Home > Bank Independent > Performance and Condition Ratios
Bank Independent, Performance and Condition Ratios
| 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 | 6.6400% | 581 |
| Cost of funding earning assets | 1.8826% | 2,514 |
| Net interest margin | 4.7574% | 457 |
| Noninterest income to average assets | 0.8500% | 805 |
| Noninterest expense to average assets | 3.7160% | 457 |
| Loan and lease loss provision to assets | 0.2100% | 556 |
| Net operating income to assets | 0.9386% | 2,247 |
| Return on assets (ROA) | 0.9386% | 2,263 |
| Pretax return on assets | 1.2269% | 1,929 |
| Return on Equity (ROE) | 11.3700% | 1,793 |
| Retained earnings to average equity (ytd only) | 7.4599% | 1,586 |
| Net charge-offs to loans | 0.1774% | 654 |
| Credit loss provision to net charge-offs | 176.7384% | 1,170 |
| Earnings coverage of net charge-offs (x) | 12.0770% | 2,048 |
| Efficiency ratio | 72.1097% | 1,778 |
| Assets per employee ($millions) | 4.2000% | 4,051 |
| Cash dividends to net income (ytd only)* | 34.3742% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 1,725 |
| Loan loss allowance to noncurrent loans | 523.6231% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 2,547 |
| Noncurrent loans to loans | 0.2479% | 2,545 |
| Net loans and leases to total assets | 67.6900% | 2,122 |
| Net loans and leases to deposits | 79.5110% | 2,231 |
| Net loans and leases to core deposits | 86.1509% | 2,402 |
| Total domestic deposits to total assets | 85.1400% | 2,247 |
| Equity capital to assets | 8.6031% | 3,327 |
| Core capital (leverage) ratio | 8.4394% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0335% | 2,539 |
| Memoranda: | ||
| Average total assets | $2,706,780,750 | 447 |
| Average earning assets | $2,447,031,750 | 446 |
| Average equity | $223,500,250 | 522 |
| Average total loans | $1,815,437,750 | 462 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5545% | 590 |
| Cost of funding earning assets | 1.8756% | 2,418 |
| Net interest margin | 4.6788% | 508 |
| Noninterest income to average assets | 0.8500% | 792 |
| Noninterest expense to average assets | 3.7412% | 447 |
| Loan and lease loss provision to assets | 0.2300% | 466 |
| Net operating income to assets | 0.8586% | 2,423 |
| Return on assets (ROA) | 0.8586% | 2,437 |
| Pretax return on assets | 1.1132% | 2,175 |
| Return on Equity (ROE) | 10.5500% | 2,025 |
| Retained earnings to average equity (ytd only) | 6.5703% | 1,793 |
| Net charge-offs to loans | 0.1848% | 580 |
| Credit loss provision to net charge-offs | 189.8734% | 1,056 |
| Earnings coverage of net charge-offs (x) | 10.9494% | 1,952 |
| Efficiency ratio | 73.5308% | 1,694 |
| Assets per employee ($millions) | 4.0803% | 4,102 |
| Cash dividends to net income (ytd only)* | 37.7083% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 1,634 |
| Loan loss allowance to noncurrent loans | 500.9402% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 2,359 |
| Noncurrent loans to loans | 0.2646% | 2,423 |
| Net loans and leases to total assets | 65.9800% | 2,354 |
| Net loans and leases to deposits | 77.1750% | 2,456 |
| Net loans and leases to core deposits | 83.4700% | 2,563 |
| Total domestic deposits to total assets | 85.5000% | 2,149 |
| Equity capital to assets | 8.3004% | 3,225 |
| Core capital (leverage) ratio | 8.2838% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0398% | 2,561 |
| Memoranda: | ||
| Average total assets | $2,697,650,667 | 450 |
| Average earning assets | $2,443,003,000 | 444 |
| Average equity | $219,592,667 | 531 |
| Average total loans | $1,795,526,000 | 467 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4754% | 594 |
| Cost of funding earning assets | 1.8585% | 2,347 |
| Net interest margin | 4.6168% | 516 |
| Noninterest income to average assets | 0.8300% | 775 |
| Noninterest expense to average assets | 3.6783% | 467 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 0.8110% | 2,508 |
| Return on assets (ROA) | 0.8110% | 2,523 |
| Pretax return on assets | 1.0630% | 2,224 |
| Return on Equity (ROE) | 10.0600% | 2,115 |
| Retained earnings to average equity (ytd only) | 6.0410% | 2,096 |
| Net charge-offs to loans | 0.1771% | 494 |
| Credit loss provision to net charge-offs | 234.8485% | 756 |
| Earnings coverage of net charge-offs (x) | 11.3876% | 1,592 |
| Efficiency ratio | 73.3095% | 1,803 |
| Assets per employee ($millions) | 4.1517% | 4,099 |
| Cash dividends to net income (ytd only)* | 39.9670% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 1,754 |
| Loan loss allowance to noncurrent loans | 267.6364% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 1,723 |
| Noncurrent loans to loans | 0.4859% | 1,708 |
| Net loans and leases to total assets | 65.8400% | 2,249 |
| Net loans and leases to deposits | 76.6413% | 2,371 |
| Net loans and leases to core deposits | 81.2100% | 2,637 |
| Total domestic deposits to total assets | 85.9000% | 2,136 |
| Equity capital to assets | 8.0608% | 3,328 |
| Core capital (leverage) ratio | 9.1978% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8713% | 2,622 |
| Memoranda: | ||
| Average total assets | $2,693,873,000 | 451 |
| Average earning assets | $2,446,012,500 | 447 |
| Average equity | $217,117,000 | 537 |
| Average total loans | $1,788,811,500 | 474 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2378% | 468 |
| Cost of funding earning assets | 1.3413% | 2,388 |
| Net interest margin | 4.8965% | 366 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 3.7783% | 436 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.0126% | 2,174 |
| Return on assets (ROA) | 1.0126% | 2,160 |
| Pretax return on assets | 1.3042% | 1,863 |
| Return on Equity (ROE) | 12.7000% | 1,798 |
| Retained earnings to average equity (ytd only) | 8.3976% | 1,426 |
| Net charge-offs to loans | 0.1693% | 624 |
| Credit loss provision to net charge-offs | 226.0274% | 1,135 |
| Earnings coverage of net charge-offs (x) | 13.4661% | 2,106 |
| Efficiency ratio | 70.6809% | 1,797 |
| Assets per employee ($millions) | 4.0493% | 4,143 |
| Cash dividends to net income (ytd only)* | 33.8621% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 1,909 |
| Loan loss allowance to noncurrent loans | 325.5864% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 1,774 |
| Noncurrent loans to loans | 0.3909% | 1,813 |
| Net loans and leases to total assets | 65.2600% | 2,337 |
| Net loans and leases to deposits | 76.9315% | 2,360 |
| Net loans and leases to core deposits | 82.4343% | 2,556 |
| Total domestic deposits to total assets | 84.8200% | 2,364 |
| Equity capital to assets | 8.0585% | 3,372 |
| Core capital (leverage) ratio | 8.4042% | 4,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8265% | 2,621 |
| Memoranda: | ||
| Average total assets | $2,508,911,800 | 466 |
| Average earning assets | $2,267,576,600 | 467 |
| Average equity | $200,093,800 | 540 |
| Average total loans | $1,724,366,400 | 458 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0777% | 482 |
| Cost of funding earning assets | 1.2029% | 2,423 |
| Net interest margin | 4.8748% | 372 |
| Noninterest income to average assets | 0.9700% | 676 |
| Noninterest expense to average assets | 3.7894% | 425 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 1.0145% | 2,324 |
| Return on assets (ROA) | 1.0145% | 2,310 |
| Pretax return on assets | 1.3113% | 2,003 |
| Return on Equity (ROE) | 12.7600% | 1,950 |
| Retained earnings to average equity (ytd only) | 8.3948% | 1,840 |
| Net charge-offs to loans | 0.1686% | 507 |
| Credit loss provision to net charge-offs | 234.7485% | 1,022 |
| Earnings coverage of net charge-offs (x) | 13.5487% | 2,029 |
| Efficiency ratio | 70.4936% | 1,734 |
| Assets per employee ($millions) | 3.9124% | 4,202 |
| Cash dividends to net income (ytd only)* | 34.1889% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,263 |
| Loan loss allowance to noncurrent loans | 267.8999% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 1,678 |
| Noncurrent loans to loans | 0.4557% | 1,684 |
| Net loans and leases to total assets | 69.2200% | 1,917 |
| Net loans and leases to deposits | 81.8884% | 1,907 |
| Net loans and leases to core deposits | 86.6033% | 2,148 |
| Total domestic deposits to total assets | 84.5300% | 2,639 |
| Equity capital to assets | 8.0528% | 3,021 |
| Core capital (leverage) ratio | 8.4608% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4479% | 2,739 |
| Memoranda: | ||
| Average total assets | $2,467,999,500 | 475 |
| Average earning assets | $2,229,272,750 | 482 |
| Average equity | $196,275,000 | 542 |
| Average total loans | $1,713,834,250 | 462 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1311% | 384 |
| Cost of funding earning assets | 1.1635% | 2,096 |
| Net interest margin | 4.9677% | 321 |
| Noninterest income to average assets | 0.9500% | 618 |
| Noninterest expense to average assets | 3.8334% | 390 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 1.0299% | 2,319 |
| Return on assets (ROA) | 1.0299% | 2,317 |
| Pretax return on assets | 1.3271% | 1,999 |
| Return on Equity (ROE) | 13.0100% | 1,899 |
| Retained earnings to average equity (ytd only) | 8.6297% | 1,783 |
| Net charge-offs to loans | 0.1579% | 495 |
| Credit loss provision to net charge-offs | 255.2395% | 948 |
| Earnings coverage of net charge-offs (x) | 14.6924% | 1,871 |
| Efficiency ratio | 70.4734% | 1,722 |
| Assets per employee ($millions) | 3.8512% | 4,242 |
| Cash dividends to net income (ytd only)* | 33.6538% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,473 |
| Loan loss allowance to noncurrent loans | 240.9463% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 1,494 |
| Noncurrent loans to loans | 0.4959% | 1,470 |
| Net loans and leases to total assets | 69.6100% | 1,786 |
| Net loans and leases to deposits | 81.5290% | 1,869 |
| Net loans and leases to core deposits | 86.3096% | 2,047 |
| Total domestic deposits to total assets | 85.3800% | 2,432 |
| Equity capital to assets | 8.1201% | 3,140 |
| Core capital (leverage) ratio | 8.4790% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5058% | 2,765 |
| Memoranda: | ||
| Average total assets | $2,444,273,667 | 468 |
| Average earning assets | $2,208,366,333 | 472 |
| Average equity | $193,542,000 | 540 |
| Average total loans | $1,692,000,333 | 451 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0151% | 309 |
| Cost of funding earning assets | 0.9961% | 2,065 |
| Net interest margin | 5.0190% | 294 |
| Noninterest income to average assets | 0.8900% | 706 |
| Noninterest expense to average assets | 3.7939% | 412 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.0223% | 2,461 |
| Return on assets (ROA) | 1.0223% | 2,425 |
| Pretax return on assets | 1.3583% | 1,992 |
| Return on Equity (ROE) | 13.0800% | 1,967 |
| Retained earnings to average equity (ytd only) | 8.6342% | 2,044 |
| Net charge-offs to loans | 0.1466% | 465 |
| Credit loss provision to net charge-offs | 275.4098% | 721 |
| Earnings coverage of net charge-offs (x) | 16.2607% | 1,523 |
| Efficiency ratio | 69.8804% | 1,759 |
| Assets per employee ($millions) | 3.9726% | 4,265 |
| Cash dividends to net income (ytd only)* | 33.9945% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,756 |
| Loan loss allowance to noncurrent loans | 234.8458% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 1,487 |
| Noncurrent loans to loans | 0.4950% | 1,480 |
| Net loans and leases to total assets | 68.0600% | 1,830 |
| Net loans and leases to deposits | 81.8320% | 1,667 |
| Net loans and leases to core deposits | 86.1255% | 1,859 |
| Total domestic deposits to total assets | 83.1700% | 3,264 |
| Equity capital to assets | 8.0337% | 3,220 |
| Core capital (leverage) ratio | 8.4205% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4758% | 2,858 |
| Memoranda: | ||
| Average total assets | $2,426,338,500 | 482 |
| Average earning assets | $2,192,486,500 | 487 |
| Average equity | $189,618,000 | 557 |
| Average total loans | $1,664,319,000 | 463 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 356 |
| Cost of funding earning assets | 0.2352% | 3,460 |
| Net interest margin | 4.6790% | 212 |
| Noninterest income to average assets | 1.0200% | 618 |
| Noninterest expense to average assets | 3.6486% | 435 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.1396% | 2,012 |
| Return on assets (ROA) | 1.1175% | 2,032 |
| Pretax return on assets | 1.4653% | 1,554 |
| Return on Equity (ROE) | 14.3500% | 1,446 |
| Retained earnings to average equity (ytd only) | 10.2513% | 1,079 |
| Net charge-offs to loans | 0.2213% | 366 |
| Credit loss provision to net charge-offs | 101.6949% | 1,543 |
| Earnings coverage of net charge-offs (x) | 11.5168% | 2,146 |
| Efficiency ratio | 69.0175% | 1,823 |
| Assets per employee ($millions) | 3.8284% | 4,340 |
| Cash dividends to net income (ytd only)* | 28.5854% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 3,188 |
| Loan loss allowance to noncurrent loans | 216.0398% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 1,529 |
| Noncurrent loans to loans | 0.4779% | 1,504 |
| Net loans and leases to total assets | 67.6100% | 1,872 |
| Net loans and leases to deposits | 83.0890% | 1,535 |
| Net loans and leases to core deposits | 85.5203% | 1,785 |
| Total domestic deposits to total assets | 81.3700% | 3,709 |
| Equity capital to assets | 7.5858% | 3,336 |
| Core capital (leverage) ratio | 8.8225% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6485% | 2,829 |
| Memoranda: | ||
| Average total assets | $2,281,737,200 | 497 |
| Average earning assets | $2,079,784,400 | 492 |
| Average equity | $177,635,600 | 581 |
| Average total loans | $1,466,643,800 | 490 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7001% | 353 |
| Cost of funding earning assets | 0.1994% | 3,281 |
| Net interest margin | 4.5006% | 237 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 3.6665% | 416 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.9983% | 2,483 |
| Return on assets (ROA) | 0.9850% | 2,502 |
| Pretax return on assets | 1.2935% | 2,066 |
| Return on Equity (ROE) | 12.5700% | 1,847 |
| Retained earnings to average equity (ytd only) | 8.5884% | 1,795 |
| Net charge-offs to loans | 0.2362% | 290 |
| Credit loss provision to net charge-offs | 100.7507% | 1,318 |
| Earnings coverage of net charge-offs (x) | 9.7819% | 2,010 |
| Efficiency ratio | 71.5095% | 1,587 |
| Assets per employee ($millions) | 3.6744% | 4,437 |
| Cash dividends to net income (ytd only)* | 31.6682% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,101 |
| Loan loss allowance to noncurrent loans | 247.3676% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 1,742 |
| Noncurrent loans to loans | 0.4369% | 1,716 |
| Net loans and leases to total assets | 67.3400% | 1,744 |
| Net loans and leases to deposits | 78.5017% | 1,673 |
| Net loans and leases to core deposits | 80.4197% | 1,871 |
| Total domestic deposits to total assets | 85.7900% | 3,115 |
| Equity capital to assets | 7.6273% | 3,135 |
| Core capital (leverage) ratio | 8.6919% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9913% | 2,816 |
| Memoranda: | ||
| Average total assets | $2,259,728,000 | 497 |
| Average earning assets | $2,066,705,250 | 495 |
| Average equity | $177,102,750 | 590 |
| Average total loans | $1,428,560,500 | 494 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 434 |
| Cost of funding earning assets | 0.2090% | 2,800 |
| Net interest margin | 4.1956% | 338 |
| Noninterest income to average assets | 0.9967% | 676 |
| Noninterest expense to average assets | 3.6223% | 387 |
| Loan and lease loss provision to assets | 0.1595% | 586 |
| Net operating income to assets | 0.8097% | 2,918 |
| Return on assets (ROA) | 0.8097% | 2,888 |
| Pretax return on assets | 1.0692% | 2,518 |
| Return on Equity (ROE) | 10.2388% | 2,245 |
| Retained earnings to average equity (ytd only) | 6.4483% | 2,188 |
| Net charge-offs to loans | 0.3304% | 210 |
| Credit loss provision to net charge-offs | 78.3631% | 1,390 |
| Earnings coverage of net charge-offs (x) | 6.0370% | 1,915 |
| Efficiency ratio | 74.6721% | 1,429 |
| Assets per employee ($millions) | 3.7149% | 4,486 |
| Cash dividends to net income (ytd only)* | 37.0212% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,174 |
| Loan loss allowance to noncurrent loans | 565.7333% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 2,802 |
| Noncurrent loans to loans | 0.1940% | 2,736 |
| Net loans and leases to total assets | 64.1616% | 1,894 |
| Net loans and leases to deposits | 74.3431% | 1,833 |
| Net loans and leases to core deposits | 75.9580% | 2,020 |
| Total domestic deposits to total assets | 86.3047% | 3,170 |
| Equity capital to assets | 7.5900% | 3,413 |
| Core capital (leverage) ratio | 8.4025% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4923% | 2,679 |
| Memoranda: | ||
| Average total assets | $2,257,265,667 | 496 |
| Average earning assets | $2,073,667,333 | 498 |
| Average equity | $178,497,000 | 593 |
| Average total loans | $1,390,270,333 | 497 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 539 |
| Cost of funding earning assets | 0.2275% | 2,436 |
| Net interest margin | 3.9563% | 447 |
| Noninterest income to average assets | 0.9932% | 686 |
| Noninterest expense to average assets | 3.6684% | 358 |
| Loan and lease loss provision to assets | 0.1866% | 404 |
| Net operating income to assets | 0.5892% | 3,426 |
| Return on assets (ROA) | 0.5892% | 3,409 |
| Pretax return on assets | 0.7874% | 3,146 |
| Return on Equity (ROE) | 7.3037% | 2,941 |
| Retained earnings to average equity (ytd only) | 3.6320% | 3,061 |
| Net charge-offs to loans | 0.0937% | 550 |
| Credit loss provision to net charge-offs | 332.2785% | 637 |
| Earnings coverage of net charge-offs (x) | 17.3449% | 1,324 |
| Efficiency ratio | 79.0201% | 1,227 |
| Assets per employee ($millions) | 3.8713% | 4,447 |
| Cash dividends to net income (ytd only)* | 50.2714% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 2,490 |
| Loan loss allowance to noncurrent loans | 257.3838% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3019% | 1,910 |
| Noncurrent loans to loans | 0.4940% | 1,790 |
| Net loans and leases to total assets | 59.4339% | 2,126 |
| Net loans and leases to deposits | 68.7734% | 2,072 |
| Net loans and leases to core deposits | 70.8929% | 2,219 |
| Total domestic deposits to total assets | 86.4200% | 3,130 |
| Equity capital to assets | 7.8088% | 3,723 |
| Core capital (leverage) ratio | 8.3742% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4103% | 2,440 |
| Memoranda: | ||
| Average total assets | $2,250,997,500 | 499 |
| Average earning assets | $2,076,297,000 | 500 |
| Average equity | $181,606,000 | 598 |
| Average total loans | $1,349,153,500 | 509 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 577 |
| Cost of funding earning assets | 0.3560% | 1,884 |
| Net interest margin | 4.1711% | 515 |
| Noninterest income to average assets | 1.0763% | 889 |
| Noninterest expense to average assets | 3.7244% | 382 |
| Loan and lease loss provision to assets | 0.0446% | 2,166 |
| Net operating income to assets | 0.9168% | 2,982 |
| Return on assets (ROA) | 0.9217% | 3,030 |
| Pretax return on assets | 1.1446% | 2,834 |
| Return on Equity (ROE) | 10.9599% | 2,179 |
| Retained earnings to average equity (ytd only) | 8.1672% | 1,471 |
| Net charge-offs to loans | 0.1462% | 649 |
| Credit loss provision to net charge-offs | 49.7122% | 2,143 |
| Earnings coverage of net charge-offs (x) | 13.1910% | 2,085 |
| Efficiency ratio | 75.8909% | 1,118 |
| Assets per employee ($millions) | 3.8111% | 4,492 |
| Cash dividends to net income (ytd only)* | 25.4812% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 2,614 |
| Loan loss allowance to noncurrent loans | 132.5800% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 1,085 |
| Noncurrent loans to loans | 0.9446% | 1,074 |
| Net loans and leases to total assets | 58.9199% | 2,279 |
| Net loans and leases to deposits | 68.4677% | 2,264 |
| Net loans and leases to core deposits | 70.8147% | 2,373 |
| Total domestic deposits to total assets | 86.0550% | 2,881 |
| Equity capital to assets | 8.3318% | 4,159 |
| Core capital (leverage) ratio | 8.2932% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5208% | 2,442 |
| Memoranda: | ||
| Average total assets | $2,130,528,000 | 500 |
| Average earning assets | $1,956,944,800 | 507 |
| Average equity | $179,180,800 | 607 |
| Average total loans | $1,307,016,800 | 519 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 562 |
| Cost of funding earning assets | 0.3761% | 1,888 |
| Net interest margin | 4.2287% | 513 |
| Noninterest income to average assets | 1.0897% | 934 |
| Noninterest expense to average assets | 3.7306% | 362 |
| Loan and lease loss provision to assets | 0.0602% | 1,790 |
| Net operating income to assets | 0.9460% | 3,097 |
| Return on assets (ROA) | 0.9460% | 3,179 |
| Pretax return on assets | 1.1777% | 2,997 |
| Return on Equity (ROE) | 11.2207% | 2,300 |
| Retained earnings to average equity (ytd only) | 7.4627% | 2,243 |
| Net charge-offs to loans | 0.1860% | 455 |
| Credit loss provision to net charge-offs | 52.3416% | 1,846 |
| Earnings coverage of net charge-offs (x) | 10.7713% | 2,026 |
| Efficiency ratio | 75.0860% | 1,117 |
| Assets per employee ($millions) | 3.8791% | 4,512 |
| Cash dividends to net income (ytd only)* | 33.4917% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,548 |
| Loan loss allowance to noncurrent loans | 126.6037% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 1,167 |
| Noncurrent loans to loans | 1.0179% | 1,126 |
| Net loans and leases to total assets | 58.5597% | 2,419 |
| Net loans and leases to deposits | 68.1937% | 2,420 |
| Net loans and leases to core deposits | 70.8490% | 2,526 |
| Total domestic deposits to total assets | 85.8726% | 2,794 |
| Equity capital to assets | 8.3161% | 4,328 |
| Core capital (leverage) ratio | 8.4074% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7592% | 2,447 |
| Memoranda: | ||
| Average total assets | $2,105,779,500 | 510 |
| Average earning assets | $1,931,500,500 | 515 |
| Average equity | $177,536,000 | 618 |
| Average total loans | $1,301,197,750 | 530 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6395% | 587 |
| Cost of funding earning assets | 0.3914% | 1,959 |
| Net interest margin | 4.2481% | 537 |
| Noninterest income to average assets | 1.0718% | 958 |
| Noninterest expense to average assets | 3.7005% | 367 |
| Loan and lease loss provision to assets | 0.0915% | 1,371 |
| Net operating income to assets | 0.9532% | 3,056 |
| Return on assets (ROA) | 0.9532% | 3,139 |
| Pretax return on assets | 1.1710% | 2,991 |
| Return on Equity (ROE) | 11.2525% | 2,318 |
| Retained earnings to average equity (ytd only) | 7.4573% | 2,270 |
| Net charge-offs to loans | 0.1403% | 573 |
| Credit loss provision to net charge-offs | 104.0526% | 1,338 |
| Earnings coverage of net charge-offs (x) | 14.3614% | 1,666 |
| Efficiency ratio | 74.5615% | 1,199 |
| Assets per employee ($millions) | 3.6459% | 4,619 |
| Cash dividends to net income (ytd only)* | 33.7273% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 2,125 |
| Loan loss allowance to noncurrent loans | 92.8981% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.9440% | 812 |
| Noncurrent loans to loans | 1.4695% | 777 |
| Net loans and leases to total assets | 60.3367% | 2,388 |
| Net loans and leases to deposits | 70.6535% | 2,340 |
| Net loans and leases to core deposits | 74.2388% | 2,385 |
| Total domestic deposits to total assets | 85.3980% | 2,942 |
| Equity capital to assets | 8.4577% | 4,236 |
| Core capital (leverage) ratio | 8.4561% | 4,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9674% | 2,378 |
| Memoranda: | ||
| Average total assets | $2,077,144,333 | 513 |
| Average earning assets | $1,902,626,333 | 516 |
| Average equity | $175,960,667 | 619 |
| Average total loans | $1,301,530,000 | 535 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 597 |
| Cost of funding earning assets | 0.4095% | 2,014 |
| Net interest margin | 4.2537% | 556 |
| Noninterest income to average assets | 1.0455% | 1,064 |
| Noninterest expense to average assets | 3.6533% | 389 |
| Loan and lease loss provision to assets | 0.1846% | 663 |
| Net operating income to assets | 0.9024% | 3,117 |
| Return on assets (ROA) | 0.9024% | 3,198 |
| Pretax return on assets | 1.0956% | 3,124 |
| Return on Equity (ROE) | 10.6442% | 2,481 |
| Retained earnings to average equity (ytd only) | 6.8211% | 2,635 |
| Net charge-offs to loans | 0.1697% | 476 |
| Credit loss provision to net charge-offs | 171.4801% | 940 |
| Earnings coverage of net charge-offs (x) | 11.8917% | 1,435 |
| Efficiency ratio | 74.0507% | 1,307 |
| Assets per employee ($millions) | 3.6903% | 4,626 |
| Cash dividends to net income (ytd only)* | 35.9173% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,109 |
| Loan loss allowance to noncurrent loans | 84.5003% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.0672% | 762 |
| Noncurrent loans to loans | 1.6195% | 752 |
| Net loans and leases to total assets | 61.8464% | 2,304 |
| Net loans and leases to deposits | 72.2172% | 2,290 |
| Net loans and leases to core deposits | 76.2510% | 2,327 |
| Total domestic deposits to total assets | 85.6395% | 2,877 |
| Equity capital to assets | 8.3340% | 4,248 |
| Core capital (leverage) ratio | 8.5582% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9376% | 2,312 |
| Memoranda: | ||
| Average total assets | $2,058,418,500 | 505 |
| Average earning assets | $1,881,461,500 | 513 |
| Average equity | $174,517,500 | 615 |
| Average total loans | $1,305,526,500 | 535 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 266 |
| Cost of funding earning assets | 0.6200% | 2,182 |
| Net interest margin | 4.6753% | 227 |
| Noninterest income to average assets | 1.2132% | 762 |
| Noninterest expense to average assets | 3.9139% | 411 |
| Loan and lease loss provision to assets | 0.3862% | 833 |
| Net operating income to assets | 0.9550% | 2,456 |
| Return on assets (ROA) | 0.9552% | 2,606 |
| Pretax return on assets | 1.1483% | 2,522 |
| Return on Equity (ROE) | 10.4854% | 1,813 |
| Retained earnings to average equity (ytd only) | 6.5881% | 1,551 |
| Net charge-offs to loans | 0.2581% | 672 |
| Credit loss provision to net charge-offs | 215.4399% | 2,088 |
| Earnings coverage of net charge-offs (x) | 8.5589% | 2,592 |
| Efficiency ratio | 71.8379% | 1,699 |
| Assets per employee ($millions) | 3.5637% | 4,625 |
| Cash dividends to net income (ytd only)* | 37.1687% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 2,140 |
| Loan loss allowance to noncurrent loans | 82.5069% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.0706% | 864 |
| Noncurrent loans to loans | 1.6500% | 792 |
| Net loans and leases to total assets | 63.2989% | 2,452 |
| Net loans and leases to deposits | 74.1673% | 2,468 |
| Net loans and leases to core deposits | 78.6205% | 2,494 |
| Total domestic deposits to total assets | 85.3461% | 2,636 |
| Equity capital to assets | 8.6284% | 4,350 |
| Core capital (leverage) ratio | 8.7558% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4618% | 2,063 |
| Memoranda: | ||
| Average total assets | $1,864,268,600 | 508 |
| Average earning assets | $1,688,679,400 | 515 |
| Average equity | $169,836,800 | 601 |
| Average total loans | $1,294,766,000 | 514 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3431% | 317 |
| Cost of funding earning assets | 0.6686% | 2,209 |
| Net interest margin | 4.6744% | 273 |
| Noninterest income to average assets | 1.2369% | 718 |
| Noninterest expense to average assets | 3.9472% | 398 |
| Loan and lease loss provision to assets | 0.4214% | 800 |
| Net operating income to assets | 0.9258% | 2,610 |
| Return on assets (ROA) | 0.9260% | 2,741 |
| Pretax return on assets | 1.0896% | 2,782 |
| Return on Equity (ROE) | 9.9991% | 2,021 |
| Retained earnings to average equity (ytd only) | 6.0184% | 2,101 |
| Net charge-offs to loans | 0.2607% | 588 |
| Credit loss provision to net charge-offs | 228.0806% | 2,002 |
| Earnings coverage of net charge-offs (x) | 8.1765% | 2,520 |
| Efficiency ratio | 72.3200% | 1,607 |
| Assets per employee ($millions) | 3.4134% | 4,699 |
| Cash dividends to net income (ytd only)* | 39.8109% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 2,344 |
| Loan loss allowance to noncurrent loans | 79.7608% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.1147% | 937 |
| Noncurrent loans to loans | 1.5823% | 895 |
| Net loans and leases to total assets | 69.2282% | 2,069 |
| Net loans and leases to deposits | 82.0074% | 2,099 |
| Net loans and leases to core deposits | 87.4300% | 2,198 |
| Total domestic deposits to total assets | 84.4170% | 2,670 |
| Equity capital to assets | 9.0329% | 4,095 |
| Core capital (leverage) ratio | 8.7225% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0016% | 2,199 |
| Memoranda: | ||
| Average total assets | $1,827,122,250 | 511 |
| Average earning assets | $1,649,895,750 | 520 |
| Average equity | $169,210,250 | 592 |
| Average total loans | $1,294,862,750 | 506 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 355 |
| Cost of funding earning assets | 0.7249% | 2,267 |
| Net interest margin | 4.7480% | 308 |
| Noninterest income to average assets | 0.9863% | 1,012 |
| Noninterest expense to average assets | 3.9700% | 420 |
| Loan and lease loss provision to assets | 0.4845% | 758 |
| Net operating income to assets | 0.6681% | 3,514 |
| Return on assets (ROA) | 0.6684% | 3,602 |
| Pretax return on assets | 0.8165% | 3,542 |
| Return on Equity (ROE) | 7.1547% | 3,072 |
| Retained earnings to average equity (ytd only) | 5.0277% | 2,464 |
| Net charge-offs to loans | 0.2604% | 605 |
| Credit loss provision to net charge-offs | 261.5755% | 1,721 |
| Earnings coverage of net charge-offs (x) | 7.0210% | 2,400 |
| Efficiency ratio | 75.3244% | 1,330 |
| Assets per employee ($millions) | 3.2555% | 4,766 |
| Cash dividends to net income (ytd only)* | 29.7284% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 2,248 |
| Loan loss allowance to noncurrent loans | 86.7479% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.0187% | 1,176 |
| Noncurrent loans to loans | 1.4435% | 1,060 |
| Net loans and leases to total assets | 67.7685% | 2,398 |
| Net loans and leases to deposits | 80.9413% | 2,320 |
| Net loans and leases to core deposits | 86.5261% | 2,390 |
| Total domestic deposits to total assets | 83.7255% | 2,839 |
| Equity capital to assets | 8.8852% | 4,182 |
| Core capital (leverage) ratio | 8.7549% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8991% | 2,222 |
| Memoranda: | ||
| Average total assets | $1,795,577,333 | 512 |
| Average earning assets | $1,620,184,333 | 518 |
| Average equity | $167,750,333 | 598 |
| Average total loans | $1,277,349,333 | 505 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8987% | 186 |
| Cost of funding earning assets | 0.8240% | 2,252 |
| Net interest margin | 5.0747% | 169 |
| Noninterest income to average assets | 1.0722% | 736 |
| Noninterest expense to average assets | 4.2844% | 376 |
| Loan and lease loss provision to assets | 0.3283% | 943 |
| Net operating income to assets | 0.8305% | 2,797 |
| Return on assets (ROA) | 0.8312% | 2,877 |
| Pretax return on assets | 1.0317% | 2,731 |
| Return on Equity (ROE) | 8.6635% | 2,252 |
| Retained earnings to average equity (ytd only) | 4.3798% | 2,542 |
| Net charge-offs to loans | 0.2478% | 586 |
| Credit loss provision to net charge-offs | 182.6923% | 1,467 |
| Earnings coverage of net charge-offs (x) | 7.5628% | 1,913 |
| Efficiency ratio | 75.9185% | 1,569 |
| Assets per employee ($millions) | 2.7975% | 4,868 |
| Cash dividends to net income (ytd only)* | 49.4457% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 2,983 |
| Loan loss allowance to noncurrent loans | 92.5013% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 1,414 |
| Noncurrent loans to loans | 1.2335% | 1,322 |
| Net loans and leases to total assets | 71.8589% | 1,940 |
| Net loans and leases to deposits | 87.2133% | 1,836 |
| Net loans and leases to core deposits | 94.2677% | 1,946 |
| Total domestic deposits to total assets | 82.3944% | 3,300 |
| Equity capital to assets | 9.6417% | 4,088 |
| Core capital (leverage) ratio | 9.3010% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0283% | 2,682 |
| Memoranda: | ||
| Average total assets | $1,736,242,500 | 514 |
| Average earning assets | $1,564,004,500 | 519 |
| Average equity | $166,583,000 | 594 |
| Average total loans | $1,259,171,000 | 491 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5934% | 99 |
| Cost of funding earning assets | 0.8873% | 2,245 |
| Net interest margin | 5.7062% | 85 |
| Noninterest income to average assets | 1.1196% | 754 |
| Noninterest expense to average assets | 4.2301% | 412 |
| Loan and lease loss provision to assets | 0.4111% | 342 |
| Net operating income to assets | 1.2712% | 1,798 |
| Return on assets (ROA) | 1.3110% | 1,727 |
| Pretax return on assets | 1.6662% | 1,281 |
| Return on Equity (ROE) | 13.5182% | 1,004 |
| Retained earnings to average equity (ytd only) | 9.0105% | 705 |
| Net charge-offs to loans | 0.5662% | 325 |
| Credit loss provision to net charge-offs | 95.2775% | 2,586 |
| Earnings coverage of net charge-offs (x) | 4.6976% | 3,184 |
| Efficiency ratio | 67.6043% | 2,515 |
| Assets per employee ($millions) | 2.8493% | 4,885 |
| Cash dividends to net income (ytd only)* | 33.3455% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 2,974 |
| Loan loss allowance to noncurrent loans | 84.4408% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 1,261 |
| Noncurrent loans to loans | 1.2981% | 1,163 |
| Net loans and leases to total assets | 71.5640% | 2,157 |
| Net loans and leases to deposits | 86.7462% | 2,004 |
| Net loans and leases to core deposits | 93.7508% | 2,088 |
| Total domestic deposits to total assets | 82.4980% | 3,362 |
| Equity capital to assets | 9.5471% | 4,313 |
| Core capital (leverage) ratio | 9.2353% | 4,335 |
| Tier 1 risk-based capital ratio | 11.8803% | 4,434 |
| Total risk-based capital ratio | 12.9206% | 4,429 |
| Memoranda: | ||
| Average total assets | $1,678,319,800 | 504 |
| Average earning assets | $1,511,066,000 | 509 |
| Average equity | $162,766,200 | 572 |
| Average total loans | $1,279,062,400 | 472 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6931% | 91 |
| Cost of funding earning assets | 0.8839% | 2,300 |
| Net interest margin | 5.8093% | 77 |
| Noninterest income to average assets | 1.1216% | 719 |
| Noninterest expense to average assets | 4.1534% | 442 |
| Loan and lease loss provision to assets | 0.4146% | 319 |
| Net operating income to assets | 1.3995% | 1,470 |
| Return on assets (ROA) | 1.4506% | 1,386 |
| Pretax return on assets | 1.8443% | 988 |
| Return on Equity (ROE) | 14.8970% | 796 |
| Retained earnings to average equity (ytd only) | 10.3666% | 662 |
| Net charge-offs to loans | 0.6615% | 243 |
| Credit loss provision to net charge-offs | 81.1765% | 2,486 |
| Earnings coverage of net charge-offs (x) | 4.2958% | 3,022 |
| Efficiency ratio | 65.4322% | 2,800 |
| Assets per employee ($millions) | 2.9024% | 4,936 |
| Cash dividends to net income (ytd only)* | 30.4115% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,592 |
| Loan loss allowance to noncurrent loans | 87.8309% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9136% | 1,485 |
| Noncurrent loans to loans | 1.1338% | 1,400 |
| Net loans and leases to total assets | 75.1791% | 1,624 |
| Net loans and leases to deposits | 91.0580% | 1,558 |
| Net loans and leases to core deposits | 98.3090% | 1,800 |
| Total domestic deposits to total assets | 82.5617% | 3,295 |
| Equity capital to assets | 9.9242% | 4,098 |
| Core capital (leverage) ratio | 9.3635% | 4,311 |
| Tier 1 risk-based capital ratio | 11.3818% | 4,730 |
| Total risk-based capital ratio | 12.3250% | 4,768 |
| Memoranda: | ||
| Average total assets | $1,664,091,250 | 513 |
| Average earning assets | $1,496,996,500 | 516 |
| Average equity | $162,041,500 | 574 |
| Average total loans | $1,284,936,750 | 471 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6606% | 99 |
| Cost of funding earning assets | 0.8568% | 2,370 |
| Net interest margin | 5.8038% | 79 |
| Noninterest income to average assets | 1.0570% | 772 |
| Noninterest expense to average assets | 4.2204% | 398 |
| Loan and lease loss provision to assets | 0.4182% | 290 |
| Net operating income to assets | 1.2980% | 1,777 |
| Return on assets (ROA) | 1.3496% | 1,643 |
| Pretax return on assets | 1.7107% | 1,251 |
| Return on Equity (ROE) | 13.9524% | 991 |
| Retained earnings to average equity (ytd only) | 9.3471% | 948 |
| Net charge-offs to loans | 0.1650% | 969 |
| Credit loss provision to net charge-offs | 326.3955% | 846 |
| Earnings coverage of net charge-offs (x) | 16.1060% | 1,949 |
| Efficiency ratio | 67.1611% | 2,663 |
| Assets per employee ($millions) | 2.9070% | 4,962 |
| Cash dividends to net income (ytd only)* | 33.0070% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,174 |
| Loan loss allowance to noncurrent loans | 112.8840% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 1,481 |
| Noncurrent loans to loans | 1.1192% | 1,457 |
| Net loans and leases to total assets | 77.1368% | 1,370 |
| Net loans and leases to deposits | 93.0364% | 1,370 |
| Net loans and leases to core deposits | 100.2073% | 1,703 |
| Total domestic deposits to total assets | 82.9104% | 3,234 |
| Equity capital to assets | 9.8125% | 4,127 |
| Core capital (leverage) ratio | 9.1621% | 4,499 |
| Tier 1 risk-based capital ratio | 10.9880% | 4,911 |
| Total risk-based capital ratio | 12.1919% | 4,851 |
| Memoranda: | ||
| Average total assets | $1,649,922,000 | 516 |
| Average earning assets | $1,485,961,670 | 517 |
| Average equity | $159,599,670 | 578 |
| Average total loans | $1,281,279,000 | 469 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6584% | 100 |
| Cost of funding earning assets | 0.8195% | 2,425 |
| Net interest margin | 5.8390% | 80 |
| Noninterest income to average assets | 1.0276% | 754 |
| Noninterest expense to average assets | 4.2120% | 396 |
| Loan and lease loss provision to assets | 0.4210% | 273 |
| Net operating income to assets | 1.2906% | 1,728 |
| Return on assets (ROA) | 1.3471% | 1,572 |
| Pretax return on assets | 1.7156% | 1,172 |
| Return on Equity (ROE) | 14.0288% | 964 |
| Retained earnings to average equity (ytd only) | 9.3678% | 1,201 |
| Net charge-offs to loans | 0.1516% | 870 |
| Credit loss provision to net charge-offs | 358.6279% | 747 |
| Earnings coverage of net charge-offs (x) | 17.5925% | 1,651 |
| Efficiency ratio | 67.1021% | 2,780 |
| Assets per employee ($millions) | 2.9956% | 4,979 |
| Cash dividends to net income (ytd only)* | 33.2246% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,579 |
| Loan loss allowance to noncurrent loans | 152.9394% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.6947% | 2,020 |
| Noncurrent loans to loans | 0.7842% | 2,074 |
| Net loans and leases to total assets | 75.2400% | 1,606 |
| Net loans and leases to deposits | 90.5695% | 1,558 |
| Net loans and leases to core deposits | 96.4629% | 1,894 |
| Total domestic deposits to total assets | 83.0743% | 3,356 |
| Equity capital to assets | 9.4863% | 4,272 |
| Core capital (leverage) ratio | 9.0980% | 4,577 |
| Tier 1 risk-based capital ratio | 10.8922% | 5,023 |
| Total risk-based capital ratio | 12.0376% | 4,973 |
| Memoranda: | ||
| Average total assets | $1,639,124,000 | 520 |
| Average earning assets | $1,473,617,500 | 523 |
| Average equity | $157,390,500 | 582 |
| Average total loans | $1,268,991,500 | 472 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4117% | 96 |
| Cost of funding earning assets | 0.6276% | 2,540 |
| Net interest margin | 5.7841% | 82 |
| Noninterest income to average assets | 1.0955% | 773 |
| Noninterest expense to average assets | 4.2546% | 382 |
| Loan and lease loss provision to assets | 0.3892% | 359 |
| Net operating income to assets | 1.3373% | 1,662 |
| Return on assets (ROA) | 1.3375% | 1,649 |
| Pretax return on assets | 1.6326% | 1,369 |
| Return on Equity (ROE) | 14.0665% | 1,029 |
| Retained earnings to average equity (ytd only) | 9.4190% | 753 |
| Net charge-offs to loans | 0.3230% | 600 |
| Credit loss provision to net charge-offs | 150.0000% | 1,832 |
| Earnings coverage of net charge-offs (x) | 7.7910% | 2,955 |
| Efficiency ratio | 67.7592% | 2,589 |
| Assets per employee ($millions) | 2.8736% | 5,062 |
| Cash dividends to net income (ytd only)* | 33.0391% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 2,976 |
| Loan loss allowance to noncurrent loans | 115.5390% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8737% | 1,592 |
| Noncurrent loans to loans | 0.9703% | 1,671 |
| Net loans and leases to total assets | 77.8672% | 1,288 |
| Net loans and leases to deposits | 92.2788% | 1,510 |
| Net loans and leases to core deposits | 98.2811% | 1,849 |
| Total domestic deposits to total assets | 84.3825% | 2,876 |
| Equity capital to assets | 9.7240% | 3,934 |
| Core capital (leverage) ratio | 9.0396% | 4,615 |
| Tier 1 risk-based capital ratio | 10.7416% | 5,099 |
| Total risk-based capital ratio | 11.7946% | 5,059 |
| Memoranda: | ||
| Average total assets | $1,541,530,000 | 532 |
| Average earning assets | $1,380,736,000 | 532 |
| Average equity | $146,575,600 | 591 |
| Average total loans | $1,238,547,200 | 470 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2742% | 110 |
| Cost of funding earning assets | 0.5766% | 2,659 |
| Net interest margin | 5.6976% | 89 |
| Noninterest income to average assets | 1.0946% | 785 |
| Noninterest expense to average assets | 4.2159% | 390 |
| Loan and lease loss provision to assets | 0.3797% | 340 |
| Net operating income to assets | 1.2668% | 1,974 |
| Return on assets (ROA) | 1.2668% | 1,981 |
| Pretax return on assets | 1.6060% | 1,561 |
| Return on Equity (ROE) | 13.4023% | 1,299 |
| Retained earnings to average equity (ytd only) | 8.7240% | 1,332 |
| Net charge-offs to loans | 0.3620% | 449 |
| Credit loss provision to net charge-offs | 129.8895% | 1,896 |
| Earnings coverage of net charge-offs (x) | 6.7928% | 2,850 |
| Efficiency ratio | 67.9470% | 2,549 |
| Assets per employee ($millions) | 2.9275% | 5,087 |
| Cash dividends to net income (ytd only)* | 34.9067% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,545 |
| Loan loss allowance to noncurrent loans | 127.2401% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8194% | 1,808 |
| Noncurrent loans to loans | 0.8161% | 2,072 |
| Net loans and leases to total assets | 79.1671% | 1,138 |
| Net loans and leases to deposits | 95.8904% | 1,171 |
| Net loans and leases to core deposits | 102.0897% | 1,608 |
| Total domestic deposits to total assets | 82.5600% | 3,447 |
| Equity capital to assets | 9.4458% | 4,134 |
| Core capital (leverage) ratio | 9.0273% | 4,678 |
| Tier 1 risk-based capital ratio | 10.4822% | 5,245 |
| Total risk-based capital ratio | 11.4781% | 5,251 |
| Memoranda: | ||
| Average total assets | $1,527,486,500 | 530 |
| Average earning assets | $1,369,150,500 | 536 |
| Average equity | $144,379,500 | 593 |
| Average total loans | $1,233,636,000 | 468 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1730% | 117 |
| Cost of funding earning assets | 0.5224% | 2,813 |
| Net interest margin | 5.6506% | 95 |
| Noninterest income to average assets | 1.1027% | 792 |
| Noninterest expense to average assets | 4.2573% | 382 |
| Loan and lease loss provision to assets | 0.3575% | 359 |
| Net operating income to assets | 1.2323% | 2,050 |
| Return on assets (ROA) | 1.2323% | 2,047 |
| Pretax return on assets | 1.5516% | 1,654 |
| Return on Equity (ROE) | 13.0343% | 1,359 |
| Retained earnings to average equity (ytd only) | 8.3852% | 1,456 |
| Net charge-offs to loans | 0.2946% | 542 |
| Credit loss provision to net charge-offs | 149.7504% | 1,582 |
| Earnings coverage of net charge-offs (x) | 7.9978% | 2,510 |
| Efficiency ratio | 69.0062% | 2,486 |
| Assets per employee ($millions) | 2.9148% | 5,151 |
| Cash dividends to net income (ytd only)* | 35.6682% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,624 |
| Loan loss allowance to noncurrent loans | 93.0842% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0404% | 1,442 |
| Noncurrent loans to loans | 1.1115% | 1,584 |
| Net loans and leases to total assets | 80.8087% | 882 |
| Net loans and leases to deposits | 98.1310% | 959 |
| Net loans and leases to core deposits | 106.1452% | 1,232 |
| Total domestic deposits to total assets | 82.3478% | 3,616 |
| Equity capital to assets | 9.4741% | 4,132 |
| Core capital (leverage) ratio | 9.1046% | 4,583 |
| Tier 1 risk-based capital ratio | 10.2238% | 5,363 |
| Total risk-based capital ratio | 11.2183% | 5,384 |
| Memoranda: | ||
| Average total assets | $1,510,677,000 | 536 |
| Average earning assets | $1,353,771,330 | 541 |
| Average equity | $142,823,670 | 596 |
| Average total loans | $1,224,082,670 | 470 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0908% | 120 |
| Cost of funding earning assets | 0.5072% | 2,739 |
| Net interest margin | 5.5836% | 98 |
| Noninterest income to average assets | 1.0919% | 775 |
| Noninterest expense to average assets | 4.2424% | 381 |
| Loan and lease loss provision to assets | 0.3608% | 332 |
| Net operating income to assets | 1.1787% | 2,103 |
| Return on assets (ROA) | 1.1787% | 2,111 |
| Pretax return on assets | 1.4877% | 1,709 |
| Return on Equity (ROE) | 12.4812% | 1,419 |
| Retained earnings to average equity (ytd only) | 7.7803% | 1,926 |
| Net charge-offs to loans | 0.4024% | 388 |
| Credit loss provision to net charge-offs | 111.1111% | 1,444 |
| Earnings coverage of net charge-offs (x) | 5.6922% | 2,212 |
| Efficiency ratio | 69.6156% | 2,547 |
| Assets per employee ($millions) | 2.8899% | 5,222 |
| Cash dividends to net income (ytd only)* | 37.6644% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 3,907 |
| Loan loss allowance to noncurrent loans | 89.4091% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 1,451 |
| Noncurrent loans to loans | 1.1270% | 1,626 |
| Net loans and leases to total assets | 80.0223% | 931 |
| Net loans and leases to deposits | 94.9229% | 1,141 |
| Net loans and leases to core deposits | 103.0418% | 1,450 |
| Total domestic deposits to total assets | 84.3024% | 3,194 |
| Equity capital to assets | 9.4822% | 4,108 |
| Core capital (leverage) ratio | 9.1502% | 4,504 |
| Tier 1 risk-based capital ratio | 10.4725% | 5,357 |
| Total risk-based capital ratio | 11.4374% | 5,383 |
| Memoranda: | ||
| Average total assets | $1,496,516,000 | 542 |
| Average earning assets | $1,339,860,000 | 553 |
| Average equity | $141,332,000 | 609 |
| Average total loans | $1,207,800,500 | 476 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0487% | 125 |
| Cost of funding earning assets | 0.4467% | 2,808 |
| Net interest margin | 5.6020% | 92 |
| Noninterest income to average assets | 1.1436% | 777 |
| Noninterest expense to average assets | 4.2945% | 379 |
| Loan and lease loss provision to assets | 0.3300% | 506 |
| Net operating income to assets | 0.8991% | 2,715 |
| Return on assets (ROA) | 0.8991% | 2,746 |
| Pretax return on assets | 1.4964% | 1,657 |
| Return on Equity (ROE) | 9.1119% | 2,260 |
| Retained earnings to average equity (ytd only) | 6.3804% | 1,338 |
| Net charge-offs to loans | 0.3029% | 859 |
| Credit loss provision to net charge-offs | 133.2180% | 1,985 |
| Earnings coverage of net charge-offs (x) | 7.3725% | 3,054 |
| Efficiency ratio | 70.0908% | 2,532 |
| Assets per employee ($millions) | 2.8279% | 5,303 |
| Cash dividends to net income (ytd only)* | 29.9778% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,885 |
| Loan loss allowance to noncurrent loans | 84.2380% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.1470% | 1,301 |
| Noncurrent loans to loans | 1.1967% | 1,486 |
| Net loans and leases to total assets | 79.7647% | 992 |
| Net loans and leases to deposits | 94.3259% | 1,239 |
| Net loans and leases to core deposits | 102.5364% | 1,519 |
| Total domestic deposits to total assets | 84.5629% | 3,012 |
| Equity capital to assets | 9.4056% | 4,319 |
| Core capital (leverage) ratio | 9.0511% | 4,585 |
| Tier 1 risk-based capital ratio | 10.2138% | 5,474 |
| Total risk-based capital ratio | 11.1700% | 5,508 |
| Memoranda: | ||
| Average total assets | $1,399,869,600 | 551 |
| Average earning assets | $1,243,779,200 | 565 |
| Average equity | $138,127,000 | 593 |
| Average total loans | $1,144,833,000 | 478 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9936% | 134 |
| Cost of funding earning assets | 0.4256% | 2,920 |
| Net interest margin | 5.5680% | 94 |
| Noninterest income to average assets | 1.1698% | 747 |
| Noninterest expense to average assets | 4.2881% | 379 |
| Loan and lease loss provision to assets | 0.3354% | 448 |
| Net operating income to assets | 1.0134% | 2,503 |
| Return on assets (ROA) | 1.0134% | 2,540 |
| Pretax return on assets | 1.4859% | 1,819 |
| Return on Equity (ROE) | 10.1420% | 2,065 |
| Retained earnings to average equity (ytd only) | 8.5327% | 997 |
| Net charge-offs to loans | 0.1838% | 1,149 |
| Credit loss provision to net charge-offs | 222.2579% | 1,245 |
| Earnings coverage of net charge-offs (x) | 12.0680% | 2,453 |
| Efficiency ratio | 70.1136% | 2,518 |
| Assets per employee ($millions) | 2.7331% | 5,420 |
| Cash dividends to net income (ytd only)* | 15.8674% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,667 |
| Loan loss allowance to noncurrent loans | 110.3416% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 1,638 |
| Noncurrent loans to loans | 0.9700% | 1,985 |
| Net loans and leases to total assets | 83.6183% | 476 |
| Net loans and leases to deposits | 99.9449% | 752 |
| Net loans and leases to core deposits | 108.9071% | 1,098 |
| Total domestic deposits to total assets | 83.6644% | 3,240 |
| Equity capital to assets | 10.0005% | 3,911 |
| Core capital (leverage) ratio | 9.3351% | 4,364 |
| Tier 1 risk-based capital ratio | 10.1892% | 5,554 |
| Total risk-based capital ratio | 11.2116% | 5,571 |
| Memoranda: | ||
| Average total assets | $1,377,267,250 | 556 |
| Average earning assets | $1,221,829,750 | 575 |
| Average equity | $137,616,250 | 596 |
| Average total loans | $1,130,835,750 | 482 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8685% | 147 |
| Cost of funding earning assets | 0.3995% | 3,078 |
| Net interest margin | 5.4690% | 105 |
| Noninterest income to average assets | 1.1788% | 728 |
| Noninterest expense to average assets | 4.3080% | 369 |
| Loan and lease loss provision to assets | 0.3391% | 431 |
| Net operating income to assets | 0.9495% | 2,663 |
| Return on assets (ROA) | 0.9495% | 2,719 |
| Pretax return on assets | 1.3779% | 2,109 |
| Return on Equity (ROE) | 9.5054% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.5054% | 707 |
| Net charge-offs to loans | 0.1804% | 1,097 |
| Credit loss provision to net charge-offs | 231.2312% | 1,135 |
| Earnings coverage of net charge-offs (x) | 11.7097% | 2,253 |
| Efficiency ratio | 71.4268% | 2,449 |
| Assets per employee ($millions) | 2.6773% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,783 |
| Loan loss allowance to noncurrent loans | 104.0119% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0501% | 1,671 |
| Noncurrent loans to loans | 1.0207% | 1,929 |
| Net loans and leases to total assets | 82.2488% | 632 |
| Net loans and leases to deposits | 96.9240% | 993 |
| Net loans and leases to core deposits | 106.3452% | 1,206 |
| Total domestic deposits to total assets | 84.8591% | 2,866 |
| Equity capital to assets | 10.0499% | 3,852 |
| Core capital (leverage) ratio | 9.4406% | 4,189 |
| Tier 1 risk-based capital ratio | 10.3040% | 5,539 |
| Total risk-based capital ratio | 11.2980% | 5,565 |
| Memoranda: | ||
| Average total assets | $1,362,617,330 | 563 |
| Average earning assets | $1,207,468,000 | 584 |
| Average equity | $136,112,000 | 603 |
| Average total loans | $1,107,362,670 | 488 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7182% | 173 |
| Cost of funding earning assets | 0.3819% | 3,190 |
| Net interest margin | 5.3363% | 128 |
| Noninterest income to average assets | 1.1557% | 754 |
| Noninterest expense to average assets | 4.3606% | 366 |
| Loan and lease loss provision to assets | 0.3424% | 357 |
| Net operating income to assets | 0.8310% | 3,075 |
| Return on assets (ROA) | 0.8310% | 3,130 |
| Pretax return on assets | 1.1755% | 2,692 |
| Return on Equity (ROE) | 8.3456% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.3456% | 1,327 |
| Net charge-offs to loans | 0.2440% | 734 |
| Credit loss provision to net charge-offs | 174.7352% | 1,107 |
| Earnings coverage of net charge-offs (x) | 7.7458% | 2,112 |
| Efficiency ratio | 74.0972% | 2,215 |
| Assets per employee ($millions) | 2.6401% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 4,027 |
| Loan loss allowance to noncurrent loans | 129.5563% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 1,725 |
| Noncurrent loans to loans | 0.8039% | 2,441 |
| Net loans and leases to total assets | 79.9842% | 834 |
| Net loans and leases to deposits | 93.6039% | 1,154 |
| Net loans and leases to core deposits | 101.9376% | 1,374 |
| Total domestic deposits to total assets | 85.4496% | 2,902 |
| Equity capital to assets | 9.9875% | 3,768 |
| Core capital (leverage) ratio | 9.3664% | 4,263 |
| Tier 1 risk-based capital ratio | 10.4928% | 5,546 |
| Total risk-based capital ratio | 11.4725% | 5,589 |
| Memoranda: | ||
| Average total assets | $1,349,179,500 | 574 |
| Average earning assets | $1,194,090,000 | 594 |
| Average equity | $134,347,000 | 604 |
| Average total loans | $1,083,492,000 | 494 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8235% | 161 |
| Cost of funding earning assets | 0.3097% | 3,962 |
| Net interest margin | 5.5139% | 108 |
| Noninterest income to average assets | 1.2032% | 785 |
| Noninterest expense to average assets | 4.4521% | 396 |
| Loan and lease loss provision to assets | 0.3157% | 591 |
| Net operating income to assets | 0.9302% | 2,680 |
| Return on assets (ROA) | 0.9302% | 2,792 |
| Pretax return on assets | 1.3152% | 2,229 |
| Return on Equity (ROE) | 9.0546% | 2,395 |
| Retained earnings to average equity (ytd only) | 4.0944% | 2,996 |
| Net charge-offs to loans | 0.3415% | 800 |
| Credit loss provision to net charge-offs | 115.2557% | 2,282 |
| Earnings coverage of net charge-offs (x) | 5.9543% | 3,249 |
| Efficiency ratio | 73.0704% | 2,422 |
| Assets per employee ($millions) | 2.6147% | 5,609 |
| Cash dividends to net income (ytd only)* | 54.7814% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 4,164 |
| Loan loss allowance to noncurrent loans | 110.8839% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 1,585 |
| Noncurrent loans to loans | 0.9248% | 2,248 |
| Net loans and leases to total assets | 78.9628% | 1,047 |
| Net loans and leases to deposits | 92.2131% | 1,424 |
| Net loans and leases to core deposits | 100.0226% | 1,621 |
| Total domestic deposits to total assets | 85.6308% | 2,765 |
| Equity capital to assets | 9.9274% | 3,794 |
| Core capital (leverage) ratio | 9.3534% | 4,282 |
| Tier 1 risk-based capital ratio | 10.4369% | 5,598 |
| Total risk-based capital ratio | 11.3916% | 5,652 |
| Memoranda: | ||
| Average total assets | $1,263,652,200 | 584 |
| Average earning assets | $1,118,328,000 | 600 |
| Average equity | $129,811,800 | 618 |
| Average total loans | $1,013,379,600 | 507 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8492% | 151 |
| Cost of funding earning assets | 0.2954% | 4,153 |
| Net interest margin | 5.5538% | 104 |
| Noninterest income to average assets | 1.2046% | 790 |
| Noninterest expense to average assets | 4.5121% | 379 |
| Loan and lease loss provision to assets | 0.3079% | 543 |
| Net operating income to assets | 0.9197% | 2,812 |
| Return on assets (ROA) | 0.9197% | 2,932 |
| Pretax return on assets | 1.3015% | 2,426 |
| Return on Equity (ROE) | 8.8725% | 2,567 |
| Retained earnings to average equity (ytd only) | 2.2194% | 4,586 |
| Net charge-offs to loans | 0.2741% | 844 |
| Credit loss provision to net charge-offs | 139.9027% | 1,868 |
| Earnings coverage of net charge-offs (x) | 7.3124% | 2,890 |
| Efficiency ratio | 73.5846% | 2,361 |
| Assets per employee ($millions) | 2.5697% | 5,694 |
| Cash dividends to net income (ytd only)* | 74.9854% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 4,038 |
| Loan loss allowance to noncurrent loans | 99.1274% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 1,703 |
| Noncurrent loans to loans | 1.0768% | 2,100 |
| Net loans and leases to total assets | 81.1227% | 740 |
| Net loans and leases to deposits | 93.5365% | 1,313 |
| Net loans and leases to core deposits | 100.9435% | 1,554 |
| Total domestic deposits to total assets | 86.7285% | 2,015 |
| Equity capital to assets | 10.1564% | 3,974 |
| Core capital (leverage) ratio | 9.6344% | 4,014 |
| Tier 1 risk-based capital ratio | 10.2735% | 5,709 |
| Total risk-based capital ratio | 11.2598% | 5,749 |
| Memoranda: | ||
| Average total assets | $1,244,888,000 | 591 |
| Average earning assets | $1,102,134,750 | 605 |
| Average equity | $129,040,000 | 621 |
| Average total loans | $999,716,000 | 509 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7942% | 165 |
| Cost of funding earning assets | 0.2930% | 4,213 |
| Net interest margin | 5.5012% | 108 |
| Noninterest income to average assets | 1.2024% | 782 |
| Noninterest expense to average assets | 4.5828% | 360 |
| Loan and lease loss provision to assets | 0.3086% | 566 |
| Net operating income to assets | 0.8445% | 3,114 |
| Return on assets (ROA) | 0.8445% | 3,245 |
| Pretax return on assets | 1.1830% | 2,851 |
| Return on Equity (ROE) | 8.0899% | 2,941 |
| Retained earnings to average equity (ytd only) | 0.6550% | 5,111 |
| Net charge-offs to loans | 0.2047% | 1,133 |
| Credit loss provision to net charge-offs | 189.0547% | 1,354 |
| Earnings coverage of net charge-offs (x) | 9.1393% | 2,446 |
| Efficiency ratio | 75.3188% | 2,177 |
| Assets per employee ($millions) | 2.4569% | 5,811 |
| Cash dividends to net income (ytd only)* | 91.9038% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,901 |
| Loan loss allowance to noncurrent loans | 96.5791% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 1,645 |
| Noncurrent loans to loans | 1.1476% | 2,002 |
| Net loans and leases to total assets | 82.5598% | 567 |
| Net loans and leases to deposits | 95.5717% | 1,119 |
| Net loans and leases to core deposits | 101.7861% | 1,489 |
| Total domestic deposits to total assets | 86.3852% | 2,223 |
| Equity capital to assets | 10.5141% | 3,618 |
| Core capital (leverage) ratio | 9.5651% | 4,112 |
| Tier 1 risk-based capital ratio | 10.0509% | 5,840 |
| Total risk-based capital ratio | 11.0393% | 5,863 |
| Memoranda: | ||
| Average total assets | $1,231,563,000 | 595 |
| Average earning assets | $1,090,703,000 | 608 |
| Average equity | $128,554,670 | 623 |
| Average total loans | $981,767,330 | 517 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6608% | 199 |
| Cost of funding earning assets | 0.2933% | 4,240 |
| Net interest margin | 5.3674% | 138 |
| Noninterest income to average assets | 1.1833% | 784 |
| Noninterest expense to average assets | 4.6116% | 354 |
| Loan and lease loss provision to assets | 0.2752% | 604 |
| Net operating income to assets | 0.7744% | 3,376 |
| Return on assets (ROA) | 0.7744% | 3,476 |
| Pretax return on assets | 1.0651% | 3,223 |
| Return on Equity (ROE) | 7.4453% | 3,216 |
| Retained earnings to average equity (ytd only) | 2.2629% | 4,354 |
| Net charge-offs to loans | 0.2033% | 979 |
| Credit loss provision to net charge-offs | 173.8241% | 1,178 |
| Earnings coverage of net charge-offs (x) | 8.4663% | 2,053 |
| Efficiency ratio | 77.3511% | 1,987 |
| Assets per employee ($millions) | 2.4883% | 5,850 |
| Cash dividends to net income (ytd only)* | 69.6070% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,999 |
| Loan loss allowance to noncurrent loans | 95.5274% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2082% | 1,806 |
| Noncurrent loans to loans | 1.1613% | 2,081 |
| Net loans and leases to total assets | 77.4346% | 1,179 |
| Net loans and leases to deposits | 89.2777% | 1,664 |
| Net loans and leases to core deposits | 94.6533% | 1,925 |
| Total domestic deposits to total assets | 86.7345% | 2,335 |
| Equity capital to assets | 10.3790% | 3,640 |
| Core capital (leverage) ratio | 9.4533% | 4,269 |
| Tier 1 risk-based capital ratio | 10.6182% | 5,702 |
| Total risk-based capital ratio | 11.6122% | 5,726 |
| Memoranda: | ||
| Average total assets | $1,235,576,000 | 592 |
| Average earning assets | $1,097,730,000 | 609 |
| Average equity | $128,510,000 | 622 |
| Average total loans | $961,915,500 | 524 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9165% | 142 |
| Cost of funding earning assets | 0.2849% | 4,416 |
| Net interest margin | 5.6316% | 102 |
| Noninterest income to average assets | 1.1303% | 927 |
| Noninterest expense to average assets | 4.7508% | 344 |
| Loan and lease loss provision to assets | 0.2766% | 664 |
| Net operating income to assets | 0.7788% | 3,426 |
| Return on assets (ROA) | 0.7804% | 3,492 |
| Pretax return on assets | 1.0746% | 3,174 |
| Return on Equity (ROE) | 6.7847% | 3,627 |
| Retained earnings to average equity (ytd only) | -8.3909% | 6,008 |
| Net charge-offs to loans | 0.2854% | 1,062 |
| Credit loss provision to net charge-offs | 121.5470% | 2,125 |
| Earnings coverage of net charge-offs (x) | 5.9282% | 3,305 |
| Efficiency ratio | 77.5703% | 2,037 |
| Assets per employee ($millions) | 2.4203% | 5,929 |
| Cash dividends to net income (ytd only)* | 223.6735% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 4,076 |
| Loan loss allowance to noncurrent loans | 93.0477% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2332% | 1,742 |
| Noncurrent loans to loans | 1.1775% | 2,004 |
| Net loans and leases to total assets | 76.5475% | 1,325 |
| Net loans and leases to deposits | 89.4380% | 1,692 |
| Net loans and leases to core deposits | 92.5856% | 2,168 |
| Total domestic deposits to total assets | 85.5872% | 2,826 |
| Equity capital to assets | 10.4229% | 3,452 |
| Core capital (leverage) ratio | 9.5541% | 4,097 |
| Tier 1 risk-based capital ratio | 10.7156% | 5,661 |
| Total risk-based capital ratio | 11.6928% | 5,719 |
| Memoranda: | ||
| Average total assets | $1,193,049,800 | 590 |
| Average earning assets | $1,052,790,000 | 613 |
| Average equity | $137,220,000 | 548 |
| Average total loans | $951,281,400 | 508 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9910% | 134 |
| Cost of funding earning assets | 0.2875% | 4,472 |
| Net interest margin | 5.7035% | 90 |
| Noninterest income to average assets | 1.1039% | 986 |
| Noninterest expense to average assets | 4.8714% | 312 |
| Loan and lease loss provision to assets | 0.2872% | 539 |
| Net operating income to assets | 0.7177% | 3,831 |
| Return on assets (ROA) | 0.7198% | 3,922 |
| Pretax return on assets | 0.9722% | 3,732 |
| Return on Equity (ROE) | 6.1098% | 4,104 |
| Retained earnings to average equity (ytd only) | 1.6871% | 5,026 |
| Net charge-offs to loans | 0.2529% | 1,040 |
| Credit loss provision to net charge-offs | 141.3525% | 1,759 |
| Earnings coverage of net charge-offs (x) | 6.1846% | 3,087 |
| Efficiency ratio | 79.1653% | 1,777 |
| Assets per employee ($millions) | 2.3868% | 6,013 |
| Cash dividends to net income (ytd only)* | 72.3874% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 4,215 |
| Loan loss allowance to noncurrent loans | 102.3496% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 2,131 |
| Noncurrent loans to loans | 1.0770% | 2,331 |
| Net loans and leases to total assets | 78.9434% | 965 |
| Net loans and leases to deposits | 92.5790% | 1,351 |
| Net loans and leases to core deposits | 96.1929% | 1,860 |
| Total domestic deposits to total assets | 85.2714% | 2,900 |
| Equity capital to assets | 11.6906% | 2,359 |
| Core capital (leverage) ratio | 10.9186% | 2,574 |
| Tier 1 risk-based capital ratio | 11.9046% | 5,138 |
| Total risk-based capital ratio | 12.8937% | 5,218 |
| Memoranda: | ||
| Average total assets | $1,183,934,750 | 601 |
| Average earning assets | $1,042,886,250 | 621 |
| Average equity | $139,487,500 | 544 |
| Average total loans | $951,205,500 | 501 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9830% | 136 |
| Cost of funding earning assets | 0.2932% | 4,466 |
| Net interest margin | 5.6898% | 94 |
| Noninterest income to average assets | 1.1141% | 976 |
| Noninterest expense to average assets | 4.9715% | 295 |
| Loan and lease loss provision to assets | 0.3057% | 498 |
| Net operating income to assets | 0.6393% | 4,179 |
| Return on assets (ROA) | 0.6427% | 4,263 |
| Pretax return on assets | 0.8444% | 4,143 |
| Return on Equity (ROE) | 5.4405% | 4,404 |
| Retained earnings to average equity (ytd only) | 0.4745% | 5,361 |
| Net charge-offs to loans | 0.2360% | 1,097 |
| Credit loss provision to net charge-offs | 160.8579% | 1,462 |
| Earnings coverage of net charge-offs (x) | 6.0286% | 2,838 |
| Efficiency ratio | 80.9373% | 1,629 |
| Assets per employee ($millions) | 2.3340% | 6,115 |
| Cash dividends to net income (ytd only)* | 91.2791% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 4,345 |
| Loan loss allowance to noncurrent loans | 91.2806% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.3228% | 1,896 |
| Noncurrent loans to loans | 1.2006% | 2,257 |
| Net loans and leases to total assets | 80.4005% | 753 |
| Net loans and leases to deposits | 94.7865% | 1,070 |
| Net loans and leases to core deposits | 98.3545% | 1,623 |
| Total domestic deposits to total assets | 84.8227% | 3,201 |
| Equity capital to assets | 11.7849% | 2,175 |
| Core capital (leverage) ratio | 10.9190% | 2,506 |
| Tier 1 risk-based capital ratio | 11.8845% | 5,227 |
| Total risk-based capital ratio | 12.8778% | 5,302 |
| Memoranda: | ||
| Average total assets | $1,177,594,670 | 605 |
| Average earning assets | $1,035,469,330 | 627 |
| Average equity | $139,105,670 | 546 |
| Average total loans | $948,194,330 | 498 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8995% | 143 |
| Cost of funding earning assets | 0.2973% | 4,471 |
| Net interest margin | 5.6022% | 108 |
| Noninterest income to average assets | 1.0827% | 965 |
| Noninterest expense to average assets | 4.9831% | 295 |
| Loan and lease loss provision to assets | 0.3572% | 357 |
| Net operating income to assets | 0.5329% | 4,534 |
| Return on assets (ROA) | 0.5398% | 4,626 |
| Pretax return on assets | 0.6803% | 4,653 |
| Return on Equity (ROE) | 4.5646% | 4,732 |
| Retained earnings to average equity (ytd only) | 1.1678% | 5,020 |
| Net charge-offs to loans | 0.1197% | 1,549 |
| Credit loss provision to net charge-offs | 372.3404% | 703 |
| Earnings coverage of net charge-offs (x) | 10.7234% | 1,914 |
| Efficiency ratio | 82.5497% | 1,556 |
| Assets per employee ($millions) | 2.3019% | 6,191 |
| Cash dividends to net income (ytd only)* | 74.4171% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 4,368 |
| Loan loss allowance to noncurrent loans | 79.4131% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.4959% | 1,752 |
| Noncurrent loans to loans | 1.4240% | 2,014 |
| Net loans and leases to total assets | 78.8458% | 820 |
| Net loans and leases to deposits | 92.9999% | 1,089 |
| Net loans and leases to core deposits | 96.3464% | 1,590 |
| Total domestic deposits to total assets | 84.7805% | 3,521 |
| Equity capital to assets | 11.8474% | 2,152 |
| Core capital (leverage) ratio | 10.9131% | 2,502 |
| Tier 1 risk-based capital ratio | 12.0847% | 5,179 |
| Total risk-based capital ratio | 13.1037% | 5,224 |
| Memoranda: | ||
| Average total assets | $1,175,896,500 | 598 |
| Average earning assets | $1,034,597,500 | 622 |
| Average equity | $139,069,000 | 547 |
| Average total loans | $942,269,500 | 498 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3075% | 108 |
| Cost of funding earning assets | 0.2854% | 4,944 |
| Net interest margin | 6.0220% | 84 |
| Noninterest income to average assets | 1.1581% | 897 |
| Noninterest expense to average assets | 4.7827% | 365 |
| Loan and lease loss provision to assets | 0.2260% | 1,081 |
| Net operating income to assets | 0.9882% | 2,439 |
| Return on assets (ROA) | 0.9882% | 2,523 |
| Pretax return on assets | 1.4101% | 1,852 |
| Return on Equity (ROE) | 8.0982% | 3,079 |
| Retained earnings to average equity (ytd only) | 4.5151% | 2,955 |
| Net charge-offs to loans | 0.3122% | 1,410 |
| Credit loss provision to net charge-offs | 89.2857% | 2,658 |
| Earnings coverage of net charge-offs (x) | 6.4629% | 3,192 |
| Efficiency ratio | 73.9888% | 2,838 |
| Assets per employee ($millions) | 2.3141% | 6,265 |
| Cash dividends to net income (ytd only)* | 44.2461% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 4,857 |
| Loan loss allowance to noncurrent loans | 78.8066% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4101% | 1,964 |
| Noncurrent loans to loans | 1.3191% | 2,237 |
| Net loans and leases to total assets | 79.6796% | 777 |
| Net loans and leases to deposits | 93.5706% | 1,123 |
| Net loans and leases to core deposits | 97.2398% | 1,617 |
| Total domestic deposits to total assets | 85.1546% | 3,230 |
| Equity capital to assets | 11.8059% | 2,165 |
| Core capital (leverage) ratio | 10.9016% | 2,495 |
| Tier 1 risk-based capital ratio | 12.5931% | 4,980 |
| Total risk-based capital ratio | 13.5835% | 5,050 |
| Memoranda: | ||
| Average total assets | $1,128,180,000 | 598 |
| Average earning assets | $985,532,200 | 617 |
| Average equity | $137,672,600 | 526 |
| Average total loans | $914,825,800 | 490 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3168% | 108 |
| Cost of funding earning assets | 0.2808% | 5,086 |
| Net interest margin | 6.0360% | 82 |
| Noninterest income to average assets | 1.1670% | 884 |
| Noninterest expense to average assets | 4.7843% | 362 |
| Loan and lease loss provision to assets | 0.1792% | 1,371 |
| Net operating income to assets | 1.0261% | 2,339 |
| Return on assets (ROA) | 1.0261% | 2,398 |
| Pretax return on assets | 1.4665% | 1,746 |
| Return on Equity (ROE) | 8.3368% | 3,016 |
| Retained earnings to average equity (ytd only) | 4.6842% | 3,295 |
| Net charge-offs to loans | 0.3040% | 1,304 |
| Credit loss provision to net charge-offs | 72.5338% | 2,722 |
| Earnings coverage of net charge-offs (x) | 6.6630% | 3,046 |
| Efficiency ratio | 73.8656% | 2,841 |
| Assets per employee ($millions) | 2.2766% | 6,354 |
| Cash dividends to net income (ytd only)* | 43.8133% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 5,125 |
| Loan loss allowance to noncurrent loans | 82.0284% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3599% | 2,274 |
| Noncurrent loans to loans | 1.2421% | 2,565 |
| Net loans and leases to total assets | 81.5610% | 553 |
| Net loans and leases to deposits | 95.9722% | 886 |
| Net loans and leases to core deposits | 99.6123% | 1,405 |
| Total domestic deposits to total assets | 84.9840% | 3,341 |
| Equity capital to assets | 12.3038% | 1,825 |
| Core capital (leverage) ratio | 11.3700% | 2,163 |
| Tier 1 risk-based capital ratio | 12.6254% | 5,082 |
| Total risk-based capital ratio | 13.6182% | 5,184 |
| Memoranda: | ||
| Average total assets | $1,116,340,250 | 605 |
| Average earning assets | $973,380,000 | 619 |
| Average equity | $137,395,000 | 527 |
| Average total loans | $906,906,250 | 488 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2555% | 110 |
| Cost of funding earning assets | 0.2814% | 5,165 |
| Net interest margin | 5.9740% | 82 |
| Noninterest income to average assets | 1.1514% | 886 |
| Noninterest expense to average assets | 4.8480% | 341 |
| Loan and lease loss provision to assets | 0.1624% | 1,522 |
| Net operating income to assets | 0.9397% | 2,599 |
| Return on assets (ROA) | 0.9397% | 2,707 |
| Pretax return on assets | 1.3432% | 2,106 |
| Return on Equity (ROE) | 7.6341% | 3,302 |
| Retained earnings to average equity (ytd only) | 3.3252% | 4,082 |
| Net charge-offs to loans | 0.3324% | 1,228 |
| Credit loss provision to net charge-offs | 60.4433% | 2,629 |
| Earnings coverage of net charge-offs (x) | 5.6031% | 2,899 |
| Efficiency ratio | 75.7520% | 2,677 |
| Assets per employee ($millions) | 2.2281% | 6,432 |
| Cash dividends to net income (ytd only)* | 56.4432% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 5,118 |
| Loan loss allowance to noncurrent loans | 90.6375% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 2,488 |
| Noncurrent loans to loans | 1.1574% | 2,910 |
| Net loans and leases to total assets | 81.3930% | 534 |
| Net loans and leases to deposits | 96.0769% | 796 |
| Net loans and leases to core deposits | 99.0353% | 1,365 |
| Total domestic deposits to total assets | 84.7165% | 3,630 |
| Equity capital to assets | 12.4490% | 1,678 |
| Core capital (leverage) ratio | 11.1646% | 2,279 |
| Tier 1 risk-based capital ratio | 12.5685% | 5,180 |
| Total risk-based capital ratio | 13.5810% | 5,262 |
| Memoranda: | ||
| Average total assets | $1,108,255,670 | 606 |
| Average earning assets | $965,075,670 | 627 |
| Average equity | $136,414,670 | 531 |
| Average total loans | $895,923,000 | 490 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1417% | 118 |
| Cost of funding earning assets | 0.2845% | 5,226 |
| Net interest margin | 5.8572% | 91 |
| Noninterest income to average assets | 1.1289% | 871 |
| Noninterest expense to average assets | 4.8132% | 352 |
| Loan and lease loss provision to assets | 0.2165% | 1,056 |
| Net operating income to assets | 0.8778% | 2,759 |
| Return on assets (ROA) | 0.8778% | 2,823 |
| Pretax return on assets | 1.2090% | 2,453 |
| Return on Equity (ROE) | 7.1720% | 3,375 |
| Retained earnings to average equity (ytd only) | 3.6847% | 3,922 |
| Net charge-offs to loans | 0.1630% | 1,740 |
| Credit loss provision to net charge-offs | 165.7459% | 1,183 |
| Earnings coverage of net charge-offs (x) | 10.9144% | 1,816 |
| Efficiency ratio | 76.5903% | 2,715 |
| Assets per employee ($millions) | 2.2856% | 6,473 |
| Cash dividends to net income (ytd only)* | 48.6231% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 4,802 |
| Loan loss allowance to noncurrent loans | 90.0590% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.4007% | 2,541 |
| Noncurrent loans to loans | 1.2937% | 2,866 |
| Net loans and leases to total assets | 78.9571% | 661 |
| Net loans and leases to deposits | 92.9473% | 878 |
| Net loans and leases to core deposits | 95.8746% | 1,392 |
| Total domestic deposits to total assets | 84.9483% | 3,895 |
| Equity capital to assets | 12.2300% | 1,730 |
| Core capital (leverage) ratio | 11.0968% | 2,303 |
| Tier 1 risk-based capital ratio | 12.6295% | 5,236 |
| Total risk-based capital ratio | 13.7406% | 5,258 |
| Memoranda: | ||
| Average total assets | $1,108,705,500 | 613 |
| Average earning assets | $967,228,000 | 630 |
| Average equity | $135,694,500 | 539 |
| Average total loans | $888,452,000 | 490 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4614% | 100 |
| Cost of funding earning assets | 0.3309% | 5,315 |
| Net interest margin | 6.1305% | 74 |
| Noninterest income to average assets | 1.0856% | 1,198 |
| Noninterest expense to average assets | 4.7818% | 416 |
| Loan and lease loss provision to assets | 0.2399% | 1,509 |
| Net operating income to assets | 0.9961% | 2,339 |
| Return on assets (ROA) | 0.9961% | 2,413 |
| Pretax return on assets | 1.3708% | 1,898 |
| Return on Equity (ROE) | 8.1690% | 2,945 |
| Retained earnings to average equity (ytd only) | 2.8775% | 4,202 |
| Net charge-offs to loans | 0.1950% | 2,904 |
| Credit loss provision to net charge-offs | 153.5294% | 1,507 |
| Earnings coverage of net charge-offs (x) | 10.3071% | 2,393 |
| Efficiency ratio | 74.0523% | 3,122 |
| Assets per employee ($millions) | 2.2675% | 6,537 |
| Cash dividends to net income (ytd only)* | 64.7748% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 4,933 |
| Loan loss allowance to noncurrent loans | 87.2677% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.4582% | 2,553 |
| Noncurrent loans to loans | 1.3122% | 2,944 |
| Net loans and leases to total assets | 79.4630% | 654 |
| Net loans and leases to deposits | 93.3574% | 925 |
| Net loans and leases to core deposits | 96.2951% | 1,427 |
| Total domestic deposits to total assets | 85.1170% | 3,684 |
| Equity capital to assets | 12.2482% | 1,654 |
| Core capital (leverage) ratio | 10.9978% | 2,389 |
| Tier 1 risk-based capital ratio | 12.7183% | 5,163 |
| Total risk-based capital ratio | 13.8097% | 5,203 |
| Memoranda: | ||
| Average total assets | $1,087,829,200 | 606 |
| Average earning assets | $941,678,200 | 629 |
| Average equity | $132,648,000 | 543 |
| Average total loans | $871,702,400 | 477 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5013% | 94 |
| Cost of funding earning assets | 0.3416% | 5,369 |
| Net interest margin | 6.1597% | 69 |
| Noninterest income to average assets | 1.0880% | 1,240 |
| Noninterest expense to average assets | 4.8242% | 385 |
| Loan and lease loss provision to assets | 0.2361% | 1,527 |
| Net operating income to assets | 0.9905% | 2,409 |
| Return on assets (ROA) | 0.9905% | 2,511 |
| Pretax return on assets | 1.3467% | 2,135 |
| Return on Equity (ROE) | 8.1321% | 3,060 |
| Retained earnings to average equity (ytd only) | 3.4628% | 4,223 |
| Net charge-offs to loans | 0.1771% | 2,804 |
| Credit loss provision to net charge-offs | 166.5221% | 1,438 |
| Earnings coverage of net charge-offs (x) | 11.1640% | 2,271 |
| Efficiency ratio | 74.5259% | 2,981 |
| Assets per employee ($millions) | 2.2596% | 6,612 |
| Cash dividends to net income (ytd only)* | 57.4177% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,246 |
| Loan loss allowance to noncurrent loans | 90.0982% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.5027% | 2,680 |
| Noncurrent loans to loans | 1.2452% | 3,321 |
| Net loans and leases to total assets | 80.9268% | 456 |
| Net loans and leases to deposits | 95.2326% | 748 |
| Net loans and leases to core deposits | 98.2927% | 1,223 |
| Total domestic deposits to total assets | 84.9780% | 3,761 |
| Equity capital to assets | 12.3093% | 1,703 |
| Core capital (leverage) ratio | 11.1659% | 2,331 |
| Tier 1 risk-based capital ratio | 12.5860% | 5,403 |
| Total risk-based capital ratio | 13.6571% | 5,446 |
| Memoranda: | ||
| Average total assets | $1,084,281,750 | 608 |
| Average earning assets | $936,303,250 | 640 |
| Average equity | $132,065,750 | 550 |
| Average total loans | $868,167,750 | 482 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4701% | 100 |
| Cost of funding earning assets | 0.3497% | 5,409 |
| Net interest margin | 6.1204% | 69 |
| Noninterest income to average assets | 1.0714% | 1,337 |
| Noninterest expense to average assets | 4.9747% | 360 |
| Loan and lease loss provision to assets | 0.2549% | 1,452 |
| Net operating income to assets | 0.8427% | 3,082 |
| Return on assets (ROA) | 0.8427% | 3,232 |
| Pretax return on assets | 1.1342% | 2,954 |
| Return on Equity (ROE) | 6.9436% | 3,628 |
| Retained earnings to average equity (ytd only) | -0.0959% | 5,874 |
| Net charge-offs to loans | 0.2278% | 2,367 |
| Credit loss provision to net charge-offs | 140.8163% | 1,610 |
| Earnings coverage of net charge-offs (x) | 7.6735% | 2,516 |
| Efficiency ratio | 77.3962% | 2,559 |
| Assets per employee ($millions) | 2.2324% | 6,666 |
| Cash dividends to net income (ytd only)* | 101.3810% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 5,435 |
| Loan loss allowance to noncurrent loans | 115.2548% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 1.2556% | 3,246 |
| Noncurrent loans to loans | 0.9562% | 4,018 |
| Net loans and leases to total assets | 80.1714% | 521 |
| Net loans and leases to deposits | 94.0382% | 810 |
| Net loans and leases to core deposits | 96.9183% | 1,284 |
| Total domestic deposits to total assets | 85.2540% | 3,765 |
| Equity capital to assets | 12.1349% | 1,821 |
| Core capital (leverage) ratio | 10.7885% | 2,577 |
| Tier 1 risk-based capital ratio | 12.3213% | 5,612 |
| Total risk-based capital ratio | 13.3642% | 5,671 |
| Memoranda: | ||
| Average total assets | $1,082,674,330 | 611 |
| Average earning assets | $936,220,000 | 640 |
| Average equity | $131,400,670 | 554 |
| Average total loans | $860,431,330 | 481 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4544% | 97 |
| Cost of funding earning assets | 0.3583% | 5,460 |
| Net interest margin | 6.0960% | 69 |
| Noninterest income to average assets | 1.1810% | 1,076 |
| Noninterest expense to average assets | 5.1678% | 330 |
| Loan and lease loss provision to assets | 0.2544% | 1,404 |
| Net operating income to assets | 0.7791% | 3,287 |
| Return on assets (ROA) | 0.7791% | 3,420 |
| Pretax return on assets | 1.0276% | 3,230 |
| Return on Equity (ROE) | 6.4187% | 3,810 |
| Retained earnings to average equity (ytd only) | 2.8160% | 4,597 |
| Net charge-offs to loans | 0.2624% | 1,908 |
| Credit loss provision to net charge-offs | 123.2143% | 1,573 |
| Earnings coverage of net charge-offs (x) | 6.2089% | 2,253 |
| Efficiency ratio | 79.3632% | 2,418 |
| Assets per employee ($millions) | 2.2389% | 6,746 |
| Cash dividends to net income (ytd only)* | 56.1287% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 5,660 |
| Loan loss allowance to noncurrent loans | 100.7858% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.3362% | 3,289 |
| Noncurrent loans to loans | 1.0778% | 3,994 |
| Net loans and leases to total assets | 78.3527% | 578 |
| Net loans and leases to deposits | 92.2607% | 781 |
| Net loans and leases to core deposits | 94.7224% | 1,293 |
| Total domestic deposits to total assets | 84.9253% | 4,081 |
| Equity capital to assets | 12.1523% | 1,937 |
| Core capital (leverage) ratio | 10.8960% | 2,355 |
| Tier 1 risk-based capital ratio | 12.6132% | 5,509 |
| Total risk-based capital ratio | 13.6478% | 5,591 |
| Memoranda: | ||
| Average total assets | $1,084,881,500 | 616 |
| Average earning assets | $937,660,500 | 645 |
| Average equity | $131,678,000 | 560 |
| Average total loans | $853,602,500 | 490 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6639% | 106 |
| Cost of funding earning assets | 0.4481% | 5,595 |
| Net interest margin | 6.2158% | 74 |
| Noninterest income to average assets | 1.2183% | 1,050 |
| Noninterest expense to average assets | 4.6917% | 480 |
| Loan and lease loss provision to assets | 0.2525% | 2,635 |
| Net operating income to assets | 1.1647% | 1,712 |
| Return on assets (ROA) | 1.1647% | 1,876 |
| Pretax return on assets | 1.6593% | 1,243 |
| Return on Equity (ROE) | 9.3706% | 2,451 |
| Retained earnings to average equity (ytd only) | -0.0899% | 5,862 |
| Net charge-offs to loans | 0.3916% | 2,686 |
| Credit loss provision to net charge-offs | 84.8801% | 3,668 |
| Earnings coverage of net charge-offs (x) | 6.4274% | 2,814 |
| Efficiency ratio | 70.0392% | 3,808 |
| Assets per employee ($millions) | 2.2302% | 6,812 |
| Cash dividends to net income (ytd only)* | 100.9593% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,584 |
| Loan loss allowance to noncurrent loans | 146.9755% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0313% | 3,969 |
| Noncurrent loans to loans | 0.7432% | 4,691 |
| Net loans and leases to total assets | 77.2933% | 761 |
| Net loans and leases to deposits | 91.6424% | 943 |
| Net loans and leases to core deposits | 94.0330% | 1,464 |
| Total domestic deposits to total assets | 84.3423% | 4,161 |
| Equity capital to assets | 12.1227% | 1,964 |
| Core capital (leverage) ratio | 10.6328% | 2,617 |
| Tier 1 risk-based capital ratio | 12.7620% | 5,284 |
| Total risk-based capital ratio | 13.8061% | 5,388 |
| Memoranda: | ||
| Average total assets | $1,065,082,400 | 617 |
| Average earning assets | $922,747,200 | 651 |
| Average equity | $132,382,200 | 544 |
| Average total loans | $808,950,800 | 507 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6830% | 111 |
| Cost of funding earning assets | 0.4615% | 5,712 |
| Net interest margin | 6.2214% | 74 |
| Noninterest income to average assets | 1.2386% | 975 |
| Noninterest expense to average assets | 4.5755% | 517 |
| Loan and lease loss provision to assets | 0.2828% | 2,305 |
| Net operating income to assets | 1.2414% | 1,599 |
| Return on assets (ROA) | 1.2414% | 1,769 |
| Pretax return on assets | 1.7791% | 1,099 |
| Return on Equity (ROE) | 9.9252% | 2,376 |
| Retained earnings to average equity (ytd only) | -1.4730% | 6,330 |
| Net charge-offs to loans | 0.4109% | 2,453 |
| Credit loss provision to net charge-offs | 91.2779% | 3,258 |
| Earnings coverage of net charge-offs (x) | 6.6560% | 2,748 |
| Efficiency ratio | 67.8898% | 4,089 |
| Assets per employee ($millions) | 2.2684% | 6,880 |
| Cash dividends to net income (ytd only)* | 114.8411% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,625 |
| Loan loss allowance to noncurrent loans | 157.7313% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 4,285 |
| Noncurrent loans to loans | 0.7117% | 5,014 |
| Net loans and leases to total assets | 77.6331% | 771 |
| Net loans and leases to deposits | 92.1224% | 962 |
| Net loans and leases to core deposits | 94.5680% | 1,524 |
| Total domestic deposits to total assets | 84.2717% | 4,095 |
| Equity capital to assets | 12.1489% | 2,151 |
| Core capital (leverage) ratio | 10.6675% | 2,738 |
| Tier 1 risk-based capital ratio | 12.5136% | 5,629 |
| Total risk-based capital ratio | 13.5830% | 5,720 |
| Memoranda: | ||
| Average total assets | $1,060,938,000 | 625 |
| Average earning assets | $920,645,250 | 653 |
| Average equity | $132,696,250 | 545 |
| Average total loans | $799,867,500 | 508 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6701% | 116 |
| Cost of funding earning assets | 0.4803% | 5,754 |
| Net interest margin | 6.1898% | 80 |
| Noninterest income to average assets | 1.2486% | 915 |
| Noninterest expense to average assets | 4.6162% | 495 |
| Loan and lease loss provision to assets | 0.2842% | 2,306 |
| Net operating income to assets | 1.2001% | 1,720 |
| Return on assets (ROA) | 1.2001% | 1,916 |
| Pretax return on assets | 1.7229% | 1,202 |
| Return on Equity (ROE) | 9.5024% | 2,572 |
| Retained earnings to average equity (ytd only) | 2.4607% | 4,957 |
| Net charge-offs to loans | 0.5068% | 2,061 |
| Credit loss provision to net charge-offs | 75.4527% | 3,447 |
| Earnings coverage of net charge-offs (x) | 5.3280% | 2,856 |
| Efficiency ratio | 68.6313% | 4,014 |
| Assets per employee ($millions) | 2.2782% | 6,928 |
| Cash dividends to net income (ytd only)* | 74.1039% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 5,593 |
| Loan loss allowance to noncurrent loans | 80.7635% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2333% | 3,945 |
| Noncurrent loans to loans | 1.4145% | 3,791 |
| Net loans and leases to total assets | 74.5439% | 1,166 |
| Net loans and leases to deposits | 88.6458% | 1,300 |
| Net loans and leases to core deposits | 91.1695% | 1,854 |
| Total domestic deposits to total assets | 84.0919% | 4,283 |
| Equity capital to assets | 12.4898% | 1,824 |
| Core capital (leverage) ratio | 10.9629% | 2,340 |
| Tier 1 risk-based capital ratio | 13.2924% | 4,969 |
| Total risk-based capital ratio | 14.3712% | 5,074 |
| Memoranda: | ||
| Average total assets | $1,055,416,000 | 629 |
| Average earning assets | $916,441,330 | 656 |
| Average equity | $133,293,330 | 540 |
| Average total loans | $784,491,000 | 512 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7769% | 116 |
| Cost of funding earning assets | 0.4990% | 5,830 |
| Net interest margin | 6.2779% | 81 |
| Noninterest income to average assets | 1.2862% | 854 |
| Noninterest expense to average assets | 4.6568% | 479 |
| Loan and lease loss provision to assets | 0.2863% | 2,174 |
| Net operating income to assets | 1.2598% | 1,572 |
| Return on assets (ROA) | 1.2598% | 1,741 |
| Pretax return on assets | 1.7901% | 1,089 |
| Return on Equity (ROE) | 9.9194% | 2,431 |
| Retained earnings to average equity (ytd only) | 6.4145% | 2,731 |
| Net charge-offs to loans | 0.2525% | 2,660 |
| Credit loss provision to net charge-offs | 153.6885% | 1,637 |
| Earnings coverage of net charge-offs (x) | 11.1455% | 1,695 |
| Efficiency ratio | 68.1068% | 4,149 |
| Assets per employee ($millions) | 2.2972% | 6,995 |
| Cash dividends to net income (ytd only)* | 35.3333% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 5,104 |
| Loan loss allowance to noncurrent loans | 112.2945% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 4,549 |
| Noncurrent loans to loans | 1.1406% | 4,431 |
| Net loans and leases to total assets | 72.9031% | 1,244 |
| Net loans and leases to deposits | 87.3534% | 1,246 |
| Net loans and leases to core deposits | 89.6674% | 1,883 |
| Total domestic deposits to total assets | 83.4577% | 4,727 |
| Equity capital to assets | 12.7320% | 1,581 |
| Core capital (leverage) ratio | 11.2386% | 2,082 |
| Tier 1 risk-based capital ratio | 13.8524% | 4,568 |
| Total risk-based capital ratio | 15.0645% | 4,572 |
| Memoranda: | ||
| Average total assets | $1,047,752,500 | 636 |
| Average earning assets | $909,093,000 | 659 |
| Average equity | $133,073,000 | 539 |
| Average total loans | $773,037,500 | 518 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2002% | 80 |
| Cost of funding earning assets | 0.7013% | 5,531 |
| Net interest margin | 6.4989% | 67 |
| Noninterest income to average assets | 1.0926% | 1,113 |
| Noninterest expense to average assets | 4.6098% | 521 |
| Loan and lease loss provision to assets | 0.4325% | 2,438 |
| Net operating income to assets | 1.1788% | 1,572 |
| Return on assets (ROA) | 1.2008% | 1,616 |
| Pretax return on assets | 1.7269% | 936 |
| Return on Equity (ROE) | 9.6660% | 2,179 |
| Retained earnings to average equity (ytd only) | 3.9511% | 3,383 |
| Net charge-offs to loans | 0.6669% | 2,490 |
| Credit loss provision to net charge-offs | 86.6142% | 4,178 |
| Earnings coverage of net charge-offs (x) | 4.2614% | 3,192 |
| Efficiency ratio | 66.8899% | 4,595 |
| Assets per employee ($millions) | 2.3342% | 6,981 |
| Cash dividends to net income (ytd only)* | 59.1240% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 5,092 |
| Loan loss allowance to noncurrent loans | 94.9829% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 4,329 |
| Noncurrent loans to loans | 1.3324% | 4,149 |
| Net loans and leases to total assets | 72.7783% | 1,498 |
| Net loans and leases to deposits | 86.9475% | 1,540 |
| Net loans and leases to core deposits | 89.4473% | 2,204 |
| Total domestic deposits to total assets | 83.7037% | 4,445 |
| Equity capital to assets | 12.6692% | 1,682 |
| Core capital (leverage) ratio | 10.9607% | 2,303 |
| Tier 1 risk-based capital ratio | 13.8224% | 4,465 |
| Total risk-based capital ratio | 15.0292% | 4,459 |
| Memoranda: | ||
| Average total assets | $1,017,254,400 | 648 |
| Average earning assets | $883,626,800 | 668 |
| Average equity | $126,370,200 | 548 |
| Average total loans | $761,745,800 | 538 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1866% | 82 |
| Cost of funding earning assets | 0.7488% | 5,473 |
| Net interest margin | 6.4378% | 66 |
| Noninterest income to average assets | 1.0769% | 1,156 |
| Noninterest expense to average assets | 4.5361% | 564 |
| Loan and lease loss provision to assets | 0.5405% | 1,820 |
| Net operating income to assets | 1.1303% | 1,875 |
| Return on assets (ROA) | 1.1303% | 1,998 |
| Pretax return on assets | 1.6011% | 1,383 |
| Return on Equity (ROE) | 9.1451% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.1107% | 3,099 |
| Net charge-offs to loans | 0.6507% | 2,299 |
| Credit loss provision to net charge-offs | 110.4823% | 2,986 |
| Earnings coverage of net charge-offs (x) | 4.3773% | 3,088 |
| Efficiency ratio | 66.3337% | 4,655 |
| Assets per employee ($millions) | 2.2165% | 7,138 |
| Cash dividends to net income (ytd only)* | 44.1152% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 4,599 |
| Loan loss allowance to noncurrent loans | 86.5874% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.3873% | 4,046 |
| Noncurrent loans to loans | 1.6065% | 3,889 |
| Net loans and leases to total assets | 74.1543% | 1,308 |
| Net loans and leases to deposits | 88.4276% | 1,381 |
| Net loans and leases to core deposits | 91.2222% | 2,086 |
| Total domestic deposits to total assets | 83.8587% | 4,299 |
| Equity capital to assets | 12.9065% | 1,663 |
| Core capital (leverage) ratio | 11.1314% | 2,294 |
| Tier 1 risk-based capital ratio | 13.8558% | 4,449 |
| Total risk-based capital ratio | 15.1080% | 4,409 |
| Memoranda: | ||
| Average total assets | $1,011,299,750 | 657 |
| Average earning assets | $879,822,500 | 678 |
| Average equity | $124,988,750 | 561 |
| Average total loans | $760,335,500 | 543 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0805% | 97 |
| Cost of funding earning assets | 0.7901% | 5,449 |
| Net interest margin | 6.2904% | 77 |
| Noninterest income to average assets | 1.1632% | 939 |
| Noninterest expense to average assets | 4.6431% | 512 |
| Loan and lease loss provision to assets | 0.5971% | 1,620 |
| Net operating income to assets | 0.9926% | 2,257 |
| Return on assets (ROA) | 0.9926% | 2,360 |
| Pretax return on assets | 1.3992% | 1,796 |
| Return on Equity (ROE) | 8.1546% | 2,877 |
| Retained earnings to average equity (ytd only) | 3.8410% | 3,759 |
| Net charge-offs to loans | 0.6306% | 2,255 |
| Credit loss provision to net charge-offs | 125.9446% | 2,428 |
| Earnings coverage of net charge-offs (x) | 4.2107% | 2,927 |
| Efficiency ratio | 68.2985% | 4,463 |
| Assets per employee ($millions) | 2.1653% | 7,206 |
| Cash dividends to net income (ytd only)* | 52.8975% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 4,419 |
| Loan loss allowance to noncurrent loans | 89.9363% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.3217% | 4,262 |
| Noncurrent loans to loans | 1.5955% | 4,002 |
| Net loans and leases to total assets | 73.6864% | 1,477 |
| Net loans and leases to deposits | 87.0121% | 1,644 |
| Net loans and leases to core deposits | 89.7820% | 2,403 |
| Total domestic deposits to total assets | 84.6853% | 4,026 |
| Equity capital to assets | 12.0605% | 2,053 |
| Core capital (leverage) ratio | 10.1673% | 3,072 |
| Tier 1 risk-based capital ratio | 12.5429% | 5,304 |
| Total risk-based capital ratio | 13.7934% | 5,282 |
| Memoranda: | ||
| Average total assets | $1,004,845,670 | 671 |
| Average earning assets | $874,793,670 | 688 |
| Average equity | $122,311,000 | 573 |
| Average total loans | $755,427,000 | 560 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0286% | 105 |
| Cost of funding earning assets | 0.8169% | 5,484 |
| Net interest margin | 6.2117% | 82 |
| Noninterest income to average assets | 1.0385% | 1,221 |
| Noninterest expense to average assets | 4.6205% | 524 |
| Loan and lease loss provision to assets | 0.6036% | 1,423 |
| Net operating income to assets | 0.8446% | 2,803 |
| Return on assets (ROA) | 0.8446% | 2,858 |
| Pretax return on assets | 1.2301% | 2,266 |
| Return on Equity (ROE) | 6.9061% | 3,432 |
| Retained earnings to average equity (ytd only) | 2.5729% | 4,617 |
| Net charge-offs to loans | 0.3928% | 2,509 |
| Credit loss provision to net charge-offs | 203.8043% | 1,458 |
| Earnings coverage of net charge-offs (x) | 6.1916% | 2,142 |
| Efficiency ratio | 69.8940% | 4,298 |
| Assets per employee ($millions) | 2.1037% | 7,307 |
| Cash dividends to net income (ytd only)* | 62.7442% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 4,299 |
| Loan loss allowance to noncurrent loans | 116.6336% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0907% | 4,741 |
| Noncurrent loans to loans | 1.2690% | 4,573 |
| Net loans and leases to total assets | 74.3122% | 1,300 |
| Net loans and leases to deposits | 87.9453% | 1,471 |
| Net loans and leases to core deposits | 91.0411% | 2,238 |
| Total domestic deposits to total assets | 84.4982% | 4,269 |
| Equity capital to assets | 12.2142% | 1,782 |
| Core capital (leverage) ratio | 10.1389% | 2,989 |
| Tier 1 risk-based capital ratio | 12.5355% | 5,233 |
| Total risk-based capital ratio | 13.7844% | 5,207 |
| Memoranda: | ||
| Average total assets | $994,084,500 | 675 |
| Average earning assets | $866,688,000 | 702 |
| Average equity | $121,574,000 | 575 |
| Average total loans | $749,488,500 | 574 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3585% | 93 |
| Cost of funding earning assets | 1.0146% | 5,614 |
| Net interest margin | 6.3439% | 75 |
| Noninterest income to average assets | 1.1830% | 1,062 |
| Noninterest expense to average assets | 4.4761% | 670 |
| Loan and lease loss provision to assets | 0.6466% | 2,552 |
| Net operating income to assets | 1.0634% | 1,828 |
| Return on assets (ROA) | 1.0618% | 1,923 |
| Pretax return on assets | 1.5530% | 1,238 |
| Return on Equity (ROE) | 8.6153% | 2,458 |
| Retained earnings to average equity (ytd only) | 4.1679% | 2,929 |
| Net charge-offs to loans | 0.7690% | 2,720 |
| Credit loss provision to net charge-offs | 107.8516% | 4,109 |
| Earnings coverage of net charge-offs (x) | 3.6730% | 3,243 |
| Efficiency ratio | 65.1299% | 5,141 |
| Assets per employee ($millions) | 2.0819% | 7,383 |
| Cash dividends to net income (ytd only)* | 51.6223% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,544 |
| Loan loss allowance to noncurrent loans | 247.9599% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 5,879 |
| Noncurrent loans to loans | 0.5624% | 5,925 |
| Net loans and leases to total assets | 74.3099% | 1,598 |
| Net loans and leases to deposits | 87.7894% | 1,827 |
| Net loans and leases to core deposits | 91.5856% | 2,547 |
| Total domestic deposits to total assets | 84.6456% | 4,031 |
| Equity capital to assets | 12.2455% | 1,771 |
| Core capital (leverage) ratio | 9.9662% | 3,133 |
| Tier 1 risk-based capital ratio | 12.8279% | 4,749 |
| Total risk-based capital ratio | 14.0777% | 4,713 |
| Memoranda: | ||
| Average total assets | $966,607,200 | 690 |
| Average earning assets | $837,281,000 | 729 |
| Average equity | $119,125,600 | 567 |
| Average total loans | $753,548,400 | 576 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3686% | 98 |
| Cost of funding earning assets | 1.0313% | 5,793 |
| Net interest margin | 6.3373% | 74 |
| Noninterest income to average assets | 1.2001% | 971 |
| Noninterest expense to average assets | 4.3842% | 672 |
| Loan and lease loss provision to assets | 0.6243% | 2,435 |
| Net operating income to assets | 1.1393% | 1,769 |
| Return on assets (ROA) | 1.1393% | 1,878 |
| Pretax return on assets | 1.6715% | 1,167 |
| Return on Equity (ROE) | 9.2294% | 2,417 |
| Retained earnings to average equity (ytd only) | 4.7552% | 3,152 |
| Net charge-offs to loans | 0.6537% | 2,796 |
| Credit loss provision to net charge-offs | 121.4575% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.4664% | 3,037 |
| Efficiency ratio | 63.7064% | 5,296 |
| Assets per employee ($millions) | 2.1639% | 7,410 |
| Cash dividends to net income (ytd only)* | 48.4779% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 4,437 |
| Loan loss allowance to noncurrent loans | 174.3057% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 5,704 |
| Noncurrent loans to loans | 0.8053% | 5,605 |
| Net loans and leases to total assets | 75.9005% | 1,423 |
| Net loans and leases to deposits | 91.4882% | 1,514 |
| Net loans and leases to core deposits | 97.0973% | 2,138 |
| Total domestic deposits to total assets | 82.9620% | 4,604 |
| Equity capital to assets | 12.1589% | 2,054 |
| Core capital (leverage) ratio | 10.3007% | 2,916 |
| Tier 1 risk-based capital ratio | 12.8098% | 4,726 |
| Total risk-based capital ratio | 14.0619% | 4,706 |
| Memoranda: | ||
| Average total assets | $961,031,500 | 692 |
| Average earning assets | $831,015,500 | 727 |
| Average equity | $118,632,750 | 565 |
| Average total loans | $755,623,000 | 575 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3636% | 98 |
| Cost of funding earning assets | 1.0285% | 6,009 |
| Net interest margin | 6.3351% | 78 |
| Noninterest income to average assets | 1.2072% | 886 |
| Noninterest expense to average assets | 4.3227% | 704 |
| Loan and lease loss provision to assets | 0.6314% | 2,268 |
| Net operating income to assets | 1.1727% | 1,637 |
| Return on assets (ROA) | 1.1727% | 1,702 |
| Pretax return on assets | 1.7171% | 1,032 |
| Return on Equity (ROE) | 9.4504% | 2,296 |
| Retained earnings to average equity (ytd only) | 4.9474% | 2,935 |
| Net charge-offs to loans | 0.5578% | 2,862 |
| Credit loss provision to net charge-offs | 142.9252% | 2,777 |
| Earnings coverage of net charge-offs (x) | 5.3163% | 2,702 |
| Efficiency ratio | 62.8462% | 5,546 |
| Assets per employee ($millions) | 2.1487% | 7,475 |
| Cash dividends to net income (ytd only)* | 47.6490% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,318 |
| Loan loss allowance to noncurrent loans | 183.6638% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6821% | 5,790 |
| Noncurrent loans to loans | 0.7752% | 5,722 |
| Net loans and leases to total assets | 78.3057% | 1,062 |
| Net loans and leases to deposits | 94.3831% | 1,221 |
| Net loans and leases to core deposits | 99.2681% | 2,093 |
| Total domestic deposits to total assets | 82.9658% | 4,590 |
| Equity capital to assets | 12.4264% | 1,843 |
| Core capital (leverage) ratio | 10.3643% | 2,753 |
| Tier 1 risk-based capital ratio | 12.5758% | 4,791 |
| Total risk-based capital ratio | 13.8280% | 4,767 |
| Memoranda: | ||
| Average total assets | $950,295,670 | 701 |
| Average earning assets | $819,629,330 | 743 |
| Average equity | $117,921,330 | 563 |
| Average total loans | $752,629,000 | 577 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2240% | 127 |
| Cost of funding earning assets | 1.0317% | 6,218 |
| Net interest margin | 6.1924% | 91 |
| Noninterest income to average assets | 1.1561% | 928 |
| Noninterest expense to average assets | 4.2981% | 726 |
| Loan and lease loss provision to assets | 0.6341% | 1,999 |
| Net operating income to assets | 1.0766% | 1,906 |
| Return on assets (ROA) | 1.0766% | 1,985 |
| Pretax return on assets | 1.5623% | 1,357 |
| Return on Equity (ROE) | 8.6825% | 2,595 |
| Retained earnings to average equity (ytd only) | 4.1793% | 3,638 |
| Net charge-offs to loans | 0.4592% | 2,670 |
| Credit loss provision to net charge-offs | 174.6217% | 2,085 |
| Earnings coverage of net charge-offs (x) | 6.0489% | 2,290 |
| Efficiency ratio | 64.1695% | 5,463 |
| Assets per employee ($millions) | 2.2058% | 7,543 |
| Cash dividends to net income (ytd only)* | 51.8649% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 4,396 |
| Loan loss allowance to noncurrent loans | 173.5236% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 5,608 |
| Noncurrent loans to loans | 0.8099% | 5,694 |
| Net loans and leases to total assets | 79.1594% | 954 |
| Net loans and leases to deposits | 95.7861% | 1,135 |
| Net loans and leases to core deposits | 100.8727% | 2,046 |
| Total domestic deposits to total assets | 82.6419% | 4,781 |
| Equity capital to assets | 12.5616% | 1,719 |
| Core capital (leverage) ratio | 10.2986% | 2,811 |
| Tier 1 risk-based capital ratio | 12.4030% | 4,832 |
| Total risk-based capital ratio | 13.6561% | 4,779 |
| Memoranda: | ||
| Average total assets | $946,280,500 | 718 |
| Average earning assets | $815,777,500 | 766 |
| Average equity | $117,339,500 | 571 |
| Average total loans | $748,312,500 | 603 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4139% | 807 |
| Cost of funding earning assets | 1.3223% | 6,234 |
| Net interest margin | 5.0917% | 370 |
| Noninterest income to average assets | 1.1769% | 1,112 |
| Noninterest expense to average assets | 3.8525% | 1,594 |
| Loan and lease loss provision to assets | 0.5011% | 3,869 |
| Net operating income to assets | 0.8517% | 2,341 |
| Return on assets (ROA) | 0.8474% | 2,443 |
| Pretax return on assets | 1.2428% | 1,844 |
| Return on Equity (ROE) | 7.0884% | 2,758 |
| Retained earnings to average equity (ytd only) | 2.2961% | 3,506 |
| Net charge-offs to loans | 0.4012% | 4,219 |
| Credit loss provision to net charge-offs | 162.6443% | 2,705 |
| Earnings coverage of net charge-offs (x) | 5.6807% | 2,524 |
| Efficiency ratio | 66.1249% | 5,374 |
| Assets per employee ($millions) | 2.2849% | 7,488 |
| Cash dividends to net income (ytd only)* | 67.6078% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 4,563 |
| Loan loss allowance to noncurrent loans | 194.9961% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 5,934 |
| Noncurrent loans to loans | 0.6850% | 5,869 |
| Net loans and leases to total assets | 76.8528% | 1,618 |
| Net loans and leases to deposits | 93.3190% | 1,688 |
| Net loans and leases to core deposits | 110.5280% | 2,841 |
| Total domestic deposits to total assets | 82.3549% | 4,792 |
| Equity capital to assets | 12.2416% | 1,882 |
| Core capital (leverage) ratio | 10.0387% | 3,047 |
| Tier 1 risk-based capital ratio | 12.3562% | 4,636 |
| Total risk-based capital ratio | 13.6033% | 4,599 |
| Memoranda: | ||
| Average total assets | $927,886,400 | 727 |
| Average earning assets | $806,571,800 | 753 |
| Average equity | $110,928,400 | 592 |
| Average total loans | $712,581,000 | 650 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0993% | 1,660 |
| Cost of funding earning assets | 1.3856% | 6,287 |
| Net interest margin | 4.7137% | 810 |
| Noninterest income to average assets | 1.1906% | 1,097 |
| Noninterest expense to average assets | 3.7959% | 1,598 |
| Loan and lease loss provision to assets | 0.4125% | 3,850 |
| Net operating income to assets | 0.7947% | 2,838 |
| Return on assets (ROA) | 0.7883% | 2,927 |
| Pretax return on assets | 1.0810% | 2,638 |
| Return on Equity (ROE) | 6.6354% | 3,244 |
| Retained earnings to average equity (ytd only) | 1.7630% | 4,325 |
| Net charge-offs to loans | 0.4342% | 3,506 |
| Credit loss provision to net charge-offs | 124.1830% | 4,059 |
| Earnings coverage of net charge-offs (x) | 4.5220% | 3,110 |
| Efficiency ratio | 68.8123% | 4,823 |
| Assets per employee ($millions) | 2.1138% | 7,701 |
| Cash dividends to net income (ytd only)* | 73.4301% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 5,370 |
| Loan loss allowance to noncurrent loans | 425.8933% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.6688% | 5,805 |
| Noncurrent loans to loans | 0.2719% | 6,834 |
| Net loans and leases to total assets | 79.8567% | 1,199 |
| Net loans and leases to deposits | 98.3630% | 1,282 |
| Net loans and leases to core deposits | 117.2498% | 2,502 |
| Total domestic deposits to total assets | 81.1857% | 5,004 |
| Equity capital to assets | 12.4657% | 1,976 |
| Core capital (leverage) ratio | 10.0163% | 3,259 |
| Tier 1 risk-based capital ratio | 12.0800% | 4,897 |
| Total risk-based capital ratio | 13.2398% | 4,923 |
| Memoranda: | ||
| Average total assets | $921,085,250 | 745 |
| Average earning assets | $802,628,000 | 773 |
| Average equity | $109,431,000 | 606 |
| Average total loans | $704,738,500 | 677 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9674% | 2,314 |
| Cost of funding earning assets | 1.4425% | 6,342 |
| Net interest margin | 4.5249% | 1,107 |
| Noninterest income to average assets | 1.1705% | 1,142 |
| Noninterest expense to average assets | 3.6123% | 2,037 |
| Loan and lease loss provision to assets | 0.4248% | 3,421 |
| Net operating income to assets | 0.7913% | 2,883 |
| Return on assets (ROA) | 0.7723% | 3,066 |
| Pretax return on assets | 1.0507% | 2,806 |
| Return on Equity (ROE) | 6.6101% | 3,383 |
| Retained earnings to average equity (ytd only) | 1.6148% | 4,433 |
| Net charge-offs to loans | 0.4606% | 2,985 |
| Credit loss provision to net charge-offs | 122.8733% | 3,787 |
| Earnings coverage of net charge-offs (x) | 4.3422% | 3,123 |
| Efficiency ratio | 67.6991% | 5,209 |
| Assets per employee ($millions) | 2.7527% | 6,732 |
| Cash dividends to net income (ytd only)* | 75.5712% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 4,619 |
| Loan loss allowance to noncurrent loans | 723.5544% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 6,110 |
| Noncurrent loans to loans | 0.1725% | 7,089 |
| Net loans and leases to total assets | 72.1590% | 3,175 |
| Net loans and leases to deposits | 88.8778% | 3,018 |
| Net loans and leases to core deposits | 104.2976% | 4,034 |
| Total domestic deposits to total assets | 81.1891% | 5,004 |
| Equity capital to assets | 12.2635% | 2,048 |
| Core capital (leverage) ratio | 9.9479% | 3,350 |
| Tier 1 risk-based capital ratio | 13.2208% | 3,985 |
| Total risk-based capital ratio | 14.4708% | 3,905 |
| Memoranda: | ||
| Average total assets | $918,083,330 | 765 |
| Average earning assets | $800,017,000 | 796 |
| Average equity | $107,260,670 | 629 |
| Average total loans | $689,171,000 | 715 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0043% | 2,344 |
| Cost of funding earning assets | 1.4851% | 6,450 |
| Net interest margin | 4.5192% | 1,083 |
| Noninterest income to average assets | 1.1321% | 1,152 |
| Noninterest expense to average assets | 3.6725% | 1,704 |
| Loan and lease loss provision to assets | 0.3954% | 2,958 |
| Net operating income to assets | 0.7477% | 3,361 |
| Return on assets (ROA) | 0.7477% | 3,538 |
| Pretax return on assets | 1.0038% | 3,332 |
| Return on Equity (ROE) | 6.5668% | 3,796 |
| Retained earnings to average equity (ytd only) | 2.0410% | 4,724 |
| Net charge-offs to loans | 0.3649% | 2,639 |
| Credit loss provision to net charge-offs | 142.4051% | 2,879 |
| Earnings coverage of net charge-offs (x) | 5.0396% | 2,761 |
| Efficiency ratio | 69.4153% | 4,696 |
| Assets per employee ($millions) | 2.8084% | 6,619 |
| Cash dividends to net income (ytd only)* | 68.9189% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 4,658 |
| Loan loss allowance to noncurrent loans | 864.7482% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 5,978 |
| Noncurrent loans to loans | 0.1412% | 7,117 |
| Net loans and leases to total assets | 73.6758% | 2,842 |
| Net loans and leases to deposits | 90.6694% | 2,830 |
| Net loans and leases to core deposits | 106.7791% | 3,821 |
| Total domestic deposits to total assets | 81.2576% | 4,860 |
| Equity capital to assets | 12.3371% | 2,059 |
| Core capital (leverage) ratio | 10.2171% | 3,183 |
| Tier 1 risk-based capital ratio | 12.8430% | 4,298 |
| Total risk-based capital ratio | 14.0603% | 4,233 |
| Memoranda: | ||
| Average total assets | $910,548,000 | 771 |
| Average earning assets | $793,760,500 | 802 |
| Average equity | $103,672,500 | 644 |
| Average total loans | $692,824,500 | 721 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0170% | 5,467 |
| Cost of funding earning assets | 1.7703% | 7,087 |
| Net interest margin | 4.2468% | 2,126 |
| Noninterest income to average assets | 1.0516% | 1,417 |
| Noninterest expense to average assets | 3.5479% | 2,275 |
| Loan and lease loss provision to assets | 0.4263% | 3,150 |
| Net operating income to assets | 0.6045% | 4,283 |
| Return on assets (ROA) | 0.6299% | 4,034 |
| Pretax return on assets | 0.7979% | 4,084 |
| Return on Equity (ROE) | 5.5523% | 4,135 |
| Retained earnings to average equity (ytd only) | -13.4878% | 7,369 |
| Net charge-offs to loans | 0.1673% | 4,524 |
| Credit loss provision to net charge-offs | 353.4884% | 1,271 |
| Earnings coverage of net charge-offs (x) | 9.8856% | 2,616 |
| Efficiency ratio | 72.0098% | 3,933 |
| Assets per employee ($millions) | 2.4579% | 7,282 |
| Cash dividends to net income (ytd only)* | 342.9207% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 4,780 |
| Loan loss allowance to noncurrent loans | 1,399.6564% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 5,705 |
| Noncurrent loans to loans | 0.0836% | 7,171 |
| Net loans and leases to total assets | 76.7280% | 2,445 |
| Net loans and leases to deposits | 93.8400% | 2,796 |
| Net loans and leases to core deposits | 109.2676% | 3,832 |
| Total domestic deposits to total assets | 81.7647% | 4,291 |
| Equity capital to assets | 10.4059% | 3,603 |
| Core capital (leverage) ratio | 8.1818% | 6,196 |
| Tier 1 risk-based capital ratio | 9.4546% | 7,364 |
| Total risk-based capital ratio | 10.6084% | 7,381 |
| Memoranda: | ||
| Average total assets | $891,440,800 | 753 |
| Average earning assets | $774,236,600 | 801 |
| Average equity | $101,128,600 | 659 |
| Average total loans | $642,413,800 | 743 |