| 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 | 4.4397% | 3,208 |
| Cost of funding earning assets | 0.3340% | 4,352 |
| Net interest margin | 4.1057% | 1,067 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.3981% | 2,602 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.5029% | 1,012 |
| Return on assets (ROA) | 1.3291% | 1,337 |
| Pretax return on assets | 1.6681% | 1,124 |
| Return on Equity (ROE) | 13.3500% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.2904% | 1,188 |
| Net charge-offs to loans | 0.0235% | 1,844 |
| Credit loss provision to net charge-offs | 232.4324% | 1,123 |
| Earnings coverage of net charge-offs (x) | 124.6135% | 804 |
| Efficiency ratio | 54.9016% | 3,605 |
| Assets per employee ($millions) | 6.6243% | 2,324 |
| Cash dividends to net income (ytd only)* | 30.4052% | 2,524 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2264% | 2,134 |
| Loan loss allowance to noncurrent loans | 478.5286% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,259 |
| Noncurrent loans to loans | 0.2563% | 2,265 |
| Net loans and leases to total assets | 67.0700% | 2,138 |
| Net loans and leases to deposits | 85.5990% | 1,640 |
| Net loans and leases to core deposits | 87.6104% | 2,205 |
| Total domestic deposits to total assets | 78.3500% | 3,687 |
| Equity capital to assets | 10.7902% | 1,589 |
| Core capital (leverage) ratio | 11.1225% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9900% | 1,280 |
| Memoranda: |
| Average total assets | $2,400,804,600 | 488 |
| Average earning assets | $2,175,824,400 | 484 |
| Average equity | $239,032,000 | 466 |
| Average total loans | $1,577,715,400 | 497 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3675% | 3,162 |
| Cost of funding earning assets | 0.2294% | 4,415 |
| Net interest margin | 4.1381% | 1,005 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.3568% | 2,637 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5626% | 998 |
| Return on assets (ROA) | 1.5295% | 1,050 |
| Pretax return on assets | 1.9395% | 821 |
| Return on Equity (ROE) | 15.6900% | 1,309 |
| Retained earnings to average equity (ytd only) | 11.6134% | 1,044 |
| Net charge-offs to loans | 0.0246% | 1,586 |
| Credit loss provision to net charge-offs | 25.6055% | 1,989 |
| Earnings coverage of net charge-offs (x) | 124.5260% | 822 |
| Efficiency ratio | 53.4894% | 3,628 |
| Assets per employee ($millions) | 6.5794% | 2,264 |
| Cash dividends to net income (ytd only)* | 25.9828% | 2,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1921% | 2,402 |
| Loan loss allowance to noncurrent loans | 536.0045% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 2,441 |
| Noncurrent loans to loans | 0.2224% | 2,463 |
| Net loans and leases to total assets | 67.4100% | 2,118 |
| Net loans and leases to deposits | 80.9664% | 1,974 |
| Net loans and leases to core deposits | 83.7251% | 2,343 |
| Total domestic deposits to total assets | 83.2600% | 2,968 |
| Equity capital to assets | 10.0091% | 1,829 |
| Core capital (leverage) ratio | 11.1576% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0429% | 1,309 |
| Memoranda: |
| Average total assets | $2,401,507,500 | 494 |
| Average earning assets | $2,177,271,500 | 489 |
| Average equity | $234,103,000 | 474 |
| Average total loans | $1,565,077,250 | 503 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3007% | 3,100 |
| Cost of funding earning assets | 0.1395% | 4,487 |
| Net interest margin | 4.1612% | 982 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 2.3589% | 2,619 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.5811% | 976 |
| Return on assets (ROA) | 1.5334% | 1,042 |
| Pretax return on assets | 1.9344% | 825 |
| Return on Equity (ROE) | 15.8700% | 1,288 |
| Retained earnings to average equity (ytd only) | 11.7746% | 1,035 |
| Net charge-offs to loans | 0.0200% | 1,491 |
| Credit loss provision to net charge-offs | -113.5484% | 4,547 |
| Earnings coverage of net charge-offs (x) | 156.6581% | 733 |
| Efficiency ratio | 53.3184% | 3,663 |
| Assets per employee ($millions) | 6.7582% | 2,095 |
| Cash dividends to net income (ytd only)* | 25.8042% | 2,227 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2167% | 2,368 |
| Loan loss allowance to noncurrent loans | 523.3124% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,327 |
| Noncurrent loans to loans | 0.2325% | 2,332 |
| Net loans and leases to total assets | 65.9100% | 2,165 |
| Net loans and leases to deposits | 78.2929% | 2,106 |
| Net loans and leases to core deposits | 79.6561% | 2,494 |
| Total domestic deposits to total assets | 84.1900% | 2,780 |
| Equity capital to assets | 10.0534% | 1,824 |
| Core capital (leverage) ratio | 10.9305% | 1,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0720% | 1,304 |
| Memoranda: |
| Average total assets | $2,412,476,667 | 476 |
| Average earning assets | $2,190,022,000 | 478 |
| Average equity | $233,112,333 | 466 |
| Average total loans | $1,548,114,333 | 496 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3063% | 2,783 |
| Cost of funding earning assets | 0.1011% | 4,528 |
| Net interest margin | 4.2052% | 941 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.3391% | 2,704 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.5484% | 1,084 |
| Return on assets (ROA) | 1.5255% | 1,108 |
| Pretax return on assets | 1.9300% | 870 |
| Return on Equity (ROE) | 16.1000% | 1,338 |
| Retained earnings to average equity (ytd only) | 11.9754% | 1,276 |
| Net charge-offs to loans | 0.0237% | 1,210 |
| Credit loss provision to net charge-offs | 106.5934% | 1,083 |
| Earnings coverage of net charge-offs (x) | 135.3846% | 647 |
| Efficiency ratio | 53.0261% | 3,705 |
| Assets per employee ($millions) | 6.8330% | 2,088 |
| Cash dividends to net income (ytd only)* | 25.6261% | 1,847 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2720% | 2,176 |
| Loan loss allowance to noncurrent loans | 507.6863% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 2,248 |
| Noncurrent loans to loans | 0.2506% | 2,248 |
| Net loans and leases to total assets | 63.2400% | 2,332 |
| Net loans and leases to deposits | 72.8164% | 2,400 |
| Net loans and leases to core deposits | 74.1871% | 2,666 |
| Total domestic deposits to total assets | 86.8400% | 2,323 |
| Equity capital to assets | 9.8852% | 1,878 |
| Core capital (leverage) ratio | 10.3211% | 2,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9579% | 1,380 |
| Memoranda: |
| Average total assets | $2,439,405,000 | 478 |
| Average earning assets | $2,219,079,500 | 483 |
| Average equity | $231,107,500 | 476 |
| Average total loans | $1,535,263,000 | 511 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5468% | 2,951 |
| Cost of funding earning assets | 0.1090% | 4,351 |
| Net interest margin | 3.4378% | 2,139 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 1.9869% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3443% | 1,298 |
| Return on assets (ROA) | 1.3333% | 1,293 |
| Pretax return on assets | 1.6855% | 954 |
| Return on Equity (ROE) | 14.6200% | 1,361 |
| Retained earnings to average equity (ytd only) | 10.8532% | 919 |
| Net charge-offs to loans | 0.0778% | 866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 38.5060% | 1,527 |
| Efficiency ratio | 53.1193% | 3,867 |
| Assets per employee ($millions) | 7.0862% | 1,904 |
| Cash dividends to net income (ytd only)* | 25.7491% | 2,623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1608% | 2,576 |
| Loan loss allowance to noncurrent loans | 463.0801% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,324 |
| Noncurrent loans to loans | 0.2507% | 2,274 |
| Net loans and leases to total assets | 61.1500% | 2,535 |
| Net loans and leases to deposits | 69.0844% | 2,664 |
| Net loans and leases to core deposits | 70.7415% | 2,819 |
| Total domestic deposits to total assets | 88.5100% | 1,877 |
| Equity capital to assets | 9.0785% | 2,311 |
| Core capital (leverage) ratio | 9.4969% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7555% | 1,416 |
| Memoranda: |
| Average total assets | $2,655,559,200 | 430 |
| Average earning assets | $2,451,594,400 | 429 |
| Average equity | $242,231,800 | 453 |
| Average total loans | $1,506,433,400 | 478 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3156% | 3,135 |
| Cost of funding earning assets | 0.1114% | 4,187 |
| Net interest margin | 3.2042% | 2,609 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.8884% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2554% | 1,507 |
| Return on assets (ROA) | 1.2506% | 1,492 |
| Pretax return on assets | 1.5806% | 1,169 |
| Return on Equity (ROE) | 13.7000% | 1,508 |
| Retained earnings to average equity (ytd only) | 10.0510% | 1,327 |
| Net charge-offs to loans | 0.0962% | 640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 29.6966% | 1,524 |
| Efficiency ratio | 53.5180% | 3,863 |
| Assets per employee ($millions) | 7.3736% | 1,692 |
| Cash dividends to net income (ytd only)* | 26.6124% | 2,183 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1755% | 2,663 |
| Loan loss allowance to noncurrent loans | 460.0718% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 2,459 |
| Noncurrent loans to loans | 0.2555% | 2,357 |
| Net loans and leases to total assets | 57.3300% | 2,768 |
| Net loans and leases to deposits | 64.2898% | 2,846 |
| Net loans and leases to core deposits | 66.1846% | 2,943 |
| Total domestic deposits to total assets | 89.1800% | 2,015 |
| Equity capital to assets | 8.5249% | 2,527 |
| Core capital (leverage) ratio | 9.3877% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3145% | 1,335 |
| Memoranda: |
| Average total assets | $2,697,631,000 | 426 |
| Average earning assets | $2,497,338,500 | 420 |
| Average equity | $246,338,250 | 452 |
| Average total loans | $1,498,358,500 | 473 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0672% | 3,385 |
| Cost of funding earning assets | 0.1164% | 4,006 |
| Net interest margin | 2.9508% | 3,029 |
| Noninterest income to average assets | 0.4989% | 2,211 |
| Noninterest expense to average assets | 1.8314% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1167% | 1,716 |
| Return on assets (ROA) | 1.1132% | 1,703 |
| Pretax return on assets | 1.4037% | 1,430 |
| Return on Equity (ROE) | 11.9346% | 1,683 |
| Retained earnings to average equity (ytd only) | 8.3706% | 1,483 |
| Net charge-offs to loans | 0.0121% | 1,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 212.7444% | 522 |
| Efficiency ratio | 55.6438% | 3,809 |
| Assets per employee ($millions) | 7.8051% | 1,414 |
| Cash dividends to net income (ytd only)* | 29.8626% | 2,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2543% | 2,415 |
| Loan loss allowance to noncurrent loans | 362.4761% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 2,356 |
| Noncurrent loans to loans | 0.3460% | 2,113 |
| Net loans and leases to total assets | 56.0315% | 2,751 |
| Net loans and leases to deposits | 62.9042% | 2,815 |
| Net loans and leases to core deposits | 65.1717% | 2,885 |
| Total domestic deposits to total assets | 89.0744% | 2,150 |
| Equity capital to assets | 9.1533% | 2,277 |
| Core capital (leverage) ratio | 9.3810% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0876% | 1,165 |
| Memoranda: |
| Average total assets | $2,719,381,000 | 419 |
| Average earning assets | $2,525,793,667 | 414 |
| Average equity | $253,648,333 | 440 |
| Average total loans | $1,488,768,667 | 473 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8223% | 3,706 |
| Cost of funding earning assets | 0.1262% | 3,821 |
| Net interest margin | 2.6962% | 3,408 |
| Noninterest income to average assets | 0.4900% | 2,196 |
| Noninterest expense to average assets | 1.7110% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0212% | 1,793 |
| Return on assets (ROA) | 1.0156% | 1,801 |
| Pretax return on assets | 1.2821% | 1,558 |
| Return on Equity (ROE) | 10.7909% | 1,688 |
| Retained earnings to average equity (ytd only) | 7.3006% | 1,794 |
| Net charge-offs to loans | 0.0189% | 1,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 126.5429% | 596 |
| Efficiency ratio | 56.0832% | 3,871 |
| Assets per employee ($millions) | 7.5039% | 1,681 |
| Cash dividends to net income (ytd only)* | 32.3445% | 1,697 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2766% | 2,469 |
| Loan loss allowance to noncurrent loans | 344.3436% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 2,420 |
| Noncurrent loans to loans | 0.3707% | 2,159 |
| Net loans and leases to total assets | 53.8371% | 2,781 |
| Net loans and leases to deposits | 60.5782% | 2,844 |
| Net loans and leases to core deposits | 63.0672% | 2,882 |
| Total domestic deposits to total assets | 88.8721% | 2,134 |
| Equity capital to assets | 9.1905% | 2,533 |
| Core capital (leverage) ratio | 9.1993% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1981% | 1,215 |
| Memoranda: |
| Average total assets | $2,748,308,500 | 420 |
| Average earning assets | $2,558,739,000 | 413 |
| Average equity | $258,663,500 | 441 |
| Average total loans | $1,478,034,500 | 470 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1250% | 3,636 |
| Cost of funding earning assets | 0.2312% | 3,124 |
| Net interest margin | 2.8938% | 3,456 |
| Noninterest income to average assets | 0.5994% | 2,159 |
| Noninterest expense to average assets | 1.9781% | 3,745 |
| Loan and lease loss provision to assets | 0.0019% | 3,036 |
| Net operating income to assets | 1.0343% | 2,540 |
| Return on assets (ROA) | 1.0335% | 2,618 |
| Pretax return on assets | 1.3106% | 2,323 |
| Return on Equity (ROE) | 10.7255% | 2,266 |
| Retained earnings to average equity (ytd only) | 7.2592% | 1,822 |
| Net charge-offs to loans | 0.0797% | 1,008 |
| Credit loss provision to net charge-offs | 4.0225% | 2,320 |
| Earnings coverage of net charge-offs (x) | 28.3773% | 1,652 |
| Efficiency ratio | 59.1124% | 3,280 |
| Assets per employee ($millions) | 7.7019% | 1,494 |
| Cash dividends to net income (ytd only)* | 32.3184% | 2,422 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2942% | 2,387 |
| Loan loss allowance to noncurrent loans | 306.0460% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,435 |
| Noncurrent loans to loans | 0.4229% | 2,080 |
| Net loans and leases to total assets | 52.3531% | 3,020 |
| Net loans and leases to deposits | 59.4638% | 3,129 |
| Net loans and leases to core deposits | 62.1950% | 3,143 |
| Total domestic deposits to total assets | 88.0420% | 2,021 |
| Equity capital to assets | 9.6290% | 3,017 |
| Core capital (leverage) ratio | 8.8134% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5694% | 1,150 |
| Memoranda: |
| Average total assets | $2,685,322,800 | 409 |
| Average earning assets | $2,498,300,200 | 407 |
| Average equity | $258,747,800 | 429 |
| Average total loans | $1,558,684,000 | 456 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2007% | 3,606 |
| Cost of funding earning assets | 0.2511% | 3,117 |
| Net interest margin | 2.9496% | 3,440 |
| Noninterest income to average assets | 0.5915% | 2,243 |
| Noninterest expense to average assets | 1.8643% | 4,024 |
| Loan and lease loss provision to assets | 0.0025% | 2,918 |
| Net operating income to assets | 1.1527% | 2,353 |
| Return on assets (ROA) | 1.1519% | 2,414 |
| Pretax return on assets | 1.4646% | 2,099 |
| Return on Equity (ROE) | 11.9529% | 2,062 |
| Retained earnings to average equity (ytd only) | 8.4671% | 1,888 |
| Net charge-offs to loans | 0.0957% | 759 |
| Credit loss provision to net charge-offs | 4.4053% | 2,040 |
| Earnings coverage of net charge-offs (x) | 25.8396% | 1,608 |
| Efficiency ratio | 54.9579% | 3,663 |
| Assets per employee ($millions) | 7.7393% | 1,420 |
| Cash dividends to net income (ytd only)* | 29.1630% | 2,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2839% | 2,570 |
| Loan loss allowance to noncurrent loans | 316.4848% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 2,690 |
| Noncurrent loans to loans | 0.4057% | 2,344 |
| Net loans and leases to total assets | 52.9685% | 3,086 |
| Net loans and leases to deposits | 60.4581% | 3,193 |
| Net loans and leases to core deposits | 63.3024% | 3,196 |
| Total domestic deposits to total assets | 87.6120% | 2,055 |
| Equity capital to assets | 9.4854% | 3,385 |
| Core capital (leverage) ratio | 9.0394% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0714% | 1,338 |
| Memoranda: |
| Average total assets | $2,663,482,500 | 414 |
| Average earning assets | $2,475,026,750 | 411 |
| Average equity | $256,689,000 | 437 |
| Average total loans | $1,580,700,000 | 456 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2797% | 3,483 |
| Cost of funding earning assets | 0.2780% | 3,007 |
| Net interest margin | 3.0017% | 3,316 |
| Noninterest income to average assets | 0.6290% | 2,087 |
| Noninterest expense to average assets | 1.8871% | 3,993 |
| Loan and lease loss provision to assets | 0.0038% | 2,805 |
| Net operating income to assets | 1.1987% | 2,198 |
| Return on assets (ROA) | 1.1977% | 2,271 |
| Pretax return on assets | 1.5223% | 1,953 |
| Return on Equity (ROE) | 12.3591% | 1,927 |
| Retained earnings to average equity (ytd only) | 8.7978% | 1,781 |
| Net charge-offs to loans | 0.0086% | 1,819 |
| Credit loss provision to net charge-offs | 72.4638% | 1,512 |
| Earnings coverage of net charge-offs (x) | 290.5507% | 383 |
| Efficiency ratio | 54.2751% | 3,767 |
| Assets per employee ($millions) | 7.4427% | 1,512 |
| Cash dividends to net income (ytd only)* | 28.8150% | 2,102 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2950% | 2,464 |
| Loan loss allowance to noncurrent loans | 260.5338% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 2,485 |
| Noncurrent loans to loans | 0.4970% | 2,188 |
| Net loans and leases to total assets | 57.1672% | 2,769 |
| Net loans and leases to deposits | 65.4085% | 2,874 |
| Net loans and leases to core deposits | 68.3254% | 2,930 |
| Total domestic deposits to total assets | 87.4002% | 2,129 |
| Equity capital to assets | 9.6458% | 3,205 |
| Core capital (leverage) ratio | 9.0283% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3969% | 1,503 |
| Memoranda: |
| Average total assets | $2,625,175,000 | 415 |
| Average earning assets | $2,436,060,667 | 413 |
| Average equity | $254,404,333 | 438 |
| Average total loans | $1,610,659,667 | 445 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2204% | 3,645 |
| Cost of funding earning assets | 0.3146% | 2,848 |
| Net interest margin | 2.9058% | 3,501 |
| Noninterest income to average assets | 0.6431% | 2,054 |
| Noninterest expense to average assets | 1.9311% | 3,909 |
| Loan and lease loss provision to assets | 0.0077% | 2,669 |
| Net operating income to assets | 1.1027% | 2,468 |
| Return on assets (ROA) | 1.1006% | 2,550 |
| Pretax return on assets | 1.3955% | 2,292 |
| Return on Equity (ROE) | 11.3293% | 2,258 |
| Retained earnings to average equity (ytd only) | 7.8692% | 2,288 |
| Net charge-offs to loans | 0.0095% | 1,575 |
| Credit loss provision to net charge-offs | 128.2051% | 1,025 |
| Earnings coverage of net charge-offs (x) | 233.4615% | 359 |
| Efficiency ratio | 56.8388% | 3,446 |
| Assets per employee ($millions) | 7.2133% | 1,634 |
| Cash dividends to net income (ytd only)* | 30.5415% | 1,702 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2471% | 2,678 |
| Loan loss allowance to noncurrent loans | 241.8669% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 2,560 |
| Noncurrent loans to loans | 0.5156% | 2,307 |
| Net loans and leases to total assets | 60.6984% | 2,444 |
| Net loans and leases to deposits | 69.6406% | 2,544 |
| Net loans and leases to core deposits | 72.7349% | 2,639 |
| Total domestic deposits to total assets | 87.1596% | 2,249 |
| Equity capital to assets | 9.5158% | 3,186 |
| Core capital (leverage) ratio | 9.2081% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5736% | 1,717 |
| Memoranda: |
| Average total assets | $2,590,629,000 | 416 |
| Average earning assets | $2,401,714,000 | 413 |
| Average equity | $251,665,000 | 439 |
| Average total loans | $1,635,768,000 | 437 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0982% | 2,429 |
| Cost of funding earning assets | 0.5543% | 2,583 |
| Net interest margin | 3.5439% | 2,331 |
| Noninterest income to average assets | 0.6194% | 2,143 |
| Noninterest expense to average assets | 2.4343% | 3,039 |
| Loan and lease loss provision to assets | 0.4044% | 769 |
| Net operating income to assets | 0.8354% | 2,958 |
| Return on assets (ROA) | 0.8362% | 3,083 |
| Pretax return on assets | 1.0414% | 2,908 |
| Return on Equity (ROE) | 8.0828% | 2,781 |
| Retained earnings to average equity (ytd only) | 4.3685% | 2,608 |
| Net charge-offs to loans | 0.1721% | 964 |
| Credit loss provision to net charge-offs | 332.4845% | 1,627 |
| Earnings coverage of net charge-offs (x) | 11.8803% | 2,376 |
| Efficiency ratio | 61.6391% | 3,204 |
| Assets per employee ($millions) | 7.0983% | 1,514 |
| Cash dividends to net income (ytd only)* | 45.9524% | 2,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2267% | 2,808 |
| Loan loss allowance to noncurrent loans | 256.1550% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 2,753 |
| Noncurrent loans to loans | 0.4789% | 2,532 |
| Net loans and leases to total assets | 64.0878% | 2,350 |
| Net loans and leases to deposits | 74.2748% | 2,455 |
| Net loans and leases to core deposits | 77.8304% | 2,565 |
| Total domestic deposits to total assets | 86.2847% | 2,237 |
| Equity capital to assets | 9.9208% | 3,203 |
| Core capital (leverage) ratio | 9.0130% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1014% | 1,820 |
| Memoranda: |
| Average total assets | $2,260,319,400 | 430 |
| Average earning assets | $2,079,151,200 | 430 |
| Average equity | $233,831,200 | 445 |
| Average total loans | $1,596,997,400 | 422 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2277% | 2,313 |
| Cost of funding earning assets | 0.6044% | 2,582 |
| Net interest margin | 3.6233% | 2,181 |
| Noninterest income to average assets | 0.5972% | 2,190 |
| Noninterest expense to average assets | 2.5305% | 2,742 |
| Loan and lease loss provision to assets | 0.4931% | 603 |
| Net operating income to assets | 0.7268% | 3,364 |
| Return on assets (ROA) | 0.7280% | 3,460 |
| Pretax return on assets | 0.9014% | 3,381 |
| Return on Equity (ROE) | 6.9549% | 3,219 |
| Retained earnings to average equity (ytd only) | 3.1695% | 3,443 |
| Net charge-offs to loans | 0.2302% | 666 |
| Credit loss provision to net charge-offs | 296.1609% | 1,773 |
| Earnings coverage of net charge-offs (x) | 8.3664% | 2,504 |
| Efficiency ratio | 63.3509% | 2,856 |
| Assets per employee ($millions) | 6.8385% | 1,599 |
| Cash dividends to net income (ytd only)* | 54.4276% | 1,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1222% | 3,087 |
| Loan loss allowance to noncurrent loans | 222.5055% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 2,653 |
| Noncurrent loans to loans | 0.5043% | 2,539 |
| Net loans and leases to total assets | 67.9621% | 2,251 |
| Net loans and leases to deposits | 79.6725% | 2,351 |
| Net loans and leases to core deposits | 83.3297% | 2,542 |
| Total domestic deposits to total assets | 85.3019% | 2,316 |
| Equity capital to assets | 10.0888% | 3,157 |
| Core capital (leverage) ratio | 9.2172% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1725% | 2,121 |
| Memoranda: |
| Average total assets | $2,190,102,250 | 433 |
| Average earning assets | $2,010,618,500 | 432 |
| Average equity | $229,262,250 | 445 |
| Average total loans | $1,584,042,250 | 418 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4351% | 2,111 |
| Cost of funding earning assets | 0.6602% | 2,626 |
| Net interest margin | 3.7749% | 1,900 |
| Noninterest income to average assets | 0.6126% | 2,087 |
| Noninterest expense to average assets | 2.8458% | 1,986 |
| Loan and lease loss provision to assets | 0.6267% | 494 |
| Net operating income to assets | 0.4973% | 4,028 |
| Return on assets (ROA) | 0.4993% | 4,096 |
| Pretax return on assets | 0.6001% | 4,062 |
| Return on Equity (ROE) | 4.7024% | 3,914 |
| Retained earnings to average equity (ytd only) | 0.7965% | 4,138 |
| Net charge-offs to loans | 0.2636% | 597 |
| Credit loss provision to net charge-offs | 322.3425% | 1,563 |
| Earnings coverage of net charge-offs (x) | 6.2977% | 2,450 |
| Efficiency ratio | 68.7454% | 2,131 |
| Assets per employee ($millions) | 6.5533% | 1,739 |
| Cash dividends to net income (ytd only)* | 83.0619% | 702 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0551% | 3,296 |
| Loan loss allowance to noncurrent loans | 233.5582% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 2,851 |
| Noncurrent loans to loans | 0.4518% | 2,794 |
| Net loans and leases to total assets | 71.7557% | 1,760 |
| Net loans and leases to deposits | 84.3309% | 1,964 |
| Net loans and leases to core deposits | 88.4258% | 2,207 |
| Total domestic deposits to total assets | 85.0884% | 2,358 |
| Equity capital to assets | 10.2895% | 2,935 |
| Core capital (leverage) ratio | 9.4647% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $2,090,396,667 | 449 |
| Average earning assets | $1,914,637,000 | 445 |
| Average equity | $221,972,000 | 456 |
| Average total loans | $1,541,747,667 | 422 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7152% | 1,667 |
| Cost of funding earning assets | 0.7341% | 2,761 |
| Net interest margin | 3.9811% | 1,437 |
| Noninterest income to average assets | 0.6612% | 1,799 |
| Noninterest expense to average assets | 3.6413% | 765 |
| Loan and lease loss provision to assets | 0.8263% | 290 |
| Net operating income to assets | -0.0854% | 4,798 |
| Return on assets (ROA) | -0.0828% | 4,782 |
| Pretax return on assets | -0.1609% | 4,794 |
| Return on Equity (ROE) | -0.7654% | 4,789 |
| Retained earnings to average equity (ytd only) | -4.9017% | 4,512 |
| Net charge-offs to loans | 0.5497% | 271 |
| Credit loss provision to net charge-offs | 201.7146% | 1,410 |
| Earnings coverage of net charge-offs (x) | 1.6162% | 2,366 |
| Efficiency ratio | 83.4149% | 871 |
| Assets per employee ($millions) | 5.3762% | 2,247 |
| Cash dividends to net income (ytd only)* | -540.3990% | 5,105 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9841% | 3,790 |
| Loan loss allowance to noncurrent loans | 201.6024% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 2,849 |
| Noncurrent loans to loans | 0.4881% | 2,802 |
| Net loans and leases to total assets | 73.6164% | 1,677 |
| Net loans and leases to deposits | 87.6880% | 1,783 |
| Net loans and leases to core deposits | 93.4906% | 2,018 |
| Total domestic deposits to total assets | 83.9526% | 2,805 |
| Equity capital to assets | 11.1896% | 2,689 |
| Core capital (leverage) ratio | 10.2147% | 3,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $1,936,347,500 | 461 |
| Average earning assets | $1,771,469,500 | 463 |
| Average equity | $209,561,500 | 474 |
| Average total loans | $1,442,916,000 | 437 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5155% | 2,887 |
| Cost of funding earning assets | 0.6275% | 3,521 |
| Net interest margin | 3.8881% | 2,221 |
| Noninterest income to average assets | 0.6895% | 1,852 |
| Noninterest expense to average assets | 2.4758% | 3,512 |
| Loan and lease loss provision to assets | 0.0358% | 3,295 |
| Net operating income to assets | 1.4053% | 1,326 |
| Return on assets (ROA) | 1.4069% | 1,401 |
| Pretax return on assets | 1.7488% | 1,071 |
| Return on Equity (ROE) | 14.0946% | 880 |
| Retained earnings to average equity (ytd only) | 9.9612% | 498 |
| Net charge-offs to loans | 0.0565% | 2,296 |
| Credit loss provision to net charge-offs | 82.3045% | 2,764 |
| Earnings coverage of net charge-offs (x) | 41.0082% | 1,296 |
| Efficiency ratio | 57.6148% | 4,021 |
| Assets per employee ($millions) | 5.0179% | 2,570 |
| Cash dividends to net income (ytd only)* | 29.3265% | 3,109 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0851% | 3,033 |
| Loan loss allowance to noncurrent loans | 269.2682% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 3,126 |
| Noncurrent loans to loans | 0.4030% | 2,996 |
| Net loans and leases to total assets | 73.9216% | 1,771 |
| Net loans and leases to deposits | 88.7996% | 1,734 |
| Net loans and leases to core deposits | 93.2635% | 2,134 |
| Total domestic deposits to total assets | 83.2454% | 3,124 |
| Equity capital to assets | 10.3563% | 3,581 |
| Core capital (leverage) ratio | 9.9260% | 3,596 |
| Tier 1 risk-based capital ratio | 14.1305% | 3,203 |
| Total risk-based capital ratio | 15.2792% | 3,167 |
| Memoranda: |
| Average total assets | $1,676,999,200 | 505 |
| Average earning assets | $1,539,354,600 | 499 |
| Average equity | $167,390,200 | 552 |
| Average total loans | $1,290,616,600 | 469 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5260% | 2,970 |
| Cost of funding earning assets | 0.6085% | 3,650 |
| Net interest margin | 3.9175% | 2,198 |
| Noninterest income to average assets | 0.6797% | 1,867 |
| Noninterest expense to average assets | 2.4201% | 3,630 |
| Loan and lease loss provision to assets | 0.0339% | 3,223 |
| Net operating income to assets | 1.4658% | 1,286 |
| Return on assets (ROA) | 1.4681% | 1,336 |
| Pretax return on assets | 1.8224% | 1,024 |
| Return on Equity (ROE) | 14.8511% | 808 |
| Retained earnings to average equity (ytd only) | 10.6912% | 586 |
| Net charge-offs to loans | 0.0479% | 2,152 |
| Credit loss provision to net charge-offs | 91.3978% | 2,380 |
| Earnings coverage of net charge-offs (x) | 49.9165% | 1,193 |
| Efficiency ratio | 56.0951% | 4,161 |
| Assets per employee ($millions) | 5.1556% | 2,391 |
| Cash dividends to net income (ytd only)* | 28.0105% | 2,700 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0783% | 3,137 |
| Loan loss allowance to noncurrent loans | 285.5034% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 3,419 |
| Noncurrent loans to loans | 0.3777% | 3,203 |
| Net loans and leases to total assets | 74.1801% | 1,776 |
| Net loans and leases to deposits | 89.5693% | 1,751 |
| Net loans and leases to core deposits | 94.3138% | 2,154 |
| Total domestic deposits to total assets | 82.8187% | 3,222 |
| Equity capital to assets | 10.0636% | 3,954 |
| Core capital (leverage) ratio | 9.9724% | 3,662 |
| Tier 1 risk-based capital ratio | 13.7224% | 3,470 |
| Total risk-based capital ratio | 14.8686% | 3,424 |
| Memoranda: |
| Average total assets | $1,669,725,500 | 509 |
| Average earning assets | $1,531,751,750 | 501 |
| Average equity | $165,065,500 | 560 |
| Average total loans | $1,294,519,000 | 468 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5274% | 2,930 |
| Cost of funding earning assets | 0.5882% | 3,713 |
| Net interest margin | 3.9392% | 2,124 |
| Noninterest income to average assets | 0.6493% | 1,921 |
| Noninterest expense to average assets | 2.4384% | 3,636 |
| Loan and lease loss provision to assets | 0.0333% | 3,161 |
| Net operating income to assets | 1.4456% | 1,307 |
| Return on assets (ROA) | 1.4485% | 1,353 |
| Pretax return on assets | 1.7945% | 1,046 |
| Return on Equity (ROE) | 14.7447% | 810 |
| Retained earnings to average equity (ytd only) | 10.5765% | 624 |
| Net charge-offs to loans | 0.0281% | 2,296 |
| Credit loss provision to net charge-offs | 151.0989% | 1,480 |
| Earnings coverage of net charge-offs (x) | 82.8022% | 792 |
| Efficiency ratio | 56.6435% | 4,172 |
| Assets per employee ($millions) | 4.9420% | 2,548 |
| Cash dividends to net income (ytd only)* | 28.2694% | 2,704 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0963% | 3,097 |
| Loan loss allowance to noncurrent loans | 319.8407% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 3,511 |
| Noncurrent loans to loans | 0.3428% | 3,319 |
| Net loans and leases to total assets | 76.1477% | 1,520 |
| Net loans and leases to deposits | 91.5091% | 1,558 |
| Net loans and leases to core deposits | 95.9133% | 2,079 |
| Total domestic deposits to total assets | 83.2133% | 3,142 |
| Equity capital to assets | 10.0969% | 3,891 |
| Core capital (leverage) ratio | 9.8495% | 3,760 |
| Tier 1 risk-based capital ratio | 13.8002% | 3,424 |
| Total risk-based capital ratio | 14.9975% | 3,349 |
| Memoranda: |
| Average total assets | $1,652,305,330 | 515 |
| Average earning assets | $1,515,583,000 | 505 |
| Average equity | $162,322,670 | 565 |
| Average total loans | $1,295,593,670 | 465 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4682% | 2,974 |
| Cost of funding earning assets | 0.5544% | 3,803 |
| Net interest margin | 3.9138% | 2,145 |
| Noninterest income to average assets | 0.6285% | 1,921 |
| Noninterest expense to average assets | 2.4235% | 3,707 |
| Loan and lease loss provision to assets | 0.0365% | 2,892 |
| Net operating income to assets | 1.4192% | 1,326 |
| Return on assets (ROA) | 1.4224% | 1,347 |
| Pretax return on assets | 1.7619% | 1,071 |
| Return on Equity (ROE) | 14.6847% | 816 |
| Retained earnings to average equity (ytd only) | 10.6170% | 897 |
| Net charge-offs to loans | 0.0289% | 1,881 |
| Credit loss provision to net charge-offs | 159.5745% | 1,191 |
| Earnings coverage of net charge-offs (x) | 78.5426% | 778 |
| Efficiency ratio | 56.8860% | 4,227 |
| Assets per employee ($millions) | 4.9925% | 2,530 |
| Cash dividends to net income (ytd only)* | 27.6999% | 2,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0771% | 3,251 |
| Loan loss allowance to noncurrent loans | 225.9832% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 3,081 |
| Noncurrent loans to loans | 0.4766% | 2,884 |
| Net loans and leases to total assets | 77.6841% | 1,208 |
| Net loans and leases to deposits | 93.6003% | 1,218 |
| Net loans and leases to core deposits | 97.9553% | 1,779 |
| Total domestic deposits to total assets | 82.9955% | 3,387 |
| Equity capital to assets | 9.7832% | 4,022 |
| Core capital (leverage) ratio | 9.7731% | 3,839 |
| Tier 1 risk-based capital ratio | 13.2388% | 3,748 |
| Total risk-based capital ratio | 14.4164% | 3,704 |
| Memoranda: |
| Average total assets | $1,645,723,500 | 518 |
| Average earning assets | $1,509,333,500 | 511 |
| Average equity | $159,404,000 | 572 |
| Average total loans | $1,302,254,000 | 462 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3598% | 2,899 |
| Cost of funding earning assets | 0.4645% | 3,584 |
| Net interest margin | 3.8953% | 2,342 |
| Noninterest income to average assets | 0.6578% | 2,021 |
| Noninterest expense to average assets | 2.4471% | 3,750 |
| Loan and lease loss provision to assets | 0.1004% | 2,178 |
| Net operating income to assets | 1.3565% | 1,591 |
| Return on assets (ROA) | 1.3435% | 1,630 |
| Pretax return on assets | 1.6652% | 1,261 |
| Return on Equity (ROE) | 14.4952% | 941 |
| Retained earnings to average equity (ytd only) | 10.3063% | 569 |
| Net charge-offs to loans | 0.1293% | 1,459 |
| Credit loss provision to net charge-offs | 99.2647% | 2,577 |
| Earnings coverage of net charge-offs (x) | 17.6066% | 2,181 |
| Efficiency ratio | 57.2564% | 4,257 |
| Assets per employee ($millions) | 5.0275% | 2,461 |
| Cash dividends to net income (ytd only)* | 28.8984% | 3,091 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0718% | 3,259 |
| Loan loss allowance to noncurrent loans | 206.5070% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4233% | 2,870 |
| Noncurrent loans to loans | 0.5190% | 2,720 |
| Net loans and leases to total assets | 78.8833% | 1,117 |
| Net loans and leases to deposits | 95.0390% | 1,166 |
| Net loans and leases to core deposits | 99.4922% | 1,755 |
| Total domestic deposits to total assets | 83.0009% | 3,330 |
| Equity capital to assets | 9.5873% | 4,058 |
| Core capital (leverage) ratio | 9.4396% | 4,184 |
| Tier 1 risk-based capital ratio | 12.8929% | 3,906 |
| Total risk-based capital ratio | 14.0671% | 3,839 |
| Memoranda: |
| Average total assets | $1,612,818,200 | 508 |
| Average earning assets | $1,478,510,600 | 506 |
| Average equity | $149,490,800 | 572 |
| Average total loans | $1,261,725,600 | 460 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2875% | 3,013 |
| Cost of funding earning assets | 0.4464% | 3,545 |
| Net interest margin | 3.8411% | 2,497 |
| Noninterest income to average assets | 0.6471% | 2,087 |
| Noninterest expense to average assets | 2.4351% | 3,774 |
| Loan and lease loss provision to assets | 0.0639% | 2,698 |
| Net operating income to assets | 1.3379% | 1,711 |
| Return on assets (ROA) | 1.3387% | 1,719 |
| Pretax return on assets | 1.6693% | 1,352 |
| Return on Equity (ROE) | 14.5705% | 963 |
| Retained earnings to average equity (ytd only) | 10.3802% | 801 |
| Net charge-offs to loans | 0.1419% | 1,152 |
| Credit loss provision to net charge-offs | 57.8078% | 2,773 |
| Earnings coverage of net charge-offs (x) | 15.6786% | 2,203 |
| Efficiency ratio | 57.7999% | 4,155 |
| Assets per employee ($millions) | 5.0967% | 2,340 |
| Cash dividends to net income (ytd only)* | 28.7591% | 2,612 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0533% | 3,446 |
| Loan loss allowance to noncurrent loans | 212.7855% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 3,131 |
| Noncurrent loans to loans | 0.4950% | 2,908 |
| Net loans and leases to total assets | 77.0247% | 1,498 |
| Net loans and leases to deposits | 92.6895% | 1,537 |
| Net loans and leases to core deposits | 96.8620% | 2,039 |
| Total domestic deposits to total assets | 83.0997% | 3,268 |
| Equity capital to assets | 9.3473% | 4,229 |
| Core capital (leverage) ratio | 9.2933% | 4,408 |
| Tier 1 risk-based capital ratio | 12.7509% | 4,051 |
| Total risk-based capital ratio | 13.8963% | 4,015 |
| Memoranda: |
| Average total assets | $1,607,536,500 | 505 |
| Average earning assets | $1,473,209,000 | 504 |
| Average equity | $147,700,750 | 577 |
| Average total loans | $1,251,438,750 | 461 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2510% | 2,938 |
| Cost of funding earning assets | 0.4371% | 3,445 |
| Net interest margin | 3.8139% | 2,525 |
| Noninterest income to average assets | 0.6427% | 2,127 |
| Noninterest expense to average assets | 2.4698% | 3,717 |
| Loan and lease loss provision to assets | 0.0713% | 2,462 |
| Net operating income to assets | 1.2791% | 1,860 |
| Return on assets (ROA) | 1.2772% | 1,871 |
| Pretax return on assets | 1.5913% | 1,527 |
| Return on Equity (ROE) | 13.9833% | 1,077 |
| Retained earnings to average equity (ytd only) | 9.8411% | 967 |
| Net charge-offs to loans | 0.2256% | 706 |
| Credit loss provision to net charge-offs | 40.6272% | 2,558 |
| Earnings coverage of net charge-offs (x) | 9.4825% | 2,388 |
| Efficiency ratio | 59.0653% | 4,075 |
| Assets per employee ($millions) | 4.9889% | 2,432 |
| Cash dividends to net income (ytd only)* | 29.6227% | 2,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0531% | 3,518 |
| Loan loss allowance to noncurrent loans | 213.2219% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,133 |
| Noncurrent loans to loans | 0.4939% | 2,952 |
| Net loans and leases to total assets | 76.6363% | 1,543 |
| Net loans and leases to deposits | 91.8155% | 1,605 |
| Net loans and leases to core deposits | 95.5038% | 2,103 |
| Total domestic deposits to total assets | 83.4677% | 3,260 |
| Equity capital to assets | 9.2441% | 4,339 |
| Core capital (leverage) ratio | 9.1311% | 4,537 |
| Tier 1 risk-based capital ratio | 12.7120% | 4,053 |
| Total risk-based capital ratio | 13.8647% | 4,019 |
| Memoranda: |
| Average total assets | $1,598,040,000 | 508 |
| Average earning assets | $1,463,218,330 | 508 |
| Average equity | $145,959,330 | 579 |
| Average total loans | $1,244,065,670 | 461 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1811% | 2,942 |
| Cost of funding earning assets | 0.4276% | 3,384 |
| Net interest margin | 3.7535% | 2,601 |
| Noninterest income to average assets | 0.6397% | 2,074 |
| Noninterest expense to average assets | 2.4671% | 3,749 |
| Loan and lease loss provision to assets | 0.0628% | 2,518 |
| Net operating income to assets | 1.2457% | 1,826 |
| Return on assets (ROA) | 1.2407% | 1,853 |
| Pretax return on assets | 1.5433% | 1,555 |
| Return on Equity (ROE) | 13.6675% | 1,095 |
| Retained earnings to average equity (ytd only) | 9.7772% | 1,229 |
| Net charge-offs to loans | 0.2605% | 592 |
| Credit loss provision to net charge-offs | 30.9023% | 2,060 |
| Earnings coverage of net charge-offs (x) | 7.9295% | 2,058 |
| Efficiency ratio | 59.7967% | 4,091 |
| Assets per employee ($millions) | 4.9655% | 2,526 |
| Cash dividends to net income (ytd only)* | 28.4643% | 2,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0836% | 3,489 |
| Loan loss allowance to noncurrent loans | 208.0155% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 3,075 |
| Noncurrent loans to loans | 0.5209% | 2,958 |
| Net loans and leases to total assets | 76.6038% | 1,438 |
| Net loans and leases to deposits | 92.4823% | 1,390 |
| Net loans and leases to core deposits | 97.2306% | 1,886 |
| Total domestic deposits to total assets | 82.8308% | 3,716 |
| Equity capital to assets | 9.1082% | 4,451 |
| Core capital (leverage) ratio | 9.0853% | 4,581 |
| Tier 1 risk-based capital ratio | 12.6952% | 4,115 |
| Total risk-based capital ratio | 13.9011% | 4,048 |
| Memoranda: |
| Average total assets | $1,591,358,500 | 514 |
| Average earning assets | $1,458,377,500 | 514 |
| Average equity | $144,459,000 | 587 |
| Average total loans | $1,242,067,000 | 464 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1143% | 3,008 |
| Cost of funding earning assets | 0.4189% | 3,064 |
| Net interest margin | 3.6954% | 2,815 |
| Noninterest income to average assets | 0.6656% | 2,112 |
| Noninterest expense to average assets | 2.8070% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7347% | 3,451 |
| Return on assets (ROA) | 0.7347% | 3,495 |
| Pretax return on assets | 1.2492% | 2,559 |
| Return on Equity (ROE) | 8.5002% | 2,542 |
| Retained earnings to average equity (ytd only) | 4.0843% | 2,723 |
| Net charge-offs to loans | 0.0205% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 78.5596% | 782 |
| Efficiency ratio | 68.8078% | 2,745 |
| Assets per employee ($millions) | 4.8584% | 2,666 |
| Cash dividends to net income (ytd only)* | 51.9508% | 2,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1218% | 3,234 |
| Loan loss allowance to noncurrent loans | 177.7665% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 2,812 |
| Noncurrent loans to loans | 0.6310% | 2,642 |
| Net loans and leases to total assets | 77.7819% | 1,306 |
| Net loans and leases to deposits | 94.1373% | 1,256 |
| Net loans and leases to core deposits | 99.0676% | 1,785 |
| Total domestic deposits to total assets | 82.6259% | 3,684 |
| Equity capital to assets | 9.0469% | 4,672 |
| Core capital (leverage) ratio | 8.6951% | 4,957 |
| Tier 1 risk-based capital ratio | 12.3353% | 4,303 |
| Total risk-based capital ratio | 13.5845% | 4,218 |
| Memoranda: |
| Average total assets | $1,370,981,800 | 560 |
| Average earning assets | $1,257,904,000 | 558 |
| Average equity | $118,503,000 | 696 |
| Average total loans | $1,063,544,800 | 509 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0314% | 3,240 |
| Cost of funding earning assets | 0.4100% | 3,088 |
| Net interest margin | 3.6215% | 3,065 |
| Noninterest income to average assets | 0.6586% | 2,169 |
| Noninterest expense to average assets | 2.9481% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7618% | 3,686 |
| Return on assets (ROA) | 0.7618% | 3,748 |
| Pretax return on assets | 1.0353% | 3,545 |
| Return on Equity (ROE) | 8.9384% | 2,638 |
| Retained earnings to average equity (ytd only) | 4.3938% | 3,283 |
| Net charge-offs to loans | 0.0117% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 114.9699% | 637 |
| Efficiency ratio | 73.7313% | 1,935 |
| Assets per employee ($millions) | 5.1156% | 2,313 |
| Cash dividends to net income (ytd only)* | 50.8434% | 1,722 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1391% | 3,256 |
| Loan loss allowance to noncurrent loans | 169.5109% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 2,907 |
| Noncurrent loans to loans | 0.6720% | 2,692 |
| Net loans and leases to total assets | 76.6971% | 1,471 |
| Net loans and leases to deposits | 92.5759% | 1,485 |
| Net loans and leases to core deposits | 97.6064% | 1,916 |
| Total domestic deposits to total assets | 82.8478% | 3,510 |
| Equity capital to assets | 8.9393% | 4,965 |
| Core capital (leverage) ratio | 8.7679% | 5,005 |
| Tier 1 risk-based capital ratio | 12.2810% | 4,447 |
| Total risk-based capital ratio | 13.5311% | 4,343 |
| Memoranda: |
| Average total assets | $1,317,770,500 | 586 |
| Average earning assets | $1,209,830,750 | 583 |
| Average equity | $112,306,750 | 736 |
| Average total loans | $1,017,954,500 | 537 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8148% | 3,843 |
| Cost of funding earning assets | 0.3907% | 3,166 |
| Net interest margin | 3.4241% | 3,683 |
| Noninterest income to average assets | 0.6354% | 2,287 |
| Noninterest expense to average assets | 2.5802% | 3,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8877% | 2,975 |
| Return on assets (ROA) | 0.8877% | 3,033 |
| Pretax return on assets | 1.2031% | 2,763 |
| Return on Equity (ROE) | 10.6417% | 1,785 |
| Retained earnings to average equity (ytd only) | 5.8914% | 2,177 |
| Net charge-offs to loans | 0.0097% | 3,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 160.1957% | 477 |
| Efficiency ratio | 68.2001% | 2,973 |
| Assets per employee ($millions) | 4.6663% | 2,835 |
| Cash dividends to net income (ytd only)* | 44.6386% | 2,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4571% | 1,735 |
| Loan loss allowance to noncurrent loans | 155.4554% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7328% | 2,368 |
| Noncurrent loans to loans | 0.9373% | 2,095 |
| Net loans and leases to total assets | 76.5094% | 1,467 |
| Net loans and leases to deposits | 94.2530% | 1,237 |
| Net loans and leases to core deposits | 97.7612% | 1,831 |
| Total domestic deposits to total assets | 81.1745% | 4,138 |
| Equity capital to assets | 8.3107% | 5,405 |
| Core capital (leverage) ratio | 8.7989% | 4,950 |
| Tier 1 risk-based capital ratio | 12.6574% | 4,206 |
| Total risk-based capital ratio | 13.9122% | 4,120 |
| Memoranda: |
| Average total assets | $1,225,004,330 | 624 |
| Average earning assets | $1,126,190,670 | 621 |
| Average equity | $102,183,000 | 808 |
| Average total loans | $944,525,000 | 571 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7767% | 3,843 |
| Cost of funding earning assets | 0.3832% | 3,171 |
| Net interest margin | 3.3935% | 3,673 |
| Noninterest income to average assets | 0.6362% | 2,242 |
| Noninterest expense to average assets | 2.5296% | 3,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9041% | 2,736 |
| Return on assets (ROA) | 0.9041% | 2,793 |
| Pretax return on assets | 1.2275% | 2,484 |
| Return on Equity (ROE) | 10.8184% | 1,632 |
| Retained earnings to average equity (ytd only) | 6.0291% | 2,315 |
| Net charge-offs to loans | 0.0210% | 2,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 75.9184% | 680 |
| Efficiency ratio | 67.3283% | 3,297 |
| Assets per employee ($millions) | 4.5721% | 3,055 |
| Cash dividends to net income (ytd only)* | 44.2701% | 1,868 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4844% | 1,750 |
| Loan loss allowance to noncurrent loans | 288.4968% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 3,568 |
| Noncurrent loans to loans | 0.5145% | 3,273 |
| Net loans and leases to total assets | 76.3315% | 1,361 |
| Net loans and leases to deposits | 93.8320% | 1,124 |
| Net loans and leases to core deposits | 97.2405% | 1,727 |
| Total domestic deposits to total assets | 81.3491% | 4,331 |
| Equity capital to assets | 8.3115% | 5,350 |
| Core capital (leverage) ratio | 8.8543% | 4,899 |
| Tier 1 risk-based capital ratio | 12.6828% | 4,273 |
| Total risk-based capital ratio | 13.9380% | 4,173 |
| Memoranda: |
| Average total assets | $1,212,220,500 | 631 |
| Average earning assets | $1,114,833,000 | 626 |
| Average equity | $101,309,000 | 812 |
| Average total loans | $931,311,000 | 583 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7831% | 3,962 |
| Cost of funding earning assets | 0.3682% | 3,332 |
| Net interest margin | 3.4149% | 3,767 |
| Noninterest income to average assets | 0.7176% | 2,089 |
| Noninterest expense to average assets | 2.5983% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9172% | 2,737 |
| Return on assets (ROA) | 0.9172% | 2,848 |
| Pretax return on assets | 1.2553% | 2,448 |
| Return on Equity (ROE) | 10.7857% | 1,654 |
| Retained earnings to average equity (ytd only) | 5.8982% | 1,767 |
| Net charge-offs to loans | 0.0632% | 2,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 26.4412% | 1,549 |
| Efficiency ratio | 67.4241% | 3,362 |
| Assets per employee ($millions) | 4.4079% | 3,260 |
| Cash dividends to net income (ytd only)* | 45.3150% | 2,578 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5603% | 1,467 |
| Loan loss allowance to noncurrent loans | 242.7570% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.5109% | 3,223 |
| Noncurrent loans to loans | 0.6428% | 2,924 |
| Net loans and leases to total assets | 74.9645% | 1,700 |
| Net loans and leases to deposits | 91.6452% | 1,494 |
| Net loans and leases to core deposits | 94.8746% | 2,021 |
| Total domestic deposits to total assets | 81.7986% | 4,128 |
| Equity capital to assets | 8.4044% | 5,344 |
| Core capital (leverage) ratio | 8.8203% | 4,946 |
| Tier 1 risk-based capital ratio | 12.9591% | 4,105 |
| Total risk-based capital ratio | 14.2150% | 4,004 |
| Memoranda: |
| Average total assets | $1,164,783,200 | 622 |
| Average earning assets | $1,069,634,000 | 618 |
| Average equity | $99,048,000 | 796 |
| Average total loans | $874,802,200 | 580 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7812% | 3,979 |
| Cost of funding earning assets | 0.3685% | 3,347 |
| Net interest margin | 3.4128% | 3,801 |
| Noninterest income to average assets | 0.7239% | 2,063 |
| Noninterest expense to average assets | 2.6160% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9099% | 2,852 |
| Return on assets (ROA) | 0.9099% | 2,985 |
| Pretax return on assets | 1.2407% | 2,649 |
| Return on Equity (ROE) | 10.6679% | 1,797 |
| Retained earnings to average equity (ytd only) | 5.7675% | 2,318 |
| Net charge-offs to loans | 0.0399% | 2,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 41.5836% | 1,205 |
| Efficiency ratio | 67.8296% | 3,253 |
| Assets per employee ($millions) | 4.4830% | 3,116 |
| Cash dividends to net income (ytd only)* | 45.9357% | 2,080 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6579% | 1,310 |
| Loan loss allowance to noncurrent loans | 261.8471% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 3,486 |
| Noncurrent loans to loans | 0.6331% | 3,116 |
| Net loans and leases to total assets | 71.8000% | 2,222 |
| Net loans and leases to deposits | 88.3885% | 1,964 |
| Net loans and leases to core deposits | 91.4929% | 2,437 |
| Total domestic deposits to total assets | 81.2323% | 4,187 |
| Equity capital to assets | 8.4454% | 5,560 |
| Core capital (leverage) ratio | 8.8654% | 4,986 |
| Tier 1 risk-based capital ratio | 13.2411% | 4,013 |
| Total risk-based capital ratio | 14.4997% | 3,919 |
| Memoranda: |
| Average total assets | $1,157,342,250 | 625 |
| Average earning assets | $1,062,418,000 | 618 |
| Average equity | $98,711,250 | 801 |
| Average total loans | $866,082,750 | 577 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8040% | 3,941 |
| Cost of funding earning assets | 0.3696% | 3,358 |
| Net interest margin | 3.4344% | 3,743 |
| Noninterest income to average assets | 0.7433% | 1,961 |
| Noninterest expense to average assets | 2.6446% | 3,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9160% | 2,785 |
| Return on assets (ROA) | 0.9160% | 2,916 |
| Pretax return on assets | 1.2483% | 2,606 |
| Return on Equity (ROE) | 10.7027% | 1,758 |
| Retained earnings to average equity (ytd only) | 5.7660% | 2,259 |
| Net charge-offs to loans | 0.0257% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 64.3333% | 837 |
| Efficiency ratio | 67.9344% | 3,356 |
| Assets per employee ($millions) | 4.2700% | 3,431 |
| Cash dividends to net income (ytd only)* | 46.1260% | 2,140 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6866% | 1,299 |
| Loan loss allowance to noncurrent loans | 252.6934% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 3,328 |
| Noncurrent loans to loans | 0.6674% | 3,068 |
| Net loans and leases to total assets | 73.7278% | 1,893 |
| Net loans and leases to deposits | 91.8665% | 1,530 |
| Net loans and leases to core deposits | 94.9393% | 2,070 |
| Total domestic deposits to total assets | 80.2553% | 4,484 |
| Equity capital to assets | 8.6276% | 5,522 |
| Core capital (leverage) ratio | 8.9794% | 4,851 |
| Tier 1 risk-based capital ratio | 13.2429% | 4,046 |
| Total risk-based capital ratio | 14.5023% | 3,963 |
| Memoranda: |
| Average total assets | $1,144,138,670 | 632 |
| Average earning assets | $1,049,262,000 | 624 |
| Average equity | $97,919,000 | 807 |
| Average total loans | $863,477,000 | 578 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8168% | 3,887 |
| Cost of funding earning assets | 0.3673% | 3,426 |
| Net interest margin | 3.4496% | 3,667 |
| Noninterest income to average assets | 0.6220% | 2,403 |
| Noninterest expense to average assets | 2.6251% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8572% | 2,960 |
| Return on assets (ROA) | 0.8572% | 3,077 |
| Pretax return on assets | 1.1607% | 2,849 |
| Return on Equity (ROE) | 10.0577% | 1,960 |
| Retained earnings to average equity (ytd only) | 5.0742% | 2,895 |
| Net charge-offs to loans | 0.0961% | 1,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.9469% | 1,644 |
| Efficiency ratio | 69.3415% | 3,243 |
| Assets per employee ($millions) | 4.3175% | 3,379 |
| Cash dividends to net income (ytd only)* | 49.5488% | 1,769 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6754% | 1,417 |
| Loan loss allowance to noncurrent loans | 260.7604% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 3,454 |
| Noncurrent loans to loans | 0.6425% | 3,249 |
| Net loans and leases to total assets | 74.8633% | 1,581 |
| Net loans and leases to deposits | 92.8677% | 1,241 |
| Net loans and leases to core deposits | 95.8920% | 1,814 |
| Total domestic deposits to total assets | 80.6129% | 4,603 |
| Equity capital to assets | 8.5955% | 5,499 |
| Core capital (leverage) ratio | 9.0254% | 4,823 |
| Tier 1 risk-based capital ratio | 13.0532% | 4,235 |
| Total risk-based capital ratio | 14.3120% | 4,141 |
| Memoranda: |
| Average total assets | $1,137,626,000 | 638 |
| Average earning assets | $1,043,373,500 | 635 |
| Average equity | $96,960,500 | 813 |
| Average total loans | $861,322,000 | 577 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9016% | 3,704 |
| Cost of funding earning assets | 0.3774% | 3,400 |
| Net interest margin | 3.5242% | 3,435 |
| Noninterest income to average assets | 0.6801% | 2,290 |
| Noninterest expense to average assets | 2.6128% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9430% | 2,646 |
| Return on assets (ROA) | 0.9498% | 2,691 |
| Pretax return on assets | 1.3020% | 2,278 |
| Return on Equity (ROE) | 11.1069% | 1,580 |
| Retained earnings to average equity (ytd only) | 6.0029% | 1,788 |
| Net charge-offs to loans | 0.0516% | 3,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 33.5906% | 1,339 |
| Efficiency ratio | 66.9001% | 3,766 |
| Assets per employee ($millions) | 4.2846% | 3,421 |
| Cash dividends to net income (ytd only)* | 45.9529% | 2,537 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7252% | 1,295 |
| Loan loss allowance to noncurrent loans | 252.9069% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 3,398 |
| Noncurrent loans to loans | 0.6822% | 3,158 |
| Net loans and leases to total assets | 73.9851% | 1,734 |
| Net loans and leases to deposits | 91.4863% | 1,457 |
| Net loans and leases to core deposits | 94.7785% | 1,969 |
| Total domestic deposits to total assets | 80.8701% | 4,518 |
| Equity capital to assets | 8.4504% | 5,603 |
| Core capital (leverage) ratio | 8.8428% | 5,064 |
| Tier 1 risk-based capital ratio | 13.2228% | 4,152 |
| Total risk-based capital ratio | 14.4819% | 4,086 |
| Memoranda: |
| Average total assets | $1,104,335,600 | 637 |
| Average earning assets | $1,010,700,400 | 635 |
| Average equity | $94,437,200 | 806 |
| Average total loans | $823,378,200 | 571 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9283% | 3,641 |
| Cost of funding earning assets | 0.3819% | 3,407 |
| Net interest margin | 3.5464% | 3,356 |
| Noninterest income to average assets | 0.6760% | 2,349 |
| Noninterest expense to average assets | 2.6536% | 3,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9252% | 2,829 |
| Return on assets (ROA) | 0.9343% | 2,878 |
| Pretax return on assets | 1.2784% | 2,480 |
| Return on Equity (ROE) | 10.8921% | 1,745 |
| Retained earnings to average equity (ytd only) | 5.7707% | 2,386 |
| Net charge-offs to loans | 0.0670% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 25.3953% | 1,669 |
| Efficiency ratio | 67.7007% | 3,600 |
| Assets per employee ($millions) | 4.2409% | 3,441 |
| Cash dividends to net income (ytd only)* | 47.0197% | 2,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7861% | 1,297 |
| Loan loss allowance to noncurrent loans | 266.4621% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 3,659 |
| Noncurrent loans to loans | 0.6703% | 3,319 |
| Net loans and leases to total assets | 72.5004% | 1,979 |
| Net loans and leases to deposits | 90.1362% | 1,631 |
| Net loans and leases to core deposits | 93.5845% | 2,115 |
| Total domestic deposits to total assets | 80.4343% | 4,632 |
| Equity capital to assets | 8.5691% | 5,663 |
| Core capital (leverage) ratio | 8.9519% | 5,052 |
| Tier 1 risk-based capital ratio | 13.1908% | 4,330 |
| Total risk-based capital ratio | 14.4509% | 4,243 |
| Memoranda: |
| Average total assets | $1,096,562,250 | 644 |
| Average earning assets | $1,002,917,250 | 646 |
| Average equity | $94,059,500 | 817 |
| Average total loans | $815,524,000 | 573 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9872% | 3,345 |
| Cost of funding earning assets | 0.3863% | 3,413 |
| Net interest margin | 3.6009% | 3,093 |
| Noninterest income to average assets | 0.6706% | 2,352 |
| Noninterest expense to average assets | 2.6873% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9305% | 2,730 |
| Return on assets (ROA) | 0.9441% | 2,782 |
| Pretax return on assets | 1.2927% | 2,392 |
| Return on Equity (ROE) | 11.0026% | 1,678 |
| Retained earnings to average equity (ytd only) | 5.8502% | 2,327 |
| Net charge-offs to loans | 0.0756% | 2,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 22.5961% | 1,639 |
| Efficiency ratio | 67.8366% | 3,695 |
| Assets per employee ($millions) | 4.0964% | 3,690 |
| Cash dividends to net income (ytd only)* | 46.8288% | 2,070 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8174% | 1,335 |
| Loan loss allowance to noncurrent loans | 255.6320% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 3,395 |
| Noncurrent loans to loans | 0.7110% | 3,359 |
| Net loans and leases to total assets | 73.4233% | 1,750 |
| Net loans and leases to deposits | 91.4497% | 1,433 |
| Net loans and leases to core deposits | 94.3457% | 1,926 |
| Total domestic deposits to total assets | 80.2882% | 4,799 |
| Equity capital to assets | 8.6401% | 5,571 |
| Core capital (leverage) ratio | 8.8417% | 5,171 |
| Tier 1 risk-based capital ratio | 12.9833% | 4,528 |
| Total risk-based capital ratio | 14.2430% | 4,439 |
| Memoranda: |
| Average total assets | $1,088,881,000 | 650 |
| Average earning assets | $995,130,000 | 653 |
| Average equity | $93,432,670 | 826 |
| Average total loans | $811,871,670 | 575 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9499% | 3,418 |
| Cost of funding earning assets | 0.3832% | 3,493 |
| Net interest margin | 3.5667% | 3,142 |
| Noninterest income to average assets | 0.6406% | 2,444 |
| Noninterest expense to average assets | 2.6453% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9097% | 2,698 |
| Return on assets (ROA) | 0.9097% | 2,824 |
| Pretax return on assets | 1.2540% | 2,451 |
| Return on Equity (ROE) | 10.6395% | 1,751 |
| Retained earnings to average equity (ytd only) | 5.4597% | 2,800 |
| Net charge-offs to loans | 0.0529% | 2,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 31.8318% | 1,116 |
| Efficiency ratio | 67.8406% | 3,854 |
| Assets per employee ($millions) | 4.1208% | 3,724 |
| Cash dividends to net income (ytd only)* | 48.6847% | 1,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8444% | 1,406 |
| Loan loss allowance to noncurrent loans | 195.5985% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8718% | 2,896 |
| Noncurrent loans to loans | 0.9429% | 2,892 |
| Net loans and leases to total assets | 73.1426% | 1,632 |
| Net loans and leases to deposits | 91.0154% | 1,293 |
| Net loans and leases to core deposits | 95.2435% | 1,676 |
| Total domestic deposits to total assets | 80.3629% | 4,970 |
| Equity capital to assets | 8.5419% | 5,710 |
| Core capital (leverage) ratio | 8.9221% | 5,049 |
| Tier 1 risk-based capital ratio | 13.0001% | 4,604 |
| Total risk-based capital ratio | 14.2612% | 4,517 |
| Memoranda: |
| Average total assets | $1,086,458,500 | 650 |
| Average earning assets | $992,634,500 | 648 |
| Average equity | $92,899,500 | 831 |
| Average total loans | $808,850,000 | 570 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9321% | 4,006 |
| Cost of funding earning assets | 0.3734% | 4,001 |
| Net interest margin | 3.5587% | 3,562 |
| Noninterest income to average assets | 0.6680% | 2,464 |
| Noninterest expense to average assets | 2.6447% | 4,070 |
| Loan and lease loss provision to assets | 0.0143% | 4,326 |
| Net operating income to assets | 0.8999% | 2,870 |
| Return on assets (ROA) | 0.9041% | 2,941 |
| Pretax return on assets | 1.2510% | 2,436 |
| Return on Equity (ROE) | 10.2837% | 1,992 |
| Retained earnings to average equity (ytd only) | 5.0751% | 2,548 |
| Net charge-offs to loans | 0.1413% | 2,613 |
| Credit loss provision to net charge-offs | 14.0318% | 4,056 |
| Earnings coverage of net charge-offs (x) | 12.3517% | 2,386 |
| Efficiency ratio | 67.7408% | 3,939 |
| Assets per employee ($millions) | 4.0329% | 3,877 |
| Cash dividends to net income (ytd only)* | 50.6488% | 2,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8944% | 1,330 |
| Loan loss allowance to noncurrent loans | 183.1482% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 2,918 |
| Noncurrent loans to loans | 1.0343% | 2,757 |
| Net loans and leases to total assets | 72.9694% | 1,763 |
| Net loans and leases to deposits | 92.3792% | 1,248 |
| Net loans and leases to core deposits | 96.2766% | 1,694 |
| Total domestic deposits to total assets | 78.9890% | 5,251 |
| Equity capital to assets | 8.5596% | 5,684 |
| Core capital (leverage) ratio | 8.8580% | 5,171 |
| Tier 1 risk-based capital ratio | 12.7483% | 4,888 |
| Total risk-based capital ratio | 14.0090% | 4,788 |
| Memoranda: |
| Average total assets | $1,048,400,800 | 642 |
| Average earning assets | $953,390,000 | 648 |
| Average equity | $92,175,400 | 803 |
| Average total loans | $756,346,400 | 577 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9444% | 3,995 |
| Cost of funding earning assets | 0.3737% | 4,089 |
| Net interest margin | 3.5706% | 3,548 |
| Noninterest income to average assets | 0.6593% | 2,527 |
| Noninterest expense to average assets | 2.6460% | 4,031 |
| Loan and lease loss provision to assets | 0.0192% | 4,021 |
| Net operating income to assets | 0.8968% | 2,921 |
| Return on assets (ROA) | 0.9018% | 3,001 |
| Pretax return on assets | 1.2453% | 2,592 |
| Return on Equity (ROE) | 10.1874% | 2,126 |
| Retained earnings to average equity (ytd only) | 4.9816% | 3,091 |
| Net charge-offs to loans | 0.1467% | 2,326 |
| Credit loss provision to net charge-offs | 18.2927% | 3,598 |
| Earnings coverage of net charge-offs (x) | 11.9780% | 2,356 |
| Efficiency ratio | 67.7830% | 3,895 |
| Assets per employee ($millions) | 3.9822% | 3,931 |
| Cash dividends to net income (ytd only)* | 51.1004% | 1,793 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0084% | 1,243 |
| Loan loss allowance to noncurrent loans | 178.2981% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.9795% | 3,004 |
| Noncurrent loans to loans | 1.1264% | 2,808 |
| Net loans and leases to total assets | 71.2981% | 1,972 |
| Net loans and leases to deposits | 90.5565% | 1,373 |
| Net loans and leases to core deposits | 92.6546% | 1,982 |
| Total domestic deposits to total assets | 78.7333% | 5,384 |
| Equity capital to assets | 8.9039% | 5,456 |
| Core capital (leverage) ratio | 8.9364% | 5,143 |
| Tier 1 risk-based capital ratio | 12.8121% | 4,968 |
| Total risk-based capital ratio | 14.0730% | 4,880 |
| Memoranda: |
| Average total assets | $1,041,305,000 | 642 |
| Average earning assets | $946,136,250 | 645 |
| Average equity | $92,177,250 | 804 |
| Average total loans | $745,209,250 | 583 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9541% | 3,917 |
| Cost of funding earning assets | 0.3741% | 4,165 |
| Net interest margin | 3.5800% | 3,443 |
| Noninterest income to average assets | 0.6454% | 2,572 |
| Noninterest expense to average assets | 2.6615% | 4,016 |
| Loan and lease loss provision to assets | 0.0289% | 3,694 |
| Net operating income to assets | 0.8767% | 2,924 |
| Return on assets (ROA) | 0.8840% | 2,978 |
| Pretax return on assets | 1.2178% | 2,584 |
| Return on Equity (ROE) | 10.0063% | 2,154 |
| Retained earnings to average equity (ytd only) | 4.7695% | 3,107 |
| Net charge-offs to loans | 0.1296% | 2,369 |
| Credit loss provision to net charge-offs | 31.3808% | 3,042 |
| Earnings coverage of net charge-offs (x) | 13.4100% | 1,976 |
| Efficiency ratio | 68.2752% | 3,953 |
| Assets per employee ($millions) | 3.9576% | 3,932 |
| Cash dividends to net income (ytd only)* | 52.3352% | 1,833 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0981% | 1,176 |
| Loan loss allowance to noncurrent loans | 214.0258% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 3,431 |
| Noncurrent loans to loans | 0.9803% | 3,274 |
| Net loans and leases to total assets | 70.4005% | 2,018 |
| Net loans and leases to deposits | 88.9129% | 1,491 |
| Net loans and leases to core deposits | 92.0757% | 1,937 |
| Total domestic deposits to total assets | 79.1792% | 5,421 |
| Equity capital to assets | 8.9025% | 5,407 |
| Core capital (leverage) ratio | 8.9032% | 5,155 |
| Tier 1 risk-based capital ratio | 12.9917% | 4,915 |
| Total risk-based capital ratio | 14.2541% | 4,843 |
| Memoranda: |
| Average total assets | $1,036,643,000 | 643 |
| Average earning assets | $941,904,000 | 647 |
| Average equity | $91,582,330 | 800 |
| Average total loans | $737,671,330 | 585 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9670% | 3,825 |
| Cost of funding earning assets | 0.3747% | 4,257 |
| Net interest margin | 3.5923% | 3,277 |
| Noninterest income to average assets | 0.5954% | 2,761 |
| Noninterest expense to average assets | 2.6478% | 4,121 |
| Loan and lease loss provision to assets | 0.0581% | 2,954 |
| Net operating income to assets | 0.8402% | 2,950 |
| Return on assets (ROA) | 0.8402% | 3,024 |
| Pretax return on assets | 1.1540% | 2,679 |
| Return on Equity (ROE) | 9.5481% | 2,229 |
| Retained earnings to average equity (ytd only) | 4.2744% | 3,559 |
| Net charge-offs to loans | 0.0449% | 2,756 |
| Credit loss provision to net charge-offs | 182.9268% | 1,112 |
| Earnings coverage of net charge-offs (x) | 38.1585% | 906 |
| Efficiency ratio | 68.5969% | 4,080 |
| Assets per employee ($millions) | 4.0652% | 3,792 |
| Cash dividends to net income (ytd only)* | 55.2328% | 1,542 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2058% | 1,151 |
| Loan loss allowance to noncurrent loans | 185.5011% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0385% | 3,178 |
| Noncurrent loans to loans | 1.1891% | 3,056 |
| Net loans and leases to total assets | 69.3812% | 1,997 |
| Net loans and leases to deposits | 87.2141% | 1,447 |
| Net loans and leases to core deposits | 89.5477% | 1,954 |
| Total domestic deposits to total assets | 79.5527% | 5,583 |
| Equity capital to assets | 8.8556% | 5,267 |
| Core capital (leverage) ratio | 8.8682% | 5,177 |
| Tier 1 risk-based capital ratio | 13.0383% | 4,985 |
| Total risk-based capital ratio | 14.3016% | 4,908 |
| Memoranda: |
| Average total assets | $1,032,562,500 | 647 |
| Average earning assets | $938,343,500 | 652 |
| Average equity | $90,866,500 | 806 |
| Average total loans | $730,852,000 | 593 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9970% | 4,091 |
| Cost of funding earning assets | 0.4138% | 4,494 |
| Net interest margin | 3.5832% | 3,536 |
| Noninterest income to average assets | 0.6849% | 2,625 |
| Noninterest expense to average assets | 2.6434% | 4,304 |
| Loan and lease loss provision to assets | 0.1412% | 2,542 |
| Net operating income to assets | 0.8613% | 2,969 |
| Return on assets (ROA) | 0.8613% | 3,054 |
| Pretax return on assets | 1.1803% | 2,655 |
| Return on Equity (ROE) | 10.1593% | 2,051 |
| Retained earnings to average equity (ytd only) | 4.6666% | 2,837 |
| Net charge-offs to loans | 0.3055% | 2,157 |
| Credit loss provision to net charge-offs | 66.3919% | 3,394 |
| Earnings coverage of net charge-offs (x) | 6.2129% | 3,105 |
| Efficiency ratio | 66.6691% | 4,434 |
| Assets per employee ($millions) | 4.0335% | 3,797 |
| Cash dividends to net income (ytd only)* | 54.0654% | 2,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2068% | 1,164 |
| Loan loss allowance to noncurrent loans | 153.2622% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1874% | 3,026 |
| Noncurrent loans to loans | 1.4399% | 2,732 |
| Net loans and leases to total assets | 69.0563% | 2,163 |
| Net loans and leases to deposits | 88.5573% | 1,406 |
| Net loans and leases to core deposits | 90.4628% | 1,969 |
| Total domestic deposits to total assets | 77.9792% | 5,832 |
| Equity capital to assets | 8.7446% | 5,316 |
| Core capital (leverage) ratio | 8.7623% | 5,347 |
| Tier 1 risk-based capital ratio | 12.9948% | 4,975 |
| Total risk-based capital ratio | 14.2580% | 4,919 |
| Memoranda: |
| Average total assets | $1,026,760,000 | 640 |
| Average earning assets | $939,890,600 | 631 |
| Average equity | $87,043,800 | 812 |
| Average total loans | $714,859,800 | 590 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0032% | 4,123 |
| Cost of funding earning assets | 0.4271% | 4,526 |
| Net interest margin | 3.5761% | 3,552 |
| Noninterest income to average assets | 0.6922% | 2,651 |
| Noninterest expense to average assets | 2.6429% | 4,233 |
| Loan and lease loss provision to assets | 0.1691% | 2,149 |
| Net operating income to assets | 0.8482% | 3,106 |
| Return on assets (ROA) | 0.8482% | 3,221 |
| Pretax return on assets | 1.1577% | 2,856 |
| Return on Equity (ROE) | 10.0858% | 2,146 |
| Retained earnings to average equity (ytd only) | 4.5458% | 3,436 |
| Net charge-offs to loans | 0.2489% | 2,322 |
| Credit loss provision to net charge-offs | 97.8916% | 2,437 |
| Earnings coverage of net charge-offs (x) | 7.6830% | 2,758 |
| Efficiency ratio | 66.5771% | 4,383 |
| Assets per employee ($millions) | 4.0017% | 3,827 |
| Cash dividends to net income (ytd only)* | 54.9286% | 1,653 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3373% | 1,124 |
| Loan loss allowance to noncurrent loans | 177.5394% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 1.0847% | 3,487 |
| Noncurrent loans to loans | 1.3165% | 3,215 |
| Net loans and leases to total assets | 68.7804% | 2,183 |
| Net loans and leases to deposits | 85.2323% | 1,713 |
| Net loans and leases to core deposits | 87.0387% | 2,279 |
| Total domestic deposits to total assets | 80.6975% | 5,303 |
| Equity capital to assets | 8.4878% | 5,746 |
| Core capital (leverage) ratio | 8.6671% | 5,581 |
| Tier 1 risk-based capital ratio | 13.0908% | 5,061 |
| Total risk-based capital ratio | 14.3562% | 5,003 |
| Memoranda: |
| Average total assets | $1,025,308,250 | 644 |
| Average earning assets | $939,690,750 | 636 |
| Average equity | $86,231,250 | 826 |
| Average total loans | $711,288,750 | 589 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0388% | 3,965 |
| Cost of funding earning assets | 0.4458% | 4,474 |
| Net interest margin | 3.5930% | 3,390 |
| Noninterest income to average assets | 0.6924% | 2,678 |
| Noninterest expense to average assets | 2.6091% | 4,346 |
| Loan and lease loss provision to assets | 0.2240% | 1,691 |
| Net operating income to assets | 0.8460% | 3,065 |
| Return on assets (ROA) | 0.8460% | 3,216 |
| Pretax return on assets | 1.1522% | 2,874 |
| Return on Equity (ROE) | 10.0901% | 2,163 |
| Retained earnings to average equity (ytd only) | 4.5456% | 3,375 |
| Net charge-offs to loans | 0.2077% | 2,518 |
| Credit loss provision to net charge-offs | 156.2500% | 1,478 |
| Earnings coverage of net charge-offs (x) | 9.6005% | 2,257 |
| Efficiency ratio | 65.4694% | 4,637 |
| Assets per employee ($millions) | 4.0177% | 3,760 |
| Cash dividends to net income (ytd only)* | 54.9494% | 1,659 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4521% | 1,036 |
| Loan loss allowance to noncurrent loans | 164.4002% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.2661% | 3,230 |
| Noncurrent loans to loans | 1.4916% | 3,070 |
| Net loans and leases to total assets | 66.9371% | 2,425 |
| Net loans and leases to deposits | 82.5994% | 1,979 |
| Net loans and leases to core deposits | 84.6192% | 2,475 |
| Total domestic deposits to total assets | 81.0382% | 5,331 |
| Equity capital to assets | 8.3621% | 5,905 |
| Core capital (leverage) ratio | 8.5538% | 5,606 |
| Tier 1 risk-based capital ratio | 13.2052% | 4,989 |
| Total risk-based capital ratio | 14.4723% | 4,917 |
| Memoranda: |
| Average total assets | $1,026,935,000 | 643 |
| Average earning assets | $941,163,330 | 634 |
| Average equity | $86,104,330 | 825 |
| Average total loans | $708,834,670 | 589 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1004% | 3,726 |
| Cost of funding earning assets | 0.4697% | 4,375 |
| Net interest margin | 3.6308% | 3,137 |
| Noninterest income to average assets | 0.7057% | 2,561 |
| Noninterest expense to average assets | 2.5747% | 4,490 |
| Loan and lease loss provision to assets | 0.2529% | 1,417 |
| Net operating income to assets | 0.8828% | 2,737 |
| Return on assets (ROA) | 0.8828% | 2,880 |
| Pretax return on assets | 1.2045% | 2,551 |
| Return on Equity (ROE) | 10.5142% | 1,867 |
| Retained earnings to average equity (ytd only) | 4.9860% | 3,244 |
| Net charge-offs to loans | -0.0062% | 5,311 |
| Credit loss provision to net charge-offs | -5,909.0909% | 5,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8557% | 5,028 |
| Assets per employee ($millions) | 4.0371% | 3,868 |
| Cash dividends to net income (ytd only)* | 52.5782% | 1,496 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4675% | 1,153 |
| Loan loss allowance to noncurrent loans | 187.8195% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 3,356 |
| Noncurrent loans to loans | 1.3138% | 3,591 |
| Net loans and leases to total assets | 67.6706% | 2,078 |
| Net loans and leases to deposits | 82.7944% | 1,734 |
| Net loans and leases to core deposits | 84.8104% | 2,231 |
| Total domestic deposits to total assets | 81.7333% | 5,286 |
| Equity capital to assets | 8.4853% | 6,032 |
| Core capital (leverage) ratio | 8.4927% | 5,604 |
| Tier 1 risk-based capital ratio | 13.0696% | 5,165 |
| Total risk-based capital ratio | 14.3395% | 5,103 |
| Memoranda: |
| Average total assets | $1,028,142,500 | 649 |
| Average earning assets | $941,948,000 | 641 |
| Average equity | $86,321,000 | 831 |
| Average total loans | $711,740,500 | 591 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3081% | 4,161 |
| Cost of funding earning assets | 0.6378% | 4,026 |
| Net interest margin | 3.6704% | 3,782 |
| Noninterest income to average assets | 0.6869% | 2,789 |
| Noninterest expense to average assets | 2.5054% | 5,074 |
| Loan and lease loss provision to assets | 0.4576% | 1,375 |
| Net operating income to assets | 0.8165% | 3,210 |
| Return on assets (ROA) | 0.8170% | 3,452 |
| Pretax return on assets | 1.0937% | 3,183 |
| Return on Equity (ROE) | 9.8221% | 2,245 |
| Retained earnings to average equity (ytd only) | 4.2186% | 3,262 |
| Net charge-offs to loans | 0.4741% | 2,340 |
| Credit loss provision to net charge-offs | 140.3061% | 1,964 |
| Earnings coverage of net charge-offs (x) | 4.7545% | 3,268 |
| Efficiency ratio | 61.7703% | 5,270 |
| Assets per employee ($millions) | 4.1231% | 3,700 |
| Cash dividends to net income (ytd only)* | 57.0504% | 1,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3537% | 1,301 |
| Loan loss allowance to noncurrent loans | 237.0386% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 3,818 |
| Noncurrent loans to loans | 0.9930% | 4,207 |
| Net loans and leases to total assets | 67.4454% | 2,290 |
| Net loans and leases to deposits | 83.4108% | 1,828 |
| Net loans and leases to core deposits | 85.4781% | 2,377 |
| Total domestic deposits to total assets | 80.8594% | 5,440 |
| Equity capital to assets | 8.3075% | 6,195 |
| Core capital (leverage) ratio | 8.1405% | 6,051 |
| Tier 1 risk-based capital ratio | 12.8027% | 5,250 |
| Total risk-based capital ratio | 14.0716% | 5,176 |
| Memoranda: |
| Average total assets | $1,021,674,400 | 651 |
| Average earning assets | $937,811,200 | 634 |
| Average equity | $84,981,400 | 827 |
| Average total loans | $702,750,400 | 587 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3404% | 4,291 |
| Cost of funding earning assets | 0.6643% | 4,073 |
| Net interest margin | 3.6761% | 3,898 |
| Noninterest income to average assets | 0.6816% | 2,808 |
| Noninterest expense to average assets | 2.5415% | 4,953 |
| Loan and lease loss provision to assets | 0.4419% | 1,430 |
| Net operating income to assets | 0.8095% | 3,402 |
| Return on assets (ROA) | 0.8102% | 3,640 |
| Pretax return on assets | 1.0775% | 3,430 |
| Return on Equity (ROE) | 9.7370% | 2,480 |
| Retained earnings to average equity (ytd only) | 4.1195% | 4,004 |
| Net charge-offs to loans | 0.5457% | 1,968 |
| Credit loss provision to net charge-offs | 117.8422% | 2,461 |
| Earnings coverage of net charge-offs (x) | 4.0496% | 3,419 |
| Efficiency ratio | 62.5992% | 5,054 |
| Assets per employee ($millions) | 4.1252% | 3,638 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,366 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2663% | 1,588 |
| Loan loss allowance to noncurrent loans | 188.8194% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 1.2761% | 3,736 |
| Noncurrent loans to loans | 1.2002% | 4,048 |
| Net loans and leases to total assets | 65.8241% | 2,686 |
| Net loans and leases to deposits | 82.7088% | 2,024 |
| Net loans and leases to core deposits | 84.7654% | 2,608 |
| Total domestic deposits to total assets | 79.5854% | 5,751 |
| Equity capital to assets | 8.2624% | 6,450 |
| Core capital (leverage) ratio | 8.2078% | 6,134 |
| Tier 1 risk-based capital ratio | 12.7510% | 5,442 |
| Total risk-based capital ratio | 14.0191% | 5,384 |
| Memoranda: |
| Average total assets | $1,018,366,000 | 657 |
| Average earning assets | $935,895,500 | 640 |
| Average equity | $84,733,000 | 831 |
| Average total loans | $699,732,250 | 591 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4083% | 4,155 |
| Cost of funding earning assets | 0.6839% | 4,153 |
| Net interest margin | 3.7245% | 3,707 |
| Noninterest income to average assets | 0.6669% | 2,854 |
| Noninterest expense to average assets | 2.5942% | 4,796 |
| Loan and lease loss provision to assets | 0.4462% | 1,444 |
| Net operating income to assets | 0.7894% | 3,435 |
| Return on assets (ROA) | 0.7904% | 3,681 |
| Pretax return on assets | 1.0482% | 3,527 |
| Return on Equity (ROE) | 9.4770% | 2,580 |
| Retained earnings to average equity (ytd only) | 3.8207% | 4,071 |
| Net charge-offs to loans | 0.6908% | 1,607 |
| Credit loss provision to net charge-offs | 93.3610% | 2,945 |
| Earnings coverage of net charge-offs (x) | 3.1241% | 3,494 |
| Efficiency ratio | 63.4710% | 4,991 |
| Assets per employee ($millions) | 3.9376% | 3,999 |
| Cash dividends to net income (ytd only)* | 59.6839% | 1,379 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2083% | 1,746 |
| Loan loss allowance to noncurrent loans | 177.7082% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.3443% | 3,750 |
| Noncurrent loans to loans | 1.2426% | 4,062 |
| Net loans and leases to total assets | 65.7703% | 2,718 |
| Net loans and leases to deposits | 82.7186% | 2,020 |
| Net loans and leases to core deposits | 84.8537% | 2,582 |
| Total domestic deposits to total assets | 79.5109% | 5,859 |
| Equity capital to assets | 8.2444% | 6,419 |
| Core capital (leverage) ratio | 8.2962% | 5,914 |
| Tier 1 risk-based capital ratio | 12.8141% | 5,327 |
| Total risk-based capital ratio | 14.0811% | 5,284 |
| Memoranda: |
| Average total assets | $1,008,557,330 | 662 |
| Average earning assets | $926,201,670 | 652 |
| Average equity | $84,119,670 | 826 |
| Average total loans | $697,745,330 | 592 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4840% | 3,991 |
| Cost of funding earning assets | 0.7003% | 4,280 |
| Net interest margin | 3.7837% | 3,467 |
| Noninterest income to average assets | 0.6403% | 2,983 |
| Noninterest expense to average assets | 2.5733% | 4,909 |
| Loan and lease loss provision to assets | 0.4514% | 1,369 |
| Net operating income to assets | 0.8209% | 3,293 |
| Return on assets (ROA) | 0.8221% | 3,520 |
| Pretax return on assets | 1.0901% | 3,363 |
| Return on Equity (ROE) | 9.7977% | 2,470 |
| Retained earnings to average equity (ytd only) | 4.1123% | 4,126 |
| Net charge-offs to loans | 1.1828% | 866 |
| Credit loss provision to net charge-offs | 54.3741% | 3,213 |
| Earnings coverage of net charge-offs (x) | 1.8550% | 3,411 |
| Efficiency ratio | 62.5634% | 5,176 |
| Assets per employee ($millions) | 3.8809% | 4,238 |
| Cash dividends to net income (ytd only)* | 58.0283% | 1,245 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0633% | 2,189 |
| Loan loss allowance to noncurrent loans | 142.3341% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 1.4931% | 3,625 |
| Noncurrent loans to loans | 1.4496% | 3,941 |
| Net loans and leases to total assets | 68.6507% | 2,000 |
| Net loans and leases to deposits | 87.3547% | 1,245 |
| Net loans and leases to core deposits | 89.1696% | 1,932 |
| Total domestic deposits to total assets | 78.5885% | 6,167 |
| Equity capital to assets | 8.3600% | 6,211 |
| Core capital (leverage) ratio | 8.3961% | 5,748 |
| Tier 1 risk-based capital ratio | 12.0357% | 5,934 |
| Total risk-based capital ratio | 13.2894% | 5,922 |
| Memoranda: |
| Average total assets | $997,007,500 | 669 |
| Average earning assets | $915,079,000 | 656 |
| Average equity | $83,652,500 | 825 |
| Average total loans | $699,695,000 | 591 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6700% | 4,376 |
| Cost of funding earning assets | 0.8184% | 4,716 |
| Net interest margin | 3.8516% | 3,559 |
| Noninterest income to average assets | 0.7054% | 2,573 |
| Noninterest expense to average assets | 2.6104% | 5,053 |
| Loan and lease loss provision to assets | 0.5553% | 1,879 |
| Net operating income to assets | 0.7982% | 3,042 |
| Return on assets (ROA) | 0.7983% | 3,207 |
| Pretax return on assets | 1.0625% | 2,993 |
| Return on Equity (ROE) | 9.4196% | 2,280 |
| Retained earnings to average equity (ytd only) | 3.7671% | 3,535 |
| Net charge-offs to loans | 0.7698% | 2,229 |
| Credit loss provision to net charge-offs | 104.4188% | 3,287 |
| Earnings coverage of net charge-offs (x) | 3.0421% | 3,687 |
| Efficiency ratio | 61.7398% | 5,501 |
| Assets per employee ($millions) | 3.8180% | 4,279 |
| Cash dividends to net income (ytd only)* | 60.0077% | 1,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2283% | 1,748 |
| Loan loss allowance to noncurrent loans | 110.2942% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 1.8682% | 3,159 |
| Noncurrent loans to loans | 2.0203% | 3,178 |
| Net loans and leases to total assets | 68.6977% | 2,269 |
| Net loans and leases to deposits | 86.5369% | 1,604 |
| Net loans and leases to core deposits | 88.8480% | 2,269 |
| Total domestic deposits to total assets | 79.3854% | 5,898 |
| Equity capital to assets | 8.4212% | 6,235 |
| Core capital (leverage) ratio | 8.2406% | 5,939 |
| Tier 1 risk-based capital ratio | 12.0668% | 5,787 |
| Total risk-based capital ratio | 13.3222% | 5,768 |
| Memoranda: |
| Average total assets | $978,799,400 | 671 |
| Average earning assets | $895,239,200 | 660 |
| Average equity | $82,954,600 | 809 |
| Average total loans | $676,150,200 | 610 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6855% | 4,525 |
| Cost of funding earning assets | 0.8315% | 4,937 |
| Net interest margin | 3.8541% | 3,592 |
| Noninterest income to average assets | 0.7021% | 2,596 |
| Noninterest expense to average assets | 2.6097% | 5,036 |
| Loan and lease loss provision to assets | 0.4930% | 2,014 |
| Net operating income to assets | 0.8371% | 2,996 |
| Return on assets (ROA) | 0.8372% | 3,152 |
| Pretax return on assets | 1.1230% | 2,917 |
| Return on Equity (ROE) | 9.8620% | 2,246 |
| Retained earnings to average equity (ytd only) | 4.2312% | 3,719 |
| Net charge-offs to loans | 0.6850% | 2,201 |
| Credit loss provision to net charge-offs | 104.6377% | 3,182 |
| Earnings coverage of net charge-offs (x) | 3.4296% | 3,442 |
| Efficiency ratio | 61.7595% | 5,452 |
| Assets per employee ($millions) | 3.9254% | 4,018 |
| Cash dividends to net income (ytd only)* | 57.0962% | 1,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2595% | 1,754 |
| Loan loss allowance to noncurrent loans | 94.8081% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 2.0154% | 3,125 |
| Noncurrent loans to loans | 2.3833% | 2,907 |
| Net loans and leases to total assets | 66.0845% | 2,885 |
| Net loans and leases to deposits | 82.9604% | 2,182 |
| Net loans and leases to core deposits | 85.0255% | 2,910 |
| Total domestic deposits to total assets | 79.6579% | 5,833 |
| Equity capital to assets | 8.4792% | 6,315 |
| Core capital (leverage) ratio | 8.2836% | 5,999 |
| Tier 1 risk-based capital ratio | 12.1909% | 5,748 |
| Total risk-based capital ratio | 13.4513% | 5,724 |
| Memoranda: |
| Average total assets | $976,284,500 | 678 |
| Average earning assets | $892,541,750 | 669 |
| Average equity | $82,874,750 | 814 |
| Average total loans | $671,486,500 | 618 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7577% | 4,259 |
| Cost of funding earning assets | 0.8479% | 5,079 |
| Net interest margin | 3.9098% | 3,264 |
| Noninterest income to average assets | 0.7139% | 2,468 |
| Noninterest expense to average assets | 2.6355% | 5,056 |
| Loan and lease loss provision to assets | 0.4993% | 1,966 |
| Net operating income to assets | 0.8527% | 2,849 |
| Return on assets (ROA) | 0.8527% | 2,943 |
| Pretax return on assets | 1.1470% | 2,677 |
| Return on Equity (ROE) | 10.0407% | 2,102 |
| Retained earnings to average equity (ytd only) | 4.3983% | 3,390 |
| Net charge-offs to loans | 0.8869% | 1,752 |
| Credit loss provision to net charge-offs | 81.3639% | 3,727 |
| Earnings coverage of net charge-offs (x) | 2.6830% | 3,496 |
| Efficiency ratio | 61.5511% | 5,649 |
| Assets per employee ($millions) | 3.9145% | 3,958 |
| Cash dividends to net income (ytd only)* | 56.1953% | 1,480 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1967% | 1,923 |
| Loan loss allowance to noncurrent loans | 108.7359% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.7455% | 3,582 |
| Noncurrent loans to loans | 2.0202% | 3,452 |
| Net loans and leases to total assets | 66.6105% | 2,909 |
| Net loans and leases to deposits | 84.8689% | 1,969 |
| Net loans and leases to core deposits | 87.1355% | 2,747 |
| Total domestic deposits to total assets | 78.4863% | 6,193 |
| Equity capital to assets | 8.5117% | 6,165 |
| Core capital (leverage) ratio | 8.3141% | 5,850 |
| Tier 1 risk-based capital ratio | 12.2851% | 5,531 |
| Total risk-based capital ratio | 13.5470% | 5,504 |
| Memoranda: |
| Average total assets | $965,437,670 | 694 |
| Average earning assets | $881,009,330 | 687 |
| Average equity | $81,986,330 | 819 |
| Average total loans | $667,952,330 | 635 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8078% | 4,026 |
| Cost of funding earning assets | 0.8610% | 5,203 |
| Net interest margin | 3.9467% | 2,930 |
| Noninterest income to average assets | 0.7320% | 2,381 |
| Noninterest expense to average assets | 2.5930% | 5,254 |
| Loan and lease loss provision to assets | 0.4598% | 1,916 |
| Net operating income to assets | 0.9334% | 2,434 |
| Return on assets (ROA) | 0.9334% | 2,498 |
| Pretax return on assets | 1.2737% | 2,127 |
| Return on Equity (ROE) | 11.0049% | 1,742 |
| Retained earnings to average equity (ytd only) | 5.4556% | 2,931 |
| Net charge-offs to loans | 1.2090% | 1,151 |
| Credit loss provision to net charge-offs | 54.5364% | 3,663 |
| Earnings coverage of net charge-offs (x) | 2.0560% | 3,270 |
| Efficiency ratio | 59.9324% | 5,992 |
| Assets per employee ($millions) | 3.8425% | 4,208 |
| Cash dividends to net income (ytd only)* | 50.4254% | 1,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1546% | 2,064 |
| Loan loss allowance to noncurrent loans | 101.1359% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.7596% | 3,628 |
| Noncurrent loans to loans | 2.1304% | 3,406 |
| Net loans and leases to total assets | 67.7690% | 2,600 |
| Net loans and leases to deposits | 85.4808% | 1,803 |
| Net loans and leases to core deposits | 87.4983% | 2,669 |
| Total domestic deposits to total assets | 79.2799% | 6,123 |
| Equity capital to assets | 8.4993% | 5,904 |
| Core capital (leverage) ratio | 8.4265% | 5,582 |
| Tier 1 risk-based capital ratio | 12.3152% | 5,426 |
| Total risk-based capital ratio | 13.5769% | 5,411 |
| Memoranda: |
| Average total assets | $956,884,500 | 705 |
| Average earning assets | $871,504,000 | 697 |
| Average equity | $81,164,000 | 819 |
| Average total loans | $667,340,000 | 641 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1006% | 4,094 |
| Cost of funding earning assets | 1.0780% | 5,273 |
| Net interest margin | 4.0226% | 2,915 |
| Noninterest income to average assets | 0.7439% | 2,571 |
| Noninterest expense to average assets | 2.6927% | 5,024 |
| Loan and lease loss provision to assets | 0.6671% | 2,479 |
| Net operating income to assets | 0.7913% | 2,842 |
| Return on assets (ROA) | 0.7969% | 2,954 |
| Pretax return on assets | 1.0574% | 2,746 |
| Return on Equity (ROE) | 9.6808% | 2,041 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,077 |
| Net charge-offs to loans | 0.4731% | 3,728 |
| Credit loss provision to net charge-offs | 204.2052% | 1,523 |
| Earnings coverage of net charge-offs (x) | 5.2561% | 2,676 |
| Efficiency ratio | 61.0634% | 5,881 |
| Assets per employee ($millions) | 3.8279% | 4,185 |
| Cash dividends to net income (ytd only)* | 58.8404% | 1,679 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2786% | 1,729 |
| Loan loss allowance to noncurrent loans | 97.4320% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 2.4669% | 2,806 |
| Noncurrent loans to loans | 2.3387% | 3,179 |
| Net loans and leases to total assets | 68.6241% | 2,831 |
| Net loans and leases to deposits | 87.4890% | 1,861 |
| Net loans and leases to core deposits | 90.1096% | 2,753 |
| Total domestic deposits to total assets | 78.4374% | 6,228 |
| Equity capital to assets | 8.4648% | 5,899 |
| Core capital (leverage) ratio | 8.2404% | 5,768 |
| Tier 1 risk-based capital ratio | 11.9862% | 5,483 |
| Total risk-based capital ratio | 13.2493% | 5,455 |
| Memoranda: |
| Average total assets | $960,927,800 | 696 |
| Average earning assets | $875,698,200 | 692 |
| Average equity | $79,105,000 | 834 |
| Average total loans | $663,554,800 | 656 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1496% | 4,081 |
| Cost of funding earning assets | 1.1053% | 5,390 |
| Net interest margin | 4.0443% | 2,887 |
| Noninterest income to average assets | 0.7102% | 2,761 |
| Noninterest expense to average assets | 2.6340% | 5,179 |
| Loan and lease loss provision to assets | 0.6384% | 2,393 |
| Net operating income to assets | 0.8447% | 2,828 |
| Return on assets (ROA) | 0.8522% | 2,936 |
| Pretax return on assets | 1.1381% | 2,703 |
| Return on Equity (ROE) | 10.4244% | 1,968 |
| Retained earnings to average equity (ytd only) | 4.7006% | 3,193 |
| Net charge-offs to loans | 0.2644% | 4,361 |
| Credit loss provision to net charge-offs | 351.1043% | 897 |
| Earnings coverage of net charge-offs (x) | 9.7159% | 1,981 |
| Efficiency ratio | 59.8571% | 5,975 |
| Assets per employee ($millions) | 3.9578% | 3,926 |
| Cash dividends to net income (ytd only)* | 54.9074% | 1,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2644% | 1,679 |
| Loan loss allowance to noncurrent loans | 120.2140% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 2.1116% | 3,317 |
| Noncurrent loans to loans | 1.8836% | 3,820 |
| Net loans and leases to total assets | 67.4546% | 3,339 |
| Net loans and leases to deposits | 86.1125% | 2,313 |
| Net loans and leases to core deposits | 90.2455% | 3,062 |
| Total domestic deposits to total assets | 78.3331% | 6,187 |
| Equity capital to assets | 8.2765% | 6,533 |
| Core capital (leverage) ratio | 8.1755% | 6,079 |
| Tier 1 risk-based capital ratio | 11.9196% | 5,535 |
| Total risk-based capital ratio | 13.1844% | 5,497 |
| Memoranda: |
| Average total assets | $962,871,750 | 689 |
| Average earning assets | $878,572,250 | 688 |
| Average equity | $78,710,750 | 838 |
| Average total loans | $662,107,500 | 659 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2227% | 3,834 |
| Cost of funding earning assets | 1.1305% | 5,519 |
| Net interest margin | 4.0922% | 2,596 |
| Noninterest income to average assets | 0.7086% | 2,656 |
| Noninterest expense to average assets | 2.6592% | 5,084 |
| Loan and lease loss provision to assets | 0.6702% | 2,154 |
| Net operating income to assets | 0.8389% | 2,782 |
| Return on assets (ROA) | 0.8428% | 2,921 |
| Pretax return on assets | 1.1186% | 2,716 |
| Return on Equity (ROE) | 10.3542% | 1,980 |
| Retained earnings to average equity (ytd only) | 4.5757% | 3,164 |
| Net charge-offs to loans | 0.2575% | 4,062 |
| Credit loss provision to net charge-offs | 378.9847% | 953 |
| Earnings coverage of net charge-offs (x) | 10.0862% | 1,940 |
| Efficiency ratio | 59.8543% | 6,069 |
| Assets per employee ($millions) | 3.9162% | 3,934 |
| Cash dividends to net income (ytd only)* | 55.8088% | 1,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1539% | 1,855 |
| Loan loss allowance to noncurrent loans | 110.3130% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 2.1173% | 3,354 |
| Noncurrent loans to loans | 1.9525% | 3,787 |
| Net loans and leases to total assets | 67.6394% | 3,465 |
| Net loans and leases to deposits | 86.3487% | 2,460 |
| Net loans and leases to core deposits | 89.6663% | 3,322 |
| Total domestic deposits to total assets | 78.3328% | 6,192 |
| Equity capital to assets | 8.2983% | 6,430 |
| Core capital (leverage) ratio | 8.1786% | 5,978 |
| Tier 1 risk-based capital ratio | 11.9718% | 5,337 |
| Total risk-based capital ratio | 13.2341% | 5,292 |
| Memoranda: |
| Average total assets | $957,967,330 | 694 |
| Average earning assets | $874,142,330 | 688 |
| Average equity | $77,977,670 | 837 |
| Average total loans | $657,908,670 | 665 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1080% | 4,495 |
| Cost of funding earning assets | 1.1504% | 5,656 |
| Net interest margin | 3.9576% | 3,065 |
| Noninterest income to average assets | 0.6863% | 2,687 |
| Noninterest expense to average assets | 2.6816% | 4,991 |
| Loan and lease loss provision to assets | 0.3597% | 3,218 |
| Net operating income to assets | 0.9253% | 2,451 |
| Return on assets (ROA) | 0.9334% | 2,484 |
| Pretax return on assets | 1.2646% | 2,155 |
| Return on Equity (ROE) | 11.5800% | 1,618 |
| Retained earnings to average equity (ytd only) | 5.7303% | 2,749 |
| Net charge-offs to loans | 0.0440% | 4,977 |
| Credit loss provision to net charge-offs | 1,193.0556% | 408 |
| Earnings coverage of net charge-offs (x) | 53.5139% | 543 |
| Efficiency ratio | 62.4354% | 5,747 |
| Assets per employee ($millions) | 3.9509% | 3,993 |
| Cash dividends to net income (ytd only)* | 50.5159% | 1,474 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9314% | 2,359 |
| Loan loss allowance to noncurrent loans | 86.0261% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 2.1767% | 3,301 |
| Noncurrent loans to loans | 2.2452% | 3,463 |
| Net loans and leases to total assets | 67.2497% | 3,564 |
| Net loans and leases to deposits | 88.1261% | 2,202 |
| Net loans and leases to core deposits | 91.6900% | 3,142 |
| Total domestic deposits to total assets | 76.3108% | 6,700 |
| Equity capital to assets | 8.0811% | 6,567 |
| Core capital (leverage) ratio | 8.2217% | 5,878 |
| Tier 1 risk-based capital ratio | 11.9110% | 5,291 |
| Total risk-based capital ratio | 13.1698% | 5,234 |
| Memoranda: |
| Average total assets | $955,263,500 | 709 |
| Average earning assets | $871,023,500 | 706 |
| Average equity | $76,994,500 | 850 |
| Average total loans | $653,880,500 | 692 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2415% | 5,454 |
| Cost of funding earning assets | 1.5207% | 5,434 |
| Net interest margin | 3.7208% | 4,038 |
| Noninterest income to average assets | 0.7068% | 2,918 |
| Noninterest expense to average assets | 2.7229% | 5,288 |
| Loan and lease loss provision to assets | 0.4997% | 3,877 |
| Net operating income to assets | 0.6954% | 2,950 |
| Return on assets (ROA) | 0.6967% | 3,016 |
| Pretax return on assets | 0.9090% | 2,896 |
| Return on Equity (ROE) | 8.8730% | 2,066 |
| Retained earnings to average equity (ytd only) | 2.8282% | 3,186 |
| Net charge-offs to loans | 0.0250% | 6,891 |
| Credit loss provision to net charge-offs | 2,932.0988% | 121 |
| Earnings coverage of net charge-offs (x) | 82.5556% | 331 |
| Efficiency ratio | 65.9322% | 5,403 |
| Assets per employee ($millions) | 3.8791% | 4,077 |
| Cash dividends to net income (ytd only)* | 68.1262% | 1,642 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8527% | 2,401 |
| Loan loss allowance to noncurrent loans | 77.7230% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 2.2674% | 3,046 |
| Noncurrent loans to loans | 2.3837% | 3,183 |
| Net loans and leases to total assets | 67.0582% | 3,912 |
| Net loans and leases to deposits | 86.9696% | 2,742 |
| Net loans and leases to core deposits | 96.0649% | 4,464 |
| Total domestic deposits to total assets | 77.1054% | 6,450 |
| Equity capital to assets | 8.0386% | 6,538 |
| Core capital (leverage) ratio | 8.0451% | 6,091 |
| Tier 1 risk-based capital ratio | 11.8492% | 5,075 |
| Total risk-based capital ratio | 13.1067% | 5,033 |
| Memoranda: |
| Average total assets | $950,564,800 | 703 |
| Average earning assets | $874,479,400 | 692 |
| Average equity | $74,642,400 | 865 |
| Average total loans | $646,799,200 | 728 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2679% | 5,583 |
| Cost of funding earning assets | 1.5844% | 5,470 |
| Net interest margin | 3.6835% | 4,147 |
| Noninterest income to average assets | 0.7126% | 2,932 |
| Noninterest expense to average assets | 2.7105% | 5,274 |
| Loan and lease loss provision to assets | 0.4974% | 3,411 |
| Net operating income to assets | 0.6929% | 3,241 |
| Return on assets (ROA) | 0.6947% | 3,283 |
| Pretax return on assets | 0.9058% | 3,208 |
| Return on Equity (ROE) | 8.8993% | 2,306 |
| Retained earnings to average equity (ytd only) | 2.8216% | 3,755 |
| Net charge-offs to loans | -0.0105% | 7,690 |
| Credit loss provision to net charge-offs | -6,960.7843% | 7,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9271% | 5,379 |
| Assets per employee ($millions) | 3.9183% | 3,895 |
| Cash dividends to net income (ytd only)* | 68.2936% | 1,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7116% | 2,584 |
| Loan loss allowance to noncurrent loans | 82.3644% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.4633% | 4,183 |
| Noncurrent loans to loans | 2.0780% | 3,527 |
| Net loans and leases to total assets | 66.3072% | 4,352 |
| Net loans and leases to deposits | 88.0093% | 2,955 |
| Net loans and leases to core deposits | 96.5479% | 4,745 |
| Total domestic deposits to total assets | 75.3411% | 6,710 |
| Equity capital to assets | 8.0948% | 6,750 |
| Core capital (leverage) ratio | 8.0293% | 6,309 |
| Tier 1 risk-based capital ratio | 11.9489% | 5,020 |
| Total risk-based capital ratio | 13.2049% | 4,950 |
| Memoranda: |
| Average total assets | $951,578,500 | 714 |
| Average earning assets | $878,023,500 | 703 |
| Average equity | $74,281,500 | 884 |
| Average total loans | $646,825,500 | 744 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2881% | 5,703 |
| Cost of funding earning assets | 1.6418% | 5,551 |
| Net interest margin | 3.6463% | 4,186 |
| Noninterest income to average assets | 0.6889% | 3,063 |
| Noninterest expense to average assets | 2.7587% | 5,138 |
| Loan and lease loss provision to assets | 0.4940% | 3,069 |
| Net operating income to assets | 0.6215% | 3,580 |
| Return on assets (ROA) | 0.6220% | 3,691 |
| Pretax return on assets | 0.8001% | 3,673 |
| Return on Equity (ROE) | 8.0681% | 2,744 |
| Retained earnings to average equity (ytd only) | 1.9086% | 4,282 |
| Net charge-offs to loans | -0.0361% | 7,804 |
| Credit loss provision to net charge-offs | -2,008.5470% | 7,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0795% | 5,147 |
| Assets per employee ($millions) | 3.8779% | 3,922 |
| Cash dividends to net income (ytd only)* | 76.3434% | 1,164 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5045% | 3,167 |
| Loan loss allowance to noncurrent loans | 78.3908% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.3911% | 4,176 |
| Noncurrent loans to loans | 1.9192% | 3,646 |
| Net loans and leases to total assets | 68.2214% | 4,121 |
| Net loans and leases to deposits | 88.7634% | 3,041 |
| Net loans and leases to core deposits | 97.1256% | 4,770 |
| Total domestic deposits to total assets | 76.8576% | 6,362 |
| Equity capital to assets | 7.7595% | 7,023 |
| Core capital (leverage) ratio | 7.9857% | 6,357 |
| Tier 1 risk-based capital ratio | 11.6605% | 5,235 |
| Total risk-based capital ratio | 12.9140% | 5,161 |
| Memoranda: |
| Average total assets | $951,387,330 | 734 |
| Average earning assets | $877,550,670 | 718 |
| Average equity | $73,350,330 | 906 |
| Average total loans | $648,321,000 | 763 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3326% | 5,741 |
| Cost of funding earning assets | 1.7188% | 5,521 |
| Net interest margin | 3.6138% | 4,263 |
| Noninterest income to average assets | 0.6575% | 3,158 |
| Noninterest expense to average assets | 2.5393% | 5,690 |
| Loan and lease loss provision to assets | 0.4717% | 2,588 |
| Net operating income to assets | 0.7414% | 3,382 |
| Return on assets (ROA) | 0.7443% | 3,550 |
| Pretax return on assets | 0.9879% | 3,397 |
| Return on Equity (ROE) | 9.6842% | 2,453 |
| Retained earnings to average equity (ytd only) | 3.5081% | 3,941 |
| Net charge-offs to loans | -0.0726% | 7,801 |
| Credit loss provision to net charge-offs | -961.5385% | 6,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5600% | 5,771 |
| Assets per employee ($millions) | 3.9461% | 3,779 |
| Cash dividends to net income (ytd only)* | 63.7746% | 1,407 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3313% | 3,911 |
| Loan loss allowance to noncurrent loans | 96.2224% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 4,700 |
| Noncurrent loans to loans | 1.3836% | 4,236 |
| Net loans and leases to total assets | 67.5760% | 4,229 |
| Net loans and leases to deposits | 89.9009% | 2,947 |
| Net loans and leases to core deposits | 98.6783% | 4,681 |
| Total domestic deposits to total assets | 75.1673% | 6,675 |
| Equity capital to assets | 7.8070% | 7,060 |
| Core capital (leverage) ratio | 7.9019% | 6,612 |
| Tier 1 risk-based capital ratio | 11.7502% | 5,169 |
| Total risk-based capital ratio | 13.0014% | 5,092 |
| Memoranda: |
| Average total assets | $953,974,500 | 732 |
| Average earning assets | $881,066,500 | 718 |
| Average equity | $73,315,000 | 913 |
| Average total loans | $644,791,500 | 768 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6366% | 6,971 |
| Cost of funding earning assets | 2.1906% | 5,639 |
| Net interest margin | 3.4460% | 5,481 |
| Noninterest income to average assets | 0.6701% | 3,323 |
| Noninterest expense to average assets | 2.4349% | 6,275 |
| Loan and lease loss provision to assets | 0.6029% | 2,413 |
| Net operating income to assets | 0.6246% | 4,209 |
| Return on assets (ROA) | 0.6381% | 4,003 |
| Pretax return on assets | 0.8158% | 4,008 |
| Return on Equity (ROE) | 8.0755% | 3,041 |
| Retained earnings to average equity (ytd only) | 1.8425% | 4,084 |
| Net charge-offs to loans | 0.6748% | 1,829 |
| Credit loss provision to net charge-offs | 138.3851% | 3,840 |
| Earnings coverage of net charge-offs (x) | 3.2169% | 4,480 |
| Efficiency ratio | 63.3901% | 5,691 |
| Assets per employee ($millions) | 4.0037% | 3,507 |
| Cash dividends to net income (ytd only)* | 77.1841% | 1,840 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1534% | 4,894 |
| Loan loss allowance to noncurrent loans | 76.3267% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0731% | 4,147 |
| Noncurrent loans to loans | 1.5112% | 3,524 |
| Net loans and leases to total assets | 65.9358% | 4,856 |
| Net loans and leases to deposits | 91.6339% | 3,195 |
| Net loans and leases to core deposits | 100.5609% | 4,770 |
| Total domestic deposits to total assets | 71.9557% | 7,006 |
| Equity capital to assets | 7.5652% | 7,332 |
| Core capital (leverage) ratio | 7.8777% | 6,687 |
| Tier 1 risk-based capital ratio | 11.6230% | 5,134 |
| Total risk-based capital ratio | 12.7793% | 5,107 |
| Memoranda: |
| Average total assets | $923,882,200 | 720 |
| Average earning assets | $848,900,800 | 710 |
| Average equity | $72,998,400 | 912 |
| Average total loans | $596,492,800 | 801 |
