Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 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 | 4.1028% | 3,437 |
| Cost of funding earning assets | 0.5513% | 2,598 |
| Net interest margin | 3.5515% | 3,468 |
| Noninterest income to average assets | 0.2250% | 4,675 |
| Noninterest expense to average assets | 2.2116% | 4,344 |
| Loan and lease loss provision to assets | 0.1642% | 1,123 |
| Net operating income to assets | 0.8544% | 3,653 |
| Return on assets (ROA) | 0.8487% | 3,683 |
| Pretax return on assets | 1.2035% | 2,930 |
| Return on Equity (ROE) | 8.9852% | 3,027 |
| Retained earnings to average equity (ytd only) | 7.2049% | 1,975 |
| Net charge-offs to loans | 0.0811% | 1,515 |
| Credit loss provision to net charge-offs | 272.9706% | 1,081 |
| Earnings coverage of net charge-offs (x) | 22.8564% | 1,730 |
| Efficiency ratio | 61.6655% | 3,669 |
| Assets per employee ($millions) | 10.4328% | 282 |
| Cash dividends to net income (ytd only)* | 19.8141% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 1,995 |
| Loan loss allowance to noncurrent loans | 351.9777% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 3,625 |
| Noncurrent loans to loans | 0.3803% | 3,333 |
| Net loans and leases to total assets | 73.9926% | 1,944 |
| Net loans and leases to deposits | 95.9217% | 1,149 |
| Net loans and leases to core deposits | 106.6538% | 1,197 |
| Total domestic deposits to total assets | 77.1385% | 4,719 |
| Equity capital to assets | 9.5283% | 4,069 |
| Core capital (leverage) ratio | 9.8845% | 3,701 |
| Tier 1 risk-based capital ratio | 11.3237% | 4,881 |
| Total risk-based capital ratio | 12.5012% | 4,821 |
| Memoranda: | ||
| Average total assets | $3,727,277,670 | 273 |
| Average earning assets | $3,527,703,330 | 264 |
| Average equity | $352,066,670 | 306 |
| Average total loans | $2,763,299,000 | 266 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 3,216 |
| Cost of funding earning assets | 0.5326% | 2,526 |
| Net interest margin | 3.5742% | 3,269 |
| Noninterest income to average assets | 0.2342% | 4,607 |
| Noninterest expense to average assets | 2.3193% | 4,146 |
| Loan and lease loss provision to assets | 0.0696% | 2,371 |
| Net operating income to assets | 0.8736% | 3,402 |
| Return on assets (ROA) | 0.8574% | 3,481 |
| Pretax return on assets | 1.2115% | 2,703 |
| Return on Equity (ROE) | 9.1173% | 2,850 |
| Retained earnings to average equity (ytd only) | 7.3324% | 2,129 |
| Net charge-offs to loans | -0.0044% | 3,961 |
| Credit loss provision to net charge-offs | -2,166.6667% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0533% | 3,475 |
| Assets per employee ($millions) | 8.9004% | 459 |
| Cash dividends to net income (ytd only)* | 19.5777% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,230 |
| Loan loss allowance to noncurrent loans | 363.1653% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 3,704 |
| Noncurrent loans to loans | 0.3588% | 3,485 |
| Net loans and leases to total assets | 73.3420% | 1,972 |
| Net loans and leases to deposits | 96.6299% | 965 |
| Net loans and leases to core deposits | 110.3327% | 983 |
| Total domestic deposits to total assets | 75.9000% | 4,970 |
| Equity capital to assets | 9.4050% | 4,177 |
| Core capital (leverage) ratio | 9.6566% | 3,897 |
| Tier 1 risk-based capital ratio | 11.1152% | 5,076 |
| Total risk-based capital ratio | 12.2554% | 5,030 |
| Memoranda: | ||
| Average total assets | $3,733,885,500 | 271 |
| Average earning assets | $3,538,050,000 | 264 |
| Average equity | $351,156,000 | 310 |
| Average total loans | $2,752,241,000 | 267 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 3,752 |
| Cost of funding earning assets | 0.4817% | 2,487 |
| Net interest margin | 3.4105% | 3,816 |
| Noninterest income to average assets | 0.2503% | 4,633 |
| Noninterest expense to average assets | 2.1382% | 4,678 |
| Loan and lease loss provision to assets | -0.1219% | 5,506 |
| Net operating income to assets | 0.7218% | 3,511 |
| Return on assets (ROA) | 0.7243% | 3,539 |
| Pretax return on assets | 1.4697% | 1,749 |
| Return on Equity (ROE) | 7.7722% | 2,903 |
| Retained earnings to average equity (ytd only) | 5.9492% | 1,572 |
| Net charge-offs to loans | -0.1786% | 5,503 |
| Credit loss provision to net charge-offs | 96.1506% | 2,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4054% | 4,034 |
| Assets per employee ($millions) | 8.7967% | 479 |
| Cash dividends to net income (ytd only)* | 23.4546% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,266 |
| Loan loss allowance to noncurrent loans | 390.9523% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 3,832 |
| Noncurrent loans to loans | 0.3300% | 3,588 |
| Net loans and leases to total assets | 72.1704% | 2,204 |
| Net loans and leases to deposits | 94.5563% | 1,211 |
| Net loans and leases to core deposits | 110.8857% | 961 |
| Total domestic deposits to total assets | 76.3253% | 4,945 |
| Equity capital to assets | 9.4041% | 4,321 |
| Core capital (leverage) ratio | 9.4300% | 4,122 |
| Tier 1 risk-based capital ratio | 10.9073% | 5,197 |
| Total risk-based capital ratio | 12.0365% | 5,153 |
| Memoranda: | ||
| Average total assets | $3,689,512,000 | 266 |
| Average earning assets | $3,496,157,600 | 260 |
| Average equity | $343,842,200 | 300 |
| Average total loans | $2,617,572,000 | 269 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8660% | 3,780 |
| Cost of funding earning assets | 0.4764% | 2,464 |
| Net interest margin | 3.3896% | 3,883 |
| Noninterest income to average assets | 0.2681% | 4,592 |
| Noninterest expense to average assets | 2.0958% | 4,745 |
| Loan and lease loss provision to assets | -0.1669% | 5,639 |
| Net operating income to assets | 0.9514% | 2,770 |
| Return on assets (ROA) | 0.9535% | 2,823 |
| Pretax return on assets | 1.5536% | 1,569 |
| Return on Equity (ROE) | 10.2551% | 2,011 |
| Retained earnings to average equity (ytd only) | 8.4208% | 1,045 |
| Net charge-offs to loans | -0.2463% | 5,578 |
| Credit loss provision to net charge-offs | 96.2544% | 2,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2361% | 4,172 |
| Assets per employee ($millions) | 8.9065% | 455 |
| Cash dividends to net income (ytd only)* | 17.8868% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 2,288 |
| Loan loss allowance to noncurrent loans | 894.5836% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 4,604 |
| Noncurrent loans to loans | 0.1470% | 4,466 |
| Net loans and leases to total assets | 70.8939% | 2,423 |
| Net loans and leases to deposits | 92.3608% | 1,517 |
| Net loans and leases to core deposits | 107.4305% | 1,176 |
| Total domestic deposits to total assets | 76.7576% | 4,931 |
| Equity capital to assets | 9.5315% | 4,416 |
| Core capital (leverage) ratio | 9.5030% | 4,166 |
| Tier 1 risk-based capital ratio | 11.1432% | 5,165 |
| Total risk-based capital ratio | 12.2938% | 5,110 |
| Memoranda: | ||
| Average total assets | $3,675,040,500 | 266 |
| Average earning assets | $3,481,642,000 | 260 |
| Average equity | $341,700,250 | 298 |
| Average total loans | $2,587,000,250 | 271 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 3,901 |
| Cost of funding earning assets | 0.4626% | 2,478 |
| Net interest margin | 3.3359% | 3,995 |
| Noninterest income to average assets | 0.2814% | 4,543 |
| Noninterest expense to average assets | 2.0349% | 4,900 |
| Loan and lease loss provision to assets | -0.0328% | 5,581 |
| Net operating income to assets | 0.8842% | 2,995 |
| Return on assets (ROA) | 0.8837% | 3,055 |
| Pretax return on assets | 1.4372% | 1,869 |
| Return on Equity (ROE) | 9.5863% | 2,224 |
| Retained earnings to average equity (ytd only) | 7.7250% | 1,272 |
| Net charge-offs to loans | -0.0202% | 4,787 |
| Credit loss provision to net charge-offs | 232.5581% | 1,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1533% | 4,444 |
| Assets per employee ($millions) | 8.8639% | 440 |
| Cash dividends to net income (ytd only)* | 19.4164% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,342 |
| Loan loss allowance to noncurrent loans | 286.4522% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 3,826 |
| Noncurrent loans to loans | 0.4588% | 3,370 |
| Net loans and leases to total assets | 69.7400% | 2,562 |
| Net loans and leases to deposits | 95.1950% | 1,158 |
| Net loans and leases to core deposits | 109.9787% | 1,003 |
| Total domestic deposits to total assets | 73.2601% | 5,361 |
| Equity capital to assets | 9.2498% | 4,672 |
| Core capital (leverage) ratio | 9.3867% | 4,245 |
| Tier 1 risk-based capital ratio | 10.9672% | 5,267 |
| Total risk-based capital ratio | 12.1108% | 5,241 |
| Memoranda: | ||
| Average total assets | $3,653,150,000 | 269 |
| Average earning assets | $3,459,081,330 | 263 |
| Average equity | $336,752,000 | 305 |
| Average total loans | $2,553,573,330 | 275 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7073% | 4,103 |
| Cost of funding earning assets | 0.4471% | 2,552 |
| Net interest margin | 3.2602% | 4,134 |
| Noninterest income to average assets | 0.2218% | 4,947 |
| Noninterest expense to average assets | 2.0786% | 4,893 |
| Loan and lease loss provision to assets | -0.1775% | 5,786 |
| Net operating income to assets | 0.8651% | 2,925 |
| Return on assets (ROA) | 0.8640% | 2,974 |
| Pretax return on assets | 1.4007% | 1,887 |
| Return on Equity (ROE) | 9.3898% | 2,236 |
| Retained earnings to average equity (ytd only) | 7.5003% | 1,651 |
| Net charge-offs to loans | 0.0187% | 2,415 |
| Credit loss provision to net charge-offs | -1,367.5214% | 4,485 |
| Earnings coverage of net charge-offs (x) | 94.3504% | 569 |
| Efficiency ratio | 62.9215% | 4,001 |
| Assets per employee ($millions) | 8.3334% | 535 |
| Cash dividends to net income (ytd only)* | 20.1233% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 2,396 |
| Loan loss allowance to noncurrent loans | 223.3060% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 3,528 |
| Noncurrent loans to loans | 0.5952% | 3,035 |
| Net loans and leases to total assets | 68.4978% | 2,606 |
| Net loans and leases to deposits | 93.8476% | 1,123 |
| Net loans and leases to core deposits | 109.4636% | 903 |
| Total domestic deposits to total assets | 72.9883% | 5,489 |
| Equity capital to assets | 9.2615% | 4,552 |
| Core capital (leverage) ratio | 9.3457% | 4,282 |
| Tier 1 risk-based capital ratio | 11.0787% | 5,266 |
| Total risk-based capital ratio | 12.2124% | 5,244 |
| Memoranda: | ||
| Average total assets | $3,605,001,000 | 274 |
| Average earning assets | $3,407,557,000 | 267 |
| Average equity | $331,720,500 | 305 |
| Average total loans | $2,505,515,000 | 279 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 4,011 |
| Cost of funding earning assets | 0.3916% | 3,083 |
| Net interest margin | 3.3725% | 3,915 |
| Noninterest income to average assets | 0.3712% | 4,096 |
| Noninterest expense to average assets | 2.1834% | 4,813 |
| Loan and lease loss provision to assets | 0.1086% | 2,241 |
| Net operating income to assets | 0.7943% | 3,333 |
| Return on assets (ROA) | 0.7958% | 3,423 |
| Pretax return on assets | 1.2834% | 2,337 |
| Return on Equity (ROE) | 8.6906% | 2,571 |
| Retained earnings to average equity (ytd only) | 6.8080% | 1,303 |
| Net charge-offs to loans | 0.1443% | 1,818 |
| Credit loss provision to net charge-offs | 108.0632% | 2,425 |
| Earnings coverage of net charge-offs (x) | 13.8329% | 2,340 |
| Efficiency ratio | 61.1083% | 4,396 |
| Assets per employee ($millions) | 8.3034% | 531 |
| Cash dividends to net income (ytd only)* | 21.6622% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,814 |
| Loan loss allowance to noncurrent loans | 537.6303% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 4,190 |
| Noncurrent loans to loans | 0.2725% | 4,177 |
| Net loans and leases to total assets | 68.6465% | 2,675 |
| Net loans and leases to deposits | 91.8119% | 1,477 |
| Net loans and leases to core deposits | 107.3086% | 1,052 |
| Total domestic deposits to total assets | 74.7687% | 5,372 |
| Equity capital to assets | 9.1851% | 4,595 |
| Core capital (leverage) ratio | 9.4121% | 4,210 |
| Tier 1 risk-based capital ratio | 10.9435% | 5,373 |
| Total risk-based capital ratio | 12.1935% | 5,264 |
| Memoranda: | ||
| Average total assets | $3,592,559,000 | 262 |
| Average earning assets | $3,410,770,600 | 251 |
| Average equity | $328,964,800 | 300 |
| Average total loans | $2,501,127,200 | 266 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 4,039 |
| Cost of funding earning assets | 0.3852% | 3,174 |
| Net interest margin | 3.3780% | 3,927 |
| Noninterest income to average assets | 0.4214% | 3,764 |
| Noninterest expense to average assets | 2.1480% | 4,895 |
| Loan and lease loss provision to assets | 0.1280% | 1,825 |
| Net operating income to assets | 0.8363% | 3,211 |
| Return on assets (ROA) | 0.8382% | 3,324 |
| Pretax return on assets | 1.3590% | 2,198 |
| Return on Equity (ROE) | 9.1613% | 2,419 |
| Retained earnings to average equity (ytd only) | 7.2841% | 1,487 |
| Net charge-offs to loans | 0.2106% | 1,109 |
| Credit loss provision to net charge-offs | 87.3197% | 2,575 |
| Earnings coverage of net charge-offs (x) | 10.1240% | 2,611 |
| Efficiency ratio | 59.1416% | 4,672 |
| Assets per employee ($millions) | 8.1320% | 559 |
| Cash dividends to net income (ytd only)* | 20.4913% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 2,056 |
| Loan loss allowance to noncurrent loans | 584.2466% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 4,401 |
| Noncurrent loans to loans | 0.2451% | 4,394 |
| Net loans and leases to total assets | 69.7158% | 2,531 |
| Net loans and leases to deposits | 91.8926% | 1,514 |
| Net loans and leases to core deposits | 107.8627% | 1,067 |
| Total domestic deposits to total assets | 75.8665% | 5,253 |
| Equity capital to assets | 9.6615% | 4,501 |
| Core capital (leverage) ratio | 9.1733% | 4,631 |
| Tier 1 risk-based capital ratio | 10.8786% | 5,440 |
| Total risk-based capital ratio | 12.1124% | 5,354 |
| Memoranda: | ||
| Average total assets | $3,593,935,000 | 260 |
| Average earning assets | $3,415,698,750 | 248 |
| Average equity | $328,837,250 | 298 |
| Average total loans | $2,501,657,250 | 262 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7414% | 4,152 |
| Cost of funding earning assets | 0.3599% | 3,452 |
| Net interest margin | 3.3815% | 3,964 |
| Noninterest income to average assets | 0.4858% | 3,293 |
| Noninterest expense to average assets | 2.1485% | 4,957 |
| Loan and lease loss provision to assets | 0.1246% | 1,833 |
| Net operating income to assets | 0.8778% | 2,975 |
| Return on assets (ROA) | 0.8778% | 3,090 |
| Pretax return on assets | 1.4283% | 1,916 |
| Return on Equity (ROE) | 9.7724% | 2,150 |
| Retained earnings to average equity (ytd only) | 7.8829% | 1,209 |
| Net charge-offs to loans | 0.3268% | 719 |
| Credit loss provision to net charge-offs | 55.0391% | 2,630 |
| Earnings coverage of net charge-offs (x) | 6.8618% | 2,692 |
| Efficiency ratio | 58.0458% | 4,893 |
| Assets per employee ($millions) | 8.6337% | 454 |
| Cash dividends to net income (ytd only)* | 19.3353% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,496 |
| Loan loss allowance to noncurrent loans | 513.2292% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2907% | 4,332 |
| Noncurrent loans to loans | 0.2646% | 4,414 |
| Net loans and leases to total assets | 68.9231% | 2,643 |
| Net loans and leases to deposits | 92.2731% | 1,476 |
| Net loans and leases to core deposits | 110.3931% | 913 |
| Total domestic deposits to total assets | 74.6946% | 5,449 |
| Equity capital to assets | 9.2762% | 4,999 |
| Core capital (leverage) ratio | 8.8989% | 4,938 |
| Tier 1 risk-based capital ratio | 10.5717% | 5,642 |
| Total risk-based capital ratio | 11.7451% | 5,588 |
| Memoranda: | ||
| Average total assets | $3,612,771,330 | 258 |
| Average earning assets | $3,435,535,670 | 248 |
| Average equity | $324,526,330 | 299 |
| Average total loans | $2,501,553,000 | 260 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 4,169 |
| Cost of funding earning assets | 0.3580% | 3,524 |
| Net interest margin | 3.3824% | 3,928 |
| Noninterest income to average assets | 0.4538% | 3,457 |
| Noninterest expense to average assets | 2.1614% | 5,000 |
| Loan and lease loss provision to assets | 0.1111% | 1,875 |
| Net operating income to assets | 0.8605% | 2,948 |
| Return on assets (ROA) | 0.8605% | 3,062 |
| Pretax return on assets | 1.3978% | 1,913 |
| Return on Equity (ROE) | 9.7396% | 2,099 |
| Retained earnings to average equity (ytd only) | 7.8528% | 1,523 |
| Net charge-offs to loans | -0.0060% | 4,348 |
| Credit loss provision to net charge-offs | -2,702.7027% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8901% | 4,889 |
| Assets per employee ($millions) | 8.8030% | 419 |
| Cash dividends to net income (ytd only)* | 19.3727% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 2,105 |
| Loan loss allowance to noncurrent loans | 313.1936% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 3,591 |
| Noncurrent loans to loans | 0.4702% | 3,769 |
| Net loans and leases to total assets | 68.4229% | 2,595 |
| Net loans and leases to deposits | 93.8682% | 1,159 |
| Net loans and leases to core deposits | 108.4459% | 949 |
| Total domestic deposits to total assets | 72.8925% | 5,716 |
| Equity capital to assets | 8.9100% | 5,256 |
| Core capital (leverage) ratio | 8.7796% | 5,094 |
| Tier 1 risk-based capital ratio | 10.3528% | 5,807 |
| Total risk-based capital ratio | 11.6030% | 5,731 |
| Memoranda: | ||
| Average total assets | $3,601,757,500 | 258 |
| Average earning assets | $3,425,028,500 | 248 |
| Average equity | $318,204,500 | 302 |
| Average total loans | $2,482,477,500 | 261 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 4,209 |
| Cost of funding earning assets | 0.4218% | 2,922 |
| Net interest margin | 3.3241% | 4,202 |
| Noninterest income to average assets | 0.3586% | 4,335 |
| Noninterest expense to average assets | 2.3991% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6924% | 3,852 |
| Return on assets (ROA) | 0.7888% | 3,464 |
| Pretax return on assets | 1.2732% | 2,386 |
| Return on Equity (ROE) | 9.1315% | 2,397 |
| Retained earnings to average equity (ytd only) | 7.2795% | 1,171 |
| Net charge-offs to loans | -0.0428% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1236% | 3,549 |
| Assets per employee ($millions) | 8.5343% | 457 |
| Cash dividends to net income (ytd only)* | 20.2809% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 2,028 |
| Loan loss allowance to noncurrent loans | 303.2557% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 3,396 |
| Noncurrent loans to loans | 0.4934% | 3,718 |
| Net loans and leases to total assets | 67.3641% | 2,808 |
| Net loans and leases to deposits | 92.3596% | 1,362 |
| Net loans and leases to core deposits | 106.7761% | 1,062 |
| Total domestic deposits to total assets | 72.9368% | 5,732 |
| Equity capital to assets | 8.7572% | 5,343 |
| Core capital (leverage) ratio | 8.9702% | 4,915 |
| Tier 1 risk-based capital ratio | 10.5737% | 5,743 |
| Total risk-based capital ratio | 11.8241% | 5,663 |
| Memoranda: | ||
| Average total assets | $3,519,880,600 | 247 |
| Average earning assets | $3,349,416,000 | 238 |
| Average equity | $304,058,000 | 300 |
| Average total loans | $2,329,627,400 | 256 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 4,153 |
| Cost of funding earning assets | 0.4532% | 2,651 |
| Net interest margin | 3.3288% | 4,220 |
| Noninterest income to average assets | 0.3551% | 4,402 |
| Noninterest expense to average assets | 2.5466% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5952% | 4,407 |
| Return on assets (ROA) | 0.7240% | 3,901 |
| Pretax return on assets | 1.1785% | 2,896 |
| Return on Equity (ROE) | 8.4104% | 2,866 |
| Retained earnings to average equity (ytd only) | 6.5486% | 1,928 |
| Net charge-offs to loans | -0.0406% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2670% | 2,831 |
| Assets per employee ($millions) | 8.3033% | 469 |
| Cash dividends to net income (ytd only)* | 22.1372% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 1,957 |
| Loan loss allowance to noncurrent loans | 271.8500% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5309% | 3,718 |
| Noncurrent loans to loans | 0.5710% | 3,624 |
| Net loans and leases to total assets | 66.4709% | 2,941 |
| Net loans and leases to deposits | 83.6712% | 2,447 |
| Net loans and leases to core deposits | 95.3166% | 1,945 |
| Total domestic deposits to total assets | 79.4430% | 4,876 |
| Equity capital to assets | 8.9746% | 5,327 |
| Core capital (leverage) ratio | 8.8426% | 5,189 |
| Tier 1 risk-based capital ratio | 10.8148% | 5,752 |
| Total risk-based capital ratio | 12.0658% | 5,677 |
| Memoranda: | ||
| Average total assets | $3,512,287,000 | 251 |
| Average earning assets | $3,343,429,500 | 241 |
| Average equity | $302,347,000 | 305 |
| Average total loans | $2,305,053,000 | 262 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,188 |
| Cost of funding earning assets | 0.5033% | 2,216 |
| Net interest margin | 3.2635% | 4,440 |
| Noninterest income to average assets | 0.3484% | 4,466 |
| Noninterest expense to average assets | 2.7245% | 3,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4432% | 4,993 |
| Return on assets (ROA) | 0.6350% | 4,306 |
| Pretax return on assets | 1.0303% | 3,460 |
| Return on Equity (ROE) | 7.4800% | 3,332 |
| Retained earnings to average equity (ytd only) | 5.6045% | 2,462 |
| Net charge-offs to loans | -0.0126% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8577% | 1,939 |
| Assets per employee ($millions) | 8.4097% | 447 |
| Cash dividends to net income (ytd only)* | 25.0735% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 2,196 |
| Loan loss allowance to noncurrent loans | 382.8818% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 4,251 |
| Noncurrent loans to loans | 0.3978% | 4,288 |
| Net loans and leases to total assets | 66.5222% | 2,866 |
| Net loans and leases to deposits | 87.2408% | 1,914 |
| Net loans and leases to core deposits | 100.5413% | 1,444 |
| Total domestic deposits to total assets | 76.2512% | 5,567 |
| Equity capital to assets | 8.6347% | 5,577 |
| Core capital (leverage) ratio | 8.3995% | 5,634 |
| Tier 1 risk-based capital ratio | 10.5925% | 5,888 |
| Total risk-based capital ratio | 11.8433% | 5,832 |
| Memoranda: | ||
| Average total assets | $3,537,197,670 | 249 |
| Average earning assets | $3,367,166,670 | 241 |
| Average equity | $300,294,000 | 309 |
| Average total loans | $2,299,735,330 | 264 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6525% | 4,527 |
| Cost of funding earning assets | 0.5171% | 2,137 |
| Net interest margin | 3.1354% | 4,834 |
| Noninterest income to average assets | 0.3465% | 4,425 |
| Noninterest expense to average assets | 2.0663% | 5,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7684% | 3,437 |
| Return on assets (ROA) | 0.8022% | 3,375 |
| Pretax return on assets | 1.3240% | 2,182 |
| Return on Equity (ROE) | 9.5272% | 2,208 |
| Retained earnings to average equity (ytd only) | 7.6610% | 1,700 |
| Net charge-offs to loans | -0.0124% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9099% | 4,812 |
| Assets per employee ($millions) | 8.7693% | 395 |
| Cash dividends to net income (ytd only)* | 19.5879% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 2,248 |
| Loan loss allowance to noncurrent loans | 356.7829% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 4,359 |
| Noncurrent loans to loans | 0.4333% | 4,297 |
| Net loans and leases to total assets | 63.0091% | 3,234 |
| Net loans and leases to deposits | 85.7204% | 1,867 |
| Net loans and leases to core deposits | 100.2574% | 1,304 |
| Total domestic deposits to total assets | 73.5054% | 5,942 |
| Equity capital to assets | 8.5683% | 5,692 |
| Core capital (leverage) ratio | 8.2814% | 5,752 |
| Tier 1 risk-based capital ratio | 10.5641% | 5,996 |
| Total risk-based capital ratio | 11.8149% | 5,925 |
| Memoranda: | ||
| Average total assets | $3,581,799,000 | 247 |
| Average earning assets | $3,416,982,500 | 238 |
| Average equity | $301,579,500 | 306 |
| Average total loans | $2,285,025,000 | 262 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 4,509 |
| Cost of funding earning assets | 0.5762% | 1,992 |
| Net interest margin | 3.2185% | 4,860 |
| Noninterest income to average assets | 0.3272% | 4,774 |
| Noninterest expense to average assets | 2.1849% | 5,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7276% | 3,754 |
| Return on assets (ROA) | 0.7436% | 3,761 |
| Pretax return on assets | 1.2246% | 2,550 |
| Return on Equity (ROE) | 9.3285% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.3252% | 635 |
| Net charge-offs to loans | -0.0410% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5549% | 4,493 |
| Assets per employee ($millions) | 8.7032% | 396 |
| Cash dividends to net income (ytd only)* | 0.0349% | 4,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 2,258 |
| Loan loss allowance to noncurrent loans | 231.5745% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 3,908 |
| Noncurrent loans to loans | 0.6690% | 3,675 |
| Net loans and leases to total assets | 62.6075% | 3,426 |
| Net loans and leases to deposits | 86.4502% | 1,917 |
| Net loans and leases to core deposits | 102.4403% | 1,213 |
| Total domestic deposits to total assets | 72.4203% | 6,056 |
| Equity capital to assets | 8.2716% | 5,913 |
| Core capital (leverage) ratio | 8.2378% | 5,833 |
| Tier 1 risk-based capital ratio | 10.6195% | 6,052 |
| Total risk-based capital ratio | 11.8706% | 5,995 |
| Memoranda: | ||
| Average total assets | $3,470,348,000 | 240 |
| Average earning assets | $3,296,545,000 | 230 |
| Average equity | $276,636,800 | 309 |
| Average total loans | $2,157,497,000 | 255 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 4,604 |
| Cost of funding earning assets | 0.5949% | 1,884 |
| Net interest margin | 3.1882% | 5,004 |
| Noninterest income to average assets | 0.3149% | 4,920 |
| Noninterest expense to average assets | 2.1592% | 5,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7281% | 3,795 |
| Return on assets (ROA) | 0.7281% | 3,896 |
| Pretax return on assets | 1.1803% | 2,859 |
| Return on Equity (ROE) | 9.2245% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.2201% | 921 |
| Net charge-offs to loans | -0.0328% | 5,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6558% | 4,440 |
| Assets per employee ($millions) | 8.0691% | 508 |
| Cash dividends to net income (ytd only)* | 0.0479% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 2,350 |
| Loan loss allowance to noncurrent loans | 175.9346% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.7414% | 3,589 |
| Noncurrent loans to loans | 0.9013% | 3,308 |
| Net loans and leases to total assets | 61.9673% | 3,488 |
| Net loans and leases to deposits | 83.9028% | 2,166 |
| Net loans and leases to core deposits | 100.0601% | 1,361 |
| Total domestic deposits to total assets | 73.8561% | 6,029 |
| Equity capital to assets | 8.1091% | 6,072 |
| Core capital (leverage) ratio | 8.1081% | 6,002 |
| Tier 1 risk-based capital ratio | 10.6105% | 6,170 |
| Total risk-based capital ratio | 11.8619% | 6,120 |
| Memoranda: | ||
| Average total assets | $3,441,505,250 | 238 |
| Average earning assets | $3,264,788,750 | 229 |
| Average equity | $271,646,750 | 309 |
| Average total loans | $2,126,806,500 | 256 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 4,413 |
| Cost of funding earning assets | 0.6140% | 1,777 |
| Net interest margin | 3.2151% | 4,895 |
| Noninterest income to average assets | 0.3015% | 4,996 |
| Noninterest expense to average assets | 2.1262% | 5,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7513% | 3,564 |
| Return on assets (ROA) | 0.7513% | 3,663 |
| Pretax return on assets | 1.2183% | 2,582 |
| Return on Equity (ROE) | 9.6077% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.6010% | 815 |
| Net charge-offs to loans | -0.0308% | 5,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5730% | 4,757 |
| Assets per employee ($millions) | 8.0947% | 474 |
| Cash dividends to net income (ytd only)* | 0.0700% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 2,424 |
| Loan loss allowance to noncurrent loans | 195.7768% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 3,951 |
| Noncurrent loans to loans | 0.8224% | 3,648 |
| Net loans and leases to total assets | 60.6158% | 3,614 |
| Net loans and leases to deposits | 82.2716% | 2,218 |
| Net loans and leases to core deposits | 98.7988% | 1,386 |
| Total domestic deposits to total assets | 73.6776% | 6,138 |
| Equity capital to assets | 8.0521% | 6,124 |
| Core capital (leverage) ratio | 8.1404% | 5,992 |
| Tier 1 risk-based capital ratio | 10.5094% | 6,247 |
| Total risk-based capital ratio | 11.7609% | 6,196 |
| Memoranda: | ||
| Average total assets | $3,421,350,670 | 238 |
| Average earning assets | $3,238,177,670 | 228 |
| Average equity | $267,536,000 | 312 |
| Average total loans | $2,100,727,670 | 254 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 4,055 |
| Cost of funding earning assets | 0.6334% | 1,707 |
| Net interest margin | 3.2738% | 4,651 |
| Noninterest income to average assets | 0.3120% | 4,872 |
| Noninterest expense to average assets | 2.1422% | 5,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7845% | 3,224 |
| Return on assets (ROA) | 0.7845% | 3,306 |
| Pretax return on assets | 1.2733% | 2,205 |
| Return on Equity (ROE) | 10.1894% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.1833% | 919 |
| Net charge-offs to loans | -0.0282% | 5,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7196% | 5,033 |
| Assets per employee ($millions) | 7.9637% | 495 |
| Cash dividends to net income (ytd only)* | 0.0604% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 2,484 |
| Loan loss allowance to noncurrent loans | 182.9288% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 3,924 |
| Noncurrent loans to loans | 0.9057% | 3,616 |
| Net loans and leases to total assets | 60.2395% | 3,524 |
| Net loans and leases to deposits | 79.8124% | 2,315 |
| Net loans and leases to core deposits | 96.3495% | 1,360 |
| Total domestic deposits to total assets | 75.4763% | 6,119 |
| Equity capital to assets | 7.8307% | 6,158 |
| Core capital (leverage) ratio | 8.1064% | 6,035 |
| Tier 1 risk-based capital ratio | 10.6051% | 6,303 |
| Total risk-based capital ratio | 11.8570% | 6,272 |
| Memoranda: | ||
| Average total assets | $3,379,522,500 | 238 |
| Average earning assets | $3,203,741,000 | 229 |
| Average equity | $260,191,500 | 315 |
| Average total loans | $2,071,414,000 | 254 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 4,259 |
| Cost of funding earning assets | 0.7348% | 1,597 |
| Net interest margin | 3.2219% | 4,924 |
| Noninterest income to average assets | 0.3094% | 5,121 |
| Noninterest expense to average assets | 2.1577% | 5,718 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7544% | 3,521 |
| Return on assets (ROA) | 0.7834% | 3,480 |
| Pretax return on assets | 1.2563% | 2,332 |
| Return on Equity (ROE) | 9.7648% | 2,213 |
| Retained earnings to average equity (ytd only) | 9.7577% | 605 |
| Net charge-offs to loans | 0.0217% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 89.1157% | 504 |
| Efficiency ratio | 64.0508% | 4,884 |
| Assets per employee ($millions) | 7.7921% | 526 |
| Cash dividends to net income (ytd only)* | 0.0723% | 4,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 2,477 |
| Loan loss allowance to noncurrent loans | 137.3749% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9300% | 3,579 |
| Noncurrent loans to loans | 1.2201% | 3,106 |
| Net loans and leases to total assets | 60.3046% | 3,659 |
| Net loans and leases to deposits | 80.3003% | 2,418 |
| Net loans and leases to core deposits | 97.3467% | 1,359 |
| Total domestic deposits to total assets | 75.0988% | 6,186 |
| Equity capital to assets | 7.5652% | 6,253 |
| Core capital (leverage) ratio | 8.0065% | 6,128 |
| Tier 1 risk-based capital ratio | 10.5171% | 6,360 |
| Total risk-based capital ratio | 11.7692% | 6,319 |
| Memoranda: | ||
| Average total assets | $3,178,945,000 | 240 |
| Average earning assets | $3,018,500,600 | 228 |
| Average equity | $255,048,800 | 314 |
| Average total loans | $1,991,866,600 | 256 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 4,170 |
| Cost of funding earning assets | 0.7432% | 1,645 |
| Net interest margin | 3.2464% | 4,841 |
| Noninterest income to average assets | 0.3144% | 5,188 |
| Noninterest expense to average assets | 2.1293% | 5,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7861% | 3,417 |
| Return on assets (ROA) | 0.8264% | 3,341 |
| Pretax return on assets | 1.3301% | 2,212 |
| Return on Equity (ROE) | 10.1453% | 2,127 |
| Retained earnings to average equity (ytd only) | 10.1385% | 759 |
| Net charge-offs to loans | -0.0089% | 5,868 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6895% | 5,032 |
| Assets per employee ($millions) | 7.6142% | 558 |
| Cash dividends to net income (ytd only)* | 0.0669% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 2,448 |
| Loan loss allowance to noncurrent loans | 140.9283% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9081% | 3,863 |
| Noncurrent loans to loans | 1.2422% | 3,328 |
| Net loans and leases to total assets | 60.7171% | 3,575 |
| Net loans and leases to deposits | 78.4097% | 2,603 |
| Net loans and leases to core deposits | 94.1919% | 1,553 |
| Total domestic deposits to total assets | 77.4356% | 5,984 |
| Equity capital to assets | 7.9121% | 6,206 |
| Core capital (leverage) ratio | 8.1404% | 6,115 |
| Tier 1 risk-based capital ratio | 10.6977% | 6,392 |
| Total risk-based capital ratio | 11.9508% | 6,362 |
| Memoranda: | ||
| Average total assets | $3,136,031,250 | 239 |
| Average earning assets | $2,977,375,500 | 226 |
| Average equity | $255,441,500 | 312 |
| Average total loans | $1,976,081,000 | 255 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0101% | 4,061 |
| Cost of funding earning assets | 0.7418% | 1,755 |
| Net interest margin | 3.2683% | 4,695 |
| Noninterest income to average assets | 0.3294% | 5,058 |
| Noninterest expense to average assets | 2.1346% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8051% | 3,266 |
| Return on assets (ROA) | 0.8661% | 3,117 |
| Pretax return on assets | 1.3976% | 1,938 |
| Return on Equity (ROE) | 10.5288% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.5225% | 739 |
| Net charge-offs to loans | 0.0218% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 93.9628% | 495 |
| Efficiency ratio | 62.1096% | 5,159 |
| Assets per employee ($millions) | 7.7003% | 513 |
| Cash dividends to net income (ytd only)* | 0.0595% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 2,638 |
| Loan loss allowance to noncurrent loans | 94.2464% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.3020% | 3,170 |
| Noncurrent loans to loans | 1.8428% | 2,575 |
| Net loans and leases to total assets | 61.8143% | 3,326 |
| Net loans and leases to deposits | 82.5040% | 1,993 |
| Net loans and leases to core deposits | 100.0702% | 1,074 |
| Total domestic deposits to total assets | 74.9227% | 6,367 |
| Equity capital to assets | 7.8918% | 6,275 |
| Core capital (leverage) ratio | 8.0944% | 6,113 |
| Tier 1 risk-based capital ratio | 10.4750% | 6,514 |
| Total risk-based capital ratio | 11.7279% | 6,487 |
| Memoranda: | ||
| Average total assets | $3,102,703,000 | 241 |
| Average earning assets | $2,949,930,330 | 226 |
| Average equity | $255,243,330 | 312 |
| Average total loans | $1,968,167,330 | 256 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 4,328 |
| Cost of funding earning assets | 0.7354% | 1,956 |
| Net interest margin | 3.2051% | 4,919 |
| Noninterest income to average assets | 0.3453% | 4,926 |
| Noninterest expense to average assets | 2.1647% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7681% | 3,343 |
| Return on assets (ROA) | 0.7823% | 3,400 |
| Pretax return on assets | 1.2511% | 2,408 |
| Return on Equity (ROE) | 9.3139% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.3061% | 1,284 |
| Net charge-offs to loans | 0.0131% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 147.2500% | 271 |
| Efficiency ratio | 63.7901% | 5,039 |
| Assets per employee ($millions) | 7.6113% | 587 |
| Cash dividends to net income (ytd only)* | 0.0833% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 2,730 |
| Loan loss allowance to noncurrent loans | 91.3221% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.3495% | 3,259 |
| Noncurrent loans to loans | 1.9395% | 2,685 |
| Net loans and leases to total assets | 62.7875% | 2,920 |
| Net loans and leases to deposits | 83.7093% | 1,631 |
| Net loans and leases to core deposits | 101.0788% | 882 |
| Total domestic deposits to total assets | 75.0065% | 6,458 |
| Equity capital to assets | 8.4075% | 6,094 |
| Core capital (leverage) ratio | 8.0977% | 6,047 |
| Tier 1 risk-based capital ratio | 10.2936% | 6,637 |
| Total risk-based capital ratio | 11.5468% | 6,628 |
| Memoranda: | ||
| Average total assets | $3,067,795,000 | 246 |
| Average earning assets | $2,917,627,000 | 230 |
| Average equity | $257,680,500 | 314 |
| Average total loans | $1,954,386,000 | 259 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 4,132 |
| Cost of funding earning assets | 0.7888% | 2,756 |
| Net interest margin | 3.5289% | 4,382 |
| Noninterest income to average assets | 0.3937% | 4,656 |
| Noninterest expense to average assets | 2.2459% | 5,821 |
| Loan and lease loss provision to assets | 0.0107% | 5,786 |
| Net operating income to assets | 0.9011% | 2,813 |
| Return on assets (ROA) | 0.9131% | 2,989 |
| Pretax return on assets | 1.4999% | 1,678 |
| Return on Equity (ROE) | 9.4235% | 2,437 |
| Retained earnings to average equity (ytd only) | -3.4590% | 6,300 |
| Net charge-offs to loans | 0.1576% | 4,120 |
| Credit loss provision to net charge-offs | 10.4275% | 5,393 |
| Earnings coverage of net charge-offs (x) | 14.5523% | 1,726 |
| Efficiency ratio | 60.0868% | 5,525 |
| Assets per employee ($millions) | 7.5571% | 612 |
| Cash dividends to net income (ytd only)* | 136.7063% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,602 |
| Loan loss allowance to noncurrent loans | 86.8859% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.4660% | 3,187 |
| Noncurrent loans to loans | 2.0656% | 2,617 |
| Net loans and leases to total assets | 62.3530% | 3,200 |
| Net loans and leases to deposits | 86.3555% | 1,470 |
| Net loans and leases to core deposits | 104.3197% | 772 |
| Total domestic deposits to total assets | 72.2050% | 6,682 |
| Equity capital to assets | 8.3915% | 6,127 |
| Core capital (leverage) ratio | 8.1694% | 6,027 |
| Tier 1 risk-based capital ratio | 10.2112% | 6,646 |
| Total risk-based capital ratio | 11.4648% | 6,609 |
| Memoranda: | ||
| Average total assets | $2,806,366,000 | 262 |
| Average earning assets | $2,659,350,800 | 245 |
| Average equity | $271,925,200 | 297 |
| Average total loans | $1,825,686,400 | 262 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 4,083 |
| Cost of funding earning assets | 0.8039% | 2,910 |
| Net interest margin | 3.5889% | 4,281 |
| Noninterest income to average assets | 0.3571% | 4,968 |
| Noninterest expense to average assets | 2.2580% | 5,800 |
| Loan and lease loss provision to assets | 0.0146% | 5,629 |
| Net operating income to assets | 0.9098% | 2,934 |
| Return on assets (ROA) | 0.9119% | 3,152 |
| Pretax return on assets | 1.4858% | 1,933 |
| Return on Equity (ROE) | 9.0720% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.9956% | 1,233 |
| Net charge-offs to loans | 0.1816% | 3,664 |
| Credit loss provision to net charge-offs | 12.2649% | 5,053 |
| Earnings coverage of net charge-offs (x) | 12.5912% | 1,990 |
| Efficiency ratio | 60.1310% | 5,473 |
| Assets per employee ($millions) | 7.6358% | 552 |
| Cash dividends to net income (ytd only)* | 0.8423% | 3,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 2,511 |
| Loan loss allowance to noncurrent loans | 80.8329% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.7429% | 2,993 |
| Noncurrent loans to loans | 2.3371% | 2,468 |
| Net loans and leases to total assets | 63.0278% | 3,200 |
| Net loans and leases to deposits | 84.8771% | 1,753 |
| Net loans and leases to core deposits | 101.6838% | 1,005 |
| Total domestic deposits to total assets | 74.2577% | 6,583 |
| Equity capital to assets | 9.9257% | 4,612 |
| Core capital (leverage) ratio | 9.4236% | 4,384 |
| Tier 1 risk-based capital ratio | 11.9043% | 5,993 |
| Total risk-based capital ratio | 13.1590% | 5,981 |
| Memoranda: | ||
| Average total assets | $2,742,797,250 | 266 |
| Average earning assets | $2,596,833,750 | 252 |
| Average equity | $275,697,750 | 293 |
| Average total loans | $1,796,288,750 | 264 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 4,283 |
| Cost of funding earning assets | 0.8179% | 3,052 |
| Net interest margin | 3.5569% | 4,433 |
| Noninterest income to average assets | 0.3641% | 4,919 |
| Noninterest expense to average assets | 2.3110% | 5,701 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8734% | 3,027 |
| Return on assets (ROA) | 0.8766% | 3,264 |
| Pretax return on assets | 1.4232% | 2,120 |
| Return on Equity (ROE) | 8.6813% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.5965% | 1,414 |
| Net charge-offs to loans | 0.2272% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 9.4665% | 2,160 |
| Efficiency ratio | 61.9701% | 5,253 |
| Assets per employee ($millions) | 7.4092% | 606 |
| Cash dividends to net income (ytd only)* | 0.9764% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 2,336 |
| Loan loss allowance to noncurrent loans | 71.7511% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0432% | 2,733 |
| Noncurrent loans to loans | 2.7336% | 2,198 |
| Net loans and leases to total assets | 63.4189% | 3,161 |
| Net loans and leases to deposits | 85.2595% | 1,692 |
| Net loans and leases to core deposits | 102.7760% | 936 |
| Total domestic deposits to total assets | 74.3834% | 6,647 |
| Equity capital to assets | 9.9520% | 4,411 |
| Core capital (leverage) ratio | 9.6723% | 3,888 |
| Tier 1 risk-based capital ratio | 12.0493% | 5,896 |
| Total risk-based capital ratio | 13.3050% | 5,872 |
| Memoranda: | ||
| Average total assets | $2,687,320,330 | 273 |
| Average earning assets | $2,542,431,000 | 257 |
| Average equity | $271,343,330 | 296 |
| Average total loans | $1,772,075,670 | 265 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 3,988 |
| Cost of funding earning assets | 0.8287% | 3,245 |
| Net interest margin | 3.6554% | 4,030 |
| Noninterest income to average assets | 0.3597% | 5,000 |
| Noninterest expense to average assets | 2.3684% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8860% | 2,990 |
| Return on assets (ROA) | 0.8925% | 3,177 |
| Pretax return on assets | 1.4560% | 2,004 |
| Return on Equity (ROE) | 8.7724% | 2,921 |
| Retained earnings to average equity (ytd only) | 8.6679% | 1,711 |
| Net charge-offs to loans | 0.1163% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 18.6706% | 1,254 |
| Efficiency ratio | 62.0939% | 5,263 |
| Assets per employee ($millions) | 7.0194% | 753 |
| Cash dividends to net income (ytd only)* | 1.1909% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1196% | 2,055 |
| Loan loss allowance to noncurrent loans | 64.5067% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.3207% | 2,560 |
| Noncurrent loans to loans | 3.2859% | 1,944 |
| Net loans and leases to total assets | 63.9562% | 2,857 |
| Net loans and leases to deposits | 83.8026% | 1,688 |
| Net loans and leases to core deposits | 100.7740% | 942 |
| Total domestic deposits to total assets | 76.3176% | 6,508 |
| Equity capital to assets | 10.1579% | 3,902 |
| Core capital (leverage) ratio | 9.8286% | 3,599 |
| Tier 1 risk-based capital ratio | 12.3460% | 5,723 |
| Total risk-based capital ratio | 13.6037% | 5,679 |
| Memoranda: | ||
| Average total assets | $2,634,347,500 | 274 |
| Average earning assets | $2,489,573,500 | 259 |
| Average equity | $268,022,000 | 296 |
| Average total loans | $1,754,664,000 | 264 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 3,968 |
| Cost of funding earning assets | 0.9377% | 3,811 |
| Net interest margin | 3.8257% | 3,693 |
| Noninterest income to average assets | 0.5101% | 3,780 |
| Noninterest expense to average assets | 2.4205% | 5,720 |
| Loan and lease loss provision to assets | 0.1205% | 5,096 |
| Net operating income to assets | 0.9717% | 2,316 |
| Return on assets (ROA) | 0.9780% | 2,426 |
| Pretax return on assets | 1.5949% | 1,216 |
| Return on Equity (ROE) | 10.1099% | 2,026 |
| Retained earnings to average equity (ytd only) | 9.9970% | 569 |
| Net charge-offs to loans | 0.3043% | 3,874 |
| Credit loss provision to net charge-offs | 58.0742% | 5,223 |
| Earnings coverage of net charge-offs (x) | 8.2220% | 2,185 |
| Efficiency ratio | 58.6635% | 5,954 |
| Assets per employee ($millions) | 7.1074% | 690 |
| Cash dividends to net income (ytd only)* | 1.1165% | 4,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1203% | 1,948 |
| Loan loss allowance to noncurrent loans | 61.1338% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.5928% | 2,343 |
| Noncurrent loans to loans | 3.4682% | 1,850 |
| Net loans and leases to total assets | 66.4655% | 2,692 |
| Net loans and leases to deposits | 89.0577% | 1,262 |
| Net loans and leases to core deposits | 108.5534% | 676 |
| Total domestic deposits to total assets | 74.6320% | 6,660 |
| Equity capital to assets | 10.1908% | 3,920 |
| Core capital (leverage) ratio | 9.5624% | 3,929 |
| Tier 1 risk-based capital ratio | 12.0735% | 5,781 |
| Total risk-based capital ratio | 13.3333% | 5,758 |
| Memoranda: | ||
| Average total assets | $2,573,286,600 | 276 |
| Average earning assets | $2,432,210,800 | 261 |
| Average equity | $248,935,000 | 299 |
| Average total loans | $1,753,905,200 | 259 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 4,088 |
| Cost of funding earning assets | 0.9590% | 3,969 |
| Net interest margin | 3.8268% | 3,737 |
| Noninterest income to average assets | 0.4733% | 4,105 |
| Noninterest expense to average assets | 2.4483% | 5,634 |
| Loan and lease loss provision to assets | 0.0987% | 5,224 |
| Net operating income to assets | 0.9507% | 2,528 |
| Return on assets (ROA) | 0.9590% | 2,656 |
| Pretax return on assets | 1.5548% | 1,500 |
| Return on Equity (ROE) | 10.0498% | 2,179 |
| Retained earnings to average equity (ytd only) | 9.9354% | 860 |
| Net charge-offs to loans | 0.3963% | 3,130 |
| Credit loss provision to net charge-offs | 36.5104% | 5,310 |
| Earnings coverage of net charge-offs (x) | 6.0673% | 2,630 |
| Efficiency ratio | 59.8795% | 5,744 |
| Assets per employee ($millions) | 7.1834% | 672 |
| Cash dividends to net income (ytd only)* | 1.1376% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 2,181 |
| Loan loss allowance to noncurrent loans | 60.3904% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.5551% | 2,518 |
| Noncurrent loans to loans | 3.4094% | 2,020 |
| Net loans and leases to total assets | 66.3795% | 2,806 |
| Net loans and leases to deposits | 86.9624% | 1,562 |
| Net loans and leases to core deposits | 105.8291% | 877 |
| Total domestic deposits to total assets | 76.3312% | 6,483 |
| Equity capital to assets | 9.9458% | 4,416 |
| Core capital (leverage) ratio | 9.2192% | 4,594 |
| Tier 1 risk-based capital ratio | 11.8133% | 6,026 |
| Total risk-based capital ratio | 13.0734% | 6,003 |
| Memoranda: | ||
| Average total assets | $2,566,277,750 | 276 |
| Average earning assets | $2,424,560,500 | 261 |
| Average equity | $244,894,750 | 304 |
| Average total loans | $1,750,772,750 | 258 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 4,083 |
| Cost of funding earning assets | 0.9770% | 4,112 |
| Net interest margin | 3.8285% | 3,654 |
| Noninterest income to average assets | 0.4946% | 3,912 |
| Noninterest expense to average assets | 2.5369% | 5,406 |
| Loan and lease loss provision to assets | 0.1254% | 4,719 |
| Net operating income to assets | 0.9006% | 2,634 |
| Return on assets (ROA) | 0.9132% | 2,683 |
| Pretax return on assets | 1.4689% | 1,617 |
| Return on Equity (ROE) | 9.7093% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.5927% | 937 |
| Net charge-offs to loans | 0.5208% | 2,537 |
| Credit loss provision to net charge-offs | 35.2035% | 4,905 |
| Earnings coverage of net charge-offs (x) | 4.4213% | 2,860 |
| Efficiency ratio | 61.7041% | 5,628 |
| Assets per employee ($millions) | 7.1759% | 668 |
| Cash dividends to net income (ytd only)* | 1.2012% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1125% | 2,098 |
| Loan loss allowance to noncurrent loans | 44.9124% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 3.3876% | 1,950 |
| Noncurrent loans to loans | 4.7036% | 1,400 |
| Net loans and leases to total assets | 65.0093% | 3,255 |
| Net loans and leases to deposits | 84.2280% | 2,073 |
| Net loans and leases to core deposits | 104.5194% | 1,013 |
| Total domestic deposits to total assets | 77.1826% | 6,425 |
| Equity capital to assets | 9.4805% | 4,839 |
| Core capital (leverage) ratio | 9.1983% | 4,405 |
| Tier 1 risk-based capital ratio | 11.6807% | 6,028 |
| Total risk-based capital ratio | 12.9452% | 6,020 |
| Memoranda: | ||
| Average total assets | $2,552,515,670 | 280 |
| Average earning assets | $2,411,380,000 | 263 |
| Average equity | $240,078,670 | 310 |
| Average total loans | $1,745,272,000 | 265 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 3,722 |
| Cost of funding earning assets | 0.9844% | 4,310 |
| Net interest margin | 3.8860% | 3,212 |
| Noninterest income to average assets | 0.5649% | 3,405 |
| Noninterest expense to average assets | 2.6977% | 4,844 |
| Loan and lease loss provision to assets | 0.2064% | 3,574 |
| Net operating income to assets | 0.8339% | 2,864 |
| Return on assets (ROA) | 0.8381% | 2,901 |
| Pretax return on assets | 1.3396% | 1,913 |
| Return on Equity (ROE) | 8.9472% | 2,495 |
| Retained earnings to average equity (ytd only) | 8.8285% | 1,435 |
| Net charge-offs to loans | 0.7235% | 1,768 |
| Credit loss provision to net charge-offs | 41.1132% | 3,922 |
| Earnings coverage of net charge-offs (x) | 3.0664% | 2,863 |
| Efficiency ratio | 63.6663% | 5,415 |
| Assets per employee ($millions) | 7.0033% | 735 |
| Cash dividends to net income (ytd only)* | 1.3263% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1808% | 2,008 |
| Loan loss allowance to noncurrent loans | 49.8853% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 3.1635% | 2,178 |
| Noncurrent loans to loans | 4.3716% | 1,616 |
| Net loans and leases to total assets | 66.9307% | 2,775 |
| Net loans and leases to deposits | 87.4836% | 1,518 |
| Net loans and leases to core deposits | 107.0927% | 890 |
| Total domestic deposits to total assets | 76.5066% | 6,604 |
| Equity capital to assets | 9.3960% | 4,579 |
| Core capital (leverage) ratio | 9.1927% | 4,301 |
| Tier 1 risk-based capital ratio | 11.4537% | 6,143 |
| Total risk-based capital ratio | 12.7164% | 6,115 |
| Memoranda: | ||
| Average total assets | $2,519,175,500 | 283 |
| Average earning assets | $2,380,665,000 | 268 |
| Average equity | $235,962,000 | 310 |
| Average total loans | $1,748,174,000 | 266 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 4,455 |
| Cost of funding earning assets | 1.2667% | 4,101 |
| Net interest margin | 3.7529% | 4,141 |
| Noninterest income to average assets | 0.4324% | 4,663 |
| Noninterest expense to average assets | 2.3093% | 6,333 |
| Loan and lease loss provision to assets | 0.3367% | 4,129 |
| Net operating income to assets | 0.8256% | 2,689 |
| Return on assets (ROA) | 0.8235% | 2,839 |
| Pretax return on assets | 1.3198% | 1,886 |
| Return on Equity (ROE) | 8.9369% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.9002% | 2,476 |
| Net charge-offs to loans | 0.0998% | 5,865 |
| Credit loss provision to net charge-offs | 480.6598% | 473 |
| Earnings coverage of net charge-offs (x) | 23.6957% | 893 |
| Efficiency ratio | 58.1833% | 6,318 |
| Assets per employee ($millions) | 7.1724% | 688 |
| Cash dividends to net income (ytd only)* | 45.1691% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2530% | 1,769 |
| Loan loss allowance to noncurrent loans | 50.2392% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 3.2838% | 2,149 |
| Noncurrent loans to loans | 4.4845% | 1,580 |
| Net loans and leases to total assets | 68.7933% | 2,789 |
| Net loans and leases to deposits | 90.6587% | 1,442 |
| Net loans and leases to core deposits | 111.3524% | 851 |
| Total domestic deposits to total assets | 75.8817% | 6,645 |
| Equity capital to assets | 9.3369% | 4,638 |
| Core capital (leverage) ratio | 8.7957% | 4,867 |
| Tier 1 risk-based capital ratio | 11.2534% | 6,128 |
| Total risk-based capital ratio | 12.5129% | 6,106 |
| Memoranda: | ||
| Average total assets | $2,509,888,800 | 288 |
| Average earning assets | $2,365,259,400 | 272 |
| Average equity | $231,277,800 | 311 |
| Average total loans | $1,761,789,800 | 271 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 4,580 |
| Cost of funding earning assets | 1.3334% | 4,023 |
| Net interest margin | 3.7187% | 4,313 |
| Noninterest income to average assets | 0.4522% | 4,543 |
| Noninterest expense to average assets | 2.3075% | 6,304 |
| Loan and lease loss provision to assets | 0.3212% | 4,018 |
| Net operating income to assets | 0.8254% | 2,894 |
| Return on assets (ROA) | 0.8254% | 3,042 |
| Pretax return on assets | 1.3232% | 2,112 |
| Return on Equity (ROE) | 8.9870% | 2,497 |
| Retained earnings to average equity (ytd only) | 3.6311% | 3,892 |
| Net charge-offs to loans | 0.1318% | 5,242 |
| Credit loss provision to net charge-offs | 347.3020% | 912 |
| Earnings coverage of net charge-offs (x) | 17.7813% | 1,304 |
| Efficiency ratio | 58.3904% | 6,205 |
| Assets per employee ($millions) | 7.3989% | 649 |
| Cash dividends to net income (ytd only)* | 59.5961% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1137% | 1,970 |
| Loan loss allowance to noncurrent loans | 52.3769% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 2.9051% | 2,496 |
| Noncurrent loans to loans | 4.0356% | 1,852 |
| Net loans and leases to total assets | 67.6819% | 3,296 |
| Net loans and leases to deposits | 87.6491% | 2,055 |
| Net loans and leases to core deposits | 108.2613% | 1,143 |
| Total domestic deposits to total assets | 77.2192% | 6,435 |
| Equity capital to assets | 9.1417% | 5,390 |
| Core capital (leverage) ratio | 8.5331% | 5,446 |
| Tier 1 risk-based capital ratio | 10.9988% | 6,389 |
| Total risk-based capital ratio | 12.2569% | 6,355 |
| Memoranda: | ||
| Average total assets | $2,511,569,250 | 282 |
| Average earning assets | $2,363,589,000 | 268 |
| Average equity | $230,668,000 | 306 |
| Average total loans | $1,761,811,500 | 274 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 4,467 |
| Cost of funding earning assets | 1.4295% | 3,672 |
| Net interest margin | 3.6684% | 4,511 |
| Noninterest income to average assets | 0.3437% | 5,395 |
| Noninterest expense to average assets | 2.2975% | 6,361 |
| Loan and lease loss provision to assets | 0.2862% | 4,104 |
| Net operating income to assets | 0.7594% | 3,151 |
| Return on assets (ROA) | 0.7594% | 3,307 |
| Pretax return on assets | 1.2068% | 2,388 |
| Return on Equity (ROE) | 8.2551% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.1333% | 1,398 |
| Net charge-offs to loans | 0.1280% | 4,917 |
| Credit loss provision to net charge-offs | 317.2138% | 1,153 |
| Earnings coverage of net charge-offs (x) | 16.5457% | 1,395 |
| Efficiency ratio | 60.6121% | 5,929 |
| Assets per employee ($millions) | 7.3348% | 661 |
| Cash dividends to net income (ytd only)* | 1.4762% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 2,103 |
| Loan loss allowance to noncurrent loans | 48.9674% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 3.4202% | 2,059 |
| Noncurrent loans to loans | 4.1571% | 1,798 |
| Net loans and leases to total assets | 67.2190% | 3,568 |
| Net loans and leases to deposits | 86.6259% | 2,415 |
| Net loans and leases to core deposits | 104.3575% | 1,608 |
| Total domestic deposits to total assets | 77.5969% | 6,370 |
| Equity capital to assets | 9.3640% | 4,907 |
| Core capital (leverage) ratio | 8.7844% | 4,942 |
| Tier 1 risk-based capital ratio | 11.2152% | 6,027 |
| Total risk-based capital ratio | 12.4722% | 6,004 |
| Memoranda: | ||
| Average total assets | $2,497,882,670 | 282 |
| Average earning assets | $2,347,016,000 | 271 |
| Average equity | $229,772,670 | 308 |
| Average total loans | $1,760,756,670 | 273 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 4,792 |
| Cost of funding earning assets | 1.4761% | 3,707 |
| Net interest margin | 3.5720% | 4,849 |
| Noninterest income to average assets | 0.3104% | 5,665 |
| Noninterest expense to average assets | 2.3055% | 6,358 |
| Loan and lease loss provision to assets | 0.4560% | 2,689 |
| Net operating income to assets | 0.5848% | 3,962 |
| Return on assets (ROA) | 0.5848% | 4,107 |
| Pretax return on assets | 0.9045% | 3,454 |
| Return on Equity (ROE) | 6.4170% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.2930% | 2,469 |
| Net charge-offs to loans | 0.1078% | 4,347 |
| Credit loss provision to net charge-offs | 592.2432% | 740 |
| Earnings coverage of net charge-offs (x) | 17.6688% | 1,267 |
| Efficiency ratio | 62.8886% | 5,681 |
| Assets per employee ($millions) | 7.2509% | 739 |
| Cash dividends to net income (ytd only)* | 1.9321% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9814% | 2,240 |
| Loan loss allowance to noncurrent loans | 42.7195% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 3.8613% | 1,789 |
| Noncurrent loans to loans | 4.6381% | 1,598 |
| Net loans and leases to total assets | 69.4983% | 3,054 |
| Net loans and leases to deposits | 90.2101% | 1,873 |
| Net loans and leases to core deposits | 109.6649% | 1,303 |
| Total domestic deposits to total assets | 77.0406% | 6,555 |
| Equity capital to assets | 9.0813% | 5,160 |
| Core capital (leverage) ratio | 8.8637% | 4,778 |
| Tier 1 risk-based capital ratio | 10.7645% | 6,378 |
| Total risk-based capital ratio | 12.0211% | 6,356 |
| Memoranda: | ||
| Average total assets | $2,477,910,500 | 296 |
| Average earning assets | $2,327,778,500 | 284 |
| Average equity | $225,837,500 | 315 |
| Average total loans | $1,770,460,500 | 284 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 5,720 |
| Cost of funding earning assets | 1.8885% | 3,523 |
| Net interest margin | 3.2967% | 5,761 |
| Noninterest income to average assets | 0.3234% | 5,770 |
| Noninterest expense to average assets | 2.1940% | 7,008 |
| Loan and lease loss provision to assets | 0.8294% | 2,649 |
| Net operating income to assets | 0.2895% | 4,573 |
| Return on assets (ROA) | 0.2963% | 4,625 |
| Pretax return on assets | 0.4237% | 4,424 |
| Return on Equity (ROE) | 3.1736% | 4,426 |
| Retained earnings to average equity (ytd only) | -4.5601% | 5,965 |
| Net charge-offs to loans | 0.5676% | 3,520 |
| Credit loss provision to net charge-offs | 206.1806% | 1,864 |
| Earnings coverage of net charge-offs (x) | 3.0909% | 3,521 |
| Efficiency ratio | 63.8293% | 5,809 |
| Assets per employee ($millions) | 7.1130% | 759 |
| Cash dividends to net income (ytd only)* | 243.6902% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8782% | 2,321 |
| Loan loss allowance to noncurrent loans | 40.3786% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 3.8759% | 1,715 |
| Noncurrent loans to loans | 4.6515% | 1,512 |
| Net loans and leases to total assets | 70.6608% | 3,090 |
| Net loans and leases to deposits | 91.8159% | 1,923 |
| Net loans and leases to core deposits | 118.1242% | 2,119 |
| Total domestic deposits to total assets | 76.9592% | 6,491 |
| Equity capital to assets | 9.1478% | 4,918 |
| Core capital (leverage) ratio | 8.5413% | 5,216 |
| Tier 1 risk-based capital ratio | 10.5318% | 6,361 |
| Total risk-based capital ratio | 11.7869% | 6,337 |
| Memoranda: | ||
| Average total assets | $2,505,878,800 | 294 |
| Average earning assets | $2,366,992,600 | 281 |
| Average equity | $233,963,000 | 305 |
| Average total loans | $1,776,043,600 | 292 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1620% | 6,055 |
| Cost of funding earning assets | 1.9606% | 3,563 |
| Net interest margin | 3.2014% | 6,018 |
| Noninterest income to average assets | 0.2963% | 6,105 |
| Noninterest expense to average assets | 2.2278% | 6,903 |
| Loan and lease loss provision to assets | 0.6268% | 2,883 |
| Net operating income to assets | 0.3220% | 4,710 |
| Return on assets (ROA) | 0.3220% | 4,818 |
| Pretax return on assets | 0.4696% | 4,618 |
| Return on Equity (ROE) | 3.4322% | 4,605 |
| Retained earnings to average equity (ytd only) | 3.3133% | 3,457 |
| Net charge-offs to loans | 0.5290% | 3,099 |
| Credit loss provision to net charge-offs | 167.8177% | 2,791 |
| Earnings coverage of net charge-offs (x) | 2.9355% | 3,761 |
| Efficiency ratio | 67.0176% | 5,183 |
| Assets per employee ($millions) | 7.3648% | 676 |
| Cash dividends to net income (ytd only)* | 3.4636% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 3,263 |
| Loan loss allowance to noncurrent loans | 36.8063% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 3.3820% | 1,981 |
| Noncurrent loans to loans | 4.1640% | 1,741 |
| Net loans and leases to total assets | 68.8945% | 3,747 |
| Net loans and leases to deposits | 89.3937% | 2,697 |
| Net loans and leases to core deposits | 119.7296% | 2,266 |
| Total domestic deposits to total assets | 77.0686% | 6,321 |
| Equity capital to assets | 9.6035% | 4,614 |
| Core capital (leverage) ratio | 9.0220% | 4,616 |
| Tier 1 risk-based capital ratio | 11.2834% | 5,647 |
| Total risk-based capital ratio | 12.5348% | 5,592 |
| Memoranda: | ||
| Average total assets | $2,522,410,000 | 304 |
| Average earning assets | $2,385,683,750 | 289 |
| Average equity | $236,657,750 | 308 |
| Average total loans | $1,780,817,250 | 301 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1874% | 6,128 |
| Cost of funding earning assets | 2.0448% | 3,546 |
| Net interest margin | 3.1426% | 6,114 |
| Noninterest income to average assets | 0.2960% | 6,141 |
| Noninterest expense to average assets | 2.1491% | 7,176 |
| Loan and lease loss provision to assets | 0.5520% | 2,813 |
| Net operating income to assets | 0.3774% | 4,592 |
| Return on assets (ROA) | 0.3774% | 4,695 |
| Pretax return on assets | 0.5651% | 4,423 |
| Return on Equity (ROE) | 4.0541% | 4,475 |
| Retained earnings to average equity (ytd only) | 3.9339% | 3,091 |
| Net charge-offs to loans | 0.2265% | 4,080 |
| Credit loss provision to net charge-offs | 344.1147% | 1,344 |
| Earnings coverage of net charge-offs (x) | 6.9639% | 2,521 |
| Efficiency ratio | 65.7996% | 5,580 |
| Assets per employee ($millions) | 7.4930% | 618 |
| Cash dividends to net income (ytd only)* | 2.9641% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 3,055 |
| Loan loss allowance to noncurrent loans | 62.8015% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.1692% | 2,975 |
| Noncurrent loans to loans | 2.4302% | 2,976 |
| Net loans and leases to total assets | 68.7676% | 4,005 |
| Net loans and leases to deposits | 89.1331% | 2,967 |
| Net loans and leases to core deposits | 122.4009% | 2,168 |
| Total domestic deposits to total assets | 77.1515% | 6,284 |
| Equity capital to assets | 9.2871% | 4,900 |
| Core capital (leverage) ratio | 9.1136% | 4,435 |
| Tier 1 risk-based capital ratio | 11.1504% | 5,730 |
| Total risk-based capital ratio | 12.4020% | 5,638 |
| Memoranda: | ||
| Average total assets | $2,521,174,670 | 312 |
| Average earning assets | $2,382,808,330 | 300 |
| Average equity | $234,678,330 | 314 |
| Average total loans | $1,785,275,330 | 310 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2459% | 6,130 |
| Cost of funding earning assets | 2.1370% | 3,483 |
| Net interest margin | 3.1090% | 6,171 |
| Noninterest income to average assets | 0.2894% | 6,121 |
| Noninterest expense to average assets | 2.1468% | 7,017 |
| Loan and lease loss provision to assets | 0.4725% | 2,584 |
| Net operating income to assets | 0.4033% | 4,846 |
| Return on assets (ROA) | 0.4033% | 5,027 |
| Pretax return on assets | 0.6079% | 4,732 |
| Return on Equity (ROE) | 4.3279% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.2079% | 3,569 |
| Net charge-offs to loans | -0.0643% | 7,775 |
| Credit loss provision to net charge-offs | -1,030.6620% | 6,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5215% | 5,227 |
| Assets per employee ($millions) | 7.3624% | 658 |
| Cash dividends to net income (ytd only)* | 2.7723% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 3,309 |
| Loan loss allowance to noncurrent loans | 95.2738% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.5483% | 3,613 |
| Noncurrent loans to loans | 1.5086% | 4,021 |
| Net loans and leases to total assets | 69.7620% | 3,731 |
| Net loans and leases to deposits | 92.2155% | 2,557 |
| Net loans and leases to core deposits | 134.6738% | 1,380 |
| Total domestic deposits to total assets | 75.6511% | 6,579 |
| Equity capital to assets | 9.4093% | 4,797 |
| Core capital (leverage) ratio | 9.2005% | 4,397 |
| Tier 1 risk-based capital ratio | 11.0945% | 5,812 |
| Total risk-based capital ratio | 12.3451% | 5,722 |
| Memoranda: | ||
| Average total assets | $2,504,207,500 | 314 |
| Average earning assets | $2,366,324,000 | 301 |
| Average equity | $233,369,500 | 319 |
| Average total loans | $1,785,754,000 | 314 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9076% | 6,005 |
| Cost of funding earning assets | 2.2317% | 5,452 |
| Net interest margin | 3.6759% | 4,573 |
| Noninterest income to average assets | 0.3596% | 5,847 |
| Noninterest expense to average assets | 2.1642% | 7,078 |
| Loan and lease loss provision to assets | 0.3381% | 3,691 |
| Net operating income to assets | 0.8132% | 3,379 |
| Return on assets (ROA) | 0.7411% | 3,548 |
| Pretax return on assets | 1.1757% | 2,737 |
| Return on Equity (ROE) | 7.3850% | 3,329 |
| Retained earnings to average equity (ytd only) | 2.0163% | 3,975 |
| Net charge-offs to loans | 0.3261% | 3,221 |
| Credit loss provision to net charge-offs | 144.2123% | 3,665 |
| Earnings coverage of net charge-offs (x) | 6.9381% | 3,232 |
| Efficiency ratio | 57.0938% | 6,855 |
| Assets per employee ($millions) | 7.1777% | 649 |
| Cash dividends to net income (ytd only)* | 72.6975% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 4,218 |
| Loan loss allowance to noncurrent loans | 131.8042% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.1682% | 3,922 |
| Noncurrent loans to loans | 0.9426% | 4,723 |
| Net loans and leases to total assets | 70.9510% | 3,795 |
| Net loans and leases to deposits | 94.9274% | 2,632 |
| Net loans and leases to core deposits | 139.1185% | 1,311 |
| Total domestic deposits to total assets | 74.7424% | 6,509 |
| Equity capital to assets | 9.2285% | 5,035 |
| Core capital (leverage) ratio | 9.2433% | 4,373 |
| Tier 1 risk-based capital ratio | 10.8571% | 5,859 |
| Total risk-based capital ratio | 11.9685% | 5,892 |
| Memoranda: | ||
| Average total assets | $2,266,469,000 | 319 |
| Average earning assets | $2,115,479,400 | 315 |
| Average equity | $227,447,800 | 333 |
| Average total loans | $1,629,284,200 | 328 |