Home > Exchange Bank > Performance and Condition Ratios
Exchange Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 4,218 |
| Cost of funding earning assets | 0.8156% | 3,690 |
| Net interest margin | 2.9451% | 3,402 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.5804% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6026% | 3,437 |
| Return on assets (ROA) | 0.6029% | 3,427 |
| Pretax return on assets | 0.8273% | 3,147 |
| Return on Equity (ROE) | 9.0800% | 2,737 |
| Retained earnings to average equity (ytd only) | 5.0720% | 2,584 |
| Net charge-offs to loans | 0.0123% | 2,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 144.2760% | 726 |
| Efficiency ratio | 75.7303% | 1,270 |
| Assets per employee ($millions) | 8.9325% | 1,008 |
| Cash dividends to net income (ytd only)* | 44.1468% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5879% | 175 |
| Loan loss allowance to noncurrent loans | 982.8054% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 2,710 |
| Noncurrent loans to loans | 0.2633% | 2,239 |
| Net loans and leases to total assets | 46.1300% | 3,810 |
| Net loans and leases to deposits | 54.7240% | 3,758 |
| Net loans and leases to core deposits | 57.3396% | 3,861 |
| Total domestic deposits to total assets | 84.2900% | 2,540 |
| Equity capital to assets | 7.5844% | 3,671 |
| Core capital (leverage) ratio | 10.5224% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8438% | 810 |
| Memoranda: | ||
| Average total assets | $3,349,694,800 | 359 |
| Average earning assets | $3,072,441,400 | 353 |
| Average equity | $222,378,800 | 494 |
| Average total loans | $1,554,660,600 | 503 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7084% | 4,205 |
| Cost of funding earning assets | 0.7014% | 3,761 |
| Net interest margin | 3.0070% | 3,327 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.6935% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5347% | 3,695 |
| Return on assets (ROA) | 0.5350% | 3,678 |
| Pretax return on assets | 0.7662% | 3,409 |
| Return on Equity (ROE) | 8.3600% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.1944% | 3,206 |
| Net charge-offs to loans | 0.0116% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 143.3955% | 753 |
| Efficiency ratio | 77.8614% | 1,022 |
| Assets per employee ($millions) | 8.9686% | 948 |
| Cash dividends to net income (ytd only)* | 49.8137% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5973% | 177 |
| Loan loss allowance to noncurrent loans | 918.3556% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 2,671 |
| Noncurrent loans to loans | 0.2828% | 2,225 |
| Net loans and leases to total assets | 46.0800% | 3,825 |
| Net loans and leases to deposits | 53.1167% | 3,833 |
| Net loans and leases to core deposits | 55.4342% | 3,883 |
| Total domestic deposits to total assets | 86.7500% | 1,967 |
| Equity capital to assets | 6.0499% | 3,970 |
| Core capital (leverage) ratio | 10.4348% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9172% | 824 |
| Memoranda: | ||
| Average total assets | $3,345,228,750 | 366 |
| Average earning assets | $3,064,282,250 | 360 |
| Average equity | $214,121,500 | 509 |
| Average total loans | $1,544,656,250 | 508 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 4,180 |
| Cost of funding earning assets | 0.5527% | 3,875 |
| Net interest margin | 3.1112% | 3,198 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.9366% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4237% | 3,959 |
| Return on assets (ROA) | 0.4240% | 3,962 |
| Pretax return on assets | 0.6201% | 3,757 |
| Return on Equity (ROE) | 6.5000% | 3,574 |
| Retained earnings to average equity (ytd only) | 2.4091% | 3,621 |
| Net charge-offs to loans | 0.0038% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 356.8276% | 398 |
| Efficiency ratio | 82.5727% | 679 |
| Assets per employee ($millions) | 8.9516% | 926 |
| Cash dividends to net income (ytd only)* | 62.9609% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7808% | 158 |
| Loan loss allowance to noncurrent loans | 1,510.1053% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 2,871 |
| Noncurrent loans to loans | 0.1841% | 2,551 |
| Net loans and leases to total assets | 45.3100% | 3,832 |
| Net loans and leases to deposits | 53.0569% | 3,791 |
| Net loans and leases to core deposits | 55.0115% | 3,850 |
| Total domestic deposits to total assets | 85.3900% | 2,429 |
| Equity capital to assets | 6.6250% | 3,935 |
| Core capital (leverage) ratio | 10.2993% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8564% | 836 |
| Memoranda: | ||
| Average total assets | $3,339,227,000 | 355 |
| Average earning assets | $3,058,221,333 | 352 |
| Average equity | $217,671,333 | 492 |
| Average total loans | $1,529,172,000 | 499 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 4,182 |
| Cost of funding earning assets | 0.3490% | 4,078 |
| Net interest margin | 3.2272% | 3,050 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.1652% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1008% | 2,223 |
| Return on assets (ROA) | 1.1011% | 2,188 |
| Pretax return on assets | 1.5112% | 1,652 |
| Return on Equity (ROE) | 17.0300% | 1,169 |
| Retained earnings to average equity (ytd only) | 12.9110% | 1,111 |
| Net charge-offs to loans | 0.0203% | 1,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 164.2468% | 581 |
| Efficiency ratio | 58.8996% | 3,084 |
| Assets per employee ($millions) | 9.1102% | 900 |
| Cash dividends to net income (ytd only)* | 24.1836% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8145% | 158 |
| Loan loss allowance to noncurrent loans | 1,483.2587% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 2,861 |
| Noncurrent loans to loans | 0.1897% | 2,525 |
| Net loans and leases to total assets | 44.2300% | 3,854 |
| Net loans and leases to deposits | 50.9350% | 3,848 |
| Net loans and leases to core deposits | 52.3284% | 3,899 |
| Total domestic deposits to total assets | 86.8400% | 2,323 |
| Equity capital to assets | 6.8707% | 3,884 |
| Core capital (leverage) ratio | 10.8424% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5618% | 696 |
| Memoranda: | ||
| Average total assets | $3,348,311,500 | 368 |
| Average earning assets | $3,067,173,000 | 362 |
| Average equity | $216,497,500 | 506 |
| Average total loans | $1,519,913,000 | 514 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1450% | 3,912 |
| Cost of funding earning assets | 0.0645% | 4,524 |
| Net interest margin | 3.0805% | 3,223 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.1192% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0819% | 2,251 |
| Return on assets (ROA) | 1.0820% | 2,195 |
| Pretax return on assets | 1.4459% | 1,629 |
| Return on Equity (ROE) | 15.4000% | 1,162 |
| Retained earnings to average equity (ytd only) | 11.9474% | 677 |
| Net charge-offs to loans | 0.0204% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 162.6071% | 748 |
| Efficiency ratio | 59.4450% | 3,126 |
| Assets per employee ($millions) | 8.9170% | 945 |
| Cash dividends to net income (ytd only)* | 22.4120% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8836% | 133 |
| Loan loss allowance to noncurrent loans | 1,380.4692% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 2,808 |
| Noncurrent loans to loans | 0.2089% | 2,447 |
| Net loans and leases to total assets | 43.9700% | 3,896 |
| Net loans and leases to deposits | 47.8224% | 3,982 |
| Net loans and leases to core deposits | 48.6776% | 4,031 |
| Total domestic deposits to total assets | 91.9400% | 656 |
| Equity capital to assets | 6.0578% | 4,069 |
| Core capital (leverage) ratio | 10.1533% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5368% | 775 |
| Memoranda: | ||
| Average total assets | $3,464,030,200 | 349 |
| Average earning assets | $3,218,209,600 | 338 |
| Average equity | $243,400,800 | 452 |
| Average total loans | $1,507,646,400 | 476 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0338% | 3,824 |
| Cost of funding earning assets | 0.0504% | 4,580 |
| Net interest margin | 2.9834% | 3,261 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.0267% | 3,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0619% | 2,242 |
| Return on assets (ROA) | 1.0619% | 2,206 |
| Pretax return on assets | 1.4660% | 1,510 |
| Return on Equity (ROE) | 14.6300% | 1,251 |
| Retained earnings to average equity (ytd only) | 11.3439% | 957 |
| Net charge-offs to loans | -0.0057% | 3,512 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.0273% | 3,378 |
| Assets per employee ($millions) | 9.2210% | 821 |
| Cash dividends to net income (ytd only)* | 22.4700% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9207% | 144 |
| Loan loss allowance to noncurrent loans | 1,142.9464% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 2,766 |
| Noncurrent loans to loans | 0.2555% | 2,356 |
| Net loans and leases to total assets | 42.5500% | 3,965 |
| Net loans and leases to deposits | 45.6207% | 4,043 |
| Net loans and leases to core deposits | 46.4716% | 4,082 |
| Total domestic deposits to total assets | 93.2700% | 508 |
| Equity capital to assets | 5.5266% | 4,126 |
| Core capital (leverage) ratio | 9.5395% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8012% | 884 |
| Memoranda: | ||
| Average total assets | $3,496,296,500 | 347 |
| Average earning assets | $3,258,736,250 | 337 |
| Average equity | $253,744,750 | 438 |
| Average total loans | $1,507,081,000 | 471 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8980% | 3,790 |
| Cost of funding earning assets | 0.0490% | 4,601 |
| Net interest margin | 2.8489% | 3,290 |
| Noninterest income to average assets | 0.6919% | 1,377 |
| Noninterest expense to average assets | 1.9654% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0105% | 2,112 |
| Return on assets (ROA) | 1.0105% | 2,085 |
| Pretax return on assets | 1.3943% | 1,455 |
| Return on Equity (ROE) | 12.9224% | 1,399 |
| Retained earnings to average equity (ytd only) | 9.9319% | 1,042 |
| Net charge-offs to loans | -0.0030% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4989% | 3,487 |
| Assets per employee ($millions) | 9.3443% | 794 |
| Cash dividends to net income (ytd only)* | 23.1423% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8792% | 161 |
| Loan loss allowance to noncurrent loans | 1,143.3412% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 2,935 |
| Noncurrent loans to loans | 0.2518% | 2,471 |
| Net loans and leases to total assets | 42.5713% | 3,934 |
| Net loans and leases to deposits | 46.1910% | 4,016 |
| Net loans and leases to core deposits | 47.1321% | 4,078 |
| Total domestic deposits to total assets | 92.1637% | 776 |
| Equity capital to assets | 6.7980% | 3,877 |
| Core capital (leverage) ratio | 9.3587% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3676% | 804 |
| Memoranda: | ||
| Average total assets | $3,518,326,667 | 337 |
| Average earning assets | $3,294,654,000 | 333 |
| Average equity | $275,134,667 | 413 |
| Average total loans | $1,508,276,667 | 465 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7387% | 3,867 |
| Cost of funding earning assets | 0.0482% | 4,615 |
| Net interest margin | 2.6905% | 3,427 |
| Noninterest income to average assets | 0.6894% | 1,347 |
| Noninterest expense to average assets | 1.9327% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9335% | 2,140 |
| Return on assets (ROA) | 0.9335% | 2,133 |
| Pretax return on assets | 1.2865% | 1,549 |
| Return on Equity (ROE) | 11.2171% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.4237% | 1,449 |
| Net charge-offs to loans | -0.0221% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0365% | 3,481 |
| Assets per employee ($millions) | 9.6018% | 751 |
| Cash dividends to net income (ytd only)* | 24.9031% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9463% | 166 |
| Loan loss allowance to noncurrent loans | 1,088.4787% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 3,013 |
| Noncurrent loans to loans | 0.2707% | 2,500 |
| Net loans and leases to total assets | 40.8434% | 3,956 |
| Net loans and leases to deposits | 44.7175% | 4,030 |
| Net loans and leases to core deposits | 45.6443% | 4,095 |
| Total domestic deposits to total assets | 91.3366% | 872 |
| Equity capital to assets | 7.6177% | 3,842 |
| Core capital (leverage) ratio | 9.2171% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1801% | 730 |
| Memoranda: | ||
| Average total assets | $3,539,452,500 | 337 |
| Average earning assets | $3,328,127,500 | 333 |
| Average equity | $294,550,500 | 403 |
| Average total loans | $1,500,574,000 | 461 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9850% | 3,899 |
| Cost of funding earning assets | 0.0550% | 4,664 |
| Net interest margin | 2.9299% | 3,374 |
| Noninterest income to average assets | 0.6981% | 1,772 |
| Noninterest expense to average assets | 1.9090% | 3,905 |
| Loan and lease loss provision to assets | 0.0591% | 1,879 |
| Net operating income to assets | 1.0752% | 2,388 |
| Return on assets (ROA) | 1.0752% | 2,461 |
| Pretax return on assets | 1.4927% | 1,751 |
| Return on Equity (ROE) | 11.7187% | 1,909 |
| Retained earnings to average equity (ytd only) | 9.0702% | 1,175 |
| Net charge-offs to loans | -0.0108% | 3,768 |
| Credit loss provision to net charge-offs | -1,123.5955% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1611% | 3,801 |
| Assets per employee ($millions) | 8.9289% | 940 |
| Cash dividends to net income (ytd only)* | 22.6009% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9036% | 164 |
| Loan loss allowance to noncurrent loans | 965.5803% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 3,035 |
| Noncurrent loans to loans | 0.3007% | 2,517 |
| Net loans and leases to total assets | 41.4686% | 4,003 |
| Net loans and leases to deposits | 46.1216% | 4,085 |
| Net loans and leases to core deposits | 47.0701% | 4,137 |
| Total domestic deposits to total assets | 89.9114% | 999 |
| Equity capital to assets | 9.0276% | 3,595 |
| Core capital (leverage) ratio | 9.1543% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4998% | 601 |
| Memoranda: | ||
| Average total assets | $3,386,383,200 | 344 |
| Average earning assets | $3,193,024,000 | 333 |
| Average equity | $310,700,000 | 389 |
| Average total loans | $1,645,372,400 | 427 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0342% | 3,941 |
| Cost of funding earning assets | 0.0565% | 4,749 |
| Net interest margin | 2.9778% | 3,363 |
| Noninterest income to average assets | 0.6731% | 1,917 |
| Noninterest expense to average assets | 1.9350% | 3,848 |
| Loan and lease loss provision to assets | 0.0796% | 1,486 |
| Net operating income to assets | 1.0574% | 2,706 |
| Return on assets (ROA) | 1.0574% | 2,771 |
| Pretax return on assets | 1.4650% | 2,096 |
| Return on Equity (ROE) | 11.4761% | 2,218 |
| Retained earnings to average equity (ytd only) | 8.8093% | 1,764 |
| Net charge-offs to loans | 0.0025% | 2,277 |
| Credit loss provision to net charge-offs | 6,451.6129% | 124 |
| Earnings coverage of net charge-offs (x) | 1,251.5806% | 131 |
| Efficiency ratio | 55.6096% | 3,577 |
| Assets per employee ($millions) | 9.5047% | 770 |
| Cash dividends to net income (ytd only)* | 23.2380% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7408% | 207 |
| Loan loss allowance to noncurrent loans | 642.5858% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 2,838 |
| Noncurrent loans to loans | 0.4265% | 2,283 |
| Net loans and leases to total assets | 43.7963% | 3,967 |
| Net loans and leases to deposits | 48.8211% | 4,081 |
| Net loans and leases to core deposits | 49.8020% | 4,152 |
| Total domestic deposits to total assets | 89.7077% | 914 |
| Equity capital to assets | 8.9389% | 3,887 |
| Core capital (leverage) ratio | 9.1554% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2868% | 773 |
| Memoranda: | ||
| Average total assets | $3,349,020,000 | 345 |
| Average earning assets | $3,156,528,500 | 337 |
| Average equity | $308,574,500 | 393 |
| Average total loans | $1,679,188,750 | 422 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0616% | 3,934 |
| Cost of funding earning assets | 0.0588% | 4,790 |
| Net interest margin | 3.0028% | 3,313 |
| Noninterest income to average assets | 0.6911% | 1,843 |
| Noninterest expense to average assets | 1.9919% | 3,719 |
| Loan and lease loss provision to assets | 0.1217% | 1,040 |
| Net operating income to assets | 1.0169% | 2,837 |
| Return on assets (ROA) | 1.0169% | 2,915 |
| Pretax return on assets | 1.4075% | 2,313 |
| Return on Equity (ROE) | 10.9200% | 2,450 |
| Retained earnings to average equity (ytd only) | 8.2318% | 1,995 |
| Net charge-offs to loans | -0.0142% | 3,825 |
| Credit loss provision to net charge-offs | -1,652.8926% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5713% | 3,466 |
| Assets per employee ($millions) | 9.2311% | 793 |
| Cash dividends to net income (ytd only)* | 24.6170% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6092% | 243 |
| Loan loss allowance to noncurrent loans | 674.9383% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 3,005 |
| Noncurrent loans to loans | 0.3866% | 2,514 |
| Net loans and leases to total assets | 47.5982% | 3,768 |
| Net loans and leases to deposits | 53.1075% | 3,924 |
| Net loans and leases to core deposits | 54.1762% | 4,016 |
| Total domestic deposits to total assets | 89.6262% | 961 |
| Equity capital to assets | 8.9982% | 3,800 |
| Core capital (leverage) ratio | 9.2737% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6778% | 861 |
| Memoranda: | ||
| Average total assets | $3,286,774,333 | 346 |
| Average earning assets | $3,097,654,667 | 338 |
| Average equity | $306,080,000 | 394 |
| Average total loans | $1,708,195,333 | 414 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1640% | 3,749 |
| Cost of funding earning assets | 0.0634% | 4,811 |
| Net interest margin | 3.1006% | 2,986 |
| Noninterest income to average assets | 0.6731% | 1,948 |
| Noninterest expense to average assets | 1.9815% | 3,776 |
| Loan and lease loss provision to assets | 0.1494% | 873 |
| Net operating income to assets | 1.0574% | 2,610 |
| Return on assets (ROA) | 1.0574% | 2,690 |
| Pretax return on assets | 1.4643% | 2,092 |
| Return on Equity (ROE) | 11.1535% | 2,313 |
| Retained earnings to average equity (ytd only) | 8.4524% | 2,105 |
| Net charge-offs to loans | 0.0337% | 1,141 |
| Credit loss provision to net charge-offs | 827.5862% | 466 |
| Earnings coverage of net charge-offs (x) | 89.4000% | 658 |
| Efficiency ratio | 55.1143% | 3,650 |
| Assets per employee ($millions) | 8.7611% | 898 |
| Cash dividends to net income (ytd only)* | 24.2171% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4860% | 266 |
| Loan loss allowance to noncurrent loans | 843.3478% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 3,391 |
| Noncurrent loans to loans | 0.2948% | 3,046 |
| Net loans and leases to total assets | 50.8740% | 3,551 |
| Net loans and leases to deposits | 56.9861% | 3,720 |
| Net loans and leases to core deposits | 58.2795% | 3,814 |
| Total domestic deposits to total assets | 89.2744% | 1,186 |
| Equity capital to assets | 9.2384% | 3,459 |
| Core capital (leverage) ratio | 9.5574% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0865% | 915 |
| Memoranda: | ||
| Average total assets | $3,213,179,000 | 350 |
| Average earning assets | $3,028,146,500 | 341 |
| Average equity | $304,623,000 | 387 |
| Average total loans | $1,723,144,500 | 412 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 3,659 |
| Cost of funding earning assets | 0.1213% | 4,811 |
| Net interest margin | 3.5458% | 2,322 |
| Noninterest income to average assets | 0.7406% | 1,718 |
| Noninterest expense to average assets | 2.3642% | 3,231 |
| Loan and lease loss provision to assets | 0.0620% | 3,597 |
| Net operating income to assets | 1.1605% | 1,685 |
| Return on assets (ROA) | 1.1607% | 1,801 |
| Pretax return on assets | 1.6351% | 992 |
| Return on Equity (ROE) | 11.6453% | 1,431 |
| Retained earnings to average equity (ytd only) | 8.8016% | 820 |
| Net charge-offs to loans | 0.0023% | 3,320 |
| Credit loss provision to net charge-offs | 4,615.3846% | 233 |
| Earnings coverage of net charge-offs (x) | 1,263.2308% | 89 |
| Efficiency ratio | 58.2162% | 3,696 |
| Assets per employee ($millions) | 8.2426% | 953 |
| Cash dividends to net income (ytd only)* | 24.4191% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4118% | 293 |
| Loan loss allowance to noncurrent loans | 981.3472% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 3,607 |
| Noncurrent loans to loans | 0.2458% | 3,314 |
| Net loans and leases to total assets | 53.8289% | 3,501 |
| Net loans and leases to deposits | 60.6681% | 3,710 |
| Net loans and leases to core deposits | 62.1641% | 3,823 |
| Total domestic deposits to total assets | 88.7268% | 1,108 |
| Equity capital to assets | 9.7350% | 3,378 |
| Core capital (leverage) ratio | 9.5243% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9216% | 1,557 |
| Memoranda: | ||
| Average total assets | $2,903,327,600 | 351 |
| Average earning assets | $2,718,909,600 | 343 |
| Average equity | $289,379,600 | 380 |
| Average total loans | $1,711,099,800 | 392 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 3,800 |
| Cost of funding earning assets | 0.1345% | 4,846 |
| Net interest margin | 3.5658% | 2,375 |
| Noninterest income to average assets | 0.7399% | 1,676 |
| Noninterest expense to average assets | 2.4505% | 2,988 |
| Loan and lease loss provision to assets | 0.0422% | 3,827 |
| Net operating income to assets | 1.1457% | 1,833 |
| Return on assets (ROA) | 1.1460% | 1,950 |
| Pretax return on assets | 1.5831% | 1,228 |
| Return on Equity (ROE) | 11.4245% | 1,545 |
| Retained earnings to average equity (ytd only) | 8.5421% | 1,132 |
| Net charge-offs to loans | 0.0284% | 2,264 |
| Credit loss provision to net charge-offs | 247.9339% | 1,932 |
| Earnings coverage of net charge-offs (x) | 95.5565% | 821 |
| Efficiency ratio | 60.1285% | 3,375 |
| Assets per employee ($millions) | 7.8311% | 1,065 |
| Cash dividends to net income (ytd only)* | 25.2299% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2185% | 344 |
| Loan loss allowance to noncurrent loans | 368.1078% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 2,696 |
| Noncurrent loans to loans | 0.6027% | 2,294 |
| Net loans and leases to total assets | 58.6675% | 3,358 |
| Net loans and leases to deposits | 66.3899% | 3,590 |
| Net loans and leases to core deposits | 67.9491% | 3,760 |
| Total domestic deposits to total assets | 88.3680% | 1,027 |
| Equity capital to assets | 9.8102% | 3,416 |
| Core capital (leverage) ratio | 9.5888% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0996% | 1,797 |
| Memoranda: | ||
| Average total assets | $2,846,112,750 | 349 |
| Average earning assets | $2,662,371,500 | 338 |
| Average equity | $285,495,000 | 377 |
| Average total loans | $1,706,952,500 | 393 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7693% | 3,949 |
| Cost of funding earning assets | 0.1512% | 4,875 |
| Net interest margin | 3.6181% | 2,424 |
| Noninterest income to average assets | 0.7627% | 1,542 |
| Noninterest expense to average assets | 2.5096% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1847% | 1,687 |
| Return on assets (ROA) | 1.1851% | 1,815 |
| Pretax return on assets | 1.6386% | 1,131 |
| Return on Equity (ROE) | 11.7206% | 1,415 |
| Retained earnings to average equity (ytd only) | 8.7956% | 1,070 |
| Net charge-offs to loans | 0.0035% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 785.7241% | 119 |
| Efficiency ratio | 60.5061% | 3,341 |
| Assets per employee ($millions) | 7.6468% | 1,106 |
| Cash dividends to net income (ytd only)* | 24.9560% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1733% | 349 |
| Loan loss allowance to noncurrent loans | 350.3294% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 2,793 |
| Noncurrent loans to loans | 0.6204% | 2,307 |
| Net loans and leases to total assets | 59.1286% | 3,416 |
| Net loans and leases to deposits | 66.8913% | 3,652 |
| Net loans and leases to core deposits | 68.4692% | 3,831 |
| Total domestic deposits to total assets | 88.3950% | 990 |
| Equity capital to assets | 9.6245% | 3,546 |
| Core capital (leverage) ratio | 9.9248% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6614% | 1,937 |
| Memoranda: | ||
| Average total assets | $2,781,995,667 | 349 |
| Average earning assets | $2,602,808,333 | 337 |
| Average equity | $281,300,667 | 382 |
| Average total loans | $1,668,258,667 | 398 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,688 |
| Cost of funding earning assets | 0.1792% | 4,929 |
| Net interest margin | 3.8582% | 1,801 |
| Noninterest income to average assets | 0.8834% | 1,100 |
| Noninterest expense to average assets | 2.6794% | 2,758 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2997% | 1,248 |
| Return on assets (ROA) | 1.3004% | 1,339 |
| Pretax return on assets | 1.8060% | 686 |
| Return on Equity (ROE) | 12.5164% | 981 |
| Retained earnings to average equity (ytd only) | 9.5338% | 838 |
| Net charge-offs to loans | -0.0131% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7474% | 3,770 |
| Assets per employee ($millions) | 6.4715% | 1,362 |
| Cash dividends to net income (ytd only)* | 23.8299% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5152% | 240 |
| Loan loss allowance to noncurrent loans | 331.0879% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 2,634 |
| Noncurrent loans to loans | 0.7597% | 2,102 |
| Net loans and leases to total assets | 58.6563% | 3,622 |
| Net loans and leases to deposits | 66.8426% | 3,807 |
| Net loans and leases to core deposits | 68.6361% | 3,955 |
| Total domestic deposits to total assets | 87.7529% | 1,210 |
| Equity capital to assets | 10.6390% | 3,199 |
| Core capital (leverage) ratio | 10.6503% | 2,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0992% | 1,579 |
| Memoranda: | ||
| Average total assets | $2,655,103,500 | 351 |
| Average earning assets | $2,478,136,500 | 344 |
| Average equity | $275,862,000 | 387 |
| Average total loans | $1,584,941,500 | 402 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 3,918 |
| Cost of funding earning assets | 0.1913% | 4,980 |
| Net interest margin | 3.9620% | 1,963 |
| Noninterest income to average assets | 0.9174% | 1,149 |
| Noninterest expense to average assets | 2.6785% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3849% | 1,394 |
| Return on assets (ROA) | 1.3900% | 1,446 |
| Pretax return on assets | 1.9346% | 687 |
| Return on Equity (ROE) | 14.4689% | 800 |
| Retained earnings to average equity (ytd only) | 11.4789% | 282 |
| Net charge-offs to loans | -0.0034% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1450% | 3,941 |
| Assets per employee ($millions) | 6.4488% | 1,312 |
| Cash dividends to net income (ytd only)* | 20.6652% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5239% | 213 |
| Loan loss allowance to noncurrent loans | 1,156.3895% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 3,985 |
| Noncurrent loans to loans | 0.2183% | 3,671 |
| Net loans and leases to total assets | 57.7291% | 3,787 |
| Net loans and leases to deposits | 65.4302% | 3,986 |
| Net loans and leases to core deposits | 67.0044% | 4,132 |
| Total domestic deposits to total assets | 88.2301% | 1,017 |
| Equity capital to assets | 10.1435% | 3,796 |
| Core capital (leverage) ratio | 10.3863% | 3,083 |
| Tier 1 risk-based capital ratio | 14.5262% | 3,004 |
| Total risk-based capital ratio | 15.7870% | 2,908 |
| Memoranda: | ||
| Average total assets | $2,625,983,400 | 342 |
| Average earning assets | $2,445,207,600 | 334 |
| Average equity | $252,272,000 | 389 |
| Average total loans | $1,545,876,000 | 396 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,937 |
| Cost of funding earning assets | 0.1914% | 5,051 |
| Net interest margin | 3.9999% | 1,942 |
| Noninterest income to average assets | 0.9093% | 1,124 |
| Noninterest expense to average assets | 2.6939% | 2,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3918% | 1,498 |
| Return on assets (ROA) | 1.3986% | 1,532 |
| Pretax return on assets | 1.9467% | 777 |
| Return on Equity (ROE) | 14.7691% | 828 |
| Retained earnings to average equity (ytd only) | 11.7691% | 412 |
| Net charge-offs to loans | 0.0244% | 2,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 135.2695% | 586 |
| Efficiency ratio | 58.1593% | 3,913 |
| Assets per employee ($millions) | 6.2840% | 1,401 |
| Cash dividends to net income (ytd only)* | 20.3128% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5064% | 216 |
| Loan loss allowance to noncurrent loans | 1,022.2940% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 3,992 |
| Noncurrent loans to loans | 0.2452% | 3,663 |
| Net loans and leases to total assets | 59.0251% | 3,769 |
| Net loans and leases to deposits | 67.0402% | 3,995 |
| Net loans and leases to core deposits | 68.6226% | 4,129 |
| Total domestic deposits to total assets | 88.0443% | 1,018 |
| Equity capital to assets | 10.0488% | 3,969 |
| Core capital (leverage) ratio | 10.2188% | 3,402 |
| Tier 1 risk-based capital ratio | 14.1398% | 3,261 |
| Total risk-based capital ratio | 15.4004% | 3,159 |
| Memoranda: | ||
| Average total assets | $2,615,025,000 | 345 |
| Average earning assets | $2,433,718,250 | 337 |
| Average equity | $247,637,000 | 397 |
| Average total loans | $1,537,052,750 | 399 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 4,092 |
| Cost of funding earning assets | 0.1859% | 5,105 |
| Net interest margin | 3.9436% | 2,113 |
| Noninterest income to average assets | 0.8713% | 1,150 |
| Noninterest expense to average assets | 2.6411% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3710% | 1,513 |
| Return on assets (ROA) | 1.3812% | 1,540 |
| Pretax return on assets | 1.9181% | 802 |
| Return on Equity (ROE) | 14.8878% | 783 |
| Retained earnings to average equity (ytd only) | 11.8520% | 423 |
| Net charge-offs to loans | -0.0005% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0947% | 3,997 |
| Assets per employee ($millions) | 6.3230% | 1,320 |
| Cash dividends to net income (ytd only)* | 20.3917% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5778% | 201 |
| Loan loss allowance to noncurrent loans | 1,415.4119% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 3,887 |
| Noncurrent loans to loans | 0.1821% | 3,906 |
| Net loans and leases to total assets | 58.6781% | 3,850 |
| Net loans and leases to deposits | 66.4123% | 4,070 |
| Net loans and leases to core deposits | 67.9372% | 4,206 |
| Total domestic deposits to total assets | 88.3542% | 941 |
| Equity capital to assets | 9.8952% | 4,063 |
| Core capital (leverage) ratio | 9.9579% | 3,632 |
| Tier 1 risk-based capital ratio | 14.0693% | 3,282 |
| Total risk-based capital ratio | 15.3307% | 3,197 |
| Memoranda: | ||
| Average total assets | $2,617,409,000 | 347 |
| Average earning assets | $2,439,036,330 | 340 |
| Average equity | $242,829,000 | 403 |
| Average total loans | $1,523,113,000 | 400 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 4,178 |
| Cost of funding earning assets | 0.1732% | 5,170 |
| Net interest margin | 3.9074% | 2,161 |
| Noninterest income to average assets | 0.8440% | 1,179 |
| Noninterest expense to average assets | 2.6017% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3524% | 1,521 |
| Return on assets (ROA) | 1.3728% | 1,484 |
| Pretax return on assets | 1.9147% | 766 |
| Return on Equity (ROE) | 15.2914% | 696 |
| Retained earnings to average equity (ytd only) | 12.2564% | 565 |
| Net charge-offs to loans | 0.0730% | 1,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 45.2138% | 1,080 |
| Efficiency ratio | 57.9364% | 4,085 |
| Assets per employee ($millions) | 6.3755% | 1,302 |
| Cash dividends to net income (ytd only)* | 19.8478% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6233% | 211 |
| Loan loss allowance to noncurrent loans | 1,510.6107% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 3,980 |
| Noncurrent loans to loans | 0.1737% | 3,971 |
| Net loans and leases to total assets | 55.7959% | 4,078 |
| Net loans and leases to deposits | 62.6428% | 4,264 |
| Net loans and leases to core deposits | 64.2321% | 4,368 |
| Total domestic deposits to total assets | 89.0700% | 828 |
| Equity capital to assets | 9.2247% | 4,506 |
| Core capital (leverage) ratio | 9.4807% | 4,152 |
| Tier 1 risk-based capital ratio | 14.2542% | 3,214 |
| Total risk-based capital ratio | 15.5166% | 3,139 |
| Memoranda: | ||
| Average total assets | $2,642,551,000 | 349 |
| Average earning assets | $2,466,200,500 | 340 |
| Average equity | $237,232,000 | 411 |
| Average total loans | $1,511,570,500 | 406 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 4,260 |
| Cost of funding earning assets | 0.1069% | 5,275 |
| Net interest margin | 3.8004% | 2,653 |
| Noninterest income to average assets | 0.9884% | 966 |
| Noninterest expense to average assets | 2.4967% | 3,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4715% | 1,199 |
| Return on assets (ROA) | 1.4655% | 1,209 |
| Pretax return on assets | 2.0358% | 519 |
| Return on Equity (ROE) | 17.8649% | 405 |
| Retained earnings to average equity (ytd only) | 14.8033% | 126 |
| Net charge-offs to loans | 0.0311% | 2,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 114.4883% | 668 |
| Efficiency ratio | 54.9924% | 4,518 |
| Assets per employee ($millions) | 6.3597% | 1,288 |
| Cash dividends to net income (ytd only)* | 17.1380% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6317% | 197 |
| Loan loss allowance to noncurrent loans | 921.9061% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 3,824 |
| Noncurrent loans to loans | 0.2855% | 3,544 |
| Net loans and leases to total assets | 55.6012% | 4,159 |
| Net loans and leases to deposits | 61.9640% | 4,379 |
| Net loans and leases to core deposits | 63.3523% | 4,481 |
| Total domestic deposits to total assets | 89.7316% | 561 |
| Equity capital to assets | 8.7319% | 4,779 |
| Core capital (leverage) ratio | 9.2216% | 4,430 |
| Tier 1 risk-based capital ratio | 13.8774% | 3,344 |
| Total risk-based capital ratio | 15.1400% | 3,266 |
| Memoranda: | ||
| Average total assets | $2,627,778,200 | 347 |
| Average earning assets | $2,455,799,600 | 340 |
| Average equity | $215,567,400 | 427 |
| Average total loans | $1,506,456,000 | 403 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 4,306 |
| Cost of funding earning assets | 0.0902% | 5,372 |
| Net interest margin | 3.7689% | 2,758 |
| Noninterest income to average assets | 1.0225% | 916 |
| Noninterest expense to average assets | 2.4585% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5005% | 1,191 |
| Return on assets (ROA) | 1.5005% | 1,188 |
| Pretax return on assets | 2.0854% | 501 |
| Return on Equity (ROE) | 18.5935% | 374 |
| Retained earnings to average equity (ytd only) | 15.5143% | 160 |
| Net charge-offs to loans | 0.0842% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 43.1640% | 1,290 |
| Efficiency ratio | 54.1053% | 4,606 |
| Assets per employee ($millions) | 6.4546% | 1,210 |
| Cash dividends to net income (ytd only)* | 16.5605% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6300% | 202 |
| Loan loss allowance to noncurrent loans | 756.0100% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 3,939 |
| Noncurrent loans to loans | 0.3479% | 3,402 |
| Net loans and leases to total assets | 55.7636% | 4,237 |
| Net loans and leases to deposits | 61.8345% | 4,450 |
| Net loans and leases to core deposits | 63.3313% | 4,558 |
| Total domestic deposits to total assets | 90.1820% | 448 |
| Equity capital to assets | 8.4362% | 4,967 |
| Core capital (leverage) ratio | 8.9675% | 4,735 |
| Tier 1 risk-based capital ratio | 13.5195% | 3,619 |
| Total risk-based capital ratio | 14.7818% | 3,522 |
| Memoranda: | ||
| Average total assets | $2,621,720,500 | 348 |
| Average earning assets | $2,449,579,250 | 341 |
| Average equity | $211,566,750 | 431 |
| Average total loans | $1,504,469,000 | 399 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7858% | 4,381 |
| Cost of funding earning assets | 0.0769% | 5,448 |
| Net interest margin | 3.7090% | 2,891 |
| Noninterest income to average assets | 1.1043% | 788 |
| Noninterest expense to average assets | 2.4548% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5223% | 1,098 |
| Return on assets (ROA) | 1.5223% | 1,100 |
| Pretax return on assets | 2.1175% | 470 |
| Return on Equity (ROE) | 19.1525% | 321 |
| Retained earnings to average equity (ytd only) | 16.0294% | 158 |
| Net charge-offs to loans | 0.0741% | 1,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 49.7921% | 1,129 |
| Efficiency ratio | 53.6887% | 4,721 |
| Assets per employee ($millions) | 6.5385% | 1,159 |
| Cash dividends to net income (ytd only)* | 16.3062% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6397% | 209 |
| Loan loss allowance to noncurrent loans | 888.4272% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 4,119 |
| Noncurrent loans to loans | 0.2971% | 3,633 |
| Net loans and leases to total assets | 56.0796% | 4,159 |
| Net loans and leases to deposits | 62.0078% | 4,419 |
| Net loans and leases to core deposits | 63.6165% | 4,514 |
| Total domestic deposits to total assets | 90.4395% | 419 |
| Equity capital to assets | 8.1952% | 5,137 |
| Core capital (leverage) ratio | 8.6996% | 4,960 |
| Tier 1 risk-based capital ratio | 12.9338% | 3,926 |
| Total risk-based capital ratio | 14.1961% | 3,844 |
| Memoranda: | ||
| Average total assets | $2,624,261,670 | 348 |
| Average earning assets | $2,453,734,670 | 341 |
| Average equity | $208,579,000 | 435 |
| Average total loans | $1,506,929,670 | 398 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,491 |
| Cost of funding earning assets | 0.0607% | 5,535 |
| Net interest margin | 3.6271% | 3,083 |
| Noninterest income to average assets | 1.3843% | 481 |
| Noninterest expense to average assets | 2.4188% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6891% | 697 |
| Return on assets (ROA) | 1.6891% | 705 |
| Pretax return on assets | 2.3597% | 285 |
| Return on Equity (ROE) | 21.5848% | 173 |
| Retained earnings to average equity (ytd only) | 18.4171% | 141 |
| Net charge-offs to loans | 0.1059% | 1,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 38.8647% | 1,082 |
| Efficiency ratio | 50.6194% | 5,051 |
| Assets per employee ($millions) | 6.8050% | 1,044 |
| Cash dividends to net income (ytd only)* | 14.6757% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6326% | 220 |
| Loan loss allowance to noncurrent loans | 884.6665% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 4,233 |
| Noncurrent loans to loans | 0.2976% | 3,700 |
| Net loans and leases to total assets | 55.2144% | 4,190 |
| Net loans and leases to deposits | 60.8197% | 4,416 |
| Net loans and leases to core deposits | 62.3630% | 4,531 |
| Total domestic deposits to total assets | 90.7837% | 389 |
| Equity capital to assets | 7.7848% | 5,337 |
| Core capital (leverage) ratio | 8.4342% | 5,181 |
| Tier 1 risk-based capital ratio | 12.2037% | 4,432 |
| Total risk-based capital ratio | 13.4654% | 4,321 |
| Memoranda: | ||
| Average total assets | $2,628,694,500 | 352 |
| Average earning assets | $2,459,957,500 | 345 |
| Average equity | $205,700,000 | 443 |
| Average total loans | $1,507,160,000 | 399 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 3,827 |
| Cost of funding earning assets | 0.0666% | 5,583 |
| Net interest margin | 3.8029% | 2,418 |
| Noninterest income to average assets | 1.0586% | 903 |
| Noninterest expense to average assets | 2.6875% | 3,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8501% | 2,952 |
| Return on assets (ROA) | 0.8501% | 2,976 |
| Pretax return on assets | 1.8987% | 604 |
| Return on Equity (ROE) | 9.8059% | 1,975 |
| Retained earnings to average equity (ytd only) | 6.8759% | 1,127 |
| Net charge-offs to loans | -0.1591% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5992% | 4,460 |
| Assets per employee ($millions) | 6.5725% | 1,166 |
| Cash dividends to net income (ytd only)* | 29.8800% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6922% | 198 |
| Loan loss allowance to noncurrent loans | 1,469.4971% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 4,590 |
| Noncurrent loans to loans | 0.1832% | 4,186 |
| Net loans and leases to total assets | 56.4237% | 4,148 |
| Net loans and leases to deposits | 62.1857% | 4,430 |
| Net loans and leases to core deposits | 63.6125% | 4,556 |
| Total domestic deposits to total assets | 90.7341% | 327 |
| Equity capital to assets | 7.8670% | 5,433 |
| Core capital (leverage) ratio | 8.6765% | 4,974 |
| Tier 1 risk-based capital ratio | 11.6553% | 4,750 |
| Total risk-based capital ratio | 12.9172% | 4,630 |
| Memoranda: | ||
| Average total assets | $2,294,738,000 | 368 |
| Average earning assets | $2,128,650,200 | 360 |
| Average equity | $198,940,600 | 438 |
| Average total loans | $1,454,815,000 | 401 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 3,701 |
| Cost of funding earning assets | 0.0652% | 5,649 |
| Net interest margin | 3.8276% | 2,294 |
| Noninterest income to average assets | 1.1438% | 776 |
| Noninterest expense to average assets | 2.7275% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1877% | 1,745 |
| Return on assets (ROA) | 1.1877% | 1,783 |
| Pretax return on assets | 1.9620% | 592 |
| Return on Equity (ROE) | 13.3408% | 971 |
| Retained earnings to average equity (ytd only) | 10.4528% | 499 |
| Net charge-offs to loans | -0.1005% | 5,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1611% | 4,482 |
| Assets per employee ($millions) | 5.8243% | 1,634 |
| Cash dividends to net income (ytd only)* | 21.6475% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6676% | 217 |
| Loan loss allowance to noncurrent loans | 2,202.5915% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 4,836 |
| Noncurrent loans to loans | 0.1211% | 4,575 |
| Net loans and leases to total assets | 63.1233% | 3,537 |
| Net loans and leases to deposits | 70.8653% | 3,890 |
| Net loans and leases to core deposits | 72.6431% | 4,093 |
| Total domestic deposits to total assets | 89.0750% | 848 |
| Equity capital to assets | 9.1205% | 4,807 |
| Core capital (leverage) ratio | 9.3580% | 4,339 |
| Tier 1 risk-based capital ratio | 12.3990% | 4,378 |
| Total risk-based capital ratio | 13.6619% | 4,280 |
| Memoranda: | ||
| Average total assets | $2,222,670,500 | 376 |
| Average earning assets | $2,058,946,250 | 373 |
| Average equity | $197,874,750 | 441 |
| Average total loans | $1,444,081,000 | 404 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 3,719 |
| Cost of funding earning assets | 0.0751% | 5,666 |
| Net interest margin | 3.7744% | 2,388 |
| Noninterest income to average assets | 1.2220% | 693 |
| Noninterest expense to average assets | 2.7524% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1895% | 1,631 |
| Return on assets (ROA) | 1.1895% | 1,665 |
| Pretax return on assets | 1.9657% | 564 |
| Return on Equity (ROE) | 13.4740% | 930 |
| Retained earnings to average equity (ytd only) | 10.5744% | 499 |
| Net charge-offs to loans | -0.1509% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3368% | 4,551 |
| Assets per employee ($millions) | 5.6688% | 1,728 |
| Cash dividends to net income (ytd only)* | 21.5199% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6807% | 228 |
| Loan loss allowance to noncurrent loans | 1,858.9158% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,809 |
| Noncurrent loans to loans | 0.1442% | 4,542 |
| Net loans and leases to total assets | 63.2219% | 3,490 |
| Net loans and leases to deposits | 70.8523% | 3,838 |
| Net loans and leases to core deposits | 72.6356% | 4,045 |
| Total domestic deposits to total assets | 89.2306% | 842 |
| Equity capital to assets | 8.9658% | 4,936 |
| Core capital (leverage) ratio | 9.3147% | 4,352 |
| Tier 1 risk-based capital ratio | 11.8717% | 4,717 |
| Total risk-based capital ratio | 13.1340% | 4,603 |
| Memoranda: | ||
| Average total assets | $2,210,287,330 | 381 |
| Average earning assets | $2,047,327,000 | 377 |
| Average equity | $195,131,000 | 448 |
| Average total loans | $1,436,918,670 | 405 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 3,559 |
| Cost of funding earning assets | 0.0530% | 5,781 |
| Net interest margin | 3.8045% | 2,100 |
| Noninterest income to average assets | 1.2387% | 668 |
| Noninterest expense to average assets | 2.7619% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2098% | 1,486 |
| Return on assets (ROA) | 1.2098% | 1,521 |
| Pretax return on assets | 2.0000% | 503 |
| Return on Equity (ROE) | 13.8143% | 839 |
| Retained earnings to average equity (ytd only) | 10.9590% | 614 |
| Net charge-offs to loans | -0.1105% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9998% | 4,714 |
| Assets per employee ($millions) | 5.6469% | 1,767 |
| Cash dividends to net income (ytd only)* | 20.6694% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6936% | 256 |
| Loan loss allowance to noncurrent loans | 2,228.8450% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 4,952 |
| Noncurrent loans to loans | 0.1209% | 4,706 |
| Net loans and leases to total assets | 62.8333% | 3,420 |
| Net loans and leases to deposits | 70.6140% | 3,733 |
| Net loans and leases to core deposits | 72.3057% | 3,962 |
| Total domestic deposits to total assets | 88.9814% | 1,148 |
| Equity capital to assets | 8.8295% | 4,972 |
| Core capital (leverage) ratio | 9.2690% | 4,385 |
| Tier 1 risk-based capital ratio | 11.8546% | 4,809 |
| Total risk-based capital ratio | 13.1170% | 4,707 |
| Memoranda: | ||
| Average total assets | $2,193,003,000 | 384 |
| Average earning assets | $2,030,844,500 | 378 |
| Average equity | $192,061,500 | 452 |
| Average total loans | $1,426,211,000 | 407 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 3,880 |
| Cost of funding earning assets | 0.0591% | 5,821 |
| Net interest margin | 3.7492% | 2,511 |
| Noninterest income to average assets | 0.9659% | 1,227 |
| Noninterest expense to average assets | 2.8297% | 2,921 |
| Loan and lease loss provision to assets | -0.0428% | 5,569 |
| Net operating income to assets | 1.0229% | 2,247 |
| Return on assets (ROA) | 1.0229% | 2,350 |
| Pretax return on assets | 1.6493% | 1,136 |
| Return on Equity (ROE) | 11.7955% | 1,316 |
| Retained earnings to average equity (ytd only) | 9.1624% | 555 |
| Net charge-offs to loans | -0.0806% | 5,521 |
| Credit loss provision to net charge-offs | 83.4106% | 2,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7866% | 3,977 |
| Assets per employee ($millions) | 5.6868% | 1,703 |
| Cash dividends to net income (ytd only)* | 22.3235% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6641% | 265 |
| Loan loss allowance to noncurrent loans | 1,537.5809% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1394% | 4,753 |
| Noncurrent loans to loans | 0.1733% | 4,543 |
| Net loans and leases to total assets | 63.7579% | 3,387 |
| Net loans and leases to deposits | 71.4557% | 3,764 |
| Net loans and leases to core deposits | 73.2047% | 3,988 |
| Total domestic deposits to total assets | 89.2271% | 994 |
| Equity capital to assets | 8.6854% | 5,117 |
| Core capital (leverage) ratio | 9.2034% | 4,474 |
| Tier 1 risk-based capital ratio | 11.4442% | 5,091 |
| Total risk-based capital ratio | 12.7061% | 4,985 |
| Memoranda: | ||
| Average total assets | $2,102,056,600 | 382 |
| Average earning assets | $1,945,645,000 | 376 |
| Average equity | $182,289,200 | 457 |
| Average total loans | $1,339,039,200 | 406 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 3,968 |
| Cost of funding earning assets | 0.0602% | 5,887 |
| Net interest margin | 3.7245% | 2,621 |
| Noninterest income to average assets | 0.9829% | 1,181 |
| Noninterest expense to average assets | 2.8319% | 2,900 |
| Loan and lease loss provision to assets | -0.0576% | 5,734 |
| Net operating income to assets | 1.0272% | 2,310 |
| Return on assets (ROA) | 1.0272% | 2,433 |
| Pretax return on assets | 1.6559% | 1,231 |
| Return on Equity (ROE) | 11.8504% | 1,375 |
| Retained earnings to average equity (ytd only) | 9.2557% | 744 |
| Net charge-offs to loans | -0.1046% | 5,584 |
| Credit loss provision to net charge-offs | 87.1249% | 2,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9235% | 3,946 |
| Assets per employee ($millions) | 5.5413% | 1,814 |
| Cash dividends to net income (ytd only)* | 21.8955% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7340% | 253 |
| Loan loss allowance to noncurrent loans | 1,314.0533% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 4,788 |
| Noncurrent loans to loans | 0.2081% | 4,524 |
| Net loans and leases to total assets | 63.1434% | 3,502 |
| Net loans and leases to deposits | 71.0398% | 3,883 |
| Net loans and leases to core deposits | 72.7604% | 4,101 |
| Total domestic deposits to total assets | 88.8846% | 970 |
| Equity capital to assets | 8.7551% | 5,359 |
| Core capital (leverage) ratio | 9.2289% | 4,550 |
| Tier 1 risk-based capital ratio | 11.6918% | 4,981 |
| Total risk-based capital ratio | 12.9549% | 4,878 |
| Memoranda: | ||
| Average total assets | $2,083,056,500 | 384 |
| Average earning assets | $1,928,024,500 | 379 |
| Average equity | $180,568,250 | 464 |
| Average total loans | $1,317,126,000 | 411 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8009% | 3,953 |
| Cost of funding earning assets | 0.0615% | 5,966 |
| Net interest margin | 3.7394% | 2,554 |
| Noninterest income to average assets | 0.9574% | 1,222 |
| Noninterest expense to average assets | 2.8402% | 2,874 |
| Loan and lease loss provision to assets | -0.0872% | 5,867 |
| Net operating income to assets | 1.0323% | 2,241 |
| Return on assets (ROA) | 1.0323% | 2,376 |
| Pretax return on assets | 1.6657% | 1,181 |
| Return on Equity (ROE) | 11.9505% | 1,345 |
| Retained earnings to average equity (ytd only) | 9.3554% | 755 |
| Net charge-offs to loans | -0.1430% | 5,728 |
| Credit loss provision to net charge-offs | 97.2973% | 2,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2762% | 3,968 |
| Assets per employee ($millions) | 5.3422% | 1,944 |
| Cash dividends to net income (ytd only)* | 21.7155% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8526% | 238 |
| Loan loss allowance to noncurrent loans | 1,306.2457% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 4,835 |
| Noncurrent loans to loans | 0.2184% | 4,566 |
| Net loans and leases to total assets | 62.3568% | 3,584 |
| Net loans and leases to deposits | 70.2856% | 3,958 |
| Net loans and leases to core deposits | 72.2017% | 4,156 |
| Total domestic deposits to total assets | 88.7191% | 1,056 |
| Equity capital to assets | 8.8646% | 5,341 |
| Core capital (leverage) ratio | 9.2132% | 4,577 |
| Tier 1 risk-based capital ratio | 12.2568% | 4,670 |
| Total risk-based capital ratio | 13.5219% | 4,582 |
| Memoranda: | ||
| Average total assets | $2,064,424,000 | 388 |
| Average earning assets | $1,910,956,000 | 381 |
| Average equity | $178,335,000 | 469 |
| Average total loans | $1,293,310,670 | 417 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 3,989 |
| Cost of funding earning assets | 0.0629% | 6,022 |
| Net interest margin | 3.7246% | 2,575 |
| Noninterest income to average assets | 0.9234% | 1,254 |
| Noninterest expense to average assets | 2.8511% | 2,884 |
| Loan and lease loss provision to assets | -0.0970% | 5,985 |
| Net operating income to assets | 1.0104% | 2,225 |
| Return on assets (ROA) | 1.0104% | 2,343 |
| Pretax return on assets | 1.6243% | 1,239 |
| Return on Equity (ROE) | 11.8522% | 1,356 |
| Retained earnings to average equity (ytd only) | 9.3184% | 1,021 |
| Net charge-offs to loans | -0.1567% | 5,782 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1167% | 3,954 |
| Assets per employee ($millions) | 5.4797% | 1,845 |
| Cash dividends to net income (ytd only)* | 21.3779% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9691% | 230 |
| Loan loss allowance to noncurrent loans | 1,092.4343% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 4,784 |
| Noncurrent loans to loans | 0.2718% | 4,461 |
| Net loans and leases to total assets | 59.8451% | 3,796 |
| Net loans and leases to deposits | 67.1761% | 4,140 |
| Net loans and leases to core deposits | 69.0527% | 4,317 |
| Total domestic deposits to total assets | 89.0868% | 1,060 |
| Equity capital to assets | 8.6464% | 5,461 |
| Core capital (leverage) ratio | 9.0840% | 4,752 |
| Tier 1 risk-based capital ratio | 12.2879% | 4,727 |
| Total risk-based capital ratio | 13.5538% | 4,618 |
| Memoranda: | ||
| Average total assets | $2,062,911,000 | 388 |
| Average earning assets | $1,913,633,500 | 382 |
| Average equity | $175,866,500 | 470 |
| Average total loans | $1,276,441,000 | 413 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 3,886 |
| Cost of funding earning assets | 0.0976% | 5,973 |
| Net interest margin | 3.7506% | 2,552 |
| Noninterest income to average assets | 1.0787% | 1,011 |
| Noninterest expense to average assets | 2.9777% | 2,621 |
| Loan and lease loss provision to assets | -0.1634% | 5,937 |
| Net operating income to assets | 1.0737% | 2,028 |
| Return on assets (ROA) | 1.0737% | 2,101 |
| Pretax return on assets | 1.7370% | 917 |
| Return on Equity (ROE) | 12.4949% | 1,180 |
| Retained earnings to average equity (ytd only) | 10.2536% | 430 |
| Net charge-offs to loans | -0.2735% | 6,002 |
| Credit loss provision to net charge-offs | 94.7306% | 2,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4244% | 3,999 |
| Assets per employee ($millions) | 5.3645% | 1,940 |
| Cash dividends to net income (ytd only)* | 17.9380% | 3,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9584% | 230 |
| Loan loss allowance to noncurrent loans | 886.3636% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 4,655 |
| Noncurrent loans to loans | 0.3338% | 4,265 |
| Net loans and leases to total assets | 60.2392% | 3,800 |
| Net loans and leases to deposits | 67.4778% | 4,176 |
| Net loans and leases to core deposits | 69.4765% | 4,336 |
| Total domestic deposits to total assets | 89.2726% | 982 |
| Equity capital to assets | 8.4036% | 5,626 |
| Core capital (leverage) ratio | 8.9697% | 4,916 |
| Tier 1 risk-based capital ratio | 12.0810% | 4,899 |
| Total risk-based capital ratio | 13.3470% | 4,792 |
| Memoranda: | ||
| Average total assets | $1,958,495,000 | 386 |
| Average earning assets | $1,813,349,400 | 382 |
| Average equity | $168,292,600 | 470 |
| Average total loans | $1,235,098,600 | 406 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 3,844 |
| Cost of funding earning assets | 0.1081% | 6,027 |
| Net interest margin | 3.7645% | 2,510 |
| Noninterest income to average assets | 1.1104% | 979 |
| Noninterest expense to average assets | 2.9978% | 2,536 |
| Loan and lease loss provision to assets | -0.2207% | 6,114 |
| Net operating income to assets | 1.0971% | 2,021 |
| Return on assets (ROA) | 1.0971% | 2,103 |
| Pretax return on assets | 1.8188% | 864 |
| Return on Equity (ROE) | 12.6924% | 1,198 |
| Retained earnings to average equity (ytd only) | 10.5036% | 551 |
| Net charge-offs to loans | -0.3511% | 6,111 |
| Credit loss provision to net charge-offs | 99.2556% | 2,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2285% | 4,027 |
| Assets per employee ($millions) | 5.2269% | 2,034 |
| Cash dividends to net income (ytd only)* | 17.2451% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0190% | 237 |
| Loan loss allowance to noncurrent loans | 740.0707% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 4,630 |
| Noncurrent loans to loans | 0.4079% | 4,147 |
| Net loans and leases to total assets | 60.7756% | 3,763 |
| Net loans and leases to deposits | 68.2195% | 4,174 |
| Net loans and leases to core deposits | 70.2249% | 4,350 |
| Total domestic deposits to total assets | 89.0883% | 984 |
| Equity capital to assets | 8.7281% | 5,561 |
| Core capital (leverage) ratio | 8.9466% | 5,055 |
| Tier 1 risk-based capital ratio | 12.1942% | 4,965 |
| Total risk-based capital ratio | 13.4611% | 4,857 |
| Memoranda: | ||
| Average total assets | $1,933,129,500 | 393 |
| Average earning assets | $1,789,837,250 | 387 |
| Average equity | $167,088,250 | 479 |
| Average total loans | $1,224,190,250 | 412 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 3,597 |
| Cost of funding earning assets | 0.1269% | 6,002 |
| Net interest margin | 3.7981% | 2,320 |
| Noninterest income to average assets | 1.1174% | 967 |
| Noninterest expense to average assets | 3.0642% | 2,353 |
| Loan and lease loss provision to assets | -0.3031% | 6,228 |
| Net operating income to assets | 1.1254% | 1,856 |
| Return on assets (ROA) | 1.1254% | 1,943 |
| Pretax return on assets | 1.8698% | 784 |
| Return on Equity (ROE) | 13.0644% | 1,100 |
| Retained earnings to average equity (ytd only) | 10.8805% | 522 |
| Net charge-offs to loans | -0.4539% | 6,190 |
| Credit loss provision to net charge-offs | 105.0725% | 1,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1687% | 3,975 |
| Assets per employee ($millions) | 5.1492% | 2,096 |
| Cash dividends to net income (ytd only)* | 16.7162% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0908% | 248 |
| Loan loss allowance to noncurrent loans | 566.3194% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 4,417 |
| Noncurrent loans to loans | 0.5458% | 3,817 |
| Net loans and leases to total assets | 60.5897% | 3,743 |
| Net loans and leases to deposits | 68.0243% | 4,133 |
| Net loans and leases to core deposits | 70.0698% | 4,320 |
| Total domestic deposits to total assets | 89.0706% | 1,112 |
| Equity capital to assets | 8.6879% | 5,537 |
| Core capital (leverage) ratio | 9.0352% | 4,912 |
| Tier 1 risk-based capital ratio | 12.4247% | 4,864 |
| Total risk-based capital ratio | 13.6928% | 4,760 |
| Memoranda: | ||
| Average total assets | $1,913,684,000 | 400 |
| Average earning assets | $1,770,306,000 | 390 |
| Average equity | $164,845,330 | 487 |
| Average total loans | $1,216,253,000 | 412 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 3,760 |
| Cost of funding earning assets | 0.1104% | 6,159 |
| Net interest margin | 3.7559% | 2,408 |
| Noninterest income to average assets | 1.1792% | 821 |
| Noninterest expense to average assets | 2.9541% | 2,726 |
| Loan and lease loss provision to assets | -0.0842% | 6,193 |
| Net operating income to assets | 1.0809% | 1,933 |
| Return on assets (ROA) | 1.0809% | 2,049 |
| Pretax return on assets | 1.7839% | 890 |
| Return on Equity (ROE) | 12.6034% | 1,191 |
| Retained earnings to average equity (ytd only) | 10.4995% | 813 |
| Net charge-offs to loans | -0.0897% | 5,813 |
| Credit loss provision to net charge-offs | 146.5201% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4772% | 4,558 |
| Assets per employee ($millions) | 5.0888% | 2,246 |
| Cash dividends to net income (ytd only)* | 16.6926% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0915% | 274 |
| Loan loss allowance to noncurrent loans | 330.4218% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 3,323 |
| Noncurrent loans to loans | 0.9356% | 2,907 |
| Net loans and leases to total assets | 61.3144% | 3,476 |
| Net loans and leases to deposits | 69.3286% | 3,821 |
| Net loans and leases to core deposits | 71.3472% | 4,029 |
| Total domestic deposits to total assets | 88.4403% | 1,577 |
| Equity capital to assets | 8.6425% | 5,620 |
| Core capital (leverage) ratio | 8.8680% | 5,118 |
| Tier 1 risk-based capital ratio | 12.1289% | 5,162 |
| Total risk-based capital ratio | 14.2680% | 4,511 |
| Memoranda: | ||
| Average total assets | $1,899,900,000 | 400 |
| Average earning assets | $1,757,557,000 | 393 |
| Average equity | $162,940,500 | 490 |
| Average total loans | $1,217,524,000 | 411 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,778 |
| Cost of funding earning assets | 0.1515% | 6,092 |
| Net interest margin | 3.8333% | 2,500 |
| Noninterest income to average assets | 1.1779% | 869 |
| Noninterest expense to average assets | 3.1298% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9797% | 2,482 |
| Return on assets (ROA) | 0.9797% | 2,560 |
| Pretax return on assets | 1.5641% | 1,340 |
| Return on Equity (ROE) | 11.3431% | 1,610 |
| Retained earnings to average equity (ytd only) | 9.5540% | 592 |
| Net charge-offs to loans | -0.0606% | 5,993 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6777% | 4,117 |
| Assets per employee ($millions) | 4.9378% | 2,402 |
| Cash dividends to net income (ytd only)* | 15.7725% | 3,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0832% | 273 |
| Loan loss allowance to noncurrent loans | 310.2076% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 3,258 |
| Noncurrent loans to loans | 0.9939% | 2,841 |
| Net loans and leases to total assets | 62.9113% | 3,374 |
| Net loans and leases to deposits | 70.9398% | 3,791 |
| Net loans and leases to core deposits | 73.1403% | 4,012 |
| Total domestic deposits to total assets | 88.6827% | 1,418 |
| Equity capital to assets | 8.5087% | 5,750 |
| Core capital (leverage) ratio | 8.9233% | 5,094 |
| Tier 1 risk-based capital ratio | 11.8029% | 5,490 |
| Total risk-based capital ratio | 13.9413% | 4,839 |
| Memoranda: | ||
| Average total assets | $1,807,485,800 | 400 |
| Average earning assets | $1,657,855,200 | 392 |
| Average equity | $156,112,200 | 487 |
| Average total loans | $1,166,167,000 | 404 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 3,663 |
| Cost of funding earning assets | 0.1441% | 6,224 |
| Net interest margin | 3.8812% | 2,321 |
| Noninterest income to average assets | 1.2228% | 815 |
| Noninterest expense to average assets | 3.1822% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9808% | 2,540 |
| Return on assets (ROA) | 0.9808% | 2,609 |
| Pretax return on assets | 1.5937% | 1,340 |
| Return on Equity (ROE) | 11.3121% | 1,679 |
| Retained earnings to average equity (ytd only) | 9.5742% | 819 |
| Net charge-offs to loans | -0.0725% | 6,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6308% | 4,110 |
| Assets per employee ($millions) | 4.7679% | 2,568 |
| Cash dividends to net income (ytd only)* | 15.3636% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2101% | 289 |
| Loan loss allowance to noncurrent loans | 277.2097% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 3,206 |
| Noncurrent loans to loans | 1.1580% | 2,746 |
| Net loans and leases to total assets | 62.8594% | 3,362 |
| Net loans and leases to deposits | 71.1744% | 3,774 |
| Net loans and leases to core deposits | 73.4549% | 3,998 |
| Total domestic deposits to total assets | 88.3174% | 1,594 |
| Equity capital to assets | 8.8377% | 5,516 |
| Core capital (leverage) ratio | 8.9043% | 5,189 |
| Tier 1 risk-based capital ratio | 11.8704% | 5,575 |
| Total risk-based capital ratio | 14.0356% | 4,896 |
| Memoranda: | ||
| Average total assets | $1,789,028,750 | 402 |
| Average earning assets | $1,637,755,750 | 394 |
| Average equity | $155,121,500 | 487 |
| Average total loans | $1,152,405,500 | 404 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9529% | 3,923 |
| Cost of funding earning assets | 0.1459% | 6,289 |
| Net interest margin | 3.8070% | 2,548 |
| Noninterest income to average assets | 1.2246% | 781 |
| Noninterest expense to average assets | 3.1461% | 2,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9645% | 2,479 |
| Return on assets (ROA) | 0.9645% | 2,568 |
| Pretax return on assets | 1.5564% | 1,373 |
| Return on Equity (ROE) | 11.1958% | 1,668 |
| Retained earnings to average equity (ytd only) | 9.4578% | 846 |
| Net charge-offs to loans | -0.0785% | 6,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9026% | 4,216 |
| Assets per employee ($millions) | 4.6809% | 2,649 |
| Cash dividends to net income (ytd only)* | 15.5241% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1896% | 308 |
| Loan loss allowance to noncurrent loans | 180.1956% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 1.4362% | 2,271 |
| Noncurrent loans to loans | 1.7701% | 1,943 |
| Net loans and leases to total assets | 63.6439% | 3,132 |
| Net loans and leases to deposits | 72.0151% | 3,564 |
| Net loans and leases to core deposits | 74.5426% | 3,781 |
| Total domestic deposits to total assets | 88.3757% | 1,696 |
| Equity capital to assets | 8.7199% | 5,599 |
| Core capital (leverage) ratio | 8.8030% | 5,270 |
| Tier 1 risk-based capital ratio | 11.6005% | 5,742 |
| Total risk-based capital ratio | 13.7670% | 5,140 |
| Memoranda: | ||
| Average total assets | $1,784,618,670 | 399 |
| Average earning assets | $1,630,347,000 | 395 |
| Average equity | $153,735,670 | 489 |
| Average total loans | $1,146,386,330 | 402 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9180% | 4,014 |
| Cost of funding earning assets | 0.1460% | 6,372 |
| Net interest margin | 3.7720% | 2,589 |
| Noninterest income to average assets | 1.1653% | 818 |
| Noninterest expense to average assets | 3.1573% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9104% | 2,608 |
| Return on assets (ROA) | 0.9104% | 2,674 |
| Pretax return on assets | 1.4589% | 1,553 |
| Return on Equity (ROE) | 10.6329% | 1,805 |
| Retained earnings to average equity (ytd only) | 8.7067% | 1,344 |
| Net charge-offs to loans | -0.2142% | 6,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3963% | 4,112 |
| Assets per employee ($millions) | 4.6687% | 2,706 |
| Cash dividends to net income (ytd only)* | 18.1147% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3051% | 324 |
| Loan loss allowance to noncurrent loans | 166.1005% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 1.6291% | 2,166 |
| Noncurrent loans to loans | 1.9898% | 1,879 |
| Net loans and leases to total assets | 61.4398% | 3,322 |
| Net loans and leases to deposits | 69.4443% | 3,668 |
| Net loans and leases to core deposits | 72.1009% | 3,864 |
| Total domestic deposits to total assets | 88.4735% | 1,952 |
| Equity capital to assets | 8.4269% | 5,715 |
| Core capital (leverage) ratio | 8.6242% | 5,499 |
| Tier 1 risk-based capital ratio | 11.6110% | 5,854 |
| Total risk-based capital ratio | 13.8028% | 5,222 |
| Memoranda: | ||
| Average total assets | $1,785,216,500 | 400 |
| Average earning assets | $1,633,188,000 | 394 |
| Average equity | $152,847,000 | 491 |
| Average total loans | $1,133,361,500 | 405 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 4,003 |
| Cost of funding earning assets | 0.2212% | 6,170 |
| Net interest margin | 3.8034% | 2,647 |
| Noninterest income to average assets | 1.4482% | 660 |
| Noninterest expense to average assets | 3.3748% | 1,937 |
| Loan and lease loss provision to assets | 0.1455% | 2,477 |
| Net operating income to assets | 0.9153% | 2,703 |
| Return on assets (ROA) | 0.9153% | 2,792 |
| Pretax return on assets | 1.3936% | 1,798 |
| Return on Equity (ROE) | 10.2422% | 2,015 |
| Retained earnings to average equity (ytd only) | 8.3747% | 936 |
| Net charge-offs to loans | 0.1109% | 3,716 |
| Credit loss provision to net charge-offs | 210.7926% | 1,091 |
| Earnings coverage of net charge-offs (x) | 22.3002% | 1,455 |
| Efficiency ratio | 68.6787% | 4,066 |
| Assets per employee ($millions) | 4.6294% | 2,685 |
| Cash dividends to net income (ytd only)* | 18.2338% | 3,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2680% | 346 |
| Loan loss allowance to noncurrent loans | 124.3806% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 2.0326% | 1,767 |
| Noncurrent loans to loans | 2.6274% | 1,416 |
| Net loans and leases to total assets | 61.3589% | 3,473 |
| Net loans and leases to deposits | 69.3476% | 3,864 |
| Net loans and leases to core deposits | 71.8863% | 4,087 |
| Total domestic deposits to total assets | 88.4803% | 1,913 |
| Equity capital to assets | 8.6972% | 5,370 |
| Core capital (leverage) ratio | 8.9299% | 5,110 |
| Tier 1 risk-based capital ratio | 12.2181% | 5,481 |
| Total risk-based capital ratio | 14.4220% | 4,810 |
| Memoranda: | ||
| Average total assets | $1,718,421,800 | 402 |
| Average earning assets | $1,565,807,600 | 404 |
| Average equity | $153,569,800 | 483 |
| Average total loans | $1,069,147,400 | 408 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 3,881 |
| Cost of funding earning assets | 0.2422% | 6,139 |
| Net interest margin | 3.8233% | 2,561 |
| Noninterest income to average assets | 1.4389% | 713 |
| Noninterest expense to average assets | 3.3796% | 1,872 |
| Loan and lease loss provision to assets | 0.1958% | 1,862 |
| Net operating income to assets | 0.8952% | 2,855 |
| Return on assets (ROA) | 0.8952% | 2,974 |
| Pretax return on assets | 1.3428% | 2,157 |
| Return on Equity (ROE) | 9.9469% | 2,205 |
| Retained earnings to average equity (ytd only) | 8.0941% | 1,371 |
| Net charge-offs to loans | -0.0191% | 6,031 |
| Credit loss provision to net charge-offs | -1,655.6291% | 6,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7161% | 3,956 |
| Assets per employee ($millions) | 4.4794% | 2,915 |
| Cash dividends to net income (ytd only)* | 18.6264% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5311% | 328 |
| Loan loss allowance to noncurrent loans | 107.9887% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 2.6062% | 1,455 |
| Noncurrent loans to loans | 3.2698% | 1,196 |
| Net loans and leases to total assets | 59.7141% | 3,740 |
| Net loans and leases to deposits | 68.2877% | 4,029 |
| Net loans and leases to core deposits | 70.8396% | 4,232 |
| Total domestic deposits to total assets | 87.4448% | 2,442 |
| Equity capital to assets | 8.6054% | 5,618 |
| Core capital (leverage) ratio | 8.9795% | 5,153 |
| Tier 1 risk-based capital ratio | 12.1594% | 5,677 |
| Total risk-based capital ratio | 14.3770% | 4,983 |
| Memoranda: | ||
| Average total assets | $1,702,450,500 | 409 |
| Average earning assets | $1,549,272,750 | 407 |
| Average equity | $153,209,750 | 487 |
| Average total loans | $1,053,796,750 | 413 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 4,033 |
| Cost of funding earning assets | 0.2110% | 6,421 |
| Net interest margin | 3.8087% | 2,523 |
| Noninterest income to average assets | 1.3767% | 827 |
| Noninterest expense to average assets | 3.3006% | 2,071 |
| Loan and lease loss provision to assets | 0.2669% | 1,390 |
| Net operating income to assets | 0.8330% | 3,131 |
| Return on assets (ROA) | 0.8330% | 3,285 |
| Pretax return on assets | 1.2818% | 2,363 |
| Return on Equity (ROE) | 9.1184% | 2,561 |
| Retained earnings to average equity (ytd only) | 7.2955% | 1,748 |
| Net charge-offs to loans | 0.0180% | 4,481 |
| Credit loss provision to net charge-offs | 2,393.6170% | 143 |
| Earnings coverage of net charge-offs (x) | 138.8936% | 357 |
| Efficiency ratio | 68.0642% | 4,172 |
| Assets per employee ($millions) | 4.4194% | 2,943 |
| Cash dividends to net income (ytd only)* | 19.9915% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5611% | 352 |
| Loan loss allowance to noncurrent loans | 105.7275% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 2.7910% | 1,487 |
| Noncurrent loans to loans | 3.3682% | 1,279 |
| Net loans and leases to total assets | 60.6154% | 3,557 |
| Net loans and leases to deposits | 68.8856% | 3,877 |
| Net loans and leases to core deposits | 71.3254% | 4,133 |
| Total domestic deposits to total assets | 87.9943% | 2,246 |
| Equity capital to assets | 8.7251% | 5,512 |
| Core capital (leverage) ratio | 8.9843% | 5,019 |
| Tier 1 risk-based capital ratio | 12.2906% | 5,627 |
| Total risk-based capital ratio | 14.5459% | 4,865 |
| Memoranda: | ||
| Average total assets | $1,686,114,000 | 411 |
| Average earning assets | $1,537,324,670 | 409 |
| Average equity | $154,039,670 | 486 |
| Average total loans | $1,043,679,000 | 413 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 4,002 |
| Cost of funding earning assets | 0.2161% | 6,499 |
| Net interest margin | 3.8121% | 2,400 |
| Noninterest income to average assets | 1.3222% | 883 |
| Noninterest expense to average assets | 3.3086% | 2,066 |
| Loan and lease loss provision to assets | 0.3442% | 958 |
| Net operating income to assets | 0.7617% | 3,371 |
| Return on assets (ROA) | 0.7617% | 3,513 |
| Pretax return on assets | 1.1404% | 2,813 |
| Return on Equity (ROE) | 8.1544% | 2,893 |
| Retained earnings to average equity (ytd only) | 6.2105% | 2,562 |
| Net charge-offs to loans | 0.2010% | 2,214 |
| Credit loss provision to net charge-offs | 278.8462% | 848 |
| Earnings coverage of net charge-offs (x) | 12.0269% | 1,632 |
| Efficiency ratio | 69.0273% | 4,142 |
| Assets per employee ($millions) | 4.3752% | 3,197 |
| Cash dividends to net income (ytd only)* | 23.8392% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5665% | 397 |
| Loan loss allowance to noncurrent loans | 111.5209% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 2.6382% | 1,722 |
| Noncurrent loans to loans | 3.1981% | 1,538 |
| Net loans and leases to total assets | 58.3829% | 3,724 |
| Net loans and leases to deposits | 67.0473% | 3,908 |
| Net loans and leases to core deposits | 69.5441% | 4,133 |
| Total domestic deposits to total assets | 87.0772% | 2,919 |
| Equity capital to assets | 9.3547% | 5,055 |
| Core capital (leverage) ratio | 9.4147% | 4,217 |
| Tier 1 risk-based capital ratio | 13.1035% | 5,144 |
| Total risk-based capital ratio | 15.3865% | 4,362 |
| Memoranda: | ||
| Average total assets | $1,685,074,500 | 416 |
| Average earning assets | $1,534,265,000 | 412 |
| Average equity | $157,411,000 | 479 |
| Average total loans | $1,034,972,500 | 416 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5497% | 3,211 |
| Cost of funding earning assets | 0.2590% | 6,635 |
| Net interest margin | 4.2906% | 1,422 |
| Noninterest income to average assets | 1.2881% | 928 |
| Noninterest expense to average assets | 3.4943% | 1,822 |
| Loan and lease loss provision to assets | 0.5619% | 1,013 |
| Net operating income to assets | 0.7530% | 3,500 |
| Return on assets (ROA) | 0.7530% | 3,743 |
| Pretax return on assets | 1.1293% | 3,056 |
| Return on Equity (ROE) | 7.6158% | 3,280 |
| Retained earnings to average equity (ytd only) | 5.7830% | 2,204 |
| Net charge-offs to loans | 0.5032% | 2,232 |
| Credit loss provision to net charge-offs | 173.6243% | 1,519 |
| Earnings coverage of net charge-offs (x) | 5.2260% | 3,101 |
| Efficiency ratio | 67.3866% | 4,253 |
| Assets per employee ($millions) | 4.3899% | 3,170 |
| Cash dividends to net income (ytd only)* | 24.0662% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4102% | 464 |
| Loan loss allowance to noncurrent loans | 129.9880% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 2.3594% | 2,083 |
| Noncurrent loans to loans | 2.6235% | 2,016 |
| Net loans and leases to total assets | 60.1816% | 3,571 |
| Net loans and leases to deposits | 69.1346% | 3,818 |
| Net loans and leases to core deposits | 71.5867% | 4,092 |
| Total domestic deposits to total assets | 87.0499% | 2,820 |
| Equity capital to assets | 9.3281% | 5,112 |
| Core capital (leverage) ratio | 9.1887% | 4,601 |
| Tier 1 risk-based capital ratio | 12.6785% | 5,340 |
| Total risk-based capital ratio | 14.9453% | 4,556 |
| Memoranda: | ||
| Average total assets | $1,628,515,400 | 419 |
| Average earning assets | $1,479,266,400 | 414 |
| Average equity | $161,007,000 | 466 |
| Average total loans | $1,047,226,400 | 410 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 3,050 |
| Cost of funding earning assets | 0.2681% | 6,738 |
| Net interest margin | 4.3739% | 1,267 |
| Noninterest income to average assets | 1.2991% | 873 |
| Noninterest expense to average assets | 3.5589% | 1,635 |
| Loan and lease loss provision to assets | 0.6063% | 904 |
| Net operating income to assets | 0.7422% | 3,727 |
| Return on assets (ROA) | 0.7422% | 3,979 |
| Pretax return on assets | 1.1048% | 3,340 |
| Return on Equity (ROE) | 7.3986% | 3,584 |
| Retained earnings to average equity (ytd only) | 5.6004% | 2,961 |
| Net charge-offs to loans | 0.3325% | 2,799 |
| Credit loss provision to net charge-offs | 281.2859% | 961 |
| Earnings coverage of net charge-offs (x) | 7.9388% | 2,526 |
| Efficiency ratio | 67.5317% | 4,166 |
| Assets per employee ($millions) | 4.2328% | 3,399 |
| Cash dividends to net income (ytd only)* | 24.3054% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4866% | 474 |
| Loan loss allowance to noncurrent loans | 126.8256% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 2.0979% | 2,539 |
| Noncurrent loans to loans | 2.7491% | 2,062 |
| Net loans and leases to total assets | 61.8216% | 3,417 |
| Net loans and leases to deposits | 71.2523% | 3,713 |
| Net loans and leases to core deposits | 73.6889% | 4,015 |
| Total domestic deposits to total assets | 86.7643% | 2,821 |
| Equity capital to assets | 9.3506% | 5,403 |
| Core capital (leverage) ratio | 8.8834% | 5,213 |
| Tier 1 risk-based capital ratio | 12.1249% | 5,868 |
| Total risk-based capital ratio | 14.4017% | 5,092 |
| Memoranda: | ||
| Average total assets | $1,616,412,000 | 420 |
| Average earning assets | $1,467,482,250 | 416 |
| Average equity | $162,152,250 | 457 |
| Average total loans | $1,047,824,750 | 409 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 3,071 |
| Cost of funding earning assets | 0.2760% | 6,815 |
| Net interest margin | 4.3896% | 1,232 |
| Noninterest income to average assets | 1.2892% | 853 |
| Noninterest expense to average assets | 3.5566% | 1,667 |
| Loan and lease loss provision to assets | 0.6519% | 870 |
| Net operating income to assets | 0.7187% | 3,765 |
| Return on assets (ROA) | 0.7187% | 4,036 |
| Pretax return on assets | 1.0586% | 3,470 |
| Return on Equity (ROE) | 7.0039% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.5857% | 2,937 |
| Net charge-offs to loans | 0.3158% | 2,768 |
| Credit loss provision to net charge-offs | 317.2205% | 932 |
| Earnings coverage of net charge-offs (x) | 8.3233% | 2,316 |
| Efficiency ratio | 67.5240% | 4,231 |
| Assets per employee ($millions) | 4.1076% | 3,650 |
| Cash dividends to net income (ytd only)* | 20.2488% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4116% | 534 |
| Loan loss allowance to noncurrent loans | 105.4286% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 2.5173% | 2,223 |
| Noncurrent loans to loans | 3.2359% | 1,800 |
| Net loans and leases to total assets | 61.5215% | 3,531 |
| Net loans and leases to deposits | 71.6040% | 3,671 |
| Net loans and leases to core deposits | 74.0370% | 4,031 |
| Total domestic deposits to total assets | 85.9191% | 3,394 |
| Equity capital to assets | 10.3085% | 3,926 |
| Core capital (leverage) ratio | 9.9973% | 3,423 |
| Tier 1 risk-based capital ratio | 13.5128% | 4,811 |
| Total risk-based capital ratio | 15.7965% | 4,033 |
| Memoranda: | ||
| Average total assets | $1,610,599,670 | 423 |
| Average earning assets | $1,459,556,670 | 419 |
| Average equity | $165,278,330 | 448 |
| Average total loans | $1,048,246,330 | 407 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 2,508 |
| Cost of funding earning assets | 0.2867% | 6,881 |
| Net interest margin | 4.5478% | 925 |
| Noninterest income to average assets | 1.2979% | 846 |
| Noninterest expense to average assets | 3.6401% | 1,480 |
| Loan and lease loss provision to assets | 0.6864% | 772 |
| Net operating income to assets | 0.7351% | 3,710 |
| Return on assets (ROA) | 0.7351% | 3,945 |
| Pretax return on assets | 1.0845% | 3,384 |
| Return on Equity (ROE) | 7.1795% | 3,669 |
| Retained earnings to average equity (ytd only) | 5.7509% | 3,110 |
| Net charge-offs to loans | 0.2257% | 2,795 |
| Credit loss provision to net charge-offs | 462.1849% | 702 |
| Earnings coverage of net charge-offs (x) | 11.9244% | 1,634 |
| Efficiency ratio | 67.2725% | 4,308 |
| Assets per employee ($millions) | 4.0341% | 3,935 |
| Cash dividends to net income (ytd only)* | 19.8981% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2111% | 677 |
| Loan loss allowance to noncurrent loans | 86.1261% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 2.9086% | 1,989 |
| Noncurrent loans to loans | 3.7284% | 1,662 |
| Net loans and leases to total assets | 62.7095% | 3,121 |
| Net loans and leases to deposits | 72.8478% | 3,290 |
| Net loans and leases to core deposits | 75.4707% | 3,690 |
| Total domestic deposits to total assets | 86.0829% | 3,479 |
| Equity capital to assets | 10.1326% | 3,939 |
| Core capital (leverage) ratio | 9.9950% | 3,370 |
| Tier 1 risk-based capital ratio | 13.1153% | 5,121 |
| Total risk-based capital ratio | 15.3829% | 4,336 |
| Memoranda: | ||
| Average total assets | $1,602,602,500 | 422 |
| Average earning assets | $1,449,394,000 | 420 |
| Average equity | $164,078,500 | 449 |
| Average total loans | $1,054,344,000 | 405 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 2,120 |
| Cost of funding earning assets | 0.3547% | 7,000 |
| Net interest margin | 4.8321% | 584 |
| Noninterest income to average assets | 1.3603% | 699 |
| Noninterest expense to average assets | 3.7019% | 1,535 |
| Loan and lease loss provision to assets | 0.8199% | 1,191 |
| Net operating income to assets | 0.7956% | 3,056 |
| Return on assets (ROA) | 0.7956% | 3,224 |
| Pretax return on assets | 1.1507% | 2,643 |
| Return on Equity (ROE) | 7.5006% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.0569% | 1,987 |
| Net charge-offs to loans | 1.3222% | 1,246 |
| Credit loss provision to net charge-offs | 90.0093% | 4,000 |
| Earnings coverage of net charge-offs (x) | 2.1634% | 4,164 |
| Efficiency ratio | 65.2601% | 4,911 |
| Assets per employee ($millions) | 3.9484% | 3,970 |
| Cash dividends to net income (ytd only)* | 19.2478% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0160% | 800 |
| Loan loss allowance to noncurrent loans | 80.0338% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 3.0756% | 1,949 |
| Noncurrent loans to loans | 3.7684% | 1,665 |
| Net loans and leases to total assets | 64.8081% | 3,023 |
| Net loans and leases to deposits | 75.5802% | 3,244 |
| Net loans and leases to core deposits | 78.7618% | 3,593 |
| Total domestic deposits to total assets | 85.7475% | 3,461 |
| Equity capital to assets | 10.3476% | 3,711 |
| Core capital (leverage) ratio | 9.9800% | 3,363 |
| Tier 1 risk-based capital ratio | 12.9336% | 5,126 |
| Total risk-based capital ratio | 15.1983% | 4,317 |
| Memoranda: | ||
| Average total assets | $1,530,682,800 | 433 |
| Average earning assets | $1,365,978,600 | 435 |
| Average equity | $162,360,600 | 435 |
| Average total loans | $1,054,518,400 | 401 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2539% | 2,011 |
| Cost of funding earning assets | 0.3683% | 7,090 |
| Net interest margin | 4.8856% | 527 |
| Noninterest income to average assets | 1.3881% | 679 |
| Noninterest expense to average assets | 3.7864% | 1,321 |
| Loan and lease loss provision to assets | 0.8117% | 1,146 |
| Net operating income to assets | 0.7901% | 3,218 |
| Return on assets (ROA) | 0.7901% | 3,382 |
| Pretax return on assets | 1.1324% | 2,888 |
| Return on Equity (ROE) | 7.4015% | 3,330 |
| Retained earnings to average equity (ytd only) | 5.9564% | 2,579 |
| Net charge-offs to loans | 1.1401% | 1,385 |
| Credit loss provision to net charge-offs | 102.5385% | 3,248 |
| Earnings coverage of net charge-offs (x) | 2.4559% | 3,899 |
| Efficiency ratio | 66.0756% | 4,704 |
| Assets per employee ($millions) | 3.8769% | 4,126 |
| Cash dividends to net income (ytd only)* | 19.5246% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1180% | 785 |
| Loan loss allowance to noncurrent loans | 78.6677% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 3.3990% | 1,862 |
| Noncurrent loans to loans | 3.9636% | 1,671 |
| Net loans and leases to total assets | 66.8688% | 2,699 |
| Net loans and leases to deposits | 78.1849% | 2,948 |
| Net loans and leases to core deposits | 81.4272% | 3,423 |
| Total domestic deposits to total assets | 85.5265% | 3,474 |
| Equity capital to assets | 10.8176% | 3,335 |
| Core capital (leverage) ratio | 9.8039% | 3,701 |
| Tier 1 risk-based capital ratio | 12.3402% | 5,632 |
| Total risk-based capital ratio | 14.4036% | 4,962 |
| Memoranda: | ||
| Average total assets | $1,519,497,250 | 438 |
| Average earning assets | $1,350,531,250 | 446 |
| Average equity | $162,196,250 | 448 |
| Average total loans | $1,054,959,500 | 404 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 1,835 |
| Cost of funding earning assets | 0.3822% | 7,169 |
| Net interest margin | 4.9335% | 454 |
| Noninterest income to average assets | 1.3830% | 667 |
| Noninterest expense to average assets | 3.7827% | 1,373 |
| Loan and lease loss provision to assets | 0.8283% | 1,098 |
| Net operating income to assets | 0.7943% | 3,107 |
| Return on assets (ROA) | 0.7943% | 3,229 |
| Pretax return on assets | 1.1263% | 2,743 |
| Return on Equity (ROE) | 7.4752% | 3,201 |
| Retained earnings to average equity (ytd only) | 6.0133% | 2,421 |
| Net charge-offs to loans | 1.2579% | 1,235 |
| Credit loss provision to net charge-offs | 94.6539% | 3,316 |
| Earnings coverage of net charge-offs (x) | 2.2335% | 3,717 |
| Efficiency ratio | 65.9321% | 4,886 |
| Assets per employee ($millions) | 3.7980% | 4,198 |
| Cash dividends to net income (ytd only)* | 19.5561% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0840% | 827 |
| Loan loss allowance to noncurrent loans | 78.4267% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 3.5212% | 1,865 |
| Noncurrent loans to loans | 3.9323% | 1,763 |
| Net loans and leases to total assets | 68.3423% | 2,549 |
| Net loans and leases to deposits | 80.0182% | 2,794 |
| Net loans and leases to core deposits | 83.5125% | 3,282 |
| Total domestic deposits to total assets | 85.4085% | 3,671 |
| Equity capital to assets | 10.8625% | 3,112 |
| Core capital (leverage) ratio | 9.7230% | 3,635 |
| Tier 1 risk-based capital ratio | 12.0303% | 5,762 |
| Total risk-based capital ratio | 14.0918% | 5,032 |
| Memoranda: | ||
| Average total assets | $1,509,075,670 | 449 |
| Average earning assets | $1,331,908,000 | 460 |
| Average equity | $160,343,330 | 453 |
| Average total loans | $1,049,829,330 | 414 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 1,986 |
| Cost of funding earning assets | 0.3903% | 7,237 |
| Net interest margin | 4.8771% | 489 |
| Noninterest income to average assets | 1.3778% | 683 |
| Noninterest expense to average assets | 3.6701% | 1,600 |
| Loan and lease loss provision to assets | 0.8611% | 951 |
| Net operating income to assets | 0.7925% | 3,068 |
| Return on assets (ROA) | 0.7925% | 3,137 |
| Pretax return on assets | 1.1435% | 2,593 |
| Return on Equity (ROE) | 7.5425% | 3,133 |
| Retained earnings to average equity (ytd only) | 6.0648% | 2,602 |
| Net charge-offs to loans | 1.8847% | 683 |
| Credit loss provision to net charge-offs | 66.1241% | 3,435 |
| Earnings coverage of net charge-offs (x) | 1.5394% | 3,558 |
| Efficiency ratio | 64.6746% | 5,245 |
| Assets per employee ($millions) | 3.8133% | 4,275 |
| Cash dividends to net income (ytd only)* | 19.5921% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0433% | 877 |
| Loan loss allowance to noncurrent loans | 77.4258% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 3.6558% | 1,855 |
| Noncurrent loans to loans | 3.9305% | 1,863 |
| Net loans and leases to total assets | 66.0802% | 2,984 |
| Net loans and leases to deposits | 77.0573% | 3,240 |
| Net loans and leases to core deposits | 80.5653% | 3,660 |
| Total domestic deposits to total assets | 85.7545% | 3,666 |
| Equity capital to assets | 10.5429% | 3,136 |
| Core capital (leverage) ratio | 9.5487% | 3,728 |
| Tier 1 risk-based capital ratio | 11.8503% | 5,818 |
| Total risk-based capital ratio | 13.9166% | 5,075 |
| Memoranda: | ||
| Average total assets | $1,509,704,500 | 453 |
| Average earning assets | $1,330,129,000 | 466 |
| Average equity | $158,621,500 | 450 |
| Average total loans | $1,043,109,500 | 419 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6766% | 1,654 |
| Cost of funding earning assets | 0.5037% | 7,294 |
| Net interest margin | 5.1729% | 301 |
| Noninterest income to average assets | 1.3420% | 814 |
| Noninterest expense to average assets | 3.7067% | 1,687 |
| Loan and lease loss provision to assets | 1.2843% | 1,201 |
| Net operating income to assets | 0.6755% | 3,319 |
| Return on assets (ROA) | 0.6755% | 3,460 |
| Pretax return on assets | 0.9196% | 3,203 |
| Return on Equity (ROE) | 6.6398% | 3,286 |
| Retained earnings to average equity (ytd only) | 5.5016% | 2,109 |
| Net charge-offs to loans | 1.4103% | 1,579 |
| Credit loss provision to net charge-offs | 128.8234% | 3,100 |
| Earnings coverage of net charge-offs (x) | 2.2106% | 4,070 |
| Efficiency ratio | 62.7135% | 5,576 |
| Assets per employee ($millions) | 3.8114% | 4,225 |
| Cash dividends to net income (ytd only)* | 17.1412% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1511% | 766 |
| Loan loss allowance to noncurrent loans | 92.9419% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 3.5136% | 1,968 |
| Noncurrent loans to loans | 3.3904% | 2,243 |
| Net loans and leases to total assets | 67.8359% | 3,019 |
| Net loans and leases to deposits | 79.2655% | 3,295 |
| Net loans and leases to core deposits | 82.9870% | 3,747 |
| Total domestic deposits to total assets | 85.5806% | 3,562 |
| Equity capital to assets | 10.4703% | 3,186 |
| Core capital (leverage) ratio | 9.2267% | 4,125 |
| Tier 1 risk-based capital ratio | 11.3878% | 6,003 |
| Total risk-based capital ratio | 13.4425% | 5,276 |
| Memoranda: | ||
| Average total assets | $1,518,351,000 | 448 |
| Average earning assets | $1,340,949,800 | 458 |
| Average equity | $154,462,800 | 443 |
| Average total loans | $1,073,288,200 | 418 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7557% | 1,528 |
| Cost of funding earning assets | 0.5318% | 7,396 |
| Net interest margin | 5.2240% | 276 |
| Noninterest income to average assets | 1.3408% | 757 |
| Noninterest expense to average assets | 3.6044% | 1,782 |
| Loan and lease loss provision to assets | 1.3574% | 1,001 |
| Net operating income to assets | 0.7034% | 3,401 |
| Return on assets (ROA) | 0.7034% | 3,555 |
| Pretax return on assets | 0.9832% | 3,242 |
| Return on Equity (ROE) | 6.9643% | 3,361 |
| Retained earnings to average equity (ytd only) | 5.9481% | 2,388 |
| Net charge-offs to loans | 1.2514% | 1,628 |
| Credit loss provision to net charge-offs | 153.1015% | 2,524 |
| Earnings coverage of net charge-offs (x) | 2.6400% | 3,834 |
| Efficiency ratio | 60.6296% | 5,850 |
| Assets per employee ($millions) | 3.8596% | 4,119 |
| Cash dividends to net income (ytd only)* | 14.5916% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2428% | 673 |
| Loan loss allowance to noncurrent loans | 99.5947% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 3.5565% | 2,003 |
| Noncurrent loans to loans | 3.2560% | 2,433 |
| Net loans and leases to total assets | 67.3620% | 3,363 |
| Net loans and leases to deposits | 78.9747% | 3,640 |
| Net loans and leases to core deposits | 82.6777% | 4,135 |
| Total domestic deposits to total assets | 85.2957% | 3,467 |
| Equity capital to assets | 10.4121% | 3,622 |
| Core capital (leverage) ratio | 9.3814% | 4,086 |
| Tier 1 risk-based capital ratio | 11.4794% | 5,957 |
| Total risk-based capital ratio | 13.7224% | 4,982 |
| Memoranda: | ||
| Average total assets | $1,522,514,250 | 447 |
| Average earning assets | $1,341,862,750 | 453 |
| Average equity | $153,770,250 | 441 |
| Average total loans | $1,078,651,750 | 422 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7891% | 1,448 |
| Cost of funding earning assets | 0.5571% | 7,475 |
| Net interest margin | 5.2321% | 271 |
| Noninterest income to average assets | 1.3290% | 719 |
| Noninterest expense to average assets | 3.6378% | 1,688 |
| Loan and lease loss provision to assets | 1.4420% | 929 |
| Net operating income to assets | 0.6414% | 3,669 |
| Return on assets (ROA) | 0.6414% | 3,817 |
| Pretax return on assets | 0.8774% | 3,589 |
| Return on Equity (ROE) | 6.4163% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.6479% | 2,526 |
| Net charge-offs to loans | 0.6200% | 2,676 |
| Credit loss provision to net charge-offs | 326.4095% | 1,120 |
| Earnings coverage of net charge-offs (x) | 5.2501% | 2,714 |
| Efficiency ratio | 61.0664% | 5,840 |
| Assets per employee ($millions) | 3.8316% | 4,150 |
| Cash dividends to net income (ytd only)* | 11.9763% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3586% | 612 |
| Loan loss allowance to noncurrent loans | 86.0923% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 3.6637% | 1,911 |
| Noncurrent loans to loans | 3.9012% | 1,958 |
| Net loans and leases to total assets | 69.2241% | 3,082 |
| Net loans and leases to deposits | 81.1718% | 3,405 |
| Net loans and leases to core deposits | 85.2279% | 3,953 |
| Total domestic deposits to total assets | 85.2811% | 3,476 |
| Equity capital to assets | 10.2245% | 3,738 |
| Core capital (leverage) ratio | 9.3080% | 4,104 |
| Tier 1 risk-based capital ratio | 11.4754% | 5,794 |
| Total risk-based capital ratio | 13.7358% | 4,852 |
| Memoranda: | ||
| Average total assets | $1,525,700,670 | 448 |
| Average earning assets | $1,349,603,330 | 452 |
| Average equity | $152,517,000 | 445 |
| Average total loans | $1,087,097,670 | 421 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8940% | 1,213 |
| Cost of funding earning assets | 0.5942% | 7,547 |
| Net interest margin | 5.2998% | 245 |
| Noninterest income to average assets | 1.2722% | 747 |
| Noninterest expense to average assets | 3.6751% | 1,560 |
| Loan and lease loss provision to assets | 1.5668% | 741 |
| Net operating income to assets | 0.5557% | 4,107 |
| Return on assets (ROA) | 0.5557% | 4,249 |
| Pretax return on assets | 0.7259% | 4,145 |
| Return on Equity (ROE) | 5.6221% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.6221% | 2,807 |
| Net charge-offs to loans | 0.4490% | 2,706 |
| Credit loss provision to net charge-offs | 490.9984% | 865 |
| Earnings coverage of net charge-offs (x) | 7.1849% | 2,122 |
| Efficiency ratio | 61.5822% | 5,901 |
| Assets per employee ($millions) | 3.8682% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0911% | 763 |
| Loan loss allowance to noncurrent loans | 83.3164% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 3.5402% | 1,981 |
| Noncurrent loans to loans | 3.7101% | 2,145 |
| Net loans and leases to total assets | 68.6846% | 3,237 |
| Net loans and leases to deposits | 80.0373% | 3,652 |
| Net loans and leases to core deposits | 85.0586% | 4,041 |
| Total domestic deposits to total assets | 85.8157% | 3,251 |
| Equity capital to assets | 9.9657% | 3,911 |
| Core capital (leverage) ratio | 9.0279% | 4,514 |
| Tier 1 risk-based capital ratio | 10.7669% | 6,375 |
| Total risk-based capital ratio | 12.9856% | 5,407 |
| Memoranda: | ||
| Average total assets | $1,531,815,000 | 456 |
| Average earning assets | $1,357,174,500 | 465 |
| Average equity | $151,403,000 | 452 |
| Average total loans | $1,088,597,000 | 434 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7041% | 3,087 |
| Cost of funding earning assets | 1.1022% | 6,971 |
| Net interest margin | 4.6019% | 983 |
| Noninterest income to average assets | 1.2194% | 1,024 |
| Noninterest expense to average assets | 3.5494% | 2,273 |
| Loan and lease loss provision to assets | 2.5643% | 766 |
| Net operating income to assets | -0.2861% | 5,953 |
| Return on assets (ROA) | -0.2416% | 5,886 |
| Pretax return on assets | -0.6832% | 6,173 |
| Return on Equity (ROE) | -2.6171% | 5,937 |
| Retained earnings to average equity (ytd only) | -4.0547% | 5,874 |
| Net charge-offs to loans | 3.4761% | 559 |
| Credit loss provision to net charge-offs | 104.0636% | 5,312 |
| Earnings coverage of net charge-offs (x) | 0.7351% | 5,363 |
| Efficiency ratio | 66.2089% | 5,354 |
| Assets per employee ($millions) | 3.8296% | 4,210 |
| Cash dividends to net income (ytd only)* | -54.9314% | 7,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6368% | 1,085 |
| Loan loss allowance to noncurrent loans | 59.1836% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 4.1091% | 1,600 |
| Noncurrent loans to loans | 4.4552% | 1,597 |
| Net loans and leases to total assets | 69.3774% | 3,397 |
| Net loans and leases to deposits | 80.7028% | 3,861 |
| Net loans and leases to core deposits | 95.7595% | 4,490 |
| Total domestic deposits to total assets | 85.9666% | 3,037 |
| Equity capital to assets | 9.8020% | 4,001 |
| Core capital (leverage) ratio | 8.4370% | 5,375 |
| Tier 1 risk-based capital ratio | 10.0878% | 6,797 |
| Total risk-based capital ratio | 12.2809% | 5,857 |
| Memoranda: | ||
| Average total assets | $1,598,878,600 | 429 |
| Average earning assets | $1,438,919,800 | 436 |
| Average equity | $147,605,600 | 458 |
| Average total loans | $1,133,433,400 | 431 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7133% | 3,277 |
| Cost of funding earning assets | 1.2020% | 6,879 |
| Net interest margin | 4.5113% | 1,168 |
| Noninterest income to average assets | 1.1838% | 1,115 |
| Noninterest expense to average assets | 3.6682% | 1,891 |
| Loan and lease loss provision to assets | 2.8884% | 528 |
| Net operating income to assets | -0.6408% | 6,559 |
| Return on assets (ROA) | -0.5820% | 6,507 |
| Pretax return on assets | -1.2170% | 6,824 |
| Return on Equity (ROE) | -6.3975% | 6,595 |
| Retained earnings to average equity (ytd only) | -7.7910% | 6,578 |
| Net charge-offs to loans | 4.1492% | 324 |
| Credit loss provision to net charge-offs | 98.3201% | 5,207 |
| Earnings coverage of net charge-offs (x) | 0.5376% | 5,497 |
| Efficiency ratio | 69.9020% | 4,613 |
| Assets per employee ($millions) | 3.9834% | 3,764 |
| Cash dividends to net income (ytd only)* | -21.7811% | 7,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3671% | 1,210 |
| Loan loss allowance to noncurrent loans | 52.1286% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 4.2681% | 1,459 |
| Noncurrent loans to loans | 4.5409% | 1,529 |
| Net loans and leases to total assets | 69.8609% | 3,554 |
| Net loans and leases to deposits | 82.9103% | 3,847 |
| Net loans and leases to core deposits | 100.5701% | 4,313 |
| Total domestic deposits to total assets | 84.2608% | 3,598 |
| Equity capital to assets | 9.3489% | 4,959 |
| Core capital (leverage) ratio | 9.3735% | 4,084 |
| Tier 1 risk-based capital ratio | 10.9115% | 6,038 |
| Total risk-based capital ratio | 13.0601% | 5,088 |
| Memoranda: | ||
| Average total assets | $1,615,640,000 | 440 |
| Average earning assets | $1,455,400,750 | 442 |
| Average equity | $146,969,250 | 467 |
| Average total loans | $1,143,910,000 | 443 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7241% | 3,411 |
| Cost of funding earning assets | 1.2499% | 6,960 |
| Net interest margin | 4.4742% | 1,230 |
| Noninterest income to average assets | 1.1453% | 1,194 |
| Noninterest expense to average assets | 3.5329% | 2,238 |
| Loan and lease loss provision to assets | 3.5560% | 398 |
| Net operating income to assets | -0.9922% | 6,979 |
| Return on assets (ROA) | -0.9648% | 6,952 |
| Pretax return on assets | -1.8653% | 7,236 |
| Return on Equity (ROE) | -10.7011% | 7,087 |
| Retained earnings to average equity (ytd only) | -11.9932% | 7,057 |
| Net charge-offs to loans | 3.9869% | 352 |
| Credit loss provision to net charge-offs | 126.4057% | 3,675 |
| Earnings coverage of net charge-offs (x) | 0.5858% | 5,127 |
| Efficiency ratio | 68.1917% | 5,123 |
| Assets per employee ($millions) | 3.8791% | 3,917 |
| Cash dividends to net income (ytd only)* | -12.0742% | 7,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9168% | 606 |
| Loan loss allowance to noncurrent loans | 55.7451% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 4.4384% | 1,270 |
| Noncurrent loans to loans | 5.2324% | 1,139 |
| Net loans and leases to total assets | 68.7213% | 4,021 |
| Net loans and leases to deposits | 82.2294% | 4,187 |
| Net loans and leases to core deposits | 99.0510% | 4,594 |
| Total domestic deposits to total assets | 83.5727% | 3,976 |
| Equity capital to assets | 8.9390% | 5,402 |
| Core capital (leverage) ratio | 9.0719% | 4,512 |
| Tier 1 risk-based capital ratio | 10.6779% | 6,206 |
| Total risk-based capital ratio | 12.8144% | 5,254 |
| Memoranda: | ||
| Average total assets | $1,631,031,670 | 448 |
| Average earning assets | $1,471,101,000 | 447 |
| Average equity | $147,049,670 | 476 |
| Average total loans | $1,150,871,670 | 455 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6203% | 4,237 |
| Cost of funding earning assets | 1.2367% | 7,213 |
| Net interest margin | 4.3836% | 1,385 |
| Noninterest income to average assets | 1.1026% | 1,226 |
| Noninterest expense to average assets | 3.9843% | 1,204 |
| Loan and lease loss provision to assets | 5.6042% | 137 |
| Net operating income to assets | -2.5414% | 7,774 |
| Return on assets (ROA) | -2.5095% | 7,766 |
| Pretax return on assets | -4.4855% | 7,951 |
| Return on Equity (ROE) | -27.7185% | 7,881 |
| Retained earnings to average equity (ytd only) | -28.7008% | 7,841 |
| Net charge-offs to loans | 4.9143% | 221 |
| Credit loss provision to net charge-offs | 161.8692% | 2,626 |
| Earnings coverage of net charge-offs (x) | 0.3087% | 4,731 |
| Efficiency ratio | 78.8504% | 3,024 |
| Assets per employee ($millions) | 3.9007% | 3,869 |
| Cash dividends to net income (ytd only)* | -3.5440% | 8,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1217% | 435 |
| Loan loss allowance to noncurrent loans | 57.5529% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 4.3231% | 1,137 |
| Noncurrent loans to loans | 5.4241% | 964 |
| Net loans and leases to total assets | 67.4935% | 4,244 |
| Net loans and leases to deposits | 81.1883% | 4,424 |
| Net loans and leases to core deposits | 97.6640% | 4,778 |
| Total domestic deposits to total assets | 83.1321% | 4,077 |
| Equity capital to assets | 8.6319% | 5,869 |
| Core capital (leverage) ratio | 9.0303% | 4,657 |
| Tier 1 risk-based capital ratio | 10.3806% | 6,514 |
| Total risk-based capital ratio | 12.5002% | 5,557 |
| Memoranda: | ||
| Average total assets | $1,641,630,000 | 445 |
| Average earning assets | $1,479,430,000 | 448 |
| Average equity | $148,623,000 | 473 |
| Average total loans | $1,156,538,500 | 456 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1238% | 4,926 |
| Cost of funding earning assets | 1.6917% | 7,275 |
| Net interest margin | 4.4321% | 1,590 |
| Noninterest income to average assets | 1.1829% | 1,091 |
| Noninterest expense to average assets | 3.6684% | 2,012 |
| Loan and lease loss provision to assets | 3.7558% | 189 |
| Net operating income to assets | -1.1371% | 7,315 |
| Return on assets (ROA) | -1.1246% | 7,246 |
| Pretax return on assets | -2.1982% | 7,503 |
| Return on Equity (ROE) | -13.7198% | 7,532 |
| Retained earnings to average equity (ytd only) | -16.2621% | 7,528 |
| Net charge-offs to loans | 4.9303% | 106 |
| Credit loss provision to net charge-offs | 105.6302% | 5,071 |
| Earnings coverage of net charge-offs (x) | 0.4326% | 5,971 |
| Efficiency ratio | 70.4567% | 4,258 |
| Assets per employee ($millions) | 3.8519% | 3,854 |
| Cash dividends to net income (ytd only)* | -18.5301% | 7,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3414% | 803 |
| Loan loss allowance to noncurrent loans | 40.8912% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 4.6350% | 792 |
| Noncurrent loans to loans | 5.7260% | 664 |
| Net loans and leases to total assets | 69.5765% | 4,123 |
| Net loans and leases to deposits | 88.0128% | 3,804 |
| Net loans and leases to core deposits | 102.4119% | 4,566 |
| Total domestic deposits to total assets | 79.0527% | 5,359 |
| Equity capital to assets | 9.4812% | 4,712 |
| Core capital (leverage) ratio | 9.5245% | 3,985 |
| Tier 1 risk-based capital ratio | 11.1337% | 5,612 |
| Total risk-based capital ratio | 13.2452% | 4,714 |
| Memoranda: | ||
| Average total assets | $1,645,439,000 | 428 |
| Average earning assets | $1,493,820,600 | 428 |
| Average equity | $134,878,200 | 520 |
| Average total loans | $1,186,651,400 | 436 |