| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6249% | 1,007 |
| Cost of funding earning assets | 1.4952% | 1,955 |
| Net interest margin | 4.1297% | 1,032 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.3533% | 2,712 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.5798% | 891 |
| Return on assets (ROA) | 1.5798% | 862 |
| Pretax return on assets | 1.9650% | 709 |
| Return on Equity (ROE) | 14.3100% | 1,425 |
| Retained earnings to average equity (ytd only) | 8.5783% | 1,372 |
| Net charge-offs to loans | 0.0152% | 2,098 |
| Credit loss provision to net charge-offs | 842.1751% | 471 |
| Earnings coverage of net charge-offs (x) | 177.5279% | 634 |
| Efficiency ratio | 51.7652% | 3,852 |
| Assets per employee ($millions) | 7.9956% | 1,443 |
| Cash dividends to net income (ytd only)* | 40.0668% | 2,085 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2692% | 1,925 |
| Loan loss allowance to noncurrent loans | 339.8695% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 1,621 |
| Noncurrent loans to loans | 0.3734% | 1,872 |
| Net loans and leases to total assets | 76.8500% | 995 |
| Net loans and leases to deposits | 91.8406% | 1,109 |
| Net loans and leases to core deposits | 95.0605% | 1,705 |
| Total domestic deposits to total assets | 83.6800% | 2,712 |
| Equity capital to assets | 11.3625% | 1,345 |
| Core capital (leverage) ratio | 8.8880% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0849% | 2,559 |
| Memoranda: |
| Average total assets | $9,795,649,200 | 162 |
| Average earning assets | $8,807,543,400 | 161 |
| Average equity | $1,081,169,400 | 158 |
| Average total loans | $7,453,520,400 | 155 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4769% | 1,042 |
| Cost of funding earning assets | 1.3192% | 2,099 |
| Net interest margin | 4.1577% | 981 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.3368% | 2,687 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.6335% | 887 |
| Return on assets (ROA) | 1.6335% | 877 |
| Pretax return on assets | 2.0581% | 702 |
| Return on Equity (ROE) | 14.9100% | 1,458 |
| Retained earnings to average equity (ytd only) | 10.2997% | 1,320 |
| Net charge-offs to loans | 0.0150% | 1,859 |
| Credit loss provision to net charge-offs | 567.9087% | 578 |
| Earnings coverage of net charge-offs (x) | 185.6611% | 632 |
| Efficiency ratio | 50.9420% | 3,839 |
| Assets per employee ($millions) | 7.8700% | 1,419 |
| Cash dividends to net income (ytd only)* | 30.9268% | 2,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2464% | 2,124 |
| Loan loss allowance to noncurrent loans | 280.0635% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 1,538 |
| Noncurrent loans to loans | 0.4450% | 1,713 |
| Net loans and leases to total assets | 75.3200% | 1,197 |
| Net loans and leases to deposits | 89.8548% | 1,248 |
| Net loans and leases to core deposits | 92.8725% | 1,746 |
| Total domestic deposits to total assets | 83.8300% | 2,827 |
| Equity capital to assets | 11.1091% | 1,303 |
| Core capital (leverage) ratio | 8.8600% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9463% | 2,626 |
| Memoranda: |
| Average total assets | $9,765,919,000 | 163 |
| Average earning assets | $8,781,268,250 | 161 |
| Average equity | $1,069,825,750 | 161 |
| Average total loans | $7,387,535,750 | 156 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3509% | 1,014 |
| Cost of funding earning assets | 1.1161% | 2,226 |
| Net interest margin | 4.2347% | 880 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.3317% | 2,709 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.6713% | 830 |
| Return on assets (ROA) | 1.6713% | 835 |
| Pretax return on assets | 2.0897% | 638 |
| Return on Equity (ROE) | 15.3300% | 1,406 |
| Retained earnings to average equity (ytd only) | 13.0705% | 798 |
| Net charge-offs to loans | 0.0156% | 1,618 |
| Credit loss provision to net charge-offs | 629.3706% | 558 |
| Earnings coverage of net charge-offs (x) | 182.5490% | 659 |
| Efficiency ratio | 50.5919% | 3,874 |
| Assets per employee ($millions) | 7.7246% | 1,457 |
| Cash dividends to net income (ytd only)* | 14.7360% | 2,597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2444% | 2,203 |
| Loan loss allowance to noncurrent loans | 274.2328% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 1,410 |
| Noncurrent loans to loans | 0.4538% | 1,579 |
| Net loans and leases to total assets | 74.7100% | 1,203 |
| Net loans and leases to deposits | 89.6367% | 1,214 |
| Net loans and leases to core deposits | 92.5273% | 1,650 |
| Total domestic deposits to total assets | 83.3500% | 2,973 |
| Equity capital to assets | 11.0950% | 1,352 |
| Core capital (leverage) ratio | 8.6097% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5986% | 2,736 |
| Memoranda: |
| Average total assets | $9,744,667,333 | 160 |
| Average earning assets | $8,768,758,000 | 157 |
| Average equity | $1,062,438,000 | 159 |
| Average total loans | $7,350,885,667 | 151 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2005% | 951 |
| Cost of funding earning assets | 0.8303% | 2,598 |
| Net interest margin | 4.3702% | 721 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.3040% | 2,802 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.7620% | 728 |
| Return on assets (ROA) | 1.7620% | 722 |
| Pretax return on assets | 2.1942% | 580 |
| Return on Equity (ROE) | 16.3100% | 1,296 |
| Retained earnings to average equity (ytd only) | 16.3065% | 658 |
| Net charge-offs to loans | 0.0142% | 1,423 |
| Credit loss provision to net charge-offs | 403.8462% | 606 |
| Earnings coverage of net charge-offs (x) | 208.1231% | 494 |
| Efficiency ratio | 49.5913% | 3,974 |
| Assets per employee ($millions) | 7.6033% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2258% | 2,419 |
| Loan loss allowance to noncurrent loans | 928.4041% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 2,581 |
| Noncurrent loans to loans | 0.1320% | 2,853 |
| Net loans and leases to total assets | 73.7000% | 1,239 |
| Net loans and leases to deposits | 95.1118% | 714 |
| Net loans and leases to core deposits | 98.4706% | 1,152 |
| Total domestic deposits to total assets | 77.4900% | 4,052 |
| Equity capital to assets | 10.8772% | 1,387 |
| Core capital (leverage) ratio | 8.8767% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7853% | 2,790 |
| Memoranda: |
| Average total assets | $9,700,293,000 | 166 |
| Average earning assets | $8,732,545,500 | 165 |
| Average equity | $1,048,148,000 | 164 |
| Average total loans | $7,306,564,000 | 154 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9720% | 1,788 |
| Cost of funding earning assets | 0.2279% | 3,529 |
| Net interest margin | 3.7441% | 1,278 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.5629% | 1,931 |
| Loan and lease loss provision to assets | 0.4700% | 131 |
| Net operating income to assets | 1.0517% | 2,368 |
| Return on assets (ROA) | 1.0517% | 2,313 |
| Pretax return on assets | 1.2852% | 2,139 |
| Return on Equity (ROE) | 10.2400% | 2,736 |
| Retained earnings to average equity (ytd only) | 3.7570% | 3,476 |
| Net charge-offs to loans | 0.0330% | 1,412 |
| Credit loss provision to net charge-offs | 1,965.7603% | 265 |
| Earnings coverage of net charge-offs (x) | 76.0838% | 1,114 |
| Efficiency ratio | 58.6644% | 3,238 |
| Assets per employee ($millions) | 7.3943% | 1,689 |
| Cash dividends to net income (ytd only)* | 63.3125% | 848 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2364% | 2,216 |
| Loan loss allowance to noncurrent loans | 539.2485% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 2,091 |
| Noncurrent loans to loans | 0.2293% | 2,353 |
| Net loans and leases to total assets | 75.1100% | 1,119 |
| Net loans and leases to deposits | 89.9061% | 1,061 |
| Net loans and leases to core deposits | 92.1583% | 1,380 |
| Total domestic deposits to total assets | 83.5500% | 3,303 |
| Equity capital to assets | 10.7308% | 1,361 |
| Core capital (leverage) ratio | 8.5965% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7829% | 2,995 |
| Memoranda: |
| Average total assets | $7,809,880,000 | 190 |
| Average earning assets | $7,167,359,000 | 186 |
| Average equity | $802,085,600 | 193 |
| Average total loans | $5,456,213,000 | 182 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5356% | 2,505 |
| Cost of funding earning assets | 0.1561% | 3,774 |
| Net interest margin | 3.3795% | 2,037 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.4410% | 2,188 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.1406% | 1,927 |
| Return on assets (ROA) | 1.1406% | 1,897 |
| Pretax return on assets | 1.4026% | 1,709 |
| Return on Equity (ROE) | 11.2700% | 2,276 |
| Retained earnings to average equity (ytd only) | 1.9890% | 4,037 |
| Net charge-offs to loans | 0.0288% | 1,257 |
| Credit loss provision to net charge-offs | 1,343.5305% | 326 |
| Earnings coverage of net charge-offs (x) | 85.4991% | 1,014 |
| Efficiency ratio | 58.9342% | 3,260 |
| Assets per employee ($millions) | 5.9485% | 2,810 |
| Cash dividends to net income (ytd only)* | 82.3510% | 381 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1403% | 2,837 |
| Loan loss allowance to noncurrent loans | 437.8077% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 2,044 |
| Noncurrent loans to loans | 0.2605% | 2,333 |
| Net loans and leases to total assets | 72.1300% | 1,280 |
| Net loans and leases to deposits | 82.2301% | 1,429 |
| Net loans and leases to core deposits | 84.3611% | 1,627 |
| Total domestic deposits to total assets | 87.7200% | 2,512 |
| Equity capital to assets | 10.3373% | 1,448 |
| Core capital (leverage) ratio | 9.1810% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1794% | 2,756 |
| Memoranda: |
| Average total assets | $7,381,371,000 | 203 |
| Average earning assets | $6,815,426,250 | 196 |
| Average equity | $747,108,250 | 203 |
| Average total loans | $5,009,457,250 | 192 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2407% | 2,921 |
| Cost of funding earning assets | 0.1504% | 3,574 |
| Net interest margin | 3.0903% | 2,563 |
| Noninterest income to average assets | 1.0209% | 638 |
| Noninterest expense to average assets | 2.3918% | 2,252 |
| Loan and lease loss provision to assets | 0.0605% | 1,511 |
| Net operating income to assets | 1.1762% | 1,514 |
| Return on assets (ROA) | 1.1762% | 1,491 |
| Pretax return on assets | 1.4338% | 1,347 |
| Return on Equity (ROE) | 11.7117% | 1,757 |
| Retained earnings to average equity (ytd only) | 3.4284% | 3,302 |
| Net charge-offs to loans | 0.0376% | 1,007 |
| Credit loss provision to net charge-offs | 230.2793% | 909 |
| Earnings coverage of net charge-offs (x) | 60.2134% | 1,076 |
| Efficiency ratio | 61.1244% | 3,167 |
| Assets per employee ($millions) | 6.5161% | 2,301 |
| Cash dividends to net income (ytd only)* | 70.7264% | 812 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0452% | 3,406 |
| Loan loss allowance to noncurrent loans | 505.7677% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 2,263 |
| Noncurrent loans to loans | 0.2067% | 2,681 |
| Net loans and leases to total assets | 67.4838% | 1,528 |
| Net loans and leases to deposits | 76.3207% | 1,664 |
| Net loans and leases to core deposits | 77.6234% | 1,883 |
| Total domestic deposits to total assets | 88.4214% | 2,417 |
| Equity capital to assets | 9.9160% | 1,757 |
| Core capital (leverage) ratio | 9.0738% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7382% | 2,592 |
| Memoranda: |
| Average total assets | $7,212,610,000 | 207 |
| Average earning assets | $6,687,516,333 | 199 |
| Average equity | $724,354,000 | 205 |
| Average total loans | $4,760,933,667 | 197 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9391% | 3,432 |
| Cost of funding earning assets | 0.1506% | 3,498 |
| Net interest margin | 2.7886% | 3,175 |
| Noninterest income to average assets | 1.0927% | 565 |
| Noninterest expense to average assets | 2.3621% | 2,294 |
| Loan and lease loss provision to assets | -0.0178% | 4,444 |
| Net operating income to assets | 1.1003% | 1,528 |
| Return on assets (ROA) | 1.1003% | 1,520 |
| Pretax return on assets | 1.3403% | 1,406 |
| Return on Equity (ROE) | 10.8885% | 1,654 |
| Retained earnings to average equity (ytd only) | 2.7004% | 3,363 |
| Net charge-offs to loans | 0.0475% | 815 |
| Credit loss provision to net charge-offs | -58.1395% | 2,830 |
| Earnings coverage of net charge-offs (x) | 42.8909% | 983 |
| Efficiency ratio | 63.6630% | 3,072 |
| Assets per employee ($millions) | 6.5840% | 2,307 |
| Cash dividends to net income (ytd only)* | 75.1993% | 777 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0245% | 3,611 |
| Loan loss allowance to noncurrent loans | 425.1002% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 2,291 |
| Noncurrent loans to loans | 0.2410% | 2,632 |
| Net loans and leases to total assets | 64.4657% | 1,561 |
| Net loans and leases to deposits | 72.7684% | 1,719 |
| Net loans and leases to core deposits | 74.0204% | 1,936 |
| Total domestic deposits to total assets | 88.5903% | 2,260 |
| Equity capital to assets | 9.8350% | 2,018 |
| Core capital (leverage) ratio | 9.0914% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9819% | 2,617 |
| Memoranda: |
| Average total assets | $7,251,375,000 | 207 |
| Average earning assets | $6,740,088,500 | 199 |
| Average equity | $732,774,000 | 209 |
| Average total loans | $4,708,457,500 | 200 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1012% | 3,681 |
| Cost of funding earning assets | 0.2102% | 3,364 |
| Net interest margin | 2.8909% | 3,468 |
| Noninterest income to average assets | 1.5929% | 443 |
| Noninterest expense to average assets | 2.6124% | 1,836 |
| Loan and lease loss provision to assets | -0.1328% | 4,601 |
| Net operating income to assets | 1.4410% | 1,156 |
| Return on assets (ROA) | 1.4410% | 1,231 |
| Pretax return on assets | 1.7898% | 935 |
| Return on Equity (ROE) | 13.6998% | 1,266 |
| Retained earnings to average equity (ytd only) | 5.1426% | 2,728 |
| Net charge-offs to loans | 0.0277% | 1,682 |
| Credit loss provision to net charge-offs | -697.7057% | 3,833 |
| Earnings coverage of net charge-offs (x) | 91.7611% | 916 |
| Efficiency ratio | 60.7919% | 3,028 |
| Assets per employee ($millions) | 6.3274% | 2,464 |
| Cash dividends to net income (ytd only)* | 62.4621% | 1,003 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0681% | 3,485 |
| Loan loss allowance to noncurrent loans | 441.6459% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 2,295 |
| Noncurrent loans to loans | 0.2418% | 2,761 |
| Net loans and leases to total assets | 64.0359% | 1,697 |
| Net loans and leases to deposits | 72.6112% | 1,853 |
| Net loans and leases to core deposits | 74.0293% | 2,075 |
| Total domestic deposits to total assets | 88.1901% | 1,937 |
| Equity capital to assets | 10.3804% | 2,293 |
| Core capital (leverage) ratio | 9.0865% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3783% | 2,501 |
| Memoranda: |
| Average total assets | $6,999,494,800 | 208 |
| Average earning assets | $6,480,308,600 | 202 |
| Average equity | $736,259,600 | 208 |
| Average total loans | $4,560,317,200 | 201 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0796% | 3,855 |
| Cost of funding earning assets | 0.2241% | 3,384 |
| Net interest margin | 2.8554% | 3,641 |
| Noninterest income to average assets | 1.6818% | 448 |
| Noninterest expense to average assets | 2.6711% | 1,662 |
| Loan and lease loss provision to assets | -0.1807% | 4,727 |
| Net operating income to assets | 1.4795% | 1,322 |
| Return on assets (ROA) | 1.4795% | 1,373 |
| Pretax return on assets | 1.8314% | 1,090 |
| Return on Equity (ROE) | 14.0175% | 1,385 |
| Retained earnings to average equity (ytd only) | 4.3868% | 3,450 |
| Net charge-offs to loans | 0.0314% | 1,437 |
| Credit loss provision to net charge-offs | -894.5693% | 3,819 |
| Earnings coverage of net charge-offs (x) | 80.5918% | 981 |
| Efficiency ratio | 61.4123% | 2,778 |
| Assets per employee ($millions) | 6.1470% | 2,551 |
| Cash dividends to net income (ytd only)* | 68.7048% | 613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0733% | 3,567 |
| Loan loss allowance to noncurrent loans | 368.3954% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 2,533 |
| Noncurrent loans to loans | 0.2913% | 2,751 |
| Net loans and leases to total assets | 64.0355% | 1,772 |
| Net loans and leases to deposits | 72.8130% | 1,978 |
| Net loans and leases to core deposits | 74.4465% | 2,191 |
| Total domestic deposits to total assets | 87.9452% | 1,881 |
| Equity capital to assets | 10.4305% | 2,507 |
| Core capital (leverage) ratio | 8.9127% | 3,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4149% | 2,576 |
| Memoranda: |
| Average total assets | $6,952,396,250 | 209 |
| Average earning assets | $6,427,697,750 | 204 |
| Average equity | $733,790,750 | 206 |
| Average total loans | $4,537,265,250 | 201 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0608% | 3,937 |
| Cost of funding earning assets | 0.2374% | 3,404 |
| Net interest margin | 2.8234% | 3,740 |
| Noninterest income to average assets | 1.7036% | 431 |
| Noninterest expense to average assets | 2.6737% | 1,655 |
| Loan and lease loss provision to assets | -0.2727% | 4,820 |
| Net operating income to assets | 1.5498% | 1,170 |
| Return on assets (ROA) | 1.5498% | 1,228 |
| Pretax return on assets | 1.9096% | 1,002 |
| Return on Equity (ROE) | 14.6255% | 1,256 |
| Retained earnings to average equity (ytd only) | 6.9793% | 2,442 |
| Net charge-offs to loans | 0.0375% | 1,258 |
| Credit loss provision to net charge-offs | -1,168.8312% | 3,699 |
| Earnings coverage of net charge-offs (x) | 66.7851% | 920 |
| Efficiency ratio | 61.6285% | 2,779 |
| Assets per employee ($millions) | 6.1778% | 2,448 |
| Cash dividends to net income (ytd only)* | 52.2798% | 1,155 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1054% | 3,388 |
| Loan loss allowance to noncurrent loans | 334.7146% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 2,535 |
| Noncurrent loans to loans | 0.3302% | 2,725 |
| Net loans and leases to total assets | 61.5292% | 2,232 |
| Net loans and leases to deposits | 70.0016% | 2,408 |
| Net loans and leases to core deposits | 71.6819% | 2,629 |
| Total domestic deposits to total assets | 87.8969% | 1,886 |
| Equity capital to assets | 10.4148% | 2,474 |
| Core capital (leverage) ratio | 9.0033% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0030% | 2,368 |
| Memoranda: |
| Average total assets | $6,911,447,000 | 208 |
| Average earning assets | $6,381,576,000 | 206 |
| Average equity | $732,393,667 | 206 |
| Average total loans | $4,523,078,333 | 203 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1403% | 3,804 |
| Cost of funding earning assets | 0.2547% | 3,430 |
| Net interest margin | 2.8856% | 3,563 |
| Noninterest income to average assets | 1.9757% | 386 |
| Noninterest expense to average assets | 2.8295% | 1,310 |
| Loan and lease loss provision to assets | -0.2102% | 4,816 |
| Net operating income to assets | 1.6447% | 1,030 |
| Return on assets (ROA) | 1.6447% | 1,083 |
| Pretax return on assets | 2.0154% | 922 |
| Return on Equity (ROE) | 15.3820% | 1,141 |
| Retained earnings to average equity (ytd only) | 7.6827% | 2,354 |
| Net charge-offs to loans | 0.0105% | 1,553 |
| Credit loss provision to net charge-offs | -3,833.3333% | 3,681 |
| Earnings coverage of net charge-offs (x) | 255.8333% | 338 |
| Efficiency ratio | 60.6762% | 2,955 |
| Assets per employee ($millions) | 5.9189% | 2,677 |
| Cash dividends to net income (ytd only)* | 50.0536% | 1,111 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2148% | 2,857 |
| Loan loss allowance to noncurrent loans | 316.5105% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 2,476 |
| Noncurrent loans to loans | 0.3838% | 2,719 |
| Net loans and leases to total assets | 64.4297% | 1,990 |
| Net loans and leases to deposits | 73.3298% | 2,179 |
| Net loans and leases to core deposits | 75.1710% | 2,416 |
| Total domestic deposits to total assets | 87.8630% | 1,909 |
| Equity capital to assets | 10.5010% | 2,273 |
| Core capital (leverage) ratio | 9.2628% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1431% | 2,231 |
| Memoranda: |
| Average total assets | $6,802,578,500 | 210 |
| Average earning assets | $6,268,555,000 | 208 |
| Average equity | $727,346,000 | 206 |
| Average total loans | $4,566,836,500 | 205 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7822% | 3,351 |
| Cost of funding earning assets | 0.4347% | 3,379 |
| Net interest margin | 3.3475% | 2,932 |
| Noninterest income to average assets | 2.2412% | 288 |
| Noninterest expense to average assets | 3.1641% | 1,121 |
| Loan and lease loss provision to assets | 0.2778% | 1,377 |
| Net operating income to assets | 1.4989% | 814 |
| Return on assets (ROA) | 1.4989% | 890 |
| Pretax return on assets | 1.8560% | 603 |
| Return on Equity (ROE) | 13.6735% | 887 |
| Retained earnings to average equity (ytd only) | 9.7422% | 639 |
| Net charge-offs to loans | 0.0563% | 1,972 |
| Credit loss provision to net charge-offs | 659.9172% | 1,039 |
| Earnings coverage of net charge-offs (x) | 50.6918% | 1,187 |
| Efficiency ratio | 59.3707% | 3,540 |
| Assets per employee ($millions) | 5.5424% | 2,800 |
| Cash dividends to net income (ytd only)* | 28.7510% | 2,902 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2991% | 2,417 |
| Loan loss allowance to noncurrent loans | 290.8998% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 2,462 |
| Noncurrent loans to loans | 0.4466% | 2,632 |
| Net loans and leases to total assets | 68.2317% | 1,797 |
| Net loans and leases to deposits | 78.5983% | 2,014 |
| Net loans and leases to core deposits | 80.7705% | 2,295 |
| Total domestic deposits to total assets | 86.8107% | 2,029 |
| Equity capital to assets | 10.8918% | 2,349 |
| Core capital (leverage) ratio | 9.2276% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8229% | 2,308 |
| Memoranda: |
| Average total assets | $6,312,291,000 | 211 |
| Average earning assets | $5,763,947,800 | 207 |
| Average equity | $691,967,800 | 204 |
| Average total loans | $4,716,785,400 | 196 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8698% | 3,357 |
| Cost of funding earning assets | 0.4775% | 3,377 |
| Net interest margin | 3.3923% | 2,947 |
| Noninterest income to average assets | 2.3086% | 270 |
| Noninterest expense to average assets | 3.2689% | 952 |
| Loan and lease loss provision to assets | 0.3755% | 981 |
| Net operating income to assets | 1.4187% | 1,061 |
| Return on assets (ROA) | 1.4187% | 1,149 |
| Pretax return on assets | 1.7563% | 855 |
| Return on Equity (ROE) | 12.9196% | 1,135 |
| Retained earnings to average equity (ytd only) | 10.3451% | 695 |
| Net charge-offs to loans | 0.0409% | 2,045 |
| Credit loss provision to net charge-offs | 1,205.8459% | 732 |
| Earnings coverage of net charge-offs (x) | 68.4656% | 1,014 |
| Efficiency ratio | 60.1759% | 3,366 |
| Assets per employee ($millions) | 5.4414% | 2,762 |
| Cash dividends to net income (ytd only)* | 19.9272% | 2,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2627% | 2,341 |
| Loan loss allowance to noncurrent loans | 320.2174% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 2,715 |
| Noncurrent loans to loans | 0.3943% | 2,877 |
| Net loans and leases to total assets | 72.2397% | 1,629 |
| Net loans and leases to deposits | 83.4969% | 1,961 |
| Net loans and leases to core deposits | 85.8905% | 2,311 |
| Total domestic deposits to total assets | 86.5178% | 1,855 |
| Equity capital to assets | 10.7864% | 2,559 |
| Core capital (leverage) ratio | 9.2287% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5514% | 2,390 |
| Memoranda: |
| Average total assets | $6,226,268,250 | 209 |
| Average earning assets | $5,675,120,250 | 207 |
| Average equity | $683,709,250 | 204 |
| Average total loans | $4,745,597,000 | 193 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0487% | 3,200 |
| Cost of funding earning assets | 0.5308% | 3,345 |
| Net interest margin | 3.5180% | 2,730 |
| Noninterest income to average assets | 2.0617% | 279 |
| Noninterest expense to average assets | 3.2310% | 1,106 |
| Loan and lease loss provision to assets | 0.5420% | 624 |
| Net operating income to assets | 1.2123% | 1,610 |
| Return on assets (ROA) | 1.2123% | 1,729 |
| Pretax return on assets | 1.4904% | 1,477 |
| Return on Equity (ROE) | 10.9697% | 1,639 |
| Retained earnings to average equity (ytd only) | 9.1307% | 972 |
| Net charge-offs to loans | 0.0411% | 1,916 |
| Credit loss provision to net charge-offs | 1,706.2951% | 553 |
| Earnings coverage of net charge-offs (x) | 63.9866% | 926 |
| Efficiency ratio | 61.0175% | 3,273 |
| Assets per employee ($millions) | 5.0696% | 3,093 |
| Cash dividends to net income (ytd only)* | 16.7640% | 2,866 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2124% | 2,451 |
| Loan loss allowance to noncurrent loans | 269.4159% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 2,505 |
| Noncurrent loans to loans | 0.4500% | 2,802 |
| Net loans and leases to total assets | 77.1897% | 968 |
| Net loans and leases to deposits | 89.4659% | 1,400 |
| Net loans and leases to core deposits | 92.2565% | 1,877 |
| Total domestic deposits to total assets | 86.2783% | 1,895 |
| Equity capital to assets | 10.8231% | 2,486 |
| Core capital (leverage) ratio | 9.1366% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5157% | 2,811 |
| Memoranda: |
| Average total assets | $6,101,540,333 | 207 |
| Average earning assets | $5,552,932,333 | 209 |
| Average equity | $674,295,000 | 207 |
| Average total loans | $4,717,754,333 | 188 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3339% | 2,812 |
| Cost of funding earning assets | 0.6146% | 3,365 |
| Net interest margin | 3.7193% | 2,265 |
| Noninterest income to average assets | 1.5983% | 352 |
| Noninterest expense to average assets | 3.1345% | 1,560 |
| Loan and lease loss provision to assets | 0.4301% | 703 |
| Net operating income to assets | 1.1665% | 1,638 |
| Return on assets (ROA) | 1.1665% | 1,747 |
| Pretax return on assets | 1.4122% | 1,525 |
| Return on Equity (ROE) | 10.4402% | 1,601 |
| Retained earnings to average equity (ytd only) | 10.4402% | 657 |
| Net charge-offs to loans | 0.0308% | 1,768 |
| Credit loss provision to net charge-offs | 1,815.5807% | 362 |
| Earnings coverage of net charge-offs (x) | 77.7734% | 683 |
| Efficiency ratio | 62.5839% | 3,427 |
| Assets per employee ($millions) | 4.7804% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0998% | 3,204 |
| Loan loss allowance to noncurrent loans | 224.5648% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 2,516 |
| Noncurrent loans to loans | 0.4898% | 2,796 |
| Net loans and leases to total assets | 76.0137% | 1,306 |
| Net loans and leases to deposits | 94.8641% | 1,007 |
| Net loans and leases to core deposits | 97.8692% | 1,639 |
| Total domestic deposits to total assets | 80.1291% | 3,836 |
| Equity capital to assets | 11.2402% | 2,647 |
| Core capital (leverage) ratio | 9.5379% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0798% | 3,075 |
| Memoranda: |
| Average total assets | $5,960,968,500 | 207 |
| Average earning assets | $5,414,702,500 | 206 |
| Average equity | $666,041,500 | 211 |
| Average total loans | $4,583,012,000 | 187 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5591% | 2,751 |
| Cost of funding earning assets | 0.6910% | 3,201 |
| Net interest margin | 3.8681% | 2,277 |
| Noninterest income to average assets | 1.5532% | 385 |
| Noninterest expense to average assets | 3.1157% | 1,720 |
| Loan and lease loss provision to assets | 0.1995% | 1,021 |
| Net operating income to assets | 1.4285% | 1,245 |
| Return on assets (ROA) | 1.4368% | 1,291 |
| Pretax return on assets | 1.7747% | 1,007 |
| Return on Equity (ROE) | 13.3123% | 1,070 |
| Retained earnings to average equity (ytd only) | 4.4657% | 2,721 |
| Net charge-offs to loans | 0.1878% | 1,078 |
| Credit loss provision to net charge-offs | 140.7690% | 1,839 |
| Earnings coverage of net charge-offs (x) | 13.8594% | 2,323 |
| Efficiency ratio | 60.9375% | 3,545 |
| Assets per employee ($millions) | 4.7956% | 2,843 |
| Cash dividends to net income (ytd only)* | 66.4544% | 1,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8618% | 4,118 |
| Loan loss allowance to noncurrent loans | 166.8689% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 2,334 |
| Noncurrent loans to loans | 0.5165% | 2,634 |
| Net loans and leases to total assets | 76.2461% | 1,367 |
| Net loans and leases to deposits | 92.5391% | 1,305 |
| Net loans and leases to core deposits | 95.4469% | 1,943 |
| Total domestic deposits to total assets | 82.3934% | 3,402 |
| Equity capital to assets | 11.1050% | 2,902 |
| Core capital (leverage) ratio | 9.1063% | 4,441 |
| Tier 1 risk-based capital ratio | 10.8956% | 4,893 |
| Total risk-based capital ratio | 11.7665% | 4,937 |
| Memoranda: |
| Average total assets | $5,836,694,800 | 202 |
| Average earning assets | $5,321,258,600 | 198 |
| Average equity | $629,935,200 | 216 |
| Average total loans | $4,404,438,200 | 188 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5929% | 2,749 |
| Cost of funding earning assets | 0.6913% | 3,256 |
| Net interest margin | 3.9015% | 2,248 |
| Noninterest income to average assets | 1.6042% | 360 |
| Noninterest expense to average assets | 3.1511% | 1,577 |
| Loan and lease loss provision to assets | 0.2396% | 694 |
| Net operating income to assets | 1.4232% | 1,404 |
| Return on assets (ROA) | 1.4341% | 1,430 |
| Pretax return on assets | 1.7866% | 1,122 |
| Return on Equity (ROE) | 13.3853% | 1,146 |
| Retained earnings to average equity (ytd only) | 1.4740% | 4,443 |
| Net charge-offs to loans | 0.2270% | 779 |
| Credit loss provision to net charge-offs | 140.5373% | 1,719 |
| Earnings coverage of net charge-offs (x) | 11.8048% | 2,414 |
| Efficiency ratio | 60.6313% | 3,522 |
| Assets per employee ($millions) | 4.7217% | 2,886 |
| Cash dividends to net income (ytd only)* | 88.9882% | 454 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8403% | 4,275 |
| Loan loss allowance to noncurrent loans | 141.4529% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 2,235 |
| Noncurrent loans to loans | 0.5941% | 2,502 |
| Net loans and leases to total assets | 76.3542% | 1,422 |
| Net loans and leases to deposits | 93.9905% | 1,216 |
| Net loans and leases to core deposits | 96.9202% | 1,911 |
| Total domestic deposits to total assets | 81.2362% | 3,681 |
| Equity capital to assets | 10.6028% | 3,470 |
| Core capital (leverage) ratio | 8.8377% | 4,752 |
| Tier 1 risk-based capital ratio | 10.4868% | 5,081 |
| Total risk-based capital ratio | 11.3485% | 5,107 |
| Memoranda: |
| Average total assets | $5,822,420,250 | 204 |
| Average earning assets | $5,312,025,000 | 200 |
| Average equity | $623,792,000 | 219 |
| Average total loans | $4,372,335,250 | 191 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6206% | 2,612 |
| Cost of funding earning assets | 0.6823% | 3,264 |
| Net interest margin | 3.9383% | 2,127 |
| Noninterest income to average assets | 1.3350% | 493 |
| Noninterest expense to average assets | 3.0852% | 1,772 |
| Loan and lease loss provision to assets | 0.1655% | 1,101 |
| Net operating income to assets | 1.3526% | 1,566 |
| Return on assets (ROA) | 1.3678% | 1,580 |
| Pretax return on assets | 1.6965% | 1,274 |
| Return on Equity (ROE) | 12.7215% | 1,328 |
| Retained earnings to average equity (ytd only) | 1.2027% | 4,376 |
| Net charge-offs to loans | 0.0178% | 2,516 |
| Credit loss provision to net charge-offs | 1,246.2141% | 287 |
| Earnings coverage of net charge-offs (x) | 138.8251% | 527 |
| Efficiency ratio | 62.1834% | 3,406 |
| Assets per employee ($millions) | 4.5041% | 3,138 |
| Cash dividends to net income (ytd only)* | 90.5462% | 595 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9035% | 4,071 |
| Loan loss allowance to noncurrent loans | 118.2255% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 1,960 |
| Noncurrent loans to loans | 0.7642% | 2,071 |
| Net loans and leases to total assets | 75.1353% | 1,698 |
| Net loans and leases to deposits | 91.6247% | 1,531 |
| Net loans and leases to core deposits | 94.5199% | 2,206 |
| Total domestic deposits to total assets | 82.0033% | 3,507 |
| Equity capital to assets | 10.7600% | 3,299 |
| Core capital (leverage) ratio | 8.7919% | 4,785 |
| Tier 1 risk-based capital ratio | 10.6758% | 5,042 |
| Total risk-based capital ratio | 11.5893% | 5,075 |
| Memoranda: |
| Average total assets | $5,769,097,000 | 206 |
| Average earning assets | $5,263,983,670 | 202 |
| Average equity | $620,290,000 | 220 |
| Average total loans | $4,294,274,000 | 195 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5477% | 2,702 |
| Cost of funding earning assets | 0.6318% | 3,400 |
| Net interest margin | 3.9159% | 2,139 |
| Noninterest income to average assets | 1.2392% | 533 |
| Noninterest expense to average assets | 3.0797% | 1,777 |
| Loan and lease loss provision to assets | 0.1071% | 1,662 |
| Net operating income to assets | 1.3185% | 1,633 |
| Return on assets (ROA) | 1.3185% | 1,677 |
| Pretax return on assets | 1.6253% | 1,405 |
| Return on Equity (ROE) | 12.2678% | 1,446 |
| Retained earnings to average equity (ytd only) | 0.2332% | 4,479 |
| Net charge-offs to loans | 0.0162% | 2,147 |
| Credit loss provision to net charge-offs | 897.0760% | 408 |
| Earnings coverage of net charge-offs (x) | 145.0819% | 516 |
| Efficiency ratio | 63.5695% | 3,305 |
| Assets per employee ($millions) | 4.5240% | 3,153 |
| Cash dividends to net income (ytd only)* | 98.0987% | 648 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8605% | 4,297 |
| Loan loss allowance to noncurrent loans | 133.8595% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 2,167 |
| Noncurrent loans to loans | 0.6428% | 2,404 |
| Net loans and leases to total assets | 73.7243% | 1,861 |
| Net loans and leases to deposits | 88.7596% | 1,774 |
| Net loans and leases to core deposits | 91.4681% | 2,348 |
| Total domestic deposits to total assets | 83.0606% | 3,361 |
| Equity capital to assets | 10.6814% | 3,180 |
| Core capital (leverage) ratio | 8.9290% | 4,697 |
| Tier 1 risk-based capital ratio | 10.7873% | 5,074 |
| Total risk-based capital ratio | 11.6756% | 5,112 |
| Memoranda: |
| Average total assets | $5,728,223,500 | 207 |
| Average earning assets | $5,226,447,000 | 204 |
| Average equity | $615,659,000 | 221 |
| Average total loans | $4,223,346,500 | 197 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4610% | 2,577 |
| Cost of funding earning assets | 0.4829% | 3,460 |
| Net interest margin | 3.9781% | 2,067 |
| Noninterest income to average assets | 1.3267% | 523 |
| Noninterest expense to average assets | 3.3381% | 1,243 |
| Loan and lease loss provision to assets | 0.0953% | 2,250 |
| Net operating income to assets | 1.2283% | 2,054 |
| Return on assets (ROA) | 1.2290% | 2,045 |
| Pretax return on assets | 1.5127% | 1,738 |
| Return on Equity (ROE) | 11.6813% | 1,829 |
| Retained earnings to average equity (ytd only) | 3.4295% | 3,705 |
| Net charge-offs to loans | 0.0202% | 3,025 |
| Credit loss provision to net charge-offs | 675.8127% | 515 |
| Earnings coverage of net charge-offs (x) | 113.9649% | 671 |
| Efficiency ratio | 66.6970% | 2,747 |
| Assets per employee ($millions) | 4.7135% | 2,857 |
| Cash dividends to net income (ytd only)* | 70.6416% | 1,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8620% | 4,321 |
| Loan loss allowance to noncurrent loans | 139.9522% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 2,133 |
| Noncurrent loans to loans | 0.6160% | 2,438 |
| Net loans and leases to total assets | 72.4493% | 2,184 |
| Net loans and leases to deposits | 88.8993% | 1,940 |
| Net loans and leases to core deposits | 91.6244% | 2,441 |
| Total domestic deposits to total assets | 81.4959% | 3,789 |
| Equity capital to assets | 10.8157% | 2,875 |
| Core capital (leverage) ratio | 9.0366% | 4,618 |
| Tier 1 risk-based capital ratio | 11.1057% | 4,922 |
| Total risk-based capital ratio | 11.9921% | 4,987 |
| Memoranda: |
| Average total assets | $5,453,163,600 | 208 |
| Average earning assets | $4,960,300,800 | 207 |
| Average equity | $573,736,000 | 221 |
| Average total loans | $3,800,363,400 | 211 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4416% | 2,496 |
| Cost of funding earning assets | 0.4565% | 3,487 |
| Net interest margin | 3.9851% | 1,995 |
| Noninterest income to average assets | 1.3975% | 487 |
| Noninterest expense to average assets | 3.4692% | 1,025 |
| Loan and lease loss provision to assets | 0.0672% | 2,638 |
| Net operating income to assets | 1.1964% | 2,256 |
| Return on assets (ROA) | 1.1974% | 2,256 |
| Pretax return on assets | 1.4843% | 1,952 |
| Return on Equity (ROE) | 11.4653% | 1,994 |
| Retained earnings to average equity (ytd only) | 4.9209% | 3,281 |
| Net charge-offs to loans | 0.0062% | 3,214 |
| Credit loss provision to net charge-offs | 1,581.9767% | 259 |
| Earnings coverage of net charge-offs (x) | 365.0543% | 258 |
| Efficiency ratio | 68.2202% | 2,501 |
| Assets per employee ($millions) | 4.5768% | 3,006 |
| Cash dividends to net income (ytd only)* | 57.0798% | 1,326 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8483% | 4,471 |
| Loan loss allowance to noncurrent loans | 135.0090% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 1,339 |
| Noncurrent loans to loans | 0.6284% | 2,514 |
| Net loans and leases to total assets | 70.8937% | 2,515 |
| Net loans and leases to deposits | 84.4101% | 2,549 |
| Net loans and leases to core deposits | 87.0981% | 2,910 |
| Total domestic deposits to total assets | 83.9871% | 2,946 |
| Equity capital to assets | 10.8526% | 2,795 |
| Core capital (leverage) ratio | 9.0819% | 4,630 |
| Tier 1 risk-based capital ratio | 11.3493% | 4,872 |
| Total risk-based capital ratio | 12.2260% | 4,942 |
| Memoranda: |
| Average total assets | $5,400,037,750 | 210 |
| Average earning assets | $4,908,008,000 | 207 |
| Average equity | $563,974,000 | 223 |
| Average total loans | $3,715,347,250 | 217 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4256% | 2,332 |
| Cost of funding earning assets | 0.4389% | 3,432 |
| Net interest margin | 3.9867% | 1,907 |
| Noninterest income to average assets | 1.4141% | 470 |
| Noninterest expense to average assets | 3.6422% | 829 |
| Loan and lease loss provision to assets | 0.0717% | 2,454 |
| Net operating income to assets | 1.0781% | 2,670 |
| Return on assets (ROA) | 1.0796% | 2,669 |
| Pretax return on assets | 1.3307% | 2,391 |
| Return on Equity (ROE) | 10.4800% | 2,340 |
| Retained earnings to average equity (ytd only) | 7.0626% | 2,048 |
| Net charge-offs to loans | 0.0523% | 1,854 |
| Credit loss provision to net charge-offs | 201.8987% | 1,295 |
| Earnings coverage of net charge-offs (x) | 39.4578% | 1,313 |
| Efficiency ratio | 71.2580% | 2,121 |
| Assets per employee ($millions) | 4.5869% | 2,987 |
| Cash dividends to net income (ytd only)* | 32.6085% | 2,462 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8183% | 4,639 |
| Loan loss allowance to noncurrent loans | 119.4544% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 1.1078% | 1,335 |
| Noncurrent loans to loans | 0.6850% | 2,394 |
| Net loans and leases to total assets | 69.2959% | 2,679 |
| Net loans and leases to deposits | 83.3512% | 2,606 |
| Net loans and leases to core deposits | 85.9623% | 2,928 |
| Total domestic deposits to total assets | 83.1373% | 3,374 |
| Equity capital to assets | 10.7572% | 2,884 |
| Core capital (leverage) ratio | 8.9678% | 4,717 |
| Tier 1 risk-based capital ratio | 11.4308% | 4,819 |
| Total risk-based capital ratio | 12.2893% | 4,932 |
| Memoranda: |
| Average total assets | $5,341,866,330 | 210 |
| Average earning assets | $4,862,112,000 | 207 |
| Average equity | $550,303,670 | 224 |
| Average total loans | $3,625,190,670 | 221 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4418% | 2,047 |
| Cost of funding earning assets | 0.4335% | 3,343 |
| Net interest margin | 4.0082% | 1,702 |
| Noninterest income to average assets | 1.3795% | 486 |
| Noninterest expense to average assets | 4.0188% | 518 |
| Loan and lease loss provision to assets | 0.0032% | 3,477 |
| Net operating income to assets | 0.8133% | 3,653 |
| Return on assets (ROA) | 0.8133% | 3,662 |
| Pretax return on assets | 1.0201% | 3,463 |
| Return on Equity (ROE) | 8.0888% | 3,337 |
| Retained earnings to average equity (ytd only) | 8.0888% | 1,803 |
| Net charge-offs to loans | 0.0713% | 1,409 |
| Credit loss provision to net charge-offs | 6.6343% | 2,182 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,430 |
| Efficiency ratio | 78.7088% | 1,294 |
| Assets per employee ($millions) | 4.5204% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8176% | 4,737 |
| Loan loss allowance to noncurrent loans | 59.1728% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.1334% | 1,363 |
| Noncurrent loans to loans | 1.3817% | 1,292 |
| Net loans and leases to total assets | 66.2005% | 3,003 |
| Net loans and leases to deposits | 78.6513% | 2,947 |
| Net loans and leases to core deposits | 81.0801% | 3,232 |
| Total domestic deposits to total assets | 84.1696% | 3,260 |
| Equity capital to assets | 10.6708% | 2,893 |
| Core capital (leverage) ratio | 8.8269% | 4,868 |
| Tier 1 risk-based capital ratio | 11.4092% | 4,911 |
| Total risk-based capital ratio | 12.1606% | 5,087 |
| Memoranda: |
| Average total assets | $5,194,175,000 | 210 |
| Average earning assets | $4,746,228,500 | 210 |
| Average equity | $522,250,500 | 231 |
| Average total loans | $3,468,480,000 | 224 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8240% | 3,964 |
| Cost of funding earning assets | 0.4214% | 3,041 |
| Net interest margin | 3.4026% | 3,848 |
| Noninterest income to average assets | 0.9520% | 1,135 |
| Noninterest expense to average assets | 2.8713% | 2,546 |
| Loan and lease loss provision to assets | 0.2765% | 646 |
| Net operating income to assets | 0.3795% | 4,755 |
| Return on assets (ROA) | 0.3774% | 4,774 |
| Pretax return on assets | 0.9182% | 3,849 |
| Return on Equity (ROE) | 3.9029% | 4,536 |
| Retained earnings to average equity (ytd only) | -2.4674% | 5,313 |
| Net charge-offs to loans | 0.3567% | 712 |
| Credit loss provision to net charge-offs | 119.2060% | 2,199 |
| Earnings coverage of net charge-offs (x) | 5.1651% | 3,367 |
| Efficiency ratio | 67.7632% | 2,939 |
| Assets per employee ($millions) | 5.5214% | 1,909 |
| Cash dividends to net income (ytd only)* | 163.2200% | 126 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9820% | 4,040 |
| Loan loss allowance to noncurrent loans | 67.3691% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.1941% | 1,239 |
| Noncurrent loans to loans | 1.4577% | 1,174 |
| Net loans and leases to total assets | 66.1558% | 3,085 |
| Net loans and leases to deposits | 79.0377% | 3,014 |
| Net loans and leases to core deposits | 82.0596% | 3,239 |
| Total domestic deposits to total assets | 83.7015% | 3,311 |
| Equity capital to assets | 9.3273% | 4,401 |
| Core capital (leverage) ratio | 8.0833% | 5,400 |
| Tier 1 risk-based capital ratio | 10.6404% | 5,323 |
| Total risk-based capital ratio | 11.5273% | 5,378 |
| Memoranda: |
| Average total assets | $4,692,032,600 | 217 |
| Average earning assets | $4,298,548,600 | 214 |
| Average equity | $453,716,800 | 243 |
| Average total loans | $3,050,730,600 | 238 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8239% | 3,924 |
| Cost of funding earning assets | 0.4096% | 3,092 |
| Net interest margin | 3.4143% | 3,800 |
| Noninterest income to average assets | 0.9539% | 1,134 |
| Noninterest expense to average assets | 2.8585% | 2,539 |
| Loan and lease loss provision to assets | 0.2767% | 590 |
| Net operating income to assets | 0.7118% | 3,915 |
| Return on assets (ROA) | 0.7085% | 4,004 |
| Pretax return on assets | 0.9384% | 3,908 |
| Return on Equity (ROE) | 7.2610% | 3,517 |
| Retained earnings to average equity (ytd only) | 0.8572% | 5,019 |
| Net charge-offs to loans | 0.3900% | 545 |
| Credit loss provision to net charge-offs | 109.8901% | 2,140 |
| Earnings coverage of net charge-offs (x) | 4.8430% | 3,176 |
| Efficiency ratio | 67.2205% | 3,014 |
| Assets per employee ($millions) | 5.4445% | 1,976 |
| Cash dividends to net income (ytd only)* | 88.1941% | 469 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9591% | 4,284 |
| Loan loss allowance to noncurrent loans | 65.1736% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.2294% | 1,327 |
| Noncurrent loans to loans | 1.4716% | 1,267 |
| Net loans and leases to total assets | 65.2782% | 3,208 |
| Net loans and leases to deposits | 77.1001% | 3,263 |
| Net loans and leases to core deposits | 80.0623% | 3,451 |
| Total domestic deposits to total assets | 84.6669% | 2,853 |
| Equity capital to assets | 9.6460% | 4,298 |
| Core capital (leverage) ratio | 8.4761% | 5,262 |
| Tier 1 risk-based capital ratio | 11.0053% | 5,246 |
| Total risk-based capital ratio | 11.8602% | 5,345 |
| Memoranda: |
| Average total assets | $4,673,794,500 | 218 |
| Average earning assets | $4,276,577,500 | 216 |
| Average equity | $456,034,750 | 241 |
| Average total loans | $3,017,519,250 | 242 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7704% | 4,001 |
| Cost of funding earning assets | 0.3983% | 3,095 |
| Net interest margin | 3.3721% | 3,868 |
| Noninterest income to average assets | 0.9923% | 1,031 |
| Noninterest expense to average assets | 2.8678% | 2,519 |
| Loan and lease loss provision to assets | 0.2505% | 666 |
| Net operating income to assets | 0.7118% | 3,788 |
| Return on assets (ROA) | 0.7119% | 3,858 |
| Pretax return on assets | 0.9561% | 3,741 |
| Return on Equity (ROE) | 7.2677% | 3,414 |
| Retained earnings to average equity (ytd only) | 0.7201% | 4,916 |
| Net charge-offs to loans | 0.0023% | 3,426 |
| Credit loss provision to net charge-offs | 16,628.5714% | 12 |
| Earnings coverage of net charge-offs (x) | 800.9429% | 93 |
| Efficiency ratio | 67.4951% | 3,096 |
| Assets per employee ($millions) | 5.3039% | 2,054 |
| Cash dividends to net income (ytd only)* | 90.0919% | 618 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1295% | 3,422 |
| Loan loss allowance to noncurrent loans | 57.1151% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.6140% | 915 |
| Noncurrent loans to loans | 1.9776% | 853 |
| Net loans and leases to total assets | 65.4126% | 3,192 |
| Net loans and leases to deposits | 77.8238% | 3,134 |
| Net loans and leases to core deposits | 80.7524% | 3,364 |
| Total domestic deposits to total assets | 84.0522% | 3,177 |
| Equity capital to assets | 9.7759% | 4,145 |
| Core capital (leverage) ratio | 8.3910% | 5,287 |
| Tier 1 risk-based capital ratio | 10.8845% | 5,316 |
| Total risk-based capital ratio | 11.8809% | 5,335 |
| Memoranda: |
| Average total assets | $4,647,375,330 | 221 |
| Average earning assets | $4,247,344,670 | 219 |
| Average equity | $455,220,330 | 243 |
| Average total loans | $2,979,107,330 | 244 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6617% | 4,230 |
| Cost of funding earning assets | 0.3798% | 3,206 |
| Net interest margin | 3.2819% | 4,075 |
| Noninterest income to average assets | 0.7889% | 1,596 |
| Noninterest expense to average assets | 2.8773% | 2,526 |
| Loan and lease loss provision to assets | 0.1550% | 1,174 |
| Net operating income to assets | 0.5652% | 4,306 |
| Return on assets (ROA) | 0.5654% | 4,350 |
| Pretax return on assets | 0.7553% | 4,272 |
| Return on Equity (ROE) | 5.7661% | 4,015 |
| Retained earnings to average equity (ytd only) | -1.5932% | 5,135 |
| Net charge-offs to loans | 0.0163% | 2,467 |
| Credit loss provision to net charge-offs | 1,508.4034% | 213 |
| Earnings coverage of net charge-offs (x) | 88.5630% | 602 |
| Efficiency ratio | 72.8465% | 2,434 |
| Assets per employee ($millions) | 5.1230% | 2,274 |
| Cash dividends to net income (ytd only)* | 127.6310% | 493 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0432% | 4,011 |
| Loan loss allowance to noncurrent loans | 48.9892% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.6679% | 908 |
| Noncurrent loans to loans | 2.1295% | 815 |
| Net loans and leases to total assets | 62.1571% | 3,513 |
| Net loans and leases to deposits | 72.5598% | 3,558 |
| Net loans and leases to core deposits | 75.2555% | 3,716 |
| Total domestic deposits to total assets | 85.6632% | 2,812 |
| Equity capital to assets | 9.6265% | 4,156 |
| Core capital (leverage) ratio | 8.3915% | 5,315 |
| Tier 1 risk-based capital ratio | 11.1280% | 5,244 |
| Total risk-based capital ratio | 12.0422% | 5,335 |
| Memoranda: |
| Average total assets | $4,632,023,500 | 220 |
| Average earning assets | $4,231,946,000 | 220 |
| Average equity | $454,168,000 | 245 |
| Average total loans | $2,921,155,000 | 248 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8140% | 3,859 |
| Cost of funding earning assets | 0.3521% | 3,497 |
| Net interest margin | 3.4620% | 3,575 |
| Noninterest income to average assets | 0.9924% | 1,169 |
| Noninterest expense to average assets | 2.9219% | 2,600 |
| Loan and lease loss provision to assets | 0.5134% | 269 |
| Net operating income to assets | 0.5512% | 4,428 |
| Return on assets (ROA) | 0.5513% | 4,529 |
| Pretax return on assets | 0.7183% | 4,430 |
| Return on Equity (ROE) | 5.2222% | 4,319 |
| Retained earnings to average equity (ytd only) | 2.0637% | 4,363 |
| Net charge-offs to loans | 0.7895% | 260 |
| Credit loss provision to net charge-offs | 109.5157% | 2,398 |
| Earnings coverage of net charge-offs (x) | 2.6271% | 3,796 |
| Efficiency ratio | 67.4839% | 3,351 |
| Assets per employee ($millions) | 5.2010% | 2,169 |
| Cash dividends to net income (ytd only)* | 60.4828% | 1,759 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0112% | 4,246 |
| Loan loss allowance to noncurrent loans | 40.9816% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 1.9063% | 753 |
| Noncurrent loans to loans | 2.4674% | 639 |
| Net loans and leases to total assets | 62.6844% | 3,514 |
| Net loans and leases to deposits | 72.6115% | 3,647 |
| Net loans and leases to core deposits | 75.0016% | 3,834 |
| Total domestic deposits to total assets | 86.3285% | 2,441 |
| Equity capital to assets | 9.9894% | 3,735 |
| Core capital (leverage) ratio | 8.6315% | 5,138 |
| Tier 1 risk-based capital ratio | 11.7671% | 4,884 |
| Total risk-based capital ratio | 12.6590% | 5,014 |
| Memoranda: |
| Average total assets | $4,606,508,400 | 211 |
| Average earning assets | $4,206,185,400 | 206 |
| Average equity | $486,271,800 | 223 |
| Average total loans | $2,735,325,400 | 246 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8159% | 3,878 |
| Cost of funding earning assets | 0.3455% | 3,585 |
| Net interest margin | 3.4704% | 3,585 |
| Noninterest income to average assets | 1.0142% | 1,117 |
| Noninterest expense to average assets | 2.9238% | 2,563 |
| Loan and lease loss provision to assets | 0.6457% | 175 |
| Net operating income to assets | 0.4917% | 4,728 |
| Return on assets (ROA) | 0.4918% | 4,820 |
| Pretax return on assets | 0.6150% | 4,836 |
| Return on Equity (ROE) | 4.5977% | 4,677 |
| Retained earnings to average equity (ytd only) | 4.5977% | 3,085 |
| Net charge-offs to loans | 1.0609% | 156 |
| Credit loss provision to net charge-offs | 104.2018% | 2,293 |
| Earnings coverage of net charge-offs (x) | 2.0345% | 3,625 |
| Efficiency ratio | 67.0380% | 3,416 |
| Assets per employee ($millions) | 4.3614% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9856% | 4,489 |
| Loan loss allowance to noncurrent loans | 51.2783% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.6515% | 1,048 |
| Noncurrent loans to loans | 1.9222% | 1,037 |
| Net loans and leases to total assets | 61.2920% | 3,707 |
| Net loans and leases to deposits | 72.2213% | 3,786 |
| Net loans and leases to core deposits | 74.2451% | 3,978 |
| Total domestic deposits to total assets | 84.8669% | 2,867 |
| Equity capital to assets | 10.1583% | 3,973 |
| Core capital (leverage) ratio | 8.6426% | 5,220 |
| Tier 1 risk-based capital ratio | 11.9413% | 4,824 |
| Total risk-based capital ratio | 12.8093% | 4,965 |
| Memoranda: |
| Average total assets | $4,619,122,750 | 212 |
| Average earning assets | $4,219,683,000 | 208 |
| Average equity | $494,059,750 | 222 |
| Average total loans | $2,697,879,750 | 246 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7832% | 4,012 |
| Cost of funding earning assets | 0.3421% | 3,651 |
| Net interest margin | 3.4411% | 3,721 |
| Noninterest income to average assets | 0.9130% | 1,335 |
| Noninterest expense to average assets | 2.9067% | 2,654 |
| Loan and lease loss provision to assets | 0.7379% | 146 |
| Net operating income to assets | 0.3278% | 5,244 |
| Return on assets (ROA) | 0.3278% | 5,328 |
| Pretax return on assets | 0.4131% | 5,323 |
| Return on Equity (ROE) | 3.0145% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.0145% | 3,998 |
| Net charge-offs to loans | 0.3087% | 770 |
| Credit loss provision to net charge-offs | 417.6082% | 752 |
| Earnings coverage of net charge-offs (x) | 6.5136% | 2,728 |
| Efficiency ratio | 68.7158% | 3,212 |
| Assets per employee ($millions) | 4.9570% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4594% | 2,027 |
| Loan loss allowance to noncurrent loans | 55.3018% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.0751% | 766 |
| Noncurrent loans to loans | 2.6389% | 633 |
| Net loans and leases to total assets | 58.6802% | 4,051 |
| Net loans and leases to deposits | 69.0341% | 4,081 |
| Net loans and leases to core deposits | 70.7784% | 4,270 |
| Total domestic deposits to total assets | 85.0019% | 2,881 |
| Equity capital to assets | 10.0912% | 4,106 |
| Core capital (leverage) ratio | 8.2971% | 5,539 |
| Tier 1 risk-based capital ratio | 12.1273% | 4,754 |
| Total risk-based capital ratio | 13.3780% | 4,669 |
| Memoranda: |
| Average total assets | $4,627,974,670 | 214 |
| Average earning assets | $4,229,250,330 | 208 |
| Average equity | $503,237,670 | 221 |
| Average total loans | $2,649,541,000 | 250 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9226% | 3,497 |
| Cost of funding earning assets | 0.3319% | 3,819 |
| Net interest margin | 3.5907% | 3,120 |
| Noninterest income to average assets | 0.7457% | 1,832 |
| Noninterest expense to average assets | 2.9229% | 2,623 |
| Loan and lease loss provision to assets | 0.9165% | 106 |
| Net operating income to assets | 0.1433% | 5,619 |
| Return on assets (ROA) | 0.1433% | 5,673 |
| Pretax return on assets | 0.1894% | 5,649 |
| Return on Equity (ROE) | 1.2720% | 5,651 |
| Retained earnings to average equity (ytd only) | 1.2720% | 4,747 |
| Net charge-offs to loans | 0.0880% | 1,615 |
| Credit loss provision to net charge-offs | 1,856.4685% | 230 |
| Earnings coverage of net charge-offs (x) | 22.4003% | 1,405 |
| Efficiency ratio | 69.6152% | 3,198 |
| Assets per employee ($millions) | 4.7281% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4298% | 2,290 |
| Loan loss allowance to noncurrent loans | 63.3810% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.7315% | 1,101 |
| Noncurrent loans to loans | 2.2558% | 895 |
| Net loans and leases to total assets | 55.6968% | 4,289 |
| Net loans and leases to deposits | 64.5151% | 4,392 |
| Net loans and leases to core deposits | 66.0355% | 4,534 |
| Total domestic deposits to total assets | 86.3314% | 2,526 |
| Equity capital to assets | 9.9352% | 4,166 |
| Core capital (leverage) ratio | 8.3606% | 5,507 |
| Tier 1 risk-based capital ratio | 12.3807% | 4,666 |
| Total risk-based capital ratio | 13.6214% | 4,573 |
| Memoranda: |
| Average total assets | $4,634,466,000 | 214 |
| Average earning assets | $4,237,349,500 | 209 |
| Average equity | $522,001,500 | 209 |
| Average total loans | $2,600,214,500 | 252 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9280% | 3,609 |
| Cost of funding earning assets | 0.3314% | 3,890 |
| Net interest margin | 3.5966% | 3,153 |
| Noninterest income to average assets | 0.5053% | 3,291 |
| Noninterest expense to average assets | 3.2310% | 1,885 |
| Loan and lease loss provision to assets | 0.2596% | 724 |
| Net operating income to assets | 0.2476% | 5,488 |
| Return on assets (ROA) | 0.2476% | 5,559 |
| Pretax return on assets | 0.2883% | 5,541 |
| Return on Equity (ROE) | 1.9425% | 5,583 |
| Retained earnings to average equity (ytd only) | 1.9425% | 4,622 |
| Net charge-offs to loans | 0.1238% | 2,132 |
| Credit loss provision to net charge-offs | 423.5534% | 728 |
| Earnings coverage of net charge-offs (x) | 8.9404% | 2,883 |
| Efficiency ratio | 82.5202% | 1,338 |
| Assets per employee ($millions) | 4.9824% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0427% | 4,366 |
| Loan loss allowance to noncurrent loans | 65.2291% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.3364% | 1,581 |
| Noncurrent loans to loans | 1.5984% | 1,436 |
| Net loans and leases to total assets | 55.1323% | 4,373 |
| Net loans and leases to deposits | 66.7419% | 4,246 |
| Net loans and leases to core deposits | 68.3433% | 4,417 |
| Total domestic deposits to total assets | 82.6052% | 3,975 |
| Equity capital to assets | 12.5724% | 1,582 |
| Core capital (leverage) ratio | 11.2000% | 2,216 |
| Tier 1 risk-based capital ratio | 16.5884% | 2,433 |
| Total risk-based capital ratio | 17.4846% | 2,549 |
| Memoranda: |
| Average total assets | $4,794,188,200 | 198 |
| Average earning assets | $4,363,712,800 | 198 |
| Average equity | $611,021,400 | 184 |
| Average total loans | $2,372,531,800 | 251 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8769% | 3,823 |
| Cost of funding earning assets | 0.3303% | 3,985 |
| Net interest margin | 3.5465% | 3,354 |
| Noninterest income to average assets | 0.2260% | 5,297 |
| Noninterest expense to average assets | 3.1521% | 2,078 |
| Loan and lease loss provision to assets | 0.1940% | 1,045 |
| Net operating income to assets | 0.1442% | 5,787 |
| Return on assets (ROA) | 0.1442% | 5,831 |
| Pretax return on assets | 0.1130% | 5,880 |
| Return on Equity (ROE) | 1.1277% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.1277% | 5,264 |
| Net charge-offs to loans | 0.0465% | 2,962 |
| Credit loss provision to net charge-offs | 870.0124% | 415 |
| Earnings coverage of net charge-offs (x) | 13.7696% | 2,296 |
| Efficiency ratio | 87.9047% | 846 |
| Assets per employee ($millions) | 4.9175% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9402% | 5,021 |
| Loan loss allowance to noncurrent loans | 49.7900% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.4023% | 1,642 |
| Noncurrent loans to loans | 1.8882% | 1,229 |
| Net loans and leases to total assets | 52.6319% | 4,697 |
| Net loans and leases to deposits | 64.4999% | 4,516 |
| Net loans and leases to core deposits | 66.2774% | 4,669 |
| Total domestic deposits to total assets | 81.6000% | 4,289 |
| Equity capital to assets | 12.3466% | 1,838 |
| Core capital (leverage) ratio | 10.8654% | 2,626 |
| Tier 1 risk-based capital ratio | 17.7584% | 2,100 |
| Total risk-based capital ratio | 18.5924% | 2,191 |
| Memoranda: |
| Average total assets | $4,825,612,250 | 198 |
| Average earning assets | $4,399,146,750 | 199 |
| Average equity | $617,041,250 | 185 |
| Average total loans | $2,315,423,500 | 261 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8756% | 3,786 |
| Cost of funding earning assets | 0.3291% | 4,064 |
| Net interest margin | 3.5464% | 3,305 |
| Noninterest income to average assets | 0.2041% | 5,462 |
| Noninterest expense to average assets | 3.1585% | 2,102 |
| Loan and lease loss provision to assets | 0.1367% | 1,601 |
| Net operating income to assets | 0.1546% | 5,801 |
| Return on assets (ROA) | 0.1546% | 5,850 |
| Pretax return on assets | 0.1431% | 5,891 |
| Return on Equity (ROE) | 1.1954% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.1954% | 5,083 |
| Net charge-offs to loans | 0.0609% | 2,511 |
| Credit loss provision to net charge-offs | 484.7731% | 643 |
| Earnings coverage of net charge-offs (x) | 9.9209% | 2,409 |
| Efficiency ratio | 88.6547% | 863 |
| Assets per employee ($millions) | 5.0427% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8655% | 5,418 |
| Loan loss allowance to noncurrent loans | 50.6633% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2671% | 1,982 |
| Noncurrent loans to loans | 1.7084% | 1,516 |
| Net loans and leases to total assets | 48.7010% | 5,035 |
| Net loans and leases to deposits | 60.0795% | 4,841 |
| Net loans and leases to core deposits | 61.7239% | 4,962 |
| Total domestic deposits to total assets | 81.0610% | 4,596 |
| Equity capital to assets | 12.7856% | 1,503 |
| Core capital (leverage) ratio | 11.2694% | 2,190 |
| Tier 1 risk-based capital ratio | 20.0890% | 1,524 |
| Total risk-based capital ratio | 20.8530% | 1,610 |
| Memoranda: |
| Average total assets | $4,844,146,330 | 200 |
| Average earning assets | $4,417,636,670 | 199 |
| Average equity | $626,410,330 | 181 |
| Average total loans | $2,242,440,000 | 268 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8681% | 3,752 |
| Cost of funding earning assets | 0.3239% | 4,177 |
| Net interest margin | 3.5442% | 3,240 |
| Noninterest income to average assets | 0.1048% | 6,060 |
| Noninterest expense to average assets | 3.0619% | 2,389 |
| Loan and lease loss provision to assets | 0.1190% | 1,740 |
| Net operating income to assets | 0.1453% | 5,799 |
| Return on assets (ROA) | 0.1453% | 5,871 |
| Pretax return on assets | 0.1559% | 5,888 |
| Return on Equity (ROE) | 1.1176% | 5,887 |
| Retained earnings to average equity (ytd only) | -30.3637% | 6,345 |
| Net charge-offs to loans | 0.0352% | 2,509 |
| Credit loss provision to net charge-offs | 752.8497% | 399 |
| Earnings coverage of net charge-offs (x) | 17.3938% | 1,526 |
| Efficiency ratio | 88.4857% | 975 |
| Assets per employee ($millions) | 5.3863% | 1,906 |
| Cash dividends to net income (ytd only)* | 2,816.9014% | 2 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8497% | 5,572 |
| Loan loss allowance to noncurrent loans | 51.9474% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 2,228 |
| Noncurrent loans to loans | 1.6356% | 1,706 |
| Net loans and leases to total assets | 44.2982% | 5,327 |
| Net loans and leases to deposits | 55.5370% | 5,078 |
| Net loans and leases to core deposits | 57.0042% | 5,189 |
| Total domestic deposits to total assets | 79.7635% | 5,103 |
| Equity capital to assets | 12.3563% | 1,781 |
| Core capital (leverage) ratio | 11.1083% | 2,310 |
| Tier 1 risk-based capital ratio | 20.7918% | 1,458 |
| Total risk-based capital ratio | 21.5331% | 1,532 |
| Memoranda: |
| Average total assets | $4,886,062,500 | 196 |
| Average earning assets | $4,455,519,000 | 194 |
| Average equity | $635,297,500 | 177 |
| Average total loans | $2,194,379,500 | 269 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2149% | 2,903 |
| Cost of funding earning assets | 0.3290% | 4,503 |
| Net interest margin | 3.8859% | 2,295 |
| Noninterest income to average assets | 0.2634% | 5,244 |
| Noninterest expense to average assets | 3.3047% | 1,916 |
| Loan and lease loss provision to assets | 0.1281% | 2,046 |
| Net operating income to assets | 0.2417% | 5,678 |
| Return on assets (ROA) | 0.2417% | 5,735 |
| Pretax return on assets | 0.3438% | 5,619 |
| Return on Equity (ROE) | 1.8151% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.8151% | 4,897 |
| Net charge-offs to loans | 0.0544% | 3,748 |
| Credit loss provision to net charge-offs | 555.8639% | 477 |
| Earnings coverage of net charge-offs (x) | 20.4745% | 1,723 |
| Efficiency ratio | 84.5835% | 1,333 |
| Assets per employee ($millions) | 5.0907% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8126% | 5,743 |
| Loan loss allowance to noncurrent loans | 39.2193% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 1,756 |
| Noncurrent loans to loans | 2.0719% | 1,320 |
| Net loans and leases to total assets | 44.7856% | 5,419 |
| Net loans and leases to deposits | 55.2779% | 5,228 |
| Net loans and leases to core deposits | 56.7622% | 5,331 |
| Total domestic deposits to total assets | 81.0189% | 4,745 |
| Equity capital to assets | 13.6712% | 1,084 |
| Core capital (leverage) ratio | 12.1217% | 1,549 |
| Tier 1 risk-based capital ratio | 23.4821% | 1,009 |
| Total risk-based capital ratio | 24.2130% | 1,067 |
| Memoranda: |
| Average total assets | $4,845,909,400 | 189 |
| Average earning assets | $4,381,099,800 | 186 |
| Average equity | $645,245,800 | 170 |
| Average total loans | $2,051,954,400 | 265 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2050% | 2,972 |
| Cost of funding earning assets | 0.3257% | 4,607 |
| Net interest margin | 3.8794% | 2,326 |
| Noninterest income to average assets | 0.1912% | 5,775 |
| Noninterest expense to average assets | 3.2335% | 2,078 |
| Loan and lease loss provision to assets | 0.1357% | 1,837 |
| Net operating income to assets | 0.2190% | 5,809 |
| Return on assets (ROA) | 0.2190% | 5,855 |
| Pretax return on assets | 0.3262% | 5,723 |
| Return on Equity (ROE) | 1.6556% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.6556% | 5,221 |
| Net charge-offs to loans | 0.0576% | 3,394 |
| Credit loss provision to net charge-offs | 565.6751% | 517 |
| Earnings coverage of net charge-offs (x) | 19.2552% | 1,793 |
| Efficiency ratio | 84.5225% | 1,326 |
| Assets per employee ($millions) | 4.7271% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7622% | 5,962 |
| Loan loss allowance to noncurrent loans | 26.7205% | 5,805 |
| Noncurrent assets plus other real estate owned to assets | 2.2527% | 1,216 |
| Noncurrent loans to loans | 2.8526% | 957 |
| Net loans and leases to total assets | 45.0640% | 5,450 |
| Net loans and leases to deposits | 54.7906% | 5,325 |
| Net loans and leases to core deposits | 56.3024% | 5,431 |
| Total domestic deposits to total assets | 82.2477% | 4,396 |
| Equity capital to assets | 13.5317% | 1,169 |
| Core capital (leverage) ratio | 11.9337% | 1,734 |
| Tier 1 risk-based capital ratio | 23.1392% | 1,096 |
| Total risk-based capital ratio | 23.8303% | 1,159 |
| Memoranda: |
| Average total assets | $4,857,255,750 | 187 |
| Average earning assets | $4,387,669,750 | 183 |
| Average equity | $642,485,500 | 170 |
| Average total loans | $2,023,054,250 | 265 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2159% | 2,893 |
| Cost of funding earning assets | 0.3232% | 4,723 |
| Net interest margin | 3.8927% | 2,198 |
| Noninterest income to average assets | 0.1397% | 6,126 |
| Noninterest expense to average assets | 3.2230% | 2,120 |
| Loan and lease loss provision to assets | 0.1406% | 1,760 |
| Net operating income to assets | 0.1854% | 5,877 |
| Return on assets (ROA) | 0.1854% | 5,925 |
| Pretax return on assets | 0.2922% | 5,793 |
| Return on Equity (ROE) | 1.4121% | 5,966 |
| Retained earnings to average equity (ytd only) | 1.4121% | 5,178 |
| Net charge-offs to loans | 0.0383% | 3,453 |
| Credit loss provision to net charge-offs | 907.1429% | 358 |
| Earnings coverage of net charge-offs (x) | 27.9286% | 1,322 |
| Efficiency ratio | 85.1653% | 1,362 |
| Assets per employee ($millions) | 5.0011% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7444% | 6,101 |
| Loan loss allowance to noncurrent loans | 23.9201% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 2.4823% | 1,147 |
| Noncurrent loans to loans | 3.1119% | 915 |
| Net loans and leases to total assets | 42.7593% | 5,626 |
| Net loans and leases to deposits | 51.2189% | 5,546 |
| Net loans and leases to core deposits | 52.5579% | 5,637 |
| Total domestic deposits to total assets | 83.4834% | 4,118 |
| Equity capital to assets | 13.3511% | 1,212 |
| Core capital (leverage) ratio | 11.7764% | 1,804 |
| Tier 1 risk-based capital ratio | 24.2172% | 957 |
| Total risk-based capital ratio | 24.9029% | 1,006 |
| Memoranda: |
| Average total assets | $4,878,589,000 | 186 |
| Average earning assets | $4,406,616,670 | 183 |
| Average equity | $640,444,000 | 171 |
| Average total loans | $1,971,864,330 | 267 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2590% | 2,669 |
| Cost of funding earning assets | 0.3214% | 4,841 |
| Net interest margin | 3.9376% | 1,960 |
| Noninterest income to average assets | 0.0425% | 6,502 |
| Noninterest expense to average assets | 3.2079% | 2,207 |
| Loan and lease loss provision to assets | 0.1447% | 1,687 |
| Net operating income to assets | 0.1482% | 5,933 |
| Return on assets (ROA) | 0.1482% | 5,964 |
| Pretax return on assets | 0.2357% | 5,857 |
| Return on Equity (ROE) | 1.1387% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.1387% | 5,149 |
| Net charge-offs to loans | 0.0665% | 2,487 |
| Credit loss provision to net charge-offs | 556.2893% | 498 |
| Earnings coverage of net charge-offs (x) | 14.6226% | 1,592 |
| Efficiency ratio | 86.3539% | 1,410 |
| Assets per employee ($millions) | 4.9740% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7115% | 6,265 |
| Loan loss allowance to noncurrent loans | 24.2654% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 2.5272% | 1,255 |
| Noncurrent loans to loans | 2.9322% | 1,102 |
| Net loans and leases to total assets | 39.8773% | 5,819 |
| Net loans and leases to deposits | 47.5198% | 5,761 |
| Net loans and leases to core deposits | 48.6511% | 5,844 |
| Total domestic deposits to total assets | 83.9172% | 4,302 |
| Equity capital to assets | 13.1103% | 1,257 |
| Core capital (leverage) ratio | 11.6090% | 1,894 |
| Tier 1 risk-based capital ratio | 25.5448% | 829 |
| Total risk-based capital ratio | 26.2004% | 880 |
| Memoranda: |
| Average total assets | $4,889,867,500 | 186 |
| Average earning assets | $4,403,258,000 | 181 |
| Average equity | $636,498,500 | 173 |
| Average total loans | $1,911,808,500 | 266 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2463% | 3,163 |
| Cost of funding earning assets | 0.3589% | 5,059 |
| Net interest margin | 3.8874% | 2,337 |
| Noninterest income to average assets | 0.5569% | 3,359 |
| Noninterest expense to average assets | 3.5714% | 1,501 |
| Loan and lease loss provision to assets | 0.0839% | 3,440 |
| Net operating income to assets | 0.2570% | 5,668 |
| Return on assets (ROA) | 0.2570% | 5,741 |
| Pretax return on assets | 0.3936% | 5,509 |
| Return on Equity (ROE) | 1.4651% | 5,991 |
| Retained earnings to average equity (ytd only) | -33.3672% | 6,733 |
| Net charge-offs to loans | 0.3998% | 1,689 |
| Credit loss provision to net charge-offs | 60.0419% | 3,560 |
| Earnings coverage of net charge-offs (x) | 3.4179% | 3,860 |
| Efficiency ratio | 85.6306% | 1,445 |
| Assets per employee ($millions) | 4.7571% | 2,507 |
| Cash dividends to net income (ytd only)* | 2,377.5161% | 4 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6732% | 6,386 |
| Loan loss allowance to noncurrent loans | 15.5856% | 6,233 |
| Noncurrent assets plus other real estate owned to assets | 3.0767% | 1,015 |
| Noncurrent loans to loans | 4.3195% | 633 |
| Net loans and leases to total assets | 37.7758% | 6,113 |
| Net loans and leases to deposits | 45.2007% | 6,061 |
| Net loans and leases to core deposits | 46.2150% | 6,128 |
| Total domestic deposits to total assets | 83.5734% | 4,330 |
| Equity capital to assets | 12.9231% | 1,308 |
| Core capital (leverage) ratio | 11.3349% | 2,081 |
| Tier 1 risk-based capital ratio | 26.5946% | 726 |
| Total risk-based capital ratio | 27.2213% | 756 |
| Memoranda: |
| Average total assets | $5,122,289,800 | 175 |
| Average earning assets | $4,601,103,600 | 171 |
| Average equity | $898,592,000 | 136 |
| Average total loans | $1,789,617,400 | 271 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2407% | 3,233 |
| Cost of funding earning assets | 0.3647% | 5,145 |
| Net interest margin | 3.8760% | 2,357 |
| Noninterest income to average assets | 0.6741% | 2,755 |
| Noninterest expense to average assets | 3.6329% | 1,342 |
| Loan and lease loss provision to assets | 0.0907% | 3,251 |
| Net operating income to assets | 0.2653% | 5,735 |
| Return on assets (ROA) | 0.2653% | 5,837 |
| Pretax return on assets | 0.4322% | 5,547 |
| Return on Equity (ROE) | 1.4236% | 6,093 |
| Retained earnings to average equity (ytd only) | 1.4236% | 5,414 |
| Net charge-offs to loans | 0.5632% | 1,119 |
| Credit loss provision to net charge-offs | 47.0808% | 3,578 |
| Earnings coverage of net charge-offs (x) | 2.7141% | 3,931 |
| Efficiency ratio | 84.9361% | 1,482 |
| Assets per employee ($millions) | 4.6645% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6532% | 6,496 |
| Loan loss allowance to noncurrent loans | 12.2335% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 3.2069% | 1,115 |
| Noncurrent loans to loans | 5.3397% | 528 |
| Net loans and leases to total assets | 33.9395% | 6,362 |
| Net loans and leases to deposits | 43.4715% | 6,237 |
| Net loans and leases to core deposits | 44.4666% | 6,282 |
| Total domestic deposits to total assets | 78.0729% | 5,889 |
| Equity capital to assets | 18.5411% | 292 |
| Core capital (leverage) ratio | 17.0653% | 386 |
| Tier 1 risk-based capital ratio | 44.3318% | 181 |
| Total risk-based capital ratio | 44.9576% | 186 |
| Memoranda: |
| Average total assets | $5,180,280,250 | 173 |
| Average earning assets | $4,653,317,250 | 168 |
| Average equity | $965,245,000 | 130 |
| Average total loans | $1,772,051,500 | 273 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2234% | 3,271 |
| Cost of funding earning assets | 0.3739% | 5,192 |
| Net interest margin | 3.8494% | 2,378 |
| Noninterest income to average assets | 0.5834% | 3,298 |
| Noninterest expense to average assets | 3.4476% | 1,724 |
| Loan and lease loss provision to assets | 0.1187% | 2,839 |
| Net operating income to assets | 0.2885% | 5,637 |
| Return on assets (ROA) | 0.2885% | 5,780 |
| Pretax return on assets | 0.4691% | 5,464 |
| Return on Equity (ROE) | 1.5456% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.5456% | 5,253 |
| Net charge-offs to loans | 0.7438% | 869 |
| Credit loss provision to net charge-offs | 46.6314% | 3,280 |
| Earnings coverage of net charge-offs (x) | 2.3092% | 3,754 |
| Efficiency ratio | 82.8877% | 1,769 |
| Assets per employee ($millions) | 4.6872% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6850% | 6,517 |
| Loan loss allowance to noncurrent loans | 9.3999% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 3.9861% | 869 |
| Noncurrent loans to loans | 7.2869% | 314 |
| Net loans and leases to total assets | 33.3462% | 6,448 |
| Net loans and leases to deposits | 42.8084% | 6,291 |
| Net loans and leases to core deposits | 43.8510% | 6,336 |
| Total domestic deposits to total assets | 77.8963% | 5,999 |
| Equity capital to assets | 18.5457% | 287 |
| Core capital (leverage) ratio | 17.2896% | 344 |
| Tier 1 risk-based capital ratio | 46.1423% | 158 |
| Total risk-based capital ratio | 46.8197% | 166 |
| Memoranda: |
| Average total assets | $5,201,396,000 | 169 |
| Average earning assets | $4,664,306,330 | 166 |
| Average equity | $970,748,000 | 129 |
| Average total loans | $1,780,042,670 | 276 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2840% | 2,955 |
| Cost of funding earning assets | 0.3877% | 5,220 |
| Net interest margin | 3.8964% | 2,131 |
| Noninterest income to average assets | 0.5739% | 3,279 |
| Noninterest expense to average assets | 3.5610% | 1,495 |
| Loan and lease loss provision to assets | 0.1084% | 2,884 |
| Net operating income to assets | 0.2356% | 5,773 |
| Return on assets (ROA) | 0.2356% | 5,899 |
| Pretax return on assets | 0.3883% | 5,602 |
| Return on Equity (ROE) | 1.2583% | 6,156 |
| Retained earnings to average equity (ytd only) | 1.2583% | 5,346 |
| Net charge-offs to loans | 0.8659% | 701 |
| Credit loss provision to net charge-offs | 36.2590% | 2,796 |
| Earnings coverage of net charge-offs (x) | 1.6610% | 3,275 |
| Efficiency ratio | 85.2376% | 1,618 |
| Assets per employee ($millions) | 4.5216% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7272% | 6,553 |
| Loan loss allowance to noncurrent loans | 9.8679% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 4.1542% | 935 |
| Noncurrent loans to loans | 7.3691% | 381 |
| Net loans and leases to total assets | 34.1665% | 6,410 |
| Net loans and leases to deposits | 43.3278% | 6,248 |
| Net loans and leases to core deposits | 44.3967% | 6,292 |
| Total domestic deposits to total assets | 78.8558% | 5,987 |
| Equity capital to assets | 18.9857% | 269 |
| Core capital (leverage) ratio | 16.9002% | 362 |
| Tier 1 risk-based capital ratio | 47.1353% | 150 |
| Total risk-based capital ratio | 47.8659% | 154 |
| Memoranda: |
| Average total assets | $5,226,496,500 | 171 |
| Average earning assets | $4,673,183,000 | 169 |
| Average equity | $978,460,500 | 132 |
| Average total loans | $1,805,276,500 | 275 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6085% | 2,964 |
| Cost of funding earning assets | 0.5776% | 4,561 |
| Net interest margin | 4.0308% | 2,270 |
| Noninterest income to average assets | 0.6419% | 3,042 |
| Noninterest expense to average assets | 3.2259% | 2,528 |
| Loan and lease loss provision to assets | 0.4896% | 1,235 |
| Net operating income to assets | 0.3020% | 5,464 |
| Return on assets (ROA) | 0.3095% | 5,640 |
| Pretax return on assets | 0.5060% | 5,262 |
| Return on Equity (ROE) | 1.8154% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.8154% | 4,946 |
| Net charge-offs to loans | 1.1904% | 850 |
| Credit loss provision to net charge-offs | 115.9597% | 2,490 |
| Earnings coverage of net charge-offs (x) | 2.3300% | 4,249 |
| Efficiency ratio | 74.4097% | 3,006 |
| Assets per employee ($millions) | 4.4978% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8367% | 6,416 |
| Loan loss allowance to noncurrent loans | 9.0522% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 4.9918% | 778 |
| Noncurrent loans to loans | 9.2436% | 275 |
| Net loans and leases to total assets | 34.3714% | 6,528 |
| Net loans and leases to deposits | 43.3806% | 6,403 |
| Net loans and leases to core deposits | 44.5317% | 6,438 |
| Total domestic deposits to total assets | 79.2320% | 5,844 |
| Equity capital to assets | 18.4642% | 294 |
| Core capital (leverage) ratio | 16.4279% | 401 |
| Tier 1 risk-based capital ratio | 46.5580% | 157 |
| Total risk-based capital ratio | 47.4197% | 161 |
| Memoranda: |
| Average total assets | $5,717,791,400 | 160 |
| Average earning assets | $5,060,910,200 | 160 |
| Average equity | $974,949,600 | 131 |
| Average total loans | $2,028,097,000 | 242 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6215% | 3,125 |
| Cost of funding earning assets | 0.6239% | 4,417 |
| Net interest margin | 3.9976% | 2,507 |
| Noninterest income to average assets | 0.7784% | 2,340 |
| Noninterest expense to average assets | 3.2749% | 2,347 |
| Loan and lease loss provision to assets | 0.5800% | 986 |
| Net operating income to assets | 0.2816% | 5,673 |
| Return on assets (ROA) | 0.2915% | 5,843 |
| Pretax return on assets | 0.4767% | 5,527 |
| Return on Equity (ROE) | 1.7425% | 6,094 |
| Retained earnings to average equity (ytd only) | 1.7425% | 5,458 |
| Net charge-offs to loans | 1.2434% | 774 |
| Credit loss provision to net charge-offs | 130.8380% | 2,202 |
| Earnings coverage of net charge-offs (x) | 2.3488% | 4,104 |
| Efficiency ratio | 73.7428% | 3,032 |
| Assets per employee ($millions) | 4.7676% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9029% | 6,371 |
| Loan loss allowance to noncurrent loans | 10.5413% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 5.4527% | 785 |
| Noncurrent loans to loans | 8.5651% | 351 |
| Net loans and leases to total assets | 35.4561% | 6,580 |
| Net loans and leases to deposits | 44.8366% | 6,463 |
| Net loans and leases to core deposits | 46.2544% | 6,505 |
| Total domestic deposits to total assets | 79.0785% | 5,852 |
| Equity capital to assets | 18.1010% | 354 |
| Core capital (leverage) ratio | 15.9476% | 483 |
| Tier 1 risk-based capital ratio | 46.0429% | 167 |
| Total risk-based capital ratio | 46.9905% | 171 |
| Memoranda: |
| Average total assets | $5,821,506,250 | 159 |
| Average earning assets | $5,151,880,750 | 161 |
| Average equity | $973,900,750 | 130 |
| Average total loans | $2,075,603,750 | 237 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6540% | 3,122 |
| Cost of funding earning assets | 0.6666% | 4,307 |
| Net interest margin | 3.9874% | 2,558 |
| Noninterest income to average assets | 0.7442% | 2,447 |
| Noninterest expense to average assets | 3.1381% | 2,786 |
| Loan and lease loss provision to assets | 0.6736% | 835 |
| Net operating income to assets | 0.2811% | 5,670 |
| Return on assets (ROA) | 0.2956% | 5,837 |
| Pretax return on assets | 0.4829% | 5,487 |
| Return on Equity (ROE) | 1.8118% | 6,098 |
| Retained earnings to average equity (ytd only) | 1.8118% | 5,288 |
| Net charge-offs to loans | 1.3475% | 775 |
| Credit loss provision to net charge-offs | 140.3456% | 1,964 |
| Earnings coverage of net charge-offs (x) | 2.3625% | 3,823 |
| Efficiency ratio | 71.3633% | 3,541 |
| Assets per employee ($millions) | 4.7167% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8716% | 6,527 |
| Loan loss allowance to noncurrent loans | 10.1579% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 5.4274% | 831 |
| Noncurrent loans to loans | 8.5809% | 380 |
| Net loans and leases to total assets | 34.6619% | 6,684 |
| Net loans and leases to deposits | 43.4203% | 6,581 |
| Net loans and leases to core deposits | 44.8487% | 6,628 |
| Total domestic deposits to total assets | 79.8289% | 5,784 |
| Equity capital to assets | 17.2026% | 425 |
| Core capital (leverage) ratio | 14.8645% | 619 |
| Tier 1 risk-based capital ratio | 42.7543% | 193 |
| Total risk-based capital ratio | 43.6506% | 194 |
| Memoranda: |
| Average total assets | $5,956,672,670 | 154 |
| Average earning assets | $5,269,960,330 | 154 |
| Average equity | $971,750,330 | 129 |
| Average total loans | $2,121,538,670 | 231 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6483% | 3,275 |
| Cost of funding earning assets | 0.7130% | 4,171 |
| Net interest margin | 3.9353% | 2,783 |
| Noninterest income to average assets | 0.6453% | 2,959 |
| Noninterest expense to average assets | 3.1858% | 2,648 |
| Loan and lease loss provision to assets | 0.5140% | 1,172 |
| Net operating income to assets | 0.2684% | 5,754 |
| Return on assets (ROA) | 0.2967% | 5,835 |
| Pretax return on assets | 0.4783% | 5,496 |
| Return on Equity (ROE) | 1.8660% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.8660% | 5,311 |
| Net charge-offs to loans | 1.2702% | 801 |
| Credit loss provision to net charge-offs | 112.6671% | 2,095 |
| Earnings coverage of net charge-offs (x) | 2.0781% | 3,319 |
| Efficiency ratio | 74.9460% | 2,951 |
| Assets per employee ($millions) | 5.0460% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5890% | 6,991 |
| Loan loss allowance to noncurrent loans | 7.2491% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 5.2990% | 957 |
| Noncurrent loans to loans | 8.1256% | 474 |
| Net loans and leases to total assets | 35.1398% | 6,680 |
| Net loans and leases to deposits | 43.8769% | 6,567 |
| Net loans and leases to core deposits | 45.4488% | 6,603 |
| Total domestic deposits to total assets | 80.0873% | 5,834 |
| Equity capital to assets | 16.2981% | 530 |
| Core capital (leverage) ratio | 14.1578% | 761 |
| Tier 1 risk-based capital ratio | 41.3874% | 208 |
| Total risk-based capital ratio | 42.0184% | 213 |
| Memoranda: |
| Average total assets | $6,097,918,500 | 151 |
| Average earning assets | $5,405,777,000 | 150 |
| Average equity | $969,572,500 | 129 |
| Average total loans | $2,190,270,500 | 221 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4612% | 5,216 |
| Cost of funding earning assets | 0.9464% | 3,741 |
| Net interest margin | 3.5148% | 5,093 |
| Noninterest income to average assets | 1.9017% | 406 |
| Noninterest expense to average assets | 2.8188% | 4,275 |
| Loan and lease loss provision to assets | 0.4092% | 2,547 |
| Net operating income to assets | 1.1556% | 1,656 |
| Return on assets (ROA) | 1.1472% | 1,787 |
| Pretax return on assets | 1.8285% | 760 |
| Return on Equity (ROE) | 7.8151% | 3,003 |
| Retained earnings to average equity (ytd only) | 7.8151% | 1,146 |
| Net charge-offs to loans | 0.5161% | 2,925 |
| Credit loss provision to net charge-offs | 234.6826% | 1,039 |
| Earnings coverage of net charge-offs (x) | 12.9093% | 1,585 |
| Efficiency ratio | 53.8422% | 6,527 |
| Assets per employee ($millions) | 5.2897% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5069% | 7,103 |
| Loan loss allowance to noncurrent loans | 5.4223% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 5.3430% | 966 |
| Noncurrent loans to loans | 9.3483% | 364 |
| Net loans and leases to total assets | 36.2785% | 6,751 |
| Net loans and leases to deposits | 44.6730% | 6,691 |
| Net loans and leases to core deposits | 46.4054% | 6,720 |
| Total domestic deposits to total assets | 81.2089% | 5,382 |
| Equity capital to assets | 15.5197% | 672 |
| Core capital (leverage) ratio | 13.4296% | 991 |
| Tier 1 risk-based capital ratio | 44.1396% | 175 |
| Total risk-based capital ratio | 44.7677% | 181 |
| Memoranda: |
| Average total assets | $4,888,113,000 | 171 |
| Average earning assets | $4,405,749,600 | 165 |
| Average equity | $717,538,000 | 150 |
| Average total loans | $1,651,497,600 | 272 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6932% | 6,941 |
| Cost of funding earning assets | 0.8417% | 4,835 |
| Net interest margin | 2.8515% | 6,828 |
| Noninterest income to average assets | 3.2668% | 191 |
| Noninterest expense to average assets | 2.4835% | 5,522 |
| Loan and lease loss provision to assets | 0.4510% | 2,211 |
| Net operating income to assets | 1.8805% | 442 |
| Return on assets (ROA) | 1.8598% | 495 |
| Pretax return on assets | 2.9824% | 140 |
| Return on Equity (ROE) | 13.3749% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.3749% | 344 |
| Net charge-offs to loans | 0.6454% | 2,314 |
| Credit loss provision to net charge-offs | 260.5426% | 1,096 |
| Earnings coverage of net charge-offs (x) | 20.0207% | 1,242 |
| Efficiency ratio | 40.0382% | 7,260 |
| Assets per employee ($millions) | 4.9042% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6502% | 7,026 |
| Loan loss allowance to noncurrent loans | 8.9393% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 2.9885% | 2,145 |
| Noncurrent loans to loans | 7.2734% | 664 |
| Net loans and leases to total assets | 27.3209% | 7,168 |
| Net loans and leases to deposits | 33.4772% | 7,143 |
| Net loans and leases to core deposits | 34.2180% | 7,160 |
| Total domestic deposits to total assets | 81.6103% | 5,218 |
| Equity capital to assets | 15.3699% | 758 |
| Core capital (leverage) ratio | 12.6596% | 1,366 |
| Tier 1 risk-based capital ratio | 34.3922% | 373 |
| Total risk-based capital ratio | 34.9165% | 387 |
| Memoranda: |
| Average total assets | $3,236,230,000 | 229 |
| Average earning assets | $3,044,569,500 | 220 |
| Average equity | $449,995,500 | 197 |
| Average total loans | $868,046,000 | 485 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5530% | 7,132 |
| Cost of funding earning assets | 0.8969% | 4,696 |
| Net interest margin | 2.6561% | 7,072 |
| Noninterest income to average assets | 0.7361% | 2,343 |
| Noninterest expense to average assets | 2.0929% | 6,612 |
| Loan and lease loss provision to assets | 0.4968% | 1,980 |
| Net operating income to assets | 0.4151% | 4,873 |
| Return on assets (ROA) | 0.4162% | 5,022 |
| Pretax return on assets | 0.6537% | 4,562 |
| Return on Equity (ROE) | 3.1303% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.1303% | 4,284 |
| Net charge-offs to loans | 0.7926% | 1,920 |
| Credit loss provision to net charge-offs | 236.1284% | 1,279 |
| Earnings coverage of net charge-offs (x) | 5.4604% | 2,610 |
| Efficiency ratio | 61.4331% | 5,667 |
| Assets per employee ($millions) | 5.0159% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5759% | 7,168 |
| Loan loss allowance to noncurrent loans | 37.1638% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 6,125 |
| Noncurrent loans to loans | 1.5498% | 4,081 |
| Net loans and leases to total assets | 26.3838% | 7,279 |
| Net loans and leases to deposits | 31.5971% | 7,276 |
| Net loans and leases to core deposits | 31.9960% | 7,296 |
| Total domestic deposits to total assets | 83.5006% | 4,548 |
| Equity capital to assets | 14.5623% | 919 |
| Core capital (leverage) ratio | 11.6439% | 1,821 |
| Tier 1 risk-based capital ratio | 30.4865% | 512 |
| Total risk-based capital ratio | 30.9205% | 536 |
| Memoranda: |
| Average total assets | $3,049,693,330 | 236 |
| Average earning assets | $2,876,862,330 | 229 |
| Average equity | $405,521,670 | 215 |
| Average total loans | $809,446,670 | 527 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1600% | 7,354 |
| Cost of funding earning assets | 0.9346% | 4,691 |
| Net interest margin | 2.2254% | 7,346 |
| Noninterest income to average assets | 0.6649% | 2,758 |
| Noninterest expense to average assets | 1.9484% | 6,912 |
| Loan and lease loss provision to assets | 0.2937% | 2,807 |
| Net operating income to assets | 0.3601% | 5,124 |
| Return on assets (ROA) | 0.3601% | 5,207 |
| Pretax return on assets | 0.5283% | 4,931 |
| Return on Equity (ROE) | 2.8321% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.8321% | 4,470 |
| Net charge-offs to loans | 0.1078% | 3,883 |
| Credit loss provision to net charge-offs | 1,026.7857% | 370 |
| Earnings coverage of net charge-offs (x) | 28.7366% | 852 |
| Efficiency ratio | 66.7665% | 4,901 |
| Assets per employee ($millions) | 5.6568% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2641% | 7,423 |
| Loan loss allowance to noncurrent loans | 13.3388% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 5,871 |
| Noncurrent loans to loans | 1.9803% | 3,597 |
| Net loans and leases to total assets | 27.6531% | 7,304 |
| Net loans and leases to deposits | 32.5865% | 7,303 |
| Net loans and leases to core deposits | 32.9895% | 7,328 |
| Total domestic deposits to total assets | 84.8608% | 4,103 |
| Equity capital to assets | 13.7355% | 1,090 |
| Core capital (leverage) ratio | 11.0349% | 2,163 |
| Tier 1 risk-based capital ratio | 29.0354% | 572 |
| Total risk-based capital ratio | 29.2424% | 621 |
| Memoranda: |
| Average total assets | $3,132,479,500 | 234 |
| Average earning assets | $2,963,538,000 | 226 |
| Average equity | $398,285,000 | 216 |
| Average total loans | $831,496,000 | 527 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.1103% | 7,649 |
| Cost of funding earning assets | 0.0545% | 7,600 |
| Net interest margin | 0.0558% | 7,644 |
| Noninterest income to average assets | 0.0388% | 7,162 |
| Noninterest expense to average assets | 0.1061% | 7,647 |
| Loan and lease loss provision to assets | 0.0022% | 7,032 |
| Net operating income to assets | 0.0366% | 5,739 |
| Return on assets (ROA) | 0.0366% | 5,875 |
| Pretax return on assets | -0.0164% | 5,916 |
| Return on Equity (ROE) | 0.3094% | 5,879 |
| Retained earnings to average equity (ytd only) | 0.3094% | 5,428 |
| Net charge-offs to loans | 0.0039% | 6,810 |
| Credit loss provision to net charge-offs | 220.5882% | 1,360 |
| Earnings coverage of net charge-offs (x) | -14.1176% | 6,807 |
| Efficiency ratio | 115.4889% | 456 |
| Assets per employee ($millions) | 6.8031% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0048% | 7,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 25.5306% | 7,444 |
| Net loans and leases to deposits | 36.3277% | 7,338 |
| Net loans and leases to core deposits | 36.7737% | 7,375 |
| Total domestic deposits to total assets | 70.2785% | 7,222 |
| Equity capital to assets | 11.8402% | 2,012 |
| Core capital (leverage) ratio | 10.6806% | 2,391 |
| Tier 1 risk-based capital ratio | 32.6898% | 414 |
| Total risk-based capital ratio | 32.6977% | 443 |
| Memoranda: |
| Average total assets | $3,374,340,000 | 227 |
| Average earning assets | $3,207,255,000 | 217 |
| Average equity | $399,529,000 | 210 |
| Average total loans | $861,529,000 | 522 |
