| 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 | 7.9318% | 126 |
| Cost of funding earning assets | 1.7763% | 1,289 |
| Net interest margin | 6.1556% | 100 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.9761% | 3,688 |
| Loan and lease loss provision to assets | -0.1100% | 4,523 |
| Net operating income to assets | 4.2106% | 92 |
| Return on assets (ROA) | 4.2106% | 94 |
| Pretax return on assets | 4.2106% | 109 |
| Return on Equity (ROE) | 33.7600% | 136 |
| Retained earnings to average equity (ytd only) | 11.4757% | 706 |
| Net charge-offs to loans | -0.1174% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 32.4295% | 4,480 |
| Assets per employee ($millions) | 8.7012% | 1,106 |
| Cash dividends to net income (ytd only)* | 66.0099% | 966 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7447% | 4,062 |
| Loan loss allowance to noncurrent loans | 78.6713% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7842% | 656 |
| Noncurrent loans to loans | 0.9466% | 783 |
| Net loans and leases to total assets | 82.0900% | 425 |
| Net loans and leases to deposits | 93.6998% | 961 |
| Net loans and leases to core deposits | 95.5832% | 1,678 |
| Total domestic deposits to total assets | 87.6100% | 1,483 |
| Equity capital to assets | 11.9262% | 1,152 |
| Core capital (leverage) ratio | 10.6966% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6121% | 2,867 |
| Memoranda: |
| Average total assets | $4,281,504,400 | 308 |
| Average earning assets | $4,031,123,200 | 298 |
| Average equity | $533,964,600 | 252 |
| Average total loans | $3,660,738,200 | 258 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8563% | 120 |
| Cost of funding earning assets | 1.6690% | 1,239 |
| Net interest margin | 6.1873% | 94 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.9688% | 3,671 |
| Loan and lease loss provision to assets | -0.1500% | 4,571 |
| Net operating income to assets | 4.2778% | 101 |
| Return on assets (ROA) | 4.2778% | 101 |
| Pretax return on assets | 4.2778% | 117 |
| Return on Equity (ROE) | 33.9000% | 171 |
| Retained earnings to average equity (ytd only) | 25.6265% | 133 |
| Net charge-offs to loans | -0.1572% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 32.1823% | 4,499 |
| Assets per employee ($millions) | 8.3124% | 1,205 |
| Cash dividends to net income (ytd only)* | 24.4067% | 2,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7726% | 4,030 |
| Loan loss allowance to noncurrent loans | 82.3145% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 695 |
| Noncurrent loans to loans | 0.9386% | 877 |
| Net loans and leases to total assets | 84.6700% | 233 |
| Net loans and leases to deposits | 98.4167% | 590 |
| Net loans and leases to core deposits | 100.5683% | 1,288 |
| Total domestic deposits to total assets | 86.0300% | 2,182 |
| Equity capital to assets | 13.5030% | 724 |
| Core capital (leverage) ratio | 11.8889% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7902% | 2,671 |
| Memoranda: |
| Average total assets | $4,214,202,250 | 312 |
| Average earning assets | $3,963,640,250 | 301 |
| Average equity | $531,774,250 | 254 |
| Average total loans | $3,635,007,750 | 262 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.6201% | 123 |
| Cost of funding earning assets | 1.4889% | 1,264 |
| Net interest margin | 6.1313% | 98 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 1.9998% | 3,602 |
| Loan and lease loss provision to assets | -0.2100% | 4,613 |
| Net operating income to assets | 4.2968% | 87 |
| Return on assets (ROA) | 4.2968% | 88 |
| Pretax return on assets | 4.2968% | 100 |
| Return on Equity (ROE) | 34.8900% | 151 |
| Retained earnings to average equity (ytd only) | 26.3420% | 102 |
| Net charge-offs to loans | -0.2392% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 32.7667% | 4,522 |
| Assets per employee ($millions) | 8.3158% | 1,177 |
| Cash dividends to net income (ytd only)* | 24.5093% | 2,271 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7821% | 4,057 |
| Loan loss allowance to noncurrent loans | 153.3728% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 1,104 |
| Noncurrent loans to loans | 0.5099% | 1,438 |
| Net loans and leases to total assets | 85.5300% | 180 |
| Net loans and leases to deposits | 98.6382% | 577 |
| Net loans and leases to core deposits | 100.7407% | 1,195 |
| Total domestic deposits to total assets | 86.7100% | 2,019 |
| Equity capital to assets | 12.8741% | 842 |
| Core capital (leverage) ratio | 11.4026% | 1,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2496% | 2,810 |
| Memoranda: |
| Average total assets | $4,178,128,000 | 304 |
| Average earning assets | $3,925,387,333 | 294 |
| Average equity | $514,479,333 | 251 |
| Average total loans | $3,617,302,667 | 253 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3576% | 88 |
| Cost of funding earning assets | 1.2760% | 1,282 |
| Net interest margin | 6.0816% | 94 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 1.8894% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 4.1435% | 96 |
| Return on assets (ROA) | 4.1435% | 94 |
| Pretax return on assets | 4.1435% | 106 |
| Return on Equity (ROE) | 34.4600% | 165 |
| Retained earnings to average equity (ytd only) | 25.2055% | 173 |
| Net charge-offs to loans | -0.0104% | 3,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 31.2238% | 4,596 |
| Assets per employee ($millions) | 8.1263% | 1,281 |
| Cash dividends to net income (ytd only)* | 26.8535% | 1,822 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8052% | 4,074 |
| Loan loss allowance to noncurrent loans | 102.7086% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 671 |
| Noncurrent loans to loans | 0.7839% | 981 |
| Net loans and leases to total assets | 85.0100% | 184 |
| Net loans and leases to deposits | 97.2563% | 581 |
| Net loans and leases to core deposits | 99.3045% | 1,123 |
| Total domestic deposits to total assets | 87.4000% | 2,133 |
| Equity capital to assets | 12.2289% | 935 |
| Core capital (leverage) ratio | 10.6745% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6227% | 2,985 |
| Memoranda: |
| Average total assets | $4,134,180,000 | 317 |
| Average earning assets | $3,881,233,500 | 306 |
| Average equity | $497,113,000 | 265 |
| Average total loans | $3,587,206,000 | 260 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9826% | 310 |
| Cost of funding earning assets | 0.4011% | 2,093 |
| Net interest margin | 4.5815% | 252 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.8754% | 3,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.7347% | 128 |
| Return on assets (ROA) | 2.7347% | 125 |
| Pretax return on assets | 2.7347% | 158 |
| Return on Equity (ROE) | 22.8300% | 284 |
| Retained earnings to average equity (ytd only) | 5.5414% | 2,813 |
| Net charge-offs to loans | -0.0054% | 3,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.6511% | 4,525 |
| Assets per employee ($millions) | 8.0379% | 1,299 |
| Cash dividends to net income (ytd only)* | 75.7284% | 530 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8784% | 3,841 |
| Loan loss allowance to noncurrent loans | 88.9370% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 476 |
| Noncurrent loans to loans | 0.9877% | 743 |
| Net loans and leases to total assets | 87.1000% | 101 |
| Net loans and leases to deposits | 98.9271% | 480 |
| Net loans and leases to core deposits | 100.7620% | 958 |
| Total domestic deposits to total assets | 88.0500% | 2,058 |
| Equity capital to assets | 11.8142% | 987 |
| Core capital (leverage) ratio | 10.0149% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.7043% | 3,045 |
| Memoranda: |
| Average total assets | $4,023,655,800 | 312 |
| Average earning assets | $3,778,459,400 | 301 |
| Average equity | $481,957,600 | 271 |
| Average total loans | $3,283,525,800 | 263 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3856% | 601 |
| Cost of funding earning assets | 0.2672% | 2,517 |
| Net interest margin | 4.1183% | 498 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.8582% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.3040% | 189 |
| Return on assets (ROA) | 2.3040% | 186 |
| Pretax return on assets | 2.3040% | 270 |
| Return on Equity (ROE) | 19.1700% | 514 |
| Retained earnings to average equity (ytd only) | 15.4827% | 322 |
| Net charge-offs to loans | 0.0069% | 1,898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 417.5181% | 368 |
| Efficiency ratio | 44.6125% | 4,443 |
| Assets per employee ($millions) | 7.8622% | 1,394 |
| Cash dividends to net income (ytd only)* | 19.2287% | 2,493 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9196% | 3,798 |
| Loan loss allowance to noncurrent loans | 103.3929% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.8041% | 625 |
| Noncurrent loans to loans | 0.8894% | 883 |
| Net loans and leases to total assets | 83.2800% | 300 |
| Net loans and leases to deposits | 95.5594% | 574 |
| Net loans and leases to core deposits | 97.7029% | 914 |
| Total domestic deposits to total assets | 87.1500% | 2,711 |
| Equity capital to assets | 12.6874% | 733 |
| Core capital (leverage) ratio | 10.9407% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9489% | 3,044 |
| Memoranda: |
| Average total assets | $4,010,770,750 | 313 |
| Average earning assets | $3,769,494,500 | 303 |
| Average equity | $482,084,500 | 273 |
| Average total loans | $3,209,146,500 | 266 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9047% | 1,106 |
| Cost of funding earning assets | 0.1754% | 3,244 |
| Net interest margin | 3.7292% | 869 |
| Noninterest income to average assets | 0.3531% | 3,040 |
| Noninterest expense to average assets | 1.8095% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0461% | 209 |
| Return on assets (ROA) | 2.0461% | 213 |
| Pretax return on assets | 2.0461% | 343 |
| Return on Equity (ROE) | 17.3459% | 529 |
| Retained earnings to average equity (ytd only) | 14.5254% | 310 |
| Net charge-offs to loans | 0.0140% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 185.4434% | 565 |
| Efficiency ratio | 46.8968% | 4,400 |
| Assets per employee ($millions) | 7.5544% | 1,577 |
| Cash dividends to net income (ytd only)* | 16.2604% | 2,606 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9684% | 3,736 |
| Loan loss allowance to noncurrent loans | 66.3888% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.3470% | 290 |
| Noncurrent loans to loans | 1.4586% | 512 |
| Net loans and leases to total assets | 81.3247% | 327 |
| Net loans and leases to deposits | 93.1137% | 552 |
| Net loans and leases to core deposits | 95.4063% | 851 |
| Total domestic deposits to total assets | 87.3391% | 2,815 |
| Equity capital to assets | 12.5220% | 755 |
| Core capital (leverage) ratio | 10.4759% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $4,005,883,667 | 312 |
| Average earning assets | $3,762,430,000 | 307 |
| Average equity | $472,538,000 | 277 |
| Average total loans | $3,151,083,000 | 270 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6774% | 1,325 |
| Cost of funding earning assets | 0.1307% | 3,763 |
| Net interest margin | 3.5467% | 991 |
| Noninterest income to average assets | 0.3292% | 3,134 |
| Noninterest expense to average assets | 1.7830% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8803% | 285 |
| Return on assets (ROA) | 1.8803% | 285 |
| Pretax return on assets | 1.8803% | 461 |
| Return on Equity (ROE) | 16.4264% | 488 |
| Retained earnings to average equity (ytd only) | 16.4264% | 210 |
| Net charge-offs to loans | 0.0419% | 862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 58.3058% | 861 |
| Efficiency ratio | 48.6351% | 4,373 |
| Assets per employee ($millions) | 7.6536% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9769% | 3,809 |
| Loan loss allowance to noncurrent loans | 92.5321% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 513 |
| Noncurrent loans to loans | 1.0557% | 853 |
| Net loans and leases to total assets | 78.9847% | 294 |
| Net loans and leases to deposits | 89.7899% | 524 |
| Net loans and leases to core deposits | 92.2872% | 799 |
| Total domestic deposits to total assets | 87.9661% | 2,539 |
| Equity capital to assets | 11.9280% | 985 |
| Core capital (leverage) ratio | 9.8964% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $4,056,015,000 | 315 |
| Average earning assets | $3,812,862,000 | 309 |
| Average equity | $464,276,000 | 287 |
| Average total loans | $3,122,978,000 | 270 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9276% | 1,545 |
| Cost of funding earning assets | 0.1308% | 4,148 |
| Net interest margin | 3.7968% | 1,014 |
| Noninterest income to average assets | 0.3985% | 3,057 |
| Noninterest expense to average assets | 1.8338% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1049% | 286 |
| Return on assets (ROA) | 2.1049% | 301 |
| Pretax return on assets | 2.1049% | 491 |
| Return on Equity (ROE) | 16.0747% | 749 |
| Retained earnings to average equity (ytd only) | -4.0984% | 4,685 |
| Net charge-offs to loans | -0.0207% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2850% | 4,485 |
| Assets per employee ($millions) | 8.0384% | 1,309 |
| Cash dividends to net income (ytd only)* | 125.4962% | 108 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0164% | 3,673 |
| Loan loss allowance to noncurrent loans | 132.6224% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 874 |
| Noncurrent loans to loans | 0.7664% | 1,324 |
| Net loans and leases to total assets | 73.5850% | 697 |
| Net loans and leases to deposits | 82.7654% | 1,000 |
| Net loans and leases to core deposits | 84.9193% | 1,268 |
| Total domestic deposits to total assets | 88.9079% | 1,563 |
| Equity capital to assets | 10.9847% | 1,800 |
| Core capital (leverage) ratio | 9.6598% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,750,960,400 | 316 |
| Average earning assets | $3,497,421,800 | 312 |
| Average equity | $491,163,200 | 270 |
| Average total loans | $2,917,374,000 | 276 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0902% | 1,327 |
| Cost of funding earning assets | 0.1347% | 4,233 |
| Net interest margin | 3.9555% | 856 |
| Noninterest income to average assets | 0.4191% | 2,985 |
| Noninterest expense to average assets | 1.8574% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2392% | 299 |
| Return on assets (ROA) | 2.2392% | 319 |
| Pretax return on assets | 2.2392% | 506 |
| Return on Equity (ROE) | 16.3540% | 877 |
| Retained earnings to average equity (ytd only) | 13.1340% | 616 |
| Net charge-offs to loans | -0.0128% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0709% | 4,538 |
| Assets per employee ($millions) | 7.1675% | 1,761 |
| Cash dividends to net income (ytd only)* | 19.6897% | 2,573 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1028% | 3,427 |
| Loan loss allowance to noncurrent loans | 120.6761% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 824 |
| Noncurrent loans to loans | 0.9138% | 1,263 |
| Net loans and leases to total assets | 73.4832% | 735 |
| Net loans and leases to deposits | 85.4947% | 862 |
| Net loans and leases to core deposits | 87.8488% | 1,160 |
| Total domestic deposits to total assets | 85.9505% | 2,768 |
| Equity capital to assets | 13.8764% | 761 |
| Core capital (leverage) ratio | 12.0167% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,653,750,500 | 322 |
| Average earning assets | $3,396,956,000 | 316 |
| Average equity | $500,268,250 | 270 |
| Average total loans | $2,877,330,000 | 280 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1065% | 1,334 |
| Cost of funding earning assets | 0.1403% | 4,276 |
| Net interest margin | 3.9662% | 869 |
| Noninterest income to average assets | 0.4230% | 2,991 |
| Noninterest expense to average assets | 1.8540% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.2478% | 309 |
| Return on assets (ROA) | 2.2478% | 330 |
| Pretax return on assets | 2.2478% | 527 |
| Return on Equity (ROE) | 16.4946% | 864 |
| Retained earnings to average equity (ytd only) | 13.2222% | 683 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9264% | 4,575 |
| Assets per employee ($millions) | 7.0452% | 1,769 |
| Cash dividends to net income (ytd only)* | 19.8389% | 2,520 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0811% | 3,495 |
| Loan loss allowance to noncurrent loans | 86.5816% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.7711% | 266 |
| Noncurrent loans to loans | 1.2487% | 956 |
| Net loans and leases to total assets | 76.7589% | 523 |
| Net loans and leases to deposits | 89.2669% | 697 |
| Net loans and leases to core deposits | 91.6705% | 1,029 |
| Total domestic deposits to total assets | 85.9881% | 2,744 |
| Equity capital to assets | 13.8774% | 737 |
| Core capital (leverage) ratio | 11.5748% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,612,568,333 | 325 |
| Average earning assets | $3,350,757,333 | 319 |
| Average equity | $492,306,667 | 271 |
| Average total loans | $2,900,897,000 | 278 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0662% | 1,471 |
| Cost of funding earning assets | 0.1496% | 4,306 |
| Net interest margin | 3.9166% | 956 |
| Noninterest income to average assets | 0.3625% | 3,275 |
| Noninterest expense to average assets | 1.7969% | 4,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2006% | 417 |
| Return on assets (ROA) | 2.2006% | 453 |
| Pretax return on assets | 2.2006% | 687 |
| Return on Equity (ROE) | 16.3004% | 958 |
| Retained earnings to average equity (ytd only) | 16.3004% | 484 |
| Net charge-offs to loans | -0.0346% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6689% | 4,544 |
| Assets per employee ($millions) | 7.1938% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0491% | 3,651 |
| Loan loss allowance to noncurrent loans | 55.4462% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.7260% | 332 |
| Noncurrent loans to loans | 1.8920% | 590 |
| Net loans and leases to total assets | 79.6724% | 353 |
| Net loans and leases to deposits | 92.2444% | 583 |
| Net loans and leases to core deposits | 94.9393% | 926 |
| Total domestic deposits to total assets | 86.3710% | 2,593 |
| Equity capital to assets | 13.5084% | 784 |
| Core capital (leverage) ratio | 11.5817% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,590,631,000 | 324 |
| Average earning assets | $3,332,485,500 | 318 |
| Average equity | $484,750,000 | 271 |
| Average total loans | $2,932,685,500 | 276 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2910% | 1,892 |
| Cost of funding earning assets | 0.3482% | 3,880 |
| Net interest margin | 3.9428% | 1,109 |
| Noninterest income to average assets | 0.3626% | 3,300 |
| Noninterest expense to average assets | 1.8778% | 4,355 |
| Loan and lease loss provision to assets | 0.2449% | 1,583 |
| Net operating income to assets | 1.8962% | 323 |
| Return on assets (ROA) | 1.8962% | 345 |
| Pretax return on assets | 1.8962% | 555 |
| Return on Equity (ROE) | 14.7435% | 680 |
| Retained earnings to average equity (ytd only) | 10.5260% | 490 |
| Net charge-offs to loans | 0.0187% | 2,701 |
| Credit loss provision to net charge-offs | 1,551.3514% | 537 |
| Earnings coverage of net charge-offs (x) | 135.6432% | 626 |
| Efficiency ratio | 46.1874% | 4,711 |
| Assets per employee ($millions) | 6.9558% | 1,614 |
| Cash dividends to net income (ytd only)* | 28.6057% | 2,908 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0515% | 3,683 |
| Loan loss allowance to noncurrent loans | 97.1681% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.1442% | 781 |
| Noncurrent loans to loans | 1.0822% | 1,311 |
| Net loans and leases to total assets | 82.0102% | 293 |
| Net loans and leases to deposits | 94.9424% | 606 |
| Net loans and leases to core deposits | 97.6633% | 1,023 |
| Total domestic deposits to total assets | 86.3789% | 2,196 |
| Equity capital to assets | 13.4921% | 931 |
| Core capital (leverage) ratio | 11.2735% | 1,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,516,145,200 | 310 |
| Average earning assets | $3,260,551,200 | 304 |
| Average equity | $452,211,800 | 275 |
| Average total loans | $2,960,434,000 | 265 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2666% | 2,196 |
| Cost of funding earning assets | 0.3955% | 3,831 |
| Net interest margin | 3.8711% | 1,428 |
| Noninterest income to average assets | 0.3686% | 3,247 |
| Noninterest expense to average assets | 1.8876% | 4,345 |
| Loan and lease loss provision to assets | 0.3266% | 1,195 |
| Net operating income to assets | 1.7457% | 518 |
| Return on assets (ROA) | 1.7457% | 579 |
| Pretax return on assets | 1.7457% | 879 |
| Return on Equity (ROE) | 13.7425% | 932 |
| Retained earnings to average equity (ytd only) | 9.4411% | 877 |
| Net charge-offs to loans | 0.0313% | 2,207 |
| Credit loss provision to net charge-offs | 1,233.5244% | 718 |
| Earnings coverage of net charge-offs (x) | 78.2751% | 934 |
| Efficiency ratio | 47.1227% | 4,656 |
| Assets per employee ($millions) | 7.0419% | 1,470 |
| Cash dividends to net income (ytd only)* | 31.2997% | 2,307 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0120% | 3,655 |
| Loan loss allowance to noncurrent loans | 26.1252% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 3.5483% | 108 |
| Noncurrent loans to loans | 3.8737% | 169 |
| Net loans and leases to total assets | 83.9781% | 280 |
| Net loans and leases to deposits | 96.6154% | 715 |
| Net loans and leases to core deposits | 100.0550% | 1,159 |
| Total domestic deposits to total assets | 86.9199% | 1,703 |
| Equity capital to assets | 12.9041% | 1,225 |
| Core capital (leverage) ratio | 10.4998% | 2,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,515,272,000 | 307 |
| Average earning assets | $3,261,182,500 | 301 |
| Average equity | $446,546,500 | 274 |
| Average total loans | $2,971,258,000 | 262 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3571% | 2,320 |
| Cost of funding earning assets | 0.4665% | 3,715 |
| Net interest margin | 3.8906% | 1,591 |
| Noninterest income to average assets | 0.3566% | 3,340 |
| Noninterest expense to average assets | 1.9068% | 4,407 |
| Loan and lease loss provision to assets | 0.4193% | 941 |
| Net operating income to assets | 1.6376% | 697 |
| Return on assets (ROA) | 1.6376% | 763 |
| Pretax return on assets | 1.6376% | 1,135 |
| Return on Equity (ROE) | 12.9607% | 1,107 |
| Retained earnings to average equity (ytd only) | 12.9607% | 355 |
| Net charge-offs to loans | 0.0398% | 1,949 |
| Credit loss provision to net charge-offs | 1,248.6395% | 686 |
| Earnings coverage of net charge-offs (x) | 61.2466% | 951 |
| Efficiency ratio | 47.5583% | 4,654 |
| Assets per employee ($millions) | 7.1688% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9624% | 3,748 |
| Loan loss allowance to noncurrent loans | 22.2059% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 3.8364% | 95 |
| Noncurrent loans to loans | 4.3341% | 141 |
| Net loans and leases to total assets | 82.0326% | 410 |
| Net loans and leases to deposits | 93.7763% | 980 |
| Net loans and leases to core deposits | 98.8104% | 1,349 |
| Total domestic deposits to total assets | 87.4769% | 1,426 |
| Equity capital to assets | 12.3737% | 1,440 |
| Core capital (leverage) ratio | 10.5546% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,501,640,000 | 307 |
| Average earning assets | $3,246,443,667 | 301 |
| Average equity | $442,431,000 | 277 |
| Average total loans | $2,956,033,000 | 261 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7924% | 1,442 |
| Cost of funding earning assets | 0.6922% | 2,969 |
| Net interest margin | 4.1002% | 1,135 |
| Noninterest income to average assets | 0.3691% | 3,308 |
| Noninterest expense to average assets | 1.9921% | 4,409 |
| Loan and lease loss provision to assets | 0.2021% | 1,508 |
| Net operating income to assets | 1.9710% | 288 |
| Return on assets (ROA) | 1.9710% | 317 |
| Pretax return on assets | 1.9710% | 482 |
| Return on Equity (ROE) | 15.4271% | 497 |
| Retained earnings to average equity (ytd only) | 15.4271% | 168 |
| Net charge-offs to loans | -0.0729% | 4,743 |
| Credit loss provision to net charge-offs | -325.0943% | 3,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2922% | 4,788 |
| Assets per employee ($millions) | 6.4347% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8635% | 4,235 |
| Loan loss allowance to noncurrent loans | 20.4650% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 3.8961% | 106 |
| Noncurrent loans to loans | 4.2194% | 172 |
| Net loans and leases to total assets | 85.0145% | 200 |
| Net loans and leases to deposits | 98.1088% | 700 |
| Net loans and leases to core deposits | 102.0290% | 1,318 |
| Total domestic deposits to total assets | 86.6533% | 1,716 |
| Equity capital to assets | 13.2207% | 1,329 |
| Core capital (leverage) ratio | 10.5917% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $3,410,071,000 | 306 |
| Average earning assets | $3,157,108,000 | 299 |
| Average equity | $435,674,500 | 283 |
| Average total loans | $2,908,003,500 | 259 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2762% | 860 |
| Cost of funding earning assets | 0.9352% | 2,032 |
| Net interest margin | 4.3411% | 999 |
| Noninterest income to average assets | 0.3903% | 3,358 |
| Noninterest expense to average assets | 1.8973% | 4,665 |
| Loan and lease loss provision to assets | 0.9654% | 98 |
| Net operating income to assets | 1.5441% | 951 |
| Return on assets (ROA) | 1.5441% | 1,013 |
| Pretax return on assets | 1.5441% | 1,675 |
| Return on Equity (ROE) | 12.0229% | 1,502 |
| Retained earnings to average equity (ytd only) | -6.4175% | 5,013 |
| Net charge-offs to loans | 1.0803% | 149 |
| Credit loss provision to net charge-offs | 107.6285% | 2,309 |
| Earnings coverage of net charge-offs (x) | 2.7977% | 3,376 |
| Efficiency ratio | 42.4832% | 5,016 |
| Assets per employee ($millions) | 6.4938% | 1,291 |
| Cash dividends to net income (ytd only)* | 153.3770% | 116 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7706% | 4,392 |
| Loan loss allowance to noncurrent loans | 15.4119% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 4.5117% | 75 |
| Noncurrent loans to loans | 4.9997% | 105 |
| Net loans and leases to total assets | 84.1595% | 310 |
| Net loans and leases to deposits | 96.1735% | 922 |
| Net loans and leases to core deposits | 100.4734% | 1,523 |
| Total domestic deposits to total assets | 87.5080% | 1,361 |
| Equity capital to assets | 12.3446% | 1,923 |
| Core capital (leverage) ratio | 9.7205% | 3,823 |
| Tier 1 risk-based capital ratio | 10.2558% | 5,080 |
| Total risk-based capital ratio | 10.9440% | 5,126 |
| Memoranda: |
| Average total assets | $3,546,952,600 | 286 |
| Average earning assets | $3,281,688,800 | 280 |
| Average equity | $455,523,200 | 264 |
| Average total loans | $2,945,072,400 | 257 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3558% | 769 |
| Cost of funding earning assets | 0.9622% | 1,927 |
| Net interest margin | 4.3936% | 961 |
| Noninterest income to average assets | 0.3846% | 3,410 |
| Noninterest expense to average assets | 1.9108% | 4,686 |
| Loan and lease loss provision to assets | 0.9706% | 96 |
| Net operating income to assets | 1.5675% | 1,002 |
| Return on assets (ROA) | 1.5675% | 1,060 |
| Pretax return on assets | 1.5675% | 1,751 |
| Return on Equity (ROE) | 12.0914% | 1,588 |
| Retained earnings to average equity (ytd only) | -2.0317% | 4,928 |
| Net charge-offs to loans | 1.0319% | 134 |
| Credit loss provision to net charge-offs | 113.8743% | 2,037 |
| Earnings coverage of net charge-offs (x) | 2.9777% | 3,147 |
| Efficiency ratio | 42.3889% | 5,068 |
| Assets per employee ($millions) | 6.7255% | 1,146 |
| Cash dividends to net income (ytd only)* | 116.8029% | 203 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8037% | 4,403 |
| Loan loss allowance to noncurrent loans | 62.6018% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.1342% | 1,151 |
| Noncurrent loans to loans | 1.2839% | 1,210 |
| Net loans and leases to total assets | 79.9708% | 850 |
| Net loans and leases to deposits | 91.5958% | 1,489 |
| Net loans and leases to core deposits | 95.9315% | 2,001 |
| Total domestic deposits to total assets | 87.3085% | 1,369 |
| Equity capital to assets | 12.4680% | 1,938 |
| Core capital (leverage) ratio | 10.3227% | 3,288 |
| Tier 1 risk-based capital ratio | 11.1103% | 4,858 |
| Total risk-based capital ratio | 11.8331% | 4,979 |
| Memoranda: |
| Average total assets | $3,568,388,250 | 287 |
| Average earning assets | $3,300,943,250 | 283 |
| Average equity | $462,585,750 | 263 |
| Average total loans | $2,947,451,500 | 260 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3544% | 729 |
| Cost of funding earning assets | 0.9599% | 1,863 |
| Net interest margin | 4.3945% | 952 |
| Noninterest income to average assets | 0.3839% | 3,375 |
| Noninterest expense to average assets | 1.9677% | 4,659 |
| Loan and lease loss provision to assets | 1.4155% | 61 |
| Net operating income to assets | 1.0639% | 2,665 |
| Return on assets (ROA) | 1.0639% | 2,729 |
| Pretax return on assets | 1.0639% | 3,340 |
| Return on Equity (ROE) | 8.1026% | 3,247 |
| Retained earnings to average equity (ytd only) | -2.1766% | 4,924 |
| Net charge-offs to loans | 1.5222% | 75 |
| Credit loss provision to net charge-offs | 111.6781% | 1,830 |
| Earnings coverage of net charge-offs (x) | 1.9562% | 2,979 |
| Efficiency ratio | 43.6813% | 5,075 |
| Assets per employee ($millions) | 6.6270% | 1,174 |
| Cash dividends to net income (ytd only)* | 126.8633% | 225 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7744% | 4,525 |
| Loan loss allowance to noncurrent loans | 59.0083% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.1682% | 1,153 |
| Noncurrent loans to loans | 1.3123% | 1,198 |
| Net loans and leases to total assets | 82.3389% | 554 |
| Net loans and leases to deposits | 94.5442% | 1,201 |
| Net loans and leases to core deposits | 99.3586% | 1,778 |
| Total domestic deposits to total assets | 87.0904% | 1,559 |
| Equity capital to assets | 12.7087% | 1,738 |
| Core capital (leverage) ratio | 10.3109% | 3,277 |
| Tier 1 risk-based capital ratio | 11.1888% | 4,840 |
| Total risk-based capital ratio | 11.8966% | 4,968 |
| Memoranda: |
| Average total assets | $3,556,221,000 | 290 |
| Average earning assets | $3,288,082,330 | 286 |
| Average equity | $466,962,000 | 259 |
| Average total loans | $2,961,195,670 | 259 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2608% | 814 |
| Cost of funding earning assets | 0.9089% | 1,961 |
| Net interest margin | 4.3519% | 1,005 |
| Noninterest income to average assets | 0.3490% | 3,523 |
| Noninterest expense to average assets | 1.9892% | 4,664 |
| Loan and lease loss provision to assets | 2.5894% | 30 |
| Net operating income to assets | -0.2127% | 5,209 |
| Return on assets (ROA) | -0.2127% | 5,206 |
| Pretax return on assets | -0.2127% | 5,200 |
| Return on Equity (ROE) | -1.5942% | 5,208 |
| Retained earnings to average equity (ytd only) | -21.8161% | 5,270 |
| Net charge-offs to loans | 3.0009% | 33 |
| Credit loss provision to net charge-offs | 103.4491% | 1,541 |
| Earnings coverage of net charge-offs (x) | 0.9495% | 2,636 |
| Efficiency ratio | 44.9869% | 5,069 |
| Assets per employee ($millions) | 6.7076% | 1,136 |
| Cash dividends to net income (ytd only)* | -1,268.4989% | 5,354 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7040% | 4,771 |
| Loan loss allowance to noncurrent loans | 60.1101% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.9317% | 526 |
| Noncurrent loans to loans | 1.1711% | 1,414 |
| Net loans and leases to total assets | 83.1677% | 448 |
| Net loans and leases to deposits | 96.2116% | 942 |
| Net loans and leases to core deposits | 99.3661% | 1,676 |
| Total domestic deposits to total assets | 86.4425% | 2,101 |
| Equity capital to assets | 12.9897% | 1,462 |
| Core capital (leverage) ratio | 10.8078% | 2,759 |
| Tier 1 risk-based capital ratio | 11.3138% | 4,833 |
| Total risk-based capital ratio | 11.9531% | 5,004 |
| Memoranda: |
| Average total assets | $3,558,286,000 | 291 |
| Average earning assets | $3,284,379,000 | 288 |
| Average equity | $474,731,000 | 259 |
| Average total loans | $2,968,004,000 | 259 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1039% | 841 |
| Cost of funding earning assets | 0.7377% | 1,860 |
| Net interest margin | 4.3663% | 1,011 |
| Noninterest income to average assets | 0.4010% | 3,435 |
| Noninterest expense to average assets | 1.7639% | 5,038 |
| Loan and lease loss provision to assets | 0.0518% | 3,146 |
| Net operating income to assets | 2.6418% | 117 |
| Return on assets (ROA) | 2.6418% | 117 |
| Pretax return on assets | 2.6418% | 162 |
| Return on Equity (ROE) | 19.3446% | 293 |
| Retained earnings to average equity (ytd only) | 3.6193% | 3,591 |
| Net charge-offs to loans | 0.0615% | 2,247 |
| Credit loss provision to net charge-offs | 99.6753% | 2,569 |
| Earnings coverage of net charge-offs (x) | 51.8512% | 1,107 |
| Efficiency ratio | 38.8878% | 5,297 |
| Assets per employee ($millions) | 6.7969% | 1,072 |
| Cash dividends to net income (ytd only)* | 81.2905% | 664 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6826% | 4,832 |
| Loan loss allowance to noncurrent loans | 21.3509% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 2.7709% | 251 |
| Noncurrent loans to loans | 3.1969% | 300 |
| Net loans and leases to total assets | 82.4984% | 591 |
| Net loans and leases to deposits | 95.7806% | 1,093 |
| Net loans and leases to core deposits | 99.6567% | 1,740 |
| Total domestic deposits to total assets | 86.1327% | 2,165 |
| Equity capital to assets | 13.6928% | 1,072 |
| Core capital (leverage) ratio | 11.1370% | 2,404 |
| Tier 1 risk-based capital ratio | 12.1662% | 4,316 |
| Total risk-based capital ratio | 12.7857% | 4,612 |
| Memoranda: |
| Average total assets | $3,557,329,200 | 289 |
| Average earning assets | $3,304,937,800 | 281 |
| Average equity | $485,815,000 | 250 |
| Average total loans | $3,005,692,000 | 254 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0166% | 917 |
| Cost of funding earning assets | 0.6755% | 1,996 |
| Net interest margin | 4.3411% | 1,031 |
| Noninterest income to average assets | 0.4033% | 3,465 |
| Noninterest expense to average assets | 1.7713% | 5,066 |
| Loan and lease loss provision to assets | 0.0241% | 3,536 |
| Net operating income to assets | 2.6447% | 122 |
| Return on assets (ROA) | 2.6447% | 120 |
| Pretax return on assets | 2.6447% | 177 |
| Return on Equity (ROE) | 19.3783% | 310 |
| Retained earnings to average equity (ytd only) | 4.9846% | 3,245 |
| Net charge-offs to loans | 0.0160% | 2,856 |
| Credit loss provision to net charge-offs | 177.3481% | 1,517 |
| Earnings coverage of net charge-offs (x) | 196.6400% | 445 |
| Efficiency ratio | 39.2075% | 5,348 |
| Assets per employee ($millions) | 6.8952% | 980 |
| Cash dividends to net income (ytd only)* | 74.2774% | 718 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6745% | 4,925 |
| Loan loss allowance to noncurrent loans | 54.2074% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 1,229 |
| Noncurrent loans to loans | 1.2442% | 1,355 |
| Net loans and leases to total assets | 83.4715% | 518 |
| Net loans and leases to deposits | 96.7404% | 1,073 |
| Net loans and leases to core deposits | 101.6736% | 1,638 |
| Total domestic deposits to total assets | 86.2841% | 2,063 |
| Equity capital to assets | 13.5131% | 1,128 |
| Core capital (leverage) ratio | 10.9032% | 2,675 |
| Tier 1 risk-based capital ratio | 11.8093% | 4,600 |
| Total risk-based capital ratio | 12.4186% | 4,861 |
| Memoranda: |
| Average total assets | $3,556,269,250 | 287 |
| Average earning assets | $3,306,969,000 | 280 |
| Average equity | $485,349,500 | 250 |
| Average total loans | $3,017,507,250 | 254 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8932% | 1,038 |
| Cost of funding earning assets | 0.5923% | 2,277 |
| Net interest margin | 4.3010% | 1,033 |
| Noninterest income to average assets | 0.3747% | 3,651 |
| Noninterest expense to average assets | 1.7191% | 5,175 |
| Loan and lease loss provision to assets | 0.0363% | 3,184 |
| Net operating income to assets | 2.6179% | 124 |
| Return on assets (ROA) | 2.6179% | 124 |
| Pretax return on assets | 2.6179% | 179 |
| Return on Equity (ROE) | 19.1178% | 325 |
| Retained earnings to average equity (ytd only) | 9.1258% | 1,174 |
| Net charge-offs to loans | 0.0081% | 2,837 |
| Credit loss provision to net charge-offs | 526.2295% | 681 |
| Earnings coverage of net charge-offs (x) | 384.7869% | 239 |
| Efficiency ratio | 38.6081% | 5,423 |
| Assets per employee ($millions) | 6.7551% | 1,036 |
| Cash dividends to net income (ytd only)* | 52.2656% | 1,585 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6919% | 4,960 |
| Loan loss allowance to noncurrent loans | 83.3159% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 1,862 |
| Noncurrent loans to loans | 0.8304% | 2,064 |
| Net loans and leases to total assets | 83.0661% | 570 |
| Net loans and leases to deposits | 96.5039% | 1,095 |
| Net loans and leases to core deposits | 103.8466% | 1,409 |
| Total domestic deposits to total assets | 86.0754% | 2,246 |
| Equity capital to assets | 13.7477% | 1,012 |
| Core capital (leverage) ratio | 11.6949% | 1,912 |
| Tier 1 risk-based capital ratio | 12.3068% | 4,306 |
| Total risk-based capital ratio | 12.9433% | 4,568 |
| Memoranda: |
| Average total assets | $3,537,329,000 | 285 |
| Average earning assets | $3,288,666,330 | 279 |
| Average equity | $484,386,330 | 243 |
| Average total loans | $3,011,216,000 | 252 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8326% | 1,007 |
| Cost of funding earning assets | 0.5656% | 2,277 |
| Net interest margin | 4.2671% | 1,013 |
| Noninterest income to average assets | 0.3512% | 3,798 |
| Noninterest expense to average assets | 1.6858% | 5,256 |
| Loan and lease loss provision to assets | 0.0443% | 2,880 |
| Net operating income to assets | 2.5911% | 125 |
| Return on assets (ROA) | 2.5911% | 126 |
| Pretax return on assets | 2.5911% | 188 |
| Return on Equity (ROE) | 18.9601% | 322 |
| Retained earnings to average equity (ytd only) | 17.2952% | 182 |
| Net charge-offs to loans | 0.0053% | 2,548 |
| Credit loss provision to net charge-offs | 972.5000% | 355 |
| Earnings coverage of net charge-offs (x) | 579.1000% | 108 |
| Efficiency ratio | 38.2997% | 5,486 |
| Assets per employee ($millions) | 6.7146% | 1,084 |
| Cash dividends to net income (ytd only)* | 8.7816% | 2,612 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6831% | 5,061 |
| Loan loss allowance to noncurrent loans | 91.1179% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.7457% | 2,086 |
| Noncurrent loans to loans | 0.7497% | 2,334 |
| Net loans and leases to total assets | 84.4261% | 397 |
| Net loans and leases to deposits | 98.1876% | 843 |
| Net loans and leases to core deposits | 124.9119% | 447 |
| Total domestic deposits to total assets | 85.9845% | 2,541 |
| Equity capital to assets | 13.8719% | 927 |
| Core capital (leverage) ratio | 11.5888% | 1,946 |
| Tier 1 risk-based capital ratio | 12.2538% | 4,403 |
| Total risk-based capital ratio | 12.8849% | 4,673 |
| Memoranda: |
| Average total assets | $3,515,884,000 | 287 |
| Average earning assets | $3,271,105,500 | 278 |
| Average equity | $480,481,500 | 246 |
| Average total loans | $3,019,490,500 | 253 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8074% | 966 |
| Cost of funding earning assets | 0.3223% | 3,932 |
| Net interest margin | 4.4852% | 634 |
| Noninterest income to average assets | 0.3935% | 3,680 |
| Noninterest expense to average assets | 2.0524% | 4,873 |
| Loan and lease loss provision to assets | 0.1120% | 2,027 |
| Net operating income to assets | 2.3675% | 143 |
| Return on assets (ROA) | 2.3747% | 144 |
| Pretax return on assets | 2.3747% | 229 |
| Return on Equity (ROE) | 17.1617% | 378 |
| Retained earnings to average equity (ytd only) | 9.5860% | 410 |
| Net charge-offs to loans | 0.0430% | 2,932 |
| Credit loss provision to net charge-offs | 291.9808% | 963 |
| Earnings coverage of net charge-offs (x) | 64.6199% | 903 |
| Efficiency ratio | 44.4181% | 5,439 |
| Assets per employee ($millions) | 6.5171% | 1,201 |
| Cash dividends to net income (ytd only)* | 44.1431% | 2,640 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6664% | 5,128 |
| Loan loss allowance to noncurrent loans | 84.7025% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.8171% | 1,910 |
| Noncurrent loans to loans | 0.7868% | 2,251 |
| Net loans and leases to total assets | 86.1892% | 242 |
| Net loans and leases to deposits | 100.4132% | 700 |
| Net loans and leases to core deposits | 126.0276% | 431 |
| Total domestic deposits to total assets | 85.8345% | 2,515 |
| Equity capital to assets | 13.4574% | 1,078 |
| Core capital (leverage) ratio | 11.5155% | 1,934 |
| Tier 1 risk-based capital ratio | 11.6180% | 4,778 |
| Total risk-based capital ratio | 12.2337% | 5,034 |
| Memoranda: |
| Average total assets | $3,249,883,400 | 289 |
| Average earning assets | $2,998,621,400 | 283 |
| Average equity | $449,688,200 | 244 |
| Average total loans | $2,899,037,200 | 247 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8024% | 927 |
| Cost of funding earning assets | 0.2800% | 4,313 |
| Net interest margin | 4.5224% | 572 |
| Noninterest income to average assets | 0.4227% | 3,535 |
| Noninterest expense to average assets | 2.0291% | 4,893 |
| Loan and lease loss provision to assets | 0.1122% | 1,912 |
| Net operating income to assets | 2.4447% | 146 |
| Return on assets (ROA) | 2.4545% | 144 |
| Pretax return on assets | 2.4545% | 225 |
| Return on Equity (ROE) | 17.6060% | 367 |
| Retained earnings to average equity (ytd only) | 9.7826% | 633 |
| Net charge-offs to loans | 0.0301% | 2,829 |
| Credit loss provision to net charge-offs | 415.3251% | 748 |
| Earnings coverage of net charge-offs (x) | 94.6689% | 716 |
| Efficiency ratio | 43.3703% | 5,502 |
| Assets per employee ($millions) | 6.4619% | 1,209 |
| Cash dividends to net income (ytd only)* | 44.4359% | 2,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6685% | 5,208 |
| Loan loss allowance to noncurrent loans | 85.3970% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 1,838 |
| Noncurrent loans to loans | 0.7828% | 2,404 |
| Net loans and leases to total assets | 85.9209% | 263 |
| Net loans and leases to deposits | 109.0430% | 308 |
| Net loans and leases to core deposits | 130.0232% | 343 |
| Total domestic deposits to total assets | 78.7954% | 4,572 |
| Equity capital to assets | 13.3946% | 1,205 |
| Core capital (leverage) ratio | 11.7718% | 1,837 |
| Tier 1 risk-based capital ratio | 11.3463% | 5,051 |
| Total risk-based capital ratio | 11.9541% | 5,297 |
| Memoranda: |
| Average total assets | $3,189,056,750 | 293 |
| Average earning assets | $2,935,751,500 | 288 |
| Average equity | $444,586,750 | 245 |
| Average total loans | $2,866,059,000 | 249 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8057% | 853 |
| Cost of funding earning assets | 0.2469% | 4,563 |
| Net interest margin | 4.5588% | 507 |
| Noninterest income to average assets | 0.4132% | 3,607 |
| Noninterest expense to average assets | 1.9648% | 5,050 |
| Loan and lease loss provision to assets | 0.1506% | 1,345 |
| Net operating income to assets | 2.4847% | 131 |
| Return on assets (ROA) | 2.4997% | 128 |
| Pretax return on assets | 2.4997% | 212 |
| Return on Equity (ROE) | 17.6760% | 359 |
| Retained earnings to average equity (ytd only) | 9.6592% | 657 |
| Net charge-offs to loans | 0.0302% | 2,603 |
| Credit loss provision to net charge-offs | 546.9626% | 613 |
| Earnings coverage of net charge-offs (x) | 95.6939% | 676 |
| Efficiency ratio | 41.8167% | 5,581 |
| Assets per employee ($millions) | 6.0409% | 1,433 |
| Cash dividends to net income (ytd only)* | 45.3539% | 2,068 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6670% | 5,271 |
| Loan loss allowance to noncurrent loans | 76.5688% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 1,619 |
| Noncurrent loans to loans | 0.8711% | 2,241 |
| Net loans and leases to total assets | 91.5501% | 47 |
| Net loans and leases to deposits | 107.8676% | 323 |
| Net loans and leases to core deposits | 130.9047% | 293 |
| Total domestic deposits to total assets | 84.8726% | 2,856 |
| Equity capital to assets | 13.9732% | 975 |
| Core capital (leverage) ratio | 11.5113% | 1,964 |
| Tier 1 risk-based capital ratio | 10.9442% | 5,278 |
| Total risk-based capital ratio | 11.5457% | 5,479 |
| Memoranda: |
| Average total assets | $3,108,315,000 | 301 |
| Average earning assets | $2,854,725,000 | 295 |
| Average equity | $439,579,670 | 248 |
| Average total loans | $2,832,068,670 | 251 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6453% | 1,038 |
| Cost of funding earning assets | 0.2050% | 4,932 |
| Net interest margin | 4.4403% | 589 |
| Noninterest income to average assets | 0.4458% | 3,336 |
| Noninterest expense to average assets | 2.0027% | 5,045 |
| Loan and lease loss provision to assets | 0.0383% | 3,034 |
| Net operating income to assets | 2.4743% | 140 |
| Return on assets (ROA) | 2.5049% | 136 |
| Pretax return on assets | 2.5049% | 213 |
| Return on Equity (ROE) | 17.6023% | 366 |
| Retained earnings to average equity (ytd only) | 15.1946% | 226 |
| Net charge-offs to loans | 0.0423% | 1,982 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 65.5734% | 753 |
| Efficiency ratio | 43.4269% | 5,612 |
| Assets per employee ($millions) | 5.9467% | 1,548 |
| Cash dividends to net income (ytd only)* | 13.6786% | 2,640 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6195% | 5,450 |
| Loan loss allowance to noncurrent loans | 77.4872% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.0187% | 1,789 |
| Noncurrent loans to loans | 0.7995% | 2,458 |
| Net loans and leases to total assets | 90.6294% | 42 |
| Net loans and leases to deposits | 109.7633% | 221 |
| Net loans and leases to core deposits | 125.4334% | 332 |
| Total domestic deposits to total assets | 82.5680% | 3,985 |
| Equity capital to assets | 14.0723% | 879 |
| Core capital (leverage) ratio | 12.0656% | 1,586 |
| Tier 1 risk-based capital ratio | 11.1569% | 5,225 |
| Total risk-based capital ratio | 11.7183% | 5,481 |
| Memoranda: |
| Average total assets | $3,058,619,500 | 309 |
| Average earning assets | $2,803,264,500 | 299 |
| Average equity | $435,260,500 | 251 |
| Average total loans | $2,769,914,500 | 255 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9025% | 737 |
| Cost of funding earning assets | 0.1802% | 5,213 |
| Net interest margin | 4.7224% | 410 |
| Noninterest income to average assets | 0.4446% | 3,581 |
| Noninterest expense to average assets | 2.1085% | 4,985 |
| Loan and lease loss provision to assets | 0.2026% | 1,131 |
| Net operating income to assets | 2.4405% | 153 |
| Return on assets (ROA) | 2.4405% | 159 |
| Pretax return on assets | 2.4405% | 218 |
| Return on Equity (ROE) | 16.8773% | 422 |
| Retained earnings to average equity (ytd only) | 5.2483% | 2,165 |
| Net charge-offs to loans | 0.2001% | 1,387 |
| Credit loss provision to net charge-offs | 115.8447% | 2,271 |
| Earnings coverage of net charge-offs (x) | 15.1139% | 2,232 |
| Efficiency ratio | 43.5810% | 5,708 |
| Assets per employee ($millions) | 5.5223% | 1,847 |
| Cash dividends to net income (ytd only)* | 68.9034% | 1,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6679% | 5,417 |
| Loan loss allowance to noncurrent loans | 88.9672% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0389% | 1,820 |
| Noncurrent loans to loans | 0.7508% | 2,651 |
| Net loans and leases to total assets | 89.2874% | 86 |
| Net loans and leases to deposits | 107.7645% | 280 |
| Net loans and leases to core deposits | 115.0779% | 655 |
| Total domestic deposits to total assets | 82.8542% | 3,815 |
| Equity capital to assets | 14.3989% | 765 |
| Core capital (leverage) ratio | 11.9908% | 1,607 |
| Tier 1 risk-based capital ratio | 11.4598% | 5,078 |
| Total risk-based capital ratio | 12.0590% | 5,335 |
| Memoranda: |
| Average total assets | $2,887,171,000 | 308 |
| Average earning assets | $2,633,203,600 | 300 |
| Average equity | $417,490,400 | 250 |
| Average total loans | $2,522,872,000 | 262 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7464% | 990 |
| Cost of funding earning assets | 0.1779% | 5,283 |
| Net interest margin | 4.5685% | 536 |
| Noninterest income to average assets | 0.4420% | 3,613 |
| Noninterest expense to average assets | 2.1355% | 4,922 |
| Loan and lease loss provision to assets | 0.1015% | 2,214 |
| Net operating income to assets | 2.3699% | 193 |
| Return on assets (ROA) | 2.3699% | 200 |
| Pretax return on assets | 2.3699% | 270 |
| Return on Equity (ROE) | 16.3710% | 505 |
| Retained earnings to average equity (ytd only) | 4.1979% | 3,339 |
| Net charge-offs to loans | 0.1171% | 1,782 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 24.3379% | 1,677 |
| Efficiency ratio | 45.5301% | 5,689 |
| Assets per employee ($millions) | 5.4516% | 1,900 |
| Cash dividends to net income (ytd only)* | 74.3575% | 905 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6581% | 5,513 |
| Loan loss allowance to noncurrent loans | 53.9704% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.4583% | 1,249 |
| Noncurrent loans to loans | 1.2194% | 1,838 |
| Net loans and leases to total assets | 88.8381% | 96 |
| Net loans and leases to deposits | 104.3470% | 436 |
| Net loans and leases to core deposits | 114.4190% | 709 |
| Total domestic deposits to total assets | 85.1372% | 2,740 |
| Equity capital to assets | 14.4725% | 882 |
| Core capital (leverage) ratio | 11.9261% | 1,727 |
| Tier 1 risk-based capital ratio | 11.4880% | 5,092 |
| Total risk-based capital ratio | 12.0773% | 5,374 |
| Memoranda: |
| Average total assets | $2,867,589,000 | 308 |
| Average earning assets | $2,614,311,000 | 301 |
| Average equity | $415,113,500 | 251 |
| Average total loans | $2,487,184,500 | 265 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7015% | 1,047 |
| Cost of funding earning assets | 0.1756% | 5,363 |
| Net interest margin | 4.5258% | 581 |
| Noninterest income to average assets | 0.4513% | 3,514 |
| Noninterest expense to average assets | 2.1495% | 4,951 |
| Loan and lease loss provision to assets | 0.1120% | 2,005 |
| Net operating income to assets | 2.3105% | 195 |
| Return on assets (ROA) | 2.3105% | 204 |
| Pretax return on assets | 2.3105% | 301 |
| Return on Equity (ROE) | 15.9595% | 551 |
| Retained earnings to average equity (ytd only) | 6.0102% | 2,114 |
| Net charge-offs to loans | 0.1302% | 1,551 |
| Credit loss provision to net charge-offs | 100.2503% | 2,084 |
| Earnings coverage of net charge-offs (x) | 21.6809% | 1,669 |
| Efficiency ratio | 46.1828% | 5,746 |
| Assets per employee ($millions) | 5.3455% | 1,942 |
| Cash dividends to net income (ytd only)* | 62.3411% | 1,442 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6865% | 5,543 |
| Loan loss allowance to noncurrent loans | 54.1809% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.6181% | 1,135 |
| Noncurrent loans to loans | 1.2670% | 1,800 |
| Net loans and leases to total assets | 87.0181% | 193 |
| Net loans and leases to deposits | 102.2980% | 544 |
| Net loans and leases to core deposits | 110.9078% | 879 |
| Total domestic deposits to total assets | 85.0634% | 2,846 |
| Equity capital to assets | 14.7656% | 798 |
| Core capital (leverage) ratio | 11.9953% | 1,627 |
| Tier 1 risk-based capital ratio | 11.6626% | 5,052 |
| Total risk-based capital ratio | 12.2624% | 5,339 |
| Memoranda: |
| Average total assets | $2,860,336,000 | 304 |
| Average earning assets | $2,604,343,330 | 298 |
| Average equity | $414,097,330 | 251 |
| Average total loans | $2,454,963,330 | 265 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7499% | 948 |
| Cost of funding earning assets | 0.1741% | 5,428 |
| Net interest margin | 4.5758% | 526 |
| Noninterest income to average assets | 0.4593% | 3,422 |
| Noninterest expense to average assets | 2.0843% | 5,144 |
| Loan and lease loss provision to assets | 0.1706% | 1,207 |
| Net operating income to assets | 2.3700% | 188 |
| Return on assets (ROA) | 2.3700% | 195 |
| Pretax return on assets | 2.3700% | 291 |
| Return on Equity (ROE) | 16.5325% | 485 |
| Retained earnings to average equity (ytd only) | 14.1075% | 314 |
| Net charge-offs to loans | 0.2293% | 889 |
| Credit loss provision to net charge-offs | 87.5803% | 1,783 |
| Earnings coverage of net charge-offs (x) | 13.0414% | 1,755 |
| Efficiency ratio | 44.2483% | 5,865 |
| Assets per employee ($millions) | 5.2965% | 2,035 |
| Cash dividends to net income (ytd only)* | 14.6679% | 2,639 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6892% | 5,615 |
| Loan loss allowance to noncurrent loans | 59.0127% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.5051% | 1,355 |
| Noncurrent loans to loans | 1.1679% | 2,073 |
| Net loans and leases to total assets | 85.1083% | 286 |
| Net loans and leases to deposits | 99.9727% | 624 |
| Net loans and leases to core deposits | 106.3411% | 1,056 |
| Total domestic deposits to total assets | 85.1315% | 3,072 |
| Equity capital to assets | 14.7269% | 766 |
| Core capital (leverage) ratio | 11.9311% | 1,655 |
| Tier 1 risk-based capital ratio | 11.9180% | 4,966 |
| Total risk-based capital ratio | 12.5211% | 5,262 |
| Memoranda: |
| Average total assets | $2,876,608,000 | 296 |
| Average earning assets | $2,618,756,500 | 293 |
| Average equity | $412,375,500 | 252 |
| Average total loans | $2,443,594,500 | 265 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7210% | 1,066 |
| Cost of funding earning assets | 0.1897% | 5,372 |
| Net interest margin | 4.5313% | 622 |
| Noninterest income to average assets | 0.4888% | 3,401 |
| Noninterest expense to average assets | 2.1854% | 5,072 |
| Loan and lease loss provision to assets | 0.0196% | 4,012 |
| Net operating income to assets | 2.3969% | 175 |
| Return on assets (ROA) | 2.3969% | 180 |
| Pretax return on assets | 2.3969% | 249 |
| Return on Equity (ROE) | 17.7456% | 400 |
| Retained earnings to average equity (ytd only) | 4.5553% | 2,742 |
| Net charge-offs to loans | 0.0235% | 3,790 |
| Credit loss provision to net charge-offs | 99.8185% | 2,559 |
| Earnings coverage of net charge-offs (x) | 123.1470% | 494 |
| Efficiency ratio | 47.1095% | 5,876 |
| Assets per employee ($millions) | 5.3279% | 1,974 |
| Cash dividends to net income (ytd only)* | 74.3299% | 1,083 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6954% | 5,642 |
| Loan loss allowance to noncurrent loans | 55.5683% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.6055% | 1,227 |
| Noncurrent loans to loans | 1.2515% | 1,887 |
| Net loans and leases to total assets | 83.6236% | 424 |
| Net loans and leases to deposits | 97.3563% | 879 |
| Net loans and leases to core deposits | 103.6941% | 1,243 |
| Total domestic deposits to total assets | 85.8944% | 2,683 |
| Equity capital to assets | 13.9513% | 948 |
| Core capital (leverage) ratio | 11.4218% | 2,021 |
| Tier 1 risk-based capital ratio | 11.3952% | 5,317 |
| Total risk-based capital ratio | 11.9977% | 5,566 |
| Memoranda: |
| Average total assets | $2,807,962,400 | 294 |
| Average earning assets | $2,548,784,400 | 290 |
| Average equity | $379,271,400 | 257 |
| Average total loans | $2,342,525,400 | 254 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7551% | 1,009 |
| Cost of funding earning assets | 0.1929% | 5,441 |
| Net interest margin | 4.5622% | 579 |
| Noninterest income to average assets | 0.5024% | 3,348 |
| Noninterest expense to average assets | 2.1840% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4580% | 168 |
| Return on assets (ROA) | 2.4580% | 177 |
| Pretax return on assets | 2.4580% | 255 |
| Return on Equity (ROE) | 18.3551% | 381 |
| Retained earnings to average equity (ytd only) | 2.6096% | 4,553 |
| Net charge-offs to loans | 0.0193% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 153.2044% | 457 |
| Efficiency ratio | 46.6691% | 5,936 |
| Assets per employee ($millions) | 5.2722% | 1,979 |
| Cash dividends to net income (ytd only)* | 85.7825% | 618 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6775% | 5,775 |
| Loan loss allowance to noncurrent loans | 50.6764% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 1.7863% | 1,203 |
| Noncurrent loans to loans | 1.3369% | 1,914 |
| Net loans and leases to total assets | 85.0581% | 299 |
| Net loans and leases to deposits | 98.8590% | 742 |
| Net loans and leases to core deposits | 105.8514% | 1,109 |
| Total domestic deposits to total assets | 86.0398% | 2,505 |
| Equity capital to assets | 13.7517% | 1,123 |
| Core capital (leverage) ratio | 10.9598% | 2,531 |
| Tier 1 risk-based capital ratio | 11.1792% | 5,558 |
| Total risk-based capital ratio | 11.7773% | 5,800 |
| Memoranda: |
| Average total assets | $2,784,028,500 | 302 |
| Average earning assets | $2,526,112,500 | 297 |
| Average equity | $372,813,000 | 264 |
| Average total loans | $2,316,861,250 | 260 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7253% | 1,021 |
| Cost of funding earning assets | 0.1912% | 5,519 |
| Net interest margin | 4.5341% | 594 |
| Noninterest income to average assets | 0.4500% | 3,708 |
| Noninterest expense to average assets | 2.1124% | 5,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.4514% | 177 |
| Return on assets (ROA) | 2.4514% | 187 |
| Pretax return on assets | 2.4514% | 262 |
| Return on Equity (ROE) | 18.4792% | 379 |
| Retained earnings to average equity (ytd only) | -0.8857% | 5,675 |
| Net charge-offs to loans | 0.0217% | 3,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 137.2317% | 461 |
| Efficiency ratio | 45.8957% | 6,047 |
| Assets per employee ($millions) | 5.3403% | 1,889 |
| Cash dividends to net income (ytd only)* | 104.7928% | 470 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7050% | 5,809 |
| Loan loss allowance to noncurrent loans | 54.3566% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 1,355 |
| Noncurrent loans to loans | 1.2971% | 2,069 |
| Net loans and leases to total assets | 81.0119% | 669 |
| Net loans and leases to deposits | 93.6080% | 1,187 |
| Net loans and leases to core deposits | 100.4505% | 1,456 |
| Total domestic deposits to total assets | 86.5438% | 2,404 |
| Equity capital to assets | 13.2706% | 1,268 |
| Core capital (leverage) ratio | 10.6066% | 2,844 |
| Tier 1 risk-based capital ratio | 11.0672% | 5,681 |
| Total risk-based capital ratio | 11.6809% | 5,886 |
| Memoranda: |
| Average total assets | $2,754,263,670 | 302 |
| Average earning assets | $2,498,942,330 | 298 |
| Average equity | $365,373,670 | 269 |
| Average total loans | $2,268,926,330 | 265 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7076% | 1,021 |
| Cost of funding earning assets | 0.1918% | 5,582 |
| Net interest margin | 4.5159% | 589 |
| Noninterest income to average assets | 0.3624% | 4,312 |
| Noninterest expense to average assets | 2.0685% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.3991% | 180 |
| Return on assets (ROA) | 2.3991% | 191 |
| Pretax return on assets | 2.3991% | 277 |
| Return on Equity (ROE) | 18.0885% | 379 |
| Retained earnings to average equity (ytd only) | 15.2823% | 261 |
| Net charge-offs to loans | 0.0029% | 3,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1,007.1875% | 42 |
| Efficiency ratio | 45.8896% | 6,107 |
| Assets per employee ($millions) | 5.6179% | 1,696 |
| Cash dividends to net income (ytd only)* | 15.5135% | 2,639 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7355% | 5,837 |
| Loan loss allowance to noncurrent loans | 41.8557% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 2.0697% | 1,129 |
| Noncurrent loans to loans | 1.7573% | 1,551 |
| Net loans and leases to total assets | 82.1009% | 453 |
| Net loans and leases to deposits | 94.8180% | 910 |
| Net loans and leases to core deposits | 101.3962% | 1,224 |
| Total domestic deposits to total assets | 86.5879% | 2,614 |
| Equity capital to assets | 13.2586% | 1,278 |
| Core capital (leverage) ratio | 10.9437% | 2,466 |
| Tier 1 risk-based capital ratio | 11.3300% | 5,646 |
| Total risk-based capital ratio | 11.9792% | 5,852 |
| Memoranda: |
| Average total assets | $2,686,838,500 | 304 |
| Average earning assets | $2,442,505,500 | 301 |
| Average equity | $356,359,000 | 270 |
| Average total loans | $2,224,816,500 | 266 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5468% | 1,706 |
| Cost of funding earning assets | 0.2168% | 5,614 |
| Net interest margin | 4.3300% | 1,006 |
| Noninterest income to average assets | 0.4984% | 3,527 |
| Noninterest expense to average assets | 2.1102% | 5,551 |
| Loan and lease loss provision to assets | 0.0275% | 4,053 |
| Net operating income to assets | 2.2807% | 193 |
| Return on assets (ROA) | 2.2805% | 198 |
| Pretax return on assets | 2.2805% | 274 |
| Return on Equity (ROE) | 17.3178% | 454 |
| Retained earnings to average equity (ytd only) | 10.5005% | 442 |
| Net charge-offs to loans | 0.0336% | 4,158 |
| Credit loss provision to net charge-offs | 101.3413% | 2,361 |
| Earnings coverage of net charge-offs (x) | 85.0581% | 598 |
| Efficiency ratio | 47.6087% | 6,198 |
| Assets per employee ($millions) | 5.5881% | 1,697 |
| Cash dividends to net income (ytd only)* | 39.3658% | 2,885 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7812% | 5,825 |
| Loan loss allowance to noncurrent loans | 33.3057% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.7738% | 783 |
| Noncurrent loans to loans | 2.3455% | 1,108 |
| Net loans and leases to total assets | 82.2576% | 494 |
| Net loans and leases to deposits | 95.0412% | 987 |
| Net loans and leases to core deposits | 101.2322% | 1,297 |
| Total domestic deposits to total assets | 86.5495% | 2,540 |
| Equity capital to assets | 13.2679% | 1,239 |
| Core capital (leverage) ratio | 10.7041% | 2,713 |
| Tier 1 risk-based capital ratio | 11.7873% | 5,496 |
| Total risk-based capital ratio | 12.5246% | 5,700 |
| Memoranda: |
| Average total assets | $2,472,637,200 | 307 |
| Average earning assets | $2,238,476,200 | 307 |
| Average equity | $325,612,200 | 275 |
| Average total loans | $1,996,306,000 | 266 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4793% | 1,949 |
| Cost of funding earning assets | 0.2197% | 5,671 |
| Net interest margin | 4.2596% | 1,132 |
| Noninterest income to average assets | 0.5227% | 3,386 |
| Noninterest expense to average assets | 2.1013% | 5,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2769% | 200 |
| Return on assets (ROA) | 2.2766% | 206 |
| Pretax return on assets | 2.2766% | 313 |
| Return on Equity (ROE) | 17.3229% | 514 |
| Retained earnings to average equity (ytd only) | 10.2335% | 649 |
| Net charge-offs to loans | 0.0419% | 3,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 67.7463% | 795 |
| Efficiency ratio | 47.8419% | 6,207 |
| Assets per employee ($millions) | 5.2931% | 1,907 |
| Cash dividends to net income (ytd only)* | 40.9251% | 2,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7752% | 5,933 |
| Loan loss allowance to noncurrent loans | 30.4978% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 2.9985% | 787 |
| Noncurrent loans to loans | 2.5417% | 1,145 |
| Net loans and leases to total assets | 81.8257% | 532 |
| Net loans and leases to deposits | 94.4852% | 994 |
| Net loans and leases to core deposits | 101.0385% | 1,292 |
| Total domestic deposits to total assets | 86.6016% | 2,528 |
| Equity capital to assets | 13.2222% | 1,315 |
| Core capital (leverage) ratio | 10.4944% | 3,049 |
| Tier 1 risk-based capital ratio | 11.6085% | 5,736 |
| Total risk-based capital ratio | 12.3336% | 5,914 |
| Memoranda: |
| Average total assets | $2,439,780,000 | 306 |
| Average earning assets | $2,208,315,750 | 305 |
| Average equity | $320,639,000 | 272 |
| Average total loans | $1,955,655,500 | 268 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3856% | 2,230 |
| Cost of funding earning assets | 0.2190% | 5,754 |
| Net interest margin | 4.1666% | 1,327 |
| Noninterest income to average assets | 0.5090% | 3,410 |
| Noninterest expense to average assets | 2.0898% | 5,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1876% | 234 |
| Return on assets (ROA) | 2.1872% | 243 |
| Pretax return on assets | 2.1872% | 378 |
| Return on Equity (ROE) | 16.6787% | 589 |
| Retained earnings to average equity (ytd only) | 9.1773% | 927 |
| Net charge-offs to loans | 0.0411% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 67.1403% | 751 |
| Efficiency ratio | 48.6971% | 6,248 |
| Assets per employee ($millions) | 5.2434% | 1,924 |
| Cash dividends to net income (ytd only)* | 44.9761% | 2,158 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8149% | 5,936 |
| Loan loss allowance to noncurrent loans | 27.5603% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 3.1559% | 796 |
| Noncurrent loans to loans | 2.9569% | 996 |
| Net loans and leases to total assets | 79.1233% | 786 |
| Net loans and leases to deposits | 90.9484% | 1,276 |
| Net loans and leases to core deposits | 97.3915% | 1,483 |
| Total domestic deposits to total assets | 86.9981% | 2,455 |
| Equity capital to assets | 12.8651% | 1,444 |
| Core capital (leverage) ratio | 10.2271% | 3,295 |
| Tier 1 risk-based capital ratio | 11.5848% | 5,755 |
| Total risk-based capital ratio | 12.3482% | 5,947 |
| Memoranda: |
| Average total assets | $2,406,143,670 | 311 |
| Average earning assets | $2,176,220,670 | 308 |
| Average equity | $315,540,000 | 277 |
| Average total loans | $1,909,148,000 | 270 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2947% | 2,545 |
| Cost of funding earning assets | 0.2015% | 5,979 |
| Net interest margin | 4.0932% | 1,473 |
| Noninterest income to average assets | 0.4980% | 3,429 |
| Noninterest expense to average assets | 2.0323% | 5,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1660% | 254 |
| Return on assets (ROA) | 2.1651% | 266 |
| Pretax return on assets | 2.1651% | 378 |
| Return on Equity (ROE) | 16.3426% | 606 |
| Retained earnings to average equity (ytd only) | 13.8491% | 406 |
| Net charge-offs to loans | 0.0816% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 33.5635% | 982 |
| Efficiency ratio | 48.2412% | 6,345 |
| Assets per employee ($millions) | 4.9794% | 2,274 |
| Cash dividends to net income (ytd only)* | 15.2578% | 2,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8362% | 6,031 |
| Loan loss allowance to noncurrent loans | 27.1158% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 3.4473% | 759 |
| Noncurrent loans to loans | 3.0839% | 1,019 |
| Net loans and leases to total assets | 77.4030% | 832 |
| Net loans and leases to deposits | 88.8326% | 1,270 |
| Net loans and leases to core deposits | 95.5030% | 1,423 |
| Total domestic deposits to total assets | 87.1335% | 2,734 |
| Equity capital to assets | 12.7585% | 1,425 |
| Core capital (leverage) ratio | 10.0446% | 3,503 |
| Tier 1 risk-based capital ratio | 11.7404% | 5,791 |
| Total risk-based capital ratio | 12.5266% | 5,979 |
| Memoranda: |
| Average total assets | $2,342,943,500 | 319 |
| Average earning assets | $2,118,039,000 | 315 |
| Average equity | $310,403,000 | 276 |
| Average total loans | $1,853,573,500 | 271 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6395% | 1,744 |
| Cost of funding earning assets | 0.2024% | 6,278 |
| Net interest margin | 4.4371% | 847 |
| Noninterest income to average assets | 0.5436% | 3,447 |
| Noninterest expense to average assets | 2.0995% | 5,832 |
| Loan and lease loss provision to assets | 0.0154% | 4,818 |
| Net operating income to assets | 2.4271% | 185 |
| Return on assets (ROA) | 2.4274% | 187 |
| Pretax return on assets | 2.4274% | 221 |
| Return on Equity (ROE) | 17.6011% | 443 |
| Retained earnings to average equity (ytd only) | 9.6711% | 627 |
| Net charge-offs to loans | 0.0184% | 5,075 |
| Credit loss provision to net charge-offs | 104.5902% | 2,314 |
| Earnings coverage of net charge-offs (x) | 165.8262% | 283 |
| Efficiency ratio | 45.8799% | 6,561 |
| Assets per employee ($millions) | 5.0147% | 2,164 |
| Cash dividends to net income (ytd only)* | 45.0541% | 2,546 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9706% | 5,700 |
| Loan loss allowance to noncurrent loans | 157.6653% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.7938% | 3,897 |
| Noncurrent loans to loans | 0.6156% | 4,437 |
| Net loans and leases to total assets | 79.5682% | 639 |
| Net loans and leases to deposits | 92.4336% | 1,009 |
| Net loans and leases to core deposits | 98.8674% | 1,247 |
| Total domestic deposits to total assets | 86.0814% | 3,215 |
| Equity capital to assets | 13.8207% | 958 |
| Core capital (leverage) ratio | 11.1052% | 2,290 |
| Tier 1 risk-based capital ratio | 12.6407% | 5,209 |
| Total risk-based capital ratio | 13.5644% | 5,344 |
| Memoranda: |
| Average total assets | $2,070,680,600 | 343 |
| Average earning assets | $1,865,944,400 | 343 |
| Average equity | $285,572,600 | 285 |
| Average total loans | $1,655,195,000 | 291 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6679% | 1,687 |
| Cost of funding earning assets | 0.2066% | 6,376 |
| Net interest margin | 4.4613% | 785 |
| Noninterest income to average assets | 0.5947% | 3,182 |
| Noninterest expense to average assets | 2.1242% | 5,785 |
| Loan and lease loss provision to assets | 0.0009% | 4,930 |
| Net operating income to assets | 2.4842% | 175 |
| Return on assets (ROA) | 2.4846% | 182 |
| Pretax return on assets | 2.4846% | 250 |
| Return on Equity (ROE) | 18.0261% | 439 |
| Retained earnings to average equity (ytd only) | 10.1506% | 756 |
| Net charge-offs to loans | 0.0090% | 4,971 |
| Credit loss provision to net charge-offs | 12.7273% | 4,187 |
| Earnings coverage of net charge-offs (x) | 347.0344% | 171 |
| Efficiency ratio | 45.7451% | 6,597 |
| Assets per employee ($millions) | 4.8748% | 2,337 |
| Cash dividends to net income (ytd only)* | 43.6892% | 2,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0027% | 5,699 |
| Loan loss allowance to noncurrent loans | 139.9048% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 3,648 |
| Noncurrent loans to loans | 0.7167% | 4,422 |
| Net loans and leases to total assets | 78.0420% | 740 |
| Net loans and leases to deposits | 90.6899% | 1,089 |
| Net loans and leases to core deposits | 96.5879% | 1,348 |
| Total domestic deposits to total assets | 86.0537% | 3,223 |
| Equity capital to assets | 13.7983% | 1,021 |
| Core capital (leverage) ratio | 10.9350% | 2,544 |
| Tier 1 risk-based capital ratio | 12.8172% | 5,249 |
| Total risk-based capital ratio | 13.7743% | 5,385 |
| Memoranda: |
| Average total assets | $2,048,012,500 | 346 |
| Average earning assets | $1,842,945,500 | 349 |
| Average equity | $282,287,250 | 288 |
| Average total loans | $1,634,842,500 | 291 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6816% | 1,621 |
| Cost of funding earning assets | 0.2101% | 6,425 |
| Net interest margin | 4.4715% | 752 |
| Noninterest income to average assets | 0.5815% | 3,309 |
| Noninterest expense to average assets | 2.1229% | 5,823 |
| Loan and lease loss provision to assets | 0.0014% | 4,768 |
| Net operating income to assets | 2.4762% | 183 |
| Return on assets (ROA) | 2.4768% | 191 |
| Pretax return on assets | 2.4768% | 282 |
| Return on Equity (ROE) | 17.9760% | 460 |
| Retained earnings to average equity (ytd only) | 9.3878% | 998 |
| Net charge-offs to loans | 0.0131% | 4,595 |
| Credit loss provision to net charge-offs | 13.2075% | 3,850 |
| Earnings coverage of net charge-offs (x) | 236.5189% | 219 |
| Efficiency ratio | 45.8080% | 6,647 |
| Assets per employee ($millions) | 5.5099% | 1,580 |
| Cash dividends to net income (ytd only)* | 47.7756% | 1,969 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0180% | 5,746 |
| Loan loss allowance to noncurrent loans | 138.7737% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 3,515 |
| Noncurrent loans to loans | 0.7335% | 4,458 |
| Net loans and leases to total assets | 78.1930% | 726 |
| Net loans and leases to deposits | 90.6409% | 1,086 |
| Net loans and leases to core deposits | 96.3772% | 1,319 |
| Total domestic deposits to total assets | 86.2668% | 3,224 |
| Equity capital to assets | 13.6097% | 1,083 |
| Core capital (leverage) ratio | 10.7176% | 2,652 |
| Tier 1 risk-based capital ratio | 12.4082% | 5,563 |
| Total risk-based capital ratio | 13.3729% | 5,665 |
| Memoranda: |
| Average total assets | $2,023,840,000 | 356 |
| Average earning assets | $1,819,042,670 | 351 |
| Average equity | $278,850,330 | 291 |
| Average total loans | $1,622,568,330 | 294 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7259% | 1,464 |
| Cost of funding earning assets | 0.2130% | 6,516 |
| Net interest margin | 4.5129% | 668 |
| Noninterest income to average assets | 0.6140% | 3,057 |
| Noninterest expense to average assets | 2.1175% | 5,874 |
| Loan and lease loss provision to assets | 0.0028% | 4,388 |
| Net operating income to assets | 2.5400% | 152 |
| Return on assets (ROA) | 2.5412% | 164 |
| Pretax return on assets | 2.5412% | 255 |
| Return on Equity (ROE) | 18.3262% | 408 |
| Retained earnings to average equity (ytd only) | 14.9240% | 360 |
| Net charge-offs to loans | 0.0172% | 3,812 |
| Credit loss provision to net charge-offs | 20.2899% | 3,028 |
| Earnings coverage of net charge-offs (x) | 183.4928% | 224 |
| Efficiency ratio | 45.1172% | 6,727 |
| Assets per employee ($millions) | 5.6283% | 1,561 |
| Cash dividends to net income (ytd only)* | 18.5648% | 2,337 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0339% | 5,861 |
| Loan loss allowance to noncurrent loans | 136.2982% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 3,478 |
| Noncurrent loans to loans | 0.7586% | 4,610 |
| Net loans and leases to total assets | 76.5804% | 769 |
| Net loans and leases to deposits | 88.4811% | 1,097 |
| Net loans and leases to core deposits | 93.7476% | 1,365 |
| Total domestic deposits to total assets | 86.5500% | 3,206 |
| Equity capital to assets | 13.3656% | 1,260 |
| Core capital (leverage) ratio | 10.5318% | 2,735 |
| Tier 1 risk-based capital ratio | 12.5170% | 5,566 |
| Total risk-based capital ratio | 13.5126% | 5,700 |
| Memoranda: |
| Average total assets | $1,991,632,000 | 364 |
| Average earning assets | $1,785,733,000 | 360 |
| Average equity | $276,173,000 | 298 |
| Average total loans | $1,609,021,000 | 296 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8410% | 2,055 |
| Cost of funding earning assets | 0.2709% | 6,586 |
| Net interest margin | 4.5701% | 827 |
| Noninterest income to average assets | 0.5192% | 3,777 |
| Noninterest expense to average assets | 2.0070% | 6,312 |
| Loan and lease loss provision to assets | 0.0203% | 5,650 |
| Net operating income to assets | 2.6003% | 134 |
| Return on assets (ROA) | 2.6003% | 148 |
| Pretax return on assets | 2.6003% | 222 |
| Return on Equity (ROE) | 18.3606% | 413 |
| Retained earnings to average equity (ytd only) | 10.1960% | 558 |
| Net charge-offs to loans | 0.0248% | 5,552 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 129.1698% | 312 |
| Efficiency ratio | 43.0738% | 6,873 |
| Assets per employee ($millions) | 4.9690% | 2,269 |
| Cash dividends to net income (ytd only)* | 44.4681% | 2,618 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0639% | 5,703 |
| Loan loss allowance to noncurrent loans | 84.7434% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.6396% | 2,943 |
| Noncurrent loans to loans | 1.2555% | 3,737 |
| Net loans and leases to total assets | 83.7089% | 233 |
| Net loans and leases to deposits | 97.9303% | 513 |
| Net loans and leases to core deposits | 104.3388% | 770 |
| Total domestic deposits to total assets | 85.4781% | 3,622 |
| Equity capital to assets | 14.4282% | 901 |
| Core capital (leverage) ratio | 11.5860% | 1,815 |
| Tier 1 risk-based capital ratio | 12.8386% | 5,223 |
| Total risk-based capital ratio | 13.8617% | 5,340 |
| Memoranda: |
| Average total assets | $1,858,243,600 | 378 |
| Average earning assets | $1,670,511,400 | 375 |
| Average equity | $263,172,200 | 303 |
| Average total loans | $1,522,512,800 | 305 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8417% | 2,230 |
| Cost of funding earning assets | 0.2869% | 6,670 |
| Net interest margin | 4.5549% | 895 |
| Noninterest income to average assets | 0.5039% | 3,902 |
| Noninterest expense to average assets | 2.0066% | 6,343 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.5949% | 153 |
| Return on assets (ROA) | 2.5949% | 163 |
| Pretax return on assets | 2.5949% | 257 |
| Return on Equity (ROE) | 18.4099% | 453 |
| Retained earnings to average equity (ytd only) | 16.3682% | 179 |
| Net charge-offs to loans | -0.0042% | 6,256 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3074% | 6,919 |
| Assets per employee ($millions) | 4.9508% | 2,253 |
| Cash dividends to net income (ytd only)* | 11.0902% | 3,393 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1201% | 5,637 |
| Loan loss allowance to noncurrent loans | 77.0063% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.8789% | 2,817 |
| Noncurrent loans to loans | 1.4545% | 3,624 |
| Net loans and leases to total assets | 81.4485% | 388 |
| Net loans and leases to deposits | 96.0326% | 659 |
| Net loans and leases to core deposits | 102.1400% | 975 |
| Total domestic deposits to total assets | 84.8133% | 3,832 |
| Equity capital to assets | 15.0394% | 811 |
| Core capital (leverage) ratio | 12.1291% | 1,574 |
| Tier 1 risk-based capital ratio | 14.0084% | 4,511 |
| Total risk-based capital ratio | 15.1007% | 4,606 |
| Memoranda: |
| Average total assets | $1,853,234,750 | 380 |
| Average earning assets | $1,667,190,500 | 376 |
| Average equity | $261,214,750 | 303 |
| Average total loans | $1,505,842,250 | 308 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8467% | 2,319 |
| Cost of funding earning assets | 0.3096% | 6,694 |
| Net interest margin | 4.5370% | 933 |
| Noninterest income to average assets | 0.5121% | 3,850 |
| Noninterest expense to average assets | 1.9994% | 6,435 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.5900% | 153 |
| Return on assets (ROA) | 2.5900% | 172 |
| Pretax return on assets | 2.5900% | 267 |
| Return on Equity (ROE) | 18.7902% | 432 |
| Retained earnings to average equity (ytd only) | 18.7902% | 127 |
| Net charge-offs to loans | 0.0072% | 5,381 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 445.7593% | 90 |
| Efficiency ratio | 43.2654% | 6,979 |
| Assets per employee ($millions) | 5.1867% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1080% | 5,745 |
| Loan loss allowance to noncurrent loans | 84.3755% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.8047% | 3,030 |
| Noncurrent loans to loans | 1.3131% | 3,954 |
| Net loans and leases to total assets | 81.0154% | 404 |
| Net loans and leases to deposits | 94.8321% | 707 |
| Net loans and leases to core deposits | 101.1732% | 1,029 |
| Total domestic deposits to total assets | 85.4303% | 3,652 |
| Equity capital to assets | 14.4460% | 934 |
| Core capital (leverage) ratio | 11.6633% | 1,804 |
| Tier 1 risk-based capital ratio | 13.4831% | 4,838 |
| Total risk-based capital ratio | 14.5690% | 4,917 |
| Memoranda: |
| Average total assets | $1,858,730,670 | 377 |
| Average earning assets | $1,670,428,330 | 374 |
| Average equity | $256,207,670 | 307 |
| Average total loans | $1,503,473,670 | 307 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8598% | 2,398 |
| Cost of funding earning assets | 0.3371% | 6,694 |
| Net interest margin | 4.5227% | 970 |
| Noninterest income to average assets | 0.5134% | 3,824 |
| Noninterest expense to average assets | 1.9937% | 6,472 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5910% | 157 |
| Return on assets (ROA) | 2.5910% | 188 |
| Pretax return on assets | 2.5910% | 293 |
| Return on Equity (ROE) | 19.2588% | 430 |
| Retained earnings to average equity (ytd only) | 19.2588% | 209 |
| Net charge-offs to loans | 0.0201% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 160.6133% | 225 |
| Efficiency ratio | 43.1856% | 7,020 |
| Assets per employee ($millions) | 5.1135% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1060% | 5,887 |
| Loan loss allowance to noncurrent loans | 76.6210% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.8343% | 3,133 |
| Noncurrent loans to loans | 1.4434% | 3,949 |
| Net loans and leases to total assets | 80.2327% | 386 |
| Net loans and leases to deposits | 93.4439% | 702 |
| Net loans and leases to core deposits | 100.3763% | 968 |
| Total domestic deposits to total assets | 85.8619% | 3,610 |
| Equity capital to assets | 13.6526% | 1,176 |
| Core capital (leverage) ratio | 10.9141% | 2,332 |
| Tier 1 risk-based capital ratio | 12.8066% | 5,354 |
| Total risk-based capital ratio | 14.1730% | 5,242 |
| Memoranda: |
| Average total assets | $1,859,675,500 | 375 |
| Average earning assets | $1,674,056,500 | 369 |
| Average equity | $250,192,000 | 307 |
| Average total loans | $1,494,620,000 | 304 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0600% | 2,607 |
| Cost of funding earning assets | 0.5053% | 6,503 |
| Net interest margin | 4.5547% | 1,016 |
| Noninterest income to average assets | 0.4340% | 4,341 |
| Noninterest expense to average assets | 2.1660% | 6,338 |
| Loan and lease loss provision to assets | 0.4672% | 2,268 |
| Net operating income to assets | 1.8744% | 403 |
| Return on assets (ROA) | 1.8744% | 438 |
| Pretax return on assets | 1.8744% | 700 |
| Return on Equity (ROE) | 13.9140% | 951 |
| Retained earnings to average equity (ytd only) | 8.7908% | 860 |
| Net charge-offs to loans | 0.9006% | 1,927 |
| Credit loss provision to net charge-offs | 62.9174% | 5,093 |
| Earnings coverage of net charge-offs (x) | 3.1536% | 3,633 |
| Efficiency ratio | 47.3877% | 6,972 |
| Assets per employee ($millions) | 5.2498% | 1,886 |
| Cash dividends to net income (ytd only)* | 36.8202% | 2,767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1532% | 5,613 |
| Loan loss allowance to noncurrent loans | 62.9569% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 2.1518% | 2,784 |
| Noncurrent loans to loans | 1.8317% | 3,432 |
| Net loans and leases to total assets | 78.6780% | 637 |
| Net loans and leases to deposits | 91.2291% | 1,031 |
| Net loans and leases to core deposits | 98.7874% | 1,279 |
| Total domestic deposits to total assets | 86.2422% | 3,171 |
| Equity capital to assets | 13.2508% | 1,382 |
| Core capital (leverage) ratio | 10.4991% | 2,730 |
| Tier 1 risk-based capital ratio | 12.3598% | 5,572 |
| Total risk-based capital ratio | 13.7699% | 5,420 |
| Memoranda: |
| Average total assets | $1,742,237,000 | 384 |
| Average earning assets | $1,558,175,200 | 386 |
| Average equity | $234,699,200 | 310 |
| Average total loans | $1,436,328,800 | 314 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1247% | 2,493 |
| Cost of funding earning assets | 0.5456% | 6,531 |
| Net interest margin | 4.5792% | 986 |
| Noninterest income to average assets | 0.5038% | 3,843 |
| Noninterest expense to average assets | 2.2071% | 6,261 |
| Loan and lease loss provision to assets | 0.5435% | 1,812 |
| Net operating income to assets | 1.8452% | 477 |
| Return on assets (ROA) | 1.8452% | 511 |
| Pretax return on assets | 1.8452% | 868 |
| Return on Equity (ROE) | 13.6376% | 1,127 |
| Retained earnings to average equity (ytd only) | 7.6641% | 1,642 |
| Net charge-offs to loans | 1.0441% | 1,530 |
| Credit loss provision to net charge-offs | 62.5670% | 4,724 |
| Earnings coverage of net charge-offs (x) | 2.7497% | 3,757 |
| Efficiency ratio | 47.3635% | 6,994 |
| Assets per employee ($millions) | 4.8984% | 2,328 |
| Cash dividends to net income (ytd only)* | 43.8016% | 1,862 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1544% | 5,662 |
| Loan loss allowance to noncurrent loans | 63.2157% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 2.1372% | 2,988 |
| Noncurrent loans to loans | 1.8261% | 3,608 |
| Net loans and leases to total assets | 81.3808% | 404 |
| Net loans and leases to deposits | 94.4411% | 802 |
| Net loans and leases to core deposits | 103.0814% | 1,035 |
| Total domestic deposits to total assets | 86.1710% | 3,111 |
| Equity capital to assets | 13.2499% | 1,493 |
| Core capital (leverage) ratio | 10.5036% | 2,863 |
| Tier 1 risk-based capital ratio | 11.8338% | 6,017 |
| Total risk-based capital ratio | 13.2454% | 5,886 |
| Memoranda: |
| Average total assets | $1,717,126,250 | 391 |
| Average earning assets | $1,534,482,000 | 390 |
| Average equity | $232,331,750 | 316 |
| Average total loans | $1,428,736,750 | 314 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0786% | 2,779 |
| Cost of funding earning assets | 0.5813% | 6,537 |
| Net interest margin | 4.4972% | 1,139 |
| Noninterest income to average assets | 0.4835% | 3,993 |
| Noninterest expense to average assets | 2.2455% | 6,257 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.2542% | 240 |
| Return on assets (ROA) | 2.2542% | 256 |
| Pretax return on assets | 2.2542% | 382 |
| Return on Equity (ROE) | 16.5400% | 607 |
| Retained earnings to average equity (ytd only) | 11.6312% | 572 |
| Net charge-offs to loans | 0.1260% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 21.4231% | 1,153 |
| Efficiency ratio | 49.2179% | 6,990 |
| Assets per employee ($millions) | 4.7967% | 2,409 |
| Cash dividends to net income (ytd only)* | 29.6783% | 2,490 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9867% | 6,384 |
| Loan loss allowance to noncurrent loans | 56.7030% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 2.1397% | 3,061 |
| Noncurrent loans to loans | 1.7401% | 3,828 |
| Net loans and leases to total assets | 84.2229% | 232 |
| Net loans and leases to deposits | 98.5083% | 566 |
| Net loans and leases to core deposits | 107.7103% | 829 |
| Total domestic deposits to total assets | 85.4982% | 3,626 |
| Equity capital to assets | 13.9165% | 1,126 |
| Core capital (leverage) ratio | 10.7961% | 2,423 |
| Tier 1 risk-based capital ratio | 12.0120% | 5,780 |
| Total risk-based capital ratio | 13.3572% | 5,672 |
| Memoranda: |
| Average total assets | $1,693,531,330 | 400 |
| Average earning assets | $1,512,392,330 | 398 |
| Average equity | $230,810,330 | 320 |
| Average total loans | $1,414,312,330 | 323 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0294% | 2,960 |
| Cost of funding earning assets | 0.6332% | 6,463 |
| Net interest margin | 4.3962% | 1,289 |
| Noninterest income to average assets | 0.5063% | 3,834 |
| Noninterest expense to average assets | 2.3811% | 5,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0733% | 315 |
| Return on assets (ROA) | 2.0733% | 329 |
| Pretax return on assets | 2.0733% | 493 |
| Return on Equity (ROE) | 15.4281% | 752 |
| Retained earnings to average equity (ytd only) | 14.8259% | 408 |
| Net charge-offs to loans | 0.1864% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 1,439 |
| Efficiency ratio | 52.7601% | 6,802 |
| Assets per employee ($millions) | 4.8708% | 2,325 |
| Cash dividends to net income (ytd only)* | 3.9036% | 2,473 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0266% | 6,296 |
| Loan loss allowance to noncurrent loans | 96.1869% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0595% | 4,811 |
| Noncurrent loans to loans | 1.0673% | 4,917 |
| Net loans and leases to total assets | 82.1743% | 334 |
| Net loans and leases to deposits | 96.1424% | 681 |
| Net loans and leases to core deposits | 105.5779% | 960 |
| Total domestic deposits to total assets | 85.4714% | 3,801 |
| Equity capital to assets | 13.4919% | 1,185 |
| Core capital (leverage) ratio | 10.4152% | 2,687 |
| Tier 1 risk-based capital ratio | 11.8328% | 5,832 |
| Total risk-based capital ratio | 13.2296% | 5,698 |
| Memoranda: |
| Average total assets | $1,680,382,500 | 405 |
| Average earning assets | $1,509,130,500 | 399 |
| Average equity | $225,821,000 | 322 |
| Average total loans | $1,394,896,000 | 327 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3728% | 2,797 |
| Cost of funding earning assets | 0.8153% | 6,501 |
| Net interest margin | 4.5575% | 1,114 |
| Noninterest income to average assets | 0.6735% | 3,001 |
| Noninterest expense to average assets | 2.6578% | 5,185 |
| Loan and lease loss provision to assets | 0.1543% | 5,664 |
| Net operating income to assets | 1.9437% | 311 |
| Return on assets (ROA) | 1.9437% | 326 |
| Pretax return on assets | 1.9437% | 549 |
| Return on Equity (ROE) | 14.0438% | 873 |
| Retained earnings to average equity (ytd only) | 4.1957% | 2,906 |
| Net charge-offs to loans | 0.0318% | 6,485 |
| Credit loss provision to net charge-offs | 573.6471% | 385 |
| Earnings coverage of net charge-offs (x) | 78.0118% | 310 |
| Efficiency ratio | 49.3121% | 7,185 |
| Assets per employee ($millions) | 4.7179% | 2,537 |
| Cash dividends to net income (ytd only)* | 70.1240% | 1,201 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1419% | 5,772 |
| Loan loss allowance to noncurrent loans | 85.9945% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.4763% | 4,108 |
| Noncurrent loans to loans | 1.3279% | 4,503 |
| Net loans and leases to total assets | 82.0464% | 448 |
| Net loans and leases to deposits | 95.7766% | 890 |
| Net loans and leases to core deposits | 105.0519% | 1,251 |
| Total domestic deposits to total assets | 85.6644% | 3,517 |
| Equity capital to assets | 13.3838% | 1,224 |
| Core capital (leverage) ratio | 10.0763% | 2,993 |
| Tier 1 risk-based capital ratio | 11.5244% | 5,884 |
| Total risk-based capital ratio | 13.0390% | 5,657 |
| Memoranda: |
| Average total assets | $1,580,297,000 | 436 |
| Average earning assets | $1,415,526,400 | 436 |
| Average equity | $218,723,400 | 323 |
| Average total loans | $1,337,283,000 | 349 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1675% | 4,002 |
| Cost of funding earning assets | 0.8716% | 6,500 |
| Net interest margin | 4.2958% | 1,862 |
| Noninterest income to average assets | 0.6483% | 3,137 |
| Noninterest expense to average assets | 2.4644% | 5,836 |
| Loan and lease loss provision to assets | 0.0316% | 6,757 |
| Net operating income to assets | 1.8481% | 452 |
| Return on assets (ROA) | 1.8481% | 501 |
| Pretax return on assets | 1.8481% | 850 |
| Return on Equity (ROE) | 10.9825% | 1,791 |
| Retained earnings to average equity (ytd only) | 8.7698% | 1,129 |
| Net charge-offs to loans | 0.0606% | 5,906 |
| Credit loss provision to net charge-offs | 63.5379% | 5,607 |
| Earnings coverage of net charge-offs (x) | 37.8163% | 718 |
| Efficiency ratio | 45.1857% | 7,419 |
| Assets per employee ($millions) | 5.2882% | 1,835 |
| Cash dividends to net income (ytd only)* | 20.1476% | 2,966 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9836% | 6,466 |
| Loan loss allowance to noncurrent loans | 42.1860% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 1.9027% | 3,610 |
| Noncurrent loans to loans | 2.3315% | 3,304 |
| Net loans and leases to total assets | 80.3639% | 685 |
| Net loans and leases to deposits | 98.1160% | 785 |
| Net loans and leases to core deposits | 108.6363% | 1,117 |
| Total domestic deposits to total assets | 81.9070% | 5,031 |
| Equity capital to assets | 16.8949% | 526 |
| Core capital (leverage) ratio | 10.7280% | 2,487 |
| Tier 1 risk-based capital ratio | 11.9483% | 5,509 |
| Total risk-based capital ratio | 13.9874% | 4,767 |
| Memoranda: |
| Average total assets | $743,029,250 | 912 |
| Average earning assets | $639,241,250 | 954 |
| Average equity | $125,031,750 | 536 |
| Average total loans | $609,801,250 | 728 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2402% | 3,758 |
| Cost of funding earning assets | 0.8939% | 6,609 |
| Net interest margin | 4.3463% | 1,608 |
| Noninterest income to average assets | 0.6552% | 2,981 |
| Noninterest expense to average assets | 2.4775% | 5,807 |
| Loan and lease loss provision to assets | 0.0478% | 6,487 |
| Net operating income to assets | 1.8592% | 438 |
| Return on assets (ROA) | 1.8592% | 478 |
| Pretax return on assets | 1.8592% | 800 |
| Return on Equity (ROE) | 11.0641% | 1,731 |
| Retained earnings to average equity (ytd only) | 11.0641% | 642 |
| Net charge-offs to loans | 0.0382% | 5,829 |
| Credit loss provision to net charge-offs | 151.7241% | 2,590 |
| Earnings coverage of net charge-offs (x) | 60.5690% | 510 |
| Efficiency ratio | 44.9672% | 7,484 |
| Assets per employee ($millions) | 5.2039% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0450% | 6,204 |
| Loan loss allowance to noncurrent loans | 48.2860% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.7382% | 3,838 |
| Noncurrent loans to loans | 2.1642% | 3,514 |
| Net loans and leases to total assets | 78.3071% | 1,060 |
| Net loans and leases to deposits | 95.6053% | 1,082 |
| Net loans and leases to core deposits | 106.0084% | 1,445 |
| Total domestic deposits to total assets | 81.9067% | 5,026 |
| Equity capital to assets | 16.8681% | 548 |
| Core capital (leverage) ratio | 10.5689% | 2,567 |
| Tier 1 risk-based capital ratio | 11.8490% | 5,449 |
| Total risk-based capital ratio | 13.9595% | 4,651 |
| Memoranda: |
| Average total assets | $736,872,330 | 922 |
| Average earning assets | $632,266,000 | 971 |
| Average equity | $123,824,000 | 538 |
| Average total loans | $607,051,670 | 742 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2768% | 3,656 |
| Cost of funding earning assets | 0.9108% | 6,726 |
| Net interest margin | 4.3660% | 1,484 |
| Noninterest income to average assets | 0.6357% | 3,036 |
| Noninterest expense to average assets | 2.5065% | 5,703 |
| Loan and lease loss provision to assets | 0.0346% | 6,329 |
| Net operating income to assets | 1.8291% | 465 |
| Return on assets (ROA) | 1.8291% | 513 |
| Pretax return on assets | 1.8291% | 839 |
| Return on Equity (ROE) | 10.9062% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.9062% | 941 |
| Net charge-offs to loans | 0.0065% | 5,517 |
| Credit loss provision to net charge-offs | 630.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 339.2000% | 83 |
| Efficiency ratio | 45.6374% | 7,564 |
| Assets per employee ($millions) | 5.0309% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0259% | 6,340 |
| Loan loss allowance to noncurrent loans | 97.9415% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.8927% | 5,374 |
| Noncurrent loans to loans | 1.0475% | 5,250 |
| Net loans and leases to total assets | 81.8693% | 608 |
| Net loans and leases to deposits | 99.9475% | 755 |
| Net loans and leases to core deposits | 110.9040% | 1,225 |
| Total domestic deposits to total assets | 81.9124% | 5,109 |
| Equity capital to assets | 16.8494% | 552 |
| Core capital (leverage) ratio | 9.8439% | 3,349 |
| Tier 1 risk-based capital ratio | 10.8803% | 6,263 |
| Total risk-based capital ratio | 12.9407% | 5,454 |
| Memoranda: |
| Average total assets | $728,025,500 | 946 |
| Average earning assets | $622,722,000 | 1,002 |
| Average equity | $122,095,500 | 549 |
| Average total loans | $612,018,000 | 750 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2151% | 5,583 |
| Cost of funding earning assets | 1.1099% | 6,940 |
| Net interest margin | 4.1052% | 2,421 |
| Noninterest income to average assets | 0.6450% | 3,325 |
| Noninterest expense to average assets | 2.7788% | 5,055 |
| Loan and lease loss provision to assets | 0.4548% | 4,097 |
| Net operating income to assets | 0.9104% | 2,145 |
| Return on assets (ROA) | 0.9104% | 2,205 |
| Pretax return on assets | 0.9104% | 2,891 |
| Return on Equity (ROE) | 5.6238% | 3,369 |
| Retained earnings to average equity (ytd only) | 5.6238% | 1,513 |
| Net charge-offs to loans | 0.4741% | 3,881 |
| Credit loss provision to net charge-offs | 118.4971% | 4,549 |
| Earnings coverage of net charge-offs (x) | 3.5571% | 3,294 |
| Efficiency ratio | 53.4997% | 7,278 |
| Assets per employee ($millions) | 4.9085% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0025% | 6,366 |
| Loan loss allowance to noncurrent loans | 1,030.0000% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 7,229 |
| Noncurrent loans to loans | 0.0973% | 7,168 |
| Net loans and leases to total assets | 84.5807% | 388 |
| Net loans and leases to deposits | 103.2130% | 687 |
| Net loans and leases to core deposits | 118.2477% | 2,102 |
| Total domestic deposits to total assets | 81.9477% | 4,968 |
| Equity capital to assets | 16.6907% | 590 |
| Core capital (leverage) ratio | 9.4733% | 3,749 |
| Tier 1 risk-based capital ratio | 10.1562% | 6,730 |
| Total risk-based capital ratio | 12.1962% | 5,942 |
| Memoranda: |
| Average total assets | $721,238,200 | 945 |
| Average earning assets | $614,737,800 | 1,015 |
| Average equity | $116,753,600 | 564 |
| Average total loans | $583,865,200 | 817 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1174% | 6,208 |
| Cost of funding earning assets | 1.1577% | 7,012 |
| Net interest margin | 3.9597% | 2,996 |
| Noninterest income to average assets | 0.6480% | 3,358 |
| Noninterest expense to average assets | 2.7701% | 5,018 |
| Loan and lease loss provision to assets | 0.3836% | 4,026 |
| Net operating income to assets | 0.8710% | 2,533 |
| Return on assets (ROA) | 0.8710% | 2,604 |
| Pretax return on assets | 0.8710% | 3,314 |
| Return on Equity (ROE) | 5.4226% | 3,774 |
| Retained earnings to average equity (ytd only) | 5.4226% | 2,241 |
| Net charge-offs to loans | 0.0141% | 6,718 |
| Credit loss provision to net charge-offs | 3,401.6393% | 121 |
| Earnings coverage of net charge-offs (x) | 111.2476% | 328 |
| Efficiency ratio | 54.8670% | 7,132 |
| Assets per employee ($millions) | 4.7348% | 2,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3162% | 4,401 |
| Loan loss allowance to noncurrent loans | 136.8609% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 5,506 |
| Noncurrent loans to loans | 0.9617% | 5,371 |
| Net loans and leases to total assets | 80.0306% | 1,161 |
| Net loans and leases to deposits | 97.4119% | 1,394 |
| Net loans and leases to core deposits | 110.7446% | 3,152 |
| Total domestic deposits to total assets | 82.1570% | 4,609 |
| Equity capital to assets | 16.4759% | 711 |
| Core capital (leverage) ratio | 9.2567% | 4,253 |
| Tier 1 risk-based capital ratio | 10.0503% | 6,928 |
| Total risk-based capital ratio | 12.4018% | 5,750 |
| Memoranda: |
| Average total assets | $721,161,750 | 956 |
| Average earning assets | $614,982,000 | 1,029 |
| Average equity | $115,834,250 | 577 |
| Average total loans | $575,714,750 | 847 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0248% | 6,689 |
| Cost of funding earning assets | 1.2097% | 7,078 |
| Net interest margin | 3.8151% | 3,486 |
| Noninterest income to average assets | 0.6230% | 3,515 |
| Noninterest expense to average assets | 2.8324% | 4,816 |
| Loan and lease loss provision to assets | 0.4639% | 3,205 |
| Net operating income to assets | 0.5756% | 3,788 |
| Return on assets (ROA) | 0.5756% | 3,895 |
| Pretax return on assets | 0.5756% | 4,385 |
| Return on Equity (ROE) | 3.6147% | 4,660 |
| Retained earnings to average equity (ytd only) | 3.6147% | 3,288 |
| Net charge-offs to loans | 0.0220% | 6,192 |
| Credit loss provision to net charge-offs | 2,657.1429% | 192 |
| Earnings coverage of net charge-offs (x) | 59.5397% | 599 |
| Efficiency ratio | 58.6501% | 6,742 |
| Assets per employee ($millions) | 4.7359% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2381% | 4,684 |
| Loan loss allowance to noncurrent loans | 129.4212% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 5,327 |
| Noncurrent loans to loans | 0.9566% | 5,309 |
| Net loans and leases to total assets | 81.0619% | 1,125 |
| Net loans and leases to deposits | 98.4207% | 1,462 |
| Net loans and leases to core deposits | 111.6206% | 3,191 |
| Total domestic deposits to total assets | 82.3627% | 4,535 |
| Equity capital to assets | 16.2131% | 795 |
| Core capital (leverage) ratio | 8.8218% | 4,908 |
| Tier 1 risk-based capital ratio | 9.2980% | 7,540 |
| Total risk-based capital ratio | 11.5424% | 6,540 |
| Memoranda: |
| Average total assets | $721,651,670 | 970 |
| Average earning assets | $614,551,000 | 1,044 |
| Average equity | $114,920,330 | 589 |
| Average total loans | $573,067,670 | 872 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8331% | 7,319 |
| Cost of funding earning assets | 1.2705% | 7,115 |
| Net interest margin | 3.5626% | 4,476 |
| Noninterest income to average assets | 0.5761% | 3,717 |
| Noninterest expense to average assets | 2.7843% | 4,627 |
| Loan and lease loss provision to assets | 0.2411% | 4,051 |
| Net operating income to assets | 0.5849% | 4,080 |
| Return on assets (ROA) | 0.5849% | 4,274 |
| Pretax return on assets | 0.5849% | 4,804 |
| Return on Equity (ROE) | 3.7060% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.7060% | 3,840 |
| Net charge-offs to loans | 0.0184% | 5,315 |
| Credit loss provision to net charge-offs | 1,680.7692% | 373 |
| Earnings coverage of net charge-offs (x) | 57.5769% | 662 |
| Efficiency ratio | 61.6384% | 6,120 |
| Assets per employee ($millions) | 4.5752% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0596% | 5,752 |
| Loan loss allowance to noncurrent loans | 53.4114% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 1.6214% | 3,488 |
| Noncurrent loans to loans | 1.9838% | 3,284 |
| Net loans and leases to total assets | 78.3696% | 1,727 |
| Net loans and leases to deposits | 94.7147% | 2,152 |
| Net loans and leases to core deposits | 106.2228% | 3,886 |
| Total domestic deposits to total assets | 82.7428% | 4,270 |
| Equity capital to assets | 15.8984% | 888 |
| Core capital (leverage) ratio | 8.5501% | 5,431 |
| Tier 1 risk-based capital ratio | 9.1580% | 7,700 |
| Total risk-based capital ratio | 11.2547% | 6,821 |
| Memoranda: |
| Average total assets | $724,914,500 | 967 |
| Average earning assets | $617,413,500 | 1,042 |
| Average equity | $114,408,500 | 585 |
| Average total loans | $566,120,500 | 880 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6419% | 6,951 |
| Cost of funding earning assets | 2.0680% | 6,171 |
| Net interest margin | 3.5739% | 4,995 |
| Noninterest income to average assets | 0.4389% | 5,126 |
| Noninterest expense to average assets | 2.7771% | 4,918 |
| Loan and lease loss provision to assets | 0.1394% | 5,576 |
| Net operating income to assets | 0.5713% | 4,437 |
| Return on assets (ROA) | 0.5713% | 4,299 |
| Pretax return on assets | 0.5713% | 4,778 |
| Return on Equity (ROE) | 4.0059% | 4,827 |
| Retained earnings to average equity (ytd only) | 4.0059% | 2,642 |
| Net charge-offs to loans | 0.0309% | 6,392 |
| Credit loss provision to net charge-offs | 654.4910% | 649 |
| Earnings coverage of net charge-offs (x) | 33.3653% | 1,083 |
| Efficiency ratio | 64.7894% | 5,375 |
| Assets per employee ($millions) | 4.1071% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0106% | 5,933 |
| Loan loss allowance to noncurrent loans | 103.8560% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 4,858 |
| Noncurrent loans to loans | 0.9731% | 4,647 |
| Net loans and leases to total assets | 76.2089% | 2,564 |
| Net loans and leases to deposits | 101.4998% | 1,643 |
| Net loans and leases to core deposits | 117.7410% | 2,917 |
| Total domestic deposits to total assets | 75.0828% | 6,433 |
| Equity capital to assets | 15.6669% | 1,009 |
| Core capital (leverage) ratio | 7.7533% | 6,860 |
| Tier 1 risk-based capital ratio | 8.9769% | 7,797 |
| Total risk-based capital ratio | 11.0425% | 6,856 |
| Memoranda: |
| Average total assets | $783,987,600 | 866 |
| Average earning assets | $668,820,400 | 911 |
| Average equity | $111,808,800 | 601 |
| Average total loans | $539,614,800 | 886 |
