| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6645% | 1,746 |
| Cost of funding earning assets | 2.2921% | 1,239 |
| Net interest margin | 3.3725% | 2,615 |
| Noninterest income to average assets | 0.5500% | 1,525 |
| Noninterest expense to average assets | 2.5268% | 2,222 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.8706% | 2,663 |
| Return on assets (ROA) | 0.8570% | 2,700 |
| Pretax return on assets | 1.0642% | 2,585 |
| Return on Equity (ROE) | 8.9900% | 2,606 |
| Retained earnings to average equity (ytd only) | 5.4368% | 2,454 |
| Net charge-offs to loans | 0.0805% | 939 |
| Credit loss provision to net charge-offs | 100.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 19.2808% | 1,444 |
| Efficiency ratio | 68.7313% | 1,956 |
| Assets per employee ($millions) | 8.2545% | 1,428 |
| Cash dividends to net income (ytd only)* | 39.5003% | 1,500 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9823% | 3,325 |
| Loan loss allowance to noncurrent loans | 83.9929% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 845 |
| Noncurrent loans to loans | 1.1695% | 909 |
| Net loans and leases to total assets | 72.6100% | 1,513 |
| Net loans and leases to deposits | 81.8879% | 1,891 |
| Net loans and leases to core deposits | 86.9254% | 2,255 |
| Total domestic deposits to total assets | 88.6700% | 1,312 |
| Equity capital to assets | 9.5777% | 2,513 |
| Core capital (leverage) ratio | 9.7357% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7514% | 1,961 |
| Memoranda: |
| Average total assets | $6,221,115,500 | 248 |
| Average earning assets | $5,756,161,000 | 239 |
| Average equity | $593,287,500 | 264 |
| Average total loans | $4,599,555,000 | 230 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8856% | 1,456 |
| Cost of funding earning assets | 2.4512% | 1,246 |
| Net interest margin | 3.4344% | 2,212 |
| Noninterest income to average assets | 0.6200% | 1,441 |
| Noninterest expense to average assets | 2.4925% | 2,336 |
| Loan and lease loss provision to assets | 0.1300% | 1,072 |
| Net operating income to assets | 0.9511% | 2,218 |
| Return on assets (ROA) | 0.9638% | 2,175 |
| Pretax return on assets | 1.1962% | 1,996 |
| Return on Equity (ROE) | 10.0400% | 2,137 |
| Retained earnings to average equity (ytd only) | 6.1259% | 1,772 |
| Net charge-offs to loans | 0.1283% | 1,003 |
| Credit loss provision to net charge-offs | 126.3750% | 1,599 |
| Earnings coverage of net charge-offs (x) | 13.3571% | 2,119 |
| Efficiency ratio | 65.5632% | 2,533 |
| Assets per employee ($millions) | 8.0955% | 1,479 |
| Cash dividends to net income (ytd only)* | 38.9638% | 2,189 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9826% | 3,316 |
| Loan loss allowance to noncurrent loans | 80.1934% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9541% | 713 |
| Noncurrent loans to loans | 1.2253% | 831 |
| Net loans and leases to total assets | 73.8200% | 1,425 |
| Net loans and leases to deposits | 83.1865% | 1,863 |
| Net loans and leases to core deposits | 88.2245% | 2,241 |
| Total domestic deposits to total assets | 88.7400% | 1,246 |
| Equity capital to assets | 9.4950% | 2,458 |
| Core capital (leverage) ratio | 9.8438% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5859% | 2,019 |
| Memoranda: |
| Average total assets | $5,907,715,600 | 254 |
| Average earning assets | $5,468,111,800 | 241 |
| Average equity | $567,332,400 | 262 |
| Average total loans | $4,506,271,400 | 227 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8930% | 1,407 |
| Cost of funding earning assets | 2.4746% | 1,218 |
| Net interest margin | 3.4184% | 2,195 |
| Noninterest income to average assets | 0.6100% | 1,436 |
| Noninterest expense to average assets | 2.5082% | 2,226 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 0.9302% | 2,280 |
| Return on assets (ROA) | 0.9453% | 2,241 |
| Pretax return on assets | 1.1734% | 2,060 |
| Return on Equity (ROE) | 9.8100% | 2,252 |
| Retained earnings to average equity (ytd only) | 5.8612% | 2,131 |
| Net charge-offs to loans | 0.1208% | 868 |
| Credit loss provision to net charge-offs | 119.9852% | 1,492 |
| Earnings coverage of net charge-offs (x) | 13.6820% | 1,983 |
| Efficiency ratio | 66.3758% | 2,437 |
| Assets per employee ($millions) | 7.9175% | 1,575 |
| Cash dividends to net income (ytd only)* | 40.2767% | 1,741 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9707% | 3,384 |
| Loan loss allowance to noncurrent loans | 111.4212% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 1,032 |
| Noncurrent loans to loans | 0.8712% | 1,156 |
| Net loans and leases to total assets | 75.7100% | 1,165 |
| Net loans and leases to deposits | 85.2809% | 1,708 |
| Net loans and leases to core deposits | 90.1028% | 2,138 |
| Total domestic deposits to total assets | 88.7700% | 982 |
| Equity capital to assets | 9.7103% | 2,490 |
| Core capital (leverage) ratio | 9.9654% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4768% | 2,087 |
| Memoranda: |
| Average total assets | $5,842,451,000 | 249 |
| Average earning assets | $5,408,305,500 | 239 |
| Average equity | $562,734,250 | 260 |
| Average total loans | $4,483,150,500 | 224 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8398% | 1,396 |
| Cost of funding earning assets | 2.4452% | 1,175 |
| Net interest margin | 3.3946% | 2,191 |
| Noninterest income to average assets | 0.5800% | 1,524 |
| Noninterest expense to average assets | 2.4708% | 2,327 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 0.9323% | 2,210 |
| Return on assets (ROA) | 0.9427% | 2,182 |
| Pretax return on assets | 1.1687% | 2,019 |
| Return on Equity (ROE) | 9.8100% | 2,237 |
| Retained earnings to average equity (ytd only) | 5.7866% | 2,086 |
| Net charge-offs to loans | 0.1450% | 685 |
| Credit loss provision to net charge-offs | 90.7006% | 1,577 |
| Earnings coverage of net charge-offs (x) | 11.3035% | 1,935 |
| Efficiency ratio | 66.2063% | 2,526 |
| Assets per employee ($millions) | 7.8097% | 1,560 |
| Cash dividends to net income (ytd only)* | 41.0425% | 1,776 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9702% | 3,423 |
| Loan loss allowance to noncurrent loans | 126.4035% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 1,113 |
| Noncurrent loans to loans | 0.7675% | 1,216 |
| Net loans and leases to total assets | 75.4700% | 1,242 |
| Net loans and leases to deposits | 84.9136% | 1,755 |
| Net loans and leases to core deposits | 89.8127% | 2,156 |
| Total domestic deposits to total assets | 88.8800% | 1,042 |
| Equity capital to assets | 9.6038% | 2,329 |
| Core capital (leverage) ratio | 9.8945% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5776% | 2,037 |
| Memoranda: |
| Average total assets | $5,792,096,333 | 252 |
| Average earning assets | $5,366,988,000 | 243 |
| Average equity | $556,316,667 | 260 |
| Average total loans | $4,450,212,333 | 226 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7622% | 1,385 |
| Cost of funding earning assets | 2.3724% | 1,209 |
| Net interest margin | 3.3898% | 2,133 |
| Noninterest income to average assets | 0.5800% | 1,433 |
| Noninterest expense to average assets | 2.5177% | 2,191 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.9314% | 2,142 |
| Return on assets (ROA) | 0.9504% | 2,101 |
| Pretax return on assets | 1.1750% | 1,954 |
| Return on Equity (ROE) | 9.8900% | 2,162 |
| Retained earnings to average equity (ytd only) | 7.1095% | 1,797 |
| Net charge-offs to loans | 0.0791% | 836 |
| Credit loss provision to net charge-offs | 100.0000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 19.8451% | 1,360 |
| Efficiency ratio | 67.4862% | 2,434 |
| Assets per employee ($millions) | 7.6057% | 1,687 |
| Cash dividends to net income (ytd only)* | 28.1463% | 1,839 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9874% | 3,359 |
| Loan loss allowance to noncurrent loans | 154.6888% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 1,223 |
| Noncurrent loans to loans | 0.6383% | 1,379 |
| Net loans and leases to total assets | 75.7500% | 1,102 |
| Net loans and leases to deposits | 85.1959% | 1,613 |
| Net loans and leases to core deposits | 90.6462% | 2,007 |
| Total domestic deposits to total assets | 88.9100% | 1,127 |
| Equity capital to assets | 9.6394% | 2,237 |
| Core capital (leverage) ratio | 10.0079% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6534% | 2,010 |
| Memoranda: |
| Average total assets | $5,755,609,000 | 257 |
| Average earning assets | $5,342,325,500 | 248 |
| Average equity | $552,839,500 | 267 |
| Average total loans | $4,440,426,000 | 230 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5682% | 1,078 |
| Cost of funding earning assets | 1.9223% | 1,036 |
| Net interest margin | 3.6459% | 1,870 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.5184% | 2,243 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.0775% | 1,981 |
| Return on assets (ROA) | 1.0853% | 1,934 |
| Pretax return on assets | 1.3520% | 1,737 |
| Return on Equity (ROE) | 11.7500% | 2,024 |
| Retained earnings to average equity (ytd only) | 7.4551% | 1,732 |
| Net charge-offs to loans | 0.0388% | 1,534 |
| Credit loss provision to net charge-offs | 246.2985% | 1,079 |
| Earnings coverage of net charge-offs (x) | 46.8743% | 1,334 |
| Efficiency ratio | 63.9147% | 2,621 |
| Assets per employee ($millions) | 7.5110% | 1,723 |
| Cash dividends to net income (ytd only)* | 36.5510% | 2,277 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9793% | 3,412 |
| Loan loss allowance to noncurrent loans | 150.4981% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 1,028 |
| Noncurrent loans to loans | 0.6507% | 1,203 |
| Net loans and leases to total assets | 77.0400% | 972 |
| Net loans and leases to deposits | 86.5596% | 1,577 |
| Net loans and leases to core deposits | 92.1082% | 1,892 |
| Total domestic deposits to total assets | 89.0000% | 1,062 |
| Equity capital to assets | 9.5708% | 2,295 |
| Core capital (leverage) ratio | 9.8596% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3571% | 2,117 |
| Memoranda: |
| Average total assets | $5,620,163,200 | 254 |
| Average earning assets | $5,206,684,200 | 245 |
| Average equity | $519,134,000 | 254 |
| Average total loans | $4,391,115,000 | 220 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4478% | 1,075 |
| Cost of funding earning assets | 1.7907% | 1,022 |
| Net interest margin | 3.6571% | 1,868 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.4890% | 2,267 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1037% | 2,046 |
| Return on assets (ROA) | 1.1041% | 2,023 |
| Pretax return on assets | 1.3760% | 1,833 |
| Return on Equity (ROE) | 12.0600% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.6670% | 2,085 |
| Net charge-offs to loans | 0.0291% | 1,489 |
| Credit loss provision to net charge-offs | 358.8482% | 778 |
| Earnings coverage of net charge-offs (x) | 64.1560% | 1,164 |
| Efficiency ratio | 62.9784% | 2,615 |
| Assets per employee ($millions) | 7.4942% | 1,634 |
| Cash dividends to net income (ytd only)* | 36.4486% | 1,802 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9737% | 3,487 |
| Loan loss allowance to noncurrent loans | 164.1259% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 1,153 |
| Noncurrent loans to loans | 0.5932% | 1,352 |
| Net loans and leases to total assets | 77.7300% | 915 |
| Net loans and leases to deposits | 86.9609% | 1,472 |
| Net loans and leases to core deposits | 93.6372% | 1,695 |
| Total domestic deposits to total assets | 89.3900% | 1,120 |
| Equity capital to assets | 9.2254% | 2,279 |
| Core capital (leverage) ratio | 9.8314% | 2,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0757% | 2,244 |
| Memoranda: |
| Average total assets | $5,592,478,250 | 257 |
| Average earning assets | $5,180,080,250 | 248 |
| Average equity | $511,794,250 | 258 |
| Average total loans | $4,374,207,750 | 224 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3293% | 1,043 |
| Cost of funding earning assets | 1.6418% | 980 |
| Net interest margin | 3.6875% | 1,842 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.4741% | 2,279 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1211% | 2,055 |
| Return on assets (ROA) | 1.1280% | 2,039 |
| Pretax return on assets | 1.4052% | 1,800 |
| Return on Equity (ROE) | 12.3600% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.2808% | 1,610 |
| Net charge-offs to loans | 0.0265% | 1,356 |
| Credit loss provision to net charge-offs | 486.4111% | 661 |
| Earnings coverage of net charge-offs (x) | 72.6202% | 1,102 |
| Efficiency ratio | 62.1951% | 2,691 |
| Assets per employee ($millions) | 7.4737% | 1,618 |
| Cash dividends to net income (ytd only)* | 24.9114% | 2,260 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9737% | 3,522 |
| Loan loss allowance to noncurrent loans | 197.0572% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 1,280 |
| Noncurrent loans to loans | 0.4941% | 1,477 |
| Net loans and leases to total assets | 78.2100% | 813 |
| Net loans and leases to deposits | 87.6923% | 1,369 |
| Net loans and leases to core deposits | 93.5184% | 1,594 |
| Total domestic deposits to total assets | 89.1900% | 1,177 |
| Equity capital to assets | 9.3712% | 2,250 |
| Core capital (leverage) ratio | 9.8005% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1219% | 2,246 |
| Memoranda: |
| Average total assets | $5,553,118,667 | 253 |
| Average earning assets | $5,144,631,000 | 248 |
| Average equity | $506,786,000 | 255 |
| Average total loans | $4,338,060,667 | 218 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1476% | 1,022 |
| Cost of funding earning assets | 1.4172% | 998 |
| Net interest margin | 3.7305% | 1,830 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.4126% | 2,494 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.2458% | 1,805 |
| Return on assets (ROA) | 1.2516% | 1,767 |
| Pretax return on assets | 1.5610% | 1,554 |
| Return on Equity (ROE) | 13.9100% | 1,795 |
| Retained earnings to average equity (ytd only) | 13.0379% | 1,088 |
| Net charge-offs to loans | 0.0182% | 1,322 |
| Credit loss provision to net charge-offs | 442.0513% | 586 |
| Earnings coverage of net charge-offs (x) | 114.4513% | 725 |
| Efficiency ratio | 59.7782% | 2,985 |
| Assets per employee ($millions) | 7.5481% | 1,593 |
| Cash dividends to net income (ytd only)* | 6.2373% | 2,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9748% | 3,623 |
| Loan loss allowance to noncurrent loans | 194.6727% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 1,242 |
| Noncurrent loans to loans | 0.5008% | 1,467 |
| Net loans and leases to total assets | 76.4000% | 937 |
| Net loans and leases to deposits | 87.5304% | 1,249 |
| Net loans and leases to core deposits | 93.1359% | 1,446 |
| Total domestic deposits to total assets | 87.2900% | 2,165 |
| Equity capital to assets | 9.4429% | 2,189 |
| Core capital (leverage) ratio | 9.9917% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2818% | 2,277 |
| Memoranda: |
| Average total assets | $5,508,360,000 | 263 |
| Average earning assets | $5,103,161,500 | 258 |
| Average equity | $495,786,500 | 267 |
| Average total loans | $4,278,788,000 | 227 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2333% | 1,188 |
| Cost of funding earning assets | 0.4134% | 1,988 |
| Net interest margin | 3.8199% | 1,119 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.5226% | 2,040 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.2225% | 1,691 |
| Return on assets (ROA) | 1.2232% | 1,640 |
| Pretax return on assets | 1.5221% | 1,390 |
| Return on Equity (ROE) | 14.0900% | 1,511 |
| Retained earnings to average equity (ytd only) | 9.4947% | 1,318 |
| Net charge-offs to loans | 0.0177% | 1,749 |
| Credit loss provision to net charge-offs | 916.2824% | 458 |
| Earnings coverage of net charge-offs (x) | 126.6383% | 862 |
| Efficiency ratio | 60.3827% | 3,001 |
| Assets per employee ($millions) | 7.5747% | 1,565 |
| Cash dividends to net income (ytd only)* | 32.6182% | 2,301 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9653% | 3,541 |
| Loan loss allowance to noncurrent loans | 192.5728% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 1,230 |
| Noncurrent loans to loans | 0.5013% | 1,446 |
| Net loans and leases to total assets | 77.4600% | 851 |
| Net loans and leases to deposits | 88.6291% | 1,132 |
| Net loans and leases to core deposits | 90.9695% | 1,458 |
| Total domestic deposits to total assets | 87.3900% | 2,273 |
| Equity capital to assets | 8.5494% | 2,677 |
| Core capital (leverage) ratio | 9.2212% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3213% | 2,638 |
| Memoranda: |
| Average total assets | $5,319,629,400 | 265 |
| Average earning assets | $4,953,743,000 | 259 |
| Average equity | $461,796,400 | 278 |
| Average total loans | $3,911,709,600 | 230 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0089% | 1,252 |
| Cost of funding earning assets | 0.2643% | 2,554 |
| Net interest margin | 3.7445% | 1,045 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.4731% | 2,089 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2341% | 1,571 |
| Return on assets (ROA) | 1.2271% | 1,573 |
| Pretax return on assets | 1.5218% | 1,353 |
| Return on Equity (ROE) | 14.0800% | 1,410 |
| Retained earnings to average equity (ytd only) | 9.8794% | 1,387 |
| Net charge-offs to loans | 0.0090% | 1,797 |
| Credit loss provision to net charge-offs | 1,485.9922% | 310 |
| Earnings coverage of net charge-offs (x) | 253.4397% | 532 |
| Efficiency ratio | 60.0406% | 3,108 |
| Assets per employee ($millions) | 7.5007% | 1,613 |
| Cash dividends to net income (ytd only)* | 29.8370% | 2,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9729% | 3,602 |
| Loan loss allowance to noncurrent loans | 196.5144% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 1,361 |
| Noncurrent loans to loans | 0.4951% | 1,563 |
| Net loans and leases to total assets | 75.1000% | 1,002 |
| Net loans and leases to deposits | 83.4425% | 1,341 |
| Net loans and leases to core deposits | 85.1789% | 1,572 |
| Total domestic deposits to total assets | 90.0000% | 1,665 |
| Equity capital to assets | 8.5598% | 2,504 |
| Core capital (leverage) ratio | 9.1899% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6297% | 2,612 |
| Memoranda: |
| Average total assets | $5,286,092,000 | 267 |
| Average earning assets | $4,930,261,250 | 259 |
| Average equity | $460,678,500 | 282 |
| Average total loans | $3,823,281,500 | 232 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8096% | 1,290 |
| Cost of funding earning assets | 0.2144% | 2,711 |
| Net interest margin | 3.5952% | 1,076 |
| Noninterest income to average assets | 0.6452% | 1,563 |
| Noninterest expense to average assets | 2.3749% | 2,320 |
| Loan and lease loss provision to assets | 0.1435% | 662 |
| Net operating income to assets | 1.2006% | 1,425 |
| Return on assets (ROA) | 1.2011% | 1,409 |
| Pretax return on assets | 1.4851% | 1,214 |
| Return on Equity (ROE) | 13.7007% | 1,190 |
| Retained earnings to average equity (ytd only) | 9.3133% | 1,197 |
| Net charge-offs to loans | 0.0170% | 1,406 |
| Credit loss provision to net charge-offs | 1,004.7022% | 402 |
| Earnings coverage of net charge-offs (x) | 134.8025% | 693 |
| Efficiency ratio | 59.2827% | 3,405 |
| Assets per employee ($millions) | 7.6714% | 1,501 |
| Cash dividends to net income (ytd only)* | 32.0232% | 2,024 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9842% | 3,668 |
| Loan loss allowance to noncurrent loans | 197.1806% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 1,473 |
| Noncurrent loans to loans | 0.4991% | 1,628 |
| Net loans and leases to total assets | 73.1871% | 985 |
| Net loans and leases to deposits | 81.3517% | 1,288 |
| Net loans and leases to core deposits | 82.9121% | 1,527 |
| Total domestic deposits to total assets | 89.9638% | 1,719 |
| Equity capital to assets | 8.6253% | 2,675 |
| Core capital (leverage) ratio | 8.8722% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6084% | 2,649 |
| Memoranda: |
| Average total assets | $5,282,955,667 | 262 |
| Average earning assets | $4,933,783,000 | 259 |
| Average equity | $463,143,000 | 281 |
| Average total loans | $3,759,123,667 | 230 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6569% | 1,370 |
| Cost of funding earning assets | 0.2218% | 2,506 |
| Net interest margin | 3.4351% | 1,221 |
| Noninterest income to average assets | 0.6799% | 1,387 |
| Noninterest expense to average assets | 2.3492% | 2,342 |
| Loan and lease loss provision to assets | 0.0994% | 843 |
| Net operating income to assets | 1.1669% | 1,335 |
| Return on assets (ROA) | 1.1964% | 1,247 |
| Pretax return on assets | 1.4843% | 1,043 |
| Return on Equity (ROE) | 13.5381% | 927 |
| Retained earnings to average equity (ytd only) | 9.8627% | 1,056 |
| Net charge-offs to loans | 0.0171% | 1,190 |
| Credit loss provision to net charge-offs | 460.7595% | 544 |
| Earnings coverage of net charge-offs (x) | 129.4051% | 585 |
| Efficiency ratio | 60.2404% | 3,459 |
| Assets per employee ($millions) | 7.9869% | 1,381 |
| Cash dividends to net income (ytd only)* | 27.1491% | 1,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9623% | 3,871 |
| Loan loss allowance to noncurrent loans | 189.5005% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 1,611 |
| Noncurrent loans to loans | 0.5078% | 1,757 |
| Net loans and leases to total assets | 70.5465% | 966 |
| Net loans and leases to deposits | 78.3809% | 1,255 |
| Net loans and leases to core deposits | 80.0820% | 1,474 |
| Total domestic deposits to total assets | 90.0047% | 1,560 |
| Equity capital to assets | 8.7261% | 2,953 |
| Core capital (leverage) ratio | 8.7177% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7992% | 2,681 |
| Memoranda: |
| Average total assets | $5,285,456,000 | 266 |
| Average earning assets | $4,949,232,000 | 262 |
| Average equity | $467,095,000 | 285 |
| Average total loans | $3,688,096,500 | 234 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7137% | 2,069 |
| Cost of funding earning assets | 0.3213% | 2,185 |
| Net interest margin | 3.3924% | 2,053 |
| Noninterest income to average assets | 0.6009% | 2,153 |
| Noninterest expense to average assets | 2.2543% | 2,933 |
| Loan and lease loss provision to assets | 0.1012% | 1,239 |
| Net operating income to assets | 1.1537% | 2,088 |
| Return on assets (ROA) | 1.1751% | 2,065 |
| Pretax return on assets | 1.4518% | 1,875 |
| Return on Equity (ROE) | 12.7987% | 1,525 |
| Retained earnings to average equity (ytd only) | 8.0183% | 1,534 |
| Net charge-offs to loans | 0.0507% | 1,306 |
| Credit loss provision to net charge-offs | 290.0681% | 1,082 |
| Earnings coverage of net charge-offs (x) | 43.7520% | 1,384 |
| Efficiency ratio | 59.5682% | 3,218 |
| Assets per employee ($millions) | 8.0539% | 1,302 |
| Cash dividends to net income (ytd only)* | 37.3507% | 2,173 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9790% | 3,831 |
| Loan loss allowance to noncurrent loans | 185.9597% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 1,732 |
| Noncurrent loans to loans | 0.5265% | 1,813 |
| Net loans and leases to total assets | 67.6675% | 1,308 |
| Net loans and leases to deposits | 75.4158% | 1,610 |
| Net loans and leases to core deposits | 77.2830% | 1,822 |
| Total domestic deposits to total assets | 89.7259% | 1,096 |
| Equity capital to assets | 8.9477% | 3,677 |
| Core capital (leverage) ratio | 8.6342% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1598% | 2,579 |
| Memoranda: |
| Average total assets | $5,050,051,400 | 268 |
| Average earning assets | $4,733,648,600 | 262 |
| Average equity | $463,664,200 | 285 |
| Average total loans | $3,474,720,200 | 244 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7222% | 2,214 |
| Cost of funding earning assets | 0.3395% | 2,206 |
| Net interest margin | 3.3828% | 2,201 |
| Noninterest income to average assets | 0.6156% | 2,147 |
| Noninterest expense to average assets | 2.1906% | 3,098 |
| Loan and lease loss provision to assets | 0.1233% | 950 |
| Net operating income to assets | 1.1854% | 2,219 |
| Return on assets (ROA) | 1.1913% | 2,255 |
| Pretax return on assets | 1.4789% | 2,051 |
| Return on Equity (ROE) | 12.8879% | 1,728 |
| Retained earnings to average equity (ytd only) | 8.4172% | 1,901 |
| Net charge-offs to loans | 0.0629% | 1,010 |
| Credit loss provision to net charge-offs | 284.4540% | 1,033 |
| Earnings coverage of net charge-offs (x) | 36.7927% | 1,419 |
| Efficiency ratio | 57.8096% | 3,296 |
| Assets per employee ($millions) | 8.1270% | 1,218 |
| Cash dividends to net income (ytd only)* | 34.6892% | 1,862 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0025% | 3,834 |
| Loan loss allowance to noncurrent loans | 173.1271% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 1,805 |
| Noncurrent loans to loans | 0.5791% | 1,862 |
| Net loans and leases to total assets | 66.4235% | 1,493 |
| Net loans and leases to deposits | 73.9943% | 1,853 |
| Net loans and leases to core deposits | 76.1339% | 2,036 |
| Total domestic deposits to total assets | 89.7683% | 879 |
| Equity capital to assets | 9.0259% | 3,808 |
| Core capital (leverage) ratio | 8.5496% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5312% | 2,537 |
| Memoranda: |
| Average total assets | $4,985,677,000 | 273 |
| Average earning assets | $4,672,077,250 | 264 |
| Average equity | $460,854,750 | 288 |
| Average total loans | $3,436,651,750 | 247 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7380% | 2,236 |
| Cost of funding earning assets | 0.3665% | 2,170 |
| Net interest margin | 3.3715% | 2,232 |
| Noninterest income to average assets | 0.6176% | 2,138 |
| Noninterest expense to average assets | 2.1820% | 3,147 |
| Loan and lease loss provision to assets | 0.1529% | 771 |
| Net operating income to assets | 1.1623% | 2,324 |
| Return on assets (ROA) | 1.1731% | 2,352 |
| Pretax return on assets | 1.4563% | 2,150 |
| Return on Equity (ROE) | 12.5856% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.0507% | 2,057 |
| Net charge-offs to loans | 0.0634% | 981 |
| Credit loss provision to net charge-offs | 346.5804% | 826 |
| Earnings coverage of net charge-offs (x) | 36.1793% | 1,215 |
| Efficiency ratio | 57.6963% | 3,324 |
| Assets per employee ($millions) | 8.2708% | 1,094 |
| Cash dividends to net income (ytd only)* | 36.0325% | 1,791 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0030% | 3,811 |
| Loan loss allowance to noncurrent loans | 106.9886% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 1,297 |
| Noncurrent loans to loans | 0.9375% | 1,317 |
| Net loans and leases to total assets | 67.0359% | 1,575 |
| Net loans and leases to deposits | 74.7271% | 1,932 |
| Net loans and leases to core deposits | 76.8634% | 2,152 |
| Total domestic deposits to total assets | 89.7076% | 921 |
| Equity capital to assets | 9.0608% | 3,749 |
| Core capital (leverage) ratio | 8.6236% | 3,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5338% | 2,533 |
| Memoranda: |
| Average total assets | $4,905,693,000 | 271 |
| Average earning assets | $4,598,478,000 | 264 |
| Average equity | $457,252,333 | 287 |
| Average total loans | $3,413,471,000 | 248 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8545% | 1,947 |
| Cost of funding earning assets | 0.3840% | 2,225 |
| Net interest margin | 3.4705% | 1,907 |
| Noninterest income to average assets | 0.6839% | 1,920 |
| Noninterest expense to average assets | 2.2562% | 2,923 |
| Loan and lease loss provision to assets | 0.1669% | 750 |
| Net operating income to assets | 1.2195% | 2,069 |
| Return on assets (ROA) | 1.2195% | 2,153 |
| Pretax return on assets | 1.5156% | 1,953 |
| Return on Equity (ROE) | 12.8908% | 1,700 |
| Retained earnings to average equity (ytd only) | 8.3455% | 2,137 |
| Net charge-offs to loans | 0.0769% | 814 |
| Credit loss provision to net charge-offs | 307.2197% | 743 |
| Earnings coverage of net charge-offs (x) | 30.9785% | 1,083 |
| Efficiency ratio | 57.2240% | 3,405 |
| Assets per employee ($millions) | 8.0397% | 1,184 |
| Cash dividends to net income (ytd only)* | 35.2603% | 1,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9869% | 3,885 |
| Loan loss allowance to noncurrent loans | 102.7379% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 1,369 |
| Noncurrent loans to loans | 0.9606% | 1,409 |
| Net loans and leases to total assets | 68.8863% | 1,416 |
| Net loans and leases to deposits | 76.9556% | 1,806 |
| Net loans and leases to core deposits | 79.0820% | 2,091 |
| Total domestic deposits to total assets | 89.5142% | 1,063 |
| Equity capital to assets | 9.2966% | 3,392 |
| Core capital (leverage) ratio | 8.8697% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8015% | 2,374 |
| Memoranda: |
| Average total assets | $4,794,579,500 | 271 |
| Average earning assets | $4,496,692,000 | 266 |
| Average equity | $453,562,500 | 287 |
| Average total loans | $3,384,020,000 | 250 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1001% | 2,423 |
| Cost of funding earning assets | 0.7212% | 1,610 |
| Net interest margin | 3.3789% | 2,837 |
| Noninterest income to average assets | 0.5642% | 2,355 |
| Noninterest expense to average assets | 2.4266% | 3,070 |
| Loan and lease loss provision to assets | 0.3296% | 1,091 |
| Net operating income to assets | 0.7736% | 3,193 |
| Return on assets (ROA) | 0.8150% | 3,154 |
| Pretax return on assets | 1.0049% | 3,031 |
| Return on Equity (ROE) | 8.7620% | 2,488 |
| Retained earnings to average equity (ytd only) | 4.5687% | 2,497 |
| Net charge-offs to loans | 0.1667% | 997 |
| Credit loss provision to net charge-offs | 275.0926% | 1,824 |
| Earnings coverage of net charge-offs (x) | 10.7102% | 2,444 |
| Efficiency ratio | 65.2769% | 2,639 |
| Assets per employee ($millions) | 7.8094% | 1,116 |
| Cash dividends to net income (ytd only)* | 47.8581% | 1,954 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9535% | 4,021 |
| Loan loss allowance to noncurrent loans | 106.2157% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 1,583 |
| Noncurrent loans to loans | 0.8977% | 1,569 |
| Net loans and leases to total assets | 70.9410% | 1,435 |
| Net loans and leases to deposits | 79.6968% | 1,897 |
| Net loans and leases to core deposits | 82.0295% | 2,189 |
| Total domestic deposits to total assets | 89.0136% | 984 |
| Equity capital to assets | 9.6292% | 3,475 |
| Core capital (leverage) ratio | 8.6189% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4656% | 2,465 |
| Memoranda: |
| Average total assets | $4,281,903,400 | 274 |
| Average earning assets | $3,986,462,400 | 270 |
| Average equity | $398,297,400 | 298 |
| Average total loans | $3,077,616,600 | 258 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0460% | 2,840 |
| Cost of funding earning assets | 0.7954% | 1,521 |
| Net interest margin | 3.2506% | 3,333 |
| Noninterest income to average assets | 0.5315% | 2,469 |
| Noninterest expense to average assets | 2.2163% | 3,641 |
| Loan and lease loss provision to assets | 0.3550% | 1,064 |
| Net operating income to assets | 0.7993% | 3,092 |
| Return on assets (ROA) | 0.8559% | 3,010 |
| Pretax return on assets | 1.0514% | 2,904 |
| Return on Equity (ROE) | 9.2940% | 2,285 |
| Retained earnings to average equity (ytd only) | 5.3077% | 2,427 |
| Net charge-offs to loans | 0.1580% | 934 |
| Credit loss provision to net charge-offs | 312.2191% | 1,730 |
| Earnings coverage of net charge-offs (x) | 11.7551% | 2,284 |
| Efficiency ratio | 62.2235% | 3,032 |
| Assets per employee ($millions) | 8.0191% | 987 |
| Cash dividends to net income (ytd only)* | 42.8907% | 1,814 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7504% | 4,483 |
| Loan loss allowance to noncurrent loans | 93.4812% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 1,984 |
| Noncurrent loans to loans | 0.8027% | 1,817 |
| Net loans and leases to total assets | 69.7581% | 1,993 |
| Net loans and leases to deposits | 81.2642% | 2,173 |
| Net loans and leases to core deposits | 83.6084% | 2,516 |
| Total domestic deposits to total assets | 85.8411% | 2,133 |
| Equity capital to assets | 9.5552% | 3,640 |
| Core capital (leverage) ratio | 8.6468% | 4,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5488% | 2,394 |
| Memoranda: |
| Average total assets | $4,175,119,250 | 277 |
| Average earning assets | $3,880,405,250 | 272 |
| Average equity | $384,511,250 | 302 |
| Average total loans | $3,003,820,750 | 260 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1226% | 2,989 |
| Cost of funding earning assets | 0.8875% | 1,431 |
| Net interest margin | 3.2351% | 3,566 |
| Noninterest income to average assets | 0.5213% | 2,484 |
| Noninterest expense to average assets | 2.1195% | 3,986 |
| Loan and lease loss provision to assets | 0.4077% | 985 |
| Net operating income to assets | 0.8170% | 2,983 |
| Return on assets (ROA) | 0.9072% | 2,783 |
| Pretax return on assets | 1.1125% | 2,677 |
| Return on Equity (ROE) | 10.0005% | 1,983 |
| Retained earnings to average equity (ytd only) | 5.7162% | 2,190 |
| Net charge-offs to loans | 0.1965% | 783 |
| Credit loss provision to net charge-offs | 285.6741% | 1,662 |
| Earnings coverage of net charge-offs (x) | 9.8817% | 2,191 |
| Efficiency ratio | 59.8321% | 3,429 |
| Assets per employee ($millions) | 8.0345% | 956 |
| Cash dividends to net income (ytd only)* | 42.8413% | 1,834 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7524% | 4,457 |
| Loan loss allowance to noncurrent loans | 78.4321% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6755% | 1,813 |
| Noncurrent loans to loans | 0.9593% | 1,613 |
| Net loans and leases to total assets | 67.5697% | 2,427 |
| Net loans and leases to deposits | 83.3805% | 2,058 |
| Net loans and leases to core deposits | 85.7637% | 2,456 |
| Total domestic deposits to total assets | 81.0378% | 3,597 |
| Equity capital to assets | 8.3041% | 4,588 |
| Core capital (leverage) ratio | 8.2541% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2526% | 2,899 |
| Memoranda: |
| Average total assets | $3,981,714,000 | 286 |
| Average earning assets | $3,702,558,333 | 278 |
| Average equity | $361,221,667 | 315 |
| Average total loans | $2,890,989,667 | 264 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5095% | 2,292 |
| Cost of funding earning assets | 1.0602% | 1,179 |
| Net interest margin | 3.4493% | 3,149 |
| Noninterest income to average assets | 0.5361% | 2,357 |
| Noninterest expense to average assets | 2.2390% | 3,914 |
| Loan and lease loss provision to assets | 0.2946% | 1,052 |
| Net operating income to assets | 0.9759% | 2,260 |
| Return on assets (ROA) | 0.9759% | 2,363 |
| Pretax return on assets | 1.1944% | 2,218 |
| Return on Equity (ROE) | 10.2426% | 1,662 |
| Retained earnings to average equity (ytd only) | 5.6277% | 2,024 |
| Net charge-offs to loans | 0.0153% | 2,064 |
| Credit loss provision to net charge-offs | 2,555.5556% | 286 |
| Earnings coverage of net charge-offs (x) | 129.1574% | 482 |
| Efficiency ratio | 59.8202% | 3,759 |
| Assets per employee ($millions) | 6.4493% | 1,372 |
| Cash dividends to net income (ytd only)* | 45.0558% | 1,758 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7092% | 4,594 |
| Loan loss allowance to noncurrent loans | 64.5448% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8767% | 1,522 |
| Noncurrent loans to loans | 1.0987% | 1,512 |
| Net loans and leases to total assets | 75.2678% | 1,421 |
| Net loans and leases to deposits | 91.0617% | 1,398 |
| Net loans and leases to core deposits | 94.3119% | 1,941 |
| Total domestic deposits to total assets | 82.6559% | 3,220 |
| Equity capital to assets | 9.7171% | 4,026 |
| Core capital (leverage) ratio | 8.6245% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8562% | 3,143 |
| Memoranda: |
| Average total assets | $3,747,006,000 | 289 |
| Average earning assets | $3,467,532,500 | 284 |
| Average equity | $357,020,000 | 317 |
| Average total loans | $2,821,276,000 | 269 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8362% | 1,934 |
| Cost of funding earning assets | 1.1418% | 1,186 |
| Net interest margin | 3.6944% | 2,831 |
| Noninterest income to average assets | 0.6598% | 1,966 |
| Noninterest expense to average assets | 2.4935% | 3,468 |
| Loan and lease loss provision to assets | 0.1170% | 1,810 |
| Net operating income to assets | 1.1730% | 2,162 |
| Return on assets (ROA) | 1.1765% | 2,247 |
| Pretax return on assets | 1.4406% | 2,008 |
| Return on Equity (ROE) | 12.1527% | 1,454 |
| Retained earnings to average equity (ytd only) | 8.3218% | 882 |
| Net charge-offs to loans | 0.1667% | 1,212 |
| Credit loss provision to net charge-offs | 91.3549% | 2,637 |
| Earnings coverage of net charge-offs (x) | 12.1293% | 2,431 |
| Efficiency ratio | 61.2069% | 3,506 |
| Assets per employee ($millions) | 6.4160% | 1,341 |
| Cash dividends to net income (ytd only)* | 31.5225% | 3,009 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6266% | 4,693 |
| Loan loss allowance to noncurrent loans | 108.9113% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 2,514 |
| Noncurrent loans to loans | 0.5753% | 2,466 |
| Net loans and leases to total assets | 74.3126% | 1,701 |
| Net loans and leases to deposits | 89.5907% | 1,642 |
| Net loans and leases to core deposits | 92.6382% | 2,190 |
| Total domestic deposits to total assets | 82.9468% | 3,214 |
| Equity capital to assets | 9.3385% | 4,471 |
| Core capital (leverage) ratio | 8.7925% | 4,671 |
| Tier 1 risk-based capital ratio | 11.2374% | 4,762 |
| Total risk-based capital ratio | 11.8670% | 4,906 |
| Memoranda: |
| Average total assets | $3,423,350,800 | 294 |
| Average earning assets | $3,138,431,200 | 288 |
| Average equity | $331,417,400 | 319 |
| Average total loans | $2,629,399,400 | 274 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8363% | 2,010 |
| Cost of funding earning assets | 1.1172% | 1,284 |
| Net interest margin | 3.7191% | 2,854 |
| Noninterest income to average assets | 0.6733% | 1,903 |
| Noninterest expense to average assets | 2.5166% | 3,392 |
| Loan and lease loss provision to assets | 0.1491% | 1,272 |
| Net operating income to assets | 1.1823% | 2,260 |
| Return on assets (ROA) | 1.1871% | 2,317 |
| Pretax return on assets | 1.4520% | 2,112 |
| Return on Equity (ROE) | 12.1424% | 1,560 |
| Retained earnings to average equity (ytd only) | 7.7879% | 1,495 |
| Net charge-offs to loans | 0.1721% | 988 |
| Credit loss provision to net charge-offs | 111.9760% | 2,068 |
| Earnings coverage of net charge-offs (x) | 11.9787% | 2,399 |
| Efficiency ratio | 60.7488% | 3,512 |
| Assets per employee ($millions) | 6.2114% | 1,455 |
| Cash dividends to net income (ytd only)* | 35.8623% | 2,345 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6673% | 4,705 |
| Loan loss allowance to noncurrent loans | 124.5238% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4592% | 2,690 |
| Noncurrent loans to loans | 0.5359% | 2,682 |
| Net loans and leases to total assets | 77.3742% | 1,247 |
| Net loans and leases to deposits | 94.7493% | 1,151 |
| Net loans and leases to core deposits | 97.2448% | 1,881 |
| Total domestic deposits to total assets | 81.6621% | 3,571 |
| Equity capital to assets | 9.7248% | 4,268 |
| Core capital (leverage) ratio | 8.9574% | 4,666 |
| Tier 1 risk-based capital ratio | 11.2990% | 4,761 |
| Total risk-based capital ratio | 11.9789% | 4,922 |
| Memoranda: |
| Average total assets | $3,344,061,500 | 300 |
| Average earning assets | $3,091,777,000 | 296 |
| Average equity | $326,945,000 | 326 |
| Average total loans | $2,587,451,000 | 282 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8135% | 2,016 |
| Cost of funding earning assets | 1.0960% | 1,314 |
| Net interest margin | 3.7175% | 2,878 |
| Noninterest income to average assets | 0.6780% | 1,801 |
| Noninterest expense to average assets | 2.5434% | 3,348 |
| Loan and lease loss provision to assets | 0.1325% | 1,411 |
| Net operating income to assets | 1.1782% | 2,231 |
| Return on assets (ROA) | 1.1856% | 2,266 |
| Pretax return on assets | 1.4475% | 2,046 |
| Return on Equity (ROE) | 12.1033% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.6659% | 1,533 |
| Net charge-offs to loans | 0.0375% | 2,134 |
| Credit loss provision to net charge-offs | 458.1053% | 643 |
| Earnings coverage of net charge-offs (x) | 54.3221% | 1,043 |
| Efficiency ratio | 61.3265% | 3,536 |
| Assets per employee ($millions) | 5.9249% | 1,600 |
| Cash dividends to net income (ytd only)* | 36.6629% | 2,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7492% | 4,605 |
| Loan loss allowance to noncurrent loans | 131.8494% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 2,707 |
| Noncurrent loans to loans | 0.5682% | 2,556 |
| Net loans and leases to total assets | 76.7780% | 1,422 |
| Net loans and leases to deposits | 94.8620% | 1,167 |
| Net loans and leases to core deposits | 97.2881% | 1,948 |
| Total domestic deposits to total assets | 80.9365% | 3,830 |
| Equity capital to assets | 9.8504% | 4,094 |
| Core capital (leverage) ratio | 9.0811% | 4,568 |
| Tier 1 risk-based capital ratio | 11.6218% | 4,624 |
| Total risk-based capital ratio | 12.3880% | 4,754 |
| Memoranda: |
| Average total assets | $3,284,801,670 | 304 |
| Average earning assets | $3,036,477,000 | 300 |
| Average equity | $321,762,330 | 331 |
| Average total loans | $2,535,500,330 | 287 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7920% | 1,920 |
| Cost of funding earning assets | 1.0810% | 1,250 |
| Net interest margin | 3.7110% | 2,852 |
| Noninterest income to average assets | 0.6130% | 1,988 |
| Noninterest expense to average assets | 2.5001% | 3,509 |
| Loan and lease loss provision to assets | 0.1144% | 1,546 |
| Net operating income to assets | 1.1705% | 2,174 |
| Return on assets (ROA) | 1.1855% | 2,158 |
| Pretax return on assets | 1.4434% | 1,946 |
| Return on Equity (ROE) | 12.1385% | 1,483 |
| Retained earnings to average equity (ytd only) | 7.5249% | 1,836 |
| Net charge-offs to loans | 0.0369% | 1,744 |
| Credit loss provision to net charge-offs | 402.1739% | 691 |
| Earnings coverage of net charge-offs (x) | 54.1435% | 980 |
| Efficiency ratio | 61.3857% | 3,626 |
| Assets per employee ($millions) | 6.3216% | 1,337 |
| Cash dividends to net income (ytd only)* | 38.0083% | 1,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7375% | 4,697 |
| Loan loss allowance to noncurrent loans | 125.6417% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 2,745 |
| Noncurrent loans to loans | 0.5870% | 2,574 |
| Net loans and leases to total assets | 76.5956% | 1,385 |
| Net loans and leases to deposits | 94.1558% | 1,157 |
| Net loans and leases to core deposits | 96.7995% | 1,871 |
| Total domestic deposits to total assets | 81.3499% | 3,895 |
| Equity capital to assets | 9.8359% | 3,981 |
| Core capital (leverage) ratio | 9.1575% | 4,516 |
| Tier 1 risk-based capital ratio | 11.7930% | 4,569 |
| Total risk-based capital ratio | 12.5472% | 4,749 |
| Memoranda: |
| Average total assets | $3,235,649,000 | 308 |
| Average earning assets | $2,987,624,500 | 303 |
| Average equity | $316,018,500 | 336 |
| Average total loans | $2,494,706,500 | 293 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6376% | 2,029 |
| Cost of funding earning assets | 0.8450% | 1,333 |
| Net interest margin | 3.7926% | 2,686 |
| Noninterest income to average assets | 0.6397% | 2,100 |
| Noninterest expense to average assets | 2.5590% | 3,443 |
| Loan and lease loss provision to assets | 0.1339% | 1,619 |
| Net operating income to assets | 1.2069% | 2,137 |
| Return on assets (ROA) | 1.2069% | 2,131 |
| Pretax return on assets | 1.4542% | 1,936 |
| Return on Equity (ROE) | 12.1073% | 1,679 |
| Retained earnings to average equity (ytd only) | 8.0686% | 1,203 |
| Net charge-offs to loans | 0.1793% | 1,071 |
| Credit loss provision to net charge-offs | 96.2464% | 2,622 |
| Earnings coverage of net charge-offs (x) | 11.4177% | 2,627 |
| Efficiency ratio | 60.9813% | 3,690 |
| Assets per employee ($millions) | 6.2804% | 1,333 |
| Cash dividends to net income (ytd only)* | 33.3574% | 2,885 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7256% | 4,745 |
| Loan loss allowance to noncurrent loans | 122.5027% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 2,685 |
| Noncurrent loans to loans | 0.5923% | 2,510 |
| Net loans and leases to total assets | 76.4763% | 1,525 |
| Net loans and leases to deposits | 93.8091% | 1,309 |
| Net loans and leases to core deposits | 97.3654% | 1,934 |
| Total domestic deposits to total assets | 81.5233% | 3,783 |
| Equity capital to assets | 9.6963% | 3,955 |
| Core capital (leverage) ratio | 9.0454% | 4,608 |
| Tier 1 risk-based capital ratio | 11.7526% | 4,591 |
| Total risk-based capital ratio | 12.4977% | 4,754 |
| Memoranda: |
| Average total assets | $2,987,968,600 | 324 |
| Average earning assets | $2,763,289,400 | 316 |
| Average equity | $297,846,200 | 344 |
| Average total loans | $2,317,314,000 | 305 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5640% | 2,091 |
| Cost of funding earning assets | 0.7887% | 1,388 |
| Net interest margin | 3.7753% | 2,730 |
| Noninterest income to average assets | 0.6539% | 2,053 |
| Noninterest expense to average assets | 2.5884% | 3,320 |
| Loan and lease loss provision to assets | 0.1431% | 1,390 |
| Net operating income to assets | 1.1897% | 2,276 |
| Return on assets (ROA) | 1.1897% | 2,280 |
| Pretax return on assets | 1.4116% | 2,187 |
| Return on Equity (ROE) | 11.8464% | 1,852 |
| Retained earnings to average equity (ytd only) | 8.4695% | 1,438 |
| Net charge-offs to loans | 0.0255% | 2,611 |
| Credit loss provision to net charge-offs | 722.4771% | 520 |
| Earnings coverage of net charge-offs (x) | 78.4769% | 890 |
| Efficiency ratio | 61.6864% | 3,555 |
| Assets per employee ($millions) | 6.1577% | 1,376 |
| Cash dividends to net income (ytd only)* | 28.5054% | 2,622 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8731% | 4,367 |
| Loan loss allowance to noncurrent loans | 104.2608% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 2,229 |
| Noncurrent loans to loans | 0.8374% | 2,034 |
| Net loans and leases to total assets | 75.8479% | 1,681 |
| Net loans and leases to deposits | 93.4978% | 1,433 |
| Net loans and leases to core deposits | 97.2298% | 1,997 |
| Total domestic deposits to total assets | 81.1227% | 3,838 |
| Equity capital to assets | 9.6897% | 3,923 |
| Core capital (leverage) ratio | 9.2896% | 4,414 |
| Tier 1 risk-based capital ratio | 12.1213% | 4,432 |
| Total risk-based capital ratio | 13.0231% | 4,514 |
| Memoranda: |
| Average total assets | $2,934,204,000 | 326 |
| Average earning assets | $2,711,938,000 | 321 |
| Average equity | $294,664,250 | 344 |
| Average total loans | $2,279,777,250 | 308 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4996% | 2,086 |
| Cost of funding earning assets | 0.7403% | 1,427 |
| Net interest margin | 3.7593% | 2,717 |
| Noninterest income to average assets | 0.6327% | 2,166 |
| Noninterest expense to average assets | 2.5384% | 3,519 |
| Loan and lease loss provision to assets | 0.1773% | 1,022 |
| Net operating income to assets | 1.1720% | 2,304 |
| Return on assets (ROA) | 1.1720% | 2,305 |
| Pretax return on assets | 1.3874% | 2,194 |
| Return on Equity (ROE) | 11.5248% | 1,902 |
| Retained earnings to average equity (ytd only) | 8.0965% | 1,586 |
| Net charge-offs to loans | 0.0124% | 2,721 |
| Credit loss provision to net charge-offs | 1,834.5324% | 231 |
| Earnings coverage of net charge-offs (x) | 161.8633% | 487 |
| Efficiency ratio | 61.0241% | 3,762 |
| Assets per employee ($millions) | 5.8855% | 1,558 |
| Cash dividends to net income (ytd only)* | 29.7472% | 2,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8785% | 4,430 |
| Loan loss allowance to noncurrent loans | 84.6055% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8225% | 1,824 |
| Noncurrent loans to loans | 1.0384% | 1,690 |
| Net loans and leases to total assets | 77.2560% | 1,431 |
| Net loans and leases to deposits | 96.1634% | 1,120 |
| Net loans and leases to core deposits | 100.0839% | 1,734 |
| Total domestic deposits to total assets | 80.3383% | 4,171 |
| Equity capital to assets | 9.9301% | 3,692 |
| Core capital (leverage) ratio | 9.4090% | 4,234 |
| Tier 1 risk-based capital ratio | 12.1083% | 4,435 |
| Total risk-based capital ratio | 13.0192% | 4,519 |
| Memoranda: |
| Average total assets | $2,875,721,000 | 330 |
| Average earning assets | $2,654,785,330 | 323 |
| Average equity | $292,446,670 | 342 |
| Average total loans | $2,246,575,670 | 305 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3829% | 2,256 |
| Cost of funding earning assets | 0.6879% | 1,509 |
| Net interest margin | 3.6950% | 2,819 |
| Noninterest income to average assets | 0.6165% | 2,186 |
| Noninterest expense to average assets | 2.5182% | 3,588 |
| Loan and lease loss provision to assets | 0.1738% | 1,009 |
| Net operating income to assets | 1.1327% | 2,277 |
| Return on assets (ROA) | 1.1327% | 2,293 |
| Pretax return on assets | 1.3341% | 2,234 |
| Return on Equity (ROE) | 11.0012% | 1,968 |
| Retained earnings to average equity (ytd only) | 5.6343% | 2,878 |
| Net charge-offs to loans | 0.0082% | 2,445 |
| Credit loss provision to net charge-offs | 2,722.2222% | 142 |
| Earnings coverage of net charge-offs (x) | 236.1333% | 284 |
| Efficiency ratio | 61.6721% | 3,843 |
| Assets per employee ($millions) | 5.8471% | 1,649 |
| Cash dividends to net income (ytd only)* | 48.7848% | 1,543 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8476% | 4,648 |
| Loan loss allowance to noncurrent loans | 97.2062% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 2,213 |
| Noncurrent loans to loans | 0.8720% | 2,077 |
| Net loans and leases to total assets | 77.9253% | 1,256 |
| Net loans and leases to deposits | 101.8302% | 588 |
| Net loans and leases to core deposits | 106.3046% | 1,215 |
| Total domestic deposits to total assets | 76.5247% | 4,918 |
| Equity capital to assets | 10.0501% | 3,545 |
| Core capital (leverage) ratio | 9.5297% | 4,036 |
| Tier 1 risk-based capital ratio | 12.0845% | 4,505 |
| Total risk-based capital ratio | 12.9648% | 4,620 |
| Memoranda: |
| Average total assets | $2,818,672,000 | 335 |
| Average earning assets | $2,601,046,000 | 329 |
| Average equity | $290,223,500 | 345 |
| Average total loans | $2,204,720,000 | 307 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3138% | 2,279 |
| Cost of funding earning assets | 0.5539% | 1,921 |
| Net interest margin | 3.7599% | 2,564 |
| Noninterest income to average assets | 0.6555% | 2,163 |
| Noninterest expense to average assets | 2.4999% | 3,784 |
| Loan and lease loss provision to assets | 0.1782% | 1,214 |
| Net operating income to assets | 0.9525% | 2,434 |
| Return on assets (ROA) | 0.9909% | 2,322 |
| Pretax return on assets | 1.4977% | 1,650 |
| Return on Equity (ROE) | 9.3662% | 2,153 |
| Retained earnings to average equity (ytd only) | 6.2145% | 1,429 |
| Net charge-offs to loans | 0.0572% | 2,665 |
| Credit loss provision to net charge-offs | 411.9442% | 740 |
| Earnings coverage of net charge-offs (x) | 37.3906% | 1,318 |
| Efficiency ratio | 59.5870% | 4,322 |
| Assets per employee ($millions) | 5.7269% | 1,733 |
| Cash dividends to net income (ytd only)* | 33.6493% | 3,142 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8442% | 4,684 |
| Loan loss allowance to noncurrent loans | 94.8682% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 2,176 |
| Noncurrent loans to loans | 0.8899% | 2,001 |
| Net loans and leases to total assets | 77.1694% | 1,400 |
| Net loans and leases to deposits | 97.8354% | 915 |
| Net loans and leases to core deposits | 101.5344% | 1,586 |
| Total domestic deposits to total assets | 78.8768% | 4,567 |
| Equity capital to assets | 10.5554% | 3,104 |
| Core capital (leverage) ratio | 9.7995% | 3,696 |
| Tier 1 risk-based capital ratio | 12.7036% | 4,085 |
| Total risk-based capital ratio | 13.5805% | 4,220 |
| Memoranda: |
| Average total assets | $2,651,100,800 | 332 |
| Average earning assets | $2,441,178,600 | 328 |
| Average equity | $280,487,400 | 343 |
| Average total loans | $2,005,302,600 | 313 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2709% | 2,355 |
| Cost of funding earning assets | 0.5328% | 2,011 |
| Net interest margin | 3.7381% | 2,625 |
| Noninterest income to average assets | 0.6604% | 2,159 |
| Noninterest expense to average assets | 2.5291% | 3,634 |
| Loan and lease loss provision to assets | 0.1104% | 1,934 |
| Net operating income to assets | 1.0651% | 2,255 |
| Return on assets (ROA) | 1.1223% | 2,052 |
| Pretax return on assets | 1.5411% | 1,612 |
| Return on Equity (ROE) | 10.6014% | 1,858 |
| Retained earnings to average equity (ytd only) | 7.7341% | 1,328 |
| Net charge-offs to loans | 0.0265% | 2,908 |
| Credit loss provision to net charge-offs | 554.8469% | 571 |
| Earnings coverage of net charge-offs (x) | 79.0643% | 819 |
| Efficiency ratio | 60.4539% | 4,137 |
| Assets per employee ($millions) | 5.9104% | 1,566 |
| Cash dividends to net income (ytd only)* | 27.0466% | 2,857 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7774% | 4,959 |
| Loan loss allowance to noncurrent loans | 82.0562% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 2,237 |
| Noncurrent loans to loans | 0.9474% | 2,026 |
| Net loans and leases to total assets | 76.1917% | 1,559 |
| Net loans and leases to deposits | 100.7225% | 700 |
| Net loans and leases to core deposits | 101.8787% | 1,555 |
| Total domestic deposits to total assets | 75.6452% | 5,060 |
| Equity capital to assets | 10.6488% | 3,217 |
| Core capital (leverage) ratio | 9.8312% | 3,781 |
| Tier 1 risk-based capital ratio | 12.8702% | 4,101 |
| Total risk-based capital ratio | 13.6757% | 4,270 |
| Memoranda: |
| Average total assets | $2,626,653,250 | 336 |
| Average earning assets | $2,418,494,500 | 333 |
| Average equity | $278,070,250 | 345 |
| Average total loans | $1,971,787,500 | 318 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2078% | 2,443 |
| Cost of funding earning assets | 0.5058% | 2,123 |
| Net interest margin | 3.7021% | 2,652 |
| Noninterest income to average assets | 0.6505% | 2,200 |
| Noninterest expense to average assets | 2.5447% | 3,602 |
| Loan and lease loss provision to assets | 0.0925% | 2,139 |
| Net operating income to assets | 1.0195% | 2,335 |
| Return on assets (ROA) | 1.1049% | 1,999 |
| Pretax return on assets | 1.5440% | 1,511 |
| Return on Equity (ROE) | 10.4582% | 1,857 |
| Retained earnings to average equity (ytd only) | 7.7725% | 1,251 |
| Net charge-offs to loans | 0.0060% | 3,245 |
| Credit loss provision to net charge-offs | 2,068.9655% | 207 |
| Earnings coverage of net charge-offs (x) | 339.4483% | 252 |
| Efficiency ratio | 61.3793% | 4,105 |
| Assets per employee ($millions) | 5.7661% | 1,637 |
| Cash dividends to net income (ytd only)* | 25.6804% | 2,912 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7760% | 5,001 |
| Loan loss allowance to noncurrent loans | 79.1660% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 2,268 |
| Noncurrent loans to loans | 0.9802% | 2,003 |
| Net loans and leases to total assets | 75.1643% | 1,669 |
| Net loans and leases to deposits | 96.1704% | 1,061 |
| Net loans and leases to core deposits | 97.2840% | 1,868 |
| Total domestic deposits to total assets | 78.1574% | 4,787 |
| Equity capital to assets | 10.7393% | 3,091 |
| Core capital (leverage) ratio | 9.8412% | 3,727 |
| Tier 1 risk-based capital ratio | 13.0815% | 3,952 |
| Total risk-based capital ratio | 13.8856% | 4,136 |
| Memoranda: |
| Average total assets | $2,593,966,000 | 343 |
| Average earning assets | $2,390,825,670 | 339 |
| Average equity | $274,044,000 | 350 |
| Average total loans | $1,931,625,670 | 325 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1071% | 2,631 |
| Cost of funding earning assets | 0.5035% | 2,062 |
| Net interest margin | 3.6036% | 2,878 |
| Noninterest income to average assets | 0.6206% | 2,316 |
| Noninterest expense to average assets | 2.5127% | 3,769 |
| Loan and lease loss provision to assets | 0.0859% | 2,102 |
| Net operating income to assets | 0.9626% | 2,468 |
| Return on assets (ROA) | 1.1181% | 1,838 |
| Pretax return on assets | 1.5589% | 1,342 |
| Return on Equity (ROE) | 10.6749% | 1,679 |
| Retained earnings to average equity (ytd only) | 9.3630% | 963 |
| Net charge-offs to loans | 0.0235% | 2,292 |
| Credit loss provision to net charge-offs | 495.4955% | 576 |
| Earnings coverage of net charge-offs (x) | 82.4414% | 643 |
| Efficiency ratio | 62.4386% | 4,087 |
| Assets per employee ($millions) | 5.6377% | 1,778 |
| Cash dividends to net income (ytd only)* | 12.2888% | 2,664 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7816% | 5,111 |
| Loan loss allowance to noncurrent loans | 72.3491% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.8372% | 2,205 |
| Noncurrent loans to loans | 1.0803% | 1,897 |
| Net loans and leases to total assets | 73.6844% | 1,793 |
| Net loans and leases to deposits | 93.2110% | 1,197 |
| Net loans and leases to core deposits | 94.2818% | 1,959 |
| Total domestic deposits to total assets | 79.0513% | 4,811 |
| Equity capital to assets | 10.8600% | 2,791 |
| Core capital (leverage) ratio | 9.8724% | 3,659 |
| Tier 1 risk-based capital ratio | 13.4547% | 3,799 |
| Total risk-based capital ratio | 14.2592% | 3,978 |
| Memoranda: |
| Average total assets | $2,561,858,000 | 348 |
| Average earning assets | $2,360,889,000 | 344 |
| Average equity | $268,331,500 | 354 |
| Average total loans | $1,890,624,500 | 329 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0990% | 2,858 |
| Cost of funding earning assets | 0.5264% | 1,894 |
| Net interest margin | 3.5726% | 3,176 |
| Noninterest income to average assets | 0.6149% | 2,584 |
| Noninterest expense to average assets | 2.6565% | 3,502 |
| Loan and lease loss provision to assets | 0.0503% | 3,387 |
| Net operating income to assets | 0.8858% | 2,902 |
| Return on assets (ROA) | 0.9165% | 2,853 |
| Pretax return on assets | 1.2470% | 2,483 |
| Return on Equity (ROE) | 9.7013% | 2,102 |
| Retained earnings to average equity (ytd only) | 5.8445% | 1,795 |
| Net charge-offs to loans | 0.0982% | 2,312 |
| Credit loss provision to net charge-offs | 72.0721% | 3,096 |
| Earnings coverage of net charge-offs (x) | 17.9988% | 2,004 |
| Efficiency ratio | 66.7088% | 3,480 |
| Assets per employee ($millions) | 5.6606% | 1,731 |
| Cash dividends to net income (ytd only)* | 39.7551% | 2,866 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7736% | 5,175 |
| Loan loss allowance to noncurrent loans | 100.4648% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 2,910 |
| Noncurrent loans to loans | 0.7701% | 2,602 |
| Net loans and leases to total assets | 72.7625% | 2,050 |
| Net loans and leases to deposits | 91.9752% | 1,460 |
| Net loans and leases to core deposits | 93.1584% | 2,194 |
| Total domestic deposits to total assets | 79.1109% | 4,768 |
| Equity capital to assets | 10.0855% | 3,625 |
| Core capital (leverage) ratio | 9.3557% | 4,276 |
| Tier 1 risk-based capital ratio | 12.4058% | 4,438 |
| Total risk-based capital ratio | 13.1935% | 4,653 |
| Memoranda: |
| Average total assets | $2,387,656,800 | 350 |
| Average earning assets | $2,203,336,600 | 347 |
| Average equity | $225,578,600 | 391 |
| Average total loans | $1,696,254,800 | 342 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0880% | 2,917 |
| Cost of funding earning assets | 0.5378% | 1,807 |
| Net interest margin | 3.5503% | 3,269 |
| Noninterest income to average assets | 0.5056% | 3,209 |
| Noninterest expense to average assets | 2.6283% | 3,571 |
| Loan and lease loss provision to assets | 0.0085% | 4,064 |
| Net operating income to assets | 0.8601% | 3,100 |
| Return on assets (ROA) | 0.9083% | 2,998 |
| Pretax return on assets | 1.2104% | 2,794 |
| Return on Equity (ROE) | 9.7937% | 2,145 |
| Retained earnings to average equity (ytd only) | 6.0561% | 2,160 |
| Net charge-offs to loans | 0.0840% | 2,126 |
| Credit loss provision to net charge-offs | 14.4092% | 3,336 |
| Earnings coverage of net charge-offs (x) | 19.5187% | 1,929 |
| Efficiency ratio | 68.3075% | 3,173 |
| Assets per employee ($millions) | 5.7659% | 1,604 |
| Cash dividends to net income (ytd only)* | 38.1632% | 2,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7833% | 5,237 |
| Loan loss allowance to noncurrent loans | 98.5005% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 3,081 |
| Noncurrent loans to loans | 0.7952% | 2,681 |
| Net loans and leases to total assets | 70.6680% | 2,395 |
| Net loans and leases to deposits | 87.9581% | 2,022 |
| Net loans and leases to core deposits | 89.1363% | 2,657 |
| Total domestic deposits to total assets | 80.3428% | 4,431 |
| Equity capital to assets | 10.3520% | 3,743 |
| Core capital (leverage) ratio | 9.1142% | 4,701 |
| Tier 1 risk-based capital ratio | 12.3786% | 4,553 |
| Total risk-based capital ratio | 13.1518% | 4,744 |
| Memoranda: |
| Average total assets | $2,346,338,000 | 354 |
| Average earning assets | $2,165,937,500 | 349 |
| Average equity | $217,604,250 | 407 |
| Average total loans | $1,652,303,750 | 349 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9921% | 3,267 |
| Cost of funding earning assets | 0.5524% | 1,683 |
| Net interest margin | 3.4397% | 3,729 |
| Noninterest income to average assets | 0.4982% | 3,206 |
| Noninterest expense to average assets | 2.6869% | 3,435 |
| Loan and lease loss provision to assets | 0.0131% | 3,842 |
| Net operating income to assets | 0.7523% | 3,537 |
| Return on assets (ROA) | 0.8211% | 3,351 |
| Pretax return on assets | 1.0859% | 3,258 |
| Return on Equity (ROE) | 9.2414% | 2,382 |
| Retained earnings to average equity (ytd only) | 5.7965% | 2,237 |
| Net charge-offs to loans | 0.0892% | 1,952 |
| Credit loss provision to net charge-offs | 20.9497% | 2,924 |
| Earnings coverage of net charge-offs (x) | 16.1061% | 1,948 |
| Efficiency ratio | 71.6862% | 2,717 |
| Assets per employee ($millions) | 5.5362% | 1,762 |
| Cash dividends to net income (ytd only)* | 37.2777% | 2,545 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8730% | 5,038 |
| Loan loss allowance to noncurrent loans | 130.8882% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 3,555 |
| Noncurrent loans to loans | 0.6669% | 3,069 |
| Net loans and leases to total assets | 70.5714% | 2,389 |
| Net loans and leases to deposits | 86.5535% | 2,181 |
| Net loans and leases to core deposits | 87.3877% | 2,786 |
| Total domestic deposits to total assets | 81.5350% | 4,131 |
| Equity capital to assets | 8.9639% | 5,264 |
| Core capital (leverage) ratio | 8.0848% | 5,678 |
| Tier 1 risk-based capital ratio | 11.0199% | 5,413 |
| Total risk-based capital ratio | 11.8808% | 5,528 |
| Memoranda: |
| Average total assets | $2,286,847,330 | 361 |
| Average earning assets | $2,125,697,330 | 355 |
| Average equity | $203,193,330 | 428 |
| Average total loans | $1,604,848,670 | 353 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9718% | 3,326 |
| Cost of funding earning assets | 0.5608% | 1,618 |
| Net interest margin | 3.4110% | 3,834 |
| Noninterest income to average assets | 0.4946% | 3,154 |
| Noninterest expense to average assets | 2.3401% | 4,549 |
| Loan and lease loss provision to assets | 0.0880% | 2,214 |
| Net operating income to assets | 0.9187% | 2,660 |
| Return on assets (ROA) | 0.9187% | 2,770 |
| Pretax return on assets | 1.2346% | 2,561 |
| Return on Equity (ROE) | 10.3864% | 1,825 |
| Retained earnings to average equity (ytd only) | 8.3970% | 1,300 |
| Net charge-offs to loans | 0.0935% | 1,580 |
| Credit loss provision to net charge-offs | 135.1351% | 1,339 |
| Earnings coverage of net charge-offs (x) | 20.3135% | 1,470 |
| Efficiency ratio | 62.8537% | 4,319 |
| Assets per employee ($millions) | 5.5793% | 1,759 |
| Cash dividends to net income (ytd only)* | 19.1534% | 2,570 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9438% | 4,882 |
| Loan loss allowance to noncurrent loans | 132.6822% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 3,497 |
| Noncurrent loans to loans | 0.7113% | 3,066 |
| Net loans and leases to total assets | 69.3529% | 2,449 |
| Net loans and leases to deposits | 83.7046% | 2,341 |
| Net loans and leases to core deposits | 84.4517% | 2,892 |
| Total domestic deposits to total assets | 82.8544% | 3,947 |
| Equity capital to assets | 8.9800% | 5,187 |
| Core capital (leverage) ratio | 8.1239% | 5,706 |
| Tier 1 risk-based capital ratio | 11.0698% | 5,471 |
| Total risk-based capital ratio | 11.9852% | 5,554 |
| Memoranda: |
| Average total assets | $2,273,199,500 | 358 |
| Average earning assets | $2,111,309,500 | 355 |
| Average equity | $201,071,000 | 425 |
| Average total loans | $1,583,520,000 | 356 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0327% | 3,180 |
| Cost of funding earning assets | 0.5749% | 1,549 |
| Net interest margin | 3.4579% | 3,682 |
| Noninterest income to average assets | 0.5416% | 3,064 |
| Noninterest expense to average assets | 2.3727% | 4,580 |
| Loan and lease loss provision to assets | 0.0332% | 3,701 |
| Net operating income to assets | 0.9852% | 2,445 |
| Return on assets (ROA) | 1.0072% | 2,411 |
| Pretax return on assets | 1.3777% | 1,986 |
| Return on Equity (ROE) | 11.6321% | 1,398 |
| Retained earnings to average equity (ytd only) | 6.2035% | 1,702 |
| Net charge-offs to loans | 0.1073% | 2,314 |
| Credit loss provision to net charge-offs | 47.4500% | 3,443 |
| Earnings coverage of net charge-offs (x) | 19.7276% | 1,925 |
| Efficiency ratio | 62.0033% | 4,601 |
| Assets per employee ($millions) | 5.5366% | 1,757 |
| Cash dividends to net income (ytd only)* | 46.6694% | 2,490 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9525% | 4,855 |
| Loan loss allowance to noncurrent loans | 135.9280% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 3,569 |
| Noncurrent loans to loans | 0.7007% | 3,096 |
| Net loans and leases to total assets | 68.6443% | 2,602 |
| Net loans and leases to deposits | 85.6185% | 2,173 |
| Net loans and leases to core deposits | 86.5811% | 2,747 |
| Total domestic deposits to total assets | 80.1747% | 4,703 |
| Equity capital to assets | 8.7095% | 5,383 |
| Core capital (leverage) ratio | 8.0644% | 5,795 |
| Tier 1 risk-based capital ratio | 11.1355% | 5,449 |
| Total risk-based capital ratio | 12.0688% | 5,521 |
| Memoranda: |
| Average total assets | $2,213,272,200 | 354 |
| Average earning assets | $2,055,750,800 | 350 |
| Average equity | $191,651,000 | 431 |
| Average total loans | $1,443,653,200 | 363 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0461% | 3,142 |
| Cost of funding earning assets | 0.5813% | 1,534 |
| Net interest margin | 3.4648% | 3,695 |
| Noninterest income to average assets | 0.5285% | 3,178 |
| Noninterest expense to average assets | 2.3530% | 4,644 |
| Loan and lease loss provision to assets | 0.0324% | 3,588 |
| Net operating income to assets | 0.9955% | 2,493 |
| Return on assets (ROA) | 1.0205% | 2,470 |
| Pretax return on assets | 1.3967% | 2,026 |
| Return on Equity (ROE) | 11.8034% | 1,429 |
| Retained earnings to average equity (ytd only) | 6.1943% | 2,122 |
| Net charge-offs to loans | 0.0708% | 2,552 |
| Credit loss provision to net charge-offs | 71.3333% | 2,743 |
| Earnings coverage of net charge-offs (x) | 30.6918% | 1,469 |
| Efficiency ratio | 61.5281% | 4,642 |
| Assets per employee ($millions) | 5.4479% | 1,829 |
| Cash dividends to net income (ytd only)* | 47.5212% | 1,977 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0315% | 4,575 |
| Loan loss allowance to noncurrent loans | 134.9683% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 3,688 |
| Noncurrent loans to loans | 0.7642% | 3,055 |
| Net loans and leases to total assets | 66.6207% | 2,916 |
| Net loans and leases to deposits | 80.7191% | 2,796 |
| Net loans and leases to core deposits | 81.9345% | 3,261 |
| Total domestic deposits to total assets | 82.5340% | 3,974 |
| Equity capital to assets | 8.7321% | 5,557 |
| Core capital (leverage) ratio | 7.9834% | 5,916 |
| Tier 1 risk-based capital ratio | 11.3208% | 5,479 |
| Total risk-based capital ratio | 12.3251% | 5,512 |
| Memoranda: |
| Average total assets | $2,200,470,250 | 360 |
| Average earning assets | $2,044,496,000 | 354 |
| Average equity | $190,257,250 | 436 |
| Average total loans | $1,412,220,250 | 370 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0255% | 3,184 |
| Cost of funding earning assets | 0.5786% | 1,582 |
| Net interest margin | 3.4469% | 3,722 |
| Noninterest income to average assets | 0.5325% | 3,153 |
| Noninterest expense to average assets | 2.3255% | 4,782 |
| Loan and lease loss provision to assets | 0.0489% | 3,144 |
| Net operating income to assets | 0.9932% | 2,421 |
| Return on assets (ROA) | 1.0262% | 2,373 |
| Pretax return on assets | 1.4061% | 1,957 |
| Return on Equity (ROE) | 11.9086% | 1,393 |
| Retained earnings to average equity (ytd only) | 6.0689% | 2,199 |
| Net charge-offs to loans | 0.0611% | 2,506 |
| Credit loss provision to net charge-offs | 126.7773% | 1,731 |
| Earnings coverage of net charge-offs (x) | 36.5427% | 1,195 |
| Efficiency ratio | 60.9883% | 4,830 |
| Assets per employee ($millions) | 5.5972% | 1,660 |
| Cash dividends to net income (ytd only)* | 49.0378% | 1,983 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0989% | 4,329 |
| Loan loss allowance to noncurrent loans | 140.1642% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 3,764 |
| Noncurrent loans to loans | 0.7840% | 3,143 |
| Net loans and leases to total assets | 63.9778% | 3,267 |
| Net loans and leases to deposits | 76.6975% | 3,193 |
| Net loans and leases to core deposits | 77.9105% | 3,585 |
| Total domestic deposits to total assets | 83.4158% | 3,784 |
| Equity capital to assets | 8.4458% | 5,725 |
| Core capital (leverage) ratio | 7.9327% | 5,960 |
| Tier 1 risk-based capital ratio | 11.6736% | 5,355 |
| Total risk-based capital ratio | 12.7506% | 5,384 |
| Memoranda: |
| Average total assets | $2,187,592,000 | 359 |
| Average earning assets | $2,032,722,330 | 354 |
| Average equity | $188,502,330 | 441 |
| Average total loans | $1,380,542,330 | 376 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0930% | 2,863 |
| Cost of funding earning assets | 0.5730% | 1,633 |
| Net interest margin | 3.5200% | 3,345 |
| Noninterest income to average assets | 0.4921% | 3,335 |
| Noninterest expense to average assets | 2.2558% | 4,983 |
| Loan and lease loss provision to assets | 0.0989% | 2,046 |
| Net operating income to assets | 1.0305% | 2,122 |
| Return on assets (ROA) | 1.0335% | 2,257 |
| Pretax return on assets | 1.4176% | 1,824 |
| Return on Equity (ROE) | 11.8720% | 1,385 |
| Retained earnings to average equity (ytd only) | 5.6017% | 2,715 |
| Net charge-offs to loans | 0.0463% | 2,334 |
| Credit loss provision to net charge-offs | 342.9487% | 738 |
| Earnings coverage of net charge-offs (x) | 52.4679% | 810 |
| Efficiency ratio | 58.5936% | 5,266 |
| Assets per employee ($millions) | 5.5391% | 1,764 |
| Cash dividends to net income (ytd only)* | 52.8160% | 1,625 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1962% | 4,005 |
| Loan loss allowance to noncurrent loans | 191.1535% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 4,291 |
| Noncurrent loans to loans | 0.6258% | 3,707 |
| Net loans and leases to total assets | 61.7170% | 3,414 |
| Net loans and leases to deposits | 71.3817% | 3,607 |
| Net loans and leases to core deposits | 72.5966% | 3,903 |
| Total domestic deposits to total assets | 86.4606% | 2,688 |
| Equity capital to assets | 8.8978% | 5,394 |
| Core capital (leverage) ratio | 7.9983% | 5,948 |
| Tier 1 risk-based capital ratio | 11.9956% | 5,241 |
| Total risk-based capital ratio | 13.1338% | 5,207 |
| Memoranda: |
| Average total assets | $2,164,740,500 | 364 |
| Average earning assets | $2,014,779,000 | 354 |
| Average equity | $188,444,000 | 439 |
| Average total loans | $1,348,469,000 | 378 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1798% | 3,013 |
| Cost of funding earning assets | 0.5860% | 1,894 |
| Net interest margin | 3.5938% | 3,433 |
| Noninterest income to average assets | 0.5567% | 3,137 |
| Noninterest expense to average assets | 2.3063% | 5,098 |
| Loan and lease loss provision to assets | 0.1008% | 2,474 |
| Net operating income to assets | 1.0618% | 2,120 |
| Return on assets (ROA) | 1.0762% | 2,119 |
| Pretax return on assets | 1.5046% | 1,523 |
| Return on Equity (ROE) | 13.2494% | 1,086 |
| Retained earnings to average equity (ytd only) | 7.1005% | 1,352 |
| Net charge-offs to loans | 0.0954% | 3,140 |
| Credit loss provision to net charge-offs | 172.6763% | 1,403 |
| Earnings coverage of net charge-offs (x) | 27.1506% | 1,443 |
| Efficiency ratio | 57.8431% | 5,475 |
| Assets per employee ($millions) | 5.7387% | 1,570 |
| Cash dividends to net income (ytd only)* | 46.4090% | 2,494 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1697% | 4,171 |
| Loan loss allowance to noncurrent loans | 184.8698% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 4,384 |
| Noncurrent loans to loans | 0.6327% | 3,786 |
| Net loans and leases to total assets | 61.3947% | 3,589 |
| Net loans and leases to deposits | 72.0836% | 3,674 |
| Net loans and leases to core deposits | 73.3104% | 3,991 |
| Total domestic deposits to total assets | 85.1715% | 3,220 |
| Equity capital to assets | 8.5133% | 5,742 |
| Core capital (leverage) ratio | 7.7113% | 6,126 |
| Tier 1 risk-based capital ratio | 12.0144% | 5,357 |
| Total risk-based capital ratio | 13.1633% | 5,330 |
| Memoranda: |
| Average total assets | $2,137,246,800 | 354 |
| Average earning assets | $1,983,356,000 | 340 |
| Average equity | $173,608,200 | 455 |
| Average total loans | $1,308,328,400 | 363 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1444% | 3,193 |
| Cost of funding earning assets | 0.5885% | 1,939 |
| Net interest margin | 3.5559% | 3,603 |
| Noninterest income to average assets | 0.5492% | 3,209 |
| Noninterest expense to average assets | 2.3020% | 5,097 |
| Loan and lease loss provision to assets | 0.1518% | 1,638 |
| Net operating income to assets | 1.0037% | 2,439 |
| Return on assets (ROA) | 1.0147% | 2,446 |
| Pretax return on assets | 1.4087% | 1,977 |
| Return on Equity (ROE) | 12.6468% | 1,309 |
| Retained earnings to average equity (ytd only) | 5.8766% | 2,481 |
| Net charge-offs to loans | 0.0977% | 2,827 |
| Credit loss provision to net charge-offs | 254.7269% | 1,036 |
| Earnings coverage of net charge-offs (x) | 25.9202% | 1,496 |
| Efficiency ratio | 58.3620% | 5,395 |
| Assets per employee ($millions) | 5.8037% | 1,487 |
| Cash dividends to net income (ytd only)* | 53.5329% | 1,670 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2378% | 4,035 |
| Loan loss allowance to noncurrent loans | 165.7328% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 4,355 |
| Noncurrent loans to loans | 0.7468% | 3,733 |
| Net loans and leases to total assets | 60.5078% | 3,700 |
| Net loans and leases to deposits | 69.7757% | 3,943 |
| Net loans and leases to core deposits | 70.9477% | 4,247 |
| Total domestic deposits to total assets | 86.7175% | 2,468 |
| Equity capital to assets | 8.2673% | 5,970 |
| Core capital (leverage) ratio | 7.5725% | 6,248 |
| Tier 1 risk-based capital ratio | 11.9261% | 5,536 |
| Total risk-based capital ratio | 13.1446% | 5,479 |
| Memoranda: |
| Average total assets | $2,129,255,250 | 350 |
| Average earning assets | $1,974,866,750 | 338 |
| Average equity | $170,842,500 | 458 |
| Average total loans | $1,298,524,500 | 366 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1602% | 3,102 |
| Cost of funding earning assets | 0.5900% | 1,979 |
| Net interest margin | 3.5702% | 3,483 |
| Noninterest income to average assets | 0.5456% | 3,164 |
| Noninterest expense to average assets | 2.3065% | 5,130 |
| Loan and lease loss provision to assets | 0.1721% | 1,427 |
| Net operating income to assets | 0.9918% | 2,352 |
| Return on assets (ROA) | 1.0056% | 2,369 |
| Pretax return on assets | 1.3948% | 1,908 |
| Return on Equity (ROE) | 12.6634% | 1,273 |
| Retained earnings to average equity (ytd only) | 5.4424% | 2,677 |
| Net charge-offs to loans | 0.1062% | 2,619 |
| Credit loss provision to net charge-offs | 266.0350% | 948 |
| Earnings coverage of net charge-offs (x) | 23.9286% | 1,450 |
| Efficiency ratio | 58.3674% | 5,505 |
| Assets per employee ($millions) | 5.7293% | 1,498 |
| Cash dividends to net income (ytd only)* | 57.0223% | 1,646 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2293% | 4,279 |
| Loan loss allowance to noncurrent loans | 137.7962% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 4,215 |
| Noncurrent loans to loans | 0.8921% | 3,469 |
| Net loans and leases to total assets | 60.1322% | 3,695 |
| Net loans and leases to deposits | 69.4119% | 3,897 |
| Net loans and leases to core deposits | 70.7997% | 4,172 |
| Total domestic deposits to total assets | 86.6309% | 2,679 |
| Equity capital to assets | 8.1408% | 6,069 |
| Core capital (leverage) ratio | 7.4935% | 6,316 |
| Tier 1 risk-based capital ratio | 11.7685% | 5,654 |
| Total risk-based capital ratio | 12.9704% | 5,629 |
| Memoranda: |
| Average total assets | $2,121,286,330 | 346 |
| Average earning assets | $1,965,812,670 | 335 |
| Average equity | $168,454,000 | 462 |
| Average total loans | $1,291,646,330 | 363 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1494% | 3,077 |
| Cost of funding earning assets | 0.5847% | 2,119 |
| Net interest margin | 3.5647% | 3,410 |
| Noninterest income to average assets | 0.5458% | 3,076 |
| Noninterest expense to average assets | 2.3850% | 4,974 |
| Loan and lease loss provision to assets | 0.1372% | 1,765 |
| Net operating income to assets | 0.9591% | 2,364 |
| Return on assets (ROA) | 0.9681% | 2,397 |
| Pretax return on assets | 1.3398% | 1,957 |
| Return on Equity (ROE) | 12.3480% | 1,327 |
| Retained earnings to average equity (ytd only) | 7.5198% | 1,808 |
| Net charge-offs to loans | 0.0758% | 2,389 |
| Credit loss provision to net charge-offs | 297.1311% | 806 |
| Earnings coverage of net charge-offs (x) | 31.7131% | 1,013 |
| Efficiency ratio | 60.4700% | 5,340 |
| Assets per employee ($millions) | 5.8099% | 1,448 |
| Cash dividends to net income (ytd only)* | 39.1007% | 2,028 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1922% | 4,670 |
| Loan loss allowance to noncurrent loans | 134.4555% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 4,384 |
| Noncurrent loans to loans | 0.8867% | 3,664 |
| Net loans and leases to total assets | 60.0998% | 3,549 |
| Net loans and leases to deposits | 69.4926% | 3,660 |
| Net loans and leases to core deposits | 71.3075% | 3,949 |
| Total domestic deposits to total assets | 86.4838% | 3,118 |
| Equity capital to assets | 8.0105% | 6,052 |
| Core capital (leverage) ratio | 7.5061% | 6,335 |
| Tier 1 risk-based capital ratio | 11.7239% | 5,798 |
| Total risk-based capital ratio | 12.8839% | 5,791 |
| Memoranda: |
| Average total assets | $2,113,415,000 | 349 |
| Average earning assets | $1,958,658,000 | 340 |
| Average equity | $165,695,500 | 468 |
| Average total loans | $1,286,951,500 | 362 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8902% | 4,495 |
| Cost of funding earning assets | 0.6424% | 2,275 |
| Net interest margin | 3.2478% | 4,843 |
| Noninterest income to average assets | 0.6230% | 2,957 |
| Noninterest expense to average assets | 2.2375% | 5,536 |
| Loan and lease loss provision to assets | 0.2618% | 1,358 |
| Net operating income to assets | 0.8566% | 2,995 |
| Return on assets (ROA) | 0.8614% | 3,052 |
| Pretax return on assets | 1.1745% | 2,673 |
| Return on Equity (ROE) | 11.5545% | 1,568 |
| Retained earnings to average equity (ytd only) | 10.1966% | 526 |
| Net charge-offs to loans | 0.2833% | 2,278 |
| Credit loss provision to net charge-offs | 166.8961% | 1,364 |
| Earnings coverage of net charge-offs (x) | 9.1132% | 2,554 |
| Efficiency ratio | 60.6436% | 5,393 |
| Assets per employee ($millions) | 5.9160% | 1,328 |
| Cash dividends to net income (ytd only)* | 11.7518% | 3,981 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1537% | 4,893 |
| Loan loss allowance to noncurrent loans | 132.9663% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 4,505 |
| Noncurrent loans to loans | 0.8677% | 3,811 |
| Net loans and leases to total assets | 60.2605% | 3,667 |
| Net loans and leases to deposits | 69.3260% | 3,868 |
| Net loans and leases to core deposits | 72.0879% | 4,056 |
| Total domestic deposits to total assets | 86.9234% | 2,766 |
| Equity capital to assets | 7.6696% | 6,199 |
| Core capital (leverage) ratio | 7.3874% | 6,417 |
| Tier 1 risk-based capital ratio | 11.4499% | 5,932 |
| Total risk-based capital ratio | 12.5719% | 5,949 |
| Memoranda: |
| Average total assets | $1,852,252,600 | 376 |
| Average earning assets | $1,736,215,000 | 362 |
| Average equity | $138,085,200 | 526 |
| Average total loans | $1,025,633,600 | 424 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8167% | 4,790 |
| Cost of funding earning assets | 0.6529% | 2,336 |
| Net interest margin | 3.1638% | 5,103 |
| Noninterest income to average assets | 0.6285% | 3,002 |
| Noninterest expense to average assets | 2.1652% | 5,689 |
| Loan and lease loss provision to assets | 0.2991% | 1,133 |
| Net operating income to assets | 0.8460% | 3,119 |
| Return on assets (ROA) | 0.8512% | 3,203 |
| Pretax return on assets | 1.1459% | 2,911 |
| Return on Equity (ROE) | 11.5163% | 1,648 |
| Retained earnings to average equity (ytd only) | 9.6240% | 878 |
| Net charge-offs to loans | 0.1389% | 3,152 |
| Credit loss provision to net charge-offs | 401.0000% | 663 |
| Earnings coverage of net charge-offs (x) | 19.2770% | 1,635 |
| Efficiency ratio | 60.0907% | 5,423 |
| Assets per employee ($millions) | 6.0572% | 1,198 |
| Cash dividends to net income (ytd only)* | 16.4315% | 3,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5587% | 3,190 |
| Loan loss allowance to noncurrent loans | 116.5947% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 4,209 |
| Noncurrent loans to loans | 1.3368% | 3,187 |
| Net loans and leases to total assets | 55.1515% | 4,437 |
| Net loans and leases to deposits | 64.7483% | 4,438 |
| Net loans and leases to core deposits | 66.2182% | 4,691 |
| Total domestic deposits to total assets | 85.1783% | 3,646 |
| Equity capital to assets | 6.9420% | 6,566 |
| Core capital (leverage) ratio | 7.2205% | 6,538 |
| Tier 1 risk-based capital ratio | 12.2007% | 5,647 |
| Total risk-based capital ratio | 13.4538% | 5,581 |
| Memoranda: |
| Average total assets | $1,787,313,500 | 388 |
| Average earning assets | $1,680,521,250 | 373 |
| Average equity | $132,110,750 | 549 |
| Average total loans | $960,151,250 | 443 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7916% | 4,856 |
| Cost of funding earning assets | 0.6889% | 2,151 |
| Net interest margin | 3.1027% | 5,268 |
| Noninterest income to average assets | 0.6366% | 2,979 |
| Noninterest expense to average assets | 2.1685% | 5,704 |
| Loan and lease loss provision to assets | 0.3943% | 798 |
| Net operating income to assets | 0.7647% | 3,495 |
| Return on assets (ROA) | 0.7728% | 3,597 |
| Pretax return on assets | 1.0068% | 3,479 |
| Return on Equity (ROE) | 10.2420% | 2,111 |
| Retained earnings to average equity (ytd only) | 7.4426% | 1,692 |
| Net charge-offs to loans | 0.4478% | 1,460 |
| Credit loss provision to net charge-offs | 166.3498% | 1,424 |
| Earnings coverage of net charge-offs (x) | 5.8664% | 2,817 |
| Efficiency ratio | 60.9300% | 5,346 |
| Assets per employee ($millions) | 5.8938% | 1,281 |
| Cash dividends to net income (ytd only)* | 27.3324% | 2,750 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4695% | 3,723 |
| Loan loss allowance to noncurrent loans | 74.6050% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.0800% | 3,576 |
| Noncurrent loans to loans | 1.9697% | 2,433 |
| Net loans and leases to total assets | 53.5397% | 4,653 |
| Net loans and leases to deposits | 62.0139% | 4,742 |
| Net loans and leases to core deposits | 63.6234% | 4,937 |
| Total domestic deposits to total assets | 86.3351% | 3,185 |
| Equity capital to assets | 6.9799% | 6,608 |
| Core capital (leverage) ratio | 6.9611% | 6,622 |
| Tier 1 risk-based capital ratio | 12.1820% | 5,687 |
| Total risk-based capital ratio | 13.4337% | 5,635 |
| Memoranda: |
| Average total assets | $1,775,348,670 | 388 |
| Average earning assets | $1,672,171,330 | 374 |
| Average equity | $133,958,670 | 544 |
| Average total loans | $939,719,330 | 450 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7823% | 4,883 |
| Cost of funding earning assets | 0.7213% | 2,054 |
| Net interest margin | 3.0610% | 5,393 |
| Noninterest income to average assets | 0.5543% | 3,406 |
| Noninterest expense to average assets | 2.0605% | 5,982 |
| Loan and lease loss provision to assets | 0.1528% | 2,337 |
| Net operating income to assets | 0.9043% | 2,632 |
| Return on assets (ROA) | 0.9174% | 2,721 |
| Pretax return on assets | 1.2454% | 2,417 |
| Return on Equity (ROE) | 11.7132% | 1,492 |
| Retained earnings to average equity (ytd only) | 6.2944% | 2,513 |
| Net charge-offs to loans | 0.3589% | 1,562 |
| Credit loss provision to net charge-offs | 81.5217% | 2,143 |
| Earnings coverage of net charge-offs (x) | 7.3659% | 2,078 |
| Efficiency ratio | 59.8803% | 5,604 |
| Assets per employee ($millions) | 5.8538% | 1,369 |
| Cash dividends to net income (ytd only)* | 46.2620% | 1,679 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3799% | 4,333 |
| Loan loss allowance to noncurrent loans | 78.7531% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 4,070 |
| Noncurrent loans to loans | 1.7522% | 2,929 |
| Net loans and leases to total assets | 51.0692% | 4,831 |
| Net loans and leases to deposits | 58.9840% | 4,908 |
| Net loans and leases to core deposits | 60.7736% | 5,070 |
| Total domestic deposits to total assets | 86.5815% | 3,191 |
| Equity capital to assets | 7.7642% | 6,495 |
| Core capital (leverage) ratio | 6.9772% | 6,649 |
| Tier 1 risk-based capital ratio | 12.4521% | 5,607 |
| Total risk-based capital ratio | 13.7032% | 5,557 |
| Memoranda: |
| Average total assets | $1,767,161,500 | 395 |
| Average earning assets | $1,666,516,500 | 381 |
| Average equity | $138,408,000 | 537 |
| Average total loans | $922,783,500 | 456 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1030% | 4,940 |
| Cost of funding earning assets | 0.8850% | 2,030 |
| Net interest margin | 3.2180% | 5,525 |
| Noninterest income to average assets | 0.5812% | 3,386 |
| Noninterest expense to average assets | 2.0216% | 6,285 |
| Loan and lease loss provision to assets | 0.3123% | 2,193 |
| Net operating income to assets | 0.9319% | 2,636 |
| Return on assets (ROA) | 0.9917% | 2,595 |
| Pretax return on assets | 1.3506% | 2,208 |
| Return on Equity (ROE) | 12.6063% | 1,332 |
| Retained earnings to average equity (ytd only) | 6.5655% | 1,784 |
| Net charge-offs to loans | 0.4585% | 2,404 |
| Credit loss provision to net charge-offs | 129.5017% | 2,168 |
| Earnings coverage of net charge-offs (x) | 6.5562% | 2,789 |
| Efficiency ratio | 56.1178% | 6,043 |
| Assets per employee ($millions) | 5.8689% | 1,380 |
| Cash dividends to net income (ytd only)* | 47.9189% | 2,434 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4018% | 4,167 |
| Loan loss allowance to noncurrent loans | 88.5225% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 4,339 |
| Noncurrent loans to loans | 1.5836% | 3,247 |
| Net loans and leases to total assets | 51.9239% | 4,941 |
| Net loans and leases to deposits | 61.1339% | 4,894 |
| Net loans and leases to core deposits | 62.9375% | 5,071 |
| Total domestic deposits to total assets | 84.9346% | 3,892 |
| Equity capital to assets | 7.9017% | 6,458 |
| Core capital (leverage) ratio | 6.9894% | 6,705 |
| Tier 1 risk-based capital ratio | 12.2092% | 5,654 |
| Total risk-based capital ratio | 13.4608% | 5,606 |
| Memoranda: |
| Average total assets | $1,681,311,000 | 408 |
| Average earning assets | $1,578,567,200 | 392 |
| Average equity | $132,267,600 | 546 |
| Average total loans | $884,155,800 | 463 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1561% | 4,964 |
| Cost of funding earning assets | 0.9246% | 2,017 |
| Net interest margin | 3.2316% | 5,611 |
| Noninterest income to average assets | 0.5790% | 3,413 |
| Noninterest expense to average assets | 2.0571% | 6,250 |
| Loan and lease loss provision to assets | 0.2603% | 2,495 |
| Net operating income to assets | 0.9467% | 2,762 |
| Return on assets (ROA) | 1.0286% | 2,588 |
| Pretax return on assets | 1.4076% | 2,210 |
| Return on Equity (ROE) | 13.0898% | 1,316 |
| Retained earnings to average equity (ytd only) | 6.8813% | 2,188 |
| Net charge-offs to loans | 0.3727% | 2,607 |
| Credit loss provision to net charge-offs | 132.8700% | 2,175 |
| Earnings coverage of net charge-offs (x) | 7.9403% | 2,525 |
| Efficiency ratio | 56.9376% | 5,928 |
| Assets per employee ($millions) | 5.8410% | 1,344 |
| Cash dividends to net income (ytd only)* | 47.4299% | 1,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3831% | 4,446 |
| Loan loss allowance to noncurrent loans | 66.7289% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 4,053 |
| Noncurrent loans to loans | 2.0727% | 2,769 |
| Net loans and leases to total assets | 51.9793% | 5,049 |
| Net loans and leases to deposits | 60.2710% | 5,176 |
| Net loans and leases to core deposits | 62.0971% | 5,349 |
| Total domestic deposits to total assets | 86.2427% | 3,123 |
| Equity capital to assets | 7.9569% | 6,614 |
| Core capital (leverage) ratio | 6.9559% | 6,806 |
| Tier 1 risk-based capital ratio | 12.2439% | 5,805 |
| Total risk-based capital ratio | 13.4854% | 5,788 |
| Memoranda: |
| Average total assets | $1,664,406,750 | 409 |
| Average earning assets | $1,562,629,750 | 392 |
| Average equity | $130,785,750 | 554 |
| Average total loans | $874,939,250 | 471 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2011% | 4,950 |
| Cost of funding earning assets | 0.9885% | 1,838 |
| Net interest margin | 3.2125% | 5,696 |
| Noninterest income to average assets | 0.5711% | 3,442 |
| Noninterest expense to average assets | 2.0517% | 6,329 |
| Loan and lease loss provision to assets | 0.2884% | 2,275 |
| Net operating income to assets | 0.9151% | 2,834 |
| Return on assets (ROA) | 1.0301% | 2,559 |
| Pretax return on assets | 1.4042% | 2,181 |
| Return on Equity (ROE) | 13.1673% | 1,321 |
| Retained earnings to average equity (ytd only) | 7.0665% | 2,067 |
| Net charge-offs to loans | 0.3328% | 2,695 |
| Credit loss provision to net charge-offs | 165.0452% | 1,688 |
| Earnings coverage of net charge-offs (x) | 8.7839% | 2,247 |
| Efficiency ratio | 57.2019% | 5,969 |
| Assets per employee ($millions) | 5.9142% | 1,291 |
| Cash dividends to net income (ytd only)* | 46.3334% | 1,902 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4068% | 4,438 |
| Loan loss allowance to noncurrent loans | 69.4766% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.0802% | 4,219 |
| Noncurrent loans to loans | 2.0249% | 2,921 |
| Net loans and leases to total assets | 52.2345% | 5,069 |
| Net loans and leases to deposits | 60.9044% | 5,154 |
| Net loans and leases to core deposits | 62.7161% | 5,329 |
| Total domestic deposits to total assets | 85.7648% | 3,479 |
| Equity capital to assets | 7.8511% | 6,652 |
| Core capital (leverage) ratio | 6.9051% | 6,843 |
| Tier 1 risk-based capital ratio | 12.0470% | 5,897 |
| Total risk-based capital ratio | 13.2989% | 5,873 |
| Memoranda: |
| Average total assets | $1,646,790,000 | 412 |
| Average earning assets | $1,545,943,330 | 396 |
| Average equity | $128,834,000 | 560 |
| Average total loans | $864,873,330 | 475 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2266% | 5,006 |
| Cost of funding earning assets | 1.0315% | 1,797 |
| Net interest margin | 3.1951% | 5,795 |
| Noninterest income to average assets | 0.5827% | 3,339 |
| Noninterest expense to average assets | 2.1119% | 6,248 |
| Loan and lease loss provision to assets | 0.2220% | 2,726 |
| Net operating income to assets | 0.9143% | 2,851 |
| Return on assets (ROA) | 1.0176% | 2,601 |
| Pretax return on assets | 1.3829% | 2,239 |
| Return on Equity (ROE) | 13.0312% | 1,397 |
| Retained earnings to average equity (ytd only) | 7.3449% | 2,258 |
| Net charge-offs to loans | 0.2501% | 2,668 |
| Credit loss provision to net charge-offs | 169.8113% | 1,504 |
| Earnings coverage of net charge-offs (x) | 11.2075% | 1,688 |
| Efficiency ratio | 59.0373% | 5,768 |
| Assets per employee ($millions) | 5.9197% | 1,331 |
| Cash dividends to net income (ytd only)* | 43.6364% | 1,653 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4175% | 4,526 |
| Loan loss allowance to noncurrent loans | 71.3442% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 4,418 |
| Noncurrent loans to loans | 1.9869% | 3,182 |
| Net loans and leases to total assets | 50.5256% | 5,229 |
| Net loans and leases to deposits | 58.4743% | 5,328 |
| Net loans and leases to core deposits | 61.0189% | 5,430 |
| Total domestic deposits to total assets | 86.4064% | 3,301 |
| Equity capital to assets | 7.6345% | 6,722 |
| Core capital (leverage) ratio | 7.0530% | 6,821 |
| Tier 1 risk-based capital ratio | 12.0547% | 5,924 |
| Total risk-based capital ratio | 13.3069% | 5,902 |
| Memoranda: |
| Average total assets | $1,621,492,000 | 419 |
| Average earning assets | $1,519,713,000 | 403 |
| Average equity | $126,619,000 | 565 |
| Average total loans | $847,674,000 | 485 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5348% | 4,936 |
| Cost of funding earning assets | 1.2063% | 1,988 |
| Net interest margin | 3.3285% | 5,729 |
| Noninterest income to average assets | 0.6391% | 2,952 |
| Noninterest expense to average assets | 2.1235% | 6,443 |
| Loan and lease loss provision to assets | 0.2895% | 3,352 |
| Net operating income to assets | 0.9836% | 2,264 |
| Return on assets (ROA) | 0.9938% | 2,363 |
| Pretax return on assets | 1.3438% | 1,973 |
| Return on Equity (ROE) | 12.6617% | 1,242 |
| Retained earnings to average equity (ytd only) | 6.1430% | 1,932 |
| Net charge-offs to loans | 0.2967% | 3,925 |
| Credit loss provision to net charge-offs | 178.1276% | 1,474 |
| Earnings coverage of net charge-offs (x) | 9.9656% | 1,905 |
| Efficiency ratio | 56.7312% | 6,225 |
| Assets per employee ($millions) | 5.6211% | 1,514 |
| Cash dividends to net income (ytd only)* | 51.4835% | 1,976 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3900% | 4,514 |
| Loan loss allowance to noncurrent loans | 69.3606% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 4,416 |
| Noncurrent loans to loans | 2.0040% | 3,197 |
| Net loans and leases to total assets | 52.6155% | 5,214 |
| Net loans and leases to deposits | 61.3637% | 5,330 |
| Net loans and leases to core deposits | 64.3258% | 5,434 |
| Total domestic deposits to total assets | 85.7438% | 3,463 |
| Equity capital to assets | 7.9923% | 6,579 |
| Core capital (leverage) ratio | 7.1481% | 6,812 |
| Tier 1 risk-based capital ratio | 12.0635% | 5,790 |
| Total risk-based capital ratio | 13.3156% | 5,774 |
| Memoranda: |
| Average total assets | $1,485,396,000 | 450 |
| Average earning assets | $1,385,194,200 | 429 |
| Average equity | $116,587,800 | 590 |
| Average total loans | $813,660,000 | 510 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5786% | 4,956 |
| Cost of funding earning assets | 1.2404% | 2,062 |
| Net interest margin | 3.3382% | 5,744 |
| Noninterest income to average assets | 0.6393% | 2,943 |
| Noninterest expense to average assets | 2.1433% | 6,421 |
| Loan and lease loss provision to assets | 0.2052% | 3,971 |
| Net operating income to assets | 1.0289% | 2,216 |
| Return on assets (ROA) | 1.0129% | 2,429 |
| Pretax return on assets | 1.3791% | 2,011 |
| Return on Equity (ROE) | 12.9693% | 1,286 |
| Retained earnings to average equity (ytd only) | 6.1845% | 2,434 |
| Net charge-offs to loans | 0.1197% | 4,831 |
| Credit loss provision to net charge-offs | 310.7735% | 910 |
| Earnings coverage of net charge-offs (x) | 24.3246% | 1,079 |
| Efficiency ratio | 57.1623% | 6,119 |
| Assets per employee ($millions) | 5.5324% | 1,568 |
| Cash dividends to net income (ytd only)* | 52.3140% | 1,493 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3712% | 4,680 |
| Loan loss allowance to noncurrent loans | 59.8787% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2701% | 4,263 |
| Noncurrent loans to loans | 2.2900% | 3,009 |
| Net loans and leases to total assets | 53.6881% | 5,211 |
| Net loans and leases to deposits | 62.9408% | 5,298 |
| Net loans and leases to core deposits | 66.4038% | 5,374 |
| Total domestic deposits to total assets | 85.2993% | 3,619 |
| Equity capital to assets | 8.2500% | 6,528 |
| Core capital (leverage) ratio | 7.3509% | 6,832 |
| Tier 1 risk-based capital ratio | 12.2236% | 5,727 |
| Total risk-based capital ratio | 13.4759% | 5,711 |
| Memoranda: |
| Average total assets | $1,461,859,750 | 456 |
| Average earning assets | $1,362,064,000 | 442 |
| Average equity | $114,174,250 | 612 |
| Average total loans | $806,375,250 | 518 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5763% | 5,068 |
| Cost of funding earning assets | 1.2625% | 2,167 |
| Net interest margin | 3.3137% | 5,816 |
| Noninterest income to average assets | 0.6524% | 2,818 |
| Noninterest expense to average assets | 2.1661% | 6,467 |
| Loan and lease loss provision to assets | 0.2115% | 3,798 |
| Net operating income to assets | 1.0045% | 2,212 |
| Return on assets (ROA) | 0.9711% | 2,453 |
| Pretax return on assets | 1.3148% | 2,094 |
| Return on Equity (ROE) | 12.6855% | 1,279 |
| Retained earnings to average equity (ytd only) | 5.9369% | 2,473 |
| Net charge-offs to loans | 0.1341% | 4,404 |
| Credit loss provision to net charge-offs | 284.5149% | 1,075 |
| Earnings coverage of net charge-offs (x) | 21.1381% | 1,160 |
| Efficiency ratio | 57.9561% | 6,168 |
| Assets per employee ($millions) | 5.3247% | 1,730 |
| Cash dividends to net income (ytd only)* | 53.1991% | 1,590 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3260% | 4,944 |
| Loan loss allowance to noncurrent loans | 60.4413% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2426% | 4,414 |
| Noncurrent loans to loans | 2.1938% | 3,231 |
| Net loans and leases to total assets | 54.7841% | 5,182 |
| Net loans and leases to deposits | 64.4422% | 5,219 |
| Net loans and leases to core deposits | 68.3236% | 5,258 |
| Total domestic deposits to total assets | 85.0127% | 3,873 |
| Equity capital to assets | 7.9762% | 6,698 |
| Core capital (leverage) ratio | 7.3351% | 6,849 |
| Tier 1 risk-based capital ratio | 12.2185% | 5,591 |
| Total risk-based capital ratio | 13.4570% | 5,593 |
| Memoranda: |
| Average total assets | $1,442,009,330 | 476 |
| Average earning assets | $1,342,534,000 | 457 |
| Average equity | $110,393,670 | 631 |
| Average total loans | $799,109,670 | 530 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5213% | 5,262 |
| Cost of funding earning assets | 1.2602% | 2,430 |
| Net interest margin | 3.2611% | 5,898 |
| Noninterest income to average assets | 0.6279% | 2,978 |
| Noninterest expense to average assets | 2.2014% | 6,420 |
| Loan and lease loss provision to assets | 0.1750% | 3,871 |
| Net operating income to assets | 0.9628% | 2,305 |
| Return on assets (ROA) | 0.8946% | 2,651 |
| Pretax return on assets | 1.1942% | 2,388 |
| Return on Equity (ROE) | 11.9424% | 1,476 |
| Retained earnings to average equity (ytd only) | 5.6796% | 2,810 |
| Net charge-offs to loans | 0.0890% | 4,056 |
| Credit loss provision to net charge-offs | 355.1136% | 925 |
| Earnings coverage of net charge-offs (x) | 29.6250% | 837 |
| Efficiency ratio | 60.1193% | 5,967 |
| Assets per employee ($millions) | 5.3796% | 1,686 |
| Cash dividends to net income (ytd only)* | 52.4421% | 1,420 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3003% | 5,127 |
| Loan loss allowance to noncurrent loans | 66.2157% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 4,740 |
| Noncurrent loans to loans | 1.9637% | 3,619 |
| Net loans and leases to total assets | 53.3180% | 5,405 |
| Net loans and leases to deposits | 63.5988% | 5,306 |
| Net loans and leases to core deposits | 69.0659% | 5,160 |
| Total domestic deposits to total assets | 83.8350% | 4,552 |
| Equity capital to assets | 7.3996% | 6,924 |
| Core capital (leverage) ratio | 7.5683% | 6,685 |
| Tier 1 risk-based capital ratio | 12.2816% | 5,453 |
| Total risk-based capital ratio | 13.4832% | 5,493 |
| Memoranda: |
| Average total assets | $1,428,200,000 | 482 |
| Average earning assets | $1,328,639,500 | 468 |
| Average equity | $106,980,000 | 646 |
| Average total loans | $790,694,000 | 543 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9099% | 4,978 |
| Cost of funding earning assets | 1.5198% | 2,533 |
| Net interest margin | 3.3901% | 5,673 |
| Noninterest income to average assets | 0.7208% | 2,709 |
| Noninterest expense to average assets | 2.3422% | 6,237 |
| Loan and lease loss provision to assets | 0.3444% | 4,076 |
| Net operating income to assets | 0.9030% | 2,370 |
| Return on assets (ROA) | 0.8681% | 2,653 |
| Pretax return on assets | 1.1283% | 2,468 |
| Return on Equity (ROE) | 11.4282% | 1,475 |
| Retained earnings to average equity (ytd only) | 4.5834% | 2,673 |
| Net charge-offs to loans | 0.4402% | 3,856 |
| Credit loss provision to net charge-offs | 136.1394% | 2,831 |
| Earnings coverage of net charge-offs (x) | 6.0003% | 2,470 |
| Efficiency ratio | 60.6746% | 5,938 |
| Assets per employee ($millions) | 5.1598% | 1,929 |
| Cash dividends to net income (ytd only)* | 59.8940% | 1,624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2427% | 5,312 |
| Loan loss allowance to noncurrent loans | 77.6321% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 5,133 |
| Noncurrent loans to loans | 1.6008% | 4,099 |
| Net loans and leases to total assets | 56.0675% | 5,338 |
| Net loans and leases to deposits | 67.1512% | 5,224 |
| Net loans and leases to core deposits | 72.8162% | 5,119 |
| Total domestic deposits to total assets | 83.4944% | 4,608 |
| Equity capital to assets | 7.5861% | 6,827 |
| Core capital (leverage) ratio | 7.7671% | 6,476 |
| Tier 1 risk-based capital ratio | 12.3347% | 5,177 |
| Total risk-based capital ratio | 13.5063% | 5,216 |
| Memoranda: |
| Average total assets | $1,281,822,800 | 526 |
| Average earning assets | $1,187,054,400 | 514 |
| Average equity | $97,373,000 | 692 |
| Average total loans | $736,775,000 | 594 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9612% | 4,989 |
| Cost of funding earning assets | 1.5078% | 2,932 |
| Net interest margin | 3.4534% | 5,478 |
| Noninterest income to average assets | 0.7097% | 2,766 |
| Noninterest expense to average assets | 2.3837% | 6,082 |
| Loan and lease loss provision to assets | 0.2137% | 4,924 |
| Net operating income to assets | 0.9848% | 2,292 |
| Return on assets (ROA) | 0.8865% | 2,806 |
| Pretax return on assets | 1.1752% | 2,584 |
| Return on Equity (ROE) | 11.6660% | 1,601 |
| Retained earnings to average equity (ytd only) | 5.0271% | 2,972 |
| Net charge-offs to loans | 0.1797% | 4,878 |
| Credit loss provision to net charge-offs | 206.1538% | 1,719 |
| Earnings coverage of net charge-offs (x) | 14.6615% | 1,497 |
| Efficiency ratio | 61.0639% | 5,780 |
| Assets per employee ($millions) | 5.0295% | 2,140 |
| Cash dividends to net income (ytd only)* | 56.9081% | 1,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2946% | 4,998 |
| Loan loss allowance to noncurrent loans | 139.0275% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 6,055 |
| Noncurrent loans to loans | 0.9312% | 5,374 |
| Net loans and leases to total assets | 55.0339% | 5,694 |
| Net loans and leases to deposits | 66.2920% | 5,634 |
| Net loans and leases to core deposits | 71.0694% | 5,631 |
| Total domestic deposits to total assets | 83.0175% | 4,585 |
| Equity capital to assets | 8.5082% | 6,267 |
| Core capital (leverage) ratio | 7.9186% | 6,446 |
| Tier 1 risk-based capital ratio | 12.7547% | 4,771 |
| Total risk-based capital ratio | 13.9590% | 4,785 |
| Memoranda: |
| Average total assets | $1,253,988,750 | 533 |
| Average earning assets | $1,159,750,500 | 520 |
| Average equity | $95,294,750 | 705 |
| Average total loans | $723,234,000 | 603 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9660% | 5,104 |
| Cost of funding earning assets | 1.5579% | 2,915 |
| Net interest margin | 3.4080% | 5,610 |
| Noninterest income to average assets | 0.7158% | 2,616 |
| Noninterest expense to average assets | 2.4055% | 6,059 |
| Loan and lease loss provision to assets | 0.2254% | 4,652 |
| Net operating income to assets | 0.9266% | 2,447 |
| Return on assets (ROA) | 0.8618% | 2,825 |
| Pretax return on assets | 1.1448% | 2,608 |
| Return on Equity (ROE) | 11.8595% | 1,487 |
| Retained earnings to average equity (ytd only) | 5.9028% | 2,392 |
| Net charge-offs to loans | 0.2127% | 4,334 |
| Credit loss provision to net charge-offs | 181.5789% | 2,167 |
| Earnings coverage of net charge-offs (x) | 11.7329% | 1,735 |
| Efficiency ratio | 62.2848% | 5,642 |
| Assets per employee ($millions) | 4.9182% | 2,277 |
| Cash dividends to net income (ytd only)* | 50.2274% | 1,675 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2656% | 5,100 |
| Loan loss allowance to noncurrent loans | 82.2591% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8931% | 5,332 |
| Noncurrent loans to loans | 1.5386% | 4,407 |
| Net loans and leases to total assets | 55.3259% | 5,807 |
| Net loans and leases to deposits | 65.8958% | 5,817 |
| Net loans and leases to core deposits | 70.0271% | 5,867 |
| Total domestic deposits to total assets | 83.9597% | 4,121 |
| Equity capital to assets | 8.1603% | 6,584 |
| Core capital (leverage) ratio | 8.2413% | 5,872 |
| Tier 1 risk-based capital ratio | 12.7943% | 4,612 |
| Total risk-based capital ratio | 13.9579% | 4,652 |
| Memoranda: |
| Average total assets | $1,224,362,670 | 547 |
| Average earning assets | $1,130,334,670 | 532 |
| Average equity | $88,975,000 | 733 |
| Average total loans | $714,737,000 | 616 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9405% | 5,271 |
| Cost of funding earning assets | 1.6327% | 2,754 |
| Net interest margin | 3.3077% | 5,941 |
| Noninterest income to average assets | 0.7439% | 2,335 |
| Noninterest expense to average assets | 2.6075% | 5,328 |
| Loan and lease loss provision to assets | 0.1421% | 5,129 |
| Net operating income to assets | 0.8094% | 2,921 |
| Return on assets (ROA) | 0.7165% | 3,474 |
| Pretax return on assets | 0.9195% | 3,390 |
| Return on Equity (ROE) | 10.5788% | 1,915 |
| Retained earnings to average equity (ytd only) | 4.5852% | 3,392 |
| Net charge-offs to loans | 0.1706% | 3,900 |
| Credit loss provision to net charge-offs | 139.5349% | 2,536 |
| Earnings coverage of net charge-offs (x) | 11.5947% | 1,636 |
| Efficiency ratio | 68.8337% | 4,544 |
| Assets per employee ($millions) | 4.6077% | 2,778 |
| Cash dividends to net income (ytd only)* | 56.6572% | 1,318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2456% | 5,249 |
| Loan loss allowance to noncurrent loans | 60.9853% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2136% | 4,747 |
| Noncurrent loans to loans | 2.0424% | 3,725 |
| Net loans and leases to total assets | 56.9919% | 5,608 |
| Net loans and leases to deposits | 67.3883% | 5,662 |
| Net loans and leases to core deposits | 72.3472% | 5,673 |
| Total domestic deposits to total assets | 84.5723% | 3,862 |
| Equity capital to assets | 6.6446% | 7,496 |
| Core capital (leverage) ratio | 6.9536% | 7,279 |
| Tier 1 risk-based capital ratio | 10.4427% | 6,683 |
| Total risk-based capital ratio | 11.5840% | 6,782 |
| Memoranda: |
| Average total assets | $1,182,425,000 | 578 |
| Average earning assets | $1,088,235,000 | 571 |
| Average equity | $80,084,500 | 826 |
| Average total loans | $705,569,000 | 643 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4803% | 4,252 |
| Cost of funding earning assets | 1.8169% | 3,903 |
| Net interest margin | 3.6634% | 4,295 |
| Noninterest income to average assets | 0.8820% | 2,024 |
| Noninterest expense to average assets | 2.6775% | 5,495 |
| Loan and lease loss provision to assets | 0.2808% | 5,179 |
| Net operating income to assets | 0.9931% | 1,863 |
| Return on assets (ROA) | 0.8420% | 2,463 |
| Pretax return on assets | 1.0770% | 2,318 |
| Return on Equity (ROE) | 12.1620% | 1,120 |
| Retained earnings to average equity (ytd only) | 8.2883% | 632 |
| Net charge-offs to loans | 0.3027% | 4,741 |
| Credit loss provision to net charge-offs | 143.2051% | 3,351 |
| Earnings coverage of net charge-offs (x) | 7.9118% | 2,043 |
| Efficiency ratio | 63.3142% | 5,909 |
| Assets per employee ($millions) | 4.4163% | 3,074 |
| Cash dividends to net income (ytd only)* | 31.8512% | 3,251 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2255% | 5,208 |
| Loan loss allowance to noncurrent loans | 65.5859% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 4,747 |
| Noncurrent loans to loans | 1.8686% | 3,840 |
| Net loans and leases to total assets | 61.0074% | 5,192 |
| Net loans and leases to deposits | 72.9168% | 5,207 |
| Net loans and leases to core deposits | 82.5575% | 5,870 |
| Total domestic deposits to total assets | 83.6671% | 4,192 |
| Equity capital to assets | 6.9099% | 7,410 |
| Core capital (leverage) ratio | 7.2665% | 7,017 |
| Tier 1 risk-based capital ratio | 10.4244% | 6,470 |
| Total risk-based capital ratio | 11.5612% | 6,550 |
| Memoranda: |
| Average total assets | $1,046,973,800 | 642 |
| Average earning assets | $956,539,200 | 635 |
| Average equity | $72,487,800 | 900 |
| Average total loans | $678,279,000 | 686 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5927% | 3,907 |
| Cost of funding earning assets | 1.8454% | 4,176 |
| Net interest margin | 3.7473% | 3,878 |
| Noninterest income to average assets | 0.9094% | 1,941 |
| Noninterest expense to average assets | 2.7793% | 4,978 |
| Loan and lease loss provision to assets | 0.2464% | 4,982 |
| Net operating income to assets | 0.9800% | 2,129 |
| Return on assets (ROA) | 0.9230% | 2,405 |
| Pretax return on assets | 1.2251% | 2,181 |
| Return on Equity (ROE) | 13.3235% | 1,041 |
| Retained earnings to average equity (ytd only) | 10.2975% | 581 |
| Net charge-offs to loans | 0.2415% | 4,542 |
| Credit loss provision to net charge-offs | 155.4276% | 3,074 |
| Earnings coverage of net charge-offs (x) | 9.7623% | 2,060 |
| Efficiency ratio | 64.2343% | 5,697 |
| Assets per employee ($millions) | 4.1883% | 3,396 |
| Cash dividends to net income (ytd only)* | 22.7119% | 3,148 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2304% | 4,950 |
| Loan loss allowance to noncurrent loans | 60.9687% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.3133% | 4,456 |
| Noncurrent loans to loans | 2.0180% | 3,614 |
| Net loans and leases to total assets | 63.2365% | 5,034 |
| Net loans and leases to deposits | 76.2827% | 4,989 |
| Net loans and leases to core deposits | 85.5665% | 5,907 |
| Total domestic deposits to total assets | 82.8975% | 4,271 |
| Equity capital to assets | 7.1741% | 7,507 |
| Core capital (leverage) ratio | 7.4894% | 6,990 |
| Tier 1 risk-based capital ratio | 10.1387% | 6,841 |
| Total risk-based capital ratio | 11.2391% | 6,950 |
| Memoranda: |
| Average total assets | $1,022,761,750 | 667 |
| Average earning assets | $932,741,500 | 665 |
| Average equity | $70,850,500 | 939 |
| Average total loans | $671,230,250 | 714 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6724% | 3,703 |
| Cost of funding earning assets | 1.8829% | 4,357 |
| Net interest margin | 3.7895% | 3,593 |
| Noninterest income to average assets | 0.8944% | 2,009 |
| Noninterest expense to average assets | 2.8384% | 4,788 |
| Loan and lease loss provision to assets | 0.2266% | 4,762 |
| Net operating income to assets | 0.9549% | 2,263 |
| Return on assets (ROA) | 0.9699% | 2,309 |
| Pretax return on assets | 1.2949% | 2,038 |
| Return on Equity (ROE) | 14.1805% | 964 |
| Retained earnings to average equity (ytd only) | 12.3731% | 390 |
| Net charge-offs to loans | 0.2033% | 4,258 |
| Credit loss provision to net charge-offs | 168.3900% | 2,732 |
| Earnings coverage of net charge-offs (x) | 11.1581% | 1,928 |
| Efficiency ratio | 65.4042% | 5,642 |
| Assets per employee ($millions) | 4.0038% | 3,664 |
| Cash dividends to net income (ytd only)* | 12.7459% | 3,335 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2363% | 4,696 |
| Loan loss allowance to noncurrent loans | 135.9868% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 5,773 |
| Noncurrent loans to loans | 0.9091% | 5,401 |
| Net loans and leases to total assets | 64.1770% | 4,948 |
| Net loans and leases to deposits | 77.8227% | 4,905 |
| Net loans and leases to core deposits | 87.9939% | 5,721 |
| Total domestic deposits to total assets | 82.4657% | 4,500 |
| Equity capital to assets | 7.0174% | 7,612 |
| Core capital (leverage) ratio | 7.5374% | 6,976 |
| Tier 1 risk-based capital ratio | 10.3530% | 6,529 |
| Total risk-based capital ratio | 11.4841% | 6,600 |
| Memoranda: |
| Average total assets | $1,006,281,670 | 689 |
| Average earning assets | $914,885,330 | 687 |
| Average equity | $68,827,000 | 972 |
| Average total loans | $666,150,670 | 741 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7514% | 3,522 |
| Cost of funding earning assets | 1.9568% | 4,342 |
| Net interest margin | 3.7946% | 3,464 |
| Noninterest income to average assets | 0.7816% | 2,420 |
| Noninterest expense to average assets | 2.7657% | 4,716 |
| Loan and lease loss provision to assets | 0.1846% | 4,596 |
| Net operating income to assets | 0.9618% | 2,472 |
| Return on assets (ROA) | 0.9565% | 2,619 |
| Pretax return on assets | 1.2679% | 2,384 |
| Return on Equity (ROE) | 14.1742% | 1,134 |
| Retained earnings to average equity (ytd only) | 10.4761% | 1,082 |
| Net charge-offs to loans | 0.1219% | 4,000 |
| Credit loss provision to net charge-offs | 226.6010% | 2,015 |
| Earnings coverage of net charge-offs (x) | 17.9113% | 1,484 |
| Efficiency ratio | 65.4668% | 5,425 |
| Assets per employee ($millions) | 3.7836% | 4,133 |
| Cash dividends to net income (ytd only)* | 26.0906% | 2,419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1999% | 4,809 |
| Loan loss allowance to noncurrent loans | 210.6534% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 6,151 |
| Noncurrent loans to loans | 0.5696% | 5,992 |
| Net loans and leases to total assets | 65.9287% | 4,604 |
| Net loans and leases to deposits | 80.1132% | 4,592 |
| Net loans and leases to core deposits | 91.2947% | 5,424 |
| Total domestic deposits to total assets | 82.2944% | 4,440 |
| Equity capital to assets | 6.7403% | 7,789 |
| Core capital (leverage) ratio | 7.2951% | 7,386 |
| Tier 1 risk-based capital ratio | 9.7130% | 7,241 |
| Total risk-based capital ratio | 10.8070% | 7,321 |
| Memoranda: |
| Average total assets | $996,931,500 | 693 |
| Average earning assets | $904,537,500 | 696 |
| Average equity | $67,277,000 | 1,001 |
| Average total loans | $666,207,500 | 746 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4915% | 3,004 |
| Cost of funding earning assets | 2.3820% | 4,801 |
| Net interest margin | 4.1095% | 2,668 |
| Noninterest income to average assets | 0.9276% | 1,866 |
| Noninterest expense to average assets | 2.9133% | 4,404 |
| Loan and lease loss provision to assets | 0.2561% | 4,353 |
| Net operating income to assets | 1.0901% | 2,184 |
| Return on assets (ROA) | 0.7336% | 3,577 |
| Pretax return on assets | 0.9538% | 3,546 |
| Return on Equity (ROE) | 10.5391% | 2,077 |
| Retained earnings to average equity (ytd only) | 8.9347% | 622 |
| Net charge-offs to loans | 0.1521% | 4,682 |
| Credit loss provision to net charge-offs | 243.2851% | 1,915 |
| Earnings coverage of net charge-offs (x) | 15.8926% | 1,895 |
| Efficiency ratio | 63.5225% | 5,662 |
| Assets per employee ($millions) | 3.7404% | 4,076 |
| Cash dividends to net income (ytd only)* | 15.2238% | 4,564 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1715% | 4,763 |
| Loan loss allowance to noncurrent loans | 235.0575% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 6,016 |
| Noncurrent loans to loans | 0.4984% | 5,850 |
| Net loans and leases to total assets | 66.1393% | 4,820 |
| Net loans and leases to deposits | 80.4371% | 4,968 |
| Net loans and leases to core deposits | 93.0987% | 5,537 |
| Total domestic deposits to total assets | 82.2249% | 4,109 |
| Equity capital to assets | 6.7567% | 7,849 |
| Core capital (leverage) ratio | 7.1524% | 7,565 |
| Tier 1 risk-based capital ratio | 9.9513% | 6,793 |
| Total risk-based capital ratio | 11.0632% | 6,833 |
| Memoranda: |
| Average total assets | $919,587,800 | 725 |
| Average earning assets | $818,686,200 | 741 |
| Average equity | $64,009,000 | 1,042 |
| Average total loans | $636,488,800 | 752 |
