8450% | 6,738 |
| Equity capital to assets | 9.1343% | 5,174 |
| Core capital (leverage) ratio | 8.8655% | 4,898 |
| Tier 1 risk-based capital ratio | 11.2440% | 5,652 |
| Total risk-based capital ratio | 13.3106% | 4,804 |
| Memoranda: |
| Average total assets | $1,566,525,500 | 469 |
| Average earning assets | $1,468,426,500 | 452 |
| Average equity | $144,859,000 | 482 |
| Average total loans | $1,112,576,000 | 472 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6501% | 6,933 |
| Cost of funding earning assets | 2.3829% | 4,796 |
| Net interest margin | 3.2672% | 6,151 |
| Noninterest income to average assets | 0.6406% | 3,548 |
| Noninterest expense to average assets | 1.3446% | 8,099 |
| Loan and lease loss provision to assets | 1.1904% | 1,212 |
| Net operating income to assets | 0.9043% | 2,978 |
| Return on assets (ROA) | 0.6514% | 3,950 |
| Pretax return on assets | 0.8003% | 4,068 |
| Return on Equity (ROE) | 7.6729% | 3,208 |
| Retained earnings to average equity (ytd only) | -0.9426% | 5,578 |
| Net charge-offs to loans | 0.9617% | 1,285 |
| Credit loss provision to net charge-offs | 164.4541% | 3,131 |
| Earnings coverage of net charge-offs (x) | 3.1816% | 4,496 |
| Efficiency ratio | 36.3956% | 8,186 |
| Assets per employee ($millions) | 9.5455% | 295 |
| Cash dividends to net income (ytd only)* | 112.2853% | 775 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4015% | 3,187 |
| Loan loss allowance to noncurrent loans | 71.9558% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.8438% | 2,681 |
| Noncurrent loans to loans | 1.9477% | 2,835 |
| Net loans and leases to total assets | 70.6852% | 3,859 |
| Net loans and leases to deposits | 93.9860% | 2,760 |
| Net loans and leases to core deposits | 123.2282% | 2,382 |
| Total domestic deposits to total assets | 75.2083% | 6,404 |
| Equity capital to assets | 9.3643% | 4,863 |
| Core capital (leverage) ratio | 9.3927% | 4,166 |
| Tier 1 risk-based capital ratio | 11.0100% | 5,719 |
| Total risk-based capital ratio | 13.0643% | 4,877 |
| Memoranda: |
| Average total assets | $1,394,518,800 | 499 |
| Average earning assets | $1,283,450,400 | 493 |
| Average equity | $118,390,400 | 578 |
| Average total loans | $1,049,627,000 | 475 |
