| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4769% | 1,194 |
| Cost of funding earning assets | 1.3245% | 2,446 |
| Net interest margin | 4.1523% | 1,006 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.5443% | 2,175 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.3240% | 1,383 |
| Return on assets (ROA) | 1.3179% | 1,361 |
| Pretax return on assets | 1.6441% | 1,161 |
| Return on Equity (ROE) | 11.1500% | 2,185 |
| Retained earnings to average equity (ytd only) | 7.2791% | 1,797 |
| Net charge-offs to loans | 0.0041% | 2,590 |
| Credit loss provision to net charge-offs | 2,272.8155% | 207 |
| Earnings coverage of net charge-offs (x) | 548.2136% | 270 |
| Efficiency ratio | 58.4764% | 3,248 |
| Assets per employee ($millions) | 7.0168% | 2,063 |
| Cash dividends to net income (ytd only)* | 34.7327% | 2,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2214% | 2,166 |
| Loan loss allowance to noncurrent loans | 357.8058% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 1,693 |
| Noncurrent loans to loans | 0.3414% | 1,960 |
| Net loans and leases to total assets | 77.0100% | 973 |
| Net loans and leases to deposits | 95.2127% | 849 |
| Net loans and leases to core deposits | 105.0116% | 1,167 |
| Total domestic deposits to total assets | 80.8800% | 3,326 |
| Equity capital to assets | 12.2868% | 1,041 |
| Core capital (leverage) ratio | 10.9820% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2345% | 1,786 |
| Memoranda: |
| Average total assets | $3,276,924,800 | 365 |
| Average earning assets | $2,988,260,600 | 361 |
| Average equity | $387,229,800 | 323 |
| Average total loans | $2,512,114,000 | 346 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3823% | 1,160 |
| Cost of funding earning assets | 1.1774% | 2,499 |
| Net interest margin | 4.2049% | 918 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.5597% | 2,055 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3573% | 1,407 |
| Return on assets (ROA) | 1.3492% | 1,405 |
| Pretax return on assets | 1.6915% | 1,176 |
| Return on Equity (ROE) | 11.5300% | 2,243 |
| Retained earnings to average equity (ytd only) | 6.3027% | 2,535 |
| Net charge-offs to loans | -0.0079% | 3,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.9661% | 3,209 |
| Assets per employee ($millions) | 6.8526% | 2,068 |
| Cash dividends to net income (ytd only)* | 45.3556% | 1,447 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2112% | 2,303 |
| Loan loss allowance to noncurrent loans | 260.4653% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 1,544 |
| Noncurrent loans to loans | 0.4650% | 1,659 |
| Net loans and leases to total assets | 76.6900% | 1,034 |
| Net loans and leases to deposits | 97.2568% | 660 |
| Net loans and leases to core deposits | 105.7217% | 1,029 |
| Total domestic deposits to total assets | 78.8600% | 3,717 |
| Equity capital to assets | 11.5474% | 1,167 |
| Core capital (leverage) ratio | 10.7077% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7325% | 1,992 |
| Memoranda: |
| Average total assets | $3,268,177,250 | 370 |
| Average earning assets | $2,979,165,000 | 364 |
| Average equity | $382,305,000 | 328 |
| Average total loans | $2,494,642,750 | 350 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2708% | 1,118 |
| Cost of funding earning assets | 0.9832% | 2,657 |
| Net interest margin | 4.2876% | 823 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.5495% | 2,074 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4006% | 1,330 |
| Return on assets (ROA) | 1.3884% | 1,341 |
| Pretax return on assets | 1.7405% | 1,131 |
| Return on Equity (ROE) | 11.8200% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.2017% | 1,629 |
| Net charge-offs to loans | -0.0012% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.9481% | 3,310 |
| Assets per employee ($millions) | 6.7262% | 2,124 |
| Cash dividends to net income (ytd only)* | 22.1327% | 2,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2200% | 2,351 |
| Loan loss allowance to noncurrent loans | 251.2217% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 1,413 |
| Noncurrent loans to loans | 0.4856% | 1,502 |
| Net loans and leases to total assets | 75.5700% | 1,097 |
| Net loans and leases to deposits | 97.0311% | 669 |
| Net loans and leases to core deposits | 104.4309% | 1,036 |
| Total domestic deposits to total assets | 77.8900% | 3,860 |
| Equity capital to assets | 11.8636% | 1,087 |
| Core capital (leverage) ratio | 10.7780% | 2,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0717% | 1,865 |
| Memoranda: |
| Average total assets | $3,254,305,667 | 362 |
| Average earning assets | $2,966,766,333 | 359 |
| Average equity | $382,341,333 | 316 |
| Average total loans | $2,469,670,000 | 338 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1540% | 1,014 |
| Cost of funding earning assets | 0.7666% | 2,852 |
| Net interest margin | 4.3874% | 702 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.5476% | 2,113 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.5124% | 1,161 |
| Return on assets (ROA) | 1.4878% | 1,190 |
| Pretax return on assets | 1.8613% | 966 |
| Return on Equity (ROE) | 12.7300% | 2,040 |
| Retained earnings to average equity (ytd only) | 12.7263% | 1,137 |
| Net charge-offs to loans | -0.0008% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.8997% | 3,516 |
| Assets per employee ($millions) | 6.7764% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2209% | 2,442 |
| Loan loss allowance to noncurrent loans | 268.1446% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 1,480 |
| Noncurrent loans to loans | 0.4553% | 1,581 |
| Net loans and leases to total assets | 74.7600% | 1,108 |
| Net loans and leases to deposits | 95.0400% | 717 |
| Net loans and leases to core deposits | 100.2003% | 1,078 |
| Total domestic deposits to total assets | 78.6600% | 3,928 |
| Equity capital to assets | 11.8946% | 1,030 |
| Core capital (leverage) ratio | 10.6861% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9961% | 1,976 |
| Memoranda: |
| Average total assets | $3,240,259,000 | 376 |
| Average earning assets | $2,958,109,500 | 372 |
| Average equity | $378,806,500 | 329 |
| Average total loans | $2,448,856,500 | 348 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2809% | 1,085 |
| Cost of funding earning assets | 0.2109% | 3,668 |
| Net interest margin | 4.0700% | 701 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.5499% | 1,970 |
| Loan and lease loss provision to assets | 0.2300% | 422 |
| Net operating income to assets | 1.1144% | 2,104 |
| Return on assets (ROA) | 1.1144% | 2,042 |
| Pretax return on assets | 1.3911% | 1,794 |
| Return on Equity (ROE) | 10.1600% | 2,759 |
| Retained earnings to average equity (ytd only) | -11.0967% | 4,643 |
| Net charge-offs to loans | 0.0316% | 1,437 |
| Credit loss provision to net charge-offs | 1,079.1066% | 405 |
| Earnings coverage of net charge-offs (x) | 74.9135% | 1,122 |
| Efficiency ratio | 59.8745% | 3,077 |
| Assets per employee ($millions) | 6.7105% | 2,178 |
| Cash dividends to net income (ytd only)* | 209.1835% | 36 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2053% | 2,362 |
| Loan loss allowance to noncurrent loans | 278.6400% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 1,490 |
| Noncurrent loans to loans | 0.4326% | 1,627 |
| Net loans and leases to total assets | 74.5600% | 1,173 |
| Net loans and leases to deposits | 90.9220% | 988 |
| Net loans and leases to core deposits | 94.8131% | 1,259 |
| Total domestic deposits to total assets | 82.0000% | 3,631 |
| Equity capital to assets | 11.4842% | 1,090 |
| Core capital (leverage) ratio | 10.4343% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6287% | 2,112 |
| Memoranda: |
| Average total assets | $3,198,986,000 | 374 |
| Average earning assets | $2,941,656,600 | 369 |
| Average equity | $350,780,400 | 342 |
| Average total loans | $2,192,749,600 | 352 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0497% | 1,161 |
| Cost of funding earning assets | 0.1699% | 3,631 |
| Net interest margin | 3.8798% | 831 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.5243% | 1,944 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 1.0077% | 2,454 |
| Return on assets (ROA) | 1.0077% | 2,418 |
| Pretax return on assets | 1.2570% | 2,185 |
| Return on Equity (ROE) | 9.3000% | 2,935 |
| Retained earnings to average equity (ytd only) | -19.4370% | 4,728 |
| Net charge-offs to loans | 0.0409% | 1,082 |
| Credit loss provision to net charge-offs | 840.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 54.3664% | 1,238 |
| Efficiency ratio | 61.7258% | 2,860 |
| Assets per employee ($millions) | 6.5170% | 2,305 |
| Cash dividends to net income (ytd only)* | 308.9824% | 22 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1874% | 2,597 |
| Loan loss allowance to noncurrent loans | 160.1065% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 966 |
| Noncurrent loans to loans | 0.7416% | 1,092 |
| Net loans and leases to total assets | 72.0100% | 1,300 |
| Net loans and leases to deposits | 82.7426% | 1,383 |
| Net loans and leases to core deposits | 86.0741% | 1,518 |
| Total domestic deposits to total assets | 87.0300% | 2,749 |
| Equity capital to assets | 11.2168% | 1,092 |
| Core capital (leverage) ratio | 9.7615% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6501% | 2,199 |
| Memoranda: |
| Average total assets | $3,193,469,750 | 372 |
| Average earning assets | $2,941,241,000 | 368 |
| Average equity | $345,997,750 | 350 |
| Average total loans | $2,133,225,000 | 358 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7198% | 1,492 |
| Cost of funding earning assets | 0.1566% | 3,495 |
| Net interest margin | 3.5632% | 1,151 |
| Noninterest income to average assets | 0.4377% | 2,523 |
| Noninterest expense to average assets | 2.4821% | 1,987 |
| Loan and lease loss provision to assets | 0.2375% | 315 |
| Net operating income to assets | 0.8116% | 2,914 |
| Return on assets (ROA) | 0.8116% | 2,885 |
| Pretax return on assets | 1.0106% | 2,691 |
| Return on Equity (ROE) | 7.5785% | 3,143 |
| Retained earnings to average equity (ytd only) | -35.8866% | 4,751 |
| Net charge-offs to loans | 0.0279% | 1,163 |
| Credit loss provision to net charge-offs | 1,312.4138% | 335 |
| Earnings coverage of net charge-offs (x) | 68.9552% | 1,011 |
| Efficiency ratio | 65.3593% | 2,600 |
| Assets per employee ($millions) | 6.8339% | 2,047 |
| Cash dividends to net income (ytd only)* | 573.5292% | 12 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1689% | 2,858 |
| Loan loss allowance to noncurrent loans | 140.6106% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 1,016 |
| Noncurrent loans to loans | 0.8313% | 1,029 |
| Net loans and leases to total assets | 65.5678% | 1,749 |
| Net loans and leases to deposits | 74.8919% | 1,766 |
| Net loans and leases to core deposits | 77.9536% | 1,853 |
| Total domestic deposits to total assets | 87.5498% | 2,746 |
| Equity capital to assets | 10.7910% | 1,317 |
| Core capital (leverage) ratio | 9.3049% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7365% | 2,186 |
| Memoranda: |
| Average total assets | $3,204,382,000 | 366 |
| Average earning assets | $2,960,954,667 | 362 |
| Average equity | $343,153,000 | 354 |
| Average total loans | $2,076,484,000 | 356 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3897% | 2,119 |
| Cost of funding earning assets | 0.1456% | 3,559 |
| Net interest margin | 3.2441% | 1,742 |
| Noninterest income to average assets | 0.4192% | 2,563 |
| Noninterest expense to average assets | 2.3119% | 2,455 |
| Loan and lease loss provision to assets | 0.4110% | 126 |
| Net operating income to assets | 0.5672% | 3,501 |
| Return on assets (ROA) | 0.5672% | 3,478 |
| Pretax return on assets | 0.7015% | 3,390 |
| Return on Equity (ROE) | 5.3187% | 3,537 |
| Retained earnings to average equity (ytd only) | -84.0773% | 4,788 |
| Net charge-offs to loans | -0.0298% | 4,082 |
| Credit loss provision to net charge-offs | -2,157.7181% | 3,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5721% | 2,694 |
| Assets per employee ($millions) | 6.8429% | 2,107 |
| Cash dividends to net income (ytd only)* | 1,680.7753% | 7 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2363% | 2,669 |
| Loan loss allowance to noncurrent loans | 126.5493% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 861 |
| Noncurrent loans to loans | 0.9769% | 929 |
| Net loans and leases to total assets | 64.2109% | 1,598 |
| Net loans and leases to deposits | 72.3863% | 1,750 |
| Net loans and leases to core deposits | 75.5329% | 1,807 |
| Total domestic deposits to total assets | 88.7059% | 2,206 |
| Equity capital to assets | 9.7393% | 2,095 |
| Core capital (leverage) ratio | 8.6662% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2825% | 2,829 |
| Memoranda: |
| Average total assets | $3,128,859,500 | 378 |
| Average earning assets | $2,898,463,000 | 374 |
| Average equity | $333,688,000 | 371 |
| Average total loans | $2,001,676,500 | 364 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2183% | 965 |
| Cost of funding earning assets | 0.2333% | 3,099 |
| Net interest margin | 3.9849% | 735 |
| Noninterest income to average assets | 0.5910% | 2,200 |
| Noninterest expense to average assets | 2.4301% | 2,396 |
| Loan and lease loss provision to assets | -0.3698% | 4,798 |
| Net operating income to assets | 1.7749% | 538 |
| Return on assets (ROA) | 1.7749% | 562 |
| Pretax return on assets | 2.2065% | 404 |
| Return on Equity (ROE) | 14.8728% | 980 |
| Retained earnings to average equity (ytd only) | 10.2981% | 846 |
| Net charge-offs to loans | 0.0891% | 921 |
| Credit loss provision to net charge-offs | -593.1699% | 3,791 |
| Earnings coverage of net charge-offs (x) | 29.4583% | 1,615 |
| Efficiency ratio | 55.9619% | 3,709 |
| Assets per employee ($millions) | 6.6337% | 2,209 |
| Cash dividends to net income (ytd only)* | 30.7591% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1454% | 3,146 |
| Loan loss allowance to noncurrent loans | 158.8625% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 1,355 |
| Noncurrent loans to loans | 0.7210% | 1,410 |
| Net loans and leases to total assets | 62.0757% | 1,932 |
| Net loans and leases to deposits | 71.6599% | 1,946 |
| Net loans and leases to core deposits | 74.6498% | 2,023 |
| Total domestic deposits to total assets | 86.6255% | 2,656 |
| Equity capital to assets | 11.7146% | 1,384 |
| Core capital (leverage) ratio | 9.7718% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8540% | 1,568 |
| Memoranda: |
| Average total assets | $2,747,484,800 | 402 |
| Average earning assets | $2,534,271,000 | 400 |
| Average equity | $327,886,600 | 371 |
| Average total loans | $1,923,354,800 | 373 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3522% | 877 |
| Cost of funding earning assets | 0.2562% | 3,058 |
| Net interest margin | 4.0960% | 663 |
| Noninterest income to average assets | 0.6293% | 2,102 |
| Noninterest expense to average assets | 2.4104% | 2,407 |
| Loan and lease loss provision to assets | -0.3708% | 4,853 |
| Net operating income to assets | 1.9000% | 559 |
| Return on assets (ROA) | 1.9000% | 580 |
| Pretax return on assets | 2.3576% | 420 |
| Return on Equity (ROE) | 15.8418% | 983 |
| Retained earnings to average equity (ytd only) | 9.6688% | 1,421 |
| Net charge-offs to loans | 0.0892% | 806 |
| Credit loss provision to net charge-offs | -577.4789% | 3,693 |
| Earnings coverage of net charge-offs (x) | 30.9400% | 1,509 |
| Efficiency ratio | 53.8254% | 3,836 |
| Assets per employee ($millions) | 6.3103% | 2,414 |
| Cash dividends to net income (ytd only)* | 38.9661% | 1,667 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2854% | 2,568 |
| Loan loss allowance to noncurrent loans | 166.5333% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 1,366 |
| Noncurrent loans to loans | 0.7719% | 1,465 |
| Net loans and leases to total assets | 67.2509% | 1,401 |
| Net loans and leases to deposits | 78.1761% | 1,468 |
| Net loans and leases to core deposits | 81.7462% | 1,590 |
| Total domestic deposits to total assets | 86.0249% | 2,740 |
| Equity capital to assets | 12.1202% | 1,346 |
| Core capital (leverage) ratio | 10.0450% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6041% | 1,759 |
| Memoranda: |
| Average total assets | $2,701,336,750 | 408 |
| Average earning assets | $2,484,933,500 | 407 |
| Average equity | $323,988,000 | 375 |
| Average total loans | $1,943,894,250 | 376 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2734% | 1,047 |
| Cost of funding earning assets | 0.2827% | 2,947 |
| Net interest margin | 3.9907% | 840 |
| Noninterest income to average assets | 0.5512% | 2,399 |
| Noninterest expense to average assets | 2.4208% | 2,396 |
| Loan and lease loss provision to assets | -0.3823% | 4,873 |
| Net operating income to assets | 1.7450% | 806 |
| Return on assets (ROA) | 1.7450% | 854 |
| Pretax return on assets | 2.1812% | 598 |
| Return on Equity (ROE) | 14.6019% | 1,260 |
| Retained earnings to average equity (ytd only) | 11.4825% | 1,020 |
| Net charge-offs to loans | 0.1168% | 665 |
| Credit loss provision to net charge-offs | -446.6899% | 3,435 |
| Earnings coverage of net charge-offs (x) | 21.0174% | 1,515 |
| Efficiency ratio | 56.3218% | 3,503 |
| Assets per employee ($millions) | 6.3428% | 2,294 |
| Cash dividends to net income (ytd only)* | 21.3630% | 2,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3883% | 2,029 |
| Loan loss allowance to noncurrent loans | 190.9488% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 1,522 |
| Noncurrent loans to loans | 0.7271% | 1,632 |
| Net loans and leases to total assets | 68.7011% | 1,362 |
| Net loans and leases to deposits | 79.8303% | 1,442 |
| Net loans and leases to core deposits | 83.4272% | 1,608 |
| Total domestic deposits to total assets | 86.0589% | 2,720 |
| Equity capital to assets | 11.9732% | 1,374 |
| Core capital (leverage) ratio | 9.8898% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0699% | 1,607 |
| Memoranda: |
| Average total assets | $2,682,585,667 | 408 |
| Average earning assets | $2,465,994,333 | 407 |
| Average equity | $320,575,333 | 374 |
| Average total loans | $1,965,641,667 | 370 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4376% | 859 |
| Cost of funding earning assets | 0.3021% | 2,972 |
| Net interest margin | 4.1355% | 681 |
| Noninterest income to average assets | 0.6269% | 2,100 |
| Noninterest expense to average assets | 2.4207% | 2,431 |
| Loan and lease loss provision to assets | -0.2576% | 4,840 |
| Net operating income to assets | 1.8099% | 774 |
| Return on assets (ROA) | 1.8099% | 825 |
| Pretax return on assets | 2.2598% | 626 |
| Return on Equity (ROE) | 15.1607% | 1,182 |
| Retained earnings to average equity (ytd only) | 8.8253% | 2,012 |
| Net charge-offs to loans | 0.2550% | 335 |
| Credit loss provision to net charge-offs | -134.4120% | 2,878 |
| Earnings coverage of net charge-offs (x) | 10.4467% | 1,499 |
| Efficiency ratio | 53.7057% | 3,819 |
| Assets per employee ($millions) | 6.0586% | 2,542 |
| Cash dividends to net income (ytd only)* | 41.7885% | 1,335 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5109% | 1,567 |
| Loan loss allowance to noncurrent loans | 191.1234% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6392% | 1,485 |
| Noncurrent loans to loans | 0.7905% | 1,669 |
| Net loans and leases to total assets | 72.3567% | 972 |
| Net loans and leases to deposits | 83.7397% | 1,181 |
| Net loans and leases to core deposits | 87.4197% | 1,420 |
| Total domestic deposits to total assets | 86.4067% | 2,572 |
| Equity capital to assets | 11.7645% | 1,405 |
| Core capital (leverage) ratio | 9.8930% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3672% | 1,786 |
| Memoranda: |
| Average total assets | $2,644,312,500 | 410 |
| Average earning assets | $2,427,280,000 | 409 |
| Average equity | $315,685,000 | 374 |
| Average total loans | $1,987,342,500 | 369 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6680% | 952 |
| Cost of funding earning assets | 0.5343% | 2,720 |
| Net interest margin | 4.1337% | 734 |
| Noninterest income to average assets | 0.5802% | 2,305 |
| Noninterest expense to average assets | 2.5603% | 2,670 |
| Loan and lease loss provision to assets | 0.5203% | 450 |
| Net operating income to assets | 1.0199% | 2,217 |
| Return on assets (ROA) | 1.0199% | 2,356 |
| Pretax return on assets | 1.2688% | 2,086 |
| Return on Equity (ROE) | 8.1855% | 2,745 |
| Retained earnings to average equity (ytd only) | 2.2145% | 3,743 |
| Net charge-offs to loans | 0.1203% | 1,289 |
| Credit loss provision to net charge-offs | 561.6946% | 1,162 |
| Earnings coverage of net charge-offs (x) | 19.3155% | 1,986 |
| Efficiency ratio | 57.5871% | 3,780 |
| Assets per employee ($millions) | 5.7097% | 2,615 |
| Cash dividends to net income (ytd only)* | 72.9459% | 855 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6568% | 1,144 |
| Loan loss allowance to noncurrent loans | 176.4709% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 1,328 |
| Noncurrent loans to loans | 0.9389% | 1,501 |
| Net loans and leases to total assets | 75.6451% | 828 |
| Net loans and leases to deposits | 88.1840% | 1,070 |
| Net loans and leases to core deposits | 92.5098% | 1,344 |
| Total domestic deposits to total assets | 85.7810% | 2,460 |
| Equity capital to assets | 12.1198% | 1,512 |
| Core capital (leverage) ratio | 9.6815% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1771% | 1,790 |
| Memoranda: |
| Average total assets | $2,446,395,400 | 407 |
| Average earning assets | $2,230,708,000 | 398 |
| Average equity | $304,808,200 | 363 |
| Average total loans | $1,883,077,000 | 367 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6637% | 1,150 |
| Cost of funding earning assets | 0.5923% | 2,664 |
| Net interest margin | 4.0714% | 945 |
| Noninterest income to average assets | 0.5684% | 2,313 |
| Noninterest expense to average assets | 2.6599% | 2,363 |
| Loan and lease loss provision to assets | 0.7037% | 298 |
| Net operating income to assets | 0.7364% | 3,332 |
| Return on assets (ROA) | 0.7364% | 3,435 |
| Pretax return on assets | 0.9100% | 3,354 |
| Return on Equity (ROE) | 5.8677% | 3,598 |
| Retained earnings to average equity (ytd only) | 0.0524% | 4,470 |
| Net charge-offs to loans | 0.1599% | 923 |
| Credit loss provision to net charge-offs | 571.5312% | 1,187 |
| Earnings coverage of net charge-offs (x) | 13.1055% | 2,211 |
| Efficiency ratio | 60.9028% | 3,237 |
| Assets per employee ($millions) | 5.7456% | 2,500 |
| Cash dividends to net income (ytd only)* | 99.1065% | 318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6699% | 943 |
| Loan loss allowance to noncurrent loans | 144.4099% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.9641% | 1,159 |
| Noncurrent loans to loans | 1.1563% | 1,311 |
| Net loans and leases to total assets | 75.4975% | 1,161 |
| Net loans and leases to deposits | 87.8224% | 1,506 |
| Net loans and leases to core deposits | 92.0817% | 1,789 |
| Total domestic deposits to total assets | 85.9661% | 2,087 |
| Equity capital to assets | 11.8837% | 1,745 |
| Core capital (leverage) ratio | 9.4371% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2907% | 1,734 |
| Memoranda: |
| Average total assets | $2,411,373,000 | 403 |
| Average earning assets | $2,194,528,500 | 397 |
| Average equity | $302,641,250 | 357 |
| Average total loans | $1,856,468,000 | 367 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7560% | 1,264 |
| Cost of funding earning assets | 0.6705% | 2,557 |
| Net interest margin | 4.0855% | 1,147 |
| Noninterest income to average assets | 0.5543% | 2,332 |
| Noninterest expense to average assets | 2.7229% | 2,315 |
| Loan and lease loss provision to assets | 1.0799% | 180 |
| Net operating income to assets | 0.3813% | 4,270 |
| Return on assets (ROA) | 0.3813% | 4,330 |
| Pretax return on assets | 0.4628% | 4,309 |
| Return on Equity (ROE) | 2.9805% | 4,358 |
| Retained earnings to average equity (ytd only) | -5.7740% | 4,805 |
| Net charge-offs to loans | 0.1548% | 949 |
| Credit loss provision to net charge-offs | 905.2632% | 847 |
| Earnings coverage of net charge-offs (x) | 12.9317% | 2,023 |
| Efficiency ratio | 62.4510% | 3,054 |
| Assets per employee ($millions) | 5.9011% | 2,270 |
| Cash dividends to net income (ytd only)* | 293.7250% | 50 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7089% | 800 |
| Loan loss allowance to noncurrent loans | 130.0985% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0627% | 1,093 |
| Noncurrent loans to loans | 1.3135% | 1,175 |
| Net loans and leases to total assets | 73.9192% | 1,422 |
| Net loans and leases to deposits | 85.4454% | 1,830 |
| Net loans and leases to core deposits | 91.7750% | 1,924 |
| Total domestic deposits to total assets | 86.5105% | 1,802 |
| Equity capital to assets | 11.2770% | 2,135 |
| Core capital (leverage) ratio | 9.1070% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8284% | 1,884 |
| Memoranda: |
| Average total assets | $2,357,149,000 | 404 |
| Average earning assets | $2,141,235,667 | 401 |
| Average equity | $301,558,000 | 357 |
| Average total loans | $1,816,510,000 | 369 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0360% | 897 |
| Cost of funding earning assets | 0.7831% | 2,488 |
| Net interest margin | 4.2529% | 830 |
| Noninterest income to average assets | 0.6274% | 1,915 |
| Noninterest expense to average assets | 2.9223% | 2,065 |
| Loan and lease loss provision to assets | 1.1275% | 175 |
| Net operating income to assets | 0.3508% | 4,242 |
| Return on assets (ROA) | 0.3508% | 4,273 |
| Pretax return on assets | 0.4200% | 4,260 |
| Return on Equity (ROE) | 2.5624% | 4,324 |
| Retained earnings to average equity (ytd only) | -4.0179% | 4,440 |
| Net charge-offs to loans | 0.0618% | 1,393 |
| Credit loss provision to net charge-offs | 2,334.7015% | 310 |
| Earnings coverage of net charge-offs (x) | 32.0448% | 1,136 |
| Efficiency ratio | 63.9548% | 3,239 |
| Assets per employee ($millions) | 4.8883% | 2,768 |
| Cash dividends to net income (ytd only)* | 256.8053% | 199 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6290% | 997 |
| Loan loss allowance to noncurrent loans | 105.8282% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3159% | 885 |
| Noncurrent loans to loans | 1.5393% | 1,027 |
| Net loans and leases to total assets | 76.6766% | 1,188 |
| Net loans and leases to deposits | 92.2981% | 1,247 |
| Net loans and leases to core deposits | 95.9235% | 1,794 |
| Total domestic deposits to total assets | 83.0749% | 3,085 |
| Equity capital to assets | 13.4837% | 1,225 |
| Core capital (leverage) ratio | 10.8351% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8796% | 1,946 |
| Memoranda: |
| Average total assets | $2,219,786,500 | 410 |
| Average earning assets | $2,005,479,500 | 408 |
| Average equity | $303,938,500 | 353 |
| Average total loans | $1,735,123,000 | 374 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1775% | 1,047 |
| Cost of funding earning assets | 0.8212% | 2,584 |
| Net interest margin | 4.3562% | 973 |
| Noninterest income to average assets | 0.6588% | 1,971 |
| Noninterest expense to average assets | 2.8911% | 2,317 |
| Loan and lease loss provision to assets | 0.1373% | 1,554 |
| Net operating income to assets | 1.2795% | 1,771 |
| Return on assets (ROA) | 1.2795% | 1,845 |
| Pretax return on assets | 1.5482% | 1,662 |
| Return on Equity (ROE) | 9.3499% | 2,588 |
| Retained earnings to average equity (ytd only) | 2.3585% | 3,847 |
| Net charge-offs to loans | 0.0885% | 1,850 |
| Credit loss provision to net charge-offs | 201.7403% | 1,315 |
| Earnings coverage of net charge-offs (x) | 24.7644% | 1,761 |
| Efficiency ratio | 61.5945% | 3,437 |
| Assets per employee ($millions) | 4.8905% | 2,719 |
| Cash dividends to net income (ytd only)* | 74.7757% | 964 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0380% | 3,286 |
| Loan loss allowance to noncurrent loans | 67.0696% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 752 |
| Noncurrent loans to loans | 1.5477% | 922 |
| Net loans and leases to total assets | 77.5772% | 1,143 |
| Net loans and leases to deposits | 93.0685% | 1,246 |
| Net loans and leases to core deposits | 96.8000% | 1,827 |
| Total domestic deposits to total assets | 83.3549% | 3,084 |
| Equity capital to assets | 13.9053% | 1,133 |
| Core capital (leverage) ratio | 11.1695% | 2,364 |
| Tier 1 risk-based capital ratio | 14.2221% | 3,159 |
| Total risk-based capital ratio | 15.2801% | 3,165 |
| Memoranda: |
| Average total assets | $2,194,998,400 | 394 |
| Average earning assets | $1,974,088,600 | 401 |
| Average equity | $300,366,200 | 344 |
| Average total loans | $1,687,189,000 | 374 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1896% | 1,063 |
| Cost of funding earning assets | 0.8130% | 2,640 |
| Net interest margin | 4.3766% | 995 |
| Noninterest income to average assets | 0.6654% | 1,929 |
| Noninterest expense to average assets | 2.9004% | 2,266 |
| Loan and lease loss provision to assets | 0.1398% | 1,381 |
| Net operating income to assets | 1.3024% | 1,853 |
| Return on assets (ROA) | 1.3024% | 1,933 |
| Pretax return on assets | 1.5579% | 1,787 |
| Return on Equity (ROE) | 9.5566% | 2,642 |
| Retained earnings to average equity (ytd only) | 2.8705% | 3,944 |
| Net charge-offs to loans | 0.0835% | 1,641 |
| Credit loss provision to net charge-offs | 218.9343% | 1,223 |
| Earnings coverage of net charge-offs (x) | 26.5899% | 1,737 |
| Efficiency ratio | 61.4921% | 3,406 |
| Assets per employee ($millions) | 4.8441% | 2,739 |
| Cash dividends to net income (ytd only)* | 69.9627% | 955 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0265% | 3,415 |
| Loan loss allowance to noncurrent loans | 64.0486% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3582% | 870 |
| Noncurrent loans to loans | 1.6027% | 921 |
| Net loans and leases to total assets | 76.6465% | 1,367 |
| Net loans and leases to deposits | 92.1789% | 1,413 |
| Net loans and leases to core deposits | 95.8001% | 2,017 |
| Total domestic deposits to total assets | 83.1498% | 3,108 |
| Equity capital to assets | 13.7776% | 1,243 |
| Core capital (leverage) ratio | 11.1225% | 2,537 |
| Tier 1 risk-based capital ratio | 14.2072% | 3,220 |
| Total risk-based capital ratio | 15.2534% | 3,243 |
| Memoranda: |
| Average total assets | $2,194,784,000 | 393 |
| Average earning assets | $1,972,193,000 | 400 |
| Average equity | $299,122,500 | 345 |
| Average total loans | $1,678,648,500 | 379 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2143% | 958 |
| Cost of funding earning assets | 0.7821% | 2,730 |
| Net interest margin | 4.4322% | 883 |
| Noninterest income to average assets | 0.5614% | 2,335 |
| Noninterest expense to average assets | 2.8459% | 2,426 |
| Loan and lease loss provision to assets | 0.1056% | 1,774 |
| Net operating income to assets | 1.3298% | 1,656 |
| Return on assets (ROA) | 1.3298% | 1,719 |
| Pretax return on assets | 1.5942% | 1,560 |
| Return on Equity (ROE) | 9.7933% | 2,484 |
| Retained earnings to average equity (ytd only) | 3.0630% | 3,689 |
| Net charge-offs to loans | 0.0317% | 2,222 |
| Credit loss provision to net charge-offs | 437.5000% | 663 |
| Earnings coverage of net charge-offs (x) | 70.4508% | 891 |
| Efficiency ratio | 60.9831% | 3,580 |
| Assets per employee ($millions) | 4.8498% | 2,667 |
| Cash dividends to net income (ytd only)* | 68.7238% | 1,142 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0156% | 3,526 |
| Loan loss allowance to noncurrent loans | 60.7713% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.3692% | 885 |
| Noncurrent loans to loans | 1.6712% | 914 |
| Net loans and leases to total assets | 75.8098% | 1,578 |
| Net loans and leases to deposits | 91.3589% | 1,577 |
| Net loans and leases to core deposits | 94.7680% | 2,179 |
| Total domestic deposits to total assets | 82.9802% | 3,213 |
| Equity capital to assets | 13.6649% | 1,256 |
| Core capital (leverage) ratio | 11.1447% | 2,463 |
| Tier 1 risk-based capital ratio | 14.2847% | 3,169 |
| Total risk-based capital ratio | 15.3262% | 3,201 |
| Memoranda: |
| Average total assets | $2,188,466,330 | 398 |
| Average earning assets | $1,967,291,330 | 399 |
| Average equity | $297,163,670 | 349 |
| Average total loans | $1,666,747,670 | 385 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1783% | 947 |
| Cost of funding earning assets | 0.7444% | 2,812 |
| Net interest margin | 4.4339% | 837 |
| Noninterest income to average assets | 0.5822% | 2,132 |
| Noninterest expense to average assets | 2.8036% | 2,555 |
| Loan and lease loss provision to assets | 0.0717% | 2,234 |
| Net operating income to assets | 1.4585% | 1,205 |
| Return on assets (ROA) | 1.4585% | 1,235 |
| Pretax return on assets | 1.7026% | 1,199 |
| Return on Equity (ROE) | 10.7762% | 2,037 |
| Retained earnings to average equity (ytd only) | -2.8147% | 4,804 |
| Net charge-offs to loans | 0.0407% | 1,688 |
| Credit loss provision to net charge-offs | 232.1429% | 962 |
| Earnings coverage of net charge-offs (x) | 57.4167% | 937 |
| Efficiency ratio | 59.5934% | 3,866 |
| Assets per employee ($millions) | 4.9082% | 2,633 |
| Cash dividends to net income (ytd only)* | 126.1193% | 434 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0037% | 3,680 |
| Loan loss allowance to noncurrent loans | 60.7405% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.3527% | 939 |
| Noncurrent loans to loans | 1.6524% | 947 |
| Net loans and leases to total assets | 74.3279% | 1,743 |
| Net loans and leases to deposits | 89.2411% | 1,723 |
| Net loans and leases to core deposits | 92.4516% | 2,261 |
| Total domestic deposits to total assets | 83.2888% | 3,287 |
| Equity capital to assets | 13.3737% | 1,257 |
| Core capital (leverage) ratio | 10.9304% | 2,635 |
| Tier 1 risk-based capital ratio | 14.2369% | 3,225 |
| Total risk-based capital ratio | 15.2660% | 3,248 |
| Memoranda: |
| Average total assets | $2,174,524,500 | 400 |
| Average earning assets | $1,959,626,000 | 400 |
| Average equity | $294,314,500 | 352 |
| Average total loans | $1,651,397,000 | 387 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2230% | 669 |
| Cost of funding earning assets | 0.5261% | 3,203 |
| Net interest margin | 4.6969% | 489 |
| Noninterest income to average assets | 0.6170% | 2,206 |
| Noninterest expense to average assets | 2.8956% | 2,365 |
| Loan and lease loss provision to assets | 0.1813% | 1,078 |
| Net operating income to assets | 1.4605% | 1,238 |
| Return on assets (ROA) | 1.4605% | 1,229 |
| Pretax return on assets | 1.7704% | 994 |
| Return on Equity (ROE) | 11.4494% | 1,919 |
| Retained earnings to average equity (ytd only) | 11.4494% | 378 |
| Net charge-offs to loans | 0.1459% | 1,310 |
| Credit loss provision to net charge-offs | 164.1549% | 1,695 |
| Earnings coverage of net charge-offs (x) | 17.6715% | 2,176 |
| Efficiency ratio | 57.9872% | 4,162 |
| Assets per employee ($millions) | 4.7888% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9897% | 3,764 |
| Loan loss allowance to noncurrent loans | 62.5545% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 993 |
| Noncurrent loans to loans | 1.5821% | 931 |
| Net loans and leases to total assets | 76.0636% | 1,600 |
| Net loans and leases to deposits | 91.7478% | 1,581 |
| Net loans and leases to core deposits | 94.4726% | 2,189 |
| Total domestic deposits to total assets | 82.9051% | 3,361 |
| Equity capital to assets | 13.6993% | 1,066 |
| Core capital (leverage) ratio | 11.1528% | 2,396 |
| Tier 1 risk-based capital ratio | 14.5541% | 3,038 |
| Total risk-based capital ratio | 15.5854% | 3,062 |
| Memoranda: |
| Average total assets | $2,174,921,200 | 387 |
| Average earning assets | $1,958,873,600 | 394 |
| Average equity | $277,438,200 | 356 |
| Average total loans | $1,645,993,600 | 380 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1858% | 644 |
| Cost of funding earning assets | 0.4791% | 3,336 |
| Net interest margin | 4.7067% | 470 |
| Noninterest income to average assets | 0.6236% | 2,195 |
| Noninterest expense to average assets | 2.9004% | 2,303 |
| Loan and lease loss provision to assets | 0.1425% | 1,401 |
| Net operating income to assets | 1.4452% | 1,342 |
| Return on assets (ROA) | 1.4452% | 1,342 |
| Pretax return on assets | 1.8201% | 965 |
| Return on Equity (ROE) | 11.5398% | 1,973 |
| Retained earnings to average equity (ytd only) | 11.5398% | 547 |
| Net charge-offs to loans | 0.1131% | 1,366 |
| Credit loss provision to net charge-offs | 167.0968% | 1,589 |
| Earnings coverage of net charge-offs (x) | 23.0144% | 1,855 |
| Efficiency ratio | 57.8741% | 4,148 |
| Assets per employee ($millions) | 4.7708% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9620% | 3,996 |
| Loan loss allowance to noncurrent loans | 67.2146% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 1,270 |
| Noncurrent loans to loans | 1.4312% | 1,156 |
| Net loans and leases to total assets | 75.8312% | 1,682 |
| Net loans and leases to deposits | 90.8463% | 1,785 |
| Net loans and leases to core deposits | 93.3244% | 2,368 |
| Total domestic deposits to total assets | 83.4720% | 3,131 |
| Equity capital to assets | 13.2828% | 1,217 |
| Core capital (leverage) ratio | 10.7320% | 2,856 |
| Tier 1 risk-based capital ratio | 13.9111% | 3,416 |
| Total risk-based capital ratio | 14.8978% | 3,459 |
| Memoranda: |
| Average total assets | $2,181,110,500 | 387 |
| Average earning assets | $1,964,560,250 | 392 |
| Average equity | $273,158,500 | 358 |
| Average total loans | $1,644,532,000 | 379 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0828% | 686 |
| Cost of funding earning assets | 0.4505% | 3,354 |
| Net interest margin | 4.6323% | 514 |
| Noninterest income to average assets | 0.6245% | 2,207 |
| Noninterest expense to average assets | 2.8956% | 2,367 |
| Loan and lease loss provision to assets | 0.1407% | 1,387 |
| Net operating income to assets | 1.3982% | 1,449 |
| Return on assets (ROA) | 1.3982% | 1,450 |
| Pretax return on assets | 1.7638% | 1,057 |
| Return on Equity (ROE) | 11.3881% | 1,955 |
| Retained earnings to average equity (ytd only) | 11.3881% | 605 |
| Net charge-offs to loans | 0.1674% | 930 |
| Credit loss provision to net charge-offs | 112.0377% | 1,870 |
| Earnings coverage of net charge-offs (x) | 15.1624% | 2,058 |
| Efficiency ratio | 58.5078% | 4,155 |
| Assets per employee ($millions) | 4.7513% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9156% | 4,269 |
| Loan loss allowance to noncurrent loans | 59.9472% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 1,220 |
| Noncurrent loans to loans | 1.5273% | 1,093 |
| Net loans and leases to total assets | 75.1206% | 1,772 |
| Net loans and leases to deposits | 89.9196% | 1,850 |
| Net loans and leases to core deposits | 92.2233% | 2,383 |
| Total domestic deposits to total assets | 83.5421% | 3,240 |
| Equity capital to assets | 12.8162% | 1,381 |
| Core capital (leverage) ratio | 10.1645% | 3,402 |
| Tier 1 risk-based capital ratio | 13.5678% | 3,583 |
| Total risk-based capital ratio | 14.5218% | 3,676 |
| Memoranda: |
| Average total assets | $2,195,711,330 | 386 |
| Average earning assets | $1,979,255,670 | 393 |
| Average equity | $269,579,670 | 359 |
| Average total loans | $1,647,213,000 | 381 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9477% | 782 |
| Cost of funding earning assets | 0.4440% | 3,254 |
| Net interest margin | 4.5037% | 612 |
| Noninterest income to average assets | 0.6308% | 2,124 |
| Noninterest expense to average assets | 2.8020% | 2,682 |
| Loan and lease loss provision to assets | 0.1741% | 1,007 |
| Net operating income to assets | 1.3593% | 1,453 |
| Return on assets (ROA) | 1.3593% | 1,465 |
| Pretax return on assets | 1.7192% | 1,068 |
| Return on Equity (ROE) | 11.3128% | 1,849 |
| Retained earnings to average equity (ytd only) | 11.3128% | 824 |
| Net charge-offs to loans | 0.3634% | 430 |
| Credit loss provision to net charge-offs | 64.1811% | 1,874 |
| Earnings coverage of net charge-offs (x) | 6.9800% | 2,129 |
| Efficiency ratio | 57.7462% | 4,382 |
| Assets per employee ($millions) | 4.9755% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8687% | 4,569 |
| Loan loss allowance to noncurrent loans | 43.5655% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 917 |
| Noncurrent loans to loans | 1.9940% | 801 |
| Net loans and leases to total assets | 73.8750% | 1,874 |
| Net loans and leases to deposits | 87.9091% | 1,939 |
| Net loans and leases to core deposits | 95.4330% | 2,020 |
| Total domestic deposits to total assets | 84.0356% | 3,316 |
| Equity capital to assets | 12.2127% | 1,655 |
| Core capital (leverage) ratio | 9.5736% | 3,991 |
| Tier 1 risk-based capital ratio | 12.9331% | 3,986 |
| Total risk-based capital ratio | 13.8358% | 4,094 |
| Memoranda: |
| Average total assets | $2,215,024,000 | 387 |
| Average earning assets | $1,998,994,500 | 388 |
| Average equity | $266,141,000 | 364 |
| Average total loans | $1,653,124,500 | 380 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7613% | 1,054 |
| Cost of funding earning assets | 0.4191% | 3,060 |
| Net interest margin | 4.3422% | 880 |
| Noninterest income to average assets | 0.6172% | 2,369 |
| Noninterest expense to average assets | 2.7291% | 3,034 |
| Loan and lease loss provision to assets | 0.1359% | 1,686 |
| Net operating income to assets | 1.0507% | 2,046 |
| Return on assets (ROA) | 1.0507% | 2,079 |
| Pretax return on assets | 1.7327% | 932 |
| Return on Equity (ROE) | 9.4353% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.4353% | 431 |
| Net charge-offs to loans | 0.0016% | 4,065 |
| Credit loss provision to net charge-offs | 11,033.3333% | 27 |
| Earnings coverage of net charge-offs (x) | 1,516.7143% | 45 |
| Efficiency ratio | 58.3841% | 4,484 |
| Assets per employee ($millions) | 4.8621% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8865% | 4,539 |
| Loan loss allowance to noncurrent loans | 50.4824% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 1,060 |
| Noncurrent loans to loans | 1.7561% | 916 |
| Net loans and leases to total assets | 74.3404% | 1,867 |
| Net loans and leases to deposits | 87.9404% | 2,026 |
| Net loans and leases to core deposits | 96.6875% | 1,970 |
| Total domestic deposits to total assets | 84.5350% | 3,026 |
| Equity capital to assets | 11.8576% | 1,938 |
| Core capital (leverage) ratio | 11.9513% | 1,626 |
| Tier 1 risk-based capital ratio | 12.8607% | 3,997 |
| Total risk-based capital ratio | 13.7968% | 4,077 |
| Memoranda: |
| Average total assets | $1,704,529,200 | 465 |
| Average earning assets | $1,562,533,600 | 461 |
| Average equity | $189,808,600 | 456 |
| Average total loans | $1,318,108,600 | 427 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8271% | 878 |
| Cost of funding earning assets | 0.4240% | 2,940 |
| Net interest margin | 4.4031% | 726 |
| Noninterest income to average assets | 0.6571% | 2,176 |
| Noninterest expense to average assets | 2.8592% | 2,536 |
| Loan and lease loss provision to assets | 0.0946% | 2,200 |
| Net operating income to assets | 1.1578% | 1,852 |
| Return on assets (ROA) | 1.1578% | 1,894 |
| Pretax return on assets | 1.7544% | 991 |
| Return on Equity (ROE) | 10.6416% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.6416% | 465 |
| Net charge-offs to loans | 0.0221% | 3,025 |
| Credit loss provision to net charge-offs | 547.5490% | 576 |
| Earnings coverage of net charge-offs (x) | 107.0013% | 665 |
| Efficiency ratio | 59.7769% | 4,256 |
| Assets per employee ($millions) | 4.7327% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0887% | 3,557 |
| Loan loss allowance to noncurrent loans | 69.7641% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 1,310 |
| Noncurrent loans to loans | 1.5606% | 1,194 |
| Net loans and leases to total assets | 76.9229% | 1,431 |
| Net loans and leases to deposits | 91.3035% | 1,651 |
| Net loans and leases to core deposits | 101.2738% | 1,603 |
| Total domestic deposits to total assets | 84.2497% | 3,023 |
| Equity capital to assets | 11.2319% | 2,639 |
| Core capital (leverage) ratio | 10.6602% | 2,813 |
| Tier 1 risk-based capital ratio | 13.9729% | 3,454 |
| Total risk-based capital ratio | 15.1006% | 3,442 |
| Memoranda: |
| Average total assets | $1,573,947,000 | 500 |
| Average earning assets | $1,448,123,000 | 496 |
| Average equity | $171,247,750 | 494 |
| Average total loans | $1,230,070,000 | 454 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8150% | 841 |
| Cost of funding earning assets | 0.4010% | 3,065 |
| Net interest margin | 4.4140% | 685 |
| Noninterest income to average assets | 0.6965% | 2,004 |
| Noninterest expense to average assets | 2.8604% | 2,538 |
| Loan and lease loss provision to assets | 0.0582% | 2,808 |
| Net operating income to assets | 1.2170% | 1,545 |
| Return on assets (ROA) | 1.2170% | 1,584 |
| Pretax return on assets | 1.8371% | 771 |
| Return on Equity (ROE) | 11.3084% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.3084% | 398 |
| Net charge-offs to loans | -0.0068% | 4,416 |
| Credit loss provision to net charge-offs | -1,088.0952% | 4,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1858% | 4,440 |
| Assets per employee ($millions) | 4.6251% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0637% | 3,765 |
| Loan loss allowance to noncurrent loans | 73.8827% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1571% | 1,487 |
| Noncurrent loans to loans | 1.4397% | 1,320 |
| Net loans and leases to total assets | 76.9486% | 1,388 |
| Net loans and leases to deposits | 91.2910% | 1,573 |
| Net loans and leases to core deposits | 100.3950% | 1,624 |
| Total domestic deposits to total assets | 84.2894% | 3,093 |
| Equity capital to assets | 11.0556% | 2,743 |
| Core capital (leverage) ratio | 10.4534% | 2,972 |
| Tier 1 risk-based capital ratio | 13.8644% | 3,494 |
| Total risk-based capital ratio | 14.9782% | 3,491 |
| Memoranda: |
| Average total assets | $1,570,107,670 | 504 |
| Average earning assets | $1,443,905,000 | 497 |
| Average equity | $168,971,000 | 498 |
| Average total loans | $1,229,090,000 | 456 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8186% | 719 |
| Cost of funding earning assets | 0.3869% | 3,124 |
| Net interest margin | 4.4317% | 601 |
| Noninterest income to average assets | 0.7746% | 1,642 |
| Noninterest expense to average assets | 2.8535% | 2,605 |
| Loan and lease loss provision to assets | 0.0783% | 2,248 |
| Net operating income to assets | 1.2840% | 1,279 |
| Return on assets (ROA) | 1.2840% | 1,313 |
| Pretax return on assets | 1.9142% | 604 |
| Return on Equity (ROE) | 12.0964% | 1,207 |
| Retained earnings to average equity (ytd only) | 12.0964% | 462 |
| Net charge-offs to loans | -0.0328% | 4,972 |
| Credit loss provision to net charge-offs | -303.9604% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9050% | 4,727 |
| Assets per employee ($millions) | 4.5993% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0484% | 3,987 |
| Loan loss allowance to noncurrent loans | 76.2709% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.1323% | 1,565 |
| Noncurrent loans to loans | 1.3745% | 1,463 |
| Net loans and leases to total assets | 77.0662% | 1,258 |
| Net loans and leases to deposits | 94.6145% | 1,055 |
| Net loans and leases to core deposits | 102.2752% | 1,351 |
| Total domestic deposits to total assets | 81.4528% | 4,311 |
| Equity capital to assets | 10.6903% | 2,972 |
| Core capital (leverage) ratio | 10.1487% | 3,312 |
| Tier 1 risk-based capital ratio | 13.4444% | 3,805 |
| Total risk-based capital ratio | 14.5498% | 3,810 |
| Memoranda: |
| Average total assets | $1,568,889,000 | 504 |
| Average earning assets | $1,441,338,500 | 501 |
| Average equity | $166,529,000 | 501 |
| Average total loans | $1,232,104,500 | 453 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7691% | 936 |
| Cost of funding earning assets | 0.3713% | 3,301 |
| Net interest margin | 4.3978% | 781 |
| Noninterest income to average assets | 0.7580% | 1,926 |
| Noninterest expense to average assets | 3.0470% | 2,191 |
| Loan and lease loss provision to assets | 0.2066% | 1,100 |
| Net operating income to assets | 1.0411% | 2,179 |
| Return on assets (ROA) | 1.0411% | 2,279 |
| Pretax return on assets | 1.5347% | 1,477 |
| Return on Equity (ROE) | 10.2966% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.2966% | 372 |
| Net charge-offs to loans | 0.0192% | 3,673 |
| Credit loss provision to net charge-offs | 1,350.2110% | 298 |
| Earnings coverage of net charge-offs (x) | 113.7890% | 536 |
| Efficiency ratio | 62.5528% | 4,169 |
| Assets per employee ($millions) | 4.5620% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0155% | 4,222 |
| Loan loss allowance to noncurrent loans | 65.6711% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 1.4106% | 1,210 |
| Noncurrent loans to loans | 1.5464% | 1,288 |
| Net loans and leases to total assets | 78.3913% | 1,147 |
| Net loans and leases to deposits | 96.3037% | 966 |
| Net loans and leases to core deposits | 104.2026% | 1,264 |
| Total domestic deposits to total assets | 81.4001% | 4,234 |
| Equity capital to assets | 10.5373% | 3,108 |
| Core capital (leverage) ratio | 9.9395% | 3,573 |
| Tier 1 risk-based capital ratio | 12.9057% | 4,127 |
| Total risk-based capital ratio | 13.9644% | 4,151 |
| Memoranda: |
| Average total assets | $1,548,658,400 | 494 |
| Average earning assets | $1,419,255,000 | 491 |
| Average equity | $156,585,000 | 509 |
| Average total loans | $1,233,105,800 | 433 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7743% | 948 |
| Cost of funding earning assets | 0.3713% | 3,317 |
| Net interest margin | 4.4030% | 771 |
| Noninterest income to average assets | 0.7857% | 1,823 |
| Noninterest expense to average assets | 3.0407% | 2,200 |
| Loan and lease loss provision to assets | 0.2327% | 849 |
| Net operating income to assets | 1.0183% | 2,343 |
| Return on assets (ROA) | 1.0183% | 2,476 |
| Pretax return on assets | 1.5472% | 1,550 |
| Return on Equity (ROE) | 10.1787% | 1,981 |
| Retained earnings to average equity (ytd only) | 10.1787% | 543 |
| Net charge-offs to loans | 0.0058% | 3,702 |
| Credit loss provision to net charge-offs | 5,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 382.4164% | 237 |
| Efficiency ratio | 61.9918% | 4,234 |
| Assets per employee ($millions) | 4.4399% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9801% | 4,511 |
| Loan loss allowance to noncurrent loans | 56.2901% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.5625% | 1,127 |
| Noncurrent loans to loans | 1.7412% | 1,198 |
| Net loans and leases to total assets | 79.4967% | 966 |
| Net loans and leases to deposits | 99.3786% | 744 |
| Net loans and leases to core deposits | 107.4199% | 1,085 |
| Total domestic deposits to total assets | 79.9938% | 4,517 |
| Equity capital to assets | 10.4034% | 3,675 |
| Core capital (leverage) ratio | 9.7326% | 3,898 |
| Tier 1 risk-based capital ratio | 12.5231% | 4,459 |
| Total risk-based capital ratio | 13.5542% | 4,505 |
| Memoranda: |
| Average total assets | $1,546,915,750 | 499 |
| Average earning assets | $1,417,611,500 | 490 |
| Average equity | $154,750,750 | 514 |
| Average total loans | $1,233,385,000 | 433 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7862% | 911 |
| Cost of funding earning assets | 0.3724% | 3,336 |
| Net interest margin | 4.4137% | 744 |
| Noninterest income to average assets | 0.7835% | 1,792 |
| Noninterest expense to average assets | 3.1225% | 2,001 |
| Loan and lease loss provision to assets | 0.2458% | 800 |
| Net operating income to assets | 0.9608% | 2,575 |
| Return on assets (ROA) | 0.9608% | 2,725 |
| Pretax return on assets | 1.4611% | 1,803 |
| Return on Equity (ROE) | 9.7339% | 2,167 |
| Retained earnings to average equity (ytd only) | 9.7339% | 655 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5524% | 4,090 |
| Assets per employee ($millions) | 4.5032% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9307% | 4,844 |
| Loan loss allowance to noncurrent loans | 49.7220% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.6385% | 1,108 |
| Noncurrent loans to loans | 1.8718% | 1,086 |
| Net loans and leases to total assets | 78.8874% | 1,082 |
| Net loans and leases to deposits | 97.8320% | 906 |
| Net loans and leases to core deposits | 105.0900% | 1,250 |
| Total domestic deposits to total assets | 80.6356% | 4,380 |
| Equity capital to assets | 10.1715% | 4,001 |
| Core capital (leverage) ratio | 9.3407% | 4,405 |
| Tier 1 risk-based capital ratio | 12.2570% | 4,669 |
| Total risk-based capital ratio | 13.2376% | 4,747 |
| Memoranda: |
| Average total assets | $1,546,046,330 | 494 |
| Average earning assets | $1,417,210,330 | 486 |
| Average equity | $152,600,000 | 519 |
| Average total loans | $1,229,842,330 | 433 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8044% | 837 |
| Cost of funding earning assets | 0.3737% | 3,358 |
| Net interest margin | 4.4307% | 692 |
| Noninterest income to average assets | 0.6656% | 2,188 |
| Noninterest expense to average assets | 3.1808% | 1,882 |
| Loan and lease loss provision to assets | 0.2198% | 875 |
| Net operating income to assets | 0.8738% | 2,882 |
| Return on assets (ROA) | 0.8738% | 2,995 |
| Pretax return on assets | 1.3310% | 2,176 |
| Return on Equity (ROE) | 8.9900% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.9900% | 1,122 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0655% | 3,789 |
| Assets per employee ($millions) | 4.1368% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8456% | 5,243 |
| Loan loss allowance to noncurrent loans | 91.3219% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 2,457 |
| Noncurrent loans to loans | 0.9259% | 2,533 |
| Net loans and leases to total assets | 79.0110% | 950 |
| Net loans and leases to deposits | 96.0338% | 943 |
| Net loans and leases to core deposits | 102.4709% | 1,297 |
| Total domestic deposits to total assets | 82.2741% | 4,122 |
| Equity capital to assets | 9.8844% | 4,237 |
| Core capital (leverage) ratio | 8.9713% | 4,893 |
| Tier 1 risk-based capital ratio | 11.8286% | 5,033 |
| Total risk-based capital ratio | 12.7248% | 5,150 |
| Memoranda: |
| Average total assets | $1,546,766,000 | 492 |
| Average earning assets | $1,419,448,000 | 488 |
| Average equity | $150,345,500 | 523 |
| Average total loans | $1,229,790,000 | 433 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7293% | 1,045 |
| Cost of funding earning assets | 0.3129% | 4,099 |
| Net interest margin | 4.4164% | 771 |
| Noninterest income to average assets | 0.6603% | 2,402 |
| Noninterest expense to average assets | 3.0967% | 2,249 |
| Loan and lease loss provision to assets | 0.1524% | 1,541 |
| Net operating income to assets | 0.9293% | 2,707 |
| Return on assets (ROA) | 0.9296% | 2,796 |
| Pretax return on assets | 1.4246% | 1,804 |
| Return on Equity (ROE) | 8.4249% | 2,746 |
| Retained earnings to average equity (ytd only) | -39.9136% | 6,161 |
| Net charge-offs to loans | 0.0272% | 3,686 |
| Credit loss provision to net charge-offs | 731.8021% | 456 |
| Earnings coverage of net charge-offs (x) | 75.7173% | 727 |
| Efficiency ratio | 65.0945% | 4,062 |
| Assets per employee ($millions) | 4.1347% | 3,685 |
| Cash dividends to net income (ytd only)* | 573.7575% | 16 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7762% | 5,473 |
| Loan loss allowance to noncurrent loans | 74.2726% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0308% | 2,130 |
| Noncurrent loans to loans | 1.0450% | 2,241 |
| Net loans and leases to total assets | 78.7147% | 1,031 |
| Net loans and leases to deposits | 96.4471% | 967 |
| Net loans and leases to core deposits | 103.0551% | 1,291 |
| Total domestic deposits to total assets | 81.6144% | 4,301 |
| Equity capital to assets | 9.5564% | 4,488 |
| Core capital (leverage) ratio | 8.7350% | 5,180 |
| Tier 1 risk-based capital ratio | 11.6070% | 5,189 |
| Total risk-based capital ratio | 12.4318% | 5,331 |
| Memoranda: |
| Average total assets | $1,359,271,200 | 527 |
| Average earning assets | $1,235,064,400 | 528 |
| Average equity | $149,983,800 | 504 |
| Average total loans | $1,041,668,400 | 460 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6333% | 1,246 |
| Cost of funding earning assets | 0.2836% | 4,526 |
| Net interest margin | 4.3497% | 874 |
| Noninterest income to average assets | 0.6496% | 2,486 |
| Noninterest expense to average assets | 3.0942% | 2,237 |
| Loan and lease loss provision to assets | 0.1424% | 1,552 |
| Net operating income to assets | 0.8798% | 3,043 |
| Return on assets (ROA) | 0.8800% | 3,126 |
| Pretax return on assets | 1.3569% | 2,188 |
| Return on Equity (ROE) | 7.6717% | 3,242 |
| Retained earnings to average equity (ytd only) | -57.9135% | 6,256 |
| Net charge-offs to loans | 0.0306% | 3,316 |
| Credit loss provision to net charge-offs | 614.4737% | 554 |
| Earnings coverage of net charge-offs (x) | 64.6716% | 867 |
| Efficiency ratio | 66.2041% | 3,863 |
| Assets per employee ($millions) | 4.1275% | 3,661 |
| Cash dividends to net income (ytd only)* | 854.8987% | 10 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7352% | 5,649 |
| Loan loss allowance to noncurrent loans | 59.3291% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3413% | 1,746 |
| Noncurrent loans to loans | 1.2392% | 2,064 |
| Net loans and leases to total assets | 77.4992% | 1,178 |
| Net loans and leases to deposits | 96.8165% | 923 |
| Net loans and leases to core deposits | 102.6663% | 1,331 |
| Total domestic deposits to total assets | 80.0475% | 4,743 |
| Equity capital to assets | 9.3260% | 4,974 |
| Core capital (leverage) ratio | 10.1161% | 3,479 |
| Tier 1 risk-based capital ratio | 11.2304% | 5,536 |
| Total risk-based capital ratio | 12.0120% | 5,707 |
| Memoranda: |
| Average total assets | $1,311,464,500 | 548 |
| Average earning assets | $1,189,009,000 | 545 |
| Average equity | $150,436,750 | 508 |
| Average total loans | $994,581,250 | 483 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8376% | 823 |
| Cost of funding earning assets | 0.2943% | 4,450 |
| Net interest margin | 4.5433% | 583 |
| Noninterest income to average assets | 0.6724% | 2,339 |
| Noninterest expense to average assets | 3.2326% | 1,888 |
| Loan and lease loss provision to assets | 0.1355% | 1,617 |
| Net operating income to assets | 0.9392% | 2,693 |
| Return on assets (ROA) | 0.9392% | 2,815 |
| Pretax return on assets | 1.4116% | 1,930 |
| Return on Equity (ROE) | 7.5896% | 3,266 |
| Retained earnings to average equity (ytd only) | 4.3046% | 3,286 |
| Net charge-offs to loans | 0.0274% | 3,125 |
| Credit loss provision to net charge-offs | 661.1111% | 509 |
| Earnings coverage of net charge-offs (x) | 75.5079% | 739 |
| Efficiency ratio | 66.4206% | 3,940 |
| Assets per employee ($millions) | 3.9321% | 4,010 |
| Cash dividends to net income (ytd only)* | 43.2825% | 2,250 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9180% | 5,230 |
| Loan loss allowance to noncurrent loans | 70.0017% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 1,667 |
| Noncurrent loans to loans | 1.3114% | 2,047 |
| Net loans and leases to total assets | 74.0097% | 1,657 |
| Net loans and leases to deposits | 88.1294% | 1,820 |
| Net loans and leases to core deposits | 92.4109% | 2,115 |
| Total domestic deposits to total assets | 83.9785% | 3,570 |
| Equity capital to assets | 12.4772% | 1,673 |
| Core capital (leverage) ratio | 11.9836% | 1,672 |
| Tier 1 risk-based capital ratio | 15.8850% | 2,912 |
| Total risk-based capital ratio | 16.7861% | 3,031 |
| Memoranda: |
| Average total assets | $1,229,926,330 | 577 |
| Average earning assets | $1,111,879,000 | 579 |
| Average equity | $152,209,000 | 503 |
| Average total loans | $921,148,330 | 515 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8004% | 863 |
| Cost of funding earning assets | 0.2933% | 4,516 |
| Net interest margin | 4.5070% | 598 |
| Noninterest income to average assets | 0.6654% | 2,334 |
| Noninterest expense to average assets | 3.1399% | 2,160 |
| Loan and lease loss provision to assets | 0.1753% | 1,108 |
| Net operating income to assets | 0.9368% | 2,573 |
| Return on assets (ROA) | 0.9368% | 2,707 |
| Pretax return on assets | 1.4204% | 1,809 |
| Return on Equity (ROE) | 7.6014% | 3,166 |
| Retained earnings to average equity (ytd only) | 0.9915% | 5,073 |
| Net charge-offs to loans | 0.0113% | 2,963 |
| Credit loss provision to net charge-offs | 2,069.2308% | 192 |
| Earnings coverage of net charge-offs (x) | 188.3462% | 299 |
| Efficiency ratio | 65.0451% | 4,311 |
| Assets per employee ($millions) | 3.9417% | 4,077 |
| Cash dividends to net income (ytd only)* | 86.9565% | 868 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8917% | 5,459 |
| Loan loss allowance to noncurrent loans | 47.3877% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 1.8100% | 1,353 |
| Noncurrent loans to loans | 1.8816% | 1,426 |
| Net loans and leases to total assets | 74.5244% | 1,424 |
| Net loans and leases to deposits | 89.0334% | 1,500 |
| Net loans and leases to core deposits | 92.8078% | 1,874 |
| Total domestic deposits to total assets | 83.7038% | 3,933 |
| Equity capital to assets | 12.2952% | 1,823 |
| Core capital (leverage) ratio | 11.9648% | 1,659 |
| Tier 1 risk-based capital ratio | 16.7883% | 2,567 |
| Total risk-based capital ratio | 17.7380% | 2,629 |
| Memoranda: |
| Average total assets | $1,227,550,500 | 573 |
| Average earning assets | $1,108,582,000 | 577 |
| Average equity | $151,287,000 | 507 |
| Average total loans | $920,598,500 | 510 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0734% | 671 |
| Cost of funding earning assets | 0.3062% | 4,729 |
| Net interest margin | 4.7672% | 459 |
| Noninterest income to average assets | 0.6943% | 2,331 |
| Noninterest expense to average assets | 3.5001% | 1,480 |
| Loan and lease loss provision to assets | 0.1983% | 1,283 |
| Net operating income to assets | 0.8354% | 3,196 |
| Return on assets (ROA) | 0.8355% | 3,289 |
| Pretax return on assets | 1.2773% | 2,316 |
| Return on Equity (ROE) | 6.8611% | 3,713 |
| Retained earnings to average equity (ytd only) | -20.6879% | 6,430 |
| Net charge-offs to loans | 0.1756% | 2,266 |
| Credit loss provision to net charge-offs | 155.2200% | 1,563 |
| Earnings coverage of net charge-offs (x) | 11.5502% | 2,477 |
| Efficiency ratio | 69.1413% | 3,681 |
| Assets per employee ($millions) | 3.8529% | 4,248 |
| Cash dividends to net income (ytd only)* | 401.5258% | 25 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8495% | 5,636 |
| Loan loss allowance to noncurrent loans | 33.2876% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 2.3297% | 1,017 |
| Noncurrent loans to loans | 2.5520% | 990 |
| Net loans and leases to total assets | 74.1573% | 1,558 |
| Net loans and leases to deposits | 90.8261% | 1,429 |
| Net loans and leases to core deposits | 95.0053% | 1,814 |
| Total domestic deposits to total assets | 81.6475% | 4,551 |
| Equity capital to assets | 12.3537% | 1,731 |
| Core capital (leverage) ratio | 11.9600% | 1,651 |
| Tier 1 risk-based capital ratio | 16.9438% | 2,533 |
| Total risk-based capital ratio | 17.8486% | 2,622 |
| Memoranda: |
| Average total assets | $1,192,276,200 | 565 |
| Average earning assets | $1,070,734,400 | 569 |
| Average equity | $145,196,200 | 507 |
| Average total loans | $867,302,600 | 511 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0933% | 656 |
| Cost of funding earning assets | 0.3068% | 4,826 |
| Net interest margin | 4.7865% | 445 |
| Noninterest income to average assets | 0.6931% | 2,362 |
| Noninterest expense to average assets | 3.5518% | 1,373 |
| Loan and lease loss provision to assets | 0.2079% | 1,123 |
| Net operating income to assets | 0.8030% | 3,415 |
| Return on assets (ROA) | 0.8031% | 3,510 |
| Pretax return on assets | 1.2237% | 2,679 |
| Return on Equity (ROE) | 6.6195% | 3,893 |
| Retained earnings to average equity (ytd only) | -30.4747% | 6,532 |
| Net charge-offs to loans | 0.2100% | 1,791 |
| Credit loss provision to net charge-offs | 137.0920% | 1,704 |
| Earnings coverage of net charge-offs (x) | 9.4377% | 2,672 |
| Efficiency ratio | 70.0903% | 3,491 |
| Assets per employee ($millions) | 3.9468% | 3,993 |
| Cash dividends to net income (ytd only)* | 560.3808% | 11 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8109% | 5,846 |
| Loan loss allowance to noncurrent loans | 48.6299% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.7950% | 1,657 |
| Noncurrent loans to loans | 1.6675% | 1,957 |
| Net loans and leases to total assets | 72.0668% | 1,838 |
| Net loans and leases to deposits | 91.8488% | 1,243 |
| Net loans and leases to core deposits | 95.6703% | 1,702 |
| Total domestic deposits to total assets | 78.4624% | 5,440 |
| Equity capital to assets | 11.7274% | 2,288 |
| Core capital (leverage) ratio | 11.3370% | 2,188 |
| Tier 1 risk-based capital ratio | 16.6638% | 2,742 |
| Total risk-based capital ratio | 17.5340% | 2,866 |
| Memoranda: |
| Average total assets | $1,185,006,000 | 564 |
| Average earning assets | $1,062,129,750 | 573 |
| Average equity | $143,774,500 | 511 |
| Average total loans | $855,757,000 | 512 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1044% | 614 |
| Cost of funding earning assets | 0.3058% | 4,917 |
| Net interest margin | 4.7986% | 415 |
| Noninterest income to average assets | 0.6802% | 2,376 |
| Noninterest expense to average assets | 3.7182% | 1,106 |
| Loan and lease loss provision to assets | 0.1648% | 1,489 |
| Net operating income to assets | 0.7316% | 3,668 |
| Return on assets (ROA) | 0.7319% | 3,758 |
| Pretax return on assets | 1.0924% | 3,128 |
| Return on Equity (ROE) | 5.9600% | 4,172 |
| Retained earnings to average equity (ytd only) | -50.1873% | 6,627 |
| Net charge-offs to loans | 0.0277% | 3,639 |
| Credit loss provision to net charge-offs | 824.1379% | 399 |
| Earnings coverage of net charge-offs (x) | 62.8621% | 781 |
| Efficiency ratio | 73.5795% | 3,047 |
| Assets per employee ($millions) | 3.9694% | 3,903 |
| Cash dividends to net income (ytd only)* | 942.0631% | 13 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8494% | 5,873 |
| Loan loss allowance to noncurrent loans | 39.5393% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 2.1102% | 1,477 |
| Noncurrent loans to loans | 2.1483% | 1,547 |
| Net loans and leases to total assets | 71.9668% | 1,752 |
| Net loans and leases to deposits | 91.8923% | 1,164 |
| Net loans and leases to core deposits | 96.3283% | 1,575 |
| Total domestic deposits to total assets | 78.3165% | 5,579 |
| Equity capital to assets | 11.5210% | 2,407 |
| Core capital (leverage) ratio | 11.1095% | 2,322 |
| Tier 1 risk-based capital ratio | 16.2818% | 2,936 |
| Total risk-based capital ratio | 17.1901% | 3,064 |
| Memoranda: |
| Average total assets | $1,160,331,000 | 577 |
| Average earning assets | $1,038,554,330 | 588 |
| Average equity | $142,482,330 | 513 |
| Average total loans | $836,089,000 | 522 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0601% | 640 |
| Cost of funding earning assets | 0.3020% | 5,045 |
| Net interest margin | 4.7581% | 414 |
| Noninterest income to average assets | 0.6014% | 2,727 |
| Noninterest expense to average assets | 4.0437% | 719 |
| Loan and lease loss provision to assets | 0.0522% | 3,058 |
| Net operating income to assets | 0.5250% | 4,572 |
| Return on assets (ROA) | 0.5255% | 4,641 |
| Pretax return on assets | 0.7591% | 4,274 |
| Return on Equity (ROE) | 4.1348% | 4,973 |
| Retained earnings to average equity (ytd only) | -109.1479% | 6,716 |
| Net charge-offs to loans | -0.0206% | 5,375 |
| Credit loss provision to net charge-offs | -353.6585% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2718% | 1,891 |
| Assets per employee ($millions) | 3.7759% | 4,372 |
| Cash dividends to net income (ytd only)* | 2,739.7260% | 6 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8022% | 6,100 |
| Loan loss allowance to noncurrent loans | 32.2352% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 2.2739% | 1,447 |
| Noncurrent loans to loans | 2.4886% | 1,390 |
| Net loans and leases to total assets | 70.9288% | 1,734 |
| Net loans and leases to deposits | 88.6334% | 1,295 |
| Net loans and leases to core deposits | 92.7941% | 1,658 |
| Total domestic deposits to total assets | 80.0249% | 5,475 |
| Equity capital to assets | 11.4005% | 2,333 |
| Core capital (leverage) ratio | 11.0055% | 2,389 |
| Tier 1 risk-based capital ratio | 16.2752% | 3,026 |
| Total risk-based capital ratio | 17.1275% | 3,189 |
| Memoranda: |
| Average total assets | $1,111,349,000 | 611 |
| Average earning assets | $993,344,000 | 612 |
| Average equity | $141,239,500 | 518 |
| Average total loans | $797,477,000 | 547 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0684% | 803 |
| Cost of funding earning assets | 0.4065% | 4,573 |
| Net interest margin | 4.6619% | 542 |
| Noninterest income to average assets | 0.7744% | 2,189 |
| Noninterest expense to average assets | 3.4363% | 1,800 |
| Loan and lease loss provision to assets | 0.3768% | 817 |
| Net operating income to assets | 0.7315% | 3,653 |
| Return on assets (ROA) | 0.7443% | 3,673 |
| Pretax return on assets | 1.1242% | 2,869 |
| Return on Equity (ROE) | 5.2238% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.2238% | 2,467 |
| Net charge-offs to loans | 0.2991% | 2,194 |
| Credit loss provision to net charge-offs | 177.8481% | 1,290 |
| Earnings coverage of net charge-offs (x) | 6.9942% | 2,934 |
| Efficiency ratio | 69.1777% | 3,981 |
| Assets per employee ($millions) | 3.8902% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9752% | 5,684 |
| Loan loss allowance to noncurrent loans | 30.3994% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 2.7691% | 1,192 |
| Noncurrent loans to loans | 3.2079% | 1,047 |
| Net loans and leases to total assets | 71.3758% | 1,778 |
| Net loans and leases to deposits | 94.6581% | 824 |
| Net loans and leases to core deposits | 97.4976% | 1,347 |
| Total domestic deposits to total assets | 75.4038% | 6,152 |
| Equity capital to assets | 14.3552% | 814 |
| Core capital (leverage) ratio | 14.1733% | 781 |
| Tier 1 risk-based capital ratio | 20.8420% | 1,456 |
| Total risk-based capital ratio | 21.8779% | 1,482 |
| Memoranda: |
| Average total assets | $969,560,000 | 678 |
| Average earning assets | $861,771,200 | 692 |
| Average equity | $138,138,000 | 524 |
| Average total loans | $686,769,600 | 608 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1188% | 749 |
| Cost of funding earning assets | 0.4307% | 4,499 |
| Net interest margin | 4.6881% | 527 |
| Noninterest income to average assets | 0.7905% | 2,200 |
| Noninterest expense to average assets | 3.3925% | 1,847 |
| Loan and lease loss provision to assets | 0.4446% | 644 |
| Net operating income to assets | 0.7418% | 3,641 |
| Return on assets (ROA) | 0.7591% | 3,694 |
| Pretax return on assets | 1.1396% | 2,948 |
| Return on Equity (ROE) | 5.3380% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.3380% | 2,844 |
| Net charge-offs to loans | 0.4066% | 1,577 |
| Credit loss provision to net charge-offs | 155.0794% | 1,526 |
| Earnings coverage of net charge-offs (x) | 5.4357% | 3,192 |
| Efficiency ratio | 67.8200% | 4,128 |
| Assets per employee ($millions) | 3.8946% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9468% | 5,928 |
| Loan loss allowance to noncurrent loans | 29.9158% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 2.8492% | 1,304 |
| Noncurrent loans to loans | 3.1650% | 1,245 |
| Net loans and leases to total assets | 70.2855% | 1,915 |
| Net loans and leases to deposits | 88.1888% | 1,346 |
| Net loans and leases to core deposits | 91.5417% | 1,812 |
| Total domestic deposits to total assets | 79.6990% | 5,582 |
| Equity capital to assets | 14.5274% | 820 |
| Core capital (leverage) ratio | 14.2899% | 790 |
| Tier 1 risk-based capital ratio | 21.3279% | 1,436 |
| Total risk-based capital ratio | 22.3339% | 1,456 |
| Memoranda: |
| Average total assets | $965,897,000 | 684 |
| Average earning assets | $857,178,500 | 698 |
| Average equity | $137,351,000 | 533 |
| Average total loans | $681,110,250 | 617 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0534% | 839 |
| Cost of funding earning assets | 0.4537% | 4,391 |
| Net interest margin | 4.5997% | 596 |
| Noninterest income to average assets | 0.8122% | 2,134 |
| Noninterest expense to average assets | 3.4317% | 1,756 |
| Loan and lease loss provision to assets | 0.5724% | 450 |
| Net operating income to assets | 0.5928% | 4,328 |
| Return on assets (ROA) | 0.6187% | 4,366 |
| Pretax return on assets | 0.9280% | 3,793 |
| Return on Equity (ROE) | 4.3822% | 5,056 |
| Retained earnings to average equity (ytd only) | 4.3822% | 3,486 |
| Net charge-offs to loans | 0.5859% | 1,129 |
| Credit loss provision to net charge-offs | 138.8164% | 1,636 |
| Earnings coverage of net charge-offs (x) | 3.5451% | 3,365 |
| Efficiency ratio | 69.3978% | 3,938 |
| Assets per employee ($millions) | 3.8082% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8960% | 6,142 |
| Loan loss allowance to noncurrent loans | 25.4990% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 2.8315% | 1,452 |
| Noncurrent loans to loans | 3.5138% | 1,204 |
| Net loans and leases to total assets | 69.4117% | 1,995 |
| Net loans and leases to deposits | 86.5699% | 1,504 |
| Net loans and leases to core deposits | 90.0406% | 1,903 |
| Total domestic deposits to total assets | 80.1799% | 5,567 |
| Equity capital to assets | 14.1104% | 936 |
| Core capital (leverage) ratio | 13.8545% | 863 |
| Tier 1 risk-based capital ratio | 21.1786% | 1,453 |
| Total risk-based capital ratio | 22.1413% | 1,491 |
| Memoranda: |
| Average total assets | $967,207,330 | 682 |
| Average earning assets | $858,189,330 | 696 |
| Average equity | $136,551,670 | 538 |
| Average total loans | $680,618,330 | 614 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0575% | 810 |
| Cost of funding earning assets | 0.4778% | 4,298 |
| Net interest margin | 4.5797% | 578 |
| Noninterest income to average assets | 0.7815% | 2,205 |
| Noninterest expense to average assets | 3.4652% | 1,694 |
| Loan and lease loss provision to assets | 0.2155% | 1,723 |
| Net operating income to assets | 0.7753% | 3,306 |
| Return on assets (ROA) | 0.7753% | 3,442 |
| Pretax return on assets | 1.1723% | 2,677 |
| Return on Equity (ROE) | 5.4902% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.4902% | 2,960 |
| Net charge-offs to loans | 0.0969% | 2,885 |
| Credit loss provision to net charge-offs | 315.1515% | 768 |
| Earnings coverage of net charge-offs (x) | 20.2970% | 1,191 |
| Efficiency ratio | 70.6430% | 3,863 |
| Assets per employee ($millions) | 3.7837% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8308% | 6,406 |
| Loan loss allowance to noncurrent loans | 24.3144% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 3.1315% | 1,407 |
| Noncurrent loans to loans | 3.4169% | 1,407 |
| Net loans and leases to total assets | 69.6494% | 1,724 |
| Net loans and leases to deposits | 86.4711% | 1,297 |
| Net loans and leases to core deposits | 90.5354% | 1,653 |
| Total domestic deposits to total assets | 80.5464% | 5,615 |
| Equity capital to assets | 14.1227% | 991 |
| Core capital (leverage) ratio | 13.7007% | 874 |
| Tier 1 risk-based capital ratio | 21.2040% | 1,490 |
| Total risk-based capital ratio | 22.1132% | 1,542 |
| Memoranda: |
| Average total assets | $965,263,000 | 689 |
| Average earning assets | $858,135,500 | 702 |
| Average equity | $136,314,500 | 547 |
| Average total loans | $680,853,500 | 615 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3950% | 768 |
| Cost of funding earning assets | 0.5767% | 4,571 |
| Net interest margin | 4.8183% | 527 |
| Noninterest income to average assets | 0.7722% | 2,379 |
| Noninterest expense to average assets | 3.3671% | 2,135 |
| Loan and lease loss provision to assets | 0.2495% | 2,653 |
| Net operating income to assets | 0.9371% | 2,615 |
| Return on assets (ROA) | 0.9411% | 2,845 |
| Pretax return on assets | 1.4112% | 2,007 |
| Return on Equity (ROE) | 7.0382% | 3,622 |
| Retained earnings to average equity (ytd only) | 7.0382% | 1,550 |
| Net charge-offs to loans | 0.3238% | 3,029 |
| Credit loss provision to net charge-offs | 109.7905% | 2,668 |
| Earnings coverage of net charge-offs (x) | 7.2801% | 2,642 |
| Efficiency ratio | 66.2730% | 4,449 |
| Assets per employee ($millions) | 3.7870% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7836% | 6,517 |
| Loan loss allowance to noncurrent loans | 24.2301% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 2.9622% | 1,602 |
| Noncurrent loans to loans | 3.2342% | 1,597 |
| Net loans and leases to total assets | 70.2876% | 1,786 |
| Net loans and leases to deposits | 87.0679% | 1,379 |
| Net loans and leases to core deposits | 91.8722% | 1,642 |
| Total domestic deposits to total assets | 80.7274% | 5,474 |
| Equity capital to assets | 14.1213% | 997 |
| Core capital (leverage) ratio | 13.6665% | 897 |
| Tier 1 risk-based capital ratio | 20.9711% | 1,468 |
| Total risk-based capital ratio | 21.8291% | 1,522 |
| Memoranda: |
| Average total assets | $966,165,600 | 676 |
| Average earning assets | $852,127,400 | 703 |
| Average equity | $129,195,000 | 556 |
| Average total loans | $678,206,200 | 612 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3912% | 852 |
| Cost of funding earning assets | 0.5915% | 4,733 |
| Net interest margin | 4.7997% | 562 |
| Noninterest income to average assets | 0.7859% | 2,297 |
| Noninterest expense to average assets | 3.3486% | 2,135 |
| Loan and lease loss provision to assets | 0.2655% | 2,455 |
| Net operating income to assets | 0.9263% | 2,847 |
| Return on assets (ROA) | 0.9316% | 3,054 |
| Pretax return on assets | 1.4030% | 2,224 |
| Return on Equity (ROE) | 7.0650% | 3,770 |
| Retained earnings to average equity (ytd only) | 7.0650% | 2,089 |
| Net charge-offs to loans | 0.4180% | 2,418 |
| Credit loss provision to net charge-offs | 90.6867% | 3,273 |
| Earnings coverage of net charge-offs (x) | 5.6712% | 2,959 |
| Efficiency ratio | 66.0627% | 4,443 |
| Assets per employee ($millions) | 3.9225% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7255% | 6,710 |
| Loan loss allowance to noncurrent loans | 23.6810% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 3.0066% | 1,739 |
| Noncurrent loans to loans | 3.0636% | 1,817 |
| Net loans and leases to total assets | 69.2907% | 2,054 |
| Net loans and leases to deposits | 85.1600% | 1,706 |
| Net loans and leases to core deposits | 89.8298% | 2,007 |
| Total domestic deposits to total assets | 81.3653% | 5,246 |
| Equity capital to assets | 13.7053% | 1,269 |
| Core capital (leverage) ratio | 13.2296% | 1,094 |
| Tier 1 risk-based capital ratio | 20.6003% | 1,619 |
| Total risk-based capital ratio | 21.3948% | 1,691 |
| Memoranda: |
| Average total assets | $968,178,250 | 684 |
| Average earning assets | $851,856,750 | 708 |
| Average equity | $127,669,250 | 566 |
| Average total loans | $678,069,000 | 608 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2636% | 1,114 |
| Cost of funding earning assets | 0.6056% | 4,855 |
| Net interest margin | 4.6580% | 738 |
| Noninterest income to average assets | 0.7738% | 2,323 |
| Noninterest expense to average assets | 3.2958% | 2,319 |
| Loan and lease loss provision to assets | 0.3868% | 1,696 |
| Net operating income to assets | 0.7794% | 3,470 |
| Return on assets (ROA) | 0.7874% | 3,695 |
| Pretax return on assets | 1.1970% | 2,942 |
| Return on Equity (ROE) | 6.0509% | 4,301 |
| Retained earnings to average equity (ytd only) | 6.0509% | 2,686 |
| Net charge-offs to loans | 0.4898% | 2,112 |
| Credit loss provision to net charge-offs | 112.6354% | 2,418 |
| Earnings coverage of net charge-offs (x) | 4.5764% | 3,042 |
| Efficiency ratio | 66.8803% | 4,341 |
| Assets per employee ($millions) | 4.1330% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7762% | 6,721 |
| Loan loss allowance to noncurrent loans | 22.3917% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 2.9189% | 1,894 |
| Noncurrent loans to loans | 3.4665% | 1,657 |
| Net loans and leases to total assets | 69.3485% | 2,041 |
| Net loans and leases to deposits | 86.7950% | 1,503 |
| Net loans and leases to core deposits | 91.7506% | 1,804 |
| Total domestic deposits to total assets | 79.8992% | 5,764 |
| Equity capital to assets | 13.1324% | 1,457 |
| Core capital (leverage) ratio | 12.7182% | 1,250 |
| Tier 1 risk-based capital ratio | 19.8459% | 1,740 |
| Total risk-based capital ratio | 20.6978% | 1,832 |
| Memoranda: |
| Average total assets | $967,953,330 | 685 |
| Average earning assets | $850,668,330 | 707 |
| Average equity | $125,964,330 | 572 |
| Average total loans | $678,681,670 | 612 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3206% | 1,056 |
| Cost of funding earning assets | 0.6206% | 4,962 |
| Net interest margin | 4.7000% | 683 |
| Noninterest income to average assets | 0.7225% | 2,547 |
| Noninterest expense to average assets | 3.2660% | 2,395 |
| Loan and lease loss provision to assets | 0.2960% | 2,108 |
| Net operating income to assets | 0.8506% | 3,156 |
| Return on assets (ROA) | 0.8506% | 3,394 |
| Pretax return on assets | 1.2917% | 2,567 |
| Return on Equity (ROE) | 6.5667% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.5667% | 2,645 |
| Net charge-offs to loans | 0.0018% | 4,722 |
| Credit loss provision to net charge-offs | 23,733.3333% | 5 |
| Earnings coverage of net charge-offs (x) | 1,273.0000% | 11 |
| Efficiency ratio | 66.4325% | 4,476 |
| Assets per employee ($millions) | 3.8834% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8543% | 6,633 |
| Loan loss allowance to noncurrent loans | 25.8873% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 3.1086% | 1,869 |
| Noncurrent loans to loans | 3.3000% | 1,931 |
| Net loans and leases to total assets | 69.4885% | 1,840 |
| Net loans and leases to deposits | 91.1517% | 864 |
| Net loans and leases to core deposits | 96.8064% | 1,225 |
| Total domestic deposits to total assets | 76.2339% | 6,517 |
| Equity capital to assets | 13.0049% | 1,445 |
| Core capital (leverage) ratio | 12.5874% | 1,301 |
| Tier 1 risk-based capital ratio | 19.8743% | 1,737 |
| Total risk-based capital ratio | 20.8256% | 1,795 |
| Memoranda: |
| Average total assets | $962,164,500 | 690 |
| Average earning assets | $845,695,500 | 711 |
| Average equity | $124,628,500 | 575 |
| Average total loans | $675,720,500 | 615 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4781% | 1,214 |
| Cost of funding earning assets | 0.7538% | 5,180 |
| Net interest margin | 4.7243% | 713 |
| Noninterest income to average assets | 0.8580% | 1,811 |
| Noninterest expense to average assets | 3.8020% | 1,345 |
| Loan and lease loss provision to assets | 0.1830% | 4,361 |
| Net operating income to assets | 0.6409% | 3,781 |
| Return on assets (ROA) | 0.6267% | 4,049 |
| Pretax return on assets | 0.9474% | 3,438 |
| Return on Equity (ROE) | 4.3798% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.3798% | 3,060 |
| Net charge-offs to loans | 0.0676% | 5,632 |
| Credit loss provision to net charge-offs | 403.5912% | 568 |
| Earnings coverage of net charge-offs (x) | 25.4006% | 974 |
| Efficiency ratio | 75.6183% | 2,955 |
| Assets per employee ($millions) | 4.0062% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6894% | 6,918 |
| Loan loss allowance to noncurrent loans | 37.9242% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 2.2098% | 2,724 |
| Noncurrent loans to loans | 1.8179% | 3,443 |
| Net loans and leases to total assets | 69.8886% | 2,056 |
| Net loans and leases to deposits | 90.9302% | 1,062 |
| Net loans and leases to core deposits | 94.8352% | 1,609 |
| Total domestic deposits to total assets | 76.8596% | 6,356 |
| Equity capital to assets | 12.9000% | 1,541 |
| Core capital (leverage) ratio | 12.5319% | 1,337 |
| Tier 1 risk-based capital ratio | 20.3399% | 1,556 |
| Total risk-based capital ratio | 21.1314% | 1,637 |
| Memoranda: |
| Average total assets | $798,292,800 | 823 |
| Average earning assets | $692,097,800 | 872 |
| Average equity | $114,228,600 | 606 |
| Average total loans | $535,704,600 | 785 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4169% | 1,463 |
| Cost of funding earning assets | 0.7784% | 5,289 |
| Net interest margin | 4.6386% | 874 |
| Noninterest income to average assets | 0.8990% | 1,658 |
| Noninterest expense to average assets | 3.9451% | 1,079 |
| Loan and lease loss provision to assets | 0.1568% | 4,508 |
| Net operating income to assets | 0.5259% | 4,423 |
| Return on assets (ROA) | 0.5066% | 4,706 |
| Pretax return on assets | 0.7728% | 4,229 |
| Return on Equity (ROE) | 3.4345% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.4345% | 4,288 |
| Net charge-offs to loans | 0.0531% | 5,441 |
| Credit loss provision to net charge-offs | 446.5000% | 624 |
| Earnings coverage of net charge-offs (x) | 27.3050% | 996 |
| Efficiency ratio | 79.3263% | 2,358 |
| Assets per employee ($millions) | 3.8740% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6342% | 7,044 |
| Loan loss allowance to noncurrent loans | 45.8786% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 1.8387% | 3,349 |
| Noncurrent loans to loans | 1.3824% | 4,220 |
| Net loans and leases to total assets | 68.8010% | 2,313 |
| Net loans and leases to deposits | 91.5229% | 1,052 |
| Net loans and leases to core deposits | 95.0100% | 1,698 |
| Total domestic deposits to total assets | 75.1735% | 6,621 |
| Equity capital to assets | 12.5337% | 1,902 |
| Core capital (leverage) ratio | 12.1844% | 1,603 |
| Tier 1 risk-based capital ratio | 20.4315% | 1,580 |
| Total risk-based capital ratio | 21.1714% | 1,676 |
| Memoranda: |
| Average total assets | $759,497,250 | 868 |
| Average earning assets | $655,728,000 | 910 |
| Average equity | $112,036,250 | 621 |
| Average total loans | $501,881,750 | 844 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3794% | 1,625 |
| Cost of funding earning assets | 0.8175% | 5,257 |
| Net interest margin | 4.5618% | 990 |
| Noninterest income to average assets | 1.0141% | 1,288 |
| Noninterest expense to average assets | 3.8581% | 1,269 |
| Loan and lease loss provision to assets | 0.1060% | 4,982 |
| Net operating income to assets | 0.6058% | 4,040 |
| Return on assets (ROA) | 0.5751% | 4,311 |
| Pretax return on assets | 0.9153% | 3,566 |
| Return on Equity (ROE) | 3.6451% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.6451% | 3,907 |
| Net charge-offs to loans | 0.0326% | 5,391 |
| Credit loss provision to net charge-offs | 502.7397% | 602 |
| Earnings coverage of net charge-offs (x) | 50.7123% | 618 |
| Efficiency ratio | 77.1909% | 2,829 |
| Assets per employee ($millions) | 3.4569% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8409% | 6,797 |
| Loan loss allowance to noncurrent loans | 112.9509% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.5105% | 3,934 |
| Noncurrent loans to loans | 0.7445% | 5,424 |
| Net loans and leases to total assets | 63.8753% | 3,496 |
| Net loans and leases to deposits | 83.7641% | 2,143 |
| Net loans and leases to core deposits | 86.1199% | 2,884 |
| Total domestic deposits to total assets | 76.2562% | 6,562 |
| Equity capital to assets | 15.7348% | 652 |
| Core capital (leverage) ratio | 15.4388% | 596 |
| Tier 1 risk-based capital ratio | 26.5069% | 761 |
| Total risk-based capital ratio | 27.4409% | 777 |
| Memoranda: |
| Average total assets | $692,414,670 | 958 |
| Average earning assets | $593,972,000 | 1,006 |
| Average equity | $109,242,670 | 639 |
| Average total loans | $447,435,330 | 963 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4336% | 1,468 |
| Cost of funding earning assets | 0.8687% | 5,147 |
| Net interest margin | 4.5649% | 927 |
| Noninterest income to average assets | 0.8367% | 1,895 |
| Noninterest expense to average assets | 3.8926% | 1,179 |
| Loan and lease loss provision to assets | 0.0595% | 5,254 |
| Net operating income to assets | 0.4946% | 4,507 |
| Return on assets (ROA) | 0.4326% | 4,875 |
| Pretax return on assets | 0.7038% | 4,300 |
| Return on Equity (ROE) | 2.7384% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.7384% | 4,530 |
| Net charge-offs to loans | 0.0027% | 5,093 |
| Credit loss provision to net charge-offs | 3,400.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 491.6667% | 47 |
| Efficiency ratio | 80.7018% | 2,409 |
| Assets per employee ($millions) | 3.3841% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8160% | 6,880 |
| Loan loss allowance to noncurrent loans | 22.1957% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 3.1527% | 2,183 |
| Noncurrent loans to loans | 3.6765% | 2,006 |
| Net loans and leases to total assets | 64.1378% | 3,415 |
| Net loans and leases to deposits | 79.6362% | 2,781 |
| Net loans and leases to core deposits | 81.7981% | 3,482 |
| Total domestic deposits to total assets | 80.5385% | 5,808 |
| Equity capital to assets | 15.8846% | 597 |
| Core capital (leverage) ratio | 15.5935% | 566 |
| Tier 1 risk-based capital ratio | 24.0477% | 969 |
| Total risk-based capital ratio | 24.8648% | 992 |
| Memoranda: |
| Average total assets | $686,021,000 | 972 |
| Average earning assets | $588,486,000 | 1,021 |
| Average equity | $108,383,000 | 638 |
| Average total loans | $444,018,000 | 984 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9379% | 967 |
| Cost of funding earning assets | 1.0543% | 5,402 |
| Net interest margin | 4.8836% | 565 |
| Noninterest income to average assets | 0.8465% | 2,074 |
| Noninterest expense to average assets | 3.7335% | 1,623 |
| Loan and lease loss provision to assets | 0.1338% | 5,837 |
| Net operating income to assets | 0.7997% | 2,802 |
| Return on assets (ROA) | 0.6790% | 3,440 |
| Pretax return on assets | 1.0117% | 2,894 |
| Return on Equity (ROE) | 4.2155% | 4,424 |
| Retained earnings to average equity (ytd only) | 4.2155% | 2,892 |
| Net charge-offs to loans | 0.0508% | 6,286 |
| Credit loss provision to net charge-offs | 396.7890% | 621 |
| Earnings coverage of net charge-offs (x) | 39.3211% | 592 |
| Efficiency ratio | 72.8076% | 3,637 |
| Assets per employee ($millions) | 3.2468% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7945% | 6,978 |
| Loan loss allowance to noncurrent loans | 21.0294% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 3.2770% | 2,156 |
| Noncurrent loans to loans | 3.7780% | 1,960 |
| Net loans and leases to total assets | 64.2673% | 3,818 |
| Net loans and leases to deposits | 78.3557% | 3,455 |
| Net loans and leases to core deposits | 80.6001% | 4,116 |
| Total domestic deposits to total assets | 82.0200% | 5,181 |
| Equity capital to assets | 15.7128% | 641 |
| Core capital (leverage) ratio | 15.4572% | 591 |
| Tier 1 risk-based capital ratio | 22.8518% | 1,058 |
| Total risk-based capital ratio | 23.6502% | 1,104 |
| Memoranda: |
| Average total assets | $646,657,000 | 1,032 |
| Average earning assets | $557,810,400 | 1,089 |
| Average equity | $104,163,200 | 652 |
| Average total loans | $429,344,600 | 1,041 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0014% | 932 |
| Cost of funding earning assets | 1.0852% | 5,520 |
| Net interest margin | 4.9161% | 537 |
| Noninterest income to average assets | 0.8047% | 2,213 |
| Noninterest expense to average assets | 3.7700% | 1,429 |
| Loan and lease loss provision to assets | 0.1503% | 5,536 |
| Net operating income to assets | 0.7585% | 3,185 |
| Return on assets (ROA) | 0.6243% | 3,947 |
| Pretax return on assets | 0.9278% | 3,456 |
| Return on Equity (ROE) | 3.8504% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.8504% | 3,752 |
| Net charge-offs to loans | 0.0592% | 5,921 |
| Credit loss provision to net charge-offs | 379.8942% | 820 |
| Earnings coverage of net charge-offs (x) | 32.3179% | 832 |
| Efficiency ratio | 73.7117% | 3,377 |
| Assets per employee ($millions) | 3.3251% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7508% | 7,107 |
| Loan loss allowance to noncurrent loans | 16.3358% | 7,038 |
| Noncurrent assets plus other real estate owned to assets | 3.3193% | 2,141 |
| Noncurrent loans to loans | 4.5962% | 1,555 |
| Net loans and leases to total assets | 66.0690% | 3,675 |
| Net loans and leases to deposits | 80.8841% | 3,292 |
| Net loans and leases to core deposits | 83.2581% | 4,058 |
| Total domestic deposits to total assets | 81.6835% | 5,133 |
| Equity capital to assets | 15.5309% | 765 |
| Core capital (leverage) ratio | 15.2679% | 665 |
| Tier 1 risk-based capital ratio | 22.3286% | 1,158 |
| Total risk-based capital ratio | 23.0965% | 1,203 |
| Memoranda: |
| Average total assets | $637,051,500 | 1,056 |
| Average earning assets | $549,905,750 | 1,107 |
| Average equity | $103,292,750 | 642 |
| Average total loans | $425,728,750 | 1,060 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9783% | 996 |
| Cost of funding earning assets | 1.0870% | 5,750 |
| Net interest margin | 4.8913% | 547 |
| Noninterest income to average assets | 0.7207% | 2,570 |
| Noninterest expense to average assets | 3.7423% | 1,469 |
| Loan and lease loss provision to assets | 0.1768% | 5,101 |
| Net operating income to assets | 0.7015% | 3,399 |
| Return on assets (ROA) | 0.6828% | 3,620 |
| Pretax return on assets | 1.0161% | 3,057 |
| Return on Equity (ROE) | 4.1470% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.1470% | 3,431 |
| Net charge-offs to loans | 0.0845% | 5,296 |
| Credit loss provision to net charge-offs | 312.5000% | 1,165 |
| Earnings coverage of net charge-offs (x) | 21.5795% | 1,169 |
| Efficiency ratio | 74.4948% | 3,374 |
| Assets per employee ($millions) | 3.4190% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7098% | 7,225 |
| Loan loss allowance to noncurrent loans | 15.8861% | 7,116 |
| Noncurrent assets plus other real estate owned to assets | 3.2786% | 2,145 |
| Noncurrent loans to loans | 4.4681% | 1,631 |
| Net loans and leases to total assets | 65.8865% | 3,860 |
| Net loans and leases to deposits | 83.2179% | 3,029 |
| Net loans and leases to core deposits | 86.2623% | 3,793 |
| Total domestic deposits to total assets | 79.1735% | 5,987 |
| Equity capital to assets | 15.1222% | 850 |
| Core capital (leverage) ratio | 14.8792% | 750 |
| Tier 1 risk-based capital ratio | 21.5763% | 1,258 |
| Total risk-based capital ratio | 22.2941% | 1,307 |
| Memoranda: |
| Average total assets | $622,186,000 | 1,083 |
| Average earning assets | $539,651,670 | 1,142 |
| Average equity | $102,435,000 | 645 |
| Average total loans | $416,383,330 | 1,095 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4453% | 2,836 |
| Cost of funding earning assets | 1.0813% | 5,983 |
| Net interest margin | 4.3640% | 1,491 |
| Noninterest income to average assets | 0.6892% | 2,669 |
| Noninterest expense to average assets | 3.5268% | 1,918 |
| Loan and lease loss provision to assets | 0.2381% | 4,139 |
| Net operating income to assets | 0.5089% | 4,348 |
| Return on assets (ROA) | 0.5089% | 4,487 |
| Pretax return on assets | 0.7518% | 4,052 |
| Return on Equity (ROE) | 2.9497% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.9497% | 4,358 |
| Net charge-offs to loans | 0.1396% | 4,097 |
| Credit loss provision to net charge-offs | 253.6232% | 1,526 |
| Earnings coverage of net charge-offs (x) | 10.5435% | 1,733 |
| Efficiency ratio | 77.4213% | 2,992 |
| Assets per employee ($millions) | 3.5535% | 4,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6829% | 7,367 |
| Loan loss allowance to noncurrent loans | 17.3250% | 7,137 |
| Noncurrent assets plus other real estate owned to assets | 2.9295% | 2,446 |
| Noncurrent loans to loans | 3.9416% | 2,003 |
| Net loans and leases to total assets | 66.6053% | 3,724 |
| Net loans and leases to deposits | 81.7664% | 3,326 |
| Net loans and leases to core deposits | 85.7041% | 3,943 |
| Total domestic deposits to total assets | 81.4580% | 5,288 |
| Equity capital to assets | 15.1012% | 857 |
| Core capital (leverage) ratio | 14.9420% | 758 |
| Tier 1 risk-based capital ratio | 20.6555% | 1,400 |
| Total risk-based capital ratio | 21.3204% | 1,481 |
| Memoranda: |
| Average total assets | $587,960,000 | 1,179 |
| Average earning assets | $515,675,500 | 1,228 |
| Average equity | $101,432,500 | 656 |
| Average total loans | $395,430,000 | 1,192 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2551% | 1,107 |
| Cost of funding earning assets | 1.3884% | 5,979 |
| Net interest margin | 4.8667% | 606 |
| Noninterest income to average assets | 0.7552% | 2,645 |
| Noninterest expense to average assets | 3.5425% | 2,286 |
| Loan and lease loss provision to assets | 0.1730% | 5,965 |
| Net operating income to assets | 1.0088% | 1,808 |
| Return on assets (ROA) | 0.8092% | 2,583 |
| Pretax return on assets | 1.1891% | 1,983 |
| Return on Equity (ROE) | 4.2266% | 3,992 |
| Retained earnings to average equity (ytd only) | 4.2266% | 2,259 |
| Net charge-offs to loans | 0.1377% | 5,839 |
| Credit loss provision to net charge-offs | 184.4350% | 2,218 |
| Earnings coverage of net charge-offs (x) | 17.6461% | 1,174 |
| Efficiency ratio | 67.6416% | 5,071 |
| Assets per employee ($millions) | 3.2099% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8519% | 6,975 |
| Loan loss allowance to noncurrent loans | 249.3506% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 6,655 |
| Noncurrent loans to loans | 0.3416% | 6,595 |
| Net loans and leases to total assets | 66.9374% | 3,941 |
| Net loans and leases to deposits | 88.1960% | 2,527 |
| Net loans and leases to core deposits | 106.0631% | 3,326 |
| Total domestic deposits to total assets | 75.8962% | 6,698 |
| Equity capital to assets | 20.1510% | 287 |
| Core capital (leverage) ratio | 20.2360% | 265 |
| Tier 1 risk-based capital ratio | 29.8551% | 531 |
| Total risk-based capital ratio | 30.7432% | 537 |
| Memoranda: |
| Average total assets | $499,874,400 | 1,376 |
| Average earning assets | $456,349,000 | 1,380 |
| Average equity | $95,704,000 | 684 |
| Average total loans | $340,622,200 | 1,422 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3615% | 1,001 |
| Cost of funding earning assets | 1.4163% | 6,164 |
| Net interest margin | 4.9452% | 503 |
| Noninterest income to average assets | 0.7135% | 2,929 |
| Noninterest expense to average assets | 3.5141% | 2,247 |
| Loan and lease loss provision to assets | 0.1892% | 5,483 |
| Net operating income to assets | 1.0500% | 1,901 |
| Return on assets (ROA) | 1.1263% | 1,722 |
| Pretax return on assets | 1.6499% | 1,070 |
| Return on Equity (ROE) | 5.9615% | 3,544 |
| Retained earnings to average equity (ytd only) | 5.9615% | 1,970 |
| Net charge-offs to loans | 0.1071% | 5,599 |
| Credit loss provision to net charge-offs | 258.7591% | 1,652 |
| Earnings coverage of net charge-offs (x) | 23.6170% | 1,113 |
| Efficiency ratio | 66.5479% | 5,279 |
| Assets per employee ($millions) | 3.2488% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8518% | 6,945 |
| Loan loss allowance to noncurrent loans | 112.3030% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 6,183 |
| Noncurrent loans to loans | 0.7585% | 5,789 |
| Net loans and leases to total assets | 67.0884% | 4,164 |
| Net loans and leases to deposits | 88.3654% | 2,893 |
| Net loans and leases to core deposits | 107.5228% | 3,534 |
| Total domestic deposits to total assets | 75.9216% | 6,598 |
| Equity capital to assets | 19.5363% | 372 |
| Core capital (leverage) ratio | 19.8597% | 318 |
| Tier 1 risk-based capital ratio | 29.4877% | 601 |
| Total risk-based capital ratio | 30.3790% | 604 |
| Memoranda: |
| Average total assets | $499,655,500 | 1,396 |
| Average earning assets | $457,426,000 | 1,394 |
| Average equity | $94,403,500 | 694 |
| Average total loans | $341,260,500 | 1,430 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3891% | 1,028 |
| Cost of funding earning assets | 1.4546% | 6,311 |
| Net interest margin | 4.9345% | 500 |
| Noninterest income to average assets | 0.7183% | 2,878 |
| Noninterest expense to average assets | 3.4263% | 2,548 |
| Loan and lease loss provision to assets | 0.1697% | 5,368 |
| Net operating income to assets | 1.0695% | 1,873 |
| Return on assets (ROA) | 1.1531% | 1,685 |
| Pretax return on assets | 1.7528% | 925 |
| Return on Equity (ROE) | 6.1744% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.1744% | 1,938 |
| Net charge-offs to loans | 0.0423% | 5,872 |
| Credit loss provision to net charge-offs | 586.1111% | 799 |
| Earnings coverage of net charge-offs (x) | 62.0139% | 578 |
| Efficiency ratio | 65.1186% | 5,694 |
| Assets per employee ($millions) | 3.0743% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8151% | 7,103 |
| Loan loss allowance to noncurrent loans | 124.8899% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 6,301 |
| Noncurrent loans to loans | 0.6526% | 5,949 |
| Net loans and leases to total assets | 69.2695% | 3,886 |
| Net loans and leases to deposits | 91.4356% | 2,584 |
| Net loans and leases to core deposits | 111.5328% | 3,200 |
| Total domestic deposits to total assets | 75.7578% | 6,601 |
| Equity capital to assets | 19.2567% | 432 |
| Core capital (leverage) ratio | 19.7853% | 372 |
| Tier 1 risk-based capital ratio | 29.2631% | 646 |
| Total risk-based capital ratio | 30.1072% | 657 |
| Memoranda: |
| Average total assets | $497,269,000 | 1,424 |
| Average earning assets | $453,869,330 | 1,419 |
| Average equity | $92,867,000 | 716 |
| Average total loans | $340,702,330 | 1,462 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3245% | 1,231 |
| Cost of funding earning assets | 1.4762% | 6,478 |
| Net interest margin | 4.8484% | 550 |
| Noninterest income to average assets | 0.6883% | 2,960 |
| Noninterest expense to average assets | 3.1895% | 3,037 |
| Loan and lease loss provision to assets | 0.1401% | 5,158 |
| Net operating income to assets | 1.1726% | 1,732 |
| Return on assets (ROA) | 1.2470% | 1,624 |
| Pretax return on assets | 1.8870% | 824 |
| Return on Equity (ROE) | 6.7829% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.7829% | 2,294 |
| Net charge-offs to loans | -0.0012% | 7,100 |
| Credit loss provision to net charge-offs | -17,400.0000% | 6,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0189% | 6,044 |
| Assets per employee ($millions) | 3.1444% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7877% | 7,202 |
| Loan loss allowance to noncurrent loans | 111.5352% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 6,058 |
| Noncurrent loans to loans | 0.7062% | 5,648 |
| Net loans and leases to total assets | 66.9898% | 4,346 |
| Net loans and leases to deposits | 88.1031% | 3,274 |
| Net loans and leases to core deposits | 107.2915% | 3,764 |
| Total domestic deposits to total assets | 76.0357% | 6,507 |
| Equity capital to assets | 18.4572% | 547 |
| Core capital (leverage) ratio | 19.1930% | 435 |
| Tier 1 risk-based capital ratio | 32.6226% | 504 |
| Total risk-based capital ratio | 33.5126% | 505 |
| Memoranda: |
| Average total assets | $496,883,500 | 1,428 |
| Average earning assets | $452,523,500 | 1,428 |
| Average equity | $91,347,500 | 724 |
| Average total loans | $337,141,000 | 1,494 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4156% | 3,332 |
| Cost of funding earning assets | 2.0801% | 6,133 |
| Net interest margin | 4.3356% | 1,869 |
| Noninterest income to average assets | 0.7247% | 2,943 |
| Noninterest expense to average assets | 3.0565% | 3,872 |
| Loan and lease loss provision to assets | 0.9066% | 1,650 |
| Net operating income to assets | 0.5221% | 4,641 |
| Return on assets (ROA) | 0.5614% | 4,329 |
| Pretax return on assets | 0.8006% | 4,066 |
| Return on Equity (ROE) | 4.3907% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.3907% | 2,387 |
| Net charge-offs to loans | 0.0779% | 5,648 |
| Credit loss provision to net charge-offs | 1,676.2097% | 256 |
| Earnings coverage of net charge-offs (x) | 30.5282% | 1,159 |
| Efficiency ratio | 64.3195% | 5,496 |
| Assets per employee ($millions) | 3.1859% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7377% | 7,335 |
| Loan loss allowance to noncurrent loans | 187.4717% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 6,506 |
| Noncurrent loans to loans | 0.3935% | 6,163 |
| Net loans and leases to total assets | 67.6816% | 4,518 |
| Net loans and leases to deposits | 93.8209% | 2,799 |
| Net loans and leases to core deposits | 112.9842% | 3,448 |
| Total domestic deposits to total assets | 72.1392% | 6,972 |
| Equity capital to assets | 18.3101% | 616 |
| Core capital (leverage) ratio | 19.1011% | 505 |
| Tier 1 risk-based capital ratio | 32.5044% | 527 |
| Total risk-based capital ratio | 33.3462% | 531 |
| Memoranda: |
| Average total assets | $458,526,400 | 1,495 |
| Average earning assets | $421,237,400 | 1,478 |
| Average equity | $58,624,000 | 1,142 |
| Average total loans | $318,182,600 | 1,522 |
