| 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 | 3.2123% | 3,583 |
| Cost of funding earning assets | 0.1785% | 3,837 |
| Net interest margin | 3.0338% | 3,219 |
| Noninterest income to average assets | 0.6682% | 1,940 |
| Noninterest expense to average assets | 2.5180% | 2,067 |
| Loan and lease loss provision to assets | -0.1894% | 4,741 |
| Net operating income to assets | 0.9058% | 3,226 |
| Return on assets (ROA) | 0.5323% | 4,185 |
| Pretax return on assets | 0.7481% | 3,996 |
| Return on Equity (ROE) | 5.2503% | 4,075 |
| Retained earnings to average equity (ytd only) | 0.7287% | 4,463 |
| Net charge-offs to loans | 0.0045% | 2,175 |
| Credit loss provision to net charge-offs | -10,460.6557% | 4,206 |
| Earnings coverage of net charge-offs (x) | 446.3443% | 329 |
| Efficiency ratio | 70.5862% | 1,537 |
| Assets per employee ($millions) | 8.6261% | 1,002 |
| Cash dividends to net income (ytd only)* | 86.1210% | 316 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8186% | 896 |
| Loan loss allowance to noncurrent loans | 620.7672% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 3,092 |
| Noncurrent loans to loans | 0.2930% | 2,744 |
| Net loans and leases to total assets | 51.4794% | 3,250 |
| Net loans and leases to deposits | 57.2833% | 3,462 |
| Net loans and leases to core deposits | 57.8611% | 3,640 |
| Total domestic deposits to total assets | 89.8682% | 824 |
| Equity capital to assets | 9.7445% | 3,157 |
| Core capital (leverage) ratio | 9.1874% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0068% | 956 |
| Memoranda: |
| Average total assets | $3,519,472,250 | 333 |
| Average earning assets | $3,342,605,000 | 322 |
| Average equity | $356,793,250 | 351 |
| Average total loans | $1,827,116,250 | 392 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1467% | 3,778 |
| Cost of funding earning assets | 0.1831% | 3,922 |
| Net interest margin | 2.9636% | 3,408 |
| Noninterest income to average assets | 0.6839% | 1,875 |
| Noninterest expense to average assets | 2.0251% | 3,622 |
| Loan and lease loss provision to assets | -0.2877% | 4,828 |
| Net operating income to assets | 1.3346% | 1,763 |
| Return on assets (ROA) | 1.3440% | 1,810 |
| Pretax return on assets | 1.7708% | 1,296 |
| Return on Equity (ROE) | 13.0799% | 1,684 |
| Retained earnings to average equity (ytd only) | 8.7127% | 1,814 |
| Net charge-offs to loans | -0.0115% | 3,720 |
| Credit loss provision to net charge-offs | 6,195.1456% | 100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5552% | 3,338 |
| Assets per employee ($millions) | 8.1219% | 1,152 |
| Cash dividends to net income (ytd only)* | 33.3890% | 1,895 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8591% | 792 |
| Loan loss allowance to noncurrent loans | 483.4463% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2042% | 2,927 |
| Noncurrent loans to loans | 0.3846% | 2,525 |
| Net loans and leases to total assets | 52.1128% | 3,329 |
| Net loans and leases to deposits | 58.3210% | 3,518 |
| Net loans and leases to core deposits | 58.9597% | 3,688 |
| Total domestic deposits to total assets | 89.3551% | 1,106 |
| Equity capital to assets | 10.2652% | 2,607 |
| Core capital (leverage) ratio | 9.6404% | 2,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8334% | 1,165 |
| Memoranda: |
| Average total assets | $3,476,343,333 | 335 |
| Average earning assets | $3,299,125,333 | 322 |
| Average equity | $357,203,333 | 348 |
| Average total loans | $1,798,419,667 | 401 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0793% | 3,933 |
| Cost of funding earning assets | 0.1899% | 4,012 |
| Net interest margin | 2.8894% | 3,553 |
| Noninterest income to average assets | 0.6842% | 1,918 |
| Noninterest expense to average assets | 1.9103% | 3,965 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1485% | 2,338 |
| Return on assets (ROA) | 1.1674% | 2,342 |
| Pretax return on assets | 1.5381% | 1,889 |
| Return on Equity (ROE) | 11.3554% | 2,247 |
| Retained earnings to average equity (ytd only) | 6.9493% | 2,592 |
| Net charge-offs to loans | 0.0508% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 58.4619% | 835 |
| Efficiency ratio | 55.4063% | 3,618 |
| Assets per employee ($millions) | 8.0954% | 1,158 |
| Cash dividends to net income (ytd only)* | 38.8021% | 1,422 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2719% | 382 |
| Loan loss allowance to noncurrent loans | 559.3699% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 3,111 |
| Noncurrent loans to loans | 0.4061% | 2,650 |
| Net loans and leases to total assets | 50.0993% | 3,616 |
| Net loans and leases to deposits | 55.7267% | 3,814 |
| Net loans and leases to core deposits | 56.4296% | 3,945 |
| Total domestic deposits to total assets | 89.9019% | 868 |
| Equity capital to assets | 9.7467% | 2,949 |
| Core capital (leverage) ratio | 9.7807% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0722% | 1,061 |
| Memoranda: |
| Average total assets | $3,443,934,000 | 336 |
| Average earning assets | $3,266,193,500 | 322 |
| Average equity | $354,051,500 | 349 |
| Average total loans | $1,757,451,000 | 403 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0580% | 2,552 |
| Cost of funding earning assets | 0.2580% | 4,346 |
| Net interest margin | 3.8000% | 1,500 |
| Noninterest income to average assets | 0.7712% | 1,623 |
| Noninterest expense to average assets | 2.2550% | 3,525 |
| Loan and lease loss provision to assets | 0.0949% | 3,158 |
| Net operating income to assets | 1.5185% | 772 |
| Return on assets (ROA) | 1.5578% | 764 |
| Pretax return on assets | 2.0493% | 412 |
| Return on Equity (ROE) | 13.0621% | 1,028 |
| Retained earnings to average equity (ytd only) | 8.7222% | 844 |
| Net charge-offs to loans | 0.1417% | 1,141 |
| Credit loss provision to net charge-offs | 114.2976% | 2,690 |
| Earnings coverage of net charge-offs (x) | 25.2282% | 1,747 |
| Efficiency ratio | 51.4954% | 4,419 |
| Assets per employee ($millions) | 7.6509% | 1,190 |
| Cash dividends to net income (ytd only)* | 33.2248% | 2,696 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4120% | 292 |
| Loan loss allowance to noncurrent loans | 454.9928% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 2,956 |
| Noncurrent loans to loans | 0.5301% | 2,391 |
| Net loans and leases to total assets | 49.5610% | 3,855 |
| Net loans and leases to deposits | 57.0827% | 3,938 |
| Net loans and leases to core deposits | 57.9536% | 4,056 |
| Total domestic deposits to total assets | 86.8232% | 2,018 |
| Equity capital to assets | 10.8387% | 2,394 |
| Core capital (leverage) ratio | 10.1829% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8534% | 922 |
| Memoranda: |
| Average total assets | $2,898,083,200 | 354 |
| Average earning assets | $2,728,998,200 | 341 |
| Average equity | $345,633,800 | 335 |
| Average total loans | $1,698,122,400 | 402 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2966% | 2,104 |
| Cost of funding earning assets | 0.2773% | 4,403 |
| Net interest margin | 4.0192% | 1,068 |
| Noninterest income to average assets | 0.7397% | 1,677 |
| Noninterest expense to average assets | 2.3378% | 3,320 |
| Loan and lease loss provision to assets | 0.1319% | 2,701 |
| Net operating income to assets | 1.5532% | 804 |
| Return on assets (ROA) | 1.6078% | 782 |
| Pretax return on assets | 2.1169% | 397 |
| Return on Equity (ROE) | 13.1192% | 1,072 |
| Retained earnings to average equity (ytd only) | 8.7769% | 1,046 |
| Net charge-offs to loans | 0.1689% | 870 |
| Credit loss provision to net charge-offs | 128.0857% | 2,454 |
| Earnings coverage of net charge-offs (x) | 21.1751% | 1,874 |
| Efficiency ratio | 51.3977% | 4,388 |
| Assets per employee ($millions) | 6.9938% | 1,503 |
| Cash dividends to net income (ytd only)* | 33.0988% | 2,227 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3999% | 262 |
| Loan loss allowance to noncurrent loans | 597.5662% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 3,348 |
| Noncurrent loans to loans | 0.4016% | 2,854 |
| Net loans and leases to total assets | 53.1471% | 3,877 |
| Net loans and leases to deposits | 61.9844% | 3,933 |
| Net loans and leases to core deposits | 63.0190% | 4,053 |
| Total domestic deposits to total assets | 85.7427% | 2,166 |
| Equity capital to assets | 11.1714% | 2,263 |
| Core capital (leverage) ratio | 10.6938% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8319% | 935 |
| Memoranda: |
| Average total assets | $2,781,008,250 | 356 |
| Average earning assets | $2,613,906,000 | 345 |
| Average equity | $340,824,000 | 330 |
| Average total loans | $1,695,241,000 | 396 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5647% | 1,742 |
| Cost of funding earning assets | 0.3041% | 4,466 |
| Net interest margin | 4.2606% | 813 |
| Noninterest income to average assets | 0.6719% | 1,844 |
| Noninterest expense to average assets | 2.4349% | 3,155 |
| Loan and lease loss provision to assets | 0.2076% | 1,977 |
| Net operating income to assets | 1.5453% | 854 |
| Return on assets (ROA) | 1.6313% | 780 |
| Pretax return on assets | 2.1389% | 405 |
| Return on Equity (ROE) | 12.8562% | 1,135 |
| Retained earnings to average equity (ytd only) | 8.4540% | 1,174 |
| Net charge-offs to loans | 0.1140% | 1,161 |
| Credit loss provision to net charge-offs | 286.4583% | 1,657 |
| Earnings coverage of net charge-offs (x) | 30.8813% | 1,411 |
| Efficiency ratio | 51.7527% | 4,376 |
| Assets per employee ($millions) | 6.9673% | 1,455 |
| Cash dividends to net income (ytd only)* | 34.2418% | 2,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5282% | 210 |
| Loan loss allowance to noncurrent loans | 667.9656% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 3,496 |
| Noncurrent loans to loans | 0.3785% | 3,059 |
| Net loans and leases to total assets | 53.6793% | 3,903 |
| Net loans and leases to deposits | 62.8634% | 3,959 |
| Net loans and leases to core deposits | 63.9717% | 4,077 |
| Total domestic deposits to total assets | 85.3904% | 2,242 |
| Equity capital to assets | 11.2631% | 2,145 |
| Core capital (leverage) ratio | 11.5183% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9282% | 915 |
| Memoranda: |
| Average total assets | $2,649,620,000 | 365 |
| Average earning assets | $2,488,071,333 | 355 |
| Average equity | $336,195,333 | 333 |
| Average total loans | $1,683,985,667 | 395 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1456% | 728 |
| Cost of funding earning assets | 0.3795% | 4,425 |
| Net interest margin | 4.7661% | 293 |
| Noninterest income to average assets | 0.6535% | 1,821 |
| Noninterest expense to average assets | 2.6351% | 2,872 |
| Loan and lease loss provision to assets | 0.1065% | 2,350 |
| Net operating income to assets | 1.8049% | 411 |
| Return on assets (ROA) | 1.8049% | 453 |
| Pretax return on assets | 2.3707% | 210 |
| Return on Equity (ROE) | 13.2874% | 830 |
| Retained earnings to average equity (ytd only) | 8.8249% | 1,021 |
| Net charge-offs to loans | 0.0687% | 1,339 |
| Credit loss provision to net charge-offs | 224.9135% | 1,351 |
| Earnings coverage of net charge-offs (x) | 52.3218% | 870 |
| Efficiency ratio | 51.1889% | 4,601 |
| Assets per employee ($millions) | 5.6811% | 1,946 |
| Cash dividends to net income (ytd only)* | 33.5845% | 2,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4790% | 252 |
| Loan loss allowance to noncurrent loans | 625.9939% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 3,394 |
| Noncurrent loans to loans | 0.3960% | 3,066 |
| Net loans and leases to total assets | 65.5175% | 2,874 |
| Net loans and leases to deposits | 76.3456% | 3,037 |
| Net loans and leases to core deposits | 77.9190% | 3,359 |
| Total domestic deposits to total assets | 85.8169% | 2,079 |
| Equity capital to assets | 13.5701% | 1,193 |
| Core capital (leverage) ratio | 12.5728% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3936% | 1,083 |
| Memoranda: |
| Average total assets | $2,441,624,000 | 379 |
| Average earning assets | $2,284,204,500 | 364 |
| Average equity | $331,651,500 | 337 |
| Average total loans | $1,681,837,500 | 385 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5084% | 554 |
| Cost of funding earning assets | 0.4231% | 4,370 |
| Net interest margin | 5.0853% | 222 |
| Noninterest income to average assets | 0.6975% | 1,830 |
| Noninterest expense to average assets | 2.5997% | 3,175 |
| Loan and lease loss provision to assets | 0.3013% | 557 |
| Net operating income to assets | 1.9372% | 404 |
| Return on assets (ROA) | 1.9370% | 420 |
| Pretax return on assets | 2.5272% | 201 |
| Return on Equity (ROE) | 14.6142% | 771 |
| Retained earnings to average equity (ytd only) | 10.9119% | 344 |
| Net charge-offs to loans | 0.0484% | 2,427 |
| Credit loss provision to net charge-offs | 854.7009% | 386 |
| Earnings coverage of net charge-offs (x) | 80.2369% | 791 |
| Efficiency ratio | 47.5402% | 4,854 |
| Assets per employee ($millions) | 5.4565% | 2,099 |
| Cash dividends to net income (ytd only)* | 25.3339% | 3,294 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8490% | 602 |
| Loan loss allowance to noncurrent loans | 356.5464% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 2,938 |
| Noncurrent loans to loans | 0.5186% | 2,628 |
| Net loans and leases to total assets | 69.3248% | 2,499 |
| Net loans and leases to deposits | 80.9291% | 2,669 |
| Net loans and leases to core deposits | 82.2990% | 3,098 |
| Total domestic deposits to total assets | 85.6611% | 2,212 |
| Equity capital to assets | 13.5967% | 1,246 |
| Core capital (leverage) ratio | 12.4536% | 1,513 |
| Tier 1 risk-based capital ratio | 16.8830% | 2,089 |
| Total risk-based capital ratio | 18.1402% | 2,032 |
| Memoranda: |
| Average total assets | $2,323,099,200 | 370 |
| Average earning assets | $2,161,214,800 | 359 |
| Average equity | $307,912,400 | 338 |
| Average total loans | $1,691,712,000 | 372 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5883% | 504 |
| Cost of funding earning assets | 0.4283% | 4,405 |
| Net interest margin | 5.1600% | 212 |
| Noninterest income to average assets | 0.7040% | 1,769 |
| Noninterest expense to average assets | 2.6550% | 2,998 |
| Loan and lease loss provision to assets | 0.3359% | 408 |
| Net operating income to assets | 1.9153% | 474 |
| Return on assets (ROA) | 1.9153% | 496 |
| Pretax return on assets | 2.5088% | 246 |
| Return on Equity (ROE) | 14.5482% | 876 |
| Retained earnings to average equity (ytd only) | 11.0730% | 511 |
| Net charge-offs to loans | 0.0453% | 2,190 |
| Credit loss provision to net charge-offs | 1,010.4530% | 343 |
| Earnings coverage of net charge-offs (x) | 85.5771% | 823 |
| Efficiency ratio | 47.9256% | 4,857 |
| Assets per employee ($millions) | 5.5041% | 2,031 |
| Cash dividends to net income (ytd only)* | 23.8873% | 2,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7980% | 683 |
| Loan loss allowance to noncurrent loans | 716.1222% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,880 |
| Noncurrent loans to loans | 0.2511% | 3,642 |
| Net loans and leases to total assets | 68.0996% | 2,778 |
| Net loans and leases to deposits | 79.0352% | 3,008 |
| Net loans and leases to core deposits | 80.5239% | 3,351 |
| Total domestic deposits to total assets | 86.1637% | 1,916 |
| Equity capital to assets | 13.0266% | 1,608 |
| Core capital (leverage) ratio | 12.4469% | 1,601 |
| Tier 1 risk-based capital ratio | 16.3827% | 2,307 |
| Total risk-based capital ratio | 17.6392% | 2,239 |
| Memoranda: |
| Average total assets | $2,302,299,500 | 375 |
| Average earning assets | $2,139,731,000 | 365 |
| Average equity | $303,096,000 | 344 |
| Average total loans | $1,689,743,250 | 376 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6566% | 433 |
| Cost of funding earning assets | 0.4378% | 4,363 |
| Net interest margin | 5.2188% | 190 |
| Noninterest income to average assets | 0.6564% | 1,890 |
| Noninterest expense to average assets | 2.6461% | 3,071 |
| Loan and lease loss provision to assets | 0.3281% | 404 |
| Net operating income to assets | 1.9222% | 449 |
| Return on assets (ROA) | 1.9222% | 473 |
| Pretax return on assets | 2.5262% | 229 |
| Return on Equity (ROE) | 14.5457% | 865 |
| Retained earnings to average equity (ytd only) | 11.5928% | 463 |
| Net charge-offs to loans | 0.1073% | 1,329 |
| Credit loss provision to net charge-offs | 408.3885% | 703 |
| Earnings coverage of net charge-offs (x) | 35.5232% | 1,324 |
| Efficiency ratio | 47.7516% | 4,910 |
| Assets per employee ($millions) | 5.2046% | 2,250 |
| Cash dividends to net income (ytd only)* | 20.3008% | 3,012 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6581% | 901 |
| Loan loss allowance to noncurrent loans | 549.4611% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 3,690 |
| Noncurrent loans to loans | 0.3018% | 3,463 |
| Net loans and leases to total assets | 71.9645% | 2,217 |
| Net loans and leases to deposits | 83.7694% | 2,515 |
| Net loans and leases to core deposits | 85.5262% | 2,993 |
| Total domestic deposits to total assets | 85.9079% | 2,084 |
| Equity capital to assets | 13.3816% | 1,383 |
| Core capital (leverage) ratio | 12.6225% | 1,473 |
| Tier 1 risk-based capital ratio | 15.7931% | 2,505 |
| Total risk-based capital ratio | 17.0478% | 2,435 |
| Memoranda: |
| Average total assets | $2,255,127,000 | 385 |
| Average earning assets | $2,093,212,330 | 378 |
| Average equity | $298,012,330 | 348 |
| Average total loans | $1,688,090,670 | 378 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6502% | 393 |
| Cost of funding earning assets | 0.4353% | 4,345 |
| Net interest margin | 5.2149% | 199 |
| Noninterest income to average assets | 0.6356% | 1,882 |
| Noninterest expense to average assets | 2.7334% | 2,798 |
| Loan and lease loss provision to assets | 0.2784% | 485 |
| Net operating income to assets | 1.8724% | 486 |
| Return on assets (ROA) | 1.8724% | 500 |
| Pretax return on assets | 2.4559% | 269 |
| Return on Equity (ROE) | 14.2624% | 910 |
| Retained earnings to average equity (ytd only) | 11.3897% | 726 |
| Net charge-offs to loans | 0.2068% | 675 |
| Credit loss provision to net charge-offs | 177.7523% | 1,125 |
| Earnings coverage of net charge-offs (x) | 17.4599% | 1,658 |
| Efficiency ratio | 49.6272% | 4,859 |
| Assets per employee ($millions) | 5.0914% | 2,413 |
| Cash dividends to net income (ytd only)* | 20.1420% | 2,464 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5393% | 1,214 |
| Loan loss allowance to noncurrent loans | 550.8500% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 3,785 |
| Noncurrent loans to loans | 0.2794% | 3,562 |
| Net loans and leases to total assets | 73.0219% | 1,976 |
| Net loans and leases to deposits | 84.8370% | 2,278 |
| Net loans and leases to core deposits | 86.4971% | 2,830 |
| Total domestic deposits to total assets | 86.0732% | 2,246 |
| Equity capital to assets | 13.1117% | 1,389 |
| Core capital (leverage) ratio | 12.5332% | 1,490 |
| Tier 1 risk-based capital ratio | 15.3988% | 2,704 |
| Total risk-based capital ratio | 16.6523% | 2,615 |
| Memoranda: |
| Average total assets | $2,227,266,000 | 390 |
| Average earning assets | $2,063,769,500 | 385 |
| Average equity | $292,404,500 | 354 |
| Average total loans | $1,686,621,000 | 382 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7444% | 260 |
| Cost of funding earning assets | 0.3575% | 4,233 |
| Net interest margin | 5.3869% | 134 |
| Noninterest income to average assets | 0.7224% | 1,762 |
| Noninterest expense to average assets | 2.8400% | 2,547 |
| Loan and lease loss provision to assets | 0.3977% | 344 |
| Net operating income to assets | 1.9050% | 440 |
| Return on assets (ROA) | 1.9050% | 434 |
| Pretax return on assets | 2.4731% | 217 |
| Return on Equity (ROE) | 15.3294% | 762 |
| Retained earnings to average equity (ytd only) | 12.3978% | 288 |
| Net charge-offs to loans | 0.0995% | 1,767 |
| Credit loss provision to net charge-offs | 512.4777% | 678 |
| Earnings coverage of net charge-offs (x) | 36.9893% | 1,398 |
| Efficiency ratio | 49.3738% | 4,976 |
| Assets per employee ($millions) | 4.8101% | 2,727 |
| Cash dividends to net income (ytd only)* | 19.1242% | 3,503 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4945% | 1,311 |
| Loan loss allowance to noncurrent loans | 559.0124% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 3,794 |
| Noncurrent loans to loans | 0.2674% | 3,618 |
| Net loans and leases to total assets | 76.1949% | 1,581 |
| Net loans and leases to deposits | 88.4905% | 1,991 |
| Net loans and leases to core deposits | 95.4628% | 2,101 |
| Total domestic deposits to total assets | 86.1051% | 2,178 |
| Equity capital to assets | 13.1458% | 1,276 |
| Core capital (leverage) ratio | 12.1235% | 1,656 |
| Tier 1 risk-based capital ratio | 14.9387% | 2,853 |
| Total risk-based capital ratio | 16.1917% | 2,783 |
| Memoranda: |
| Average total assets | $2,168,485,200 | 390 |
| Average earning assets | $2,008,077,000 | 387 |
| Average equity | $269,475,800 | 368 |
| Average total loans | $1,691,103,800 | 374 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6681% | 272 |
| Cost of funding earning assets | 0.3452% | 4,219 |
| Net interest margin | 5.3229% | 142 |
| Noninterest income to average assets | 0.7363% | 1,729 |
| Noninterest expense to average assets | 2.8827% | 2,360 |
| Loan and lease loss provision to assets | 0.3357% | 414 |
| Net operating income to assets | 1.8783% | 512 |
| Return on assets (ROA) | 1.8783% | 513 |
| Pretax return on assets | 2.4516% | 253 |
| Return on Equity (ROE) | 15.3386% | 816 |
| Retained earnings to average equity (ytd only) | 12.4213% | 427 |
| Net charge-offs to loans | 0.0350% | 2,389 |
| Credit loss provision to net charge-offs | 1,227.4775% | 330 |
| Earnings coverage of net charge-offs (x) | 101.9181% | 739 |
| Efficiency ratio | 50.4802% | 4,918 |
| Assets per employee ($millions) | 4.7758% | 2,756 |
| Cash dividends to net income (ytd only)* | 19.0195% | 3,051 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3498% | 1,887 |
| Loan loss allowance to noncurrent loans | 399.8113% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 3,090 |
| Noncurrent loans to loans | 0.3376% | 3,453 |
| Net loans and leases to total assets | 77.0430% | 1,495 |
| Net loans and leases to deposits | 90.8460% | 1,786 |
| Net loans and leases to core deposits | 96.1754% | 2,101 |
| Total domestic deposits to total assets | 84.8062% | 2,684 |
| Equity capital to assets | 12.5024% | 1,582 |
| Core capital (leverage) ratio | 11.7570% | 1,955 |
| Tier 1 risk-based capital ratio | 14.0482% | 3,351 |
| Total risk-based capital ratio | 15.2993% | 3,255 |
| Memoranda: |
| Average total assets | $2,164,663,000 | 390 |
| Average earning assets | $2,006,370,500 | 386 |
| Average equity | $265,076,000 | 369 |
| Average total loans | $1,691,587,500 | 372 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6428% | 259 |
| Cost of funding earning assets | 0.3287% | 4,213 |
| Net interest margin | 5.3142% | 143 |
| Noninterest income to average assets | 0.7487% | 1,652 |
| Noninterest expense to average assets | 2.9423% | 2,220 |
| Loan and lease loss provision to assets | 0.3280% | 415 |
| Net operating income to assets | 1.8479% | 527 |
| Return on assets (ROA) | 1.8479% | 529 |
| Pretax return on assets | 2.4032% | 271 |
| Return on Equity (ROE) | 15.1995% | 814 |
| Retained earnings to average equity (ytd only) | 12.3674% | 468 |
| Net charge-offs to loans | -0.0571% | 4,968 |
| Credit loss provision to net charge-offs | -734.3750% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4992% | 4,935 |
| Assets per employee ($millions) | 4.6073% | 2,954 |
| Cash dividends to net income (ytd only)* | 18.6332% | 3,036 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3099% | 2,119 |
| Loan loss allowance to noncurrent loans | 257.9258% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,135 |
| Noncurrent loans to loans | 0.5079% | 2,894 |
| Net loans and leases to total assets | 77.7813% | 1,350 |
| Net loans and leases to deposits | 94.1408% | 1,341 |
| Net loans and leases to core deposits | 98.0758% | 1,888 |
| Total domestic deposits to total assets | 82.6223% | 3,514 |
| Equity capital to assets | 12.4245% | 1,580 |
| Core capital (leverage) ratio | 11.3394% | 2,214 |
| Tier 1 risk-based capital ratio | 13.8023% | 3,462 |
| Total risk-based capital ratio | 15.0530% | 3,372 |
| Memoranda: |
| Average total assets | $2,149,157,000 | 395 |
| Average earning assets | $1,991,692,000 | 388 |
| Average equity | $261,284,330 | 372 |
| Average total loans | $1,679,826,670 | 375 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5234% | 268 |
| Cost of funding earning assets | 0.3009% | 4,347 |
| Net interest margin | 5.2224% | 154 |
| Noninterest income to average assets | 0.8284% | 1,366 |
| Noninterest expense to average assets | 3.0929% | 1,845 |
| Loan and lease loss provision to assets | 0.3826% | 300 |
| Net operating income to assets | 1.7076% | 678 |
| Return on assets (ROA) | 1.7076% | 688 |
| Pretax return on assets | 2.1945% | 386 |
| Return on Equity (ROE) | 14.2031% | 965 |
| Retained earnings to average equity (ytd only) | 11.5642% | 775 |
| Net charge-offs to loans | -0.0906% | 5,171 |
| Credit loss provision to net charge-offs | -542.3280% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1867% | 4,782 |
| Assets per employee ($millions) | 4.5832% | 3,024 |
| Cash dividends to net income (ytd only)* | 18.5792% | 2,432 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2208% | 2,682 |
| Loan loss allowance to noncurrent loans | 280.2623% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 3,474 |
| Noncurrent loans to loans | 0.4356% | 3,222 |
| Net loans and leases to total assets | 77.5407% | 1,308 |
| Net loans and leases to deposits | 92.6899% | 1,369 |
| Net loans and leases to core deposits | 97.2236% | 1,888 |
| Total domestic deposits to total assets | 83.6560% | 3,449 |
| Equity capital to assets | 12.0465% | 1,754 |
| Core capital (leverage) ratio | 11.1087% | 2,328 |
| Tier 1 risk-based capital ratio | 13.2888% | 3,791 |
| Total risk-based capital ratio | 14.5272% | 3,698 |
| Memoranda: |
| Average total assets | $2,143,328,000 | 398 |
| Average earning assets | $1,987,052,000 | 392 |
| Average equity | $257,691,000 | 379 |
| Average total loans | $1,668,231,500 | 376 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0089% | 639 |
| Cost of funding earning assets | 0.1999% | 4,952 |
| Net interest margin | 4.8091% | 349 |
| Noninterest income to average assets | 0.9543% | 1,128 |
| Noninterest expense to average assets | 3.1685% | 1,686 |
| Loan and lease loss provision to assets | 0.1543% | 1,461 |
| Net operating income to assets | 1.1808% | 1,579 |
| Return on assets (ROA) | 1.1694% | 1,646 |
| Pretax return on assets | 2.1265% | 374 |
| Return on Equity (ROE) | 9.5383% | 2,086 |
| Retained earnings to average equity (ytd only) | 7.1120% | 1,036 |
| Net charge-offs to loans | 0.0911% | 2,175 |
| Credit loss provision to net charge-offs | 236.6609% | 1,170 |
| Earnings coverage of net charge-offs (x) | 35.2444% | 1,367 |
| Efficiency ratio | 57.7741% | 4,550 |
| Assets per employee ($millions) | 4.4237% | 3,314 |
| Cash dividends to net income (ytd only)* | 25.4367% | 3,476 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1172% | 3,255 |
| Loan loss allowance to noncurrent loans | 636.8476% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 4,218 |
| Noncurrent loans to loans | 0.1754% | 4,216 |
| Net loans and leases to total assets | 76.2939% | 1,544 |
| Net loans and leases to deposits | 89.1463% | 1,871 |
| Net loans and leases to core deposits | 93.9301% | 2,203 |
| Total domestic deposits to total assets | 85.5828% | 2,620 |
| Equity capital to assets | 11.9990% | 1,838 |
| Core capital (leverage) ratio | 11.3170% | 2,085 |
| Tier 1 risk-based capital ratio | 13.3518% | 3,715 |
| Total risk-based capital ratio | 14.5127% | 3,683 |
| Memoranda: |
| Average total assets | $1,781,692,800 | 447 |
| Average earning assets | $1,671,931,000 | 436 |
| Average equity | $218,446,400 | 409 |
| Average total loans | $1,275,892,400 | 436 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8998% | 761 |
| Cost of funding earning assets | 0.1893% | 5,057 |
| Net interest margin | 4.7105% | 399 |
| Noninterest income to average assets | 0.9892% | 1,049 |
| Noninterest expense to average assets | 2.9361% | 2,292 |
| Loan and lease loss provision to assets | 0.1572% | 1,315 |
| Net operating income to assets | 1.5838% | 749 |
| Return on assets (ROA) | 1.5668% | 791 |
| Pretax return on assets | 2.3092% | 294 |
| Return on Equity (ROE) | 12.6948% | 1,123 |
| Retained earnings to average equity (ytd only) | 10.3385% | 519 |
| Net charge-offs to loans | 0.1244% | 1,540 |
| Credit loss provision to net charge-offs | 180.8318% | 1,465 |
| Earnings coverage of net charge-offs (x) | 28.6573% | 1,600 |
| Efficiency ratio | 53.9921% | 4,936 |
| Assets per employee ($millions) | 4.3763% | 3,345 |
| Cash dividends to net income (ytd only)* | 18.5613% | 3,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4359% | 1,756 |
| Loan loss allowance to noncurrent loans | 425.2355% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 4,061 |
| Noncurrent loans to loans | 0.3377% | 3,740 |
| Net loans and leases to total assets | 67.5288% | 2,913 |
| Net loans and leases to deposits | 78.9341% | 3,074 |
| Net loans and leases to core deposits | 81.5214% | 3,324 |
| Total domestic deposits to total assets | 85.5508% | 2,498 |
| Equity capital to assets | 13.5529% | 1,133 |
| Core capital (leverage) ratio | 13.9878% | 892 |
| Tier 1 risk-based capital ratio | 18.8576% | 1,630 |
| Total risk-based capital ratio | 20.1278% | 1,579 |
| Memoranda: |
| Average total assets | $1,696,270,500 | 469 |
| Average earning assets | $1,598,206,750 | 455 |
| Average equity | $209,362,000 | 424 |
| Average total loans | $1,185,286,750 | 463 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8569% | 766 |
| Cost of funding earning assets | 0.1932% | 5,043 |
| Net interest margin | 4.6638% | 425 |
| Noninterest income to average assets | 1.0228% | 971 |
| Noninterest expense to average assets | 2.8946% | 2,441 |
| Loan and lease loss provision to assets | 0.1321% | 1,578 |
| Net operating income to assets | 1.6048% | 702 |
| Return on assets (ROA) | 1.6038% | 726 |
| Pretax return on assets | 2.3884% | 254 |
| Return on Equity (ROE) | 13.4673% | 932 |
| Retained earnings to average equity (ytd only) | 11.3492% | 390 |
| Net charge-offs to loans | 0.0929% | 1,691 |
| Credit loss provision to net charge-offs | 202.2059% | 1,258 |
| Earnings coverage of net charge-offs (x) | 38.5974% | 1,280 |
| Efficiency ratio | 53.3319% | 5,071 |
| Assets per employee ($millions) | 4.1970% | 3,630 |
| Cash dividends to net income (ytd only)* | 15.7280% | 3,247 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4285% | 1,829 |
| Loan loss allowance to noncurrent loans | 226.9216% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 3,170 |
| Noncurrent loans to loans | 0.6295% | 2,841 |
| Net loans and leases to total assets | 70.8119% | 2,400 |
| Net loans and leases to deposits | 81.5256% | 2,742 |
| Net loans and leases to core deposits | 84.6400% | 2,997 |
| Total domestic deposits to total assets | 86.8586% | 2,012 |
| Equity capital to assets | 12.1388% | 1,836 |
| Core capital (leverage) ratio | 12.3085% | 1,470 |
| Tier 1 risk-based capital ratio | 15.8859% | 2,548 |
| Total risk-based capital ratio | 17.1537% | 2,482 |
| Memoranda: |
| Average total assets | $1,665,056,330 | 476 |
| Average earning assets | $1,568,694,330 | 465 |
| Average equity | $198,287,670 | 442 |
| Average total loans | $1,171,610,670 | 469 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7317% | 885 |
| Cost of funding earning assets | 0.1966% | 5,010 |
| Net interest margin | 4.5351% | 492 |
| Noninterest income to average assets | 0.9985% | 1,007 |
| Noninterest expense to average assets | 2.9223% | 2,391 |
| Loan and lease loss provision to assets | 0.0483% | 2,846 |
| Net operating income to assets | 1.6149% | 658 |
| Return on assets (ROA) | 1.6127% | 677 |
| Pretax return on assets | 2.2980% | 303 |
| Return on Equity (ROE) | 13.6766% | 867 |
| Retained earnings to average equity (ytd only) | 10.8090% | 644 |
| Net charge-offs to loans | 0.0940% | 1,418 |
| Credit loss provision to net charge-offs | 73.8007% | 1,800 |
| Earnings coverage of net charge-offs (x) | 35.8930% | 1,110 |
| Efficiency ratio | 55.3239% | 5,009 |
| Assets per employee ($millions) | 4.3697% | 3,384 |
| Cash dividends to net income (ytd only)* | 20.9675% | 2,513 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4286% | 1,955 |
| Loan loss allowance to noncurrent loans | 291.8464% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 3,791 |
| Noncurrent loans to loans | 0.4895% | 3,335 |
| Net loans and leases to total assets | 68.2641% | 2,633 |
| Net loans and leases to deposits | 78.1209% | 2,951 |
| Net loans and leases to core deposits | 81.3525% | 3,151 |
| Total domestic deposits to total assets | 87.3826% | 2,037 |
| Equity capital to assets | 11.7685% | 1,989 |
| Core capital (leverage) ratio | 12.1783% | 1,516 |
| Tier 1 risk-based capital ratio | 16.0227% | 2,538 |
| Total risk-based capital ratio | 17.2904% | 2,484 |
| Memoranda: |
| Average total assets | $1,656,077,500 | 481 |
| Average earning assets | $1,560,448,000 | 468 |
| Average equity | $195,282,500 | 448 |
| Average total loans | $1,152,893,000 | 475 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9047% | 736 |
| Cost of funding earning assets | 0.1955% | 5,061 |
| Net interest margin | 4.7092% | 418 |
| Noninterest income to average assets | 1.0903% | 951 |
| Noninterest expense to average assets | 3.0427% | 2,210 |
| Loan and lease loss provision to assets | 0.0574% | 3,238 |
| Net operating income to assets | 1.5369% | 772 |
| Return on assets (ROA) | 1.5332% | 803 |
| Pretax return on assets | 2.4201% | 224 |
| Return on Equity (ROE) | 13.1379% | 963 |
| Retained earnings to average equity (ytd only) | 11.1032% | 296 |
| Net charge-offs to loans | -0.0235% | 5,168 |
| Credit loss provision to net charge-offs | -347.4903% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9488% | 5,156 |
| Assets per employee ($millions) | 4.3231% | 3,405 |
| Cash dividends to net income (ytd only)* | 15.4871% | 3,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4653% | 1,813 |
| Loan loss allowance to noncurrent loans | 311.9634% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,906 |
| Noncurrent loans to loans | 0.4697% | 3,467 |
| Net loans and leases to total assets | 68.9644% | 2,626 |
| Net loans and leases to deposits | 78.7799% | 3,012 |
| Net loans and leases to core deposits | 82.5525% | 3,166 |
| Total domestic deposits to total assets | 87.5407% | 1,853 |
| Equity capital to assets | 11.8160% | 1,925 |
| Core capital (leverage) ratio | 11.8117% | 1,717 |
| Tier 1 risk-based capital ratio | 16.0547% | 2,518 |
| Total risk-based capital ratio | 17.3214% | 2,453 |
| Memoranda: |
| Average total assets | $1,566,691,400 | 487 |
| Average earning assets | $1,475,734,600 | 468 |
| Average equity | $182,829,400 | 456 |
| Average total loans | $1,103,642,600 | 468 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8751% | 768 |
| Cost of funding earning assets | 0.1983% | 5,087 |
| Net interest margin | 4.6769% | 449 |
| Noninterest income to average assets | 1.0808% | 969 |
| Noninterest expense to average assets | 3.0316% | 2,223 |
| Loan and lease loss provision to assets | 0.0645% | 2,942 |
| Net operating income to assets | 1.5158% | 852 |
| Return on assets (ROA) | 1.5158% | 905 |
| Pretax return on assets | 2.3916% | 259 |
| Return on Equity (ROE) | 13.0320% | 1,048 |
| Retained earnings to average equity (ytd only) | 10.2825% | 518 |
| Net charge-offs to loans | 0.0154% | 3,425 |
| Credit loss provision to net charge-offs | 595.2381% | 618 |
| Earnings coverage of net charge-offs (x) | 226.7324% | 341 |
| Efficiency ratio | 55.1298% | 5,147 |
| Assets per employee ($millions) | 4.3240% | 3,375 |
| Cash dividends to net income (ytd only)* | 21.0980% | 3,190 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4440% | 2,000 |
| Loan loss allowance to noncurrent loans | 329.8879% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 4,086 |
| Noncurrent loans to loans | 0.4377% | 3,718 |
| Net loans and leases to total assets | 68.2916% | 2,757 |
| Net loans and leases to deposits | 78.0425% | 3,182 |
| Net loans and leases to core deposits | 80.7600% | 3,374 |
| Total domestic deposits to total assets | 87.5057% | 1,660 |
| Equity capital to assets | 11.6219% | 2,418 |
| Core capital (leverage) ratio | 11.8821% | 1,759 |
| Tier 1 risk-based capital ratio | 15.7628% | 2,717 |
| Total risk-based capital ratio | 17.0303% | 2,648 |
| Memoranda: |
| Average total assets | $1,550,912,250 | 496 |
| Average earning assets | $1,461,364,750 | 475 |
| Average equity | $180,392,250 | 466 |
| Average total loans | $1,094,377,500 | 468 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8799% | 756 |
| Cost of funding earning assets | 0.2029% | 5,113 |
| Net interest margin | 4.6771% | 439 |
| Noninterest income to average assets | 1.0670% | 983 |
| Noninterest expense to average assets | 3.0889% | 2,091 |
| Loan and lease loss provision to assets | 0.0556% | 3,035 |
| Net operating income to assets | 1.4734% | 936 |
| Return on assets (ROA) | 1.4734% | 984 |
| Pretax return on assets | 2.3322% | 289 |
| Return on Equity (ROE) | 12.6640% | 1,112 |
| Retained earnings to average equity (ytd only) | 9.8868% | 626 |
| Net charge-offs to loans | -0.0313% | 5,146 |
| Credit loss provision to net charge-offs | -250.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2833% | 5,115 |
| Assets per employee ($millions) | 4.2147% | 3,534 |
| Cash dividends to net income (ytd only)* | 21.9302% | 3,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4581% | 2,034 |
| Loan loss allowance to noncurrent loans | 300.0557% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 3,936 |
| Noncurrent loans to loans | 0.4859% | 3,632 |
| Net loans and leases to total assets | 70.5707% | 2,390 |
| Net loans and leases to deposits | 80.8877% | 2,828 |
| Net loans and leases to core deposits | 84.2001% | 3,065 |
| Total domestic deposits to total assets | 87.2453% | 1,781 |
| Equity capital to assets | 11.8380% | 2,242 |
| Core capital (leverage) ratio | 11.8867% | 1,705 |
| Tier 1 risk-based capital ratio | 15.4539% | 2,878 |
| Total risk-based capital ratio | 16.7201% | 2,805 |
| Memoranda: |
| Average total assets | $1,528,824,670 | 504 |
| Average earning assets | $1,441,456,670 | 480 |
| Average equity | $177,874,000 | 470 |
| Average total loans | $1,085,644,670 | 472 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8484% | 769 |
| Cost of funding earning assets | 0.2106% | 5,098 |
| Net interest margin | 4.6378% | 470 |
| Noninterest income to average assets | 0.9856% | 1,113 |
| Noninterest expense to average assets | 3.0661% | 2,190 |
| Loan and lease loss provision to assets | 0.0526% | 2,884 |
| Net operating income to assets | 1.4407% | 962 |
| Return on assets (ROA) | 1.4407% | 1,009 |
| Pretax return on assets | 2.2371% | 356 |
| Return on Equity (ROE) | 12.4938% | 1,155 |
| Retained earnings to average equity (ytd only) | 9.6750% | 931 |
| Net charge-offs to loans | 0.0127% | 2,704 |
| Credit loss provision to net charge-offs | 588.2353% | 537 |
| Earnings coverage of net charge-offs (x) | 255.8824% | 235 |
| Efficiency ratio | 57.1302% | 5,083 |
| Assets per employee ($millions) | 4.1977% | 3,594 |
| Cash dividends to net income (ytd only)* | 22.5612% | 2,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4514% | 2,194 |
| Loan loss allowance to noncurrent loans | 303.1232% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 4,054 |
| Noncurrent loans to loans | 0.4788% | 3,745 |
| Net loans and leases to total assets | 70.2539% | 2,297 |
| Net loans and leases to deposits | 80.4312% | 2,739 |
| Net loans and leases to core deposits | 84.1584% | 2,925 |
| Total domestic deposits to total assets | 87.3467% | 2,031 |
| Equity capital to assets | 11.7173% | 2,227 |
| Core capital (leverage) ratio | 11.7060% | 1,823 |
| Tier 1 risk-based capital ratio | 14.8049% | 3,244 |
| Total risk-based capital ratio | 16.0705% | 3,175 |
| Memoranda: |
| Average total assets | $1,519,835,000 | 504 |
| Average earning assets | $1,432,139,500 | 483 |
| Average equity | $175,255,500 | 472 |
| Average total loans | $1,074,595,500 | 475 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6966% | 1,120 |
| Cost of funding earning assets | 0.2159% | 5,133 |
| Net interest margin | 4.4807% | 679 |
| Noninterest income to average assets | 1.0949% | 982 |
| Noninterest expense to average assets | 3.1601% | 2,063 |
| Loan and lease loss provision to assets | 0.0688% | 2,919 |
| Net operating income to assets | 1.3733% | 1,091 |
| Return on assets (ROA) | 1.3741% | 1,133 |
| Pretax return on assets | 2.0950% | 440 |
| Return on Equity (ROE) | 12.1027% | 1,275 |
| Retained earnings to average equity (ytd only) | 10.3151% | 419 |
| Net charge-offs to loans | 0.0595% | 3,030 |
| Credit loss provision to net charge-offs | 168.3502% | 1,603 |
| Earnings coverage of net charge-offs (x) | 52.9158% | 962 |
| Efficiency ratio | 59.2464% | 5,001 |
| Assets per employee ($millions) | 4.8566% | 2,524 |
| Cash dividends to net income (ytd only)* | 14.7699% | 3,953 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4595% | 2,180 |
| Loan loss allowance to noncurrent loans | 209.6348% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 3,533 |
| Noncurrent loans to loans | 0.6962% | 3,107 |
| Net loans and leases to total assets | 69.0976% | 2,522 |
| Net loans and leases to deposits | 80.1045% | 2,810 |
| Net loans and leases to core deposits | 83.5810% | 3,000 |
| Total domestic deposits to total assets | 86.2594% | 2,512 |
| Equity capital to assets | 11.3452% | 2,501 |
| Core capital (leverage) ratio | 11.3068% | 2,116 |
| Tier 1 risk-based capital ratio | 14.7111% | 3,327 |
| Total risk-based capital ratio | 15.9774% | 3,248 |
| Memoranda: |
| Average total assets | $1,453,507,400 | 493 |
| Average earning assets | $1,371,452,600 | 470 |
| Average equity | $165,029,800 | 480 |
| Average total loans | $999,099,400 | 481 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6517% | 1,203 |
| Cost of funding earning assets | 0.2192% | 5,193 |
| Net interest margin | 4.4325% | 749 |
| Noninterest income to average assets | 1.1343% | 932 |
| Noninterest expense to average assets | 3.1056% | 2,207 |
| Loan and lease loss provision to assets | 0.0742% | 2,687 |
| Net operating income to assets | 1.3981% | 1,111 |
| Return on assets (ROA) | 1.3987% | 1,156 |
| Pretax return on assets | 2.1393% | 468 |
| Return on Equity (ROE) | 12.3163% | 1,293 |
| Retained earnings to average equity (ytd only) | 10.7638% | 509 |
| Net charge-offs to loans | 0.0575% | 2,777 |
| Credit loss provision to net charge-offs | 188.6792% | 1,398 |
| Earnings coverage of net charge-offs (x) | 56.2405% | 960 |
| Efficiency ratio | 58.2667% | 5,087 |
| Assets per employee ($millions) | 4.8498% | 2,490 |
| Cash dividends to net income (ytd only)* | 12.6053% | 3,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5475% | 1,975 |
| Loan loss allowance to noncurrent loans | 165.4801% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 3,279 |
| Noncurrent loans to loans | 0.9351% | 2,638 |
| Net loans and leases to total assets | 65.0753% | 3,141 |
| Net loans and leases to deposits | 73.9884% | 3,549 |
| Net loans and leases to core deposits | 77.4077% | 3,659 |
| Total domestic deposits to total assets | 87.9534% | 1,591 |
| Equity capital to assets | 11.1949% | 2,800 |
| Core capital (leverage) ratio | 11.5367% | 2,009 |
| Tier 1 risk-based capital ratio | 15.1313% | 3,229 |
| Total risk-based capital ratio | 16.3976% | 3,155 |
| Memoranda: |
| Average total assets | $1,436,855,000 | 498 |
| Average earning assets | $1,356,326,000 | 477 |
| Average equity | $163,172,250 | 487 |
| Average total loans | $982,393,750 | 486 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6423% | 1,178 |
| Cost of funding earning assets | 0.2513% | 4,924 |
| Net interest margin | 4.3910% | 771 |
| Noninterest income to average assets | 1.2391% | 791 |
| Noninterest expense to average assets | 3.0918% | 2,267 |
| Loan and lease loss provision to assets | 0.0538% | 3,038 |
| Net operating income to assets | 1.4875% | 918 |
| Return on assets (ROA) | 1.4875% | 965 |
| Pretax return on assets | 2.2735% | 358 |
| Return on Equity (ROE) | 12.7853% | 1,161 |
| Retained earnings to average equity (ytd only) | 11.7054% | 428 |
| Net charge-offs to loans | 0.0347% | 2,976 |
| Credit loss provision to net charge-offs | 222.2222% | 1,130 |
| Earnings coverage of net charge-offs (x) | 96.0444% | 614 |
| Efficiency ratio | 57.0534% | 5,333 |
| Assets per employee ($millions) | 4.8483% | 2,471 |
| Cash dividends to net income (ytd only)* | 8.4470% | 3,488 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8089% | 1,354 |
| Loan loss allowance to noncurrent loans | 249.9307% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 3,940 |
| Noncurrent loans to loans | 0.7238% | 3,313 |
| Net loans and leases to total assets | 68.1972% | 2,614 |
| Net loans and leases to deposits | 77.7999% | 3,056 |
| Net loans and leases to core deposits | 82.2082% | 3,152 |
| Total domestic deposits to total assets | 87.6572% | 1,812 |
| Equity capital to assets | 11.5930% | 2,336 |
| Core capital (leverage) ratio | 11.8551% | 1,745 |
| Tier 1 risk-based capital ratio | 15.2713% | 3,212 |
| Total risk-based capital ratio | 16.5442% | 3,141 |
| Memoranda: |
| Average total assets | $1,114,240,670 | 639 |
| Average earning assets | $1,060,716,330 | 609 |
| Average equity | $129,633,000 | 589 |
| Average total loans | $778,804,670 | 602 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6651% | 1,101 |
| Cost of funding earning assets | 0.2569% | 4,942 |
| Net interest margin | 4.4083% | 719 |
| Noninterest income to average assets | 1.2749% | 706 |
| Noninterest expense to average assets | 3.1115% | 2,235 |
| Loan and lease loss provision to assets | 0.0182% | 3,481 |
| Net operating income to assets | 1.5339% | 798 |
| Return on assets (ROA) | 1.5339% | 840 |
| Pretax return on assets | 2.3387% | 303 |
| Return on Equity (ROE) | 13.1597% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.1597% | 428 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8990% | 5,448 |
| Assets per employee ($millions) | 4.6993% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8426% | 1,410 |
| Loan loss allowance to noncurrent loans | 398.8026% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 4,616 |
| Noncurrent loans to loans | 0.4620% | 4,196 |
| Net loans and leases to total assets | 68.4992% | 2,367 |
| Net loans and leases to deposits | 78.2808% | 2,764 |
| Net loans and leases to core deposits | 83.1342% | 2,854 |
| Total domestic deposits to total assets | 87.5045% | 2,104 |
| Equity capital to assets | 11.7005% | 2,287 |
| Core capital (leverage) ratio | 11.7323% | 1,828 |
| Tier 1 risk-based capital ratio | 15.2196% | 3,308 |
| Total risk-based capital ratio | 16.4928% | 3,223 |
| Memoranda: |
| Average total assets | $1,096,838,000 | 645 |
| Average earning assets | $1,043,398,500 | 616 |
| Average equity | $127,845,000 | 598 |
| Average total loans | $769,180,500 | 603 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6280% | 1,477 |
| Cost of funding earning assets | 0.2791% | 5,012 |
| Net interest margin | 4.3489% | 969 |
| Noninterest income to average assets | 1.2102% | 814 |
| Noninterest expense to average assets | 3.2083% | 2,190 |
| Loan and lease loss provision to assets | 0.1041% | 2,416 |
| Net operating income to assets | 1.2725% | 1,364 |
| Return on assets (ROA) | 1.2766% | 1,408 |
| Pretax return on assets | 2.0102% | 500 |
| Return on Equity (ROE) | 11.2068% | 1,654 |
| Retained earnings to average equity (ytd only) | 8.3810% | 879 |
| Net charge-offs to loans | 0.1752% | 2,270 |
| Credit loss provision to net charge-offs | 90.2379% | 2,647 |
| Earnings coverage of net charge-offs (x) | 18.2650% | 1,855 |
| Efficiency ratio | 60.3494% | 5,170 |
| Assets per employee ($millions) | 4.5376% | 2,979 |
| Cash dividends to net income (ytd only)* | 25.2151% | 3,597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8749% | 1,373 |
| Loan loss allowance to noncurrent loans | 293.4005% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 4,217 |
| Noncurrent loans to loans | 0.6390% | 3,771 |
| Net loans and leases to total assets | 69.1583% | 2,371 |
| Net loans and leases to deposits | 78.7782% | 2,868 |
| Net loans and leases to core deposits | 83.5376% | 2,948 |
| Total domestic deposits to total assets | 87.7887% | 1,875 |
| Equity capital to assets | 11.6097% | 2,333 |
| Core capital (leverage) ratio | 11.4457% | 2,020 |
| Tier 1 risk-based capital ratio | 14.9566% | 3,509 |
| Total risk-based capital ratio | 16.2125% | 3,444 |
| Memoranda: |
| Average total assets | $1,056,247,400 | 639 |
| Average earning assets | $997,255,200 | 610 |
| Average equity | $120,319,600 | 605 |
| Average total loans | $695,682,800 | 621 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5617% | 1,668 |
| Cost of funding earning assets | 0.2819% | 5,080 |
| Net interest margin | 4.2798% | 1,092 |
| Noninterest income to average assets | 1.2032% | 833 |
| Noninterest expense to average assets | 3.1964% | 2,188 |
| Loan and lease loss provision to assets | 0.0508% | 3,355 |
| Net operating income to assets | 1.2724% | 1,458 |
| Return on assets (ROA) | 1.2778% | 1,498 |
| Pretax return on assets | 1.9984% | 574 |
| Return on Equity (ROE) | 11.2730% | 1,694 |
| Retained earnings to average equity (ytd only) | 10.0411% | 697 |
| Net charge-offs to loans | 0.1625% | 2,175 |
| Credit loss provision to net charge-offs | 48.3092% | 3,132 |
| Earnings coverage of net charge-offs (x) | 19.4155% | 1,785 |
| Efficiency ratio | 61.0335% | 5,036 |
| Assets per employee ($millions) | 4.4883% | 2,992 |
| Cash dividends to net income (ytd only)* | 10.9279% | 3,531 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9183% | 1,413 |
| Loan loss allowance to noncurrent loans | 171.6921% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 3,520 |
| Noncurrent loans to loans | 1.1173% | 2,826 |
| Net loans and leases to total assets | 66.2719% | 2,810 |
| Net loans and leases to deposits | 75.5715% | 3,232 |
| Net loans and leases to core deposits | 79.8202% | 3,329 |
| Total domestic deposits to total assets | 87.6942% | 1,922 |
| Equity capital to assets | 11.4973% | 2,492 |
| Core capital (leverage) ratio | 11.5966% | 1,982 |
| Tier 1 risk-based capital ratio | 15.3423% | 3,403 |
| Total risk-based capital ratio | 16.5986% | 3,332 |
| Memoranda: |
| Average total assets | $1,050,321,500 | 635 |
| Average earning assets | $989,979,000 | 608 |
| Average equity | $119,054,750 | 610 |
| Average total loans | $679,316,750 | 636 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5214% | 1,764 |
| Cost of funding earning assets | 0.2839% | 5,144 |
| Net interest margin | 4.2375% | 1,159 |
| Noninterest income to average assets | 1.2086% | 798 |
| Noninterest expense to average assets | 3.2396% | 2,072 |
| Loan and lease loss provision to assets | 0.0384% | 3,530 |
| Net operating income to assets | 1.2465% | 1,456 |
| Return on assets (ROA) | 1.2537% | 1,500 |
| Pretax return on assets | 1.9290% | 646 |
| Return on Equity (ROE) | 11.1155% | 1,705 |
| Retained earnings to average equity (ytd only) | 9.2425% | 901 |
| Net charge-offs to loans | 0.1758% | 1,980 |
| Credit loss provision to net charge-offs | 34.3053% | 2,996 |
| Earnings coverage of net charge-offs (x) | 17.4717% | 1,732 |
| Efficiency ratio | 62.3494% | 4,960 |
| Assets per employee ($millions) | 4.3730% | 3,132 |
| Cash dividends to net income (ytd only)* | 16.8505% | 3,278 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0656% | 1,245 |
| Loan loss allowance to noncurrent loans | 241.2504% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 4,293 |
| Noncurrent loans to loans | 0.8562% | 3,560 |
| Net loans and leases to total assets | 63.5418% | 3,153 |
| Net loans and leases to deposits | 72.4569% | 3,513 |
| Net loans and leases to core deposits | 76.6082% | 3,563 |
| Total domestic deposits to total assets | 87.6960% | 2,087 |
| Equity capital to assets | 11.5245% | 2,402 |
| Core capital (leverage) ratio | 11.7027% | 1,848 |
| Tier 1 risk-based capital ratio | 15.7522% | 3,223 |
| Total risk-based capital ratio | 17.0098% | 3,154 |
| Memoranda: |
| Average total assets | $1,041,367,330 | 638 |
| Average earning assets | $979,863,000 | 611 |
| Average equity | $117,457,330 | 608 |
| Average total loans | $663,145,000 | 645 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4972% | 1,821 |
| Cost of funding earning assets | 0.2866% | 5,204 |
| Net interest margin | 4.2106% | 1,189 |
| Noninterest income to average assets | 1.2137% | 751 |
| Noninterest expense to average assets | 3.2089% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2795% | 1,268 |
| Return on assets (ROA) | 1.2702% | 1,347 |
| Pretax return on assets | 1.9540% | 584 |
| Return on Equity (ROE) | 11.3864% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.3864% | 691 |
| Net charge-offs to loans | 0.0549% | 2,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 56.8333% | 684 |
| Efficiency ratio | 61.9816% | 5,125 |
| Assets per employee ($millions) | 4.5002% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2018% | 1,156 |
| Loan loss allowance to noncurrent loans | 188.6295% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 3,895 |
| Noncurrent loans to loans | 1.1673% | 3,102 |
| Net loans and leases to total assets | 60.5754% | 3,465 |
| Net loans and leases to deposits | 68.9989% | 3,738 |
| Net loans and leases to core deposits | 72.9297% | 3,768 |
| Total domestic deposits to total assets | 87.7919% | 2,350 |
| Equity capital to assets | 11.2297% | 2,495 |
| Core capital (leverage) ratio | 11.4862% | 1,973 |
| Tier 1 risk-based capital ratio | 16.0523% | 3,148 |
| Total risk-based capital ratio | 17.3112% | 3,094 |
| Memoranda: |
| Average total assets | $1,039,483,000 | 644 |
| Average earning assets | $978,484,000 | 619 |
| Average equity | $115,962,500 | 617 |
| Average total loans | $655,665,000 | 654 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6204% | 1,798 |
| Cost of funding earning assets | 0.3304% | 5,320 |
| Net interest margin | 4.2900% | 1,133 |
| Noninterest income to average assets | 1.4335% | 677 |
| Noninterest expense to average assets | 3.4117% | 1,858 |
| Loan and lease loss provision to assets | 0.1505% | 2,399 |
| Net operating income to assets | 1.2517% | 1,386 |
| Return on assets (ROA) | 1.2334% | 1,504 |
| Pretax return on assets | 1.8858% | 622 |
| Return on Equity (ROE) | 10.5830% | 1,898 |
| Retained earnings to average equity (ytd only) | 2.2323% | 4,660 |
| Net charge-offs to loans | 0.1290% | 3,522 |
| Credit loss provision to net charge-offs | 184.0491% | 1,247 |
| Earnings coverage of net charge-offs (x) | 25.2454% | 1,337 |
| Efficiency ratio | 62.3010% | 5,158 |
| Assets per employee ($millions) | 3.6933% | 4,492 |
| Cash dividends to net income (ytd only)* | 78.9067% | 961 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1741% | 1,212 |
| Loan loss allowance to noncurrent loans | 106.4192% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4360% | 2,589 |
| Noncurrent loans to loans | 2.0430% | 1,944 |
| Net loans and leases to total assets | 62.8364% | 3,229 |
| Net loans and leases to deposits | 71.3337% | 3,612 |
| Net loans and leases to core deposits | 75.3403% | 3,689 |
| Total domestic deposits to total assets | 88.0880% | 2,126 |
| Equity capital to assets | 11.0805% | 2,541 |
| Core capital (leverage) ratio | 11.1174% | 2,273 |
| Tier 1 risk-based capital ratio | 15.6212% | 3,293 |
| Total risk-based capital ratio | 16.8804% | 3,246 |
| Memoranda: |
| Average total assets | $996,640,000 | 659 |
| Average earning assets | $939,156,400 | 634 |
| Average equity | $116,157,800 | 611 |
| Average total loans | $631,709,200 | 664 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6969% | 1,604 |
| Cost of funding earning assets | 0.3421% | 5,365 |
| Net interest margin | 4.3548% | 977 |
| Noninterest income to average assets | 1.4859% | 668 |
| Noninterest expense to average assets | 3.4187% | 1,781 |
| Loan and lease loss provision to assets | 0.1754% | 2,075 |
| Net operating income to assets | 1.3046% | 1,347 |
| Return on assets (ROA) | 1.3058% | 1,394 |
| Pretax return on assets | 1.9936% | 582 |
| Return on Equity (ROE) | 11.0616% | 1,795 |
| Retained earnings to average equity (ytd only) | 7.6327% | 1,573 |
| Net charge-offs to loans | 0.1882% | 2,716 |
| Credit loss provision to net charge-offs | 147.5596% | 1,594 |
| Earnings coverage of net charge-offs (x) | 18.2327% | 1,695 |
| Efficiency ratio | 61.2014% | 5,242 |
| Assets per employee ($millions) | 3.6916% | 4,470 |
| Cash dividends to net income (ytd only)* | 30.9981% | 2,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2008% | 1,325 |
| Loan loss allowance to noncurrent loans | 115.2603% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.3150% | 3,015 |
| Noncurrent loans to loans | 1.9094% | 2,352 |
| Net loans and leases to total assets | 60.9402% | 3,531 |
| Net loans and leases to deposits | 69.7538% | 3,820 |
| Net loans and leases to core deposits | 73.8887% | 3,859 |
| Total domestic deposits to total assets | 87.3646% | 2,476 |
| Equity capital to assets | 11.5606% | 2,255 |
| Core capital (leverage) ratio | 11.7672% | 1,843 |
| Tier 1 risk-based capital ratio | 16.8456% | 2,773 |
| Total risk-based capital ratio | 18.1053% | 2,725 |
| Memoranda: |
| Average total assets | $988,195,000 | 666 |
| Average earning assets | $930,386,250 | 643 |
| Average equity | $116,653,250 | 614 |
| Average total loans | $624,169,250 | 673 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7307% | 1,489 |
| Cost of funding earning assets | 0.3542% | 5,358 |
| Net interest margin | 4.3765% | 890 |
| Noninterest income to average assets | 1.5252% | 675 |
| Noninterest expense to average assets | 3.4309% | 1,758 |
| Loan and lease loss provision to assets | 0.2463% | 1,514 |
| Net operating income to assets | 1.3095% | 1,303 |
| Return on assets (ROA) | 1.3113% | 1,380 |
| Pretax return on assets | 1.9719% | 637 |
| Return on Equity (ROE) | 11.0282% | 1,805 |
| Retained earnings to average equity (ytd only) | 5.8490% | 2,520 |
| Net charge-offs to loans | 0.2277% | 2,369 |
| Credit loss provision to net charge-offs | 170.4545% | 1,383 |
| Earnings coverage of net charge-offs (x) | 15.3310% | 1,750 |
| Efficiency ratio | 60.7613% | 5,370 |
| Assets per employee ($millions) | 3.5848% | 4,657 |
| Cash dividends to net income (ytd only)* | 46.9631% | 1,994 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2136% | 1,398 |
| Loan loss allowance to noncurrent loans | 114.1559% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.3353% | 3,104 |
| Noncurrent loans to loans | 1.9391% | 2,465 |
| Net loans and leases to total assets | 63.8686% | 2,932 |
| Net loans and leases to deposits | 73.1357% | 3,273 |
| Net loans and leases to core deposits | 78.0878% | 3,273 |
| Total domestic deposits to total assets | 87.3290% | 2,636 |
| Equity capital to assets | 11.7918% | 2,061 |
| Core capital (leverage) ratio | 12.0665% | 1,580 |
| Tier 1 risk-based capital ratio | 16.5952% | 2,891 |
| Total risk-based capital ratio | 17.8555% | 2,847 |
| Memoranda: |
| Average total assets | $974,276,330 | 677 |
| Average earning assets | $917,454,000 | 651 |
| Average equity | $115,848,000 | 621 |
| Average total loans | $618,299,670 | 677 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0204% | 858 |
| Cost of funding earning assets | 0.3652% | 5,414 |
| Net interest margin | 4.6552% | 517 |
| Noninterest income to average assets | 1.5661% | 630 |
| Noninterest expense to average assets | 3.4781% | 1,664 |
| Loan and lease loss provision to assets | 0.2473% | 1,459 |
| Net operating income to assets | 1.4692% | 914 |
| Return on assets (ROA) | 1.4692% | 996 |
| Pretax return on assets | 2.2129% | 406 |
| Return on Equity (ROE) | 12.3045% | 1,342 |
| Retained earnings to average equity (ytd only) | 12.3045% | 657 |
| Net charge-offs to loans | 0.3778% | 1,507 |
| Credit loss provision to net charge-offs | 104.7120% | 1,761 |
| Earnings coverage of net charge-offs (x) | 10.4154% | 1,745 |
| Efficiency ratio | 58.5699% | 5,773 |
| Assets per employee ($millions) | 3.5025% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2633% | 1,468 |
| Loan loss allowance to noncurrent loans | 122.0622% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 3,565 |
| Noncurrent loans to loans | 1.8542% | 2,793 |
| Net loans and leases to total assets | 62.4750% | 2,972 |
| Net loans and leases to deposits | 71.9363% | 3,188 |
| Net loans and leases to core deposits | 77.3876% | 3,146 |
| Total domestic deposits to total assets | 86.8477% | 3,049 |
| Equity capital to assets | 12.3834% | 1,786 |
| Core capital (leverage) ratio | 12.1911% | 1,467 |
| Tier 1 risk-based capital ratio | 17.6650% | 2,498 |
| Total risk-based capital ratio | 18.9258% | 2,457 |
| Memoranda: |
| Average total assets | $970,294,500 | 685 |
| Average earning assets | $911,319,500 | 660 |
| Average equity | $115,860,000 | 628 |
| Average total loans | $606,677,500 | 685 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8462% | 2,033 |
| Cost of funding earning assets | 0.4186% | 5,796 |
| Net interest margin | 4.4275% | 1,098 |
| Noninterest income to average assets | 1.2461% | 1,001 |
| Noninterest expense to average assets | 3.3778% | 2,111 |
| Loan and lease loss provision to assets | 0.5063% | 1,165 |
| Net operating income to assets | 0.9955% | 2,355 |
| Return on assets (ROA) | 1.0000% | 2,556 |
| Pretax return on assets | 1.5031% | 1,667 |
| Return on Equity (ROE) | 8.4396% | 2,898 |
| Retained earnings to average equity (ytd only) | 7.1669% | 1,492 |
| Net charge-offs to loans | 1.0567% | 1,016 |
| Credit loss provision to net charge-offs | 72.7892% | 4,077 |
| Earnings coverage of net charge-offs (x) | 2.8792% | 3,997 |
| Efficiency ratio | 62.7800% | 5,121 |
| Assets per employee ($millions) | 3.6993% | 4,563 |
| Cash dividends to net income (ytd only)* | 15.0797% | 3,917 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2592% | 1,441 |
| Loan loss allowance to noncurrent loans | 61.0169% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.4579% | 1,992 |
| Noncurrent loans to loans | 3.7026% | 1,311 |
| Net loans and leases to total assets | 59.8056% | 3,637 |
| Net loans and leases to deposits | 68.0946% | 3,965 |
| Net loans and leases to core deposits | 73.2409% | 3,885 |
| Total domestic deposits to total assets | 87.8273% | 2,328 |
| Equity capital to assets | 11.5169% | 2,431 |
| Core capital (leverage) ratio | 11.6862% | 1,743 |
| Tier 1 risk-based capital ratio | 17.0253% | 2,638 |
| Total risk-based capital ratio | 18.2860% | 2,601 |
| Memoranda: |
| Average total assets | $928,367,200 | 710 |
| Average earning assets | $866,869,600 | 691 |
| Average equity | $110,005,400 | 645 |
| Average total loans | $611,074,600 | 678 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9352% | 1,880 |
| Cost of funding earning assets | 0.4343% | 5,907 |
| Net interest margin | 4.5009% | 989 |
| Noninterest income to average assets | 1.2237% | 996 |
| Noninterest expense to average assets | 3.2691% | 2,359 |
| Loan and lease loss provision to assets | 0.5260% | 1,140 |
| Net operating income to assets | 1.0848% | 2,150 |
| Return on assets (ROA) | 1.0909% | 2,320 |
| Pretax return on assets | 1.6408% | 1,450 |
| Return on Equity (ROE) | 9.1369% | 2,732 |
| Retained earnings to average equity (ytd only) | 9.1369% | 1,170 |
| Net charge-offs to loans | 0.8710% | 1,262 |
| Credit loss provision to net charge-offs | 90.0225% | 3,292 |
| Earnings coverage of net charge-offs (x) | 3.6929% | 3,552 |
| Efficiency ratio | 60.2412% | 5,457 |
| Assets per employee ($millions) | 3.7245% | 4,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4254% | 1,309 |
| Loan loss allowance to noncurrent loans | 65.8003% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 2.8586% | 1,837 |
| Noncurrent loans to loans | 3.6860% | 1,452 |
| Net loans and leases to total assets | 64.3106% | 2,976 |
| Net loans and leases to deposits | 74.0934% | 3,267 |
| Net loans and leases to core deposits | 80.0657% | 3,201 |
| Total domestic deposits to total assets | 86.7967% | 2,801 |
| Equity capital to assets | 12.0310% | 2,232 |
| Core capital (leverage) ratio | 12.1115% | 1,589 |
| Tier 1 risk-based capital ratio | 16.6096% | 2,934 |
| Total risk-based capital ratio | 17.8722% | 2,901 |
| Memoranda: |
| Average total assets | $912,604,000 | 728 |
| Average earning assets | $852,198,500 | 707 |
| Average equity | $108,961,500 | 652 |
| Average total loans | $612,185,750 | 676 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9739% | 1,860 |
| Cost of funding earning assets | 0.4460% | 5,995 |
| Net interest margin | 4.5279% | 946 |
| Noninterest income to average assets | 1.1864% | 1,010 |
| Noninterest expense to average assets | 3.2631% | 2,405 |
| Loan and lease loss provision to assets | 0.5982% | 1,000 |
| Net operating income to assets | 1.0291% | 2,343 |
| Return on assets (ROA) | 1.0384% | 2,531 |
| Pretax return on assets | 1.5586% | 1,677 |
| Return on Equity (ROE) | 8.7206% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.7206% | 1,367 |
| Net charge-offs to loans | 1.0866% | 1,004 |
| Credit loss provision to net charge-offs | 81.5710% | 3,273 |
| Earnings coverage of net charge-offs (x) | 2.9221% | 3,575 |
| Efficiency ratio | 60.3607% | 5,521 |
| Assets per employee ($millions) | 3.6596% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4127% | 1,399 |
| Loan loss allowance to noncurrent loans | 55.7466% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 3.4708% | 1,538 |
| Noncurrent loans to loans | 4.3280% | 1,243 |
| Net loans and leases to total assets | 65.9246% | 2,683 |
| Net loans and leases to deposits | 75.4362% | 3,058 |
| Net loans and leases to core deposits | 81.9421% | 2,967 |
| Total domestic deposits to total assets | 87.3912% | 2,540 |
| Equity capital to assets | 12.0589% | 2,110 |
| Core capital (leverage) ratio | 12.0948% | 1,559 |
| Tier 1 risk-based capital ratio | 16.2433% | 3,038 |
| Total risk-based capital ratio | 17.5057% | 2,998 |
| Memoranda: |
| Average total assets | $902,709,000 | 735 |
| Average earning assets | $841,228,000 | 716 |
| Average equity | $107,493,000 | 657 |
| Average total loans | $609,229,330 | 677 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0378% | 1,766 |
| Cost of funding earning assets | 0.4602% | 6,082 |
| Net interest margin | 4.5775% | 859 |
| Noninterest income to average assets | 1.2243% | 954 |
| Noninterest expense to average assets | 3.2817% | 2,346 |
| Loan and lease loss provision to assets | 0.6233% | 898 |
| Net operating income to assets | 1.0502% | 2,287 |
| Return on assets (ROA) | 1.0641% | 2,425 |
| Pretax return on assets | 1.6045% | 1,556 |
| Return on Equity (ROE) | 8.9936% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.9936% | 1,601 |
| Net charge-offs to loans | 1.0930% | 943 |
| Credit loss provision to net charge-offs | 84.5411% | 2,650 |
| Earnings coverage of net charge-offs (x) | 2.9934% | 2,992 |
| Efficiency ratio | 59.7907% | 5,645 |
| Assets per employee ($millions) | 3.6870% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4795% | 1,388 |
| Loan loss allowance to noncurrent loans | 52.3767% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 4.0015% | 1,376 |
| Noncurrent loans to loans | 4.7340% | 1,206 |
| Net loans and leases to total assets | 65.9378% | 2,475 |
| Net loans and leases to deposits | 75.3157% | 2,922 |
| Net loans and leases to core deposits | 82.4771% | 2,761 |
| Total domestic deposits to total assets | 87.5485% | 2,621 |
| Equity capital to assets | 11.8579% | 2,141 |
| Core capital (leverage) ratio | 11.9625% | 1,611 |
| Tier 1 risk-based capital ratio | 16.0754% | 3,136 |
| Total risk-based capital ratio | 17.3387% | 3,095 |
| Memoranda: |
| Average total assets | $898,448,500 | 739 |
| Average earning assets | $836,955,000 | 720 |
| Average equity | $106,297,500 | 662 |
| Average total loans | $606,055,500 | 684 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2672% | 1,807 |
| Cost of funding earning assets | 0.6117% | 6,038 |
| Net interest margin | 4.6556% | 823 |
| Noninterest income to average assets | 1.0333% | 1,277 |
| Noninterest expense to average assets | 3.4969% | 1,990 |
| Loan and lease loss provision to assets | 0.7216% | 1,418 |
| Net operating income to assets | 0.7613% | 3,212 |
| Return on assets (ROA) | 0.7687% | 3,344 |
| Pretax return on assets | 1.1318% | 2,719 |
| Return on Equity (ROE) | 6.4803% | 3,657 |
| Retained earnings to average equity (ytd only) | 5.9397% | 2,049 |
| Net charge-offs to loans | 1.7133% | 886 |
| Credit loss provision to net charge-offs | 61.4653% | 5,137 |
| Earnings coverage of net charge-offs (x) | 1.5694% | 4,595 |
| Efficiency ratio | 65.4925% | 4,871 |
| Assets per employee ($millions) | 3.6174% | 4,730 |
| Cash dividends to net income (ytd only)* | 8.3422% | 3,903 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5820% | 1,216 |
| Loan loss allowance to noncurrent loans | 46.6116% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 4.8144% | 1,123 |
| Noncurrent loans to loans | 5.5393% | 948 |
| Net loans and leases to total assets | 65.5567% | 2,864 |
| Net loans and leases to deposits | 74.6756% | 3,389 |
| Net loans and leases to core deposits | 83.4249% | 2,966 |
| Total domestic deposits to total assets | 87.7886% | 2,284 |
| Equity capital to assets | 11.8040% | 2,268 |
| Core capital (leverage) ratio | 11.6139% | 1,812 |
| Tier 1 risk-based capital ratio | 15.9536% | 3,075 |
| Total risk-based capital ratio | 17.2178% | 3,026 |
| Memoranda: |
| Average total assets | $859,224,800 | 757 |
| Average earning assets | $794,723,800 | 741 |
| Average equity | $101,923,600 | 673 |
| Average total loans | $588,754,200 | 714 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3463% | 1,692 |
| Cost of funding earning assets | 0.6496% | 6,035 |
| Net interest margin | 4.6967% | 770 |
| Noninterest income to average assets | 1.0384% | 1,252 |
| Noninterest expense to average assets | 3.4584% | 2,053 |
| Loan and lease loss provision to assets | 0.7829% | 1,198 |
| Net operating income to assets | 0.7605% | 3,339 |
| Return on assets (ROA) | 0.7605% | 3,498 |
| Pretax return on assets | 1.1350% | 2,874 |
| Return on Equity (ROE) | 6.4026% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.4026% | 2,294 |
| Net charge-offs to loans | 1.8634% | 704 |
| Credit loss provision to net charge-offs | 61.0277% | 4,779 |
| Earnings coverage of net charge-offs (x) | 1.4951% | 4,515 |
| Efficiency ratio | 64.3271% | 5,008 |
| Assets per employee ($millions) | 3.6147% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7689% | 1,061 |
| Loan loss allowance to noncurrent loans | 49.9768% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 5.1678% | 1,111 |
| Noncurrent loans to loans | 5.5404% | 1,067 |
| Net loans and leases to total assets | 64.5875% | 3,188 |
| Net loans and leases to deposits | 73.8365% | 3,678 |
| Net loans and leases to core deposits | 80.5180% | 3,562 |
| Total domestic deposits to total assets | 87.4738% | 2,366 |
| Equity capital to assets | 11.8819% | 2,349 |
| Core capital (leverage) ratio | 11.8230% | 1,814 |
| Tier 1 risk-based capital ratio | 16.1403% | 3,044 |
| Total risk-based capital ratio | 17.4066% | 2,999 |
| Memoranda: |
| Average total assets | $851,558,000 | 774 |
| Average earning assets | $786,488,000 | 755 |
| Average equity | $101,143,750 | 688 |
| Average total loans | $586,231,250 | 722 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2995% | 1,895 |
| Cost of funding earning assets | 0.6765% | 6,094 |
| Net interest margin | 4.6230% | 868 |
| Noninterest income to average assets | 0.9100% | 1,616 |
| Noninterest expense to average assets | 3.4042% | 2,246 |
| Loan and lease loss provision to assets | 0.7121% | 1,321 |
| Net operating income to assets | 0.7180% | 3,453 |
| Return on assets (ROA) | 0.7180% | 3,565 |
| Pretax return on assets | 1.0598% | 3,011 |
| Return on Equity (ROE) | 6.0458% | 3,946 |
| Retained earnings to average equity (ytd only) | 6.0458% | 2,400 |
| Net charge-offs to loans | 1.4974% | 993 |
| Credit loss provision to net charge-offs | 68.2439% | 4,103 |
| Earnings coverage of net charge-offs (x) | 1.6981% | 4,022 |
| Efficiency ratio | 65.7679% | 4,917 |
| Assets per employee ($millions) | 3.4466% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0490% | 856 |
| Loan loss allowance to noncurrent loans | 45.7506% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 6.4483% | 829 |
| Noncurrent loans to loans | 6.6644% | 814 |
| Net loans and leases to total assets | 67.8816% | 2,642 |
| Net loans and leases to deposits | 77.7761% | 3,158 |
| Net loans and leases to core deposits | 84.6606% | 3,118 |
| Total domestic deposits to total assets | 87.2782% | 2,584 |
| Equity capital to assets | 12.1476% | 1,999 |
| Core capital (leverage) ratio | 11.9256% | 1,642 |
| Tier 1 risk-based capital ratio | 15.5064% | 3,240 |
| Total risk-based capital ratio | 16.7756% | 3,171 |
| Memoranda: |
| Average total assets | $842,617,330 | 791 |
| Average earning assets | $777,551,000 | 776 |
| Average equity | $100,069,000 | 688 |
| Average total loans | $587,148,330 | 727 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1555% | 2,406 |
| Cost of funding earning assets | 0.6990% | 6,147 |
| Net interest margin | 4.4565% | 1,158 |
| Noninterest income to average assets | 0.9490% | 1,478 |
| Noninterest expense to average assets | 3.2320% | 2,769 |
| Loan and lease loss provision to assets | 0.8062% | 1,045 |
| Net operating income to assets | 0.6971% | 3,526 |
| Return on assets (ROA) | 0.6971% | 3,592 |
| Pretax return on assets | 1.0320% | 3,012 |
| Return on Equity (ROE) | 5.9379% | 3,942 |
| Retained earnings to average equity (ytd only) | 5.9379% | 2,677 |
| Net charge-offs to loans | 1.3262% | 1,042 |
| Credit loss provision to net charge-offs | 87.4486% | 2,984 |
| Earnings coverage of net charge-offs (x) | 1.9938% | 3,315 |
| Efficiency ratio | 63.7452% | 5,404 |
| Assets per employee ($millions) | 3.4311% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2897% | 716 |
| Loan loss allowance to noncurrent loans | 41.9052% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 7.2328% | 717 |
| Noncurrent loans to loans | 7.8503% | 647 |
| Net loans and leases to total assets | 66.5431% | 2,871 |
| Net loans and leases to deposits | 75.8523% | 3,441 |
| Net loans and leases to core deposits | 83.3360% | 3,255 |
| Total domestic deposits to total assets | 87.7271% | 2,539 |
| Equity capital to assets | 11.7930% | 2,050 |
| Core capital (leverage) ratio | 11.7645% | 1,696 |
| Tier 1 risk-based capital ratio | 15.5562% | 3,135 |
| Total risk-based capital ratio | 16.8283% | 3,077 |
| Memoranda: |
| Average total assets | $843,444,500 | 790 |
| Average earning assets | $779,977,000 | 778 |
| Average equity | $99,025,000 | 686 |
| Average total loans | $586,316,500 | 739 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5953% | 1,910 |
| Cost of funding earning assets | 0.8754% | 6,268 |
| Net interest margin | 4.7199% | 781 |
| Noninterest income to average assets | 1.0070% | 1,483 |
| Noninterest expense to average assets | 3.3703% | 2,527 |
| Loan and lease loss provision to assets | 1.3731% | 1,099 |
| Net operating income to assets | 0.4178% | 4,472 |
| Return on assets (ROA) | 0.4178% | 4,601 |
| Pretax return on assets | 0.6150% | 4,274 |
| Return on Equity (ROE) | 3.5390% | 4,730 |
| Retained earnings to average equity (ytd only) | 3.2570% | 3,587 |
| Net charge-offs to loans | 2.2636% | 853 |
| Credit loss provision to net charge-offs | 81.0559% | 5,525 |
| Earnings coverage of net charge-offs (x) | 1.1736% | 4,932 |
| Efficiency ratio | 62.8977% | 5,540 |
| Assets per employee ($millions) | 3.4123% | 5,143 |
| Cash dividends to net income (ytd only)* | 7.9697% | 3,813 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2691% | 691 |
| Loan loss allowance to noncurrent loans | 41.6179% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 7.0246% | 776 |
| Noncurrent loans to loans | 7.8550% | 668 |
| Net loans and leases to total assets | 67.9278% | 2,999 |
| Net loans and leases to deposits | 77.3235% | 3,618 |
| Net loans and leases to core deposits | 85.3761% | 3,418 |
| Total domestic deposits to total assets | 87.8488% | 2,340 |
| Equity capital to assets | 11.6880% | 2,136 |
| Core capital (leverage) ratio | 11.5265% | 1,819 |
| Tier 1 risk-based capital ratio | 14.8254% | 3,355 |
| Total risk-based capital ratio | 16.0967% | 3,301 |
| Memoranda: |
| Average total assets | $822,945,000 | 819 |
| Average earning assets | $758,707,600 | 804 |
| Average equity | $97,145,200 | 693 |
| Average total loans | $615,867,000 | 720 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7129% | 1,679 |
| Cost of funding earning assets | 0.9091% | 6,363 |
| Net interest margin | 4.8039% | 672 |
| Noninterest income to average assets | 1.0103% | 1,440 |
| Noninterest expense to average assets | 3.2548% | 2,725 |
| Loan and lease loss provision to assets | 1.4996% | 888 |
| Net operating income to assets | 0.4447% | 4,567 |
| Return on assets (ROA) | 0.4447% | 4,756 |
| Pretax return on assets | 0.6773% | 4,313 |
| Return on Equity (ROE) | 3.7573% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.7573% | 3,816 |
| Net charge-offs to loans | 2.5778% | 643 |
| Credit loss provision to net charge-offs | 76.5200% | 5,238 |
| Earnings coverage of net charge-offs (x) | 1.1108% | 4,947 |
| Efficiency ratio | 59.9226% | 5,971 |
| Assets per employee ($millions) | 3.4416% | 5,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1884% | 704 |
| Loan loss allowance to noncurrent loans | 54.2207% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 5.9922% | 993 |
| Noncurrent loans to loans | 5.8804% | 1,089 |
| Net loans and leases to total assets | 69.3040% | 2,899 |
| Net loans and leases to deposits | 79.0363% | 3,628 |
| Net loans and leases to core deposits | 86.7691% | 3,548 |
| Total domestic deposits to total assets | 87.6863% | 2,166 |
| Equity capital to assets | 11.7229% | 2,339 |
| Core capital (leverage) ratio | 11.8001% | 1,764 |
| Tier 1 risk-based capital ratio | 14.4199% | 3,559 |
| Total risk-based capital ratio | 15.6901% | 3,515 |
| Memoranda: |
| Average total assets | $817,969,250 | 830 |
| Average earning assets | $752,846,250 | 814 |
| Average equity | $96,803,500 | 693 |
| Average total loans | $621,864,500 | 714 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6981% | 1,773 |
| Cost of funding earning assets | 0.9324% | 6,455 |
| Net interest margin | 4.7657% | 701 |
| Noninterest income to average assets | 0.9804% | 1,440 |
| Noninterest expense to average assets | 3.1503% | 3,095 |
| Loan and lease loss provision to assets | 1.6652% | 769 |
| Net operating income to assets | 0.3757% | 4,870 |
| Return on assets (ROA) | 0.3757% | 5,033 |
| Pretax return on assets | 0.5590% | 4,703 |
| Return on Equity (ROE) | 3.1645% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.1645% | 4,098 |
| Net charge-offs to loans | 3.3736% | 441 |
| Credit loss provision to net charge-offs | 63.6432% | 5,122 |
| Earnings coverage of net charge-offs (x) | 0.8501% | 4,921 |
| Efficiency ratio | 58.6156% | 6,290 |
| Assets per employee ($millions) | 3.4156% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9483% | 866 |
| Loan loss allowance to noncurrent loans | 40.1906% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 6.8935% | 775 |
| Noncurrent loans to loans | 7.3358% | 738 |
| Net loans and leases to total assets | 73.1233% | 2,135 |
| Net loans and leases to deposits | 83.4758% | 2,980 |
| Net loans and leases to core deposits | 93.2150% | 2,820 |
| Total domestic deposits to total assets | 87.5982% | 2,207 |
| Equity capital to assets | 11.9079% | 2,152 |
| Core capital (leverage) ratio | 11.8541% | 1,729 |
| Tier 1 risk-based capital ratio | 13.9506% | 3,769 |
| Total risk-based capital ratio | 15.2183% | 3,711 |
| Memoranda: |
| Average total assets | $810,707,330 | 843 |
| Average earning assets | $747,512,670 | 825 |
| Average equity | $96,256,670 | 684 |
| Average total loans | $628,769,000 | 712 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5680% | 2,293 |
| Cost of funding earning assets | 0.9589% | 6,545 |
| Net interest margin | 4.6091% | 933 |
| Noninterest income to average assets | 0.9442% | 1,469 |
| Noninterest expense to average assets | 3.1885% | 2,916 |
| Loan and lease loss provision to assets | 1.5101% | 770 |
| Net operating income to assets | 0.3421% | 5,117 |
| Return on assets (ROA) | 0.3421% | 5,241 |
| Pretax return on assets | 0.4986% | 4,963 |
| Return on Equity (ROE) | 2.8857% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.8857% | 4,400 |
| Net charge-offs to loans | 3.2919% | 447 |
| Credit loss provision to net charge-offs | 58.3063% | 4,334 |
| Earnings coverage of net charge-offs (x) | 0.7756% | 4,345 |
| Efficiency ratio | 61.3509% | 5,937 |
| Assets per employee ($millions) | 3.4398% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1976% | 696 |
| Loan loss allowance to noncurrent loans | 33.6934% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 8.2767% | 588 |
| Noncurrent loans to loans | 9.4902% | 466 |
| Net loans and leases to total assets | 74.5045% | 1,858 |
| Net loans and leases to deposits | 85.0539% | 2,750 |
| Net loans and leases to core deposits | 95.3729% | 2,656 |
| Total domestic deposits to total assets | 87.5969% | 2,301 |
| Equity capital to assets | 11.9214% | 2,089 |
| Core capital (leverage) ratio | 11.8165% | 1,740 |
| Tier 1 risk-based capital ratio | 13.7667% | 3,819 |
| Total risk-based capital ratio | 15.0372% | 3,758 |
| Memoranda: |
| Average total assets | $807,895,000 | 861 |
| Average earning assets | $745,474,500 | 844 |
| Average equity | $95,781,000 | 690 |
| Average total loans | $635,622,000 | 718 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0690% | 1,602 |
| Cost of funding earning assets | 1.2007% | 6,657 |
| Net interest margin | 4.8683% | 602 |
| Noninterest income to average assets | 0.9810% | 1,636 |
| Noninterest expense to average assets | 3.0025% | 4,134 |
| Loan and lease loss provision to assets | 1.9774% | 1,098 |
| Net operating income to assets | 0.3655% | 4,269 |
| Return on assets (ROA) | 0.3655% | 4,366 |
| Pretax return on assets | 0.5216% | 4,128 |
| Return on Equity (ROE) | 3.3315% | 4,367 |
| Retained earnings to average equity (ytd only) | 3.0346% | 3,041 |
| Net charge-offs to loans | 1.7461% | 1,429 |
| Credit loss provision to net charge-offs | 135.8696% | 3,639 |
| Earnings coverage of net charge-offs (x) | 1.7171% | 4,451 |
| Efficiency ratio | 54.5764% | 7,167 |
| Assets per employee ($millions) | 3.4653% | 5,089 |
| Cash dividends to net income (ytd only)* | 8.9115% | 3,904 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3741% | 586 |
| Loan loss allowance to noncurrent loans | 36.8101% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 8.1247% | 544 |
| Noncurrent loans to loans | 9.1661% | 485 |
| Net loans and leases to total assets | 77.6626% | 1,453 |
| Net loans and leases to deposits | 88.6612% | 2,447 |
| Net loans and leases to core deposits | 105.2416% | 3,428 |
| Total domestic deposits to total assets | 87.5948% | 2,176 |
| Equity capital to assets | 11.7903% | 2,146 |
| Core capital (leverage) ratio | 11.4564% | 1,941 |
| Tier 1 risk-based capital ratio | 13.2675% | 3,975 |
| Total risk-based capital ratio | 14.5409% | 3,896 |
| Memoranda: |
| Average total assets | $859,722,800 | 790 |
| Average earning assets | $798,283,400 | 762 |
| Average equity | $94,312,800 | 690 |
| Average total loans | $716,587,200 | 646 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0816% | 1,715 |
| Cost of funding earning assets | 1.2277% | 6,810 |
| Net interest margin | 4.8540% | 616 |
| Noninterest income to average assets | 0.9874% | 1,652 |
| Noninterest expense to average assets | 2.9229% | 4,357 |
| Loan and lease loss provision to assets | 1.8808% | 973 |
| Net operating income to assets | 0.4734% | 4,105 |
| Return on assets (ROA) | 0.4734% | 4,205 |
| Pretax return on assets | 0.6962% | 3,869 |
| Return on Equity (ROE) | 4.3919% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.3919% | 2,818 |
| Net charge-offs to loans | 1.6579% | 1,225 |
| Credit loss provision to net charge-offs | 134.9868% | 3,678 |
| Earnings coverage of net charge-offs (x) | 1.8495% | 4,418 |
| Efficiency ratio | 53.1445% | 7,324 |
| Assets per employee ($millions) | 3.5635% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0177% | 658 |
| Loan loss allowance to noncurrent loans | 34.5265% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 8.1331% | 517 |
| Noncurrent loans to loans | 8.7402% | 524 |
| Net loans and leases to total assets | 79.7419% | 1,225 |
| Net loans and leases to deposits | 90.7025% | 2,446 |
| Net loans and leases to core deposits | 106.5212% | 3,643 |
| Total domestic deposits to total assets | 87.9159% | 1,698 |
| Equity capital to assets | 11.4769% | 2,602 |
| Core capital (leverage) ratio | 11.2151% | 2,252 |
| Tier 1 risk-based capital ratio | 12.6452% | 4,441 |
| Total risk-based capital ratio | 13.9145% | 4,372 |
| Memoranda: |
| Average total assets | $871,934,000 | 789 |
| Average earning assets | $810,618,500 | 766 |
| Average equity | $93,989,750 | 695 |
| Average total loans | $732,799,250 | 645 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0845% | 1,839 |
| Cost of funding earning assets | 1.2474% | 6,968 |
| Net interest margin | 4.8371% | 614 |
| Noninterest income to average assets | 0.9127% | 1,933 |
| Noninterest expense to average assets | 2.8493% | 4,745 |
| Loan and lease loss provision to assets | 1.8765% | 874 |
| Net operating income to assets | 0.4580% | 4,263 |
| Return on assets (ROA) | 0.4580% | 4,377 |
| Pretax return on assets | 0.6939% | 4,021 |
| Return on Equity (ROE) | 4.3374% | 4,364 |
| Retained earnings to average equity (ytd only) | 4.3374% | 2,882 |
| Net charge-offs to loans | 1.5682% | 1,206 |
| Credit loss provision to net charge-offs | 141.4210% | 3,294 |
| Earnings coverage of net charge-offs (x) | 1.9371% | 4,133 |
| Efficiency ratio | 52.5738% | 7,471 |
| Assets per employee ($millions) | 3.6795% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7152% | 738 |
| Loan loss allowance to noncurrent loans | 40.2776% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 6.6876% | 666 |
| Noncurrent loans to loans | 6.7413% | 758 |
| Net loans and leases to total assets | 82.2443% | 917 |
| Net loans and leases to deposits | 101.2245% | 1,154 |
| Net loans and leases to core deposits | 118.7985% | 2,476 |
| Total domestic deposits to total assets | 81.2495% | 4,977 |
| Equity capital to assets | 10.8825% | 3,035 |
| Core capital (leverage) ratio | 10.5948% | 2,732 |
| Tier 1 risk-based capital ratio | 11.7347% | 5,160 |
| Total risk-based capital ratio | 13.0007% | 5,068 |
| Memoranda: |
| Average total assets | $884,626,670 | 796 |
| Average earning assets | $824,259,670 | 773 |
| Average equity | $93,419,330 | 712 |
| Average total loans | $748,524,670 | 649 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9644% | 2,504 |
| Cost of funding earning assets | 1.2852% | 7,064 |
| Net interest margin | 4.6792% | 802 |
| Noninterest income to average assets | 0.8867% | 1,903 |
| Noninterest expense to average assets | 2.6722% | 5,138 |
| Loan and lease loss provision to assets | 1.9266% | 630 |
| Net operating income to assets | 0.4346% | 4,724 |
| Return on assets (ROA) | 0.4346% | 4,898 |
| Pretax return on assets | 0.6582% | 4,563 |
| Return on Equity (ROE) | 4.1775% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.1775% | 3,591 |
| Net charge-offs to loans | 1.6847% | 856 |
| Credit loss provision to net charge-offs | 135.0927% | 3,001 |
| Earnings coverage of net charge-offs (x) | 1.8124% | 3,822 |
| Efficiency ratio | 50.8310% | 7,524 |
| Assets per employee ($millions) | 3.5595% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4518% | 800 |
| Loan loss allowance to noncurrent loans | 30.6356% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 7.1758% | 463 |
| Noncurrent loans to loans | 8.0032% | 452 |
| Net loans and leases to total assets | 81.6164% | 1,078 |
| Net loans and leases to deposits | 100.6277% | 1,325 |
| Net loans and leases to core deposits | 119.2450% | 2,482 |
| Total domestic deposits to total assets | 81.1073% | 4,919 |
| Equity capital to assets | 10.2949% | 3,659 |
| Core capital (leverage) ratio | 10.3648% | 3,055 |
| Tier 1 risk-based capital ratio | 11.1371% | 5,771 |
| Total risk-based capital ratio | 12.3999% | 5,677 |
| Memoranda: |
| Average total assets | $892,758,000 | 788 |
| Average earning assets | $833,816,000 | 763 |
| Average equity | $92,879,000 | 714 |
| Average total loans | $755,730,500 | 650 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7767% | 1,762 |
| Cost of funding earning assets | 2.0380% | 6,287 |
| Net interest margin | 4.7387% | 889 |
| Noninterest income to average assets | 0.8286% | 2,361 |
| Noninterest expense to average assets | 2.8675% | 4,547 |
| Loan and lease loss provision to assets | 1.6230% | 802 |
| Net operating income to assets | 0.5263% | 4,626 |
| Return on assets (ROA) | 0.5263% | 4,484 |
| Pretax return on assets | 0.7650% | 4,195 |
| Return on Equity (ROE) | 5.0734% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.0734% | 1,982 |
| Net charge-offs to loans | 1.1048% | 1,104 |
| Credit loss provision to net charge-offs | 177.2918% | 2,854 |
| Earnings coverage of net charge-offs (x) | 2.6086% | 4,784 |
| Efficiency ratio | 54.5623% | 7,206 |
| Assets per employee ($millions) | 3.3763% | 5,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3273% | 823 |
| Loan loss allowance to noncurrent loans | 32.0926% | 6,585 |
| Noncurrent assets plus other real estate owned to assets | 6.4331% | 437 |
| Noncurrent loans to loans | 7.2519% | 403 |
| Net loans and leases to total assets | 83.6743% | 940 |
| Net loans and leases to deposits | 101.4146% | 1,657 |
| Net loans and leases to core deposits | 113.4747% | 3,397 |
| Total domestic deposits to total assets | 82.5072% | 3,989 |
| Equity capital to assets | 10.5161% | 3,483 |
| Core capital (leverage) ratio | 10.3081% | 3,168 |
| Tier 1 risk-based capital ratio | 11.1200% | 5,626 |
| Total risk-based capital ratio | 12.3814% | 5,493 |
| Memoranda: |
| Average total assets | $884,170,400 | 763 |
| Average earning assets | $826,007,800 | 733 |
| Average equity | $91,714,200 | 730 |
| Average total loans | $732,624,000 | 656 |
