| 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 | 3.6758% | 4,861 |
| Cost of funding earning assets | 0.8440% | 528 |
| Net interest margin | 2.8318% | 5,760 |
| Noninterest income to average assets | 0.2759% | 5,143 |
| Noninterest expense to average assets | 1.6477% | 6,203 |
| Loan and lease loss provision to assets | -0.0353% | 5,987 |
| Net operating income to assets | 0.9964% | 2,395 |
| Return on assets (ROA) | 1.0312% | 2,333 |
| Pretax return on assets | 1.3543% | 2,060 |
| Return on Equity (ROE) | 8.7428% | 2,710 |
| Retained earnings to average equity (ytd only) | 0.1983% | 5,688 |
| Net charge-offs to loans | 0.0409% | 4,008 |
| Credit loss provision to net charge-offs | -229.3103% | 5,659 |
| Earnings coverage of net charge-offs (x) | 82.6138% | 608 |
| Efficiency ratio | 56.2585% | 5,643 |
| Assets per employee ($millions) | 7.2575% | 732 |
| Cash dividends to net income (ytd only)* | 97.7316% | 399 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8223% | 5,715 |
| Loan loss allowance to noncurrent loans | 76.8422% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 4,052 |
| Noncurrent loans to loans | 1.0701% | 2,681 |
| Net loans and leases to total assets | 37.5358% | 5,879 |
| Net loans and leases to deposits | 55.4903% | 5,213 |
| Net loans and leases to core deposits | 64.9477% | 4,758 |
| Total domestic deposits to total assets | 67.6439% | 6,281 |
| Equity capital to assets | 11.9120% | 2,077 |
| Core capital (leverage) ratio | 9.1927% | 4,689 |
| Tier 1 risk-based capital ratio | 16.1417% | 2,893 |
| Total risk-based capital ratio | 16.7127% | 3,180 |
| Memoranda: |
| Average total assets | $1,885,266,400 | 388 |
| Average earning assets | $1,759,294,800 | 378 |
| Average equity | $222,365,800 | 367 |
| Average total loans | $709,893,400 | 614 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6677% | 4,952 |
| Cost of funding earning assets | 0.8698% | 488 |
| Net interest margin | 2.7978% | 5,872 |
| Noninterest income to average assets | 0.2867% | 5,153 |
| Noninterest expense to average assets | 1.5118% | 6,347 |
| Loan and lease loss provision to assets | 0.0095% | 4,233 |
| Net operating income to assets | 1.0539% | 2,219 |
| Return on assets (ROA) | 1.0364% | 2,355 |
| Pretax return on assets | 1.3541% | 2,176 |
| Return on Equity (ROE) | 8.8090% | 2,780 |
| Retained earnings to average equity (ytd only) | 5.8058% | 2,532 |
| Net charge-offs to loans | 0.0355% | 3,777 |
| Credit loss provision to net charge-offs | 71.4286% | 2,745 |
| Earnings coverage of net charge-offs (x) | 103.6365% | 572 |
| Efficiency ratio | 51.9949% | 5,992 |
| Assets per employee ($millions) | 7.1164% | 768 |
| Cash dividends to net income (ytd only)* | 34.0925% | 2,615 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9466% | 5,440 |
| Loan loss allowance to noncurrent loans | 79.1720% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 4,157 |
| Noncurrent loans to loans | 1.1956% | 2,659 |
| Net loans and leases to total assets | 37.1812% | 5,982 |
| Net loans and leases to deposits | 52.7326% | 5,484 |
| Net loans and leases to core deposits | 60.7579% | 5,136 |
| Total domestic deposits to total assets | 70.5090% | 6,258 |
| Equity capital to assets | 12.1518% | 1,944 |
| Core capital (leverage) ratio | 9.4593% | 4,429 |
| Tier 1 risk-based capital ratio | 16.6410% | 2,753 |
| Total risk-based capital ratio | 17.2870% | 2,995 |
| Memoranda: |
| Average total assets | $1,886,662,750 | 383 |
| Average earning assets | $1,759,507,250 | 373 |
| Average equity | $221,980,250 | 363 |
| Average total loans | $709,516,000 | 610 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6813% | 4,920 |
| Cost of funding earning assets | 0.9039% | 422 |
| Net interest margin | 2.7774% | 5,951 |
| Noninterest income to average assets | 0.2947% | 5,059 |
| Noninterest expense to average assets | 1.5062% | 6,417 |
| Loan and lease loss provision to assets | 0.0064% | 4,110 |
| Net operating income to assets | 1.0562% | 2,099 |
| Return on assets (ROA) | 1.0254% | 2,286 |
| Pretax return on assets | 1.3341% | 2,136 |
| Return on Equity (ROE) | 8.8124% | 2,688 |
| Retained earnings to average equity (ytd only) | 4.2464% | 3,470 |
| Net charge-offs to loans | 0.0138% | 3,960 |
| Credit loss provision to net charge-offs | 122.4490% | 1,697 |
| Earnings coverage of net charge-offs (x) | 264.2653% | 256 |
| Efficiency ratio | 52.0388% | 6,062 |
| Assets per employee ($millions) | 7.1747% | 740 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,854 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9517% | 5,557 |
| Loan loss allowance to noncurrent loans | 77.3140% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 4,238 |
| Noncurrent loans to loans | 1.2310% | 2,771 |
| Net loans and leases to total assets | 37.4514% | 5,984 |
| Net loans and leases to deposits | 54.3476% | 5,329 |
| Net loans and leases to core deposits | 61.4928% | 5,010 |
| Total domestic deposits to total assets | 68.9108% | 6,390 |
| Equity capital to assets | 12.0155% | 1,968 |
| Core capital (leverage) ratio | 9.1059% | 4,865 |
| Tier 1 risk-based capital ratio | 16.1140% | 3,032 |
| Total risk-based capital ratio | 16.7638% | 3,297 |
| Memoranda: |
| Average total assets | $1,882,194,330 | 380 |
| Average earning assets | $1,753,519,000 | 372 |
| Average equity | $219,009,330 | 365 |
| Average total loans | $708,281,670 | 612 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6882% | 4,890 |
| Cost of funding earning assets | 0.9320% | 380 |
| Net interest margin | 2.7562% | 6,025 |
| Noninterest income to average assets | 0.2194% | 5,602 |
| Noninterest expense to average assets | 1.4634% | 6,520 |
| Loan and lease loss provision to assets | -0.0192% | 6,420 |
| Net operating income to assets | 1.0224% | 2,117 |
| Return on assets (ROA) | 0.9779% | 2,351 |
| Pretax return on assets | 1.2836% | 2,154 |
| Return on Equity (ROE) | 8.5451% | 2,671 |
| Retained earnings to average equity (ytd only) | -0.7694% | 5,690 |
| Net charge-offs to loans | -0.0017% | 4,689 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3295% | 6,116 |
| Assets per employee ($millions) | 7.2186% | 713 |
| Cash dividends to net income (ytd only)* | 109.0037% | 590 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9513% | 5,696 |
| Loan loss allowance to noncurrent loans | 77.4856% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 4,443 |
| Noncurrent loans to loans | 1.2277% | 2,996 |
| Net loans and leases to total assets | 36.9854% | 6,019 |
| Net loans and leases to deposits | 54.9594% | 5,203 |
| Net loans and leases to core deposits | 62.2698% | 4,852 |
| Total domestic deposits to total assets | 67.2959% | 6,532 |
| Equity capital to assets | 11.4765% | 2,274 |
| Core capital (leverage) ratio | 9.0624% | 4,915 |
| Tier 1 risk-based capital ratio | 15.3277% | 3,535 |
| Total risk-based capital ratio | 15.9585% | 3,836 |
| Memoranda: |
| Average total assets | $1,876,234,500 | 382 |
| Average earning assets | $1,744,586,500 | 375 |
| Average equity | $214,720,500 | 372 |
| Average total loans | $704,328,500 | 615 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7165% | 5,082 |
| Cost of funding earning assets | 1.1084% | 272 |
| Net interest margin | 2.6081% | 6,256 |
| Noninterest income to average assets | 0.2909% | 5,272 |
| Noninterest expense to average assets | 1.5226% | 6,564 |
| Loan and lease loss provision to assets | 0.0268% | 4,593 |
| Net operating income to assets | 0.9223% | 2,673 |
| Return on assets (ROA) | 0.9090% | 2,821 |
| Pretax return on assets | 1.1570% | 2,742 |
| Return on Equity (ROE) | 7.7625% | 3,164 |
| Retained earnings to average equity (ytd only) | 3.1848% | 3,969 |
| Net charge-offs to loans | 0.0586% | 4,405 |
| Credit loss provision to net charge-offs | 123.7624% | 1,922 |
| Earnings coverage of net charge-offs (x) | 55.0990% | 738 |
| Efficiency ratio | 55.7271% | 5,979 |
| Assets per employee ($millions) | 7.1310% | 715 |
| Cash dividends to net income (ytd only)* | 58.9727% | 1,814 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9688% | 5,708 |
| Loan loss allowance to noncurrent loans | 77.8604% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 4,498 |
| Noncurrent loans to loans | 1.2442% | 3,056 |
| Net loans and leases to total assets | 37.3760% | 6,136 |
| Net loans and leases to deposits | 56.6902% | 5,239 |
| Net loans and leases to core deposits | 64.8026% | 4,798 |
| Total domestic deposits to total assets | 65.9302% | 6,632 |
| Equity capital to assets | 11.4114% | 2,231 |
| Core capital (leverage) ratio | 9.1120% | 4,839 |
| Tier 1 risk-based capital ratio | 15.2916% | 3,488 |
| Total risk-based capital ratio | 15.9369% | 3,788 |
| Memoranda: |
| Average total assets | $1,865,373,000 | 374 |
| Average earning assets | $1,734,445,800 | 363 |
| Average equity | $218,446,400 | 351 |
| Average total loans | $689,748,400 | 606 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7091% | 5,144 |
| Cost of funding earning assets | 1.1406% | 252 |
| Net interest margin | 2.5685% | 6,352 |
| Noninterest income to average assets | 0.3080% | 5,238 |
| Noninterest expense to average assets | 1.5075% | 6,638 |
| Loan and lease loss provision to assets | 0.0214% | 4,574 |
| Net operating income to assets | 0.9288% | 2,694 |
| Return on assets (ROA) | 0.9107% | 2,884 |
| Pretax return on assets | 1.1543% | 2,877 |
| Return on Equity (ROE) | 7.7272% | 3,276 |
| Retained earnings to average equity (ytd only) | 4.6965% | 3,313 |
| Net charge-offs to loans | 0.0575% | 4,084 |
| Credit loss provision to net charge-offs | 101.3514% | 2,309 |
| Earnings coverage of net charge-offs (x) | 56.2664% | 794 |
| Efficiency ratio | 55.5458% | 5,968 |
| Assets per employee ($millions) | 6.8524% | 798 |
| Cash dividends to net income (ytd only)* | 39.2218% | 2,315 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9723% | 5,831 |
| Loan loss allowance to noncurrent loans | 99.3194% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 5,007 |
| Noncurrent loans to loans | 0.9790% | 3,854 |
| Net loans and leases to total assets | 36.8177% | 6,236 |
| Net loans and leases to deposits | 55.3463% | 5,429 |
| Net loans and leases to core deposits | 63.4088% | 4,958 |
| Total domestic deposits to total assets | 66.5224% | 6,697 |
| Equity capital to assets | 11.6943% | 2,134 |
| Core capital (leverage) ratio | 9.1942% | 4,840 |
| Tier 1 risk-based capital ratio | 15.3646% | 3,529 |
| Total risk-based capital ratio | 15.9999% | 3,877 |
| Memoranda: |
| Average total assets | $1,866,419,750 | 375 |
| Average earning assets | $1,736,158,500 | 363 |
| Average equity | $219,961,250 | 349 |
| Average total loans | $686,575,250 | 612 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7126% | 5,109 |
| Cost of funding earning assets | 1.1851% | 227 |
| Net interest margin | 2.5274% | 6,422 |
| Noninterest income to average assets | 0.3188% | 5,158 |
| Noninterest expense to average assets | 1.4958% | 6,670 |
| Loan and lease loss provision to assets | 0.0241% | 4,435 |
| Net operating income to assets | 0.9118% | 2,735 |
| Return on assets (ROA) | 0.8996% | 2,944 |
| Pretax return on assets | 1.1430% | 2,917 |
| Return on Equity (ROE) | 7.6136% | 3,282 |
| Retained earnings to average equity (ytd only) | 3.0865% | 4,355 |
| Net charge-offs to loans | 0.0601% | 3,844 |
| Credit loss provision to net charge-offs | 109.2233% | 2,024 |
| Earnings coverage of net charge-offs (x) | 53.2427% | 766 |
| Efficiency ratio | 55.6834% | 6,001 |
| Assets per employee ($millions) | 6.8634% | 764 |
| Cash dividends to net income (ytd only)* | 59.4601% | 1,518 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9764% | 5,908 |
| Loan loss allowance to noncurrent loans | 97.8191% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 5,070 |
| Noncurrent loans to loans | 0.9981% | 3,939 |
| Net loans and leases to total assets | 36.8226% | 6,248 |
| Net loans and leases to deposits | 56.0872% | 5,334 |
| Net loans and leases to core deposits | 62.8851% | 5,018 |
| Total domestic deposits to total assets | 65.6525% | 6,768 |
| Equity capital to assets | 11.5277% | 2,270 |
| Core capital (leverage) ratio | 9.0036% | 4,980 |
| Tier 1 risk-based capital ratio | 14.8728% | 3,861 |
| Total risk-based capital ratio | 15.5090% | 4,204 |
| Memoranda: |
| Average total assets | $1,869,560,000 | 371 |
| Average earning assets | $1,738,530,670 | 364 |
| Average equity | $220,894,000 | 345 |
| Average total loans | $685,294,670 | 609 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7416% | 5,015 |
| Cost of funding earning assets | 1.2579% | 184 |
| Net interest margin | 2.4837% | 6,526 |
| Noninterest income to average assets | 0.3089% | 5,219 |
| Noninterest expense to average assets | 1.4775% | 6,763 |
| Loan and lease loss provision to assets | 0.0320% | 4,048 |
| Net operating income to assets | 0.8931% | 2,687 |
| Return on assets (ROA) | 0.8800% | 2,902 |
| Pretax return on assets | 1.1094% | 2,919 |
| Return on Equity (ROE) | 7.3594% | 3,284 |
| Retained earnings to average equity (ytd only) | -1.5481% | 6,029 |
| Net charge-offs to loans | 0.0808% | 3,031 |
| Credit loss provision to net charge-offs | 108.6957% | 1,707 |
| Earnings coverage of net charge-offs (x) | 38.8841% | 811 |
| Efficiency ratio | 55.9909% | 6,064 |
| Assets per employee ($millions) | 6.9721% | 775 |
| Cash dividends to net income (ytd only)* | 121.0361% | 496 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9769% | 6,057 |
| Loan loss allowance to noncurrent loans | 91.5917% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 5,076 |
| Noncurrent loans to loans | 1.0666% | 4,011 |
| Net loans and leases to total assets | 36.4605% | 6,264 |
| Net loans and leases to deposits | 56.2082% | 5,222 |
| Net loans and leases to core deposits | 62.1966% | 4,937 |
| Total domestic deposits to total assets | 64.8668% | 6,867 |
| Equity capital to assets | 11.9373% | 2,085 |
| Core capital (leverage) ratio | 8.7391% | 5,274 |
| Tier 1 risk-based capital ratio | 14.4404% | 4,217 |
| Total risk-based capital ratio | 15.0688% | 4,600 |
| Memoranda: |
| Average total assets | $1,877,781,000 | 376 |
| Average earning assets | $1,747,707,500 | 367 |
| Average equity | $224,530,000 | 349 |
| Average total loans | $683,394,500 | 614 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0371% | 5,204 |
| Cost of funding earning assets | 1.4812% | 180 |
| Net interest margin | 2.5559% | 6,675 |
| Noninterest income to average assets | 0.2799% | 5,463 |
| Noninterest expense to average assets | 1.4869% | 6,874 |
| Loan and lease loss provision to assets | 0.0571% | 5,063 |
| Net operating income to assets | 0.8889% | 2,871 |
| Return on assets (ROA) | 0.8459% | 3,318 |
| Pretax return on assets | 1.0640% | 3,295 |
| Return on Equity (ROE) | 7.3012% | 3,465 |
| Retained earnings to average equity (ytd only) | 2.8178% | 4,255 |
| Net charge-offs to loans | 0.1385% | 4,308 |
| Credit loss provision to net charge-offs | 118.5345% | 2,423 |
| Earnings coverage of net charge-offs (x) | 24.1282% | 1,187 |
| Efficiency ratio | 55.6196% | 6,101 |
| Assets per employee ($millions) | 6.8870% | 811 |
| Cash dividends to net income (ytd only)* | 61.4062% | 1,723 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9884% | 6,003 |
| Loan loss allowance to noncurrent loans | 92.5379% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 5,186 |
| Noncurrent loans to loans | 1.0681% | 4,067 |
| Net loans and leases to total assets | 35.6159% | 6,459 |
| Net loans and leases to deposits | 56.8469% | 5,354 |
| Net loans and leases to core deposits | 63.0852% | 5,053 |
| Total domestic deposits to total assets | 62.6523% | 6,945 |
| Equity capital to assets | 11.9769% | 2,057 |
| Core capital (leverage) ratio | 8.6967% | 5,331 |
| Tier 1 risk-based capital ratio | 14.5814% | 3,971 |
| Total risk-based capital ratio | 15.2088% | 4,377 |
| Memoranda: |
| Average total assets | $1,925,263,000 | 368 |
| Average earning assets | $1,785,273,200 | 347 |
| Average equity | $223,044,800 | 337 |
| Average total loans | $670,122,200 | 617 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0951% | 5,206 |
| Cost of funding earning assets | 1.5140% | 191 |
| Net interest margin | 2.5810% | 6,774 |
| Noninterest income to average assets | 0.2512% | 5,767 |
| Noninterest expense to average assets | 1.4763% | 6,949 |
| Loan and lease loss provision to assets | 0.0586% | 4,996 |
| Net operating income to assets | 0.8919% | 3,024 |
| Return on assets (ROA) | 0.8550% | 3,440 |
| Pretax return on assets | 1.0706% | 3,463 |
| Return on Equity (ROE) | 7.4419% | 3,565 |
| Retained earnings to average equity (ytd only) | 4.1432% | 3,988 |
| Net charge-offs to loans | 0.1645% | 3,809 |
| Credit loss provision to net charge-offs | 103.1553% | 2,855 |
| Earnings coverage of net charge-offs (x) | 20.5364% | 1,443 |
| Efficiency ratio | 55.3747% | 6,123 |
| Assets per employee ($millions) | 6.8924% | 785 |
| Cash dividends to net income (ytd only)* | 44.3262% | 1,962 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9673% | 6,200 |
| Loan loss allowance to noncurrent loans | 45.0508% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9071% | 4,470 |
| Noncurrent loans to loans | 2.1471% | 2,678 |
| Net loans and leases to total assets | 34.9424% | 6,614 |
| Net loans and leases to deposits | 56.1516% | 5,620 |
| Net loans and leases to core deposits | 61.5274% | 5,399 |
| Total domestic deposits to total assets | 62.2286% | 7,040 |
| Equity capital to assets | 12.0091% | 2,247 |
| Core capital (leverage) ratio | 8.5423% | 5,695 |
| Tier 1 risk-based capital ratio | 14.6607% | 4,080 |
| Total risk-based capital ratio | 15.2754% | 4,463 |
| Memoranda: |
| Average total assets | $1,934,819,000 | 366 |
| Average earning assets | $1,792,515,000 | 349 |
| Average equity | $222,304,000 | 338 |
| Average total loans | $667,954,000 | 620 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1488% | 5,136 |
| Cost of funding earning assets | 1.5530% | 187 |
| Net interest margin | 2.5958% | 6,820 |
| Noninterest income to average assets | 0.2371% | 5,872 |
| Noninterest expense to average assets | 1.4879% | 7,014 |
| Loan and lease loss provision to assets | 0.0516% | 5,023 |
| Net operating income to assets | 0.8843% | 2,983 |
| Return on assets (ROA) | 0.8381% | 3,470 |
| Pretax return on assets | 1.0545% | 3,496 |
| Return on Equity (ROE) | 7.4047% | 3,563 |
| Retained earnings to average equity (ytd only) | 2.3917% | 4,997 |
| Net charge-offs to loans | 0.0891% | 4,258 |
| Credit loss provision to net charge-offs | 168.9189% | 1,651 |
| Earnings coverage of net charge-offs (x) | 37.7399% | 916 |
| Efficiency ratio | 55.8490% | 6,129 |
| Assets per employee ($millions) | 7.0787% | 704 |
| Cash dividends to net income (ytd only)* | 67.7006% | 1,148 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0043% | 6,141 |
| Loan loss allowance to noncurrent loans | 43.2060% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 4,393 |
| Noncurrent loans to loans | 2.3244% | 2,573 |
| Net loans and leases to total assets | 34.0111% | 6,721 |
| Net loans and leases to deposits | 54.2860% | 5,837 |
| Net loans and leases to core deposits | 60.0235% | 5,586 |
| Total domestic deposits to total assets | 62.6516% | 7,103 |
| Equity capital to assets | 11.2831% | 2,812 |
| Core capital (leverage) ratio | 8.1642% | 6,080 |
| Tier 1 risk-based capital ratio | 14.2829% | 4,251 |
| Total risk-based capital ratio | 14.9182% | 4,664 |
| Memoranda: |
| Average total assets | $1,938,764,000 | 366 |
| Average earning assets | $1,794,875,670 | 352 |
| Average equity | $219,427,330 | 338 |
| Average total loans | $664,439,000 | 627 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1991% | 5,108 |
| Cost of funding earning assets | 1.5937% | 192 |
| Net interest margin | 2.6054% | 6,869 |
| Noninterest income to average assets | 0.2324% | 5,963 |
| Noninterest expense to average assets | 1.5277% | 7,037 |
| Loan and lease loss provision to assets | 0.0414% | 4,873 |
| Net operating income to assets | 0.8626% | 3,094 |
| Return on assets (ROA) | 0.8278% | 3,496 |
| Pretax return on assets | 1.0372% | 3,545 |
| Return on Equity (ROE) | 7.3031% | 3,605 |
| Retained earnings to average equity (ytd only) | 7.3031% | 2,277 |
| Net charge-offs to loans | 0.0629% | 3,865 |
| Credit loss provision to net charge-offs | 192.3077% | 1,373 |
| Earnings coverage of net charge-offs (x) | 51.6923% | 623 |
| Efficiency ratio | 57.3087% | 6,004 |
| Assets per employee ($millions) | 7.1557% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9950% | 6,269 |
| Loan loss allowance to noncurrent loans | 41.2141% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 4,454 |
| Noncurrent loans to loans | 2.4142% | 2,691 |
| Net loans and leases to total assets | 34.0349% | 6,735 |
| Net loans and leases to deposits | 55.2642% | 5,681 |
| Net loans and leases to core deposits | 61.5511% | 5,374 |
| Total domestic deposits to total assets | 61.5858% | 7,175 |
| Equity capital to assets | 11.4777% | 2,459 |
| Core capital (leverage) ratio | 8.3631% | 5,789 |
| Tier 1 risk-based capital ratio | 14.8665% | 3,846 |
| Total risk-based capital ratio | 15.5127% | 4,241 |
| Memoranda: |
| Average total assets | $1,931,292,000 | 367 |
| Average earning assets | $1,785,510,500 | 353 |
| Average equity | $218,921,500 | 334 |
| Average total loans | $661,049,500 | 629 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4707% | 5,178 |
| Cost of funding earning assets | 1.8133% | 206 |
| Net interest margin | 2.6575% | 6,964 |
| Noninterest income to average assets | 0.1402% | 6,450 |
| Noninterest expense to average assets | 1.4066% | 7,211 |
| Loan and lease loss provision to assets | 0.0591% | 5,865 |
| Net operating income to assets | 0.8895% | 2,648 |
| Return on assets (ROA) | 0.8697% | 2,880 |
| Pretax return on assets | 1.1055% | 2,814 |
| Return on Equity (ROE) | 7.8246% | 2,999 |
| Retained earnings to average equity (ytd only) | 0.7669% | 5,494 |
| Net charge-offs to loans | 0.1757% | 4,742 |
| Credit loss provision to net charge-offs | 99.1228% | 3,611 |
| Earnings coverage of net charge-offs (x) | 19.7474% | 1,158 |
| Efficiency ratio | 53.7636% | 6,535 |
| Assets per employee ($millions) | 7.1501% | 678 |
| Cash dividends to net income (ytd only)* | 90.1984% | 519 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9973% | 6,233 |
| Loan loss allowance to noncurrent loans | 48.4473% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9062% | 4,799 |
| Noncurrent loans to loans | 2.0586% | 3,128 |
| Net loans and leases to total assets | 33.7386% | 6,878 |
| Net loans and leases to deposits | 55.9500% | 5,901 |
| Net loans and leases to core deposits | 62.1146% | 5,642 |
| Total domestic deposits to total assets | 60.3015% | 7,222 |
| Equity capital to assets | 11.1921% | 2,803 |
| Core capital (leverage) ratio | 7.9140% | 6,346 |
| Tier 1 risk-based capital ratio | 14.4663% | 3,992 |
| Total risk-based capital ratio | 15.1011% | 4,397 |
| Memoranda: |
| Average total assets | $1,912,061,400 | 361 |
| Average earning assets | $1,758,334,400 | 347 |
| Average equity | $212,534,800 | 330 |
| Average total loans | $648,916,800 | 634 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5163% | 5,214 |
| Cost of funding earning assets | 1.8505% | 208 |
| Net interest margin | 2.6658% | 7,020 |
| Noninterest income to average assets | 0.1932% | 6,209 |
| Noninterest expense to average assets | 1.3995% | 7,275 |
| Loan and lease loss provision to assets | 0.0559% | 5,744 |
| Net operating income to assets | 0.9300% | 2,619 |
| Return on assets (ROA) | 0.9124% | 2,826 |
| Pretax return on assets | 1.1802% | 2,691 |
| Return on Equity (ROE) | 8.2225% | 2,952 |
| Retained earnings to average equity (ytd only) | 1.6143% | 5,333 |
| Net charge-offs to loans | 0.2262% | 4,024 |
| Credit loss provision to net charge-offs | 72.8597% | 4,383 |
| Earnings coverage of net charge-offs (x) | 16.2059% | 1,412 |
| Efficiency ratio | 52.3048% | 6,650 |
| Assets per employee ($millions) | 7.2191% | 664 |
| Cash dividends to net income (ytd only)* | 80.3674% | 608 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9606% | 6,422 |
| Loan loss allowance to noncurrent loans | 51.5042% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 5,209 |
| Noncurrent loans to loans | 1.8652% | 3,548 |
| Net loans and leases to total assets | 32.8101% | 7,000 |
| Net loans and leases to deposits | 55.2885% | 6,101 |
| Net loans and leases to core deposits | 60.0632% | 5,989 |
| Total domestic deposits to total assets | 59.3434% | 7,309 |
| Equity capital to assets | 11.1200% | 3,036 |
| Core capital (leverage) ratio | 7.9977% | 6,401 |
| Tier 1 risk-based capital ratio | 15.0460% | 3,635 |
| Total risk-based capital ratio | 15.6709% | 4,003 |
| Memoranda: |
| Average total assets | $1,909,232,750 | 364 |
| Average earning assets | $1,753,941,500 | 350 |
| Average equity | $211,851,750 | 334 |
| Average total loans | $647,281,500 | 648 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5867% | 5,024 |
| Cost of funding earning assets | 1.8933% | 214 |
| Net interest margin | 2.6934% | 7,037 |
| Noninterest income to average assets | 0.2222% | 6,084 |
| Noninterest expense to average assets | 1.4382% | 7,343 |
| Loan and lease loss provision to assets | 0.0529% | 5,656 |
| Net operating income to assets | 0.9393% | 2,484 |
| Return on assets (ROA) | 0.9188% | 2,658 |
| Pretax return on assets | 1.1896% | 2,525 |
| Return on Equity (ROE) | 8.2867% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.4715% | 3,349 |
| Net charge-offs to loans | 0.1219% | 4,497 |
| Credit loss provision to net charge-offs | 126.9036% | 2,410 |
| Earnings coverage of net charge-offs (x) | 30.0914% | 918 |
| Efficiency ratio | 52.7598% | 6,739 |
| Assets per employee ($millions) | 7.2277% | 649 |
| Cash dividends to net income (ytd only)* | 46.0405% | 1,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0291% | 6,220 |
| Loan loss allowance to noncurrent loans | 44.4037% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 0.8513% | 5,171 |
| Noncurrent loans to loans | 2.3177% | 3,077 |
| Net loans and leases to total assets | 33.2791% | 7,069 |
| Net loans and leases to deposits | 57.7715% | 5,964 |
| Net loans and leases to core deposits | 62.5123% | 5,861 |
| Total domestic deposits to total assets | 57.6047% | 7,393 |
| Equity capital to assets | 11.2699% | 2,706 |
| Core capital (leverage) ratio | 8.2567% | 5,935 |
| Tier 1 risk-based capital ratio | 15.6840% | 3,141 |
| Total risk-based capital ratio | 16.3638% | 3,407 |
| Memoranda: |
| Average total assets | $1,891,107,670 | 371 |
| Average earning assets | $1,734,197,000 | 358 |
| Average equity | $209,684,670 | 341 |
| Average total loans | $646,205,330 | 659 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6059% | 4,916 |
| Cost of funding earning assets | 1.9343% | 217 |
| Net interest margin | 2.6716% | 7,047 |
| Noninterest income to average assets | 0.2715% | 5,735 |
| Noninterest expense to average assets | 1.4743% | 7,381 |
| Loan and lease loss provision to assets | 0.0640% | 5,192 |
| Net operating income to assets | 0.9287% | 2,450 |
| Return on assets (ROA) | 0.8715% | 2,753 |
| Pretax return on assets | 1.1215% | 2,674 |
| Return on Equity (ROE) | 7.9266% | 2,947 |
| Retained earnings to average equity (ytd only) | 0.1668% | 5,741 |
| Net charge-offs to loans | 0.1548% | 3,559 |
| Credit loss provision to net charge-offs | 120.0000% | 2,273 |
| Earnings coverage of net charge-offs (x) | 23.3040% | 1,021 |
| Efficiency ratio | 53.5720% | 6,731 |
| Assets per employee ($millions) | 7.0845% | 708 |
| Cash dividends to net income (ytd only)* | 97.8953% | 614 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0234% | 6,302 |
| Loan loss allowance to noncurrent loans | 40.5520% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 5,062 |
| Noncurrent loans to loans | 2.5236% | 2,956 |
| Net loans and leases to total assets | 33.9852% | 7,094 |
| Net loans and leases to deposits | 60.2527% | 5,703 |
| Net loans and leases to core deposits | 65.2769% | 5,589 |
| Total domestic deposits to total assets | 56.4044% | 7,458 |
| Equity capital to assets | 10.9740% | 2,713 |
| Core capital (leverage) ratio | 8.1934% | 5,978 |
| Tier 1 risk-based capital ratio | 15.2855% | 3,263 |
| Total risk-based capital ratio | 15.9631% | 3,559 |
| Memoranda: |
| Average total assets | $1,875,380,500 | 372 |
| Average earning assets | $1,716,570,000 | 359 |
| Average equity | $206,192,000 | 343 |
| Average total loans | $646,075,500 | 663 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8499% | 5,231 |
| Cost of funding earning assets | 2.2203% | 290 |
| Net interest margin | 2.6296% | 7,183 |
| Noninterest income to average assets | 0.2436% | 6,055 |
| Noninterest expense to average assets | 1.4128% | 7,476 |
| Loan and lease loss provision to assets | 0.0738% | 6,412 |
| Net operating income to assets | 0.9043% | 2,367 |
| Return on assets (ROA) | 0.8397% | 2,768 |
| Pretax return on assets | 1.0814% | 2,653 |
| Return on Equity (ROE) | 7.6719% | 2,826 |
| Retained earnings to average equity (ytd only) | 3.8302% | 3,181 |
| Net charge-offs to loans | 0.1323% | 5,584 |
| Credit loss provision to net charge-offs | 158.8235% | 2,211 |
| Earnings coverage of net charge-offs (x) | 26.5090% | 819 |
| Efficiency ratio | 52.6046% | 6,938 |
| Assets per employee ($millions) | 6.9901% | 740 |
| Cash dividends to net income (ytd only)* | 50.0751% | 2,076 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0111% | 6,331 |
| Loan loss allowance to noncurrent loans | 49.9009% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 5,490 |
| Noncurrent loans to loans | 2.0262% | 3,527 |
| Net loans and leases to total assets | 34.2149% | 7,220 |
| Net loans and leases to deposits | 63.0607% | 5,735 |
| Net loans and leases to core deposits | 67.8527% | 5,673 |
| Total domestic deposits to total assets | 54.2572% | 7,548 |
| Equity capital to assets | 11.0154% | 2,667 |
| Core capital (leverage) ratio | 8.1142% | 5,989 |
| Tier 1 risk-based capital ratio | 15.1256% | 3,184 |
| Total risk-based capital ratio | 15.7917% | 3,478 |
| Memoranda: |
| Average total assets | $1,902,640,600 | 367 |
| Average earning assets | $1,737,178,600 | 357 |
| Average equity | $208,241,600 | 340 |
| Average total loans | $668,321,600 | 653 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9067% | 5,237 |
| Cost of funding earning assets | 2.2630% | 310 |
| Net interest margin | 2.6437% | 7,280 |
| Noninterest income to average assets | 0.2167% | 6,354 |
| Noninterest expense to average assets | 1.3913% | 7,596 |
| Loan and lease loss provision to assets | 0.0771% | 6,275 |
| Net operating income to assets | 0.9156% | 2,548 |
| Return on assets (ROA) | 0.8401% | 2,971 |
| Pretax return on assets | 1.0720% | 2,920 |
| Return on Equity (ROE) | 7.6882% | 3,029 |
| Retained earnings to average equity (ytd only) | 2.5776% | 4,617 |
| Net charge-offs to loans | 0.1493% | 5,114 |
| Credit loss provision to net charge-offs | 146.4191% | 2,685 |
| Earnings coverage of net charge-offs (x) | 23.5212% | 1,057 |
| Efficiency ratio | 52.0881% | 6,966 |
| Assets per employee ($millions) | 6.9277% | 792 |
| Cash dividends to net income (ytd only)* | 66.4728% | 1,008 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9561% | 6,547 |
| Loan loss allowance to noncurrent loans | 136.7575% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 6,548 |
| Noncurrent loans to loans | 0.6992% | 5,811 |
| Net loans and leases to total assets | 34.8002% | 7,317 |
| Net loans and leases to deposits | 65.6007% | 5,708 |
| Net loans and leases to core deposits | 70.6558% | 5,685 |
| Total domestic deposits to total assets | 53.0485% | 7,656 |
| Equity capital to assets | 11.2315% | 2,748 |
| Core capital (leverage) ratio | 7.8444% | 6,525 |
| Tier 1 risk-based capital ratio | 14.5381% | 3,491 |
| Total risk-based capital ratio | 15.1748% | 3,853 |
| Memoranda: |
| Average total assets | $1,909,961,250 | 364 |
| Average earning assets | $1,743,024,250 | 355 |
| Average equity | $208,712,500 | 335 |
| Average total loans | $673,523,250 | 650 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9432% | 5,211 |
| Cost of funding earning assets | 2.3199% | 317 |
| Net interest margin | 2.6233% | 7,329 |
| Noninterest income to average assets | 0.1981% | 6,485 |
| Noninterest expense to average assets | 1.3602% | 7,685 |
| Loan and lease loss provision to assets | 0.0579% | 6,379 |
| Net operating income to assets | 0.9084% | 2,524 |
| Return on assets (ROA) | 0.8494% | 2,885 |
| Pretax return on assets | 1.1012% | 2,780 |
| Return on Equity (ROE) | 7.8449% | 2,944 |
| Retained earnings to average equity (ytd only) | 3.9842% | 3,544 |
| Net charge-offs to loans | 0.0956% | 5,189 |
| Credit loss provision to net charge-offs | 171.5170% | 2,276 |
| Earnings coverage of net charge-offs (x) | 36.4737% | 788 |
| Efficiency ratio | 51.6433% | 7,107 |
| Assets per employee ($millions) | 7.1187% | 729 |
| Cash dividends to net income (ytd only)* | 49.2126% | 1,723 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9282% | 6,666 |
| Loan loss allowance to noncurrent loans | 122.0359% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 6,641 |
| Noncurrent loans to loans | 0.7606% | 5,753 |
| Net loans and leases to total assets | 35.0106% | 7,390 |
| Net loans and leases to deposits | 66.9456% | 5,690 |
| Net loans and leases to core deposits | 72.9893% | 5,556 |
| Total domestic deposits to total assets | 52.2971% | 7,728 |
| Equity capital to assets | 11.1637% | 2,718 |
| Core capital (leverage) ratio | 7.7502% | 6,557 |
| Tier 1 risk-based capital ratio | 14.6809% | 3,338 |
| Total risk-based capital ratio | 15.3123% | 3,651 |
| Memoranda: |
| Average total assets | $1,913,883,330 | 361 |
| Average earning assets | $1,745,961,330 | 355 |
| Average equity | $207,218,000 | 336 |
| Average total loans | $675,713,670 | 645 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0210% | 4,924 |
| Cost of funding earning assets | 2.4026% | 304 |
| Net interest margin | 2.6184% | 7,373 |
| Noninterest income to average assets | 0.1454% | 6,935 |
| Noninterest expense to average assets | 1.4404% | 7,742 |
| Loan and lease loss provision to assets | 0.0739% | 5,899 |
| Net operating income to assets | 0.7816% | 3,051 |
| Return on assets (ROA) | 0.7877% | 3,139 |
| Pretax return on assets | 1.0083% | 3,059 |
| Return on Equity (ROE) | 7.3898% | 3,168 |
| Retained earnings to average equity (ytd only) | -0.4405% | 5,931 |
| Net charge-offs to loans | 0.1455% | 4,060 |
| Credit loss provision to net charge-offs | 143.9024% | 2,472 |
| Earnings coverage of net charge-offs (x) | 21.2398% | 1,130 |
| Efficiency ratio | 56.0274% | 6,755 |
| Assets per employee ($millions) | 7.2721% | 729 |
| Cash dividends to net income (ytd only)* | 105.9603% | 533 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9084% | 6,820 |
| Loan loss allowance to noncurrent loans | 122.6264% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 6,731 |
| Noncurrent loans to loans | 0.7408% | 5,839 |
| Net loans and leases to total assets | 34.9891% | 7,468 |
| Net loans and leases to deposits | 68.0918% | 5,580 |
| Net loans and leases to core deposits | 74.4200% | 5,454 |
| Total domestic deposits to total assets | 51.3852% | 7,830 |
| Equity capital to assets | 10.7148% | 3,033 |
| Core capital (leverage) ratio | 7.4910% | 6,864 |
| Tier 1 risk-based capital ratio | 14.1676% | 3,552 |
| Total risk-based capital ratio | 14.7841% | 3,924 |
| Memoranda: |
| Average total assets | $1,916,915,000 | 375 |
| Average earning assets | $1,746,251,000 | 369 |
| Average equity | $204,335,500 | 342 |
| Average total loans | $676,471,500 | 669 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1893% | 5,696 |
| Cost of funding earning assets | 2.8760% | 334 |
| Net interest margin | 2.3133% | 7,582 |
| Noninterest income to average assets | 0.2705% | 6,184 |
| Noninterest expense to average assets | 1.4627% | 7,820 |
| Loan and lease loss provision to assets | 0.0473% | 7,094 |
| Net operating income to assets | 0.6946% | 2,955 |
| Return on assets (ROA) | 0.6898% | 3,043 |
| Pretax return on assets | 0.8626% | 3,040 |
| Return on Equity (ROE) | 6.8655% | 2,840 |
| Retained earnings to average equity (ytd only) | 3.2553% | 2,879 |
| Net charge-offs to loans | 0.1306% | 5,890 |
| Credit loss provision to net charge-offs | 102.3569% | 5,400 |
| Earnings coverage of net charge-offs (x) | 19.9371% | 1,063 |
| Efficiency ratio | 60.3005% | 6,437 |
| Assets per employee ($millions) | 7.3330% | 695 |
| Cash dividends to net income (ytd only)* | 52.5841% | 2,347 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8894% | 6,864 |
| Loan loss allowance to noncurrent loans | 143.4658% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2592% | 6,800 |
| Noncurrent loans to loans | 0.6200% | 6,005 |
| Net loans and leases to total assets | 34.9557% | 7,563 |
| Net loans and leases to deposits | 70.8132% | 5,494 |
| Net loans and leases to core deposits | 88.9545% | 5,230 |
| Total domestic deposits to total assets | 49.3633% | 7,915 |
| Equity capital to assets | 10.6046% | 3,063 |
| Core capital (leverage) ratio | 7.6115% | 6,672 |
| Tier 1 risk-based capital ratio | 14.1825% | 3,390 |
| Total risk-based capital ratio | 14.7872% | 3,744 |
| Memoranda: |
| Average total assets | $1,929,875,000 | 361 |
| Average earning assets | $1,762,549,400 | 362 |
| Average equity | $193,896,400 | 360 |
| Average total loans | $682,426,800 | 682 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2128% | 5,826 |
| Cost of funding earning assets | 2.9555% | 376 |
| Net interest margin | 2.2573% | 7,681 |
| Noninterest income to average assets | 0.2956% | 6,111 |
| Noninterest expense to average assets | 1.3432% | 7,943 |
| Loan and lease loss provision to assets | 0.0519% | 6,859 |
| Net operating income to assets | 0.7603% | 2,983 |
| Return on assets (ROA) | 0.7261% | 3,181 |
| Pretax return on assets | 0.9221% | 3,158 |
| Return on Equity (ROE) | 7.3283% | 2,935 |
| Retained earnings to average equity (ytd only) | 2.4530% | 3,958 |
| Net charge-offs to loans | 0.1012% | 5,659 |
| Credit loss provision to net charge-offs | 144.8940% | 3,358 |
| Earnings coverage of net charge-offs (x) | 28.3122% | 968 |
| Efficiency ratio | 55.8903% | 7,016 |
| Assets per employee ($millions) | 7.2482% | 708 |
| Cash dividends to net income (ytd only)* | 66.5273% | 1,384 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9230% | 6,659 |
| Loan loss allowance to noncurrent loans | 135.8667% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 6,819 |
| Noncurrent loans to loans | 0.6793% | 5,942 |
| Net loans and leases to total assets | 34.4770% | 7,673 |
| Net loans and leases to deposits | 72.0216% | 5,645 |
| Net loans and leases to core deposits | 89.3376% | 5,500 |
| Total domestic deposits to total assets | 47.8704% | 7,989 |
| Equity capital to assets | 10.5557% | 3,449 |
| Core capital (leverage) ratio | 7.4948% | 6,980 |
| Tier 1 risk-based capital ratio | 14.0775% | 3,501 |
| Total risk-based capital ratio | 14.7090% | 3,820 |
| Memoranda: |
| Average total assets | $1,932,030,000 | 374 |
| Average earning assets | $1,764,613,250 | 373 |
| Average equity | $191,435,000 | 373 |
| Average total loans | $683,629,750 | 699 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2697% | 5,795 |
| Cost of funding earning assets | 3.0514% | 408 |
| Net interest margin | 2.2183% | 7,739 |
| Noninterest income to average assets | 0.3038% | 6,091 |
| Noninterest expense to average assets | 1.3702% | 8,026 |
| Loan and lease loss provision to assets | 0.0535% | 6,690 |
| Net operating income to assets | 0.7228% | 3,156 |
| Return on assets (ROA) | 0.6915% | 3,406 |
| Pretax return on assets | 0.8683% | 3,454 |
| Return on Equity (ROE) | 7.1355% | 3,147 |
| Retained earnings to average equity (ytd only) | 3.9251% | 3,095 |
| Net charge-offs to loans | 0.0953% | 5,223 |
| Credit loss provision to net charge-offs | 157.7982% | 2,923 |
| Earnings coverage of net charge-offs (x) | 28.2630% | 1,038 |
| Efficiency ratio | 57.7225% | 6,904 |
| Assets per employee ($millions) | 7.3636% | 648 |
| Cash dividends to net income (ytd only)* | 44.9910% | 2,227 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9290% | 6,653 |
| Loan loss allowance to noncurrent loans | 153.1142% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 6,852 |
| Noncurrent loans to loans | 0.6068% | 6,048 |
| Net loans and leases to total assets | 34.3733% | 7,761 |
| Net loans and leases to deposits | 72.9612% | 5,611 |
| Net loans and leases to core deposits | 89.7159% | 5,559 |
| Total domestic deposits to total assets | 47.1117% | 8,075 |
| Equity capital to assets | 10.0299% | 3,899 |
| Core capital (leverage) ratio | 7.4331% | 7,097 |
| Tier 1 risk-based capital ratio | 14.2666% | 3,370 |
| Total risk-based capital ratio | 14.9016% | 3,652 |
| Memoranda: |
| Average total assets | $1,928,534,330 | 385 |
| Average earning assets | $1,760,359,000 | 386 |
| Average equity | $186,897,670 | 384 |
| Average total loans | $686,186,000 | 718 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3106% | 5,854 |
| Cost of funding earning assets | 3.1453% | 401 |
| Net interest margin | 2.1653% | 7,820 |
| Noninterest income to average assets | 0.2242% | 6,675 |
| Noninterest expense to average assets | 1.2545% | 8,096 |
| Loan and lease loss provision to assets | 0.0642% | 6,151 |
| Net operating income to assets | 0.7025% | 3,545 |
| Return on assets (ROA) | 0.7015% | 3,740 |
| Pretax return on assets | 0.8808% | 3,791 |
| Return on Equity (ROE) | 7.3666% | 3,440 |
| Retained earnings to average equity (ytd only) | 0.8436% | 5,324 |
| Net charge-offs to loans | 0.0977% | 4,202 |
| Credit loss provision to net charge-offs | 182.3529% | 2,385 |
| Earnings coverage of net charge-offs (x) | 26.8765% | 1,162 |
| Efficiency ratio | 55.7960% | 6,999 |
| Assets per employee ($millions) | 7.5599% | 603 |
| Cash dividends to net income (ytd only)* | 88.5478% | 901 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8851% | 6,810 |
| Loan loss allowance to noncurrent loans | 181.9959% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 6,886 |
| Noncurrent loans to loans | 0.4863% | 6,214 |
| Net loans and leases to total assets | 35.5637% | 7,744 |
| Net loans and leases to deposits | 76.7161% | 5,123 |
| Net loans and leases to core deposits | 95.8596% | 4,986 |
| Total domestic deposits to total assets | 46.3576% | 8,123 |
| Equity capital to assets | 9.6253% | 4,488 |
| Core capital (leverage) ratio | 7.1980% | 7,481 |
| Tier 1 risk-based capital ratio | 14.0744% | 3,540 |
| Total risk-based capital ratio | 14.7119% | 3,812 |
| Memoranda: |
| Average total assets | $1,931,852,000 | 384 |
| Average earning assets | $1,763,269,000 | 382 |
| Average equity | $183,964,500 | 387 |
| Average total loans | $695,871,500 | 710 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5611% | 7,176 |
| Cost of funding earning assets | 3.5442% | 462 |
| Net interest margin | 2.0169% | 8,055 |
| Noninterest income to average assets | 0.2658% | 6,555 |
| Noninterest expense to average assets | 1.1960% | 8,165 |
| Loan and lease loss provision to assets | 0.0746% | 6,468 |
| Net operating income to assets | 0.6667% | 4,037 |
| Return on assets (ROA) | 0.6429% | 3,984 |
| Pretax return on assets | 0.7946% | 4,100 |
| Return on Equity (ROE) | 6.9812% | 3,542 |
| Retained earnings to average equity (ytd only) | 0.9281% | 4,675 |
| Net charge-offs to loans | 0.1226% | 5,017 |
| Credit loss provision to net charge-offs | 172.7273% | 2,959 |
| Earnings coverage of net charge-offs (x) | 20.7936% | 1,559 |
| Efficiency ratio | 55.6279% | 7,069 |
| Assets per employee ($millions) | 7.7135% | 511 |
| Cash dividends to net income (ytd only)* | 86.7052% | 1,429 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8613% | 6,846 |
| Loan loss allowance to noncurrent loans | 239.9521% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 6,927 |
| Noncurrent loans to loans | 0.3589% | 6,291 |
| Net loans and leases to total assets | 35.8497% | 7,836 |
| Net loans and leases to deposits | 78.4534% | 5,276 |
| Net loans and leases to core deposits | 98.4952% | 4,990 |
| Total domestic deposits to total assets | 45.6955% | 8,156 |
| Equity capital to assets | 9.4197% | 4,798 |
| Core capital (leverage) ratio | 7.1895% | 7,531 |
| Tier 1 risk-based capital ratio | 14.2402% | 3,425 |
| Total risk-based capital ratio | 14.8728% | 3,654 |
| Memoranda: |
| Average total assets | $1,883,685,400 | 379 |
| Average earning assets | $1,707,957,400 | 382 |
| Average equity | $173,466,400 | 414 |
| Average total loans | $663,835,600 | 712 |
