| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3278% | 4,050 |
| Cost of funding earning assets | 1.0878% | 3,897 |
| Net interest margin | 3.2399% | 2,911 |
| Noninterest income to average assets | 0.4200% | 2,117 |
| Noninterest expense to average assets | 2.8476% | 1,418 |
| Loan and lease loss provision to assets | -0.0200% | 4,187 |
| Net operating income to assets | 0.5995% | 3,352 |
| Return on assets (ROA) | 0.5995% | 3,364 |
| Pretax return on assets | 0.5995% | 3,575 |
| Return on Equity (ROE) | 11.6000% | 1,853 |
| Retained earnings to average equity (ytd only) | 11.6018% | 858 |
| Net charge-offs to loans | 0.0042% | 2,119 |
| Credit loss provision to net charge-offs | -785.0000% | 4,441 |
| Earnings coverage of net charge-offs (x) | 212.5500% | 402 |
| Efficiency ratio | 83.1963% | 766 |
| Assets per employee ($millions) | 5.8276% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8443% | 3,753 |
| Loan loss allowance to noncurrent loans | 1,765.3378% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 3,358 |
| Noncurrent loans to loans | 0.0478% | 3,434 |
| Net loans and leases to total assets | 63.4900% | 2,551 |
| Net loans and leases to deposits | 73.7799% | 2,575 |
| Net loans and leases to core deposits | 78.5816% | 2,773 |
| Total domestic deposits to total assets | 86.0500% | 2,283 |
| Equity capital to assets | 5.3658% | 4,334 |
| Core capital (leverage) ratio | 8.7123% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8797% | 1,909 |
| Memoranda: |
| Average total assets | $2,956,434,500 | 430 |
| Average earning assets | $2,736,840,000 | 423 |
| Average equity | $152,769,000 | 734 |
| Average total loans | $1,898,027,000 | 468 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3582% | 4,019 |
| Cost of funding earning assets | 1.2802% | 3,703 |
| Net interest margin | 3.0781% | 2,993 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.6112% | 1,989 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.5809% | 3,281 |
| Return on assets (ROA) | 0.5809% | 3,301 |
| Pretax return on assets | 0.5809% | 3,504 |
| Return on Equity (ROE) | 11.7500% | 1,669 |
| Retained earnings to average equity (ytd only) | -11.3885% | 4,404 |
| Net charge-offs to loans | -0.0020% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 80.6277% | 1,003 |
| Assets per employee ($millions) | 5.7779% | 3,048 |
| Cash dividends to net income (ytd only)* | 196.9390% | 50 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8448% | 3,779 |
| Loan loss allowance to noncurrent loans | 1,231.3216% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,246 |
| Noncurrent loans to loans | 0.0686% | 3,300 |
| Net loans and leases to total assets | 63.8300% | 2,583 |
| Net loans and leases to deposits | 73.6389% | 2,679 |
| Net loans and leases to core deposits | 78.0963% | 2,905 |
| Total domestic deposits to total assets | 86.6700% | 1,981 |
| Equity capital to assets | 4.9699% | 4,354 |
| Core capital (leverage) ratio | 8.0708% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5337% | 2,037 |
| Memoranda: |
| Average total assets | $3,059,521,400 | 401 |
| Average earning assets | $2,834,489,200 | 385 |
| Average equity | $151,274,800 | 707 |
| Average total loans | $1,857,346,600 | 458 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3031% | 4,059 |
| Cost of funding earning assets | 1.3182% | 3,642 |
| Net interest margin | 2.9849% | 3,128 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.5635% | 2,050 |
| Loan and lease loss provision to assets | 0.0500% | 2,008 |
| Net operating income to assets | 0.5603% | 3,319 |
| Return on assets (ROA) | 0.5603% | 3,341 |
| Pretax return on assets | 0.5603% | 3,542 |
| Return on Equity (ROE) | 11.3500% | 1,799 |
| Retained earnings to average equity (ytd only) | 11.3466% | 597 |
| Net charge-offs to loans | 0.0069% | 2,414 |
| Credit loss provision to net charge-offs | 2,010.5263% | 236 |
| Earnings coverage of net charge-offs (x) | 147.4632% | 622 |
| Efficiency ratio | 80.8860% | 1,027 |
| Assets per employee ($millions) | 6.0197% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8047% | 3,901 |
| Loan loss allowance to noncurrent loans | 3,034.5850% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,348 |
| Noncurrent loans to loans | 0.0265% | 3,615 |
| Net loans and leases to total assets | 62.6400% | 2,668 |
| Net loans and leases to deposits | 74.5614% | 2,639 |
| Net loans and leases to core deposits | 78.6817% | 2,900 |
| Total domestic deposits to total assets | 84.0100% | 2,589 |
| Equity capital to assets | 5.6466% | 4,392 |
| Core capital (leverage) ratio | 8.9120% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6607% | 1,639 |
| Memoranda: |
| Average total assets | $3,083,379,750 | 392 |
| Average earning assets | $2,856,500,000 | 383 |
| Average equity | $152,265,250 | 702 |
| Average total loans | $1,844,688,500 | 456 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2184% | 4,121 |
| Cost of funding earning assets | 1.2982% | 3,625 |
| Net interest margin | 2.9202% | 3,216 |
| Noninterest income to average assets | 0.4100% | 2,325 |
| Noninterest expense to average assets | 2.5273% | 2,171 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.5546% | 3,297 |
| Return on assets (ROA) | 0.5546% | 3,330 |
| Pretax return on assets | 0.5546% | 3,531 |
| Return on Equity (ROE) | 11.7800% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.7789% | 572 |
| Net charge-offs to loans | 0.0071% | 2,155 |
| Credit loss provision to net charge-offs | 1,752.3077% | 261 |
| Earnings coverage of net charge-offs (x) | 139.9385% | 625 |
| Efficiency ratio | 81.1747% | 1,036 |
| Assets per employee ($millions) | 5.8936% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7789% | 3,978 |
| Loan loss allowance to noncurrent loans | 560.5677% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 2,815 |
| Noncurrent loans to loans | 0.1390% | 2,953 |
| Net loans and leases to total assets | 62.6700% | 2,688 |
| Net loans and leases to deposits | 76.6702% | 2,495 |
| Net loans and leases to core deposits | 80.7488% | 2,764 |
| Total domestic deposits to total assets | 81.7400% | 3,139 |
| Equity capital to assets | 5.3379% | 4,329 |
| Core capital (leverage) ratio | 8.7316% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2875% | 1,785 |
| Memoranda: |
| Average total assets | $3,103,884,667 | 392 |
| Average earning assets | $2,877,659,000 | 380 |
| Average equity | $146,142,667 | 721 |
| Average total loans | $1,823,525,333 | 460 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1533% | 4,123 |
| Cost of funding earning assets | 1.2468% | 3,648 |
| Net interest margin | 2.9065% | 3,181 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 2.4948% | 2,262 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 0.6067% | 3,133 |
| Return on assets (ROA) | 0.6067% | 3,161 |
| Pretax return on assets | 0.6067% | 3,382 |
| Return on Equity (ROE) | 13.7500% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.7462% | 532 |
| Net charge-offs to loans | 0.0078% | 1,810 |
| Credit loss provision to net charge-offs | 505.7143% | 507 |
| Earnings coverage of net charge-offs (x) | 135.2286% | 558 |
| Efficiency ratio | 80.6879% | 1,158 |
| Assets per employee ($millions) | 6.4521% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7671% | 4,009 |
| Loan loss allowance to noncurrent loans | 1,479.1351% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 3,219 |
| Noncurrent loans to loans | 0.0519% | 3,383 |
| Net loans and leases to total assets | 55.6400% | 3,224 |
| Net loans and leases to deposits | 69.8725% | 2,901 |
| Net loans and leases to core deposits | 73.1706% | 3,150 |
| Total domestic deposits to total assets | 79.6400% | 3,579 |
| Equity capital to assets | 4.6094% | 4,421 |
| Core capital (leverage) ratio | 8.4040% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3523% | 1,758 |
| Memoranda: |
| Average total assets | $3,170,637,500 | 388 |
| Average earning assets | $2,937,708,500 | 377 |
| Average equity | $139,936,500 | 758 |
| Average total loans | $1,797,203,000 | 470 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9065% | 4,076 |
| Cost of funding earning assets | 0.8284% | 3,666 |
| Net interest margin | 3.0781% | 3,140 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.3946% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8370% | 2,752 |
| Return on assets (ROA) | 0.7882% | 2,887 |
| Pretax return on assets | 0.7873% | 3,241 |
| Return on Equity (ROE) | 20.3700% | 581 |
| Retained earnings to average equity (ytd only) | -14.9015% | 4,497 |
| Net charge-offs to loans | 0.0014% | 2,786 |
| Credit loss provision to net charge-offs | -340.0000% | 4,524 |
| Earnings coverage of net charge-offs (x) | 1,062.4800% | 147 |
| Efficiency ratio | 74.0950% | 1,451 |
| Assets per employee ($millions) | 6.4629% | 2,443 |
| Cash dividends to net income (ytd only)* | 173.1377% | 77 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7478% | 4,057 |
| Loan loss allowance to noncurrent loans | 14,559.1398% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,363 |
| Noncurrent loans to loans | 0.0051% | 3,748 |
| Net loans and leases to total assets | 56.8700% | 3,132 |
| Net loans and leases to deposits | 69.2070% | 2,936 |
| Net loans and leases to core deposits | 72.1256% | 3,181 |
| Total domestic deposits to total assets | 82.1700% | 3,099 |
| Equity capital to assets | 4.2164% | 4,488 |
| Core capital (leverage) ratio | 8.1392% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6507% | 2,005 |
| Memoranda: |
| Average total assets | $3,172,762,800 | 378 |
| Average earning assets | $2,944,840,400 | 366 |
| Average equity | $122,746,000 | 806 |
| Average total loans | $1,741,652,400 | 455 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8136% | 4,098 |
| Cost of funding earning assets | 0.7291% | 3,697 |
| Net interest margin | 3.0845% | 3,165 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.3447% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9017% | 2,671 |
| Return on assets (ROA) | 0.8367% | 2,889 |
| Pretax return on assets | 0.8354% | 3,252 |
| Return on Equity (ROE) | 22.1200% | 552 |
| Retained earnings to average equity (ytd only) | -2.4087% | 4,340 |
| Net charge-offs to loans | 0.0032% | 2,405 |
| Credit loss provision to net charge-offs | -434.1463% | 4,568 |
| Earnings coverage of net charge-offs (x) | 521.2683% | 301 |
| Efficiency ratio | 72.3236% | 1,533 |
| Assets per employee ($millions) | 6.9549% | 1,986 |
| Cash dividends to net income (ytd only)* | 110.8881% | 164 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7562% | 4,058 |
| Loan loss allowance to noncurrent loans | 2,724.3408% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,293 |
| Noncurrent loans to loans | 0.0278% | 3,569 |
| Net loans and leases to total assets | 55.2200% | 3,271 |
| Net loans and leases to deposits | 66.3212% | 3,103 |
| Net loans and leases to core deposits | 68.7789% | 3,283 |
| Total domestic deposits to total assets | 83.2600% | 2,968 |
| Equity capital to assets | 4.3550% | 4,358 |
| Core capital (leverage) ratio | 8.5505% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6662% | 1,669 |
| Memoranda: |
| Average total assets | $3,175,858,000 | 383 |
| Average earning assets | $2,953,326,500 | 369 |
| Average equity | $120,119,250 | 817 |
| Average total loans | $1,724,377,250 | 460 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 105,847.0000% | 7 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 246,504.0000% | 10 |
| Cost of funding earning assets | -214.0000% | 4,662 |
| Net interest margin | 24.0000% | 6 |
| Noninterest income to average assets | 0.0043% | 4,584 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.8688% | 2,854 |
| Pretax return on assets | 0.8668% | 3,245 |
| Return on Equity (ROE) | 24.2000% | 413 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0008% | 2,411 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,003 |
| Efficiency ratio | 7.4254% | 4,606 |
| Assets per employee ($millions) | 0.0796% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0506% | 2,904 |
| Condition Ratios (%) |
| Loss allowance to loans | 15,575.0000% | 5 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 15.0000% | 8 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0003% | 4,543 |
| Total domestic deposits to total assets | 5,838.0000% | 11 |
| Equity capital to assets | 281,925.0000% | 4 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $37,550,000 | 4,454 |
| Average earning assets | $4,173 | 4,632 |
| Average equity | $10 | 4,596 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6284% | 4,123 |
| Cost of funding earning assets | 0.3719% | 4,029 |
| Net interest margin | 3.2564% | 2,974 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.4347% | 2,421 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9367% | 2,732 |
| Return on assets (ROA) | 0.8392% | 3,013 |
| Pretax return on assets | 0.8392% | 3,370 |
| Return on Equity (ROE) | 24.4500% | 432 |
| Retained earnings to average equity (ytd only) | -12.2790% | 4,516 |
| Net charge-offs to loans | -0.0080% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.4302% | 1,586 |
| Assets per employee ($millions) | 6.3730% | 2,434 |
| Cash dividends to net income (ytd only)* | 150.2178% | 235 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7871% | 4,110 |
| Loan loss allowance to noncurrent loans | 2,319.4828% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,156 |
| Noncurrent loans to loans | 0.0339% | 3,506 |
| Net loans and leases to total assets | 53.8600% | 3,211 |
| Net loans and leases to deposits | 61.4968% | 3,261 |
| Net loans and leases to core deposits | 62.7054% | 3,407 |
| Total domestic deposits to total assets | 87.5900% | 2,062 |
| Equity capital to assets | 3.6496% | 4,565 |
| Core capital (leverage) ratio | 8.5202% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5615% | 1,775 |
| Memoranda: |
| Average total assets | $3,173,148,500 | 382 |
| Average earning assets | $2,952,182,500 | 373 |
| Average equity | $108,901,000 | 890 |
| Average total loans | $1,705,330,000 | 455 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1818% | 3,848 |
| Cost of funding earning assets | 0.0859% | 4,452 |
| Net interest margin | 3.0959% | 3,185 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.2657% | 2,846 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 1.4847% | 917 |
| Return on assets (ROA) | 1.4847% | 882 |
| Pretax return on assets | 1.4881% | 1,491 |
| Return on Equity (ROE) | 31.7400% | 96 |
| Retained earnings to average equity (ytd only) | -0.6082% | 4,412 |
| Net charge-offs to loans | -0.0420% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.4591% | 2,845 |
| Assets per employee ($millions) | 6.5804% | 2,273 |
| Cash dividends to net income (ytd only)* | 101.9162% | 188 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0500% | 3,123 |
| Loan loss allowance to noncurrent loans | 4,854.6196% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,240 |
| Noncurrent loans to loans | 0.0216% | 3,649 |
| Net loans and leases to total assets | 52.6500% | 3,312 |
| Net loans and leases to deposits | 58.0669% | 3,453 |
| Net loans and leases to core deposits | 58.7885% | 3,565 |
| Total domestic deposits to total assets | 90.6600% | 1,078 |
| Equity capital to assets | 3.2177% | 4,592 |
| Core capital (leverage) ratio | 8.4854% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8871% | 1,664 |
| Memoranda: |
| Average total assets | $3,282,858,800 | 363 |
| Average earning assets | $3,060,218,600 | 351 |
| Average equity | $153,567,600 | 667 |
| Average total loans | $1,614,816,800 | 443 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0593% | 3,770 |
| Cost of funding earning assets | 0.0543% | 4,555 |
| Net interest margin | 3.0050% | 3,204 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 2.2524% | 2,780 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 1.5541% | 734 |
| Return on assets (ROA) | 1.5541% | 714 |
| Pretax return on assets | 1.5570% | 1,240 |
| Return on Equity (ROE) | 30.8900% | 96 |
| Retained earnings to average equity (ytd only) | -8.2316% | 4,658 |
| Net charge-offs to loans | -0.0177% | 3,948 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.2236% | 3,087 |
| Assets per employee ($millions) | 6.5036% | 2,315 |
| Cash dividends to net income (ytd only)* | 126.6481% | 117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0899% | 3,065 |
| Loan loss allowance to noncurrent loans | 2,862.0800% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 3,193 |
| Noncurrent loans to loans | 0.0381% | 3,617 |
| Net loans and leases to total assets | 51.5700% | 3,326 |
| Net loans and leases to deposits | 55.7496% | 3,503 |
| Net loans and leases to core deposits | 56.5078% | 3,599 |
| Total domestic deposits to total assets | 92.5100% | 716 |
| Equity capital to assets | 2.6083% | 4,617 |
| Core capital (leverage) ratio | 8.1921% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0347% | 1,703 |
| Memoranda: |
| Average total assets | $3,304,060,500 | 360 |
| Average earning assets | $3,082,661,000 | 349 |
| Average equity | $166,233,250 | 624 |
| Average total loans | $1,593,149,500 | 445 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9222% | 3,735 |
| Cost of funding earning assets | 0.0409% | 4,647 |
| Net interest margin | 2.8813% | 3,215 |
| Noninterest income to average assets | 1.1463% | 515 |
| Noninterest expense to average assets | 2.2063% | 2,834 |
| Loan and lease loss provision to assets | -0.1004% | 4,594 |
| Net operating income to assets | 1.7266% | 400 |
| Return on assets (ROA) | 1.7266% | 396 |
| Pretax return on assets | 1.7294% | 700 |
| Return on Equity (ROE) | 29.8275% | 60 |
| Retained earnings to average equity (ytd only) | -6.4876% | 4,580 |
| Net charge-offs to loans | -0.0213% | 3,902 |
| Credit loss provision to net charge-offs | 1,002.9762% | 403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5266% | 3,622 |
| Assets per employee ($millions) | 6.7983% | 2,073 |
| Cash dividends to net income (ytd only)* | 121.7505% | 227 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1299% | 3,038 |
| Loan loss allowance to noncurrent loans | 1,951.6376% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 3,194 |
| Noncurrent loans to loans | 0.0579% | 3,517 |
| Net loans and leases to total assets | 48.9597% | 3,469 |
| Net loans and leases to deposits | 53.8171% | 3,551 |
| Net loans and leases to core deposits | 54.5034% | 3,667 |
| Total domestic deposits to total assets | 90.9743% | 1,255 |
| Equity capital to assets | 3.9892% | 4,625 |
| Core capital (leverage) ratio | 8.2960% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4889% | 1,576 |
| Memoranda: |
| Average total assets | $3,356,164,333 | 352 |
| Average earning assets | $3,132,106,000 | 344 |
| Average equity | $194,277,000 | 549 |
| Average total loans | $1,577,116,667 | 442 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8933% | 3,554 |
| Cost of funding earning assets | 0.0390% | 4,665 |
| Net interest margin | 2.8543% | 2,978 |
| Noninterest income to average assets | 1.7988% | 279 |
| Noninterest expense to average assets | 2.1616% | 2,941 |
| Loan and lease loss provision to assets | -0.1309% | 4,626 |
| Net operating income to assets | 2.3411% | 139 |
| Return on assets (ROA) | 2.3411% | 137 |
| Pretax return on assets | 2.4335% | 196 |
| Return on Equity (ROE) | 35.3365% | 41 |
| Retained earnings to average equity (ytd only) | 30.9445% | 35 |
| Net charge-offs to loans | -0.0152% | 3,774 |
| Credit loss provision to net charge-offs | 1,875.0000% | 220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4213% | 4,384 |
| Assets per employee ($millions) | 6.7588% | 2,182 |
| Cash dividends to net income (ytd only)* | 12.4292% | 2,112 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1878% | 2,923 |
| Loan loss allowance to noncurrent loans | 940.4310% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 3,064 |
| Noncurrent loans to loans | 0.1263% | 3,188 |
| Net loans and leases to total assets | 46.0410% | 3,572 |
| Net loans and leases to deposits | 51.5554% | 3,602 |
| Net loans and leases to core deposits | 52.2557% | 3,709 |
| Total domestic deposits to total assets | 89.3038% | 1,923 |
| Equity capital to assets | 6.0688% | 4,569 |
| Core capital (leverage) ratio | 8.4199% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3318% | 1,181 |
| Memoranda: |
| Average total assets | $3,436,654,000 | 347 |
| Average earning assets | $3,209,196,000 | 342 |
| Average equity | $227,685,000 | 491 |
| Average total loans | $1,574,560,000 | 444 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0962% | 3,691 |
| Cost of funding earning assets | 0.0666% | 4,606 |
| Net interest margin | 3.0296% | 3,113 |
| Noninterest income to average assets | 0.4843% | 2,654 |
| Noninterest expense to average assets | 2.1717% | 3,171 |
| Loan and lease loss provision to assets | 0.0220% | 2,632 |
| Net operating income to assets | 1.1201% | 2,211 |
| Return on assets (ROA) | 1.1202% | 2,272 |
| Pretax return on assets | 1.1223% | 2,899 |
| Return on Equity (ROE) | 14.5681% | 1,052 |
| Retained earnings to average equity (ytd only) | 8.6072% | 1,313 |
| Net charge-offs to loans | -0.0071% | 3,637 |
| Credit loss provision to net charge-offs | -641.5254% | 3,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4927% | 2,340 |
| Assets per employee ($millions) | 7.1949% | 1,791 |
| Cash dividends to net income (ytd only)* | 40.9176% | 1,990 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2076% | 2,853 |
| Loan loss allowance to noncurrent loans | 937.3610% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 2,794 |
| Noncurrent loans to loans | 0.1288% | 3,286 |
| Net loans and leases to total assets | 44.5489% | 3,795 |
| Net loans and leases to deposits | 50.2659% | 3,861 |
| Net loans and leases to core deposits | 50.9350% | 3,972 |
| Total domestic deposits to total assets | 88.6265% | 1,716 |
| Equity capital to assets | 7.1426% | 4,691 |
| Core capital (leverage) ratio | 8.0126% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9734% | 1,521 |
| Memoranda: |
| Average total assets | $3,436,279,600 | 340 |
| Average earning assets | $3,211,797,400 | 330 |
| Average equity | $264,221,400 | 425 |
| Average total loans | $1,672,594,200 | 418 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1559% | 3,689 |
| Cost of funding earning assets | 0.0715% | 4,682 |
| Net interest margin | 3.0844% | 3,094 |
| Noninterest income to average assets | 0.4937% | 2,651 |
| Noninterest expense to average assets | 2.1553% | 3,208 |
| Loan and lease loss provision to assets | 0.0219% | 2,555 |
| Net operating income to assets | 1.1938% | 2,190 |
| Return on assets (ROA) | 1.1939% | 2,247 |
| Pretax return on assets | 1.1960% | 2,945 |
| Return on Equity (ROE) | 15.2433% | 1,103 |
| Retained earnings to average equity (ytd only) | 9.1188% | 1,655 |
| Net charge-offs to loans | -0.0257% | 4,072 |
| Credit loss provision to net charge-offs | -172.3077% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8950% | 2,400 |
| Assets per employee ($millions) | 7.1609% | 1,764 |
| Cash dividends to net income (ytd only)* | 40.1784% | 1,606 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1912% | 3,031 |
| Loan loss allowance to noncurrent loans | 622.9213% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,501 |
| Noncurrent loans to loans | 0.1912% | 3,182 |
| Net loans and leases to total assets | 46.2491% | 3,771 |
| Net loans and leases to deposits | 53.3622% | 3,787 |
| Net loans and leases to core deposits | 54.1134% | 3,910 |
| Total domestic deposits to total assets | 86.6702% | 2,476 |
| Equity capital to assets | 7.5855% | 4,683 |
| Core capital (leverage) ratio | 8.0339% | 4,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5611% | 1,462 |
| Memoranda: |
| Average total assets | $3,404,980,000 | 342 |
| Average earning assets | $3,178,790,750 | 334 |
| Average equity | $266,681,250 | 425 |
| Average total loans | $1,689,244,500 | 418 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1943% | 3,687 |
| Cost of funding earning assets | 0.0734% | 4,725 |
| Net interest margin | 3.1209% | 2,983 |
| Noninterest income to average assets | 0.4500% | 2,841 |
| Noninterest expense to average assets | 2.1077% | 3,359 |
| Loan and lease loss provision to assets | 0.0225% | 2,521 |
| Net operating income to assets | 1.2280% | 2,086 |
| Return on assets (ROA) | 1.2281% | 2,155 |
| Pretax return on assets | 1.2303% | 2,828 |
| Return on Equity (ROE) | 15.5132% | 1,050 |
| Retained earnings to average equity (ytd only) | 12.7103% | 775 |
| Net charge-offs to loans | -0.0268% | 4,111 |
| Credit loss provision to net charge-offs | -165.9389% | 3,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7217% | 2,626 |
| Assets per employee ($millions) | 7.0553% | 1,763 |
| Cash dividends to net income (ytd only)* | 18.0679% | 2,597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1569% | 3,157 |
| Loan loss allowance to noncurrent loans | 546.6705% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1598% | 3,192 |
| Noncurrent loans to loans | 0.2116% | 3,204 |
| Net loans and leases to total assets | 47.8564% | 3,737 |
| Net loans and leases to deposits | 55.4817% | 3,756 |
| Net loans and leases to core deposits | 56.2861% | 3,869 |
| Total domestic deposits to total assets | 86.2562% | 2,648 |
| Equity capital to assets | 7.8498% | 4,604 |
| Core capital (leverage) ratio | 8.0941% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7158% | 1,412 |
| Memoranda: |
| Average total assets | $3,379,908,667 | 341 |
| Average earning assets | $3,152,014,667 | 336 |
| Average equity | $267,578,333 | 424 |
| Average total loans | $1,709,338,667 | 413 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2675% | 3,528 |
| Cost of funding earning assets | 0.0775% | 4,759 |
| Net interest margin | 3.1901% | 2,735 |
| Noninterest income to average assets | 0.4543% | 2,817 |
| Noninterest expense to average assets | 2.1462% | 3,283 |
| Loan and lease loss provision to assets | 0.0703% | 1,754 |
| Net operating income to assets | 1.2098% | 2,108 |
| Return on assets (ROA) | 1.2097% | 2,193 |
| Pretax return on assets | 1.2118% | 2,817 |
| Return on Equity (ROE) | 15.2150% | 1,163 |
| Retained earnings to average equity (ytd only) | 15.2150% | 602 |
| Net charge-offs to loans | -0.0244% | 4,092 |
| Credit loss provision to net charge-offs | -557.5472% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5989% | 2,658 |
| Assets per employee ($millions) | 6.7879% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1041% | 3,411 |
| Loan loss allowance to noncurrent loans | 390.4104% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 3,353 |
| Noncurrent loans to loans | 0.2828% | 3,088 |
| Net loans and leases to total assets | 50.7135% | 3,561 |
| Net loans and leases to deposits | 58.7772% | 3,580 |
| Net loans and leases to core deposits | 59.6077% | 3,730 |
| Total domestic deposits to total assets | 86.2809% | 2,633 |
| Equity capital to assets | 7.5083% | 4,706 |
| Core capital (leverage) ratio | 8.0741% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7165% | 1,383 |
| Memoranda: |
| Average total assets | $3,362,469,000 | 342 |
| Average earning assets | $3,134,851,500 | 334 |
| Average equity | $267,341,000 | 420 |
| Average total loans | $1,737,346,000 | 408 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5833% | 3,845 |
| Cost of funding earning assets | 0.1413% | 4,754 |
| Net interest margin | 3.4421% | 2,643 |
| Noninterest income to average assets | 0.4067% | 3,058 |
| Noninterest expense to average assets | 2.3225% | 3,348 |
| Loan and lease loss provision to assets | 0.1759% | 2,188 |
| Net operating income to assets | 1.0848% | 1,972 |
| Return on assets (ROA) | 1.1792% | 1,730 |
| Pretax return on assets | 1.1817% | 2,396 |
| Return on Equity (ROE) | 14.1508% | 776 |
| Retained earnings to average equity (ytd only) | 11.8953% | 326 |
| Net charge-offs to loans | 0.1201% | 1,292 |
| Credit loss provision to net charge-offs | 255.2362% | 1,914 |
| Earnings coverage of net charge-offs (x) | 18.3337% | 2,028 |
| Efficiency ratio | 64.7707% | 2,709 |
| Assets per employee ($millions) | 6.5960% | 1,853 |
| Cash dividends to net income (ytd only)* | 15.9390% | 3,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0678% | 3,610 |
| Loan loss allowance to noncurrent loans | 366.0605% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 3,426 |
| Noncurrent loans to loans | 0.2917% | 3,150 |
| Net loans and leases to total assets | 51.5092% | 3,701 |
| Net loans and leases to deposits | 60.3344% | 3,730 |
| Net loans and leases to core deposits | 61.1851% | 3,875 |
| Total domestic deposits to total assets | 85.3729% | 2,624 |
| Equity capital to assets | 8.4015% | 4,516 |
| Core capital (leverage) ratio | 8.0086% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3567% | 1,429 |
| Memoranda: |
| Average total assets | $2,979,528,600 | 340 |
| Average earning assets | $2,751,869,200 | 339 |
| Average equity | $248,283,000 | 421 |
| Average total loans | $1,708,719,800 | 395 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6632% | 3,882 |
| Cost of funding earning assets | 0.1574% | 4,783 |
| Net interest margin | 3.5059% | 2,571 |
| Noninterest income to average assets | 0.4142% | 3,008 |
| Noninterest expense to average assets | 2.3604% | 3,254 |
| Loan and lease loss provision to assets | 0.1944% | 2,033 |
| Net operating income to assets | 1.0870% | 2,030 |
| Return on assets (ROA) | 1.2165% | 1,711 |
| Pretax return on assets | 1.2192% | 2,329 |
| Return on Equity (ROE) | 14.6331% | 758 |
| Retained earnings to average equity (ytd only) | 11.5271% | 494 |
| Net charge-offs to loans | 0.1829% | 819 |
| Credit loss provision to net charge-offs | 180.5567% | 2,181 |
| Earnings coverage of net charge-offs (x) | 11.9276% | 2,276 |
| Efficiency ratio | 64.7647% | 2,631 |
| Assets per employee ($millions) | 6.3761% | 1,930 |
| Cash dividends to net income (ytd only)* | 21.2258% | 2,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9554% | 3,864 |
| Loan loss allowance to noncurrent loans | 185.4849% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 2,924 |
| Noncurrent loans to loans | 0.5151% | 2,512 |
| Net loans and leases to total assets | 55.8599% | 3,637 |
| Net loans and leases to deposits | 65.7833% | 3,637 |
| Net loans and leases to core deposits | 66.7073% | 3,848 |
| Total domestic deposits to total assets | 84.9150% | 2,479 |
| Equity capital to assets | 8.1801% | 4,643 |
| Core capital (leverage) ratio | 7.8247% | 4,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6945% | 1,594 |
| Memoranda: |
| Average total assets | $2,891,659,500 | 340 |
| Average earning assets | $2,664,389,250 | 337 |
| Average equity | $240,390,000 | 427 |
| Average total loans | $1,702,326,250 | 394 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8130% | 3,828 |
| Cost of funding earning assets | 0.1752% | 4,820 |
| Net interest margin | 3.6378% | 2,352 |
| Noninterest income to average assets | 0.4184% | 2,980 |
| Noninterest expense to average assets | 2.4315% | 3,168 |
| Loan and lease loss provision to assets | 0.0755% | 3,348 |
| Net operating income to assets | 1.2483% | 1,498 |
| Return on assets (ROA) | 1.3362% | 1,359 |
| Pretax return on assets | 1.3394% | 1,910 |
| Return on Equity (ROE) | 15.9757% | 567 |
| Retained earnings to average equity (ytd only) | 15.9757% | 174 |
| Net charge-offs to loans | -0.0089% | 4,174 |
| Credit loss provision to net charge-offs | -1,424.3243% | 3,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6925% | 2,716 |
| Assets per employee ($millions) | 6.0957% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9074% | 3,972 |
| Loan loss allowance to noncurrent loans | 128.1732% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 2,542 |
| Noncurrent loans to loans | 0.7080% | 2,110 |
| Net loans and leases to total assets | 59.4509% | 3,378 |
| Net loans and leases to deposits | 70.8673% | 3,356 |
| Net loans and leases to core deposits | 72.0886% | 3,589 |
| Total domestic deposits to total assets | 83.8904% | 2,784 |
| Equity capital to assets | 8.2832% | 4,598 |
| Core capital (leverage) ratio | 7.7069% | 4,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8201% | 1,886 |
| Memoranda: |
| Average total assets | $2,790,734,333 | 348 |
| Average earning assets | $2,562,399,333 | 345 |
| Average equity | $233,417,333 | 438 |
| Average total loans | $1,669,228,333 | 397 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9464% | 3,944 |
| Cost of funding earning assets | 0.1999% | 4,891 |
| Net interest margin | 3.7465% | 2,160 |
| Noninterest income to average assets | 0.4444% | 2,820 |
| Noninterest expense to average assets | 2.6071% | 2,962 |
| Loan and lease loss provision to assets | -0.0099% | 5,041 |
| Net operating income to assets | 1.2701% | 1,327 |
| Return on assets (ROA) | 1.4531% | 947 |
| Pretax return on assets | 1.4580% | 1,418 |
| Return on Equity (ROE) | 17.2784% | 309 |
| Retained earnings to average equity (ytd only) | 17.2784% | 101 |
| Net charge-offs to loans | -0.0155% | 4,232 |
| Credit loss provision to net charge-offs | 106.4516% | 1,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3272% | 2,764 |
| Assets per employee ($millions) | 5.2680% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9600% | 3,889 |
| Loan loss allowance to noncurrent loans | 119.4979% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 2,509 |
| Noncurrent loans to loans | 0.8034% | 2,002 |
| Net loans and leases to total assets | 58.5151% | 3,634 |
| Net loans and leases to deposits | 70.2338% | 3,571 |
| Net loans and leases to core deposits | 71.4762% | 3,785 |
| Total domestic deposits to total assets | 83.3146% | 3,011 |
| Equity capital to assets | 8.7827% | 4,701 |
| Core capital (leverage) ratio | 8.3569% | 4,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8930% | 2,333 |
| Memoranda: |
| Average total assets | $2,674,360,500 | 348 |
| Average earning assets | $2,446,961,000 | 347 |
| Average equity | $224,905,500 | 453 |
| Average total loans | $1,596,869,000 | 401 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1664% | 3,892 |
| Cost of funding earning assets | 0.2988% | 4,732 |
| Net interest margin | 3.8676% | 2,279 |
| Noninterest income to average assets | 0.5404% | 2,530 |
| Noninterest expense to average assets | 2.6179% | 3,126 |
| Loan and lease loss provision to assets | -0.0555% | 5,025 |
| Net operating income to assets | 1.4877% | 1,084 |
| Return on assets (ROA) | 1.5018% | 1,112 |
| Pretax return on assets | 1.5034% | 1,800 |
| Return on Equity (ROE) | 18.4368% | 308 |
| Retained earnings to average equity (ytd only) | -2.4937% | 4,893 |
| Net charge-offs to loans | -0.0391% | 4,770 |
| Credit loss provision to net charge-offs | 230.3514% | 1,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6127% | 2,987 |
| Assets per employee ($millions) | 5.1284% | 2,420 |
| Cash dividends to net income (ytd only)* | 113.5257% | 204 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9600% | 3,699 |
| Loan loss allowance to noncurrent loans | 221.3688% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 3,375 |
| Noncurrent loans to loans | 0.4337% | 2,892 |
| Net loans and leases to total assets | 59.7723% | 3,606 |
| Net loans and leases to deposits | 70.1440% | 3,657 |
| Net loans and leases to core deposits | 71.2742% | 3,896 |
| Total domestic deposits to total assets | 85.2138% | 2,415 |
| Equity capital to assets | 8.0287% | 5,055 |
| Core capital (leverage) ratio | 8.0294% | 5,027 |
| Tier 1 risk-based capital ratio | 12.2503% | 4,214 |
| Total risk-based capital ratio | 13.1427% | 4,296 |
| Memoranda: |
| Average total assets | $2,598,374,200 | 347 |
| Average earning assets | $2,358,995,800 | 346 |
| Average equity | $211,653,200 | 457 |
| Average total loans | $1,600,774,800 | 385 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1893% | 3,941 |
| Cost of funding earning assets | 0.3203% | 4,750 |
| Net interest margin | 3.8689% | 2,368 |
| Noninterest income to average assets | 0.5469% | 2,475 |
| Noninterest expense to average assets | 2.6317% | 3,072 |
| Loan and lease loss provision to assets | -0.0469% | 5,119 |
| Net operating income to assets | 1.4651% | 1,291 |
| Return on assets (ROA) | 1.4807% | 1,304 |
| Pretax return on assets | 1.4823% | 2,014 |
| Return on Equity (ROE) | 18.1118% | 385 |
| Retained earnings to average equity (ytd only) | -2.2548% | 4,943 |
| Net charge-offs to loans | -0.0072% | 4,299 |
| Credit loss provision to net charge-offs | 1,045.9770% | 334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9562% | 2,872 |
| Assets per employee ($millions) | 5.0342% | 2,518 |
| Cash dividends to net income (ytd only)* | 112.4495% | 222 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9590% | 3,787 |
| Loan loss allowance to noncurrent loans | 447.9684% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 4,036 |
| Noncurrent loans to loans | 0.2141% | 3,770 |
| Net loans and leases to total assets | 60.6933% | 3,620 |
| Net loans and leases to deposits | 71.3451% | 3,654 |
| Net loans and leases to core deposits | 72.5413% | 3,912 |
| Total domestic deposits to total assets | 85.0700% | 2,402 |
| Equity capital to assets | 8.2727% | 5,075 |
| Core capital (leverage) ratio | 8.2724% | 5,042 |
| Tier 1 risk-based capital ratio | 12.4182% | 4,192 |
| Total risk-based capital ratio | 13.3167% | 4,279 |
| Memoranda: |
| Average total assets | $2,586,407,000 | 349 |
| Average earning assets | $2,342,810,500 | 349 |
| Average equity | $211,451,500 | 457 |
| Average total loans | $1,601,705,250 | 389 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2123% | 3,893 |
| Cost of funding earning assets | 0.3320% | 4,731 |
| Net interest margin | 3.8803% | 2,301 |
| Noninterest income to average assets | 0.5656% | 2,312 |
| Noninterest expense to average assets | 2.6413% | 3,083 |
| Loan and lease loss provision to assets | -0.0485% | 5,176 |
| Net operating income to assets | 1.4768% | 1,211 |
| Return on assets (ROA) | 1.5003% | 1,201 |
| Pretax return on assets | 1.5020% | 1,855 |
| Return on Equity (ROE) | 18.4253% | 360 |
| Retained earnings to average equity (ytd only) | 1.1894% | 4,380 |
| Net charge-offs to loans | -0.0059% | 4,170 |
| Credit loss provision to net charge-offs | 1,329.7872% | 275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8764% | 2,996 |
| Assets per employee ($millions) | 4.9139% | 2,587 |
| Cash dividends to net income (ytd only)* | 93.5449% | 545 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9700% | 3,782 |
| Loan loss allowance to noncurrent loans | 331.2061% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 3,404 |
| Noncurrent loans to loans | 0.2929% | 3,483 |
| Net loans and leases to total assets | 61.6182% | 3,585 |
| Net loans and leases to deposits | 73.0605% | 3,590 |
| Net loans and leases to core deposits | 74.7041% | 3,847 |
| Total domestic deposits to total assets | 84.3386% | 2,745 |
| Equity capital to assets | 8.4510% | 5,062 |
| Core capital (leverage) ratio | 8.4514% | 4,979 |
| Tier 1 risk-based capital ratio | 12.4296% | 4,170 |
| Total risk-based capital ratio | 13.3228% | 4,264 |
| Memoranda: |
| Average total assets | $2,579,309,000 | 349 |
| Average earning assets | $2,330,338,670 | 353 |
| Average equity | $210,026,330 | 458 |
| Average total loans | $1,602,932,330 | 391 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1349% | 4,045 |
| Cost of funding earning assets | 0.3313% | 4,738 |
| Net interest margin | 3.8036% | 2,510 |
| Noninterest income to average assets | 0.5974% | 2,057 |
| Noninterest expense to average assets | 2.6821% | 2,957 |
| Loan and lease loss provision to assets | -0.0057% | 5,199 |
| Net operating income to assets | 1.3541% | 1,515 |
| Return on assets (ROA) | 1.3720% | 1,489 |
| Pretax return on assets | 1.3735% | 2,176 |
| Return on Equity (ROE) | 17.1742% | 470 |
| Retained earnings to average equity (ytd only) | 9.4084% | 1,190 |
| Net charge-offs to loans | 0.0157% | 2,164 |
| Credit loss provision to net charge-offs | -58.7302% | 3,500 |
| Earnings coverage of net charge-offs (x) | 138.1587% | 540 |
| Efficiency ratio | 66.5192% | 2,867 |
| Assets per employee ($millions) | 5.0213% | 2,490 |
| Cash dividends to net income (ytd only)* | 45.2182% | 1,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0000% | 3,708 |
| Loan loss allowance to noncurrent loans | 252.5653% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 3,218 |
| Noncurrent loans to loans | 0.3959% | 3,173 |
| Net loans and leases to total assets | 61.3183% | 3,567 |
| Net loans and leases to deposits | 72.4881% | 3,570 |
| Net loans and leases to core deposits | 74.4986% | 3,770 |
| Total domestic deposits to total assets | 84.5909% | 2,822 |
| Equity capital to assets | 8.1975% | 5,127 |
| Core capital (leverage) ratio | 8.4599% | 5,033 |
| Tier 1 risk-based capital ratio | 12.5742% | 4,118 |
| Total risk-based capital ratio | 13.4903% | 4,198 |
| Memoranda: |
| Average total assets | $2,579,052,500 | 355 |
| Average earning assets | $2,328,855,000 | 356 |
| Average equity | $206,029,500 | 461 |
| Average total loans | $1,601,793,000 | 395 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9601% | 4,138 |
| Cost of funding earning assets | 0.2370% | 4,866 |
| Net interest margin | 3.7231% | 2,952 |
| Noninterest income to average assets | 0.5491% | 2,551 |
| Noninterest expense to average assets | 2.5202% | 3,556 |
| Loan and lease loss provision to assets | 0.0697% | 2,742 |
| Net operating income to assets | 1.3431% | 1,645 |
| Return on assets (ROA) | 1.3424% | 1,635 |
| Pretax return on assets | 1.3397% | 2,364 |
| Return on Equity (ROE) | 17.3328% | 460 |
| Retained earnings to average equity (ytd only) | -0.9298% | 5,082 |
| Net charge-offs to loans | 0.0146% | 3,192 |
| Credit loss provision to net charge-offs | 819.4570% | 442 |
| Earnings coverage of net charge-offs (x) | 165.7738% | 521 |
| Efficiency ratio | 64.1232% | 3,173 |
| Assets per employee ($millions) | 4.9751% | 2,537 |
| Cash dividends to net income (ytd only)* | 105.3643% | 208 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0100% | 3,619 |
| Loan loss allowance to noncurrent loans | 375.5349% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,464 |
| Noncurrent loans to loans | 0.2690% | 3,614 |
| Net loans and leases to total assets | 61.6505% | 3,601 |
| Net loans and leases to deposits | 72.2386% | 3,653 |
| Net loans and leases to core deposits | 73.9946% | 3,854 |
| Total domestic deposits to total assets | 85.3429% | 2,489 |
| Equity capital to assets | 7.7777% | 5,224 |
| Core capital (leverage) ratio | 8.3019% | 5,118 |
| Tier 1 risk-based capital ratio | 11.9331% | 4,473 |
| Total risk-based capital ratio | 12.8275% | 4,580 |
| Memoranda: |
| Average total assets | $2,598,223,000 | 350 |
| Average earning assets | $2,359,585,400 | 350 |
| Average equity | $201,231,600 | 443 |
| Average total loans | $1,511,463,400 | 401 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8881% | 4,240 |
| Cost of funding earning assets | 0.2134% | 4,971 |
| Net interest margin | 3.6747% | 3,104 |
| Noninterest income to average assets | 0.5485% | 2,575 |
| Noninterest expense to average assets | 2.5113% | 3,554 |
| Loan and lease loss provision to assets | 0.0519% | 2,945 |
| Net operating income to assets | 1.3320% | 1,733 |
| Return on assets (ROA) | 1.3311% | 1,748 |
| Pretax return on assets | 1.3270% | 2,518 |
| Return on Equity (ROE) | 17.2046% | 518 |
| Retained earnings to average equity (ytd only) | 2.0943% | 4,548 |
| Net charge-offs to loans | 0.0080% | 3,128 |
| Credit loss provision to net charge-offs | 1,140.4494% | 368 |
| Earnings coverage of net charge-offs (x) | 303.0431% | 309 |
| Efficiency ratio | 64.5388% | 3,095 |
| Assets per employee ($millions) | 5.0098% | 2,455 |
| Cash dividends to net income (ytd only)* | 87.8272% | 418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0098% | 3,694 |
| Loan loss allowance to noncurrent loans | 196.3729% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 3,442 |
| Noncurrent loans to loans | 0.5142% | 2,840 |
| Net loans and leases to total assets | 59.1791% | 3,935 |
| Net loans and leases to deposits | 67.6337% | 4,083 |
| Net loans and leases to core deposits | 69.2543% | 4,234 |
| Total domestic deposits to total assets | 87.4993% | 1,488 |
| Equity capital to assets | 7.6718% | 5,272 |
| Core capital (leverage) ratio | 8.4579% | 5,113 |
| Tier 1 risk-based capital ratio | 12.5886% | 4,163 |
| Total risk-based capital ratio | 13.4729% | 4,252 |
| Memoranda: |
| Average total assets | $2,605,996,000 | 350 |
| Average earning assets | $2,370,575,750 | 348 |
| Average equity | $201,623,500 | 443 |
| Average total loans | $1,489,630,250 | 402 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7891% | 4,373 |
| Cost of funding earning assets | 0.1929% | 5,060 |
| Net interest margin | 3.5962% | 3,323 |
| Noninterest income to average assets | 0.5382% | 2,648 |
| Noninterest expense to average assets | 2.4917% | 3,654 |
| Loan and lease loss provision to assets | 0.0573% | 2,767 |
| Net operating income to assets | 1.2696% | 1,899 |
| Return on assets (ROA) | 1.2700% | 1,899 |
| Pretax return on assets | 1.2632% | 2,658 |
| Return on Equity (ROE) | 16.3701% | 603 |
| Retained earnings to average equity (ytd only) | 0.7725% | 4,811 |
| Net charge-offs to loans | 0.0081% | 2,836 |
| Credit loss provision to net charge-offs | 1,250.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 288.1833% | 315 |
| Efficiency ratio | 65.3681% | 3,091 |
| Assets per employee ($millions) | 5.0972% | 2,294 |
| Cash dividends to net income (ytd only)* | 95.2810% | 445 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0100% | 3,770 |
| Loan loss allowance to noncurrent loans | 164.4699% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3651% | 3,278 |
| Noncurrent loans to loans | 0.6141% | 2,574 |
| Net loans and leases to total assets | 57.9421% | 3,992 |
| Net loans and leases to deposits | 66.9999% | 4,100 |
| Net loans and leases to core deposits | 68.7176% | 4,217 |
| Total domestic deposits to total assets | 86.4808% | 2,063 |
| Equity capital to assets | 7.6374% | 5,337 |
| Core capital (leverage) ratio | 8.2692% | 5,229 |
| Tier 1 risk-based capital ratio | 12.2062% | 4,368 |
| Total risk-based capital ratio | 13.0601% | 4,502 |
| Memoranda: |
| Average total assets | $2,619,650,670 | 349 |
| Average earning assets | $2,384,650,670 | 346 |
| Average equity | $203,236,330 | 442 |
| Average total loans | $1,475,025,000 | 402 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6673% | 4,552 |
| Cost of funding earning assets | 0.1607% | 5,221 |
| Net interest margin | 3.5066% | 3,510 |
| Noninterest income to average assets | 0.5228% | 2,670 |
| Noninterest expense to average assets | 2.4334% | 3,852 |
| Loan and lease loss provision to assets | 0.0468% | 2,833 |
| Net operating income to assets | 1.2340% | 1,875 |
| Return on assets (ROA) | 1.2338% | 1,885 |
| Pretax return on assets | 1.2355% | 2,617 |
| Return on Equity (ROE) | 15.7838% | 659 |
| Retained earnings to average equity (ytd only) | 10.6473% | 979 |
| Net charge-offs to loans | -0.0058% | 4,055 |
| Credit loss provision to net charge-offs | -1,471.4286% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4869% | 3,250 |
| Assets per employee ($millions) | 5.3042% | 2,136 |
| Cash dividends to net income (ytd only)* | 32.5433% | 2,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0100% | 3,891 |
| Loan loss allowance to noncurrent loans | 170.4212% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,516 |
| Noncurrent loans to loans | 0.5927% | 2,761 |
| Net loans and leases to total assets | 55.0177% | 4,210 |
| Net loans and leases to deposits | 64.3538% | 4,194 |
| Net loans and leases to core deposits | 66.0675% | 4,301 |
| Total domestic deposits to total assets | 85.4927% | 2,757 |
| Equity capital to assets | 7.6863% | 5,370 |
| Core capital (leverage) ratio | 8.4802% | 5,153 |
| Tier 1 risk-based capital ratio | 12.7398% | 4,096 |
| Total risk-based capital ratio | 13.5913% | 4,240 |
| Memoranda: |
| Average total assets | $2,639,882,000 | 350 |
| Average earning assets | $2,403,953,500 | 347 |
| Average equity | $206,363,000 | 442 |
| Average total loans | $1,457,696,000 | 407 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5964% | 4,580 |
| Cost of funding earning assets | 0.1549% | 5,233 |
| Net interest margin | 3.4415% | 3,716 |
| Noninterest income to average assets | 0.5856% | 2,517 |
| Noninterest expense to average assets | 2.3939% | 4,094 |
| Loan and lease loss provision to assets | -0.0322% | 5,360 |
| Net operating income to assets | 1.3709% | 1,072 |
| Return on assets (ROA) | 1.4038% | 1,025 |
| Pretax return on assets | 1.4072% | 1,963 |
| Return on Equity (ROE) | 17.8004% | 324 |
| Retained earnings to average equity (ytd only) | 8.1361% | 718 |
| Net charge-offs to loans | -0.0682% | 5,266 |
| Credit loss provision to net charge-offs | 86.8666% | 2,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0751% | 3,591 |
| Assets per employee ($millions) | 5.2764% | 2,175 |
| Cash dividends to net income (ytd only)* | 54.2930% | 2,052 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0100% | 3,876 |
| Loan loss allowance to noncurrent loans | 142.7115% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 3,308 |
| Noncurrent loans to loans | 0.7077% | 2,436 |
| Net loans and leases to total assets | 54.3000% | 4,338 |
| Net loans and leases to deposits | 63.8890% | 4,324 |
| Net loans and leases to core deposits | 65.4162% | 4,450 |
| Total domestic deposits to total assets | 84.9911% | 2,839 |
| Equity capital to assets | 7.9491% | 5,412 |
| Core capital (leverage) ratio | 8.3545% | 5,251 |
| Tier 1 risk-based capital ratio | 12.8336% | 4,014 |
| Total risk-based capital ratio | 13.6935% | 4,141 |
| Memoranda: |
| Average total assets | $2,611,007,000 | 335 |
| Average earning assets | $2,390,174,400 | 336 |
| Average equity | $205,910,600 | 430 |
| Average total loans | $1,418,258,600 | 405 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5343% | 4,732 |
| Cost of funding earning assets | 0.1531% | 5,299 |
| Net interest margin | 3.3812% | 3,915 |
| Noninterest income to average assets | 0.6077% | 2,436 |
| Noninterest expense to average assets | 2.3680% | 4,097 |
| Loan and lease loss provision to assets | -0.0323% | 5,497 |
| Net operating income to assets | 1.3703% | 1,155 |
| Return on assets (ROA) | 1.4139% | 1,087 |
| Pretax return on assets | 1.4174% | 2,072 |
| Return on Equity (ROE) | 17.9646% | 334 |
| Retained earnings to average equity (ytd only) | 10.8487% | 434 |
| Net charge-offs to loans | -0.0351% | 5,048 |
| Credit loss provision to net charge-offs | 169.8925% | 1,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8373% | 3,579 |
| Assets per employee ($millions) | 5.2087% | 2,221 |
| Cash dividends to net income (ytd only)* | 39.6108% | 2,303 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0100% | 3,997 |
| Loan loss allowance to noncurrent loans | 185.9223% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 3,820 |
| Noncurrent loans to loans | 0.5432% | 3,075 |
| Net loans and leases to total assets | 54.0867% | 4,408 |
| Net loans and leases to deposits | 65.7917% | 4,268 |
| Net loans and leases to core deposits | 67.4285% | 4,390 |
| Total domestic deposits to total assets | 82.2090% | 3,710 |
| Equity capital to assets | 8.3480% | 5,372 |
| Core capital (leverage) ratio | 8.5849% | 5,181 |
| Tier 1 risk-based capital ratio | 13.0514% | 3,974 |
| Total risk-based capital ratio | 13.9028% | 4,124 |
| Memoranda: |
| Average total assets | $2,606,844,000 | 339 |
| Average earning assets | $2,391,313,500 | 336 |
| Average equity | $205,169,250 | 433 |
| Average total loans | $1,412,479,250 | 409 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4811% | 4,810 |
| Cost of funding earning assets | 0.1541% | 5,317 |
| Net interest margin | 3.3271% | 4,024 |
| Noninterest income to average assets | 0.5397% | 2,766 |
| Noninterest expense to average assets | 2.3447% | 4,230 |
| Loan and lease loss provision to assets | -0.0515% | 5,606 |
| Net operating income to assets | 1.2996% | 1,301 |
| Return on assets (ROA) | 1.3527% | 1,196 |
| Pretax return on assets | 1.3561% | 2,182 |
| Return on Equity (ROE) | 17.5347% | 367 |
| Retained earnings to average equity (ytd only) | 13.9226% | 184 |
| Net charge-offs to loans | -0.0513% | 5,183 |
| Credit loss provision to net charge-offs | 185.9504% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1998% | 3,472 |
| Assets per employee ($millions) | 5.2622% | 2,094 |
| Cash dividends to net income (ytd only)* | 20.5994% | 3,091 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0100% | 4,082 |
| Loan loss allowance to noncurrent loans | 706.6567% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 4,813 |
| Noncurrent loans to loans | 0.1429% | 4,551 |
| Net loans and leases to total assets | 54.8992% | 4,322 |
| Net loans and leases to deposits | 64.6843% | 4,324 |
| Net loans and leases to core deposits | 66.3908% | 4,443 |
| Total domestic deposits to total assets | 84.8725% | 2,857 |
| Equity capital to assets | 8.3880% | 5,358 |
| Core capital (leverage) ratio | 8.4213% | 5,270 |
| Tier 1 risk-based capital ratio | 12.9552% | 4,028 |
| Total risk-based capital ratio | 13.8075% | 4,170 |
| Memoranda: |
| Average total assets | $2,619,823,670 | 339 |
| Average earning assets | $2,406,688,670 | 338 |
| Average equity | $202,102,670 | 436 |
| Average total loans | $1,415,616,670 | 410 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3946% | 4,933 |
| Cost of funding earning assets | 0.1487% | 5,385 |
| Net interest margin | 3.2460% | 4,203 |
| Noninterest income to average assets | 0.4996% | 2,982 |
| Noninterest expense to average assets | 2.3455% | 4,273 |
| Loan and lease loss provision to assets | -0.0538% | 5,717 |
| Net operating income to assets | 1.1982% | 1,505 |
| Return on assets (ROA) | 1.2049% | 1,530 |
| Pretax return on assets | 1.2082% | 2,559 |
| Return on Equity (ROE) | 16.2904% | 491 |
| Retained earnings to average equity (ytd only) | 16.2904% | 190 |
| Net charge-offs to loans | -0.0882% | 5,408 |
| Credit loss provision to net charge-offs | 114.3312% | 1,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1457% | 3,321 |
| Assets per employee ($millions) | 5.5573% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0100% | 4,219 |
| Loan loss allowance to noncurrent loans | 666.6358% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 4,878 |
| Noncurrent loans to loans | 0.1515% | 4,583 |
| Net loans and leases to total assets | 52.6362% | 4,458 |
| Net loans and leases to deposits | 63.1331% | 4,360 |
| Net loans and leases to core deposits | 64.9512% | 4,491 |
| Total domestic deposits to total assets | 83.3733% | 3,710 |
| Equity capital to assets | 7.5492% | 5,669 |
| Core capital (leverage) ratio | 7.8979% | 5,596 |
| Tier 1 risk-based capital ratio | 12.3687% | 4,469 |
| Total risk-based capital ratio | 13.2215% | 4,638 |
| Memoranda: |
| Average total assets | $2,669,444,000 | 338 |
| Average earning assets | $2,461,881,000 | 332 |
| Average equity | $197,441,000 | 444 |
| Average total loans | $1,424,475,500 | 408 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4394% | 4,903 |
| Cost of funding earning assets | 0.1502% | 5,424 |
| Net interest margin | 3.2892% | 4,174 |
| Noninterest income to average assets | 0.5415% | 2,969 |
| Noninterest expense to average assets | 2.4506% | 4,162 |
| Loan and lease loss provision to assets | 0.0401% | 3,580 |
| Net operating income to assets | 1.0789% | 1,992 |
| Return on assets (ROA) | 1.1393% | 1,830 |
| Pretax return on assets | 1.1417% | 2,930 |
| Return on Equity (ROE) | 14.0392% | 766 |
| Retained earnings to average equity (ytd only) | -1.5631% | 5,497 |
| Net charge-offs to loans | -0.0396% | 5,333 |
| Credit loss provision to net charge-offs | -189.5911% | 4,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6060% | 3,149 |
| Assets per employee ($millions) | 5.3742% | 1,984 |
| Cash dividends to net income (ytd only)* | 111.1341% | 269 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0130% | 4,235 |
| Loan loss allowance to noncurrent loans | 532.5092% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,896 |
| Noncurrent loans to loans | 0.1902% | 4,482 |
| Net loans and leases to total assets | 53.0101% | 4,524 |
| Net loans and leases to deposits | 62.1288% | 4,533 |
| Net loans and leases to core deposits | 63.7630% | 4,649 |
| Total domestic deposits to total assets | 85.3229% | 2,914 |
| Equity capital to assets | 7.2424% | 5,768 |
| Core capital (leverage) ratio | 7.5836% | 5,734 |
| Tier 1 risk-based capital ratio | 12.0697% | 4,682 |
| Total risk-based capital ratio | 12.9379% | 4,837 |
| Memoranda: |
| Average total assets | $2,543,118,000 | 340 |
| Average earning assets | $2,343,055,600 | 334 |
| Average equity | $206,379,000 | 420 |
| Average total loans | $1,356,959,600 | 403 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4236% | 4,977 |
| Cost of funding earning assets | 0.1489% | 5,490 |
| Net interest margin | 3.2746% | 4,270 |
| Noninterest income to average assets | 0.5642% | 2,852 |
| Noninterest expense to average assets | 2.4247% | 4,211 |
| Loan and lease loss provision to assets | 0.0541% | 3,181 |
| Net operating income to assets | 1.0999% | 1,993 |
| Return on assets (ROA) | 1.1810% | 1,807 |
| Pretax return on assets | 1.1834% | 2,903 |
| Return on Equity (ROE) | 14.1504% | 791 |
| Retained earnings to average equity (ytd only) | -4.4058% | 5,713 |
| Net charge-offs to loans | -0.0470% | 5,349 |
| Credit loss provision to net charge-offs | -216.1017% | 4,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7079% | 3,278 |
| Assets per employee ($millions) | 5.2553% | 2,091 |
| Cash dividends to net income (ytd only)* | 131.1358% | 175 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0100% | 4,344 |
| Loan loss allowance to noncurrent loans | 532.6288% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 4,929 |
| Noncurrent loans to loans | 0.1896% | 4,587 |
| Net loans and leases to total assets | 54.4519% | 4,453 |
| Net loans and leases to deposits | 64.2691% | 4,465 |
| Net loans and leases to core deposits | 65.9942% | 4,607 |
| Total domestic deposits to total assets | 84.7248% | 2,927 |
| Equity capital to assets | 8.0108% | 5,733 |
| Core capital (leverage) ratio | 7.6200% | 5,807 |
| Tier 1 risk-based capital ratio | 12.1113% | 4,718 |
| Total risk-based capital ratio | 13.0016% | 4,846 |
| Memoranda: |
| Average total assets | $2,513,836,000 | 342 |
| Average earning assets | $2,315,966,750 | 336 |
| Average equity | $209,807,500 | 417 |
| Average total loans | $1,340,042,000 | 407 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4024% | 5,076 |
| Cost of funding earning assets | 0.1473% | 5,565 |
| Net interest margin | 3.2551% | 4,362 |
| Noninterest income to average assets | 0.5834% | 2,705 |
| Noninterest expense to average assets | 2.4623% | 4,144 |
| Loan and lease loss provision to assets | 0.0610% | 2,913 |
| Net operating income to assets | 1.0546% | 2,149 |
| Return on assets (ROA) | 1.1519% | 1,888 |
| Pretax return on assets | 1.1543% | 2,969 |
| Return on Equity (ROE) | 13.6127% | 903 |
| Retained earnings to average equity (ytd only) | 1.4627% | 4,794 |
| Net charge-offs to loans | -0.0597% | 5,438 |
| Credit loss provision to net charge-offs | -193.8776% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7733% | 3,199 |
| Assets per employee ($millions) | 5.0104% | 2,285 |
| Cash dividends to net income (ytd only)* | 89.2546% | 703 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0100% | 4,460 |
| Loan loss allowance to noncurrent loans | 483.7875% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 4,676 |
| Noncurrent loans to loans | 0.2088% | 4,606 |
| Net loans and leases to total assets | 54.5406% | 4,457 |
| Net loans and leases to deposits | 65.0358% | 4,413 |
| Net loans and leases to core deposits | 67.1718% | 4,534 |
| Total domestic deposits to total assets | 83.8625% | 3,329 |
| Equity capital to assets | 8.7074% | 5,477 |
| Core capital (leverage) ratio | 8.1563% | 5,626 |
| Tier 1 risk-based capital ratio | 12.4685% | 4,548 |
| Total risk-based capital ratio | 13.3261% | 4,700 |
| Memoranda: |
| Average total assets | $2,489,915,330 | 341 |
| Average earning assets | $2,292,432,330 | 338 |
| Average equity | $210,701,000 | 414 |
| Average total loans | $1,312,632,000 | 410 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3634% | 5,197 |
| Cost of funding earning assets | 0.1438% | 5,648 |
| Net interest margin | 3.2196% | 4,513 |
| Noninterest income to average assets | 0.4988% | 3,123 |
| Noninterest expense to average assets | 2.4251% | 4,298 |
| Loan and lease loss provision to assets | 0.0498% | 2,927 |
| Net operating income to assets | 0.9826% | 2,358 |
| Return on assets (ROA) | 0.9824% | 2,475 |
| Pretax return on assets | 0.9848% | 3,534 |
| Return on Equity (ROE) | 11.7832% | 1,375 |
| Retained earnings to average equity (ytd only) | -1.7874% | 5,366 |
| Net charge-offs to loans | -0.0813% | 5,556 |
| Credit loss provision to net charge-offs | -118.9189% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0925% | 3,108 |
| Assets per employee ($millions) | 5.0715% | 2,265 |
| Cash dividends to net income (ytd only)* | 115.1695% | 568 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0318% | 4,438 |
| Loan loss allowance to noncurrent loans | 427.8892% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 4,384 |
| Noncurrent loans to loans | 0.2411% | 4,567 |
| Net loans and leases to total assets | 51.8773% | 4,638 |
| Net loans and leases to deposits | 61.5899% | 4,607 |
| Net loans and leases to core deposits | 63.6675% | 4,713 |
| Total domestic deposits to total assets | 84.2303% | 3,438 |
| Equity capital to assets | 8.5661% | 5,523 |
| Core capital (leverage) ratio | 8.2239% | 5,634 |
| Tier 1 risk-based capital ratio | 12.9396% | 4,302 |
| Total risk-based capital ratio | 13.8029% | 4,456 |
| Memoranda: |
| Average total assets | $2,474,759,000 | 340 |
| Average earning assets | $2,276,054,500 | 339 |
| Average equity | $206,328,500 | 417 |
| Average total loans | $1,274,662,000 | 415 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3153% | 5,320 |
| Cost of funding earning assets | 0.1486% | 5,692 |
| Net interest margin | 3.1667% | 4,727 |
| Noninterest income to average assets | 0.5258% | 3,163 |
| Noninterest expense to average assets | 2.3726% | 4,582 |
| Loan and lease loss provision to assets | 0.0326% | 3,714 |
| Net operating income to assets | 1.0240% | 2,242 |
| Return on assets (ROA) | 1.0984% | 2,005 |
| Pretax return on assets | 1.1006% | 3,060 |
| Return on Equity (ROE) | 12.9825% | 1,063 |
| Retained earnings to average equity (ytd only) | 2.2103% | 4,462 |
| Net charge-offs to loans | 0.0522% | 3,152 |
| Credit loss provision to net charge-offs | 128.9431% | 2,028 |
| Earnings coverage of net charge-offs (x) | 41.8455% | 1,134 |
| Efficiency ratio | 69.1427% | 3,375 |
| Assets per employee ($millions) | 4.9289% | 2,442 |
| Cash dividends to net income (ytd only)* | 82.9750% | 795 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0326% | 4,426 |
| Loan loss allowance to noncurrent loans | 365.0879% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 4,379 |
| Noncurrent loans to loans | 0.2828% | 4,450 |
| Net loans and leases to total assets | 50.0649% | 4,865 |
| Net loans and leases to deposits | 59.4679% | 4,807 |
| Net loans and leases to core deposits | 61.2146% | 4,916 |
| Total domestic deposits to total assets | 84.1881% | 3,406 |
| Equity capital to assets | 8.1066% | 5,809 |
| Core capital (leverage) ratio | 8.1317% | 5,756 |
| Tier 1 risk-based capital ratio | 13.1197% | 4,226 |
| Total risk-based capital ratio | 13.9543% | 4,409 |
| Memoranda: |
| Average total assets | $2,430,506,200 | 329 |
| Average earning assets | $2,230,114,200 | 323 |
| Average equity | $205,630,200 | 406 |
| Average total loans | $1,178,545,000 | 422 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2856% | 5,431 |
| Cost of funding earning assets | 0.1489% | 5,788 |
| Net interest margin | 3.1367% | 4,859 |
| Noninterest income to average assets | 0.5427% | 3,094 |
| Noninterest expense to average assets | 2.3563% | 4,636 |
| Loan and lease loss provision to assets | 0.0437% | 3,345 |
| Net operating income to assets | 1.0193% | 2,380 |
| Return on assets (ROA) | 1.1183% | 2,003 |
| Pretax return on assets | 1.1206% | 3,134 |
| Return on Equity (ROE) | 13.0792% | 1,104 |
| Retained earnings to average equity (ytd only) | 2.7453% | 4,468 |
| Net charge-offs to loans | 0.0496% | 2,907 |
| Credit loss provision to net charge-offs | 183.5648% | 1,446 |
| Earnings coverage of net charge-offs (x) | 44.7913% | 1,136 |
| Efficiency ratio | 68.8672% | 3,398 |
| Assets per employee ($millions) | 5.0273% | 2,270 |
| Cash dividends to net income (ytd only)* | 79.0106% | 763 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0715% | 4,379 |
| Loan loss allowance to noncurrent loans | 321.2598% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 4,520 |
| Noncurrent loans to loans | 0.3335% | 4,415 |
| Net loans and leases to total assets | 48.9357% | 5,020 |
| Net loans and leases to deposits | 58.3210% | 4,975 |
| Net loans and leases to core deposits | 59.9835% | 5,066 |
| Total domestic deposits to total assets | 83.9076% | 3,468 |
| Equity capital to assets | 8.6243% | 5,627 |
| Core capital (leverage) ratio | 8.2690% | 5,733 |
| Tier 1 risk-based capital ratio | 13.0871% | 4,383 |
| Total risk-based capital ratio | 13.9325% | 4,530 |
| Memoranda: |
| Average total assets | $2,422,015,000 | 334 |
| Average earning assets | $2,222,835,000 | 327 |
| Average equity | $207,091,500 | 408 |
| Average total loans | $1,161,504,250 | 430 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2594% | 5,514 |
| Cost of funding earning assets | 0.1508% | 5,840 |
| Net interest margin | 3.1087% | 4,950 |
| Noninterest income to average assets | 0.5501% | 3,041 |
| Noninterest expense to average assets | 2.3813% | 4,613 |
| Loan and lease loss provision to assets | 0.0659% | 2,798 |
| Net operating income to assets | 0.9500% | 2,633 |
| Return on assets (ROA) | 1.0996% | 2,048 |
| Pretax return on assets | 1.1018% | 3,167 |
| Return on Equity (ROE) | 12.8978% | 1,137 |
| Retained earnings to average equity (ytd only) | 2.9117% | 4,186 |
| Net charge-offs to loans | 0.0772% | 2,284 |
| Credit loss provision to net charge-offs | 179.8186% | 1,348 |
| Earnings coverage of net charge-offs (x) | 27.7982% | 1,442 |
| Efficiency ratio | 70.0511% | 3,315 |
| Assets per employee ($millions) | 4.9271% | 2,364 |
| Cash dividends to net income (ytd only)* | 77.4245% | 985 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0993% | 4,326 |
| Loan loss allowance to noncurrent loans | 418.4413% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 4,969 |
| Noncurrent loans to loans | 0.2627% | 4,732 |
| Net loans and leases to total assets | 48.6182% | 5,044 |
| Net loans and leases to deposits | 57.7060% | 5,013 |
| Net loans and leases to core deposits | 59.4479% | 5,107 |
| Total domestic deposits to total assets | 84.2516% | 3,467 |
| Equity capital to assets | 8.4062% | 5,754 |
| Core capital (leverage) ratio | 8.3440% | 5,678 |
| Tier 1 risk-based capital ratio | 13.2394% | 4,383 |
| Total risk-based capital ratio | 14.0995% | 4,517 |
| Memoranda: |
| Average total assets | $2,408,233,000 | 335 |
| Average earning assets | $2,207,306,330 | 330 |
| Average equity | $205,306,330 | 412 |
| Average total loans | $1,142,499,000 | 436 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2177% | 5,621 |
| Cost of funding earning assets | 0.1533% | 5,906 |
| Net interest margin | 3.0644% | 5,046 |
| Noninterest income to average assets | 0.5716% | 2,822 |
| Noninterest expense to average assets | 2.4334% | 4,500 |
| Loan and lease loss provision to assets | 0.0620% | 2,689 |
| Net operating income to assets | 0.8798% | 2,845 |
| Return on assets (ROA) | 1.1776% | 1,715 |
| Pretax return on assets | 1.1798% | 2,743 |
| Return on Equity (ROE) | 13.7172% | 934 |
| Retained earnings to average equity (ytd only) | 1.8984% | 4,716 |
| Net charge-offs to loans | 0.0918% | 1,802 |
| Credit loss provision to net charge-offs | 145.1362% | 1,276 |
| Earnings coverage of net charge-offs (x) | 22.0856% | 1,363 |
| Efficiency ratio | 72.0504% | 3,167 |
| Assets per employee ($millions) | 4.8880% | 2,503 |
| Cash dividends to net income (ytd only)* | 86.1601% | 878 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1269% | 4,387 |
| Loan loss allowance to noncurrent loans | 395.4012% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,990 |
| Noncurrent loans to loans | 0.2850% | 4,753 |
| Net loans and leases to total assets | 46.4571% | 5,166 |
| Net loans and leases to deposits | 55.7260% | 5,072 |
| Net loans and leases to core deposits | 57.6140% | 5,148 |
| Total domestic deposits to total assets | 83.3670% | 4,059 |
| Equity capital to assets | 8.6739% | 5,597 |
| Core capital (leverage) ratio | 8.2385% | 5,785 |
| Tier 1 risk-based capital ratio | 13.2973% | 4,434 |
| Total risk-based capital ratio | 14.1541% | 4,576 |
| Memoranda: |
| Average total assets | $2,405,209,500 | 333 |
| Average earning assets | $2,202,209,500 | 329 |
| Average equity | $206,485,500 | 407 |
| Average total loans | $1,120,335,000 | 441 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1830% | 5,852 |
| Cost of funding earning assets | 0.1538% | 6,076 |
| Net interest margin | 3.0292% | 5,376 |
| Noninterest income to average assets | 0.5235% | 3,335 |
| Noninterest expense to average assets | 2.5229% | 4,474 |
| Loan and lease loss provision to assets | 0.0328% | 3,941 |
| Net operating income to assets | 0.7295% | 3,742 |
| Return on assets (ROA) | 0.8669% | 3,130 |
| Pretax return on assets | 0.8690% | 4,005 |
| Return on Equity (ROE) | 9.8658% | 2,173 |
| Retained earnings to average equity (ytd only) | 5.5426% | 2,232 |
| Net charge-offs to loans | -0.0587% | 5,976 |
| Credit loss provision to net charge-offs | -134.8571% | 5,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7479% | 2,399 |
| Assets per employee ($millions) | 4.6606% | 2,779 |
| Cash dividends to net income (ytd only)* | 43.8198% | 2,647 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1501% | 4,284 |
| Loan loss allowance to noncurrent loans | 502.5732% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 5,112 |
| Noncurrent loans to loans | 0.2288% | 5,002 |
| Net loans and leases to total assets | 45.6366% | 5,358 |
| Net loans and leases to deposits | 55.0731% | 5,243 |
| Net loans and leases to core deposits | 57.0973% | 5,302 |
| Total domestic deposits to total assets | 82.8654% | 4,123 |
| Equity capital to assets | 8.4949% | 5,758 |
| Core capital (leverage) ratio | 8.3395% | 5,736 |
| Tier 1 risk-based capital ratio | 13.0891% | 4,662 |
| Total risk-based capital ratio | 13.9291% | 4,845 |
| Memoranda: |
| Average total assets | $2,158,558,600 | 349 |
| Average earning assets | $1,969,419,000 | 345 |
| Average equity | $189,675,200 | 422 |
| Average total loans | $894,773,600 | 499 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1548% | 5,951 |
| Cost of funding earning assets | 0.1524% | 6,172 |
| Net interest margin | 3.0024% | 5,498 |
| Noninterest income to average assets | 0.4923% | 3,598 |
| Noninterest expense to average assets | 2.3977% | 4,835 |
| Loan and lease loss provision to assets | 0.0278% | 3,849 |
| Net operating income to assets | 0.8018% | 3,421 |
| Return on assets (ROA) | 0.9452% | 2,795 |
| Pretax return on assets | 0.9478% | 3,802 |
| Return on Equity (ROE) | 10.6553% | 1,923 |
| Retained earnings to average equity (ytd only) | 5.0736% | 3,038 |
| Net charge-offs to loans | -0.0940% | 6,121 |
| Credit loss provision to net charge-offs | -73.7374% | 5,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2350% | 2,782 |
| Assets per employee ($millions) | 4.5016% | 2,970 |
| Cash dividends to net income (ytd only)* | 52.3841% | 1,725 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3625% | 3,336 |
| Loan loss allowance to noncurrent loans | 432.6177% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 5,172 |
| Noncurrent loans to loans | 0.3149% | 4,966 |
| Net loans and leases to total assets | 41.8597% | 5,686 |
| Net loans and leases to deposits | 51.4179% | 5,565 |
| Net loans and leases to core deposits | 53.0028% | 5,627 |
| Total domestic deposits to total assets | 81.4108% | 4,694 |
| Equity capital to assets | 8.8066% | 5,543 |
| Core capital (leverage) ratio | 8.8576% | 5,255 |
| Tier 1 risk-based capital ratio | 13.9432% | 4,255 |
| Total risk-based capital ratio | 14.8579% | 4,419 |
| Memoranda: |
| Average total assets | $2,100,480,750 | 356 |
| Average earning assets | $1,915,188,250 | 350 |
| Average equity | $186,318,500 | 426 |
| Average total loans | $842,515,250 | 520 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0897% | 6,072 |
| Cost of funding earning assets | 0.1496% | 6,267 |
| Net interest margin | 2.9401% | 5,659 |
| Noninterest income to average assets | 0.5224% | 3,321 |
| Noninterest expense to average assets | 2.4280% | 4,801 |
| Loan and lease loss provision to assets | 0.0421% | 3,479 |
| Net operating income to assets | 0.7288% | 3,681 |
| Return on assets (ROA) | 0.9460% | 2,669 |
| Pretax return on assets | 0.9486% | 3,683 |
| Return on Equity (ROE) | 10.6382% | 1,875 |
| Retained earnings to average equity (ytd only) | 3.7190% | 3,830 |
| Net charge-offs to loans | -0.1079% | 6,173 |
| Credit loss provision to net charge-offs | -99.3197% | 5,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8393% | 2,666 |
| Assets per employee ($millions) | 4.3219% | 3,227 |
| Cash dividends to net income (ytd only)* | 65.0407% | 1,325 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4309% | 3,194 |
| Loan loss allowance to noncurrent loans | 251.1396% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 4,835 |
| Noncurrent loans to loans | 0.5698% | 4,308 |
| Net loans and leases to total assets | 40.6419% | 5,772 |
| Net loans and leases to deposits | 48.9091% | 5,711 |
| Net loans and leases to core deposits | 50.4249% | 5,771 |
| Total domestic deposits to total assets | 83.0968% | 4,271 |
| Equity capital to assets | 9.1703% | 5,136 |
| Core capital (leverage) ratio | 8.9238% | 5,131 |
| Tier 1 risk-based capital ratio | 14.1049% | 4,192 |
| Total risk-based capital ratio | 15.0367% | 4,348 |
| Memoranda: |
| Average total assets | $2,080,378,330 | 355 |
| Average earning assets | $1,895,699,000 | 350 |
| Average equity | $184,994,000 | 425 |
| Average total loans | $817,689,000 | 532 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0513% | 6,180 |
| Cost of funding earning assets | 0.1480% | 6,364 |
| Net interest margin | 2.9033% | 5,744 |
| Noninterest income to average assets | 0.5456% | 3,080 |
| Noninterest expense to average assets | 2.5679% | 4,385 |
| Loan and lease loss provision to assets | -0.0019% | 6,366 |
| Net operating income to assets | 0.6316% | 4,038 |
| Return on assets (ROA) | 1.0672% | 2,011 |
| Pretax return on assets | 1.0699% | 3,033 |
| Return on Equity (ROE) | 12.1930% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.0249% | 2,527 |
| Net charge-offs to loans | -0.1700% | 6,338 |
| Credit loss provision to net charge-offs | 2.9586% | 2,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2398% | 2,174 |
| Assets per employee ($millions) | 4.2087% | 3,510 |
| Cash dividends to net income (ytd only)* | 50.5872% | 1,670 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4505% | 3,364 |
| Loan loss allowance to noncurrent loans | 220.9106% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 5,251 |
| Noncurrent loans to loans | 0.6566% | 4,220 |
| Net loans and leases to total assets | 38.2940% | 5,924 |
| Net loans and leases to deposits | 46.5441% | 5,813 |
| Net loans and leases to core deposits | 48.0535% | 5,873 |
| Total domestic deposits to total assets | 82.2746% | 4,864 |
| Equity capital to assets | 8.8544% | 5,270 |
| Core capital (leverage) ratio | 9.0098% | 4,996 |
| Tier 1 risk-based capital ratio | 14.2854% | 4,139 |
| Total risk-based capital ratio | 15.2249% | 4,291 |
| Memoranda: |
| Average total assets | $2,074,679,500 | 356 |
| Average earning assets | $1,897,002,500 | 350 |
| Average equity | $181,579,500 | 430 |
| Average total loans | $795,294,500 | 549 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1212% | 6,218 |
| Cost of funding earning assets | 0.1642% | 6,475 |
| Net interest margin | 2.9570% | 5,665 |
| Noninterest income to average assets | 0.7148% | 2,461 |
| Noninterest expense to average assets | 2.8182% | 3,664 |
| Loan and lease loss provision to assets | 0.0122% | 4,880 |
| Net operating income to assets | 0.5542% | 4,484 |
| Return on assets (ROA) | 0.5738% | 4,500 |
| Pretax return on assets | 0.5753% | 4,952 |
| Return on Equity (ROE) | 6.1352% | 4,005 |
| Retained earnings to average equity (ytd only) | 3.6206% | 3,646 |
| Net charge-offs to loans | 0.0381% | 4,699 |
| Credit loss provision to net charge-offs | 96.5251% | 2,590 |
| Earnings coverage of net charge-offs (x) | 44.9305% | 858 |
| Efficiency ratio | 83.2303% | 1,720 |
| Assets per employee ($millions) | 4.0907% | 3,678 |
| Cash dividends to net income (ytd only)* | 40.9864% | 2,761 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4737% | 3,318 |
| Loan loss allowance to noncurrent loans | 225.0098% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 5,197 |
| Noncurrent loans to loans | 0.6549% | 4,331 |
| Net loans and leases to total assets | 37.2433% | 6,140 |
| Net loans and leases to deposits | 45.4231% | 6,050 |
| Net loans and leases to core deposits | 46.9849% | 6,093 |
| Total domestic deposits to total assets | 81.9921% | 4,877 |
| Equity capital to assets | 8.6482% | 5,425 |
| Core capital (leverage) ratio | 8.8312% | 5,233 |
| Tier 1 risk-based capital ratio | 14.2316% | 4,129 |
| Total risk-based capital ratio | 15.1554% | 4,300 |
| Memoranda: |
| Average total assets | $2,049,406,400 | 348 |
| Average earning assets | $1,851,285,200 | 347 |
| Average equity | $191,681,800 | 402 |
| Average total loans | $680,507,600 | 617 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0794% | 6,338 |
| Cost of funding earning assets | 0.1665% | 6,568 |
| Net interest margin | 2.9129% | 5,784 |
| Noninterest income to average assets | 0.7303% | 2,457 |
| Noninterest expense to average assets | 2.6324% | 4,269 |
| Loan and lease loss provision to assets | 0.0470% | 4,076 |
| Net operating income to assets | 0.6763% | 3,975 |
| Return on assets (ROA) | 0.6974% | 4,014 |
| Pretax return on assets | 0.6988% | 4,693 |
| Return on Equity (ROE) | 7.3179% | 3,478 |
| Retained earnings to average equity (ytd only) | 4.3522% | 3,577 |
| Net charge-offs to loans | 0.1201% | 3,351 |
| Credit loss provision to net charge-offs | 122.1658% | 1,927 |
| Earnings coverage of net charge-offs (x) | 18.8308% | 1,657 |
| Efficiency ratio | 78.4117% | 2,356 |
| Assets per employee ($millions) | 4.2449% | 3,341 |
| Cash dividends to net income (ytd only)* | 40.5266% | 2,262 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6181% | 2,923 |
| Loan loss allowance to noncurrent loans | 192.2134% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 4,737 |
| Noncurrent loans to loans | 0.8418% | 4,146 |
| Net loans and leases to total assets | 33.5713% | 6,384 |
| Net loans and leases to deposits | 41.8602% | 6,314 |
| Net loans and leases to core deposits | 43.2058% | 6,337 |
| Total domestic deposits to total assets | 80.1987% | 5,458 |
| Equity capital to assets | 8.7649% | 5,450 |
| Core capital (leverage) ratio | 8.9961% | 5,135 |
| Tier 1 risk-based capital ratio | 14.2424% | 4,259 |
| Total risk-based capital ratio | 15.1811% | 4,433 |
| Memoranda: |
| Average total assets | $2,047,350,000 | 347 |
| Average earning assets | $1,846,326,500 | 347 |
| Average equity | $195,115,000 | 395 |
| Average total loans | $656,186,250 | 642 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0749% | 6,373 |
| Cost of funding earning assets | 0.1718% | 6,617 |
| Net interest margin | 2.9031% | 5,797 |
| Noninterest income to average assets | 0.7929% | 2,216 |
| Noninterest expense to average assets | 2.6289% | 4,286 |
| Loan and lease loss provision to assets | 0.1001% | 3,121 |
| Net operating income to assets | 0.6769% | 3,923 |
| Return on assets (ROA) | 0.7089% | 3,932 |
| Pretax return on assets | 0.7104% | 4,652 |
| Return on Equity (ROE) | 7.2378% | 3,474 |
| Retained earnings to average equity (ytd only) | 5.6127% | 2,666 |
| Net charge-offs to loans | 0.1573% | 2,843 |
| Credit loss provision to net charge-offs | 203.2000% | 1,176 |
| Earnings coverage of net charge-offs (x) | 15.7980% | 1,713 |
| Efficiency ratio | 77.1534% | 2,599 |
| Assets per employee ($millions) | 4.0596% | 3,667 |
| Cash dividends to net income (ytd only)* | 22.4524% | 2,902 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7676% | 2,536 |
| Loan loss allowance to noncurrent loans | 169.1168% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 4,649 |
| Noncurrent loans to loans | 1.0452% | 3,847 |
| Net loans and leases to total assets | 33.2860% | 6,451 |
| Net loans and leases to deposits | 40.1379% | 6,398 |
| Net loans and leases to core deposits | 41.9007% | 6,408 |
| Total domestic deposits to total assets | 82.9291% | 4,724 |
| Equity capital to assets | 9.3446% | 4,792 |
| Core capital (leverage) ratio | 9.1170% | 4,807 |
| Tier 1 risk-based capital ratio | 15.3906% | 3,534 |
| Total risk-based capital ratio | 16.4331% | 3,626 |
| Memoranda: |
| Average total assets | $2,029,386,000 | 352 |
| Average earning assets | $1,827,588,670 | 349 |
| Average equity | $198,763,000 | 388 |
| Average total loans | $635,909,670 | 658 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0285% | 6,482 |
| Cost of funding earning assets | 0.1806% | 6,670 |
| Net interest margin | 2.8479% | 5,921 |
| Noninterest income to average assets | 0.8251% | 2,021 |
| Noninterest expense to average assets | 2.4622% | 4,903 |
| Loan and lease loss provision to assets | 0.1752% | 2,117 |
| Net operating income to assets | 0.7489% | 3,440 |
| Return on assets (ROA) | 0.8122% | 3,229 |
| Pretax return on assets | 0.8135% | 4,121 |
| Return on Equity (ROE) | 8.1100% | 2,918 |
| Retained earnings to average equity (ytd only) | 7.5236% | 1,932 |
| Net charge-offs to loans | 0.1763% | 2,335 |
| Credit loss provision to net charge-offs | 330.2583% | 737 |
| Earnings coverage of net charge-offs (x) | 17.4465% | 1,316 |
| Efficiency ratio | 72.6800% | 3,486 |
| Assets per employee ($millions) | 4.1898% | 3,553 |
| Cash dividends to net income (ytd only)* | 7.2307% | 2,534 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9144% | 2,265 |
| Loan loss allowance to noncurrent loans | 91.8096% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 3,879 |
| Noncurrent loans to loans | 2.0852% | 2,523 |
| Net loans and leases to total assets | 30.4341% | 6,587 |
| Net loans and leases to deposits | 37.3344% | 6,529 |
| Net loans and leases to core deposits | 39.1723% | 6,517 |
| Total domestic deposits to total assets | 81.5175% | 5,355 |
| Equity capital to assets | 10.0684% | 4,055 |
| Core capital (leverage) ratio | 9.0310% | 4,833 |
| Tier 1 risk-based capital ratio | 16.0795% | 3,216 |
| Total risk-based capital ratio | 17.1595% | 3,283 |
| Memoranda: |
| Average total assets | $2,043,396,500 | 350 |
| Average earning assets | $1,838,677,000 | 350 |
| Average equity | $204,635,000 | 381 |
| Average total loans | $614,783,500 | 679 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0184% | 6,762 |
| Cost of funding earning assets | 0.2529% | 6,659 |
| Net interest margin | 2.7655% | 6,429 |
| Noninterest income to average assets | 0.7130% | 2,653 |
| Noninterest expense to average assets | 2.8601% | 3,810 |
| Loan and lease loss provision to assets | -0.0799% | 6,908 |
| Net operating income to assets | 0.4426% | 4,916 |
| Return on assets (ROA) | 0.5131% | 4,898 |
| Pretax return on assets | 0.5131% | 5,241 |
| Return on Equity (ROE) | 4.8350% | 4,760 |
| Retained earnings to average equity (ytd only) | -1.5733% | 6,101 |
| Net charge-offs to loans | 0.3096% | 3,096 |
| Credit loss provision to net charge-offs | -98.5452% | 6,330 |
| Earnings coverage of net charge-offs (x) | 4.4706% | 3,356 |
| Efficiency ratio | 88.7479% | 1,170 |
| Assets per employee ($millions) | 4.2543% | 3,453 |
| Cash dividends to net income (ytd only)* | 132.5400% | 269 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9190% | 2,236 |
| Loan loss allowance to noncurrent loans | 88.8536% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 4,155 |
| Noncurrent loans to loans | 2.1597% | 2,511 |
| Net loans and leases to total assets | 28.5918% | 6,746 |
| Net loans and leases to deposits | 34.5808% | 6,724 |
| Net loans and leases to core deposits | 36.5472% | 6,715 |
| Total domestic deposits to total assets | 82.6812% | 4,857 |
| Equity capital to assets | 9.9609% | 4,221 |
| Core capital (leverage) ratio | 8.9592% | 4,963 |
| Tier 1 risk-based capital ratio | 16.0641% | 3,129 |
| Total risk-based capital ratio | 17.1444% | 3,180 |
| Memoranda: |
| Average total assets | $1,949,106,200 | 361 |
| Average earning assets | $1,768,822,800 | 351 |
| Average equity | $206,824,200 | 364 |
| Average total loans | $510,686,600 | 810 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0319% | 6,889 |
| Cost of funding earning assets | 0.2649% | 6,749 |
| Net interest margin | 2.7670% | 6,557 |
| Noninterest income to average assets | 0.7323% | 2,555 |
| Noninterest expense to average assets | 2.8903% | 3,639 |
| Loan and lease loss provision to assets | -0.1725% | 7,077 |
| Net operating income to assets | 0.5355% | 4,680 |
| Return on assets (ROA) | 0.5908% | 4,701 |
| Pretax return on assets | 0.5908% | 5,193 |
| Return on Equity (ROE) | 5.4787% | 4,610 |
| Retained earnings to average equity (ytd only) | 1.4620% | 5,598 |
| Net charge-offs to loans | -0.1208% | 6,902 |
| Credit loss provision to net charge-offs | 561.8510% | 473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8411% | 1,124 |
| Assets per employee ($millions) | 4.0608% | 3,748 |
| Cash dividends to net income (ytd only)* | 73.3138% | 821 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5224% | 1,184 |
| Loan loss allowance to noncurrent loans | 97.8581% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.0090% | 4,264 |
| Noncurrent loans to loans | 2.5776% | 2,216 |
| Net loans and leases to total assets | 24.8576% | 6,949 |
| Net loans and leases to deposits | 30.1737% | 6,947 |
| Net loans and leases to core deposits | 31.2712% | 6,945 |
| Total domestic deposits to total assets | 82.3816% | 4,883 |
| Equity capital to assets | 10.8867% | 3,400 |
| Core capital (leverage) ratio | 9.5678% | 4,165 |
| Tier 1 risk-based capital ratio | 18.6794% | 2,106 |
| Total risk-based capital ratio | 19.9308% | 2,075 |
| Memoranda: |
| Average total assets | $1,923,740,500 | 368 |
| Average earning assets | $1,752,738,750 | 359 |
| Average equity | $207,466,500 | 360 |
| Average total loans | $488,916,750 | 849 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0842% | 6,939 |
| Cost of funding earning assets | 0.2781% | 6,803 |
| Net interest margin | 2.8061% | 6,566 |
| Noninterest income to average assets | 0.8291% | 2,060 |
| Noninterest expense to average assets | 2.8958% | 3,632 |
| Loan and lease loss provision to assets | -0.0162% | 7,037 |
| Net operating income to assets | 0.5118% | 4,764 |
| Return on assets (ROA) | 0.5512% | 4,858 |
| Pretax return on assets | 0.5512% | 5,306 |
| Return on Equity (ROE) | 5.1278% | 4,744 |
| Retained earnings to average equity (ytd only) | -0.9478% | 6,204 |
| Net charge-offs to loans | -0.1852% | 6,982 |
| Credit loss provision to net charge-offs | 34.4444% | 4,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3855% | 1,489 |
| Assets per employee ($millions) | 4.0420% | 3,786 |
| Cash dividends to net income (ytd only)* | 118.4834% | 280 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1278% | 692 |
| Loan loss allowance to noncurrent loans | 98.4348% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 4,116 |
| Noncurrent loans to loans | 3.1775% | 1,836 |
| Net loans and leases to total assets | 24.1457% | 7,030 |
| Net loans and leases to deposits | 28.7988% | 7,028 |
| Net loans and leases to core deposits | 29.8203% | 7,027 |
| Total domestic deposits to total assets | 83.8429% | 4,383 |
| Equity capital to assets | 10.6149% | 3,549 |
| Core capital (leverage) ratio | 9.4765% | 4,169 |
| Tier 1 risk-based capital ratio | 19.8767% | 1,730 |
| Total risk-based capital ratio | 21.1326% | 1,701 |
| Memoranda: |
| Average total assets | $1,913,900,330 | 370 |
| Average earning assets | $1,747,605,000 | 362 |
| Average equity | $205,740,000 | 360 |
| Average total loans | $485,856,330 | 849 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2001% | 6,941 |
| Cost of funding earning assets | 0.3167% | 6,789 |
| Net interest margin | 2.8834% | 6,510 |
| Noninterest income to average assets | 0.8593% | 1,910 |
| Noninterest expense to average assets | 2.9164% | 3,553 |
| Loan and lease loss provision to assets | 0.1470% | 3,522 |
| Net operating income to assets | 0.4225% | 5,154 |
| Return on assets (ROA) | 0.4935% | 5,058 |
| Pretax return on assets | 0.4935% | 5,448 |
| Return on Equity (ROE) | 4.5728% | 5,002 |
| Retained earnings to average equity (ytd only) | 4.5728% | 3,839 |
| Net charge-offs to loans | -0.6564% | 7,175 |
| Credit loss provision to net charge-offs | -87.7551% | 5,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6645% | 1,721 |
| Assets per employee ($millions) | 4.0743% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2142% | 675 |
| Loan loss allowance to noncurrent loans | 116.7225% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 4,819 |
| Noncurrent loans to loans | 2.7537% | 2,362 |
| Net loans and leases to total assets | 24.9954% | 7,061 |
| Net loans and leases to deposits | 30.5038% | 7,042 |
| Net loans and leases to core deposits | 32.8143% | 7,017 |
| Total domestic deposits to total assets | 81.9418% | 5,317 |
| Equity capital to assets | 11.1233% | 2,780 |
| Core capital (leverage) ratio | 10.1082% | 3,229 |
| Tier 1 risk-based capital ratio | 20.7436% | 1,539 |
| Total risk-based capital ratio | 22.0005% | 1,507 |
| Memoranda: |
| Average total assets | $1,755,446,000 | 393 |
| Average earning assets | $1,599,098,500 | 383 |
| Average equity | $189,467,000 | 382 |
| Average total loans | $447,886,500 | 925 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1729% | 7,134 |
| Cost of funding earning assets | 0.4181% | 6,839 |
| Net interest margin | 2.7548% | 6,876 |
| Noninterest income to average assets | 0.8044% | 2,037 |
| Noninterest expense to average assets | 3.1853% | 2,918 |
| Loan and lease loss provision to assets | -0.2267% | 7,308 |
| Net operating income to assets | 0.3331% | 5,137 |
| Return on assets (ROA) | 0.5925% | 4,215 |
| Pretax return on assets | 0.5925% | 4,720 |
| Return on Equity (ROE) | 5.5419% | 4,111 |
| Retained earnings to average equity (ytd only) | -11.1962% | 6,736 |
| Net charge-offs to loans | 0.9021% | 1,924 |
| Credit loss provision to net charge-offs | -85.7236% | 6,693 |
| Earnings coverage of net charge-offs (x) | 0.4023% | 5,518 |
| Efficiency ratio | 96.7678% | 784 |
| Assets per employee ($millions) | 3.8990% | 4,080 |
| Cash dividends to net income (ytd only)* | 302.0265% | 39 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0134% | 803 |
| Loan loss allowance to noncurrent loans | 264.3284% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 5,914 |
| Noncurrent loans to loans | 1.1400% | 4,457 |
| Net loans and leases to total assets | 24.4403% | 7,151 |
| Net loans and leases to deposits | 30.6174% | 7,121 |
| Net loans and leases to core deposits | 32.7164% | 7,102 |
| Total domestic deposits to total assets | 79.8249% | 5,790 |
| Equity capital to assets | 10.4596% | 3,580 |
| Core capital (leverage) ratio | 9.5329% | 3,970 |
| Tier 1 risk-based capital ratio | 20.3026% | 1,568 |
| Total risk-based capital ratio | 21.5582% | 1,544 |
| Memoranda: |
| Average total assets | $1,732,237,400 | 387 |
| Average earning assets | $1,564,042,400 | 381 |
| Average equity | $185,206,000 | 378 |
| Average total loans | $507,819,200 | 820 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2387% | 7,193 |
| Cost of funding earning assets | 0.4424% | 6,904 |
| Net interest margin | 2.7963% | 6,886 |
| Noninterest income to average assets | 0.8321% | 1,917 |
| Noninterest expense to average assets | 3.2137% | 2,790 |
| Loan and lease loss provision to assets | -0.1518% | 7,375 |
| Net operating income to assets | 0.2916% | 5,426 |
| Return on assets (ROA) | 0.5584% | 4,450 |
| Pretax return on assets | 0.5584% | 4,940 |
| Return on Equity (ROE) | 5.1938% | 4,454 |
| Retained earnings to average equity (ytd only) | -17.0479% | 7,032 |
| Net charge-offs to loans | 1.0250% | 1,562 |
| Credit loss provision to net charge-offs | -48.7853% | 6,467 |
| Earnings coverage of net charge-offs (x) | 0.4494% | 5,290 |
| Efficiency ratio | 95.8302% | 833 |
| Assets per employee ($millions) | 3.7201% | 4,493 |
| Cash dividends to net income (ytd only)* | 428.2359% | 22 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5501% | 542 |
| Loan loss allowance to noncurrent loans | 657.9057% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 6,415 |
| Noncurrent loans to loans | 0.5396% | 5,786 |
| Net loans and leases to total assets | 24.5566% | 7,221 |
| Net loans and leases to deposits | 30.2760% | 7,216 |
| Net loans and leases to core deposits | 32.3022% | 7,195 |
| Total domestic deposits to total assets | 81.1094% | 5,397 |
| Equity capital to assets | 10.1479% | 4,157 |
| Core capital (leverage) ratio | 9.2110% | 4,611 |
| Tier 1 risk-based capital ratio | 19.5664% | 1,795 |
| Total risk-based capital ratio | 20.8253% | 1,762 |
| Memoranda: |
| Average total assets | $1,728,613,250 | 388 |
| Average earning assets | $1,558,754,500 | 385 |
| Average equity | $185,832,000 | 381 |
| Average total loans | $524,731,250 | 806 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3615% | 7,228 |
| Cost of funding earning assets | 0.4689% | 6,955 |
| Net interest margin | 2.8927% | 6,805 |
| Noninterest income to average assets | 0.7839% | 2,097 |
| Noninterest expense to average assets | 3.2437% | 2,748 |
| Loan and lease loss provision to assets | 0.0887% | 5,209 |
| Net operating income to assets | 0.0579% | 6,096 |
| Return on assets (ROA) | 0.3897% | 5,135 |
| Pretax return on assets | 0.3897% | 5,421 |
| Return on Equity (ROE) | 3.5580% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.5580% | 3,974 |
| Net charge-offs to loans | 1.1273% | 1,391 |
| Credit loss provision to net charge-offs | 24.5738% | 5,072 |
| Earnings coverage of net charge-offs (x) | 0.4062% | 4,999 |
| Efficiency ratio | 95.6763% | 894 |
| Assets per employee ($millions) | 3.5093% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9568% | 429 |
| Loan loss allowance to noncurrent loans | 68.8876% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 2.1779% | 3,012 |
| Noncurrent loans to loans | 5.7438% | 1,070 |
| Net loans and leases to total assets | 27.2561% | 7,258 |
| Net loans and leases to deposits | 34.0364% | 7,219 |
| Net loans and leases to core deposits | 36.4039% | 7,208 |
| Total domestic deposits to total assets | 80.0794% | 5,803 |
| Equity capital to assets | 11.4193% | 2,578 |
| Core capital (leverage) ratio | 10.8521% | 2,373 |
| Tier 1 risk-based capital ratio | 22.9169% | 1,132 |
| Total risk-based capital ratio | 24.1814% | 1,112 |
| Memoranda: |
| Average total assets | $1,723,242,670 | 392 |
| Average earning assets | $1,552,689,000 | 392 |
| Average equity | $188,758,330 | 382 |
| Average total loans | $551,569,670 | 781 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4576% | 7,231 |
| Cost of funding earning assets | 0.4861% | 7,023 |
| Net interest margin | 2.9715% | 6,629 |
| Noninterest income to average assets | 0.8189% | 1,957 |
| Noninterest expense to average assets | 3.3055% | 2,543 |
| Loan and lease loss provision to assets | 0.0195% | 5,703 |
| Net operating income to assets | 0.1751% | 5,871 |
| Return on assets (ROA) | 0.2833% | 5,554 |
| Pretax return on assets | 0.2833% | 5,708 |
| Return on Equity (ROE) | 2.6427% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.6427% | 4,580 |
| Net charge-offs to loans | 0.1863% | 3,381 |
| Credit loss provision to net charge-offs | 30.9963% | 4,102 |
| Earnings coverage of net charge-offs (x) | 3.0886% | 2,858 |
| Efficiency ratio | 94.4382% | 1,017 |
| Assets per employee ($millions) | 3.4203% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8793% | 457 |
| Loan loss allowance to noncurrent loans | 74.8051% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 2.2367% | 3,018 |
| Noncurrent loans to loans | 5.1858% | 1,289 |
| Net loans and leases to total assets | 31.0254% | 7,205 |
| Net loans and leases to deposits | 38.4648% | 7,156 |
| Net loans and leases to core deposits | 41.1458% | 7,132 |
| Total domestic deposits to total assets | 80.6592% | 5,765 |
| Equity capital to assets | 10.6709% | 3,017 |
| Core capital (leverage) ratio | 10.7672% | 2,388 |
| Tier 1 risk-based capital ratio | 22.2516% | 1,184 |
| Total risk-based capital ratio | 23.5186% | 1,155 |
| Memoranda: |
| Average total assets | $1,719,822,000 | 395 |
| Average earning assets | $1,551,827,500 | 392 |
| Average equity | $184,356,000 | 387 |
| Average total loans | $581,864,000 | 749 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1626% | 6,975 |
| Cost of funding earning assets | 0.6541% | 6,996 |
| Net interest margin | 3.5085% | 5,216 |
| Noninterest income to average assets | 1.0402% | 1,386 |
| Noninterest expense to average assets | 3.4897% | 2,208 |
| Loan and lease loss provision to assets | 0.2457% | 4,830 |
| Net operating income to assets | 0.4518% | 4,307 |
| Return on assets (ROA) | 0.8080% | 2,900 |
| Pretax return on assets | 0.8080% | 3,602 |
| Return on Equity (ROE) | 7.4903% | 2,900 |
| Retained earnings to average equity (ytd only) | 7.4903% | 1,152 |
| Net charge-offs to loans | 1.6185% | 1,340 |
| Credit loss provision to net charge-offs | 35.9359% | 6,437 |
| Earnings coverage of net charge-offs (x) | 1.0200% | 5,094 |
| Efficiency ratio | 83.3420% | 2,008 |
| Assets per employee ($millions) | 3.2435% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5850% | 555 |
| Loan loss allowance to noncurrent loans | 52.4943% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 3.1125% | 2,270 |
| Noncurrent loans to loans | 6.8293% | 842 |
| Net loans and leases to total assets | 34.1264% | 7,223 |
| Net loans and leases to deposits | 42.5966% | 7,165 |
| Net loans and leases to core deposits | 45.7122% | 7,149 |
| Total domestic deposits to total assets | 80.1155% | 5,802 |
| Equity capital to assets | 10.7683% | 2,887 |
| Core capital (leverage) ratio | 10.5516% | 2,506 |
| Tier 1 risk-based capital ratio | 21.3952% | 1,264 |
| Total risk-based capital ratio | 22.6615% | 1,235 |
| Memoranda: |
| Average total assets | $1,753,096,200 | 390 |
| Average earning assets | $1,572,471,600 | 393 |
| Average equity | $189,112,400 | 370 |
| Average total loans | $740,706,600 | 589 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3183% | 6,950 |
| Cost of funding earning assets | 0.6855% | 7,096 |
| Net interest margin | 3.6327% | 4,713 |
| Noninterest income to average assets | 1.0524% | 1,301 |
| Noninterest expense to average assets | 3.4245% | 2,223 |
| Loan and lease loss provision to assets | 0.1576% | 5,470 |
| Net operating income to assets | 0.7244% | 3,300 |
| Return on assets (ROA) | 1.0183% | 2,288 |
| Pretax return on assets | 1.0183% | 3,118 |
| Return on Equity (ROE) | 9.4354% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.4354% | 925 |
| Net charge-offs to loans | 1.6724% | 1,179 |
| Credit loss provision to net charge-offs | 21.4543% | 6,232 |
| Earnings coverage of net charge-offs (x) | 1.2008% | 4,864 |
| Efficiency ratio | 79.5190% | 2,421 |
| Assets per employee ($millions) | 3.2265% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2235% | 686 |
| Loan loss allowance to noncurrent loans | 78.1790% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 2.2771% | 3,110 |
| Noncurrent loans to loans | 4.1232% | 1,790 |
| Net loans and leases to total assets | 37.8194% | 7,190 |
| Net loans and leases to deposits | 47.0695% | 7,126 |
| Net loans and leases to core deposits | 50.6265% | 7,097 |
| Total domestic deposits to total assets | 80.3481% | 5,594 |
| Equity capital to assets | 11.4864% | 2,542 |
| Core capital (leverage) ratio | 10.5069% | 2,678 |
| Tier 1 risk-based capital ratio | 21.1364% | 1,338 |
| Total risk-based capital ratio | 22.4024% | 1,314 |
| Memoranda: |
| Average total assets | $1,762,422,750 | 386 |
| Average earning assets | $1,578,747,000 | 387 |
| Average equity | $190,200,250 | 363 |
| Average total loans | $774,055,750 | 561 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4884% | 6,736 |
| Cost of funding earning assets | 0.7225% | 7,138 |
| Net interest margin | 3.7660% | 4,065 |
| Noninterest income to average assets | 1.1828% | 921 |
| Noninterest expense to average assets | 3.3753% | 2,329 |
| Loan and lease loss provision to assets | 0.0009% | 6,856 |
| Net operating income to assets | 1.1806% | 1,613 |
| Return on assets (ROA) | 1.4045% | 1,148 |
| Pretax return on assets | 1.4045% | 1,830 |
| Return on Equity (ROE) | 13.2926% | 1,178 |
| Retained earnings to average equity (ytd only) | 13.2926% | 352 |
| Net charge-offs to loans | 1.9056% | 974 |
| Credit loss provision to net charge-offs | 0.1041% | 6,003 |
| Earnings coverage of net charge-offs (x) | 1.3627% | 4,464 |
| Efficiency ratio | 74.0720% | 3,465 |
| Assets per employee ($millions) | 3.2744% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9735% | 837 |
| Loan loss allowance to noncurrent loans | 85.4335% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 2.1014% | 3,377 |
| Noncurrent loans to loans | 3.4805% | 2,277 |
| Net loans and leases to total assets | 40.7155% | 7,121 |
| Net loans and leases to deposits | 51.1900% | 7,014 |
| Net loans and leases to core deposits | 54.0816% | 7,031 |
| Total domestic deposits to total assets | 79.5379% | 5,882 |
| Equity capital to assets | 11.3304% | 2,568 |
| Core capital (leverage) ratio | 10.4441% | 2,673 |
| Tier 1 risk-based capital ratio | 19.8207% | 1,542 |
| Total risk-based capital ratio | 21.0847% | 1,509 |
| Memoranda: |
| Average total assets | $1,772,354,000 | 388 |
| Average earning assets | $1,587,854,000 | 389 |
| Average equity | $187,261,670 | 366 |
| Average total loans | $806,375,670 | 545 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5470% | 6,686 |
| Cost of funding earning assets | 0.7652% | 7,188 |
| Net interest margin | 3.7818% | 3,869 |
| Noninterest income to average assets | 0.9044% | 1,604 |
| Noninterest expense to average assets | 3.4313% | 2,153 |
| Loan and lease loss provision to assets | -0.0529% | 7,861 |
| Net operating income to assets | 0.9165% | 2,484 |
| Return on assets (ROA) | 0.9185% | 2,544 |
| Pretax return on assets | 0.9185% | 3,399 |
| Return on Equity (ROE) | 9.0122% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.0122% | 1,400 |
| Net charge-offs to loans | 2.0152% | 851 |
| Credit loss provision to net charge-offs | -5.5542% | 5,953 |
| Earnings coverage of net charge-offs (x) | 0.9075% | 4,232 |
| Efficiency ratio | 79.8915% | 2,582 |
| Assets per employee ($millions) | 3.3258% | 5,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1934% | 697 |
| Loan loss allowance to noncurrent loans | 78.7528% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 2.4362% | 2,980 |
| Noncurrent loans to loans | 4.0550% | 1,926 |
| Net loans and leases to total assets | 42.6170% | 7,085 |
| Net loans and leases to deposits | 53.5688% | 6,943 |
| Net loans and leases to core deposits | 56.5959% | 6,957 |
| Total domestic deposits to total assets | 79.5557% | 5,925 |
| Equity capital to assets | 10.4572% | 3,287 |
| Core capital (leverage) ratio | 9.7925% | 3,407 |
| Tier 1 risk-based capital ratio | 17.4085% | 2,104 |
| Total risk-based capital ratio | 18.6744% | 2,069 |
| Memoranda: |
| Average total assets | $1,785,893,000 | 399 |
| Average earning assets | $1,601,154,500 | 400 |
| Average equity | $182,019,500 | 383 |
| Average total loans | $843,376,500 | 540 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0163% | 6,377 |
| Cost of funding earning assets | 1.0719% | 7,052 |
| Net interest margin | 3.9444% | 3,104 |
| Noninterest income to average assets | 1.5558% | 592 |
| Noninterest expense to average assets | 3.4151% | 2,624 |
| Loan and lease loss provision to assets | 0.9314% | 2,417 |
| Net operating income to assets | 0.7962% | 2,550 |
| Return on assets (ROA) | 0.9910% | 1,916 |
| Pretax return on assets | 0.9910% | 2,620 |
| Return on Equity (ROE) | 10.9345% | 1,447 |
| Retained earnings to average equity (ytd only) | 10.9345% | 286 |
| Net charge-offs to loans | 1.0976% | 2,223 |
| Credit loss provision to net charge-offs | 137.1907% | 3,590 |
| Earnings coverage of net charge-offs (x) | 2.5447% | 3,851 |
| Efficiency ratio | 66.4068% | 5,308 |
| Assets per employee ($millions) | 3.1286% | 5,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2547% | 631 |
| Loan loss allowance to noncurrent loans | 57.7909% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 3.2492% | 2,114 |
| Noncurrent loans to loans | 5.6318% | 1,140 |
| Net loans and leases to total assets | 48.7505% | 6,754 |
| Net loans and leases to deposits | 60.7455% | 6,582 |
| Net loans and leases to core deposits | 69.3148% | 6,812 |
| Total domestic deposits to total assets | 80.2536% | 5,599 |
| Equity capital to assets | 9.9299% | 3,861 |
| Core capital (leverage) ratio | 9.3645% | 3,882 |
| Tier 1 risk-based capital ratio | 15.1347% | 2,873 |
| Total risk-based capital ratio | 16.4018% | 2,825 |
| Memoranda: |
| Average total assets | $1,845,652,000 | 386 |
| Average earning assets | $1,678,330,200 | 385 |
| Average equity | $167,278,400 | 411 |
| Average total loans | $1,141,602,000 | 426 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0363% | 6,493 |
| Cost of funding earning assets | 1.1269% | 7,106 |
| Net interest margin | 3.9094% | 3,207 |
| Noninterest income to average assets | 1.1368% | 1,216 |
| Noninterest expense to average assets | 3.4430% | 2,440 |
| Loan and lease loss provision to assets | 1.0106% | 1,898 |
| Net operating income to assets | 0.2496% | 4,993 |
| Return on assets (ROA) | 0.4112% | 4,452 |
| Pretax return on assets | 0.4112% | 4,772 |
| Return on Equity (ROE) | 4.6446% | 4,100 |
| Retained earnings to average equity (ytd only) | 4.6446% | 2,683 |
| Net charge-offs to loans | 0.9564% | 2,066 |
| Credit loss provision to net charge-offs | 163.5203% | 2,881 |
| Earnings coverage of net charge-offs (x) | 2.0390% | 4,293 |
| Efficiency ratio | 73.2058% | 4,014 |
| Assets per employee ($millions) | 3.1059% | 5,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9310% | 706 |
| Loan loss allowance to noncurrent loans | 48.1381% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 3.6547% | 1,793 |
| Noncurrent loans to loans | 6.0887% | 960 |
| Net loans and leases to total assets | 54.9741% | 6,268 |
| Net loans and leases to deposits | 67.0005% | 6,212 |
| Net loans and leases to core deposits | 77.1337% | 6,550 |
| Total domestic deposits to total assets | 82.0503% | 4,656 |
| Equity capital to assets | 9.3534% | 4,951 |
| Core capital (leverage) ratio | 8.6462% | 5,232 |
| Tier 1 risk-based capital ratio | 13.3394% | 3,962 |
| Total risk-based capital ratio | 14.6077% | 3,899 |
| Memoranda: |
| Average total assets | $1,858,111,250 | 393 |
| Average earning assets | $1,695,085,500 | 394 |
| Average equity | $164,517,250 | 429 |
| Average total loans | $1,200,772,500 | 421 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0383% | 6,653 |
| Cost of funding earning assets | 1.1653% | 7,202 |
| Net interest margin | 3.8730% | 3,233 |
| Noninterest income to average assets | 1.1487% | 1,186 |
| Noninterest expense to average assets | 3.4579% | 2,467 |
| Loan and lease loss provision to assets | 0.9601% | 1,763 |
| Net operating income to assets | 0.2690% | 5,017 |
| Return on assets (ROA) | 0.3618% | 4,754 |
| Pretax return on assets | 0.3618% | 5,042 |
| Return on Equity (ROE) | 4.1621% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.1621% | 2,979 |
| Net charge-offs to loans | 1.1871% | 1,541 |
| Credit loss provision to net charge-offs | 120.3217% | 3,857 |
| Earnings coverage of net charge-offs (x) | 1.5403% | 4,383 |
| Efficiency ratio | 73.7756% | 4,064 |
| Assets per employee ($millions) | 2.8168% | 6,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2456% | 1,171 |
| Loan loss allowance to noncurrent loans | 40.9827% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 3.6963% | 1,668 |
| Noncurrent loans to loans | 5.4793% | 1,063 |
| Net loans and leases to total assets | 63.2304% | 5,139 |
| Net loans and leases to deposits | 77.4997% | 4,943 |
| Net loans and leases to core deposits | 89.1780% | 5,611 |
| Total domestic deposits to total assets | 81.5880% | 4,864 |
| Equity capital to assets | 9.0306% | 5,271 |
| Core capital (leverage) ratio | 8.5067% | 5,440 |
| Tier 1 risk-based capital ratio | 11.8965% | 5,004 |
| Total risk-based capital ratio | 13.1579% | 4,913 |
| Memoranda: |
| Average total assets | $1,869,769,000 | 396 |
| Average earning assets | $1,708,204,000 | 394 |
| Average equity | $162,514,330 | 441 |
| Average total loans | $1,256,857,670 | 420 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0673% | 6,745 |
| Cost of funding earning assets | 1.1884% | 7,326 |
| Net interest margin | 3.8789% | 3,139 |
| Noninterest income to average assets | 1.2297% | 946 |
| Noninterest expense to average assets | 3.2252% | 2,878 |
| Loan and lease loss provision to assets | 1.2231% | 1,058 |
| Net operating income to assets | 0.3427% | 5,102 |
| Return on assets (ROA) | 0.4868% | 4,674 |
| Pretax return on assets | 0.4868% | 5,117 |
| Return on Equity (ROE) | 5.7065% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.7065% | 2,776 |
| Net charge-offs to loans | 0.9050% | 1,455 |
| Credit loss provision to net charge-offs | 197.5170% | 2,244 |
| Earnings coverage of net charge-offs (x) | 2.5286% | 3,486 |
| Efficiency ratio | 67.3173% | 5,080 |
| Assets per employee ($millions) | 2.9200% | 6,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2065% | 1,075 |
| Loan loss allowance to noncurrent loans | 93.0653% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7224% | 3,336 |
| Noncurrent loans to loans | 2.3710% | 2,773 |
| Net loans and leases to total assets | 65.1874% | 4,772 |
| Net loans and leases to deposits | 80.0254% | 4,607 |
| Net loans and leases to core deposits | 91.3930% | 5,413 |
| Total domestic deposits to total assets | 81.4584% | 4,764 |
| Equity capital to assets | 8.5911% | 5,927 |
| Core capital (leverage) ratio | 8.2407% | 6,017 |
| Tier 1 risk-based capital ratio | 11.1557% | 5,754 |
| Total risk-based capital ratio | 12.4167% | 5,655 |
| Memoranda: |
| Average total assets | $1,899,047,000 | 391 |
| Average earning assets | $1,743,588,500 | 387 |
| Average equity | $161,990,000 | 437 |
| Average total loans | $1,299,513,500 | 411 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7828% | 6,494 |
| Cost of funding earning assets | 1.6745% | 7,319 |
| Net interest margin | 4.1082% | 2,675 |
| Noninterest income to average assets | 1.0463% | 1,439 |
| Noninterest expense to average assets | 3.4509% | 2,524 |
| Loan and lease loss provision to assets | 1.0193% | 1,442 |
| Net operating income to assets | 0.3747% | 5,253 |
| Return on assets (ROA) | 0.4815% | 4,642 |
| Pretax return on assets | 0.4815% | 5,030 |
| Return on Equity (ROE) | 5.8058% | 4,026 |
| Retained earnings to average equity (ytd only) | 1.8224% | 4,099 |
| Net charge-offs to loans | 0.8484% | 1,482 |
| Credit loss provision to net charge-offs | 173.1538% | 2,943 |
| Earnings coverage of net charge-offs (x) | 2.3680% | 4,893 |
| Efficiency ratio | 71.2286% | 4,081 |
| Assets per employee ($millions) | 2.7394% | 6,700 |
| Cash dividends to net income (ytd only)* | 68.6106% | 2,240 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8425% | 1,544 |
| Loan loss allowance to noncurrent loans | 71.7195% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0188% | 2,437 |
| Noncurrent loans to loans | 2.5691% | 2,112 |
| Net loans and leases to total assets | 68.8741% | 4,285 |
| Net loans and leases to deposits | 83.4106% | 4,514 |
| Net loans and leases to core deposits | 94.1834% | 5,436 |
| Total domestic deposits to total assets | 82.5724% | 3,962 |
| Equity capital to assets | 8.4702% | 6,139 |
| Core capital (leverage) ratio | 8.3130% | 5,926 |
| Tier 1 risk-based capital ratio | 10.8028% | 5,911 |
| Total risk-based capital ratio | 12.0610% | 5,806 |
| Memoranda: |
| Average total assets | $1,955,330,600 | 369 |
| Average earning assets | $1,807,948,600 | 360 |
| Average equity | $162,147,600 | 438 |
| Average total loans | $1,356,748,200 | 383 |
