| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2170% | 474 |
| Cost of funding earning assets | 0.6965% | 1,464 |
| Net interest margin | 4.5204% | 592 |
| Noninterest income to average assets | 0.5004% | 2,796 |
| Noninterest expense to average assets | 2.2127% | 4,387 |
| Loan and lease loss provision to assets | 0.1952% | 853 |
| Net operating income to assets | 1.4985% | 1,082 |
| Return on assets (ROA) | 1.4985% | 1,082 |
| Pretax return on assets | 1.9756% | 601 |
| Return on Equity (ROE) | 8.2629% | 3,264 |
| Retained earnings to average equity (ytd only) | 8.2629% | 1,741 |
| Net charge-offs to loans | 0.0164% | 2,186 |
| Credit loss provision to net charge-offs | 1,602.3256% | 225 |
| Earnings coverage of net charge-offs (x) | 178.1977% | 367 |
| Efficiency ratio | 47.3405% | 5,221 |
| Assets per employee ($millions) | 8.1383% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1285% | 5,533 |
| Loan loss allowance to noncurrent loans | 9.8310% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.1450% | 1,341 |
| Noncurrent loans to loans | 1.3073% | 1,366 |
| Net loans and leases to total assets | 73.8343% | 1,888 |
| Net loans and leases to deposits | 99.8887% | 715 |
| Net loans and leases to core deposits | 128.0610% | 375 |
| Total domestic deposits to total assets | 73.9166% | 5,164 |
| Equity capital to assets | 17.8616% | 326 |
| Core capital (leverage) ratio | 10.1285% | 3,388 |
| Tier 1 risk-based capital ratio | 10.3854% | 5,387 |
| Total risk-based capital ratio | 10.5837% | 5,559 |
| Memoranda: |
| Average total assets | $2,823,903,000 | 334 |
| Average earning assets | $2,425,694,500 | 346 |
| Average equity | $512,120,500 | 234 |
| Average total loans | $2,094,723,500 | 320 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.1997% | 5,646 |
| Cost of funding earning assets | 0.1282% | 5,375 |
| Net interest margin | 1.0715% | 5,642 |
| Noninterest income to average assets | 0.1405% | 5,249 |
| Noninterest expense to average assets | 0.4380% | 5,653 |
| Loan and lease loss provision to assets | 0.0635% | 2,959 |
| Net operating income to assets | 0.4076% | 4,666 |
| Return on assets (ROA) | 0.4076% | 4,689 |
| Pretax return on assets | 0.6267% | 4,682 |
| Return on Equity (ROE) | 2.9279% | 4,846 |
| Retained earnings to average equity (ytd only) | 2.9279% | 3,550 |
| Net charge-offs to loans | 0.0096% | 3,752 |
| Credit loss provision to net charge-offs | 868.7831% | 407 |
| Earnings coverage of net charge-offs (x) | 94.4074% | 672 |
| Efficiency ratio | 35.5392% | 5,588 |
| Assets per employee ($millions) | 7.5997% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0708% | 5,608 |
| Loan loss allowance to noncurrent loans | 11.1426% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6596% | 2,343 |
| Noncurrent loans to loans | 0.6350% | 2,630 |
| Net loans and leases to total assets | 74.3864% | 1,859 |
| Net loans and leases to deposits | 100.6578% | 677 |
| Net loans and leases to core deposits | 126.3566% | 423 |
| Total domestic deposits to total assets | 73.9003% | 5,191 |
| Equity capital to assets | 18.4218% | 281 |
| Core capital (leverage) ratio | 10.1235% | 3,279 |
| Tier 1 risk-based capital ratio | 10.7378% | 5,275 |
| Total risk-based capital ratio | 10.8941% | 5,565 |
| Memoranda: |
| Average total assets | $2,585,108,800 | 337 |
| Average earning assets | $2,382,785,600 | 337 |
| Average equity | $359,914,800 | 286 |
| Average total loans | $1,973,863,000 | 317 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0928% | 3,009 |
| Cost of funding earning assets | 0.4588% | 2,629 |
| Net interest margin | 3.6340% | 3,021 |
| Noninterest income to average assets | 0.6874% | 2,050 |
| Noninterest expense to average assets | 2.3603% | 4,117 |
| Loan and lease loss provision to assets | 0.3087% | 505 |
| Net operating income to assets | 0.9168% | 2,936 |
| Return on assets (ROA) | 0.9274% | 2,950 |
| Pretax return on assets | 1.4497% | 1,944 |
| Return on Equity (ROE) | 7.3016% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.2367% | 2,720 |
| Net charge-offs to loans | 0.4428% | 472 |
| Credit loss provision to net charge-offs | 90.6919% | 2,451 |
| Earnings coverage of net charge-offs (x) | 5.1171% | 3,149 |
| Efficiency ratio | 57.0985% | 4,601 |
| Assets per employee ($millions) | 6.7570% | 1,046 |
| Cash dividends to net income (ytd only)* | 28.2805% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3269% | 2,225 |
| Loan loss allowance to noncurrent loans | 246.3698% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 2,532 |
| Noncurrent loans to loans | 0.5386% | 3,087 |
| Net loans and leases to total assets | 76.6210% | 1,479 |
| Net loans and leases to deposits | 97.3233% | 984 |
| Net loans and leases to core deposits | 123.2307% | 481 |
| Total domestic deposits to total assets | 78.7283% | 4,586 |
| Equity capital to assets | 12.5467% | 1,635 |
| Core capital (leverage) ratio | 12.2043% | 1,570 |
| Tier 1 risk-based capital ratio | 13.3186% | 3,811 |
| Total risk-based capital ratio | 14.5591% | 3,730 |
| Memoranda: |
| Average total assets | $2,541,708,750 | 346 |
| Average earning assets | $2,388,324,750 | 337 |
| Average equity | $322,842,750 | 319 |
| Average total loans | $1,953,939,500 | 321 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0267% | 3,103 |
| Cost of funding earning assets | 0.4261% | 2,838 |
| Net interest margin | 3.6006% | 3,040 |
| Noninterest income to average assets | 0.7093% | 1,947 |
| Noninterest expense to average assets | 2.3882% | 4,081 |
| Loan and lease loss provision to assets | 0.2785% | 569 |
| Net operating income to assets | 0.9176% | 2,818 |
| Return on assets (ROA) | 0.9176% | 2,870 |
| Pretax return on assets | 1.4364% | 1,872 |
| Return on Equity (ROE) | 7.1935% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.1935% | 1,501 |
| Net charge-offs to loans | 0.3872% | 530 |
| Credit loss provision to net charge-offs | 93.8923% | 2,100 |
| Earnings coverage of net charge-offs (x) | 5.7819% | 2,783 |
| Efficiency ratio | 57.7465% | 4,631 |
| Assets per employee ($millions) | 6.6156% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3856% | 2,010 |
| Loan loss allowance to noncurrent loans | 99.3490% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 1,630 |
| Noncurrent loans to loans | 1.3946% | 1,381 |
| Net loans and leases to total assets | 75.7473% | 1,579 |
| Net loans and leases to deposits | 96.1526% | 1,065 |
| Net loans and leases to core deposits | 120.4660% | 544 |
| Total domestic deposits to total assets | 78.7782% | 4,669 |
| Equity capital to assets | 12.7460% | 1,499 |
| Core capital (leverage) ratio | 12.4427% | 1,392 |
| Tier 1 risk-based capital ratio | 13.6903% | 3,593 |
| Total risk-based capital ratio | 14.9451% | 3,509 |
| Memoranda: |
| Average total assets | $2,517,292,330 | 352 |
| Average earning assets | $2,372,665,330 | 341 |
| Average equity | $321,093,330 | 320 |
| Average total loans | $1,928,403,000 | 326 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9268% | 3,296 |
| Cost of funding earning assets | 0.3949% | 3,042 |
| Net interest margin | 3.5318% | 3,157 |
| Noninterest income to average assets | 0.7108% | 1,915 |
| Noninterest expense to average assets | 2.4359% | 4,013 |
| Loan and lease loss provision to assets | 0.2850% | 496 |
| Net operating income to assets | 0.8409% | 3,036 |
| Return on assets (ROA) | 0.8409% | 3,083 |
| Pretax return on assets | 1.3193% | 2,170 |
| Return on Equity (ROE) | 6.5900% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.5900% | 2,033 |
| Net charge-offs to loans | 0.3732% | 489 |
| Credit loss provision to net charge-offs | 99.8314% | 1,620 |
| Earnings coverage of net charge-offs (x) | 5.6194% | 2,274 |
| Efficiency ratio | 59.8109% | 4,478 |
| Assets per employee ($millions) | 6.6219% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4224% | 1,983 |
| Loan loss allowance to noncurrent loans | 166.0217% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 2,606 |
| Noncurrent loans to loans | 0.8567% | 2,316 |
| Net loans and leases to total assets | 75.8610% | 1,436 |
| Net loans and leases to deposits | 96.1165% | 927 |
| Net loans and leases to core deposits | 119.6587% | 470 |
| Total domestic deposits to total assets | 78.9260% | 4,835 |
| Equity capital to assets | 12.7539% | 1,380 |
| Core capital (leverage) ratio | 12.3929% | 1,395 |
| Tier 1 risk-based capital ratio | 13.5368% | 3,752 |
| Total risk-based capital ratio | 14.7917% | 3,659 |
| Memoranda: |
| Average total assets | $2,492,515,500 | 356 |
| Average earning assets | $2,349,728,500 | 347 |
| Average equity | $318,055,500 | 322 |
| Average total loans | $1,906,787,500 | 327 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9392% | 3,421 |
| Cost of funding earning assets | 0.3254% | 3,793 |
| Net interest margin | 3.6138% | 3,027 |
| Noninterest income to average assets | 0.6681% | 2,326 |
| Noninterest expense to average assets | 2.5783% | 3,746 |
| Loan and lease loss provision to assets | 0.1983% | 1,175 |
| Net operating income to assets | 0.8309% | 3,151 |
| Return on assets (ROA) | 0.8388% | 3,222 |
| Pretax return on assets | 1.3041% | 2,267 |
| Return on Equity (ROE) | 6.5053% | 3,737 |
| Retained earnings to average equity (ytd only) | 3.2801% | 3,578 |
| Net charge-offs to loans | 0.1821% | 1,520 |
| Credit loss provision to net charge-offs | 143.2562% | 1,915 |
| Earnings coverage of net charge-offs (x) | 10.7645% | 2,604 |
| Efficiency ratio | 62.7638% | 4,139 |
| Assets per employee ($millions) | 6.3791% | 1,220 |
| Cash dividends to net income (ytd only)* | 49.5786% | 2,323 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4675% | 1,805 |
| Loan loss allowance to noncurrent loans | 165.6603% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 2,647 |
| Noncurrent loans to loans | 0.8858% | 2,332 |
| Net loans and leases to total assets | 74.9209% | 1,705 |
| Net loans and leases to deposits | 94.5362% | 1,139 |
| Net loans and leases to core deposits | 118.9338% | 515 |
| Total domestic deposits to total assets | 79.2511% | 4,735 |
| Equity capital to assets | 12.7670% | 1,365 |
| Core capital (leverage) ratio | 12.3689% | 1,394 |
| Tier 1 risk-based capital ratio | 13.6648% | 3,666 |
| Total risk-based capital ratio | 14.9204% | 3,571 |
| Memoranda: |
| Average total assets | $2,404,716,600 | 348 |
| Average earning assets | $2,262,695,600 | 339 |
| Average equity | $310,054,800 | 314 |
| Average total loans | $1,827,987,200 | 326 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9387% | 3,461 |
| Cost of funding earning assets | 0.3154% | 3,922 |
| Net interest margin | 3.6233% | 2,994 |
| Noninterest income to average assets | 0.6599% | 2,365 |
| Noninterest expense to average assets | 2.6367% | 3,547 |
| Loan and lease loss provision to assets | 0.3404% | 472 |
| Net operating income to assets | 0.7075% | 3,803 |
| Return on assets (ROA) | 0.7182% | 3,893 |
| Pretax return on assets | 1.1085% | 3,193 |
| Return on Equity (ROE) | 5.5560% | 4,286 |
| Retained earnings to average equity (ytd only) | 1.2380% | 5,013 |
| Net charge-offs to loans | 0.2755% | 839 |
| Credit loss provision to net charge-offs | 162.5267% | 1,684 |
| Earnings coverage of net charge-offs (x) | 6.8401% | 2,952 |
| Efficiency ratio | 64.1725% | 3,902 |
| Assets per employee ($millions) | 6.2611% | 1,258 |
| Cash dividends to net income (ytd only)* | 77.7182% | 798 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5133% | 1,721 |
| Loan loss allowance to noncurrent loans | 115.8233% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 1,892 |
| Noncurrent loans to loans | 1.3066% | 1,702 |
| Net loans and leases to total assets | 75.2519% | 1,661 |
| Net loans and leases to deposits | 94.4216% | 1,220 |
| Net loans and leases to core deposits | 119.2858% | 527 |
| Total domestic deposits to total assets | 79.6977% | 4,577 |
| Equity capital to assets | 12.5968% | 1,710 |
| Core capital (leverage) ratio | 12.2938% | 1,485 |
| Tier 1 risk-based capital ratio | 13.1170% | 4,088 |
| Total risk-based capital ratio | 14.3716% | 3,993 |
| Memoranda: |
| Average total assets | $2,388,716,500 | 349 |
| Average earning assets | $2,247,635,750 | 340 |
| Average equity | $308,773,000 | 315 |
| Average total loans | $1,815,701,000 | 327 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9604% | 3,381 |
| Cost of funding earning assets | 0.3053% | 4,063 |
| Net interest margin | 3.6551% | 2,872 |
| Noninterest income to average assets | 0.5920% | 2,660 |
| Noninterest expense to average assets | 2.6172% | 3,668 |
| Loan and lease loss provision to assets | 0.3709% | 425 |
| Net operating income to assets | 0.6752% | 3,928 |
| Return on assets (ROA) | 0.6912% | 3,989 |
| Pretax return on assets | 1.0699% | 3,325 |
| Return on Equity (ROE) | 5.3006% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.0579% | 4,536 |
| Net charge-offs to loans | 0.4030% | 563 |
| Credit loss provision to net charge-offs | 121.3001% | 1,847 |
| Earnings coverage of net charge-offs (x) | 4.6318% | 2,969 |
| Efficiency ratio | 64.2391% | 3,978 |
| Assets per employee ($millions) | 5.8402% | 1,518 |
| Cash dividends to net income (ytd only)* | 61.1770% | 1,477 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4756% | 1,964 |
| Loan loss allowance to noncurrent loans | 120.0465% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 2,091 |
| Noncurrent loans to loans | 1.2292% | 1,869 |
| Net loans and leases to total assets | 74.9437% | 1,662 |
| Net loans and leases to deposits | 93.7520% | 1,312 |
| Net loans and leases to core deposits | 114.7546% | 694 |
| Total domestic deposits to total assets | 79.9383% | 4,562 |
| Equity capital to assets | 12.9842% | 1,511 |
| Core capital (leverage) ratio | 12.4951% | 1,357 |
| Tier 1 risk-based capital ratio | 13.5291% | 3,882 |
| Total risk-based capital ratio | 14.7828% | 3,789 |
| Memoranda: |
| Average total assets | $2,364,749,670 | 350 |
| Average earning assets | $2,226,425,670 | 342 |
| Average equity | $308,377,330 | 312 |
| Average total loans | $1,794,230,670 | 328 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9789% | 3,293 |
| Cost of funding earning assets | 0.2929% | 4,248 |
| Net interest margin | 3.6860% | 2,725 |
| Noninterest income to average assets | 0.5599% | 2,744 |
| Noninterest expense to average assets | 2.6931% | 3,439 |
| Loan and lease loss provision to assets | 0.7447% | 142 |
| Net operating income to assets | 0.3841% | 5,044 |
| Return on assets (ROA) | 0.3978% | 5,077 |
| Pretax return on assets | 0.6198% | 4,760 |
| Return on Equity (ROE) | 3.0438% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.0438% | 3,988 |
| Net charge-offs to loans | 0.7442% | 279 |
| Credit loss provision to net charge-offs | 132.0555% | 1,356 |
| Earnings coverage of net charge-offs (x) | 2.3815% | 2,688 |
| Efficiency ratio | 66.0495% | 3,795 |
| Assets per employee ($millions) | 5.7226% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5247% | 1,890 |
| Loan loss allowance to noncurrent loans | 122.0101% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.0434% | 2,126 |
| Noncurrent loans to loans | 1.2496% | 1,933 |
| Net loans and leases to total assets | 74.6055% | 1,628 |
| Net loans and leases to deposits | 91.7692% | 1,377 |
| Net loans and leases to core deposits | 110.7656% | 815 |
| Total domestic deposits to total assets | 81.2969% | 4,404 |
| Equity capital to assets | 13.1448% | 1,343 |
| Core capital (leverage) ratio | 12.5598% | 1,314 |
| Tier 1 risk-based capital ratio | 13.2020% | 4,138 |
| Total risk-based capital ratio | 14.4558% | 4,067 |
| Memoranda: |
| Average total assets | $2,349,891,500 | 351 |
| Average earning assets | $2,216,172,000 | 342 |
| Average equity | $307,115,000 | 314 |
| Average total loans | $1,780,657,000 | 325 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7711% | 4,133 |
| Cost of funding earning assets | 0.2444% | 4,842 |
| Net interest margin | 3.5267% | 3,423 |
| Noninterest income to average assets | 0.6955% | 2,222 |
| Noninterest expense to average assets | 2.7721% | 3,346 |
| Loan and lease loss provision to assets | -0.1723% | 5,955 |
| Net operating income to assets | 0.9311% | 2,699 |
| Return on assets (ROA) | 0.9311% | 2,784 |
| Pretax return on assets | 1.4609% | 1,679 |
| Return on Equity (ROE) | 6.8865% | 3,572 |
| Retained earnings to average equity (ytd only) | -0.2620% | 5,546 |
| Net charge-offs to loans | -0.0801% | 5,712 |
| Credit loss provision to net charge-offs | 292.2951% | 1,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8667% | 3,591 |
| Assets per employee ($millions) | 5.6985% | 1,616 |
| Cash dividends to net income (ytd only)* | 103.8044% | 351 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4671% | 2,146 |
| Loan loss allowance to noncurrent loans | 128.5567% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9618% | 2,270 |
| Noncurrent loans to loans | 1.1412% | 2,059 |
| Net loans and leases to total assets | 74.6798% | 1,615 |
| Net loans and leases to deposits | 91.3596% | 1,468 |
| Net loans and leases to core deposits | 106.3402% | 1,081 |
| Total domestic deposits to total assets | 81.7426% | 4,242 |
| Equity capital to assets | 12.9937% | 1,351 |
| Core capital (leverage) ratio | 12.6643% | 1,278 |
| Tier 1 risk-based capital ratio | 13.6494% | 3,918 |
| Total risk-based capital ratio | 14.9031% | 3,847 |
| Memoranda: |
| Average total assets | $2,069,338,800 | 372 |
| Average earning assets | $1,974,495,600 | 362 |
| Average equity | $279,780,600 | 321 |
| Average total loans | $1,523,037,800 | 346 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6834% | 4,463 |
| Cost of funding earning assets | 0.2340% | 5,056 |
| Net interest margin | 3.4494% | 3,753 |
| Noninterest income to average assets | 0.6814% | 2,323 |
| Noninterest expense to average assets | 2.7008% | 3,560 |
| Loan and lease loss provision to assets | -0.2000% | 6,097 |
| Net operating income to assets | 0.9445% | 2,737 |
| Return on assets (ROA) | 0.9445% | 2,840 |
| Pretax return on assets | 1.4822% | 1,728 |
| Return on Equity (ROE) | 6.9069% | 3,678 |
| Retained earnings to average equity (ytd only) | -2.8445% | 5,920 |
| Net charge-offs to loans | -0.1043% | 5,801 |
| Credit loss provision to net charge-offs | 262.9273% | 1,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4931% | 3,630 |
| Assets per employee ($millions) | 5.7303% | 1,565 |
| Cash dividends to net income (ytd only)* | 141.1831% | 142 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7178% | 1,435 |
| Loan loss allowance to noncurrent loans | 176.3812% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8458% | 2,763 |
| Noncurrent loans to loans | 0.9739% | 2,543 |
| Net loans and leases to total assets | 74.1676% | 1,710 |
| Net loans and leases to deposits | 91.2420% | 1,495 |
| Net loans and leases to core deposits | 107.4270% | 1,008 |
| Total domestic deposits to total assets | 81.2867% | 4,397 |
| Equity capital to assets | 13.4434% | 1,257 |
| Core capital (leverage) ratio | 13.5585% | 994 |
| Tier 1 risk-based capital ratio | 14.5119% | 3,564 |
| Total risk-based capital ratio | 15.7684% | 3,480 |
| Memoranda: |
| Average total assets | $1,999,726,250 | 383 |
| Average earning assets | $1,914,000,250 | 370 |
| Average equity | $273,459,750 | 333 |
| Average total loans | $1,458,940,000 | 362 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6458% | 4,589 |
| Cost of funding earning assets | 0.2300% | 5,145 |
| Net interest margin | 3.4157% | 3,851 |
| Noninterest income to average assets | 0.6219% | 2,618 |
| Noninterest expense to average assets | 2.6919% | 3,619 |
| Loan and lease loss provision to assets | -0.3050% | 6,230 |
| Net operating income to assets | 0.9608% | 2,581 |
| Return on assets (ROA) | 0.9608% | 2,694 |
| Pretax return on assets | 1.5113% | 1,616 |
| Return on Equity (ROE) | 6.9853% | 3,612 |
| Retained earnings to average equity (ytd only) | -7.6836% | 6,117 |
| Net charge-offs to loans | -0.1105% | 5,823 |
| Credit loss provision to net charge-offs | 382.6582% | 769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7301% | 3,548 |
| Assets per employee ($millions) | 5.6043% | 1,655 |
| Cash dividends to net income (ytd only)* | 209.9958% | 100 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8089% | 1,353 |
| Loan loss allowance to noncurrent loans | 295.0264% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 3,752 |
| Noncurrent loans to loans | 0.6131% | 3,628 |
| Net loans and leases to total assets | 70.3459% | 2,266 |
| Net loans and leases to deposits | 85.3760% | 2,124 |
| Net loans and leases to core deposits | 98.5686% | 1,607 |
| Total domestic deposits to total assets | 82.3953% | 4,153 |
| Equity capital to assets | 13.3698% | 1,233 |
| Core capital (leverage) ratio | 13.7006% | 928 |
| Tier 1 risk-based capital ratio | 15.1392% | 3,281 |
| Total risk-based capital ratio | 16.3969% | 3,213 |
| Memoranda: |
| Average total assets | $1,982,490,000 | 385 |
| Average earning assets | $1,901,545,000 | 372 |
| Average equity | $272,685,670 | 330 |
| Average total loans | $1,429,222,000 | 365 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6461% | 4,544 |
| Cost of funding earning assets | 0.2269% | 5,248 |
| Net interest margin | 3.4192% | 3,764 |
| Noninterest income to average assets | 0.5900% | 2,700 |
| Noninterest expense to average assets | 2.6481% | 3,751 |
| Loan and lease loss provision to assets | -0.3847% | 6,331 |
| Net operating income to assets | 1.0075% | 2,234 |
| Return on assets (ROA) | 1.0075% | 2,371 |
| Pretax return on assets | 1.6170% | 1,229 |
| Return on Equity (ROE) | 7.2203% | 3,387 |
| Retained earnings to average equity (ytd only) | -22.0000% | 6,291 |
| Net charge-offs to loans | -0.1931% | 6,051 |
| Credit loss provision to net charge-offs | 275.4745% | 866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9117% | 3,841 |
| Assets per employee ($millions) | 5.5389% | 1,766 |
| Cash dividends to net income (ytd only)* | 404.6945% | 46 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8947% | 1,297 |
| Loan loss allowance to noncurrent loans | 297.7817% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 3,767 |
| Noncurrent loans to loans | 0.6363% | 3,681 |
| Net loans and leases to total assets | 70.7625% | 2,027 |
| Net loans and leases to deposits | 85.0611% | 1,945 |
| Net loans and leases to core deposits | 96.0714% | 1,607 |
| Total domestic deposits to total assets | 83.1902% | 4,123 |
| Equity capital to assets | 13.3807% | 1,228 |
| Core capital (leverage) ratio | 13.3057% | 1,049 |
| Tier 1 risk-based capital ratio | 15.2737% | 3,280 |
| Total risk-based capital ratio | 16.5313% | 3,201 |
| Memoranda: |
| Average total assets | $1,962,154,000 | 387 |
| Average earning assets | $1,888,263,500 | 374 |
| Average equity | $273,782,000 | 329 |
| Average total loans | $1,419,118,000 | 361 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8771% | 4,212 |
| Cost of funding earning assets | 0.2484% | 5,340 |
| Net interest margin | 3.6286% | 3,298 |
| Noninterest income to average assets | 0.9065% | 1,484 |
| Noninterest expense to average assets | 2.9430% | 3,021 |
| Loan and lease loss provision to assets | -0.3431% | 6,395 |
| Net operating income to assets | 1.1060% | 1,953 |
| Return on assets (ROA) | 1.1313% | 1,916 |
| Pretax return on assets | 1.8160% | 766 |
| Return on Equity (ROE) | 8.0317% | 3,120 |
| Retained earnings to average equity (ytd only) | 1.4125% | 5,133 |
| Net charge-offs to loans | 0.1183% | 2,860 |
| Credit loss provision to net charge-offs | -417.3913% | 5,757 |
| Earnings coverage of net charge-offs (x) | 17.4354% | 1,925 |
| Efficiency ratio | 66.7992% | 4,092 |
| Assets per employee ($millions) | 5.3769% | 1,882 |
| Cash dividends to net income (ytd only)* | 82.4138% | 816 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0323% | 1,052 |
| Loan loss allowance to noncurrent loans | 302.2628% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 3,628 |
| Noncurrent loans to loans | 0.6724% | 3,666 |
| Net loans and leases to total assets | 71.0524% | 2,066 |
| Net loans and leases to deposits | 87.8707% | 1,749 |
| Net loans and leases to core deposits | 96.9623% | 1,638 |
| Total domestic deposits to total assets | 80.8602% | 4,778 |
| Equity capital to assets | 14.5444% | 797 |
| Core capital (leverage) ratio | 14.6383% | 674 |
| Tier 1 risk-based capital ratio | 17.5509% | 2,298 |
| Total risk-based capital ratio | 18.8132% | 2,262 |
| Memoranda: |
| Average total assets | $1,930,554,800 | 379 |
| Average earning assets | $1,846,036,200 | 364 |
| Average equity | $271,934,800 | 315 |
| Average total loans | $1,341,309,600 | 359 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8640% | 4,308 |
| Cost of funding earning assets | 0.2544% | 5,360 |
| Net interest margin | 3.6096% | 3,388 |
| Noninterest income to average assets | 0.9700% | 1,310 |
| Noninterest expense to average assets | 2.9542% | 2,950 |
| Loan and lease loss provision to assets | -0.2927% | 6,454 |
| Net operating income to assets | 1.0925% | 2,060 |
| Return on assets (ROA) | 1.1263% | 2,007 |
| Pretax return on assets | 1.8079% | 879 |
| Return on Equity (ROE) | 8.0617% | 3,166 |
| Retained earnings to average equity (ytd only) | -0.8359% | 5,940 |
| Net charge-offs to loans | 0.1515% | 2,278 |
| Credit loss provision to net charge-offs | -281.2210% | 5,632 |
| Earnings coverage of net charge-offs (x) | 14.0518% | 2,169 |
| Efficiency ratio | 66.3988% | 4,155 |
| Assets per employee ($millions) | 5.3738% | 1,841 |
| Cash dividends to net income (ytd only)* | 110.3685% | 261 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2610% | 867 |
| Loan loss allowance to noncurrent loans | 205.2922% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.9812% | 2,996 |
| Noncurrent loans to loans | 1.1014% | 2,864 |
| Net loans and leases to total assets | 70.8552% | 2,044 |
| Net loans and leases to deposits | 87.5084% | 1,731 |
| Net loans and leases to core deposits | 98.0359% | 1,526 |
| Total domestic deposits to total assets | 80.9696% | 4,827 |
| Equity capital to assets | 14.5520% | 841 |
| Core capital (leverage) ratio | 14.7218% | 670 |
| Tier 1 risk-based capital ratio | 17.5062% | 2,395 |
| Total risk-based capital ratio | 18.7712% | 2,349 |
| Memoranda: |
| Average total assets | $1,930,613,500 | 374 |
| Average earning assets | $1,843,487,500 | 361 |
| Average equity | $269,730,000 | 313 |
| Average total loans | $1,326,639,250 | 360 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8811% | 4,217 |
| Cost of funding earning assets | 0.2608% | 5,378 |
| Net interest margin | 3.6202% | 3,280 |
| Noninterest income to average assets | 1.0951% | 992 |
| Noninterest expense to average assets | 3.0040% | 2,814 |
| Loan and lease loss provision to assets | -0.1379% | 6,413 |
| Net operating income to assets | 1.0447% | 2,140 |
| Return on assets (ROA) | 1.0950% | 2,023 |
| Pretax return on assets | 1.7576% | 917 |
| Return on Equity (ROE) | 7.9442% | 3,128 |
| Retained earnings to average equity (ytd only) | -5.4813% | 6,263 |
| Net charge-offs to loans | 0.3410% | 1,193 |
| Credit loss provision to net charge-offs | -59.8928% | 5,188 |
| Earnings coverage of net charge-offs (x) | 6.6954% | 2,736 |
| Efficiency ratio | 65.5425% | 4,435 |
| Assets per employee ($millions) | 5.1430% | 2,034 |
| Cash dividends to net income (ytd only)* | 168.9982% | 170 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4486% | 765 |
| Loan loss allowance to noncurrent loans | 204.6582% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0924% | 2,883 |
| Noncurrent loans to loans | 1.1964% | 2,842 |
| Net loans and leases to total assets | 70.4048% | 2,016 |
| Net loans and leases to deposits | 87.8963% | 1,607 |
| Net loans and leases to core deposits | 95.3675% | 1,655 |
| Total domestic deposits to total assets | 80.0999% | 5,210 |
| Equity capital to assets | 14.3837% | 852 |
| Core capital (leverage) ratio | 13.6577% | 930 |
| Tier 1 risk-based capital ratio | 17.2133% | 2,530 |
| Total risk-based capital ratio | 18.4808% | 2,486 |
| Memoranda: |
| Average total assets | $1,945,417,330 | 372 |
| Average earning assets | $1,853,978,330 | 358 |
| Average equity | $268,146,330 | 310 |
| Average total loans | $1,313,056,000 | 359 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7602% | 4,634 |
| Cost of funding earning assets | 0.2655% | 5,436 |
| Net interest margin | 3.4947% | 3,723 |
| Noninterest income to average assets | 0.6107% | 2,670 |
| Noninterest expense to average assets | 2.8507% | 3,377 |
| Loan and lease loss provision to assets | -0.1990% | 6,566 |
| Net operating income to assets | 0.7999% | 3,155 |
| Return on assets (ROA) | 0.8173% | 3,135 |
| Pretax return on assets | 1.3166% | 2,041 |
| Return on Equity (ROE) | 6.0542% | 3,995 |
| Retained earnings to average equity (ytd only) | -20.8532% | 6,540 |
| Net charge-offs to loans | 0.2321% | 1,395 |
| Credit loss provision to net charge-offs | -131.2916% | 4,882 |
| Earnings coverage of net charge-offs (x) | 7.1944% | 2,144 |
| Efficiency ratio | 71.6524% | 3,548 |
| Assets per employee ($millions) | 5.0311% | 2,219 |
| Cash dividends to net income (ytd only)* | 444.4444% | 61 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6479% | 678 |
| Loan loss allowance to noncurrent loans | 219.1504% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0309% | 3,197 |
| Noncurrent loans to loans | 1.2083% | 3,027 |
| Net loans and leases to total assets | 64.2881% | 2,841 |
| Net loans and leases to deposits | 78.2340% | 2,519 |
| Net loans and leases to core deposits | 82.1695% | 2,722 |
| Total domestic deposits to total assets | 82.1741% | 4,892 |
| Equity capital to assets | 13.0834% | 1,272 |
| Core capital (leverage) ratio | 12.9103% | 1,200 |
| Tier 1 risk-based capital ratio | 17.0291% | 2,678 |
| Total risk-based capital ratio | 18.2989% | 2,620 |
| Memoranda: |
| Average total assets | $1,982,102,500 | 369 |
| Average earning assets | $1,888,937,000 | 352 |
| Average equity | $267,585,000 | 311 |
| Average total loans | $1,294,037,000 | 361 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8604% | 4,609 |
| Cost of funding earning assets | 0.3560% | 5,083 |
| Net interest margin | 3.5044% | 3,887 |
| Noninterest income to average assets | 0.9373% | 1,556 |
| Noninterest expense to average assets | 2.9384% | 3,233 |
| Loan and lease loss provision to assets | -0.3562% | 6,702 |
| Net operating income to assets | 1.0220% | 2,239 |
| Return on assets (ROA) | 1.0220% | 2,298 |
| Pretax return on assets | 1.6535% | 1,045 |
| Return on Equity (ROE) | 7.4676% | 3,308 |
| Retained earnings to average equity (ytd only) | 0.4271% | 5,659 |
| Net charge-offs to loans | 0.2163% | 2,730 |
| Credit loss provision to net charge-offs | -253.3029% | 6,026 |
| Earnings coverage of net charge-offs (x) | 9.2256% | 2,533 |
| Efficiency ratio | 68.8061% | 4,051 |
| Assets per employee ($millions) | 4.8927% | 2,320 |
| Cash dividends to net income (ytd only)* | 94.2803% | 545 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8890% | 529 |
| Loan loss allowance to noncurrent loans | 186.8896% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 1.1324% | 3,133 |
| Noncurrent loans to loans | 1.5458% | 2,576 |
| Net loans and leases to total assets | 62.6597% | 3,258 |
| Net loans and leases to deposits | 77.0499% | 2,848 |
| Net loans and leases to core deposits | 80.2582% | 3,103 |
| Total domestic deposits to total assets | 81.3236% | 5,094 |
| Equity capital to assets | 13.9232% | 932 |
| Core capital (leverage) ratio | 13.6524% | 912 |
| Tier 1 risk-based capital ratio | 18.5933% | 2,055 |
| Total risk-based capital ratio | 19.8656% | 2,010 |
| Memoranda: |
| Average total assets | $2,023,858,600 | 354 |
| Average earning assets | $1,904,896,200 | 335 |
| Average equity | $276,968,600 | 298 |
| Average total loans | $1,315,616,800 | 339 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8707% | 4,608 |
| Cost of funding earning assets | 0.3897% | 4,905 |
| Net interest margin | 3.4810% | 3,963 |
| Noninterest income to average assets | 1.0785% | 1,259 |
| Noninterest expense to average assets | 2.9387% | 3,173 |
| Loan and lease loss provision to assets | -0.0445% | 6,542 |
| Net operating income to assets | 0.9040% | 2,816 |
| Return on assets (ROA) | 0.9040% | 2,927 |
| Pretax return on assets | 1.4585% | 1,729 |
| Return on Equity (ROE) | 6.4339% | 3,959 |
| Retained earnings to average equity (ytd only) | -4.2291% | 6,456 |
| Net charge-offs to loans | 0.5832% | 1,078 |
| Credit loss provision to net charge-offs | -11.3485% | 5,612 |
| Earnings coverage of net charge-offs (x) | 3.6074% | 3,656 |
| Efficiency ratio | 67.3403% | 4,226 |
| Assets per employee ($millions) | 4.7354% | 2,531 |
| Cash dividends to net income (ytd only)* | 165.7317% | 106 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2270% | 439 |
| Loan loss allowance to noncurrent loans | 131.3221% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.6991% | 2,417 |
| Noncurrent loans to loans | 2.4573% | 1,775 |
| Net loans and leases to total assets | 66.9157% | 2,477 |
| Net loans and leases to deposits | 82.5576% | 2,061 |
| Net loans and leases to core deposits | 86.3603% | 2,368 |
| Total domestic deposits to total assets | 81.0534% | 5,201 |
| Equity capital to assets | 14.0481% | 956 |
| Core capital (leverage) ratio | 13.2519% | 1,111 |
| Tier 1 risk-based capital ratio | 17.4210% | 2,534 |
| Total risk-based capital ratio | 18.6984% | 2,500 |
| Memoranda: |
| Average total assets | $1,735,379,750 | 400 |
| Average earning assets | $1,632,305,500 | 387 |
| Average equity | $243,828,750 | 323 |
| Average total loans | $1,166,351,000 | 379 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8513% | 4,648 |
| Cost of funding earning assets | 0.4052% | 4,890 |
| Net interest margin | 3.4462% | 4,017 |
| Noninterest income to average assets | 1.1810% | 1,089 |
| Noninterest expense to average assets | 3.0564% | 2,813 |
| Loan and lease loss provision to assets | -0.0102% | 6,579 |
| Net operating income to assets | 0.8454% | 3,070 |
| Return on assets (ROA) | 0.8454% | 3,219 |
| Pretax return on assets | 1.3674% | 2,048 |
| Return on Equity (ROE) | 6.0168% | 4,165 |
| Retained earnings to average equity (ytd only) | 6.0168% | 2,432 |
| Net charge-offs to loans | 0.9191% | 677 |
| Credit loss provision to net charge-offs | -1.6710% | 5,422 |
| Earnings coverage of net charge-offs (x) | 2.2172% | 3,788 |
| Efficiency ratio | 69.0846% | 3,995 |
| Assets per employee ($millions) | 4.9094% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2257% | 477 |
| Loan loss allowance to noncurrent loans | 133.3274% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.6232% | 2,673 |
| Noncurrent loans to loans | 2.4194% | 1,935 |
| Net loans and leases to total assets | 64.9269% | 2,766 |
| Net loans and leases to deposits | 80.9431% | 2,187 |
| Net loans and leases to core deposits | 85.0816% | 2,428 |
| Total domestic deposits to total assets | 80.2129% | 5,562 |
| Equity capital to assets | 14.4491% | 835 |
| Core capital (leverage) ratio | 13.8646% | 859 |
| Tier 1 risk-based capital ratio | 18.7001% | 2,080 |
| Total risk-based capital ratio | 21.1612% | 1,712 |
| Memoranda: |
| Average total assets | $1,759,797,670 | 396 |
| Average earning assets | $1,650,702,670 | 379 |
| Average equity | $247,272,670 | 321 |
| Average total loans | $1,172,031,000 | 379 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8947% | 4,491 |
| Cost of funding earning assets | 0.4250% | 4,864 |
| Net interest margin | 3.4697% | 3,823 |
| Noninterest income to average assets | 1.0769% | 1,278 |
| Noninterest expense to average assets | 3.1137% | 2,632 |
| Loan and lease loss provision to assets | 0.0135% | 4,283 |
| Net operating income to assets | 0.6749% | 3,819 |
| Return on assets (ROA) | 0.6749% | 3,977 |
| Pretax return on assets | 1.1878% | 2,622 |
| Return on Equity (ROE) | 4.8698% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.8698% | 3,318 |
| Net charge-offs to loans | 1.2980% | 433 |
| Credit loss provision to net charge-offs | 1.5670% | 3,228 |
| Earnings coverage of net charge-offs (x) | 1.3946% | 3,367 |
| Efficiency ratio | 71.9879% | 3,615 |
| Assets per employee ($millions) | 4.9990% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3754% | 466 |
| Loan loss allowance to noncurrent loans | 126.5535% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 2.2681% | 2,058 |
| Noncurrent loans to loans | 2.6671% | 1,925 |
| Net loans and leases to total assets | 63.2673% | 2,836 |
| Net loans and leases to deposits | 78.1234% | 2,321 |
| Net loans and leases to core deposits | 82.5664% | 2,507 |
| Total domestic deposits to total assets | 80.9838% | 5,501 |
| Equity capital to assets | 14.0422% | 1,012 |
| Core capital (leverage) ratio | 13.3610% | 993 |
| Tier 1 risk-based capital ratio | 18.3385% | 2,247 |
| Total risk-based capital ratio | 20.8031% | 1,868 |
| Memoranda: |
| Average total assets | $1,778,098,500 | 392 |
| Average earning assets | $1,659,379,500 | 382 |
| Average equity | $246,416,000 | 327 |
| Average total loans | $1,179,991,500 | 375 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5759% | 3,095 |
| Cost of funding earning assets | 0.5672% | 4,670 |
| Net interest margin | 4.0087% | 2,362 |
| Noninterest income to average assets | 0.8448% | 2,059 |
| Noninterest expense to average assets | 2.8659% | 3,783 |
| Loan and lease loss provision to assets | 0.1736% | 3,448 |
| Net operating income to assets | 0.9371% | 2,613 |
| Return on assets (ROA) | 0.9653% | 2,717 |
| Pretax return on assets | 1.5576% | 1,497 |
| Return on Equity (ROE) | 6.6607% | 3,834 |
| Retained earnings to average equity (ytd only) | -16.9023% | 6,807 |
| Net charge-offs to loans | 0.0216% | 5,601 |
| Credit loss provision to net charge-offs | 1,109.0604% | 235 |
| Earnings coverage of net charge-offs (x) | 107.7718% | 357 |
| Efficiency ratio | 62.7821% | 5,120 |
| Assets per employee ($millions) | 4.9766% | 2,253 |
| Cash dividends to net income (ytd only)* | 353.7607% | 55 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5506% | 410 |
| Loan loss allowance to noncurrent loans | 116.4987% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 2.6419% | 1,834 |
| Noncurrent loans to loans | 3.0478% | 1,707 |
| Net loans and leases to total assets | 64.8472% | 2,748 |
| Net loans and leases to deposits | 79.7575% | 2,317 |
| Net loans and leases to core deposits | 85.0951% | 2,413 |
| Total domestic deposits to total assets | 81.3055% | 5,308 |
| Equity capital to assets | 13.6773% | 1,163 |
| Core capital (leverage) ratio | 12.6321% | 1,262 |
| Tier 1 risk-based capital ratio | 16.5487% | 2,863 |
| Total risk-based capital ratio | 18.9246% | 2,353 |
| Memoranda: |
| Average total assets | $1,903,479,000 | 374 |
| Average earning assets | $1,760,841,000 | 356 |
| Average equity | $275,855,800 | 292 |
| Average total loans | $1,379,406,200 | 325 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6694% | 2,927 |
| Cost of funding earning assets | 0.5872% | 4,773 |
| Net interest margin | 4.0823% | 2,158 |
| Noninterest income to average assets | 0.8108% | 2,191 |
| Noninterest expense to average assets | 2.7025% | 4,356 |
| Loan and lease loss provision to assets | 0.0465% | 5,192 |
| Net operating income to assets | 1.1290% | 1,987 |
| Return on assets (ROA) | 1.1306% | 2,177 |
| Pretax return on assets | 1.8436% | 966 |
| Return on Equity (ROE) | 7.7009% | 3,420 |
| Retained earnings to average equity (ytd only) | -22.8621% | 7,005 |
| Net charge-offs to loans | 0.0262% | 5,300 |
| Credit loss provision to net charge-offs | 240.7143% | 1,150 |
| Earnings coverage of net charge-offs (x) | 97.6653% | 434 |
| Efficiency ratio | 58.7157% | 5,693 |
| Assets per employee ($millions) | 4.9653% | 2,234 |
| Cash dividends to net income (ytd only)* | 396.8738% | 23 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0589% | 674 |
| Loan loss allowance to noncurrent loans | 165.1831% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 2.0641% | 2,572 |
| Noncurrent loans to loans | 1.8518% | 3,014 |
| Net loans and leases to total assets | 69.6471% | 1,983 |
| Net loans and leases to deposits | 84.9718% | 1,732 |
| Net loans and leases to core deposits | 90.8447% | 1,886 |
| Total domestic deposits to total assets | 81.9650% | 5,040 |
| Equity capital to assets | 13.3339% | 1,423 |
| Core capital (leverage) ratio | 12.1209% | 1,579 |
| Tier 1 risk-based capital ratio | 15.5782% | 3,491 |
| Total risk-based capital ratio | 17.8940% | 2,891 |
| Memoranda: |
| Average total assets | $1,931,457,500 | 367 |
| Average earning assets | $1,788,149,750 | 351 |
| Average equity | $283,560,250 | 283 |
| Average total loans | $1,423,120,750 | 316 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7307% | 2,795 |
| Cost of funding earning assets | 0.6097% | 4,814 |
| Net interest margin | 4.1210% | 2,008 |
| Noninterest income to average assets | 0.7780% | 2,301 |
| Noninterest expense to average assets | 2.7214% | 4,323 |
| Loan and lease loss provision to assets | 0.2566% | 2,526 |
| Net operating income to assets | 0.9973% | 2,476 |
| Return on assets (ROA) | 0.9996% | 2,690 |
| Pretax return on assets | 1.6144% | 1,504 |
| Return on Equity (ROE) | 6.6205% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.6205% | 2,319 |
| Net charge-offs to loans | 0.2611% | 3,015 |
| Credit loss provision to net charge-offs | 132.3715% | 2,071 |
| Earnings coverage of net charge-offs (x) | 9.6322% | 2,150 |
| Efficiency ratio | 59.1448% | 5,716 |
| Assets per employee ($millions) | 5.2123% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9414% | 829 |
| Loan loss allowance to noncurrent loans | 225.9218% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 1.7268% | 3,135 |
| Noncurrent loans to loans | 1.3019% | 3,971 |
| Net loans and leases to total assets | 69.2755% | 2,059 |
| Net loans and leases to deposits | 86.7874% | 1,506 |
| Net loans and leases to core deposits | 93.6690% | 1,639 |
| Total domestic deposits to total assets | 79.8221% | 5,786 |
| Equity capital to assets | 15.6896% | 643 |
| Core capital (leverage) ratio | 14.6545% | 661 |
| Tier 1 risk-based capital ratio | 18.4774% | 2,139 |
| Total risk-based capital ratio | 20.7339% | 1,824 |
| Memoranda: |
| Average total assets | $1,966,206,000 | 363 |
| Average earning assets | $1,818,212,670 | 346 |
| Average equity | $296,867,330 | 271 |
| Average total loans | $1,459,908,670 | 313 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8146% | 2,571 |
| Cost of funding earning assets | 0.6381% | 4,832 |
| Net interest margin | 4.1765% | 1,829 |
| Noninterest income to average assets | 0.8052% | 2,143 |
| Noninterest expense to average assets | 2.5550% | 4,976 |
| Loan and lease loss provision to assets | 0.4615% | 1,335 |
| Net operating income to assets | 1.0257% | 2,380 |
| Return on assets (ROA) | 1.0257% | 2,566 |
| Pretax return on assets | 1.6530% | 1,425 |
| Return on Equity (ROE) | 6.9248% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.9248% | 2,473 |
| Net charge-offs to loans | 0.2937% | 2,493 |
| Credit loss provision to net charge-offs | 207.6993% | 1,305 |
| Earnings coverage of net charge-offs (x) | 9.5172% | 1,835 |
| Efficiency ratio | 54.5533% | 6,287 |
| Assets per employee ($millions) | 5.2325% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8135% | 992 |
| Loan loss allowance to noncurrent loans | 442.5700% | 763 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 3,852 |
| Noncurrent loans to loans | 0.6357% | 5,371 |
| Net loans and leases to total assets | 73.0641% | 1,213 |
| Net loans and leases to deposits | 90.2851% | 941 |
| Net loans and leases to core deposits | 98.4496% | 1,095 |
| Total domestic deposits to total assets | 80.9259% | 5,626 |
| Equity capital to assets | 15.3392% | 689 |
| Core capital (leverage) ratio | 13.7643% | 863 |
| Tier 1 risk-based capital ratio | 17.2917% | 2,559 |
| Total risk-based capital ratio | 19.5097% | 2,187 |
| Memoranda: |
| Average total assets | $1,987,635,000 | 358 |
| Average earning assets | $1,839,067,500 | 344 |
| Average equity | $294,418,000 | 269 |
| Average total loans | $1,503,469,000 | 302 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9046% | 3,328 |
| Cost of funding earning assets | 0.8008% | 4,867 |
| Net interest margin | 4.1038% | 2,412 |
| Noninterest income to average assets | -0.3767% | 7,231 |
| Noninterest expense to average assets | 2.4678% | 5,572 |
| Loan and lease loss provision to assets | 5.4212% | 14 |
| Net operating income to assets | -2.6963% | 7,140 |
| Return on assets (ROA) | -2.6963% | 7,148 |
| Pretax return on assets | -4.4153% | 7,289 |
| Return on Equity (ROE) | -18.2166% | 6,957 |
| Retained earnings to average equity (ytd only) | -18.2166% | 6,942 |
| Net charge-offs to loans | 7.2043% | 24 |
| Credit loss provision to net charge-offs | 89.6068% | 4,023 |
| Earnings coverage of net charge-offs (x) | 0.1663% | 5,713 |
| Efficiency ratio | 70.8310% | 3,807 |
| Assets per employee ($millions) | 5.4818% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5629% | 1,234 |
| Loan loss allowance to noncurrent loans | 484.7251% | 707 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 4,113 |
| Noncurrent loans to loans | 0.5287% | 5,656 |
| Net loans and leases to total assets | 74.1297% | 1,252 |
| Net loans and leases to deposits | 90.3163% | 1,125 |
| Net loans and leases to core deposits | 97.8954% | 1,336 |
| Total domestic deposits to total assets | 82.0779% | 5,104 |
| Equity capital to assets | 14.3124% | 965 |
| Core capital (leverage) ratio | 12.4643% | 1,363 |
| Tier 1 risk-based capital ratio | 16.3276% | 2,896 |
| Total risk-based capital ratio | 18.4807% | 2,466 |
| Memoranda: |
| Average total assets | $2,300,600,400 | 303 |
| Average earning assets | $2,158,602,600 | 290 |
| Average equity | $340,513,800 | 241 |
| Average total loans | $1,932,007,200 | 241 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9270% | 3,442 |
| Cost of funding earning assets | 0.8298% | 4,950 |
| Net interest margin | 4.0972% | 2,488 |
| Noninterest income to average assets | 0.7066% | 2,565 |
| Noninterest expense to average assets | 2.4436% | 5,650 |
| Loan and lease loss provision to assets | 2.6683% | 152 |
| Net operating income to assets | -0.3056% | 6,505 |
| Return on assets (ROA) | -0.3056% | 6,562 |
| Pretax return on assets | -0.5491% | 6,651 |
| Return on Equity (ROE) | -2.0498% | 6,481 |
| Retained earnings to average equity (ytd only) | -2.0498% | 6,302 |
| Net charge-offs to loans | 2.7230% | 380 |
| Credit loss provision to net charge-offs | 114.3696% | 2,856 |
| Earnings coverage of net charge-offs (x) | 0.9084% | 4,942 |
| Efficiency ratio | 53.3939% | 6,552 |
| Assets per employee ($millions) | 6.0006% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2373% | 697 |
| Loan loss allowance to noncurrent loans | 47.7948% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 8.4167% | 501 |
| Noncurrent loans to loans | 6.7734% | 752 |
| Net loans and leases to total assets | 80.1466% | 505 |
| Net loans and leases to deposits | 100.4546% | 452 |
| Net loans and leases to core deposits | 111.3882% | 626 |
| Total domestic deposits to total assets | 79.7839% | 5,801 |
| Equity capital to assets | 15.5524% | 712 |
| Core capital (leverage) ratio | 14.8818% | 690 |
| Tier 1 risk-based capital ratio | 17.1221% | 2,598 |
| Total risk-based capital ratio | 19.1449% | 2,257 |
| Memoranda: |
| Average total assets | $2,365,940,750 | 298 |
| Average earning assets | $2,226,817,000 | 281 |
| Average equity | $352,676,250 | 238 |
| Average total loans | $2,027,148,000 | 235 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9218% | 3,526 |
| Cost of funding earning assets | 0.8668% | 4,932 |
| Net interest margin | 4.0550% | 2,592 |
| Noninterest income to average assets | 0.6960% | 2,574 |
| Noninterest expense to average assets | 2.2904% | 6,155 |
| Loan and lease loss provision to assets | 1.9661% | 319 |
| Net operating income to assets | 0.2547% | 5,544 |
| Return on assets (ROA) | 0.2547% | 5,663 |
| Pretax return on assets | 0.2732% | 5,732 |
| Return on Equity (ROE) | 1.7322% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.7322% | 5,129 |
| Net charge-offs to loans | 2.7148% | 408 |
| Credit loss provision to net charge-offs | 83.6587% | 3,659 |
| Earnings coverage of net charge-offs (x) | 0.9528% | 4,589 |
| Efficiency ratio | 50.3991% | 6,907 |
| Assets per employee ($millions) | 6.2707% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4731% | 1,484 |
| Loan loss allowance to noncurrent loans | 36.3099% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 7.4512% | 653 |
| Noncurrent loans to loans | 6.8112% | 781 |
| Net loans and leases to total assets | 83.8614% | 253 |
| Net loans and leases to deposits | 105.0474% | 290 |
| Net loans and leases to core deposits | 116.1666% | 514 |
| Total domestic deposits to total assets | 79.8320% | 5,876 |
| Equity capital to assets | 15.2661% | 757 |
| Core capital (leverage) ratio | 14.7290% | 722 |
| Tier 1 risk-based capital ratio | 16.5268% | 2,729 |
| Total risk-based capital ratio | 18.4976% | 2,402 |
| Memoranda: |
| Average total assets | $2,406,514,330 | 293 |
| Average earning assets | $2,275,114,330 | 278 |
| Average equity | $353,891,670 | 240 |
| Average total loans | $2,083,249,330 | 236 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9168% | 3,501 |
| Cost of funding earning assets | 0.9002% | 4,923 |
| Net interest margin | 4.0167% | 2,620 |
| Noninterest income to average assets | 0.6275% | 2,987 |
| Noninterest expense to average assets | 2.2901% | 6,214 |
| Loan and lease loss provision to assets | 1.3851% | 479 |
| Net operating income to assets | 0.4512% | 4,716 |
| Return on assets (ROA) | 0.4512% | 4,799 |
| Pretax return on assets | 0.7545% | 4,083 |
| Return on Equity (ROE) | 3.1249% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.1249% | 4,296 |
| Net charge-offs to loans | 1.2475% | 1,114 |
| Credit loss provision to net charge-offs | 127.8483% | 2,159 |
| Earnings coverage of net charge-offs (x) | 1.9749% | 3,322 |
| Efficiency ratio | 51.5281% | 6,890 |
| Assets per employee ($millions) | 6.7207% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6918% | 1,212 |
| Loan loss allowance to noncurrent loans | 43.3352% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 7.0442% | 755 |
| Noncurrent loans to loans | 6.2116% | 999 |
| Net loans and leases to total assets | 83.7768% | 240 |
| Net loans and leases to deposits | 103.4456% | 329 |
| Net loans and leases to core deposits | 118.4901% | 460 |
| Total domestic deposits to total assets | 80.9863% | 5,659 |
| Equity capital to assets | 14.6399% | 843 |
| Core capital (leverage) ratio | 14.2754% | 785 |
| Tier 1 risk-based capital ratio | 15.9685% | 2,915 |
| Total risk-based capital ratio | 17.9196% | 2,572 |
| Memoranda: |
| Average total assets | $2,443,426,000 | 292 |
| Average earning assets | $2,312,946,500 | 276 |
| Average equity | $352,782,500 | 236 |
| Average total loans | $2,121,956,500 | 229 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0525% | 4,308 |
| Cost of funding earning assets | 1.1238% | 5,006 |
| Net interest margin | 3.9287% | 3,353 |
| Noninterest income to average assets | 0.6077% | 3,427 |
| Noninterest expense to average assets | 2.1230% | 6,789 |
| Loan and lease loss provision to assets | 1.1820% | 1,333 |
| Net operating income to assets | 0.6555% | 3,414 |
| Return on assets (ROA) | 0.7198% | 3,276 |
| Pretax return on assets | 1.1354% | 2,443 |
| Return on Equity (ROE) | 5.6243% | 3,773 |
| Retained earnings to average equity (ytd only) | 5.6243% | 2,038 |
| Net charge-offs to loans | 1.5742% | 1,386 |
| Credit loss provision to net charge-offs | 85.8532% | 5,296 |
| Earnings coverage of net charge-offs (x) | 1.6103% | 4,530 |
| Efficiency ratio | 48.7545% | 7,216 |
| Assets per employee ($millions) | 6.7231% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5095% | 1,398 |
| Loan loss allowance to noncurrent loans | 46.9913% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 6.1962% | 938 |
| Noncurrent loans to loans | 5.3404% | 1,234 |
| Net loans and leases to total assets | 85.3804% | 215 |
| Net loans and leases to deposits | 105.2703% | 350 |
| Net loans and leases to core deposits | 121.9206% | 474 |
| Total domestic deposits to total assets | 81.1059% | 5,494 |
| Equity capital to assets | 14.2401% | 968 |
| Core capital (leverage) ratio | 13.8377% | 875 |
| Tier 1 risk-based capital ratio | 15.2861% | 3,108 |
| Total risk-based capital ratio | 17.2127% | 2,724 |
| Memoranda: |
| Average total assets | $2,621,499,400 | 272 |
| Average earning assets | $2,490,499,000 | 258 |
| Average equity | $335,491,000 | 236 |
| Average total loans | $2,292,791,400 | 216 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0233% | 4,707 |
| Cost of funding earning assets | 1.1628% | 5,074 |
| Net interest margin | 3.8605% | 3,709 |
| Noninterest income to average assets | 0.5897% | 3,507 |
| Noninterest expense to average assets | 2.0334% | 6,990 |
| Loan and lease loss provision to assets | 1.2239% | 1,158 |
| Net operating income to assets | 0.6125% | 3,822 |
| Return on assets (ROA) | 0.6969% | 3,586 |
| Pretax return on assets | 1.1342% | 2,717 |
| Return on Equity (ROE) | 5.5918% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.5918% | 2,598 |
| Net charge-offs to loans | 0.9120% | 2,176 |
| Credit loss provision to net charge-offs | 153.4888% | 2,509 |
| Earnings coverage of net charge-offs (x) | 2.7919% | 3,744 |
| Efficiency ratio | 47.5742% | 7,296 |
| Assets per employee ($millions) | 6.8487% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0217% | 807 |
| Loan loss allowance to noncurrent loans | 52.3896% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 6.4756% | 883 |
| Noncurrent loans to loans | 5.7677% | 1,123 |
| Net loans and leases to total assets | 85.4636% | 239 |
| Net loans and leases to deposits | 104.0510% | 426 |
| Net loans and leases to core deposits | 125.6504% | 458 |
| Total domestic deposits to total assets | 82.1362% | 4,940 |
| Equity capital to assets | 13.6800% | 1,283 |
| Core capital (leverage) ratio | 13.2239% | 1,140 |
| Tier 1 risk-based capital ratio | 14.6533% | 3,423 |
| Total risk-based capital ratio | 16.5677% | 3,052 |
| Memoranda: |
| Average total assets | $2,660,028,000 | 264 |
| Average earning assets | $2,528,689,250 | 252 |
| Average equity | $331,524,500 | 236 |
| Average total loans | $2,325,766,750 | 213 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0152% | 4,876 |
| Cost of funding earning assets | 1.1942% | 5,160 |
| Net interest margin | 3.8210% | 3,805 |
| Noninterest income to average assets | 0.5642% | 3,592 |
| Noninterest expense to average assets | 1.9991% | 7,114 |
| Loan and lease loss provision to assets | 1.0075% | 1,443 |
| Net operating income to assets | 0.7178% | 3,318 |
| Return on assets (ROA) | 0.7190% | 3,470 |
| Pretax return on assets | 1.1945% | 2,436 |
| Return on Equity (ROE) | 5.9523% | 3,823 |
| Retained earnings to average equity (ytd only) | 5.9523% | 2,354 |
| Net charge-offs to loans | 0.8592% | 2,111 |
| Credit loss provision to net charge-offs | 134.4514% | 2,982 |
| Earnings coverage of net charge-offs (x) | 2.9359% | 3,529 |
| Efficiency ratio | 47.4451% | 7,371 |
| Assets per employee ($millions) | 7.0341% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7007% | 1,090 |
| Loan loss allowance to noncurrent loans | 59.2621% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 5.0353% | 1,275 |
| Noncurrent loans to loans | 4.5573% | 1,592 |
| Net loans and leases to total assets | 85.5660% | 253 |
| Net loans and leases to deposits | 103.5938% | 504 |
| Net loans and leases to core deposits | 127.2869% | 477 |
| Total domestic deposits to total assets | 82.5976% | 4,740 |
| Equity capital to assets | 13.0793% | 1,536 |
| Core capital (leverage) ratio | 12.6883% | 1,328 |
| Tier 1 risk-based capital ratio | 13.8044% | 3,872 |
| Total risk-based capital ratio | 15.6869% | 3,445 |
| Memoranda: |
| Average total assets | $2,697,468,330 | 262 |
| Average earning assets | $2,566,140,670 | 247 |
| Average equity | $325,857,000 | 238 |
| Average total loans | $2,352,621,000 | 213 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9865% | 5,077 |
| Cost of funding earning assets | 1.2363% | 5,200 |
| Net interest margin | 3.7502% | 4,008 |
| Noninterest income to average assets | 0.5586% | 3,581 |
| Noninterest expense to average assets | 1.9508% | 7,250 |
| Loan and lease loss provision to assets | 0.9585% | 1,309 |
| Net operating income to assets | 0.7294% | 3,310 |
| Return on assets (ROA) | 0.7294% | 3,417 |
| Pretax return on assets | 1.2171% | 2,308 |
| Return on Equity (ROE) | 6.2909% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.2909% | 2,470 |
| Net charge-offs to loans | 0.7946% | 1,937 |
| Credit loss provision to net charge-offs | 138.8723% | 2,547 |
| Earnings coverage of net charge-offs (x) | 3.1521% | 3,004 |
| Efficiency ratio | 47.1120% | 7,495 |
| Assets per employee ($millions) | 7.0524% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5908% | 1,190 |
| Loan loss allowance to noncurrent loans | 67.0574% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 4.0484% | 1,687 |
| Noncurrent loans to loans | 3.8636% | 2,048 |
| Net loans and leases to total assets | 85.1344% | 279 |
| Net loans and leases to deposits | 102.0199% | 643 |
| Net loans and leases to core deposits | 127.8106% | 541 |
| Total domestic deposits to total assets | 83.4489% | 4,411 |
| Equity capital to assets | 11.8152% | 2,154 |
| Core capital (leverage) ratio | 11.5094% | 1,906 |
| Tier 1 risk-based capital ratio | 12.5205% | 4,724 |
| Total risk-based capital ratio | 14.3879% | 4,202 |
| Memoranda: |
| Average total assets | $2,723,791,500 | 271 |
| Average earning assets | $2,591,327,500 | 255 |
| Average equity | $315,823,000 | 247 |
| Average total loans | $2,365,989,000 | 218 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1945% | 5,672 |
| Cost of funding earning assets | 1.6378% | 4,859 |
| Net interest margin | 3.5567% | 4,713 |
| Noninterest income to average assets | 0.5791% | 3,794 |
| Noninterest expense to average assets | 1.9652% | 7,420 |
| Loan and lease loss provision to assets | 1.3449% | 1,709 |
| Net operating income to assets | 0.4134% | 4,076 |
| Return on assets (ROA) | 0.4777% | 3,926 |
| Pretax return on assets | 0.7614% | 3,371 |
| Return on Equity (ROE) | 4.2309% | 3,990 |
| Retained earnings to average equity (ytd only) | 2.1306% | 3,612 |
| Net charge-offs to loans | 0.6528% | 3,233 |
| Credit loss provision to net charge-offs | 230.5748% | 1,595 |
| Earnings coverage of net charge-offs (x) | 3.4389% | 3,343 |
| Efficiency ratio | 49.3164% | 7,575 |
| Assets per employee ($millions) | 6.9708% | 810 |
| Cash dividends to net income (ytd only)* | 49.6411% | 2,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5022% | 1,224 |
| Loan loss allowance to noncurrent loans | 57.7027% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 4.3904% | 1,476 |
| Noncurrent loans to loans | 4.3364% | 1,656 |
| Net loans and leases to total assets | 84.1774% | 410 |
| Net loans and leases to deposits | 101.0033% | 826 |
| Net loans and leases to core deposits | 135.1356% | 998 |
| Total domestic deposits to total assets | 83.3412% | 4,368 |
| Equity capital to assets | 11.3784% | 2,413 |
| Core capital (leverage) ratio | 11.3702% | 1,994 |
| Tier 1 risk-based capital ratio | 11.9958% | 4,948 |
| Total risk-based capital ratio | 13.8440% | 4,396 |
| Memoranda: |
| Average total assets | $2,740,884,000 | 271 |
| Average earning assets | $2,613,912,400 | 257 |
| Average equity | $309,487,200 | 242 |
| Average total loans | $2,448,927,400 | 218 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2192% | 5,802 |
| Cost of funding earning assets | 1.7378% | 4,710 |
| Net interest margin | 3.4814% | 4,944 |
| Noninterest income to average assets | 0.5545% | 4,047 |
| Noninterest expense to average assets | 1.9540% | 7,461 |
| Loan and lease loss provision to assets | 1.2955% | 1,485 |
| Net operating income to assets | 0.3821% | 4,472 |
| Return on assets (ROA) | 0.4680% | 4,227 |
| Pretax return on assets | 0.7640% | 3,650 |
| Return on Equity (ROE) | 4.1524% | 4,322 |
| Retained earnings to average equity (ytd only) | 1.9930% | 4,211 |
| Net charge-offs to loans | 0.5453% | 3,053 |
| Credit loss provision to net charge-offs | 263.6490% | 1,613 |
| Earnings coverage of net charge-offs (x) | 3.9183% | 3,334 |
| Efficiency ratio | 50.1920% | 7,542 |
| Assets per employee ($millions) | 6.8156% | 857 |
| Cash dividends to net income (ytd only)* | 52.0021% | 1,923 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2416% | 1,359 |
| Loan loss allowance to noncurrent loans | 54.8105% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 3.9234% | 1,642 |
| Noncurrent loans to loans | 4.0898% | 1,788 |
| Net loans and leases to total assets | 88.3930% | 182 |
| Net loans and leases to deposits | 109.6889% | 477 |
| Net loans and leases to core deposits | 145.7121% | 701 |
| Total domestic deposits to total assets | 80.5851% | 5,221 |
| Equity capital to assets | 11.5020% | 2,582 |
| Core capital (leverage) ratio | 11.3607% | 2,149 |
| Tier 1 risk-based capital ratio | 11.6680% | 5,275 |
| Total risk-based capital ratio | 13.5015% | 4,687 |
| Memoranda: |
| Average total assets | $2,739,476,750 | 282 |
| Average earning assets | $2,616,349,000 | 268 |
| Average equity | $308,732,000 | 252 |
| Average total loans | $2,468,340,250 | 228 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2866% | 5,713 |
| Cost of funding earning assets | 1.8535% | 4,496 |
| Net interest margin | 3.4330% | 5,055 |
| Noninterest income to average assets | 0.5708% | 3,890 |
| Noninterest expense to average assets | 1.9658% | 7,524 |
| Loan and lease loss provision to assets | 1.2263% | 1,402 |
| Net operating income to assets | 0.3999% | 4,512 |
| Return on assets (ROA) | 0.5282% | 4,104 |
| Pretax return on assets | 0.8502% | 3,512 |
| Return on Equity (ROE) | 4.7191% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.4438% | 3,978 |
| Net charge-offs to loans | 0.4755% | 2,931 |
| Credit loss provision to net charge-offs | 286.5499% | 1,633 |
| Earnings coverage of net charge-offs (x) | 4.3834% | 3,112 |
| Efficiency ratio | 50.9906% | 7,597 |
| Assets per employee ($millions) | 6.8083% | 841 |
| Cash dividends to net income (ytd only)* | 48.2160% | 2,117 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0062% | 1,553 |
| Loan loss allowance to noncurrent loans | 60.7719% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 3.1999% | 1,959 |
| Noncurrent loans to loans | 3.3013% | 2,139 |
| Net loans and leases to total assets | 89.1018% | 178 |
| Net loans and leases to deposits | 110.7206% | 528 |
| Net loans and leases to core deposits | 144.0127% | 839 |
| Total domestic deposits to total assets | 80.4744% | 5,288 |
| Equity capital to assets | 11.4256% | 2,587 |
| Core capital (leverage) ratio | 11.0608% | 2,360 |
| Tier 1 risk-based capital ratio | 11.3692% | 5,533 |
| Total risk-based capital ratio | 13.1855% | 4,889 |
| Memoranda: |
| Average total assets | $2,748,437,000 | 288 |
| Average earning assets | $2,618,671,670 | 273 |
| Average equity | $307,641,670 | 257 |
| Average total loans | $2,473,545,330 | 236 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1401% | 6,525 |
| Cost of funding earning assets | 1.9398% | 4,434 |
| Net interest margin | 3.2003% | 5,857 |
| Noninterest income to average assets | 0.5687% | 3,770 |
| Noninterest expense to average assets | 1.9798% | 7,399 |
| Loan and lease loss provision to assets | 1.5011% | 839 |
| Net operating income to assets | 0.0573% | 6,104 |
| Return on assets (ROA) | 0.3129% | 5,427 |
| Pretax return on assets | 0.5221% | 5,011 |
| Return on Equity (ROE) | 2.8239% | 5,439 |
| Retained earnings to average equity (ytd only) | -0.4370% | 5,752 |
| Net charge-offs to loans | 0.7003% | 1,784 |
| Credit loss provision to net charge-offs | 239.3870% | 1,942 |
| Earnings coverage of net charge-offs (x) | 2.5898% | 3,462 |
| Efficiency ratio | 54.7482% | 7,140 |
| Assets per employee ($millions) | 7.1218% | 733 |
| Cash dividends to net income (ytd only)* | 115.4734% | 627 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7788% | 1,904 |
| Loan loss allowance to noncurrent loans | 54.1817% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 3.1266% | 1,794 |
| Noncurrent loans to loans | 3.2829% | 1,950 |
| Net loans and leases to total assets | 88.0326% | 259 |
| Net loans and leases to deposits | 110.7617% | 580 |
| Net loans and leases to core deposits | 143.1824% | 962 |
| Total domestic deposits to total assets | 79.4793% | 5,552 |
| Equity capital to assets | 10.9426% | 3,017 |
| Core capital (leverage) ratio | 10.8892% | 2,590 |
| Tier 1 risk-based capital ratio | 10.9444% | 5,951 |
| Total risk-based capital ratio | 12.7463% | 5,316 |
| Memoranda: |
| Average total assets | $2,767,813,000 | 285 |
| Average earning assets | $2,624,857,000 | 276 |
| Average equity | $306,663,500 | 259 |
| Average total loans | $2,478,414,500 | 238 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1748% | 4,641 |
| Cost of funding earning assets | 2.6334% | 3,515 |
| Net interest margin | 3.5414% | 5,141 |
| Noninterest income to average assets | 0.5805% | 4,003 |
| Noninterest expense to average assets | 2.2009% | 6,961 |
| Loan and lease loss provision to assets | 0.7050% | 2,090 |
| Net operating income to assets | 0.6503% | 4,107 |
| Return on assets (ROA) | 0.6812% | 3,816 |
| Pretax return on assets | 1.1123% | 2,985 |
| Return on Equity (ROE) | 6.9629% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.1781% | 1,453 |
| Net charge-offs to loans | 0.3729% | 2,973 |
| Credit loss provision to net charge-offs | 212.5579% | 2,272 |
| Earnings coverage of net charge-offs (x) | 5.3338% | 3,680 |
| Efficiency ratio | 55.2496% | 7,115 |
| Assets per employee ($millions) | 6.7088% | 809 |
| Cash dividends to net income (ytd only)* | 11.2708% | 4,657 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5668% | 2,368 |
| Loan loss allowance to noncurrent loans | 60.6437% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.5257% | 1,918 |
| Noncurrent loans to loans | 2.5836% | 2,096 |
| Net loans and leases to total assets | 88.0584% | 362 |
| Net loans and leases to deposits | 115.9975% | 521 |
| Net loans and leases to core deposits | 147.0256% | 978 |
| Total domestic deposits to total assets | 75.9140% | 6,265 |
| Equity capital to assets | 11.2191% | 2,870 |
| Core capital (leverage) ratio | 11.2277% | 2,411 |
| Tier 1 risk-based capital ratio | 11.0812% | 5,659 |
| Total risk-based capital ratio | 12.8870% | 5,005 |
| Memoranda: |
| Average total assets | $2,605,038,400 | 288 |
| Average earning assets | $2,493,309,200 | 274 |
| Average equity | $254,850,000 | 303 |
| Average total loans | $2,317,083,800 | 241 |
