| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1966% | 2,731 |
| Cost of funding earning assets | 3.0278% | 304 |
| Net interest margin | 2.1688% | 4,231 |
| Noninterest income to average assets | 0.5900% | 1,381 |
| Noninterest expense to average assets | 1.0779% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1416% | 1,885 |
| Return on assets (ROA) | 1.3033% | 1,465 |
| Pretax return on assets | 1.7076% | 1,102 |
| Return on Equity (ROE) | 13.7500% | 1,327 |
| Retained earnings to average equity (ytd only) | -1.4025% | 3,872 |
| Net charge-offs to loans | -0.0001% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 41.7967% | 4,241 |
| Assets per employee ($millions) | 139.0918% | 13 |
| Cash dividends to net income (ytd only)* | 110.1977% | 425 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4018% | 4,309 |
| Loan loss allowance to noncurrent loans | 36.6967% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7148% | 1,052 |
| Noncurrent loans to loans | 1.0949% | 974 |
| Net loans and leases to total assets | 63.9400% | 2,500 |
| Net loans and leases to deposits | 83.8720% | 1,700 |
| Net loans and leases to core deposits | 90.6291% | 2,008 |
| Total domestic deposits to total assets | 76.2300% | 3,964 |
| Equity capital to assets | 9.4253% | 2,635 |
| Core capital (leverage) ratio | 9.7966% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8147% | 1,311 |
| Memoranda: |
| Average total assets | $13,926,100,500 | 132 |
| Average earning assets | $12,781,900,000 | 128 |
| Average equity | $1,319,643,500 | 147 |
| Average total loans | $8,990,262,000 | 137 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5791% | 1,987 |
| Cost of funding earning assets | 3.6765% | 138 |
| Net interest margin | 1.9026% | 4,293 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 0.9501% | 4,418 |
| Loan and lease loss provision to assets | -0.0800% | 4,341 |
| Net operating income to assets | 0.8129% | 2,663 |
| Return on assets (ROA) | 0.8465% | 2,569 |
| Pretax return on assets | 1.1415% | 2,129 |
| Return on Equity (ROE) | 9.7200% | 2,234 |
| Retained earnings to average equity (ytd only) | -3.9162% | 4,248 |
| Net charge-offs to loans | 0.0048% | 2,776 |
| Credit loss provision to net charge-offs | -2,984.0708% | 4,492 |
| Earnings coverage of net charge-offs (x) | 337.9292% | 349 |
| Efficiency ratio | 48.2015% | 4,072 |
| Assets per employee ($millions) | 139.4302% | 14 |
| Cash dividends to net income (ytd only)* | 140.3086% | 106 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3989% | 4,328 |
| Loan loss allowance to noncurrent loans | 25.8846% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.0182% | 648 |
| Noncurrent loans to loans | 1.5410% | 616 |
| Net loans and leases to total assets | 64.6600% | 2,503 |
| Net loans and leases to deposits | 87.8905% | 1,405 |
| Net loans and leases to core deposits | 96.4250% | 1,685 |
| Total domestic deposits to total assets | 73.5700% | 4,077 |
| Equity capital to assets | 9.5267% | 2,433 |
| Core capital (leverage) ratio | 9.7955% | 2,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3334% | 1,437 |
| Memoranda: |
| Average total assets | $14,960,691,000 | 125 |
| Average earning assets | $13,809,313,800 | 120 |
| Average equity | $1,303,561,200 | 145 |
| Average total loans | $9,499,871,400 | 133 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7309% | 1,667 |
| Cost of funding earning assets | 3.9215% | 89 |
| Net interest margin | 1.8094% | 4,349 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 0.9080% | 4,442 |
| Loan and lease loss provision to assets | -0.0900% | 4,377 |
| Net operating income to assets | 0.9026% | 2,376 |
| Return on assets (ROA) | 0.9489% | 2,227 |
| Pretax return on assets | 1.2472% | 1,890 |
| Return on Equity (ROE) | 11.1300% | 1,860 |
| Retained earnings to average equity (ytd only) | -7.1336% | 4,389 |
| Net charge-offs to loans | 0.0037% | 2,577 |
| Credit loss provision to net charge-offs | -4,496.2547% | 4,526 |
| Earnings coverage of net charge-offs (x) | 469.0262% | 250 |
| Efficiency ratio | 45.2767% | 4,187 |
| Assets per employee ($millions) | 132.7794% | 16 |
| Cash dividends to net income (ytd only)* | 164.1037% | 72 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4172% | 4,359 |
| Loan loss allowance to noncurrent loans | 31.5134% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 772 |
| Noncurrent loans to loans | 1.3239% | 745 |
| Net loans and leases to total assets | 65.3000% | 2,390 |
| Net loans and leases to deposits | 86.7648% | 1,564 |
| Net loans and leases to core deposits | 97.9728% | 1,625 |
| Total domestic deposits to total assets | 75.2600% | 3,983 |
| Equity capital to assets | 9.5523% | 2,631 |
| Core capital (leverage) ratio | 9.0676% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0916% | 1,511 |
| Memoranda: |
| Average total assets | $15,215,108,750 | 126 |
| Average earning assets | $14,066,095,250 | 123 |
| Average equity | $1,297,375,250 | 146 |
| Average total loans | $9,611,889,000 | 132 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7747% | 1,491 |
| Cost of funding earning assets | 4.0230% | 64 |
| Net interest margin | 1.7517% | 4,379 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 0.8603% | 4,472 |
| Loan and lease loss provision to assets | -0.0800% | 4,378 |
| Net operating income to assets | 0.9855% | 2,045 |
| Return on assets (ROA) | 1.0650% | 1,814 |
| Pretax return on assets | 1.3672% | 1,553 |
| Return on Equity (ROE) | 12.9500% | 1,370 |
| Retained earnings to average equity (ytd only) | -10.7250% | 4,443 |
| Net charge-offs to loans | 0.0055% | 2,241 |
| Credit loss provision to net charge-offs | -2,431.7164% | 4,540 |
| Earnings coverage of net charge-offs (x) | 345.8694% | 344 |
| Efficiency ratio | 42.1240% | 4,305 |
| Assets per employee ($millions) | 152.5622% | 12 |
| Cash dividends to net income (ytd only)* | 182.8412% | 81 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4500% | 4,359 |
| Loan loss allowance to noncurrent loans | 40.4286% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.7139% | 938 |
| Noncurrent loans to loans | 1.1131% | 820 |
| Net loans and leases to total assets | 62.7300% | 2,679 |
| Net loans and leases to deposits | 81.7343% | 2,045 |
| Net loans and leases to core deposits | 92.6370% | 1,955 |
| Total domestic deposits to total assets | 76.7500% | 3,825 |
| Equity capital to assets | 8.6111% | 3,022 |
| Core capital (leverage) ratio | 8.5885% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1486% | 1,823 |
| Memoranda: |
| Average total assets | $15,683,792,333 | 122 |
| Average earning assets | $14,524,926,667 | 119 |
| Average equity | $1,290,141,000 | 143 |
| Average total loans | $9,797,689,000 | 130 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8663% | 1,240 |
| Cost of funding earning assets | 4.1304% | 55 |
| Net interest margin | 1.7359% | 4,413 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 0.8103% | 4,499 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.8326% | 2,441 |
| Return on assets (ROA) | 0.9950% | 1,954 |
| Pretax return on assets | 1.3110% | 1,617 |
| Return on Equity (ROE) | 12.3700% | 1,469 |
| Retained earnings to average equity (ytd only) | -27.5837% | 4,480 |
| Net charge-offs to loans | 0.0007% | 2,219 |
| Credit loss provision to net charge-offs | 10,635.2941% | 35 |
| Earnings coverage of net charge-offs (x) | 2,731.1765% | 14 |
| Efficiency ratio | 40.9543% | 4,321 |
| Assets per employee ($millions) | 151.9209% | 13 |
| Cash dividends to net income (ytd only)* | 322.9264% | 60 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5285% | 4,302 |
| Loan loss allowance to noncurrent loans | 49.3841% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 939 |
| Noncurrent loans to loans | 1.0702% | 788 |
| Net loans and leases to total assets | 61.7500% | 2,694 |
| Net loans and leases to deposits | 83.2777% | 1,772 |
| Net loans and leases to core deposits | 101.7749% | 1,313 |
| Total domestic deposits to total assets | 74.1500% | 4,120 |
| Equity capital to assets | 8.1977% | 3,237 |
| Core capital (leverage) ratio | 8.1185% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8773% | 1,925 |
| Memoranda: |
| Average total assets | $15,897,576,500 | 122 |
| Average earning assets | $14,744,084,000 | 117 |
| Average equity | $1,278,349,000 | 147 |
| Average total loans | $9,889,858,500 | 128 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3645% | 1,367 |
| Cost of funding earning assets | 3.6345% | 62 |
| Net interest margin | 1.7300% | 4,466 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 0.7586% | 4,519 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7545% | 3,034 |
| Return on assets (ROA) | 0.7583% | 2,992 |
| Pretax return on assets | 0.9867% | 2,712 |
| Return on Equity (ROE) | 9.5900% | 2,612 |
| Retained earnings to average equity (ytd only) | 3.4873% | 3,126 |
| Net charge-offs to loans | 0.0004% | 2,888 |
| Credit loss provision to net charge-offs | 7,513.9535% | 70 |
| Earnings coverage of net charge-offs (x) | 3,537.3721% | 33 |
| Efficiency ratio | 43.3350% | 4,274 |
| Assets per employee ($millions) | 153.8017% | 13 |
| Cash dividends to net income (ytd only)* | 63.6400% | 1,061 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5019% | 4,331 |
| Loan loss allowance to noncurrent loans | 62.2573% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 1,109 |
| Noncurrent loans to loans | 0.8062% | 961 |
| Net loans and leases to total assets | 62.0200% | 2,673 |
| Net loans and leases to deposits | 82.8100% | 1,885 |
| Net loans and leases to core deposits | 117.0629% | 715 |
| Total domestic deposits to total assets | 74.9000% | 4,039 |
| Equity capital to assets | 7.8865% | 3,489 |
| Core capital (leverage) ratio | 8.1322% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6564% | 2,002 |
| Memoranda: |
| Average total assets | $15,333,481,600 | 121 |
| Average earning assets | $14,224,121,400 | 117 |
| Average equity | $1,212,378,400 | 146 |
| Average total loans | $9,655,219,000 | 129 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2460% | 1,363 |
| Cost of funding earning assets | 3.5070% | 59 |
| Net interest margin | 1.7391% | 4,492 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 0.7533% | 4,547 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8535% | 2,851 |
| Return on assets (ROA) | 0.8542% | 2,829 |
| Pretax return on assets | 1.0852% | 2,606 |
| Return on Equity (ROE) | 10.8000% | 2,425 |
| Retained earnings to average equity (ytd only) | 2.5753% | 3,613 |
| Net charge-offs to loans | 0.0006% | 2,637 |
| Credit loss provision to net charge-offs | 7,706.9767% | 71 |
| Earnings coverage of net charge-offs (x) | 2,909.6279% | 40 |
| Efficiency ratio | 40.6503% | 4,344 |
| Assets per employee ($millions) | 153.4735% | 13 |
| Cash dividends to net income (ytd only)* | 76.1474% | 528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5085% | 4,341 |
| Loan loss allowance to noncurrent loans | 71.7654% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4443% | 1,312 |
| Noncurrent loans to loans | 0.7085% | 1,170 |
| Net loans and leases to total assets | 62.0500% | 2,654 |
| Net loans and leases to deposits | 84.9629% | 1,653 |
| Net loans and leases to core deposits | 111.1729% | 828 |
| Total domestic deposits to total assets | 73.0400% | 4,214 |
| Equity capital to assets | 7.6789% | 3,254 |
| Core capital (leverage) ratio | 8.0534% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1674% | 2,215 |
| Memoranda: |
| Average total assets | $15,168,007,250 | 123 |
| Average earning assets | $14,057,686,500 | 119 |
| Average equity | $1,200,102,750 | 148 |
| Average total loans | $9,576,255,500 | 131 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1516% | 1,284 |
| Cost of funding earning assets | 3.3457% | 45 |
| Net interest margin | 1.8059% | 4,537 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 0.7254% | 4,579 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9190% | 2,692 |
| Return on assets (ROA) | 0.8755% | 2,828 |
| Pretax return on assets | 1.1099% | 2,616 |
| Return on Equity (ROE) | 10.9500% | 2,433 |
| Retained earnings to average equity (ytd only) | 1.9185% | 3,740 |
| Net charge-offs to loans | 0.0009% | 2,399 |
| Credit loss provision to net charge-offs | 5,004.5455% | 110 |
| Earnings coverage of net charge-offs (x) | 2,009.4318% | 69 |
| Efficiency ratio | 38.0231% | 4,433 |
| Assets per employee ($millions) | 152.2746% | 12 |
| Cash dividends to net income (ytd only)* | 82.4830% | 508 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5127% | 4,369 |
| Loan loss allowance to noncurrent loans | 83.9378% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 1,392 |
| Noncurrent loans to loans | 0.6108% | 1,222 |
| Net loans and leases to total assets | 61.8400% | 2,591 |
| Net loans and leases to deposits | 83.8439% | 1,681 |
| Net loans and leases to core deposits | 116.2652% | 619 |
| Total domestic deposits to total assets | 73.7600% | 4,212 |
| Equity capital to assets | 8.0151% | 3,209 |
| Core capital (leverage) ratio | 8.2820% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3100% | 2,172 |
| Memoranda: |
| Average total assets | $14,954,752,000 | 120 |
| Average earning assets | $13,867,830,667 | 115 |
| Average equity | $1,195,514,333 | 147 |
| Average total loans | $9,481,836,000 | 126 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9777% | 1,272 |
| Cost of funding earning assets | 3.0887% | 26 |
| Net interest margin | 1.8890% | 4,590 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 0.6235% | 4,655 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9270% | 2,766 |
| Return on assets (ROA) | 0.9423% | 2,668 |
| Pretax return on assets | 1.1950% | 2,437 |
| Return on Equity (ROE) | 11.8000% | 2,272 |
| Retained earnings to average equity (ytd only) | 2.6268% | 3,578 |
| Net charge-offs to loans | 0.0019% | 1,967 |
| Credit loss provision to net charge-offs | 6,788.8889% | 70 |
| Earnings coverage of net charge-offs (x) | 1,017.5111% | 100 |
| Efficiency ratio | 33.4177% | 4,578 |
| Assets per employee ($millions) | 148.8223% | 12 |
| Cash dividends to net income (ytd only)* | 77.7448% | 668 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5164% | 4,424 |
| Loan loss allowance to noncurrent loans | 121.6519% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 1,771 |
| Noncurrent loans to loans | 0.4245% | 1,667 |
| Net loans and leases to total assets | 63.2900% | 2,323 |
| Net loans and leases to deposits | 89.8351% | 1,064 |
| Net loans and leases to core deposits | 119.7245% | 447 |
| Total domestic deposits to total assets | 70.4500% | 4,404 |
| Equity capital to assets | 7.7277% | 3,427 |
| Core capital (leverage) ratio | 8.5339% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4136% | 2,214 |
| Memoranda: |
| Average total assets | $14,742,263,000 | 123 |
| Average earning assets | $13,660,785,500 | 120 |
| Average equity | $1,176,924,500 | 153 |
| Average total loans | $9,442,528,000 | 130 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1116% | 1,452 |
| Cost of funding earning assets | 1.6105% | 16 |
| Net interest margin | 2.5011% | 4,290 |
| Noninterest income to average assets | -0.1500% | 4,701 |
| Noninterest expense to average assets | 0.6652% | 4,680 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1159% | 2,097 |
| Return on assets (ROA) | 1.1242% | 2,019 |
| Pretax return on assets | 1.4384% | 1,665 |
| Return on Equity (ROE) | 14.0800% | 1,512 |
| Retained earnings to average equity (ytd only) | 14.0809% | 373 |
| Net charge-offs to loans | 0.0015% | 2,500 |
| Credit loss provision to net charge-offs | 9,407.2581% | 76 |
| Earnings coverage of net charge-offs (x) | 1,569.7177% | 111 |
| Efficiency ratio | 30.4583% | 4,647 |
| Assets per employee ($millions) | 140.2417% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5896% | 4,351 |
| Loan loss allowance to noncurrent loans | 123.5803% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 1,619 |
| Noncurrent loans to loans | 0.4771% | 1,509 |
| Net loans and leases to total assets | 64.1300% | 2,229 |
| Net loans and leases to deposits | 92.4212% | 893 |
| Net loans and leases to core deposits | 111.9669% | 546 |
| Total domestic deposits to total assets | 69.3900% | 4,484 |
| Equity capital to assets | 8.2546% | 2,891 |
| Core capital (leverage) ratio | 8.3751% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7535% | 2,071 |
| Memoranda: |
| Average total assets | $12,815,210,400 | 138 |
| Average earning assets | $11,936,030,200 | 134 |
| Average equity | $1,023,170,600 | 167 |
| Average total loans | $8,013,907,800 | 143 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8571% | 1,597 |
| Cost of funding earning assets | 1.2086% | 22 |
| Net interest margin | 2.6485% | 4,025 |
| Noninterest income to average assets | -0.1300% | 4,736 |
| Noninterest expense to average assets | 0.6734% | 4,720 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.1364% | 1,944 |
| Return on assets (ROA) | 1.1223% | 1,963 |
| Pretax return on assets | 1.4464% | 1,570 |
| Return on Equity (ROE) | 14.2000% | 1,372 |
| Retained earnings to average equity (ytd only) | 14.1952% | 440 |
| Net charge-offs to loans | 0.0022% | 2,197 |
| Credit loss provision to net charge-offs | 15,424.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 1,247.3600% | 112 |
| Efficiency ratio | 28.7255% | 4,697 |
| Assets per employee ($millions) | 136.3687% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6711% | 4,300 |
| Loan loss allowance to noncurrent loans | 180.0366% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 1,982 |
| Noncurrent loans to loans | 0.3728% | 1,898 |
| Net loans and leases to total assets | 65.9900% | 1,890 |
| Net loans and leases to deposits | 88.1850% | 1,020 |
| Net loans and leases to core deposits | 89.7756% | 1,310 |
| Total domestic deposits to total assets | 74.8400% | 4,417 |
| Equity capital to assets | 8.1416% | 2,805 |
| Core capital (leverage) ratio | 8.4584% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4235% | 2,304 |
| Memoranda: |
| Average total assets | $12,442,849,750 | 141 |
| Average earning assets | $11,611,011,750 | 136 |
| Average equity | $983,764,500 | 169 |
| Average total loans | $7,710,456,000 | 144 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6378% | 1,725 |
| Cost of funding earning assets | 0.9126% | 55 |
| Net interest margin | 2.7252% | 3,651 |
| Noninterest income to average assets | 0.0666% | 4,592 |
| Noninterest expense to average assets | 0.6195% | 4,746 |
| Loan and lease loss provision to assets | 0.1548% | 605 |
| Net operating income to assets | 1.4200% | 860 |
| Return on assets (ROA) | 1.4327% | 814 |
| Pretax return on assets | 1.8537% | 524 |
| Return on Equity (ROE) | 18.3330% | 432 |
| Retained earnings to average equity (ytd only) | 18.3330% | 103 |
| Net charge-offs to loans | 0.0035% | 1,922 |
| Credit loss provision to net charge-offs | 7,341.2698% | 83 |
| Earnings coverage of net charge-offs (x) | 945.1111% | 138 |
| Efficiency ratio | 23.7179% | 4,743 |
| Assets per employee ($millions) | 138.6916% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6002% | 4,462 |
| Loan loss allowance to noncurrent loans | 112.0216% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,606 |
| Noncurrent loans to loans | 0.5358% | 1,548 |
| Net loans and leases to total assets | 64.6655% | 1,837 |
| Net loans and leases to deposits | 84.9656% | 1,055 |
| Net loans and leases to core deposits | 86.5158% | 1,299 |
| Total domestic deposits to total assets | 76.1078% | 4,453 |
| Equity capital to assets | 8.0181% | 3,114 |
| Core capital (leverage) ratio | 8.5628% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3215% | 2,367 |
| Memoranda: |
| Average total assets | $11,953,932,000 | 142 |
| Average earning assets | $11,164,442,000 | 141 |
| Average equity | $934,197,000 | 175 |
| Average total loans | $7,200,083,000 | 150 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4141% | 2,044 |
| Cost of funding earning assets | 0.7708% | 105 |
| Net interest margin | 2.6433% | 3,549 |
| Noninterest income to average assets | 0.6078% | 1,663 |
| Noninterest expense to average assets | 0.6263% | 4,771 |
| Loan and lease loss provision to assets | 0.0509% | 1,459 |
| Net operating income to assets | 1.8856% | 280 |
| Return on assets (ROA) | 1.9785% | 233 |
| Pretax return on assets | 2.5210% | 177 |
| Return on Equity (ROE) | 25.7111% | 90 |
| Retained earnings to average equity (ytd only) | 25.7111% | 51 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.3294% | 4,774 |
| Assets per employee ($millions) | 127.4456% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6440% | 4,467 |
| Loan loss allowance to noncurrent loans | 86.6484% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 1,395 |
| Noncurrent loans to loans | 0.7432% | 1,286 |
| Net loans and leases to total assets | 58.2929% | 2,266 |
| Net loans and leases to deposits | 73.9345% | 1,616 |
| Net loans and leases to core deposits | 74.3470% | 1,914 |
| Total domestic deposits to total assets | 78.8439% | 4,353 |
| Equity capital to assets | 7.8811% | 3,663 |
| Core capital (leverage) ratio | 8.7621% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7067% | 2,714 |
| Memoranda: |
| Average total assets | $11,273,699,500 | 149 |
| Average earning assets | $10,546,823,500 | 148 |
| Average equity | $867,516,500 | 185 |
| Average total loans | $6,469,222,500 | 162 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1258% | 3,632 |
| Cost of funding earning assets | 0.8798% | 133 |
| Net interest margin | 2.2459% | 4,460 |
| Noninterest income to average assets | 0.1852% | 4,228 |
| Noninterest expense to average assets | 0.7312% | 4,794 |
| Loan and lease loss provision to assets | -0.0594% | 4,401 |
| Net operating income to assets | 1.2890% | 1,632 |
| Return on assets (ROA) | 1.3117% | 1,610 |
| Pretax return on assets | 1.6551% | 1,257 |
| Return on Equity (ROE) | 17.7582% | 486 |
| Retained earnings to average equity (ytd only) | 10.4116% | 819 |
| Net charge-offs to loans | 0.0145% | 2,026 |
| Credit loss provision to net charge-offs | -662.9930% | 3,816 |
| Earnings coverage of net charge-offs (x) | 174.8097% | 593 |
| Efficiency ratio | 31.8169% | 4,781 |
| Assets per employee ($millions) | 120.2489% | 18 |
| Cash dividends to net income (ytd only)* | 41.3700% | 1,966 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7074% | 4,405 |
| Loan loss allowance to noncurrent loans | 90.7982% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 1,507 |
| Noncurrent loans to loans | 0.7791% | 1,308 |
| Net loans and leases to total assets | 55.5925% | 2,666 |
| Net loans and leases to deposits | 71.7121% | 1,939 |
| Net loans and leases to core deposits | 73.0096% | 2,161 |
| Total domestic deposits to total assets | 77.5217% | 4,432 |
| Equity capital to assets | 7.4935% | 4,590 |
| Core capital (leverage) ratio | 8.9452% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6610% | 2,382 |
| Memoranda: |
| Average total assets | $9,616,684,400 | 165 |
| Average earning assets | $9,047,193,200 | 161 |
| Average equity | $710,331,800 | 214 |
| Average total loans | $5,948,072,000 | 169 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1057% | 3,793 |
| Cost of funding earning assets | 0.9016% | 145 |
| Net interest margin | 2.2041% | 4,570 |
| Noninterest income to average assets | 0.2088% | 4,153 |
| Noninterest expense to average assets | 0.7418% | 4,878 |
| Loan and lease loss provision to assets | -0.1272% | 4,657 |
| Net operating income to assets | 1.3226% | 1,748 |
| Return on assets (ROA) | 1.3422% | 1,764 |
| Pretax return on assets | 1.6888% | 1,432 |
| Return on Equity (ROE) | 18.2473% | 599 |
| Retained earnings to average equity (ytd only) | 8.0924% | 2,027 |
| Net charge-offs to loans | 0.0186% | 1,686 |
| Credit loss provision to net charge-offs | -1,076.9697% | 3,872 |
| Earnings coverage of net charge-offs (x) | 130.1600% | 741 |
| Efficiency ratio | 32.5528% | 4,847 |
| Assets per employee ($millions) | 108.3482% | 17 |
| Cash dividends to net income (ytd only)* | 55.6515% | 976 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7045% | 4,493 |
| Loan loss allowance to noncurrent loans | 76.9280% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 1,444 |
| Noncurrent loans to loans | 0.9158% | 1,261 |
| Net loans and leases to total assets | 57.4270% | 2,569 |
| Net loans and leases to deposits | 71.6283% | 2,094 |
| Net loans and leases to core deposits | 72.0761% | 2,419 |
| Total domestic deposits to total assets | 80.1737% | 4,205 |
| Equity capital to assets | 7.7928% | 4,615 |
| Core capital (leverage) ratio | 8.9789% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5984% | 2,127 |
| Memoranda: |
| Average total assets | $9,315,254,750 | 170 |
| Average earning assets | $8,748,246,250 | 164 |
| Average equity | $685,171,000 | 219 |
| Average total loans | $5,920,263,750 | 170 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9336% | 4,170 |
| Cost of funding earning assets | 0.9020% | 185 |
| Net interest margin | 2.0316% | 4,699 |
| Noninterest income to average assets | 0.2096% | 4,149 |
| Noninterest expense to average assets | 0.7406% | 4,916 |
| Loan and lease loss provision to assets | -0.1720% | 4,734 |
| Net operating income to assets | 1.2442% | 2,043 |
| Return on assets (ROA) | 1.2620% | 2,059 |
| Pretax return on assets | 1.5821% | 1,787 |
| Return on Equity (ROE) | 17.5274% | 714 |
| Retained earnings to average equity (ytd only) | 9.9113% | 1,422 |
| Net charge-offs to loans | 0.0136% | 1,680 |
| Credit loss provision to net charge-offs | -1,932.5980% | 3,816 |
| Earnings coverage of net charge-offs (x) | 155.9706% | 580 |
| Efficiency ratio | 34.7925% | 4,860 |
| Assets per employee ($millions) | 103.0533% | 16 |
| Cash dividends to net income (ytd only)* | 43.4526% | 1,454 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6818% | 4,563 |
| Loan loss allowance to noncurrent loans | 63.5579% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 1,178 |
| Noncurrent loans to loans | 1.0727% | 1,132 |
| Net loans and leases to total assets | 64.6316% | 1,875 |
| Net loans and leases to deposits | 82.4725% | 1,179 |
| Net loans and leases to core deposits | 83.0563% | 1,636 |
| Total domestic deposits to total assets | 78.3675% | 4,403 |
| Equity capital to assets | 7.5129% | 4,735 |
| Core capital (leverage) ratio | 8.9173% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2700% | 2,257 |
| Memoranda: |
| Average total assets | $9,169,893,333 | 170 |
| Average earning assets | $8,661,059,000 | 164 |
| Average equity | $660,259,000 | 224 |
| Average total loans | $6,013,806,000 | 170 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9236% | 4,226 |
| Cost of funding earning assets | 0.9066% | 217 |
| Net interest margin | 2.0170% | 4,721 |
| Noninterest income to average assets | 0.4491% | 2,830 |
| Noninterest expense to average assets | 0.7381% | 4,947 |
| Loan and lease loss provision to assets | -0.1507% | 4,776 |
| Net operating income to assets | 1.3888% | 1,599 |
| Return on assets (ROA) | 1.3952% | 1,660 |
| Pretax return on assets | 1.7776% | 1,336 |
| Return on Equity (ROE) | 19.8141% | 545 |
| Retained earnings to average equity (ytd only) | 4.1484% | 3,459 |
| Net charge-offs to loans | 0.0038% | 1,788 |
| Credit loss provision to net charge-offs | -6,026.3158% | 3,746 |
| Earnings coverage of net charge-offs (x) | 647.3509% | 153 |
| Efficiency ratio | 31.3175% | 4,899 |
| Assets per employee ($millions) | 105.6157% | 17 |
| Cash dividends to net income (ytd only)* | 79.0636% | 594 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7181% | 4,546 |
| Loan loss allowance to noncurrent loans | 73.4338% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 1,355 |
| Noncurrent loans to loans | 0.9780% | 1,386 |
| Net loans and leases to total assets | 69.9366% | 1,300 |
| Net loans and leases to deposits | 83.8921% | 1,157 |
| Net loans and leases to core deposits | 84.4251% | 1,639 |
| Total domestic deposits to total assets | 83.3650% | 3,597 |
| Equity capital to assets | 7.6987% | 4,638 |
| Core capital (leverage) ratio | 8.3182% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5518% | 2,469 |
| Memoranda: |
| Average total assets | $9,117,442,500 | 170 |
| Average earning assets | $8,624,286,500 | 165 |
| Average equity | $641,987,500 | 226 |
| Average total loans | $6,002,910,500 | 171 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1339% | 4,525 |
| Cost of funding earning assets | 0.9801% | 642 |
| Net interest margin | 2.1538% | 4,783 |
| Noninterest income to average assets | 0.1886% | 4,345 |
| Noninterest expense to average assets | 0.6950% | 4,963 |
| Loan and lease loss provision to assets | 0.3553% | 966 |
| Net operating income to assets | 0.9210% | 2,605 |
| Return on assets (ROA) | 0.9852% | 2,489 |
| Pretax return on assets | 1.2593% | 2,122 |
| Return on Equity (ROE) | 16.2017% | 480 |
| Retained earnings to average equity (ytd only) | 5.2672% | 2,155 |
| Net charge-offs to loans | 0.3386% | 516 |
| Credit loss provision to net charge-offs | 151.6519% | 2,413 |
| Earnings coverage of net charge-offs (x) | 6.5447% | 2,773 |
| Efficiency ratio | 31.1917% | 4,954 |
| Assets per employee ($millions) | 105.1947% | 17 |
| Cash dividends to net income (ytd only)* | 67.4901% | 1,056 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8817% | 4,240 |
| Loan loss allowance to noncurrent loans | 82.2331% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 1,588 |
| Noncurrent loans to loans | 1.0722% | 1,329 |
| Net loans and leases to total assets | 60.7317% | 2,767 |
| Net loans and leases to deposits | 77.4129% | 2,135 |
| Net loans and leases to core deposits | 77.7188% | 2,578 |
| Total domestic deposits to total assets | 78.4517% | 4,270 |
| Equity capital to assets | 6.3889% | 4,965 |
| Core capital (leverage) ratio | 8.5388% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2656% | 2,137 |
| Memoranda: |
| Average total assets | $9,315,210,200 | 157 |
| Average earning assets | $8,821,546,600 | 151 |
| Average equity | $566,434,600 | 240 |
| Average total loans | $6,444,303,600 | 159 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2360% | 4,547 |
| Cost of funding earning assets | 0.9927% | 778 |
| Net interest margin | 2.2433% | 4,798 |
| Noninterest income to average assets | 0.3796% | 3,189 |
| Noninterest expense to average assets | 0.7013% | 5,004 |
| Loan and lease loss provision to assets | 0.5429% | 508 |
| Net operating income to assets | 0.9772% | 2,424 |
| Return on assets (ROA) | 1.0564% | 2,256 |
| Pretax return on assets | 1.3593% | 1,858 |
| Return on Equity (ROE) | 17.5902% | 395 |
| Retained earnings to average equity (ytd only) | 10.0463% | 753 |
| Net charge-offs to loans | 0.0314% | 2,204 |
| Credit loss provision to net charge-offs | 2,427.9796% | 413 |
| Earnings coverage of net charge-offs (x) | 80.5934% | 919 |
| Efficiency ratio | 28.0142% | 4,998 |
| Assets per employee ($millions) | 103.8781% | 17 |
| Cash dividends to net income (ytd only)* | 42.8872% | 1,815 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1679% | 2,850 |
| Loan loss allowance to noncurrent loans | 76.9800% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 994 |
| Noncurrent loans to loans | 1.5172% | 941 |
| Net loans and leases to total assets | 69.9413% | 1,957 |
| Net loans and leases to deposits | 85.8743% | 1,720 |
| Net loans and leases to core deposits | 87.9438% | 2,152 |
| Total domestic deposits to total assets | 81.4461% | 3,551 |
| Equity capital to assets | 6.1461% | 4,999 |
| Core capital (leverage) ratio | 8.5580% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9912% | 2,207 |
| Memoranda: |
| Average total assets | $9,356,029,000 | 156 |
| Average earning assets | $8,857,424,250 | 150 |
| Average equity | $561,865,750 | 241 |
| Average total loans | $6,653,488,000 | 158 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3027% | 4,646 |
| Cost of funding earning assets | 1.0062% | 972 |
| Net interest margin | 2.2965% | 4,838 |
| Noninterest income to average assets | 0.4219% | 2,963 |
| Noninterest expense to average assets | 0.6759% | 5,041 |
| Loan and lease loss provision to assets | 0.5605% | 585 |
| Net operating income to assets | 1.0534% | 2,134 |
| Return on assets (ROA) | 1.1113% | 2,053 |
| Pretax return on assets | 1.4451% | 1,600 |
| Return on Equity (ROE) | 18.6438% | 326 |
| Retained earnings to average equity (ytd only) | 10.9949% | 606 |
| Net charge-offs to loans | 0.0279% | 2,158 |
| Credit loss provision to net charge-offs | 2,821.2766% | 378 |
| Earnings coverage of net charge-offs (x) | 97.2543% | 709 |
| Efficiency ratio | 25.9159% | 5,034 |
| Assets per employee ($millions) | 101.6249% | 17 |
| Cash dividends to net income (ytd only)* | 41.0263% | 1,907 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0302% | 3,408 |
| Loan loss allowance to noncurrent loans | 85.4661% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8463% | 1,469 |
| Noncurrent loans to loans | 1.2054% | 1,303 |
| Net loans and leases to total assets | 69.2694% | 2,146 |
| Net loans and leases to deposits | 83.7408% | 2,019 |
| Net loans and leases to core deposits | 87.6141% | 2,287 |
| Total domestic deposits to total assets | 82.7188% | 3,175 |
| Equity capital to assets | 5.9547% | 5,039 |
| Core capital (leverage) ratio | 8.5577% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6945% | 2,316 |
| Memoranda: |
| Average total assets | $9,462,239,667 | 151 |
| Average earning assets | $9,008,353,000 | 147 |
| Average equity | $564,005,000 | 243 |
| Average total loans | $6,739,462,000 | 156 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2828% | 4,825 |
| Cost of funding earning assets | 1.1188% | 995 |
| Net interest margin | 2.1640% | 4,977 |
| Noninterest income to average assets | 0.7128% | 1,601 |
| Noninterest expense to average assets | 0.6274% | 5,091 |
| Loan and lease loss provision to assets | 0.7754% | 320 |
| Net operating income to assets | 1.0506% | 2,003 |
| Return on assets (ROA) | 1.1041% | 1,924 |
| Pretax return on assets | 1.4405% | 1,462 |
| Return on Equity (ROE) | 18.5158% | 233 |
| Retained earnings to average equity (ytd only) | 3.7106% | 2,801 |
| Net charge-offs to loans | 0.0228% | 1,909 |
| Credit loss provision to net charge-offs | 4,736.2500% | 173 |
| Earnings coverage of net charge-offs (x) | 131.2025% | 475 |
| Efficiency ratio | 22.6047% | 5,087 |
| Assets per employee ($millions) | 112.3834% | 15 |
| Cash dividends to net income (ytd only)* | 79.9600% | 1,034 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7748% | 4,460 |
| Loan loss allowance to noncurrent loans | 235.4059% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 3,420 |
| Noncurrent loans to loans | 0.3291% | 3,312 |
| Net loans and leases to total assets | 74.2819% | 1,564 |
| Net loans and leases to deposits | 108.5068% | 213 |
| Net loans and leases to core deposits | 108.8833% | 908 |
| Total domestic deposits to total assets | 68.4583% | 4,913 |
| Equity capital to assets | 4.8331% | 5,111 |
| Core capital (leverage) ratio | 8.5432% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1381% | 3,059 |
| Memoranda: |
| Average total assets | $9,772,675,500 | 146 |
| Average earning assets | $9,315,156,500 | 141 |
| Average equity | $582,768,500 | 233 |
| Average total loans | $7,015,138,500 | 150 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3175% | 4,957 |
| Cost of funding earning assets | 1.3503% | 657 |
| Net interest margin | 1.9673% | 5,098 |
| Noninterest income to average assets | -0.1223% | 5,157 |
| Noninterest expense to average assets | 0.6927% | 5,151 |
| Loan and lease loss provision to assets | 0.0901% | 2,219 |
| Net operating income to assets | 0.7840% | 3,603 |
| Return on assets (ROA) | 0.8287% | 3,554 |
| Pretax return on assets | 1.0300% | 3,388 |
| Return on Equity (ROE) | 11.2228% | 1,803 |
| Retained earnings to average equity (ytd only) | 9.4156% | 610 |
| Net charge-offs to loans | 0.0274% | 2,846 |
| Credit loss provision to net charge-offs | 497.2393% | 593 |
| Earnings coverage of net charge-offs (x) | 58.7147% | 996 |
| Efficiency ratio | 39.4257% | 5,076 |
| Assets per employee ($millions) | 114.9176% | 13 |
| Cash dividends to net income (ytd only)* | 16.1028% | 3,597 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5688% | 4,794 |
| Loan loss allowance to noncurrent loans | 219.3999% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 3,705 |
| Noncurrent loans to loans | 0.2592% | 3,517 |
| Net loans and leases to total assets | 68.3107% | 2,639 |
| Net loans and leases to deposits | 98.4549% | 719 |
| Net loans and leases to core deposits | 98.7848% | 1,669 |
| Total domestic deposits to total assets | 69.3827% | 4,955 |
| Equity capital to assets | 7.0944% | 5,134 |
| Core capital (leverage) ratio | 7.9906% | 5,041 |
| Tier 1 risk-based capital ratio | 12.5476% | 4,046 |
| Total risk-based capital ratio | 13.1766% | 4,280 |
| Memoranda: |
| Average total assets | $8,992,484,000 | 151 |
| Average earning assets | $8,590,175,600 | 147 |
| Average equity | $664,015,000 | 205 |
| Average total loans | $5,956,028,400 | 159 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3081% | 5,063 |
| Cost of funding earning assets | 1.3741% | 631 |
| Net interest margin | 1.9341% | 5,188 |
| Noninterest income to average assets | -0.2363% | 5,237 |
| Noninterest expense to average assets | 0.6935% | 5,230 |
| Loan and lease loss provision to assets | 0.0855% | 2,204 |
| Net operating income to assets | 0.6728% | 4,100 |
| Return on assets (ROA) | 0.7331% | 3,968 |
| Pretax return on assets | 0.9047% | 3,865 |
| Return on Equity (ROE) | 9.8207% | 2,504 |
| Retained earnings to average equity (ytd only) | 7.3846% | 1,675 |
| Net charge-offs to loans | 0.0170% | 2,800 |
| Credit loss provision to net charge-offs | 767.3469% | 447 |
| Earnings coverage of net charge-offs (x) | 82.2187% | 848 |
| Efficiency ratio | 43.0938% | 5,043 |
| Assets per employee ($millions) | 116.7529% | 13 |
| Cash dividends to net income (ytd only)* | 24.8057% | 2,830 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5022% | 4,969 |
| Loan loss allowance to noncurrent loans | 317.9480% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 4,105 |
| Noncurrent loans to loans | 0.1580% | 3,974 |
| Net loans and leases to total assets | 71.3818% | 2,268 |
| Net loans and leases to deposits | 92.2845% | 1,402 |
| Net loans and leases to core deposits | 92.5506% | 2,311 |
| Total domestic deposits to total assets | 77.3497% | 4,465 |
| Equity capital to assets | 6.1597% | 5,243 |
| Core capital (leverage) ratio | 7.7339% | 5,157 |
| Tier 1 risk-based capital ratio | 11.5701% | 4,638 |
| Total risk-based capital ratio | 12.1461% | 4,848 |
| Memoranda: |
| Average total assets | $8,798,605,750 | 152 |
| Average earning assets | $8,395,960,500 | 149 |
| Average equity | $656,772,500 | 209 |
| Average total loans | $5,767,345,500 | 161 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3183% | 5,119 |
| Cost of funding earning assets | 1.3574% | 623 |
| Net interest margin | 1.9609% | 5,244 |
| Noninterest income to average assets | -0.3419% | 5,288 |
| Noninterest expense to average assets | 0.6964% | 5,278 |
| Loan and lease loss provision to assets | 0.0134% | 3,504 |
| Net operating income to assets | 0.6708% | 4,101 |
| Return on assets (ROA) | 0.6912% | 4,091 |
| Pretax return on assets | 0.8404% | 3,995 |
| Return on Equity (ROE) | 8.6462% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.6462% | 1,147 |
| Net charge-offs to loans | 0.0162% | 2,572 |
| Credit loss provision to net charge-offs | 131.7647% | 1,650 |
| Earnings coverage of net charge-offs (x) | 81.4000% | 806 |
| Efficiency ratio | 45.6515% | 5,004 |
| Assets per employee ($millions) | 100.1246% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5681% | 4,924 |
| Loan loss allowance to noncurrent loans | 343.6515% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 4,160 |
| Noncurrent loans to loans | 0.1653% | 3,958 |
| Net loans and leases to total assets | 65.4532% | 3,172 |
| Net loans and leases to deposits | 78.8767% | 3,072 |
| Net loans and leases to core deposits | 79.1436% | 3,493 |
| Total domestic deposits to total assets | 82.9817% | 3,211 |
| Equity capital to assets | 7.7422% | 5,214 |
| Core capital (leverage) ratio | 8.9829% | 4,638 |
| Tier 1 risk-based capital ratio | 13.8246% | 3,412 |
| Total risk-based capital ratio | 14.4293% | 3,654 |
| Memoranda: |
| Average total assets | $8,345,639,330 | 159 |
| Average earning assets | $7,947,683,000 | 155 |
| Average equity | $667,139,330 | 208 |
| Average total loans | $5,260,726,000 | 171 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2866% | 5,177 |
| Cost of funding earning assets | 1.3161% | 632 |
| Net interest margin | 1.9706% | 5,312 |
| Noninterest income to average assets | 0.0483% | 5,218 |
| Noninterest expense to average assets | 0.7158% | 5,339 |
| Loan and lease loss provision to assets | 0.0143% | 3,247 |
| Net operating income to assets | 0.9893% | 2,889 |
| Return on assets (ROA) | 1.0048% | 2,863 |
| Pretax return on assets | 1.2180% | 2,737 |
| Return on Equity (ROE) | 12.3691% | 1,425 |
| Retained earnings to average equity (ytd only) | 12.3691% | 555 |
| Net charge-offs to loans | -0.0001% | 3,782 |
| Credit loss provision to net charge-offs | -29,500.0000% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1048% | 5,255 |
| Assets per employee ($millions) | 97.8725% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6236% | 4,895 |
| Loan loss allowance to noncurrent loans | 547.0246% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 4,340 |
| Noncurrent loans to loans | 0.1140% | 4,229 |
| Net loans and leases to total assets | 62.0106% | 3,500 |
| Net loans and leases to deposits | 84.8505% | 2,276 |
| Net loans and leases to core deposits | 102.1702% | 1,453 |
| Total domestic deposits to total assets | 73.0821% | 4,993 |
| Equity capital to assets | 8.2275% | 5,118 |
| Core capital (leverage) ratio | 9.2824% | 4,382 |
| Tier 1 risk-based capital ratio | 14.0871% | 3,299 |
| Total risk-based capital ratio | 14.7239% | 3,528 |
| Memoranda: |
| Average total assets | $8,263,162,000 | 161 |
| Average earning assets | $7,887,133,500 | 156 |
| Average equity | $671,254,500 | 211 |
| Average total loans | $5,089,945,500 | 173 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6611% | 5,324 |
| Cost of funding earning assets | 0.8836% | 1,156 |
| Net interest margin | 1.7775% | 5,359 |
| Noninterest income to average assets | 0.9710% | 1,009 |
| Noninterest expense to average assets | 0.7355% | 5,374 |
| Loan and lease loss provision to assets | 0.0057% | 4,001 |
| Net operating income to assets | 1.4254% | 1,345 |
| Return on assets (ROA) | 1.4336% | 1,320 |
| Pretax return on assets | 1.9386% | 648 |
| Return on Equity (ROE) | 18.4333% | 353 |
| Retained earnings to average equity (ytd only) | 18.4333% | 48 |
| Net charge-offs to loans | 0.0008% | 3,756 |
| Credit loss provision to net charge-offs | 1,236.8421% | 323 |
| Earnings coverage of net charge-offs (x) | 4,183.2368% | 15 |
| Efficiency ratio | 27.5524% | 5,372 |
| Assets per employee ($millions) | 97.7063% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6276% | 4,929 |
| Loan loss allowance to noncurrent loans | 555.4504% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 4,400 |
| Noncurrent loans to loans | 0.1130% | 4,224 |
| Net loans and leases to total assets | 60.4229% | 3,722 |
| Net loans and leases to deposits | 97.9975% | 906 |
| Net loans and leases to core deposits | 125.6176% | 403 |
| Total domestic deposits to total assets | 61.6575% | 5,305 |
| Equity capital to assets | 8.0205% | 5,157 |
| Core capital (leverage) ratio | 9.4513% | 4,169 |
| Tier 1 risk-based capital ratio | 13.5081% | 3,543 |
| Total risk-based capital ratio | 14.1314% | 3,810 |
| Memoranda: |
| Average total assets | $8,219,387,400 | 161 |
| Average earning assets | $7,854,237,800 | 154 |
| Average equity | $639,239,200 | 208 |
| Average total loans | $4,923,759,800 | 175 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6011% | 5,396 |
| Cost of funding earning assets | 0.7990% | 1,344 |
| Net interest margin | 1.8021% | 5,427 |
| Noninterest income to average assets | 1.3697% | 510 |
| Noninterest expense to average assets | 0.7708% | 5,445 |
| Loan and lease loss provision to assets | -0.0073% | 5,204 |
| Net operating income to assets | 1.7188% | 712 |
| Return on assets (ROA) | 1.7297% | 708 |
| Pretax return on assets | 2.3420% | 314 |
| Return on Equity (ROE) | 22.4187% | 154 |
| Retained earnings to average equity (ytd only) | 22.4187% | 40 |
| Net charge-offs to loans | -0.0001% | 3,980 |
| Credit loss provision to net charge-offs | 22,500.0000% | 14 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.9303% | 5,447 |
| Assets per employee ($millions) | 90.7148% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6355% | 4,991 |
| Loan loss allowance to noncurrent loans | 629.1139% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 4,617 |
| Noncurrent loans to loans | 0.1010% | 4,433 |
| Net loans and leases to total assets | 59.6716% | 3,879 |
| Net loans and leases to deposits | 93.8537% | 1,396 |
| Net loans and leases to core deposits | 97.3785% | 1,984 |
| Total domestic deposits to total assets | 63.5794% | 5,355 |
| Equity capital to assets | 8.4984% | 4,922 |
| Core capital (leverage) ratio | 9.2579% | 4,450 |
| Tier 1 risk-based capital ratio | 14.0628% | 3,341 |
| Total risk-based capital ratio | 14.7044% | 3,566 |
| Memoranda: |
| Average total assets | $8,197,975,250 | 160 |
| Average earning assets | $7,833,231,500 | 155 |
| Average equity | $632,523,000 | 206 |
| Average total loans | $4,892,241,250 | 176 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5968% | 5,456 |
| Cost of funding earning assets | 0.8660% | 848 |
| Net interest margin | 1.7308% | 5,497 |
| Noninterest income to average assets | 1.8060% | 321 |
| Noninterest expense to average assets | 0.7933% | 5,512 |
| Loan and lease loss provision to assets | -0.0364% | 5,357 |
| Net operating income to assets | 1.9484% | 423 |
| Return on assets (ROA) | 1.9737% | 394 |
| Pretax return on assets | 2.7349% | 150 |
| Return on Equity (ROE) | 26.4571% | 60 |
| Retained earnings to average equity (ytd only) | 26.4571% | 14 |
| Net charge-offs to loans | -0.0001% | 3,855 |
| Credit loss provision to net charge-offs | 75,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.9277% | 5,515 |
| Assets per employee ($millions) | 91.8773% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6351% | 5,045 |
| Loan loss allowance to noncurrent loans | 552.2078% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 4,614 |
| Noncurrent loans to loans | 0.1150% | 4,396 |
| Net loans and leases to total assets | 58.2569% | 3,967 |
| Net loans and leases to deposits | 90.1800% | 1,812 |
| Net loans and leases to core deposits | 93.5881% | 2,255 |
| Total domestic deposits to total assets | 64.6007% | 5,405 |
| Equity capital to assets | 8.1873% | 5,142 |
| Core capital (leverage) ratio | 8.5018% | 5,110 |
| Tier 1 risk-based capital ratio | 14.2101% | 3,260 |
| Total risk-based capital ratio | 14.8706% | 3,460 |
| Memoranda: |
| Average total assets | $8,239,427,330 | 157 |
| Average earning assets | $7,873,151,670 | 152 |
| Average equity | $614,655,670 | 203 |
| Average total loans | $4,906,831,000 | 173 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6123% | 5,508 |
| Cost of funding earning assets | 0.9318% | 512 |
| Net interest margin | 1.6805% | 5,568 |
| Noninterest income to average assets | 2.2338% | 235 |
| Noninterest expense to average assets | 0.7907% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0217% | 356 |
| Return on assets (ROA) | 2.0602% | 324 |
| Pretax return on assets | 3.0985% | 104 |
| Return on Equity (ROE) | 28.9667% | 49 |
| Retained earnings to average equity (ytd only) | 28.9667% | 21 |
| Net charge-offs to loans | -0.0001% | 3,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.5881% | 5,586 |
| Assets per employee ($millions) | 96.2586% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6434% | 5,113 |
| Loan loss allowance to noncurrent loans | 760.6569% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,795 |
| Noncurrent loans to loans | 0.0846% | 4,606 |
| Net loans and leases to total assets | 57.6518% | 3,973 |
| Net loans and leases to deposits | 77.6049% | 3,056 |
| Net loans and leases to core deposits | 80.9952% | 3,241 |
| Total domestic deposits to total assets | 74.2889% | 5,123 |
| Equity capital to assets | 7.5064% | 5,414 |
| Core capital (leverage) ratio | 7.5017% | 5,511 |
| Tier 1 risk-based capital ratio | 13.2308% | 3,829 |
| Total risk-based capital ratio | 13.9178% | 4,036 |
| Memoranda: |
| Average total assets | $8,362,478,500 | 156 |
| Average earning assets | $7,994,895,000 | 147 |
| Average equity | $594,765,000 | 214 |
| Average total loans | $5,017,034,500 | 171 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6182% | 5,522 |
| Cost of funding earning assets | 0.8381% | 511 |
| Net interest margin | 1.7800% | 5,598 |
| Noninterest income to average assets | 0.7994% | 1,570 |
| Noninterest expense to average assets | 0.7459% | 5,635 |
| Loan and lease loss provision to assets | 0.2069% | 981 |
| Net operating income to assets | 1.5586% | 708 |
| Return on assets (ROA) | 1.6826% | 557 |
| Pretax return on assets | 1.6826% | 1,052 |
| Return on Equity (ROE) | 23.9160% | 81 |
| Retained earnings to average equity (ytd only) | 23.9160% | 21 |
| Net charge-offs to loans | -0.0002% | 4,469 |
| Credit loss provision to net charge-offs | -222,666.6667% | 5,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.7016% | 5,629 |
| Assets per employee ($millions) | 94.8916% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6041% | 5,237 |
| Loan loss allowance to noncurrent loans | 876.9144% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 4,866 |
| Noncurrent loans to loans | 0.0689% | 4,689 |
| Net loans and leases to total assets | 61.5953% | 3,667 |
| Net loans and leases to deposits | 86.4892% | 2,196 |
| Net loans and leases to core deposits | 90.4782% | 2,516 |
| Total domestic deposits to total assets | 71.2174% | 5,353 |
| Equity capital to assets | 6.7171% | 5,601 |
| Core capital (leverage) ratio | 6.8245% | 5,610 |
| Tier 1 risk-based capital ratio | 10.9431% | 5,182 |
| Total risk-based capital ratio | 11.7656% | 5,270 |
| Memoranda: |
| Average total assets | $6,456,239,600 | 180 |
| Average earning assets | $6,209,647,800 | 173 |
| Average equity | $454,236,200 | 242 |
| Average total loans | $3,846,134,800 | 195 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6737% | 5,570 |
| Cost of funding earning assets | 0.7935% | 599 |
| Net interest margin | 1.8802% | 5,661 |
| Noninterest income to average assets | 0.7532% | 1,769 |
| Noninterest expense to average assets | 0.7175% | 5,708 |
| Loan and lease loss provision to assets | 0.1937% | 991 |
| Net operating income to assets | 1.6527% | 636 |
| Return on assets (ROA) | 1.8174% | 463 |
| Pretax return on assets | 1.8174% | 851 |
| Return on Equity (ROE) | 25.4300% | 71 |
| Retained earnings to average equity (ytd only) | 25.4300% | 25 |
| Net charge-offs to loans | -0.0002% | 4,245 |
| Credit loss provision to net charge-offs | -144,833.3333% | 5,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9854% | 5,701 |
| Assets per employee ($millions) | 87.5323% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6277% | 5,277 |
| Loan loss allowance to noncurrent loans | 2,113.8315% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 5,103 |
| Noncurrent loans to loans | 0.0297% | 4,993 |
| Net loans and leases to total assets | 55.2782% | 4,297 |
| Net loans and leases to deposits | 60.8978% | 4,587 |
| Net loans and leases to core deposits | 61.2571% | 4,753 |
| Total domestic deposits to total assets | 90.7721% | 236 |
| Equity capital to assets | 6.5120% | 5,687 |
| Core capital (leverage) ratio | 6.8020% | 5,680 |
| Tier 1 risk-based capital ratio | 12.3371% | 4,417 |
| Total risk-based capital ratio | 13.2456% | 4,506 |
| Memoranda: |
| Average total assets | $5,982,685,250 | 189 |
| Average earning assets | $5,761,164,750 | 180 |
| Average equity | $427,568,750 | 253 |
| Average total loans | $3,513,980,000 | 216 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7619% | 5,575 |
| Cost of funding earning assets | 0.6754% | 1,017 |
| Net interest margin | 2.0865% | 5,677 |
| Noninterest income to average assets | 0.9124% | 1,238 |
| Noninterest expense to average assets | 0.7424% | 5,758 |
| Loan and lease loss provision to assets | 0.2411% | 703 |
| Net operating income to assets | 1.9299% | 352 |
| Return on assets (ROA) | 2.1902% | 220 |
| Pretax return on assets | 2.1902% | 360 |
| Return on Equity (ROE) | 29.4262% | 38 |
| Retained earnings to average equity (ytd only) | 29.4262% | 20 |
| Net charge-offs to loans | -0.0003% | 4,113 |
| Credit loss provision to net charge-offs | -131,100.0000% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.4831% | 5,754 |
| Assets per employee ($millions) | 73.3313% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6198% | 5,347 |
| Loan loss allowance to noncurrent loans | 1,892.8793% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 5,127 |
| Noncurrent loans to loans | 0.0327% | 5,026 |
| Net loans and leases to total assets | 61.4641% | 3,693 |
| Net loans and leases to deposits | 67.0502% | 4,139 |
| Net loans and leases to core deposits | 67.5605% | 4,370 |
| Total domestic deposits to total assets | 91.6688% | 109 |
| Equity capital to assets | 7.2637% | 5,685 |
| Core capital (leverage) ratio | 8.1990% | 5,430 |
| Tier 1 risk-based capital ratio | 12.3255% | 4,403 |
| Total risk-based capital ratio | 13.2259% | 4,535 |
| Memoranda: |
| Average total assets | $5,438,476,330 | 199 |
| Average earning assets | $5,215,488,330 | 190 |
| Average equity | $404,789,000 | 263 |
| Average total loans | $3,273,240,330 | 226 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8566% | 5,569 |
| Cost of funding earning assets | 0.4940% | 2,138 |
| Net interest margin | 2.3626% | 5,633 |
| Noninterest income to average assets | 1.0918% | 831 |
| Noninterest expense to average assets | 0.8143% | 5,824 |
| Loan and lease loss provision to assets | 0.1271% | 1,517 |
| Net operating income to assets | 2.3992% | 162 |
| Return on assets (ROA) | 2.4630% | 145 |
| Pretax return on assets | 2.4630% | 230 |
| Return on Equity (ROE) | 32.5868% | 32 |
| Retained earnings to average equity (ytd only) | 32.5868% | 21 |
| Net charge-offs to loans | -0.0007% | 3,959 |
| Credit loss provision to net charge-offs | -31,580.0000% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.3751% | 5,823 |
| Assets per employee ($millions) | 61.7162% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6406% | 5,412 |
| Loan loss allowance to noncurrent loans | 1,485.8886% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 5,142 |
| Noncurrent loans to loans | 0.0431% | 5,023 |
| Net loans and leases to total assets | 56.9269% | 4,077 |
| Net loans and leases to deposits | 63.4623% | 4,335 |
| Net loans and leases to core deposits | 63.9194% | 4,541 |
| Total domestic deposits to total assets | 89.7019% | 791 |
| Equity capital to assets | 7.6819% | 5,634 |
| Core capital (leverage) ratio | 8.2138% | 5,436 |
| Tier 1 risk-based capital ratio | 13.0787% | 4,037 |
| Total risk-based capital ratio | 14.0279% | 4,108 |
| Memoranda: |
| Average total assets | $4,967,804,500 | 211 |
| Average earning assets | $4,728,528,000 | 204 |
| Average equity | $375,477,000 | 283 |
| Average total loans | $2,936,984,000 | 247 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0575% | 5,447 |
| Cost of funding earning assets | 0.4580% | 2,463 |
| Net interest margin | 2.5995% | 5,519 |
| Noninterest income to average assets | 0.8480% | 1,585 |
| Noninterest expense to average assets | 1.0397% | 5,851 |
| Loan and lease loss provision to assets | 0.1057% | 2,283 |
| Net operating income to assets | 2.1741% | 234 |
| Return on assets (ROA) | 2.3812% | 177 |
| Pretax return on assets | 2.3812% | 240 |
| Return on Equity (ROE) | 28.9813% | 47 |
| Retained earnings to average equity (ytd only) | 28.2978% | 20 |
| Net charge-offs to loans | -0.0055% | 4,824 |
| Credit loss provision to net charge-offs | -2,788.8889% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.3220% | 5,863 |
| Assets per employee ($millions) | 52.5911% | 23 |
| Cash dividends to net income (ytd only)* | 2.3586% | 4,170 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6317% | 5,480 |
| Loan loss allowance to noncurrent loans | 6,727.8195% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,289 |
| Noncurrent loans to loans | 0.0094% | 5,258 |
| Net loans and leases to total assets | 60.8283% | 3,757 |
| Net loans and leases to deposits | 87.0286% | 2,047 |
| Net loans and leases to core deposits | 88.4082% | 2,638 |
| Total domestic deposits to total assets | 69.8946% | 5,668 |
| Equity capital to assets | 7.4164% | 5,729 |
| Core capital (leverage) ratio | 8.1349% | 5,541 |
| Tier 1 risk-based capital ratio | 12.1709% | 4,602 |
| Total risk-based capital ratio | 13.1392% | 4,691 |
| Memoranda: |
| Average total assets | $3,561,068,600 | 264 |
| Average earning assets | $3,385,763,200 | 255 |
| Average equity | $292,588,400 | 328 |
| Average total loans | $2,463,555,600 | 268 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1927% | 5,368 |
| Cost of funding earning assets | 0.4676% | 2,390 |
| Net interest margin | 2.7251% | 5,459 |
| Noninterest income to average assets | 0.6089% | 2,615 |
| Noninterest expense to average assets | 1.1055% | 5,905 |
| Loan and lease loss provision to assets | 0.1485% | 1,581 |
| Net operating income to assets | 1.9405% | 379 |
| Return on assets (ROA) | 2.2399% | 244 |
| Pretax return on assets | 2.2399% | 354 |
| Return on Equity (ROE) | 26.3604% | 69 |
| Retained earnings to average equity (ytd only) | 25.4078% | 27 |
| Net charge-offs to loans | -0.0075% | 4,696 |
| Credit loss provision to net charge-offs | -2,758.6466% | 5,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6062% | 5,902 |
| Assets per employee ($millions) | 44.9963% | 25 |
| Cash dividends to net income (ytd only)* | 3.6138% | 3,715 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6280% | 5,564 |
| Loan loss allowance to noncurrent loans | 2,173.1380% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 5,299 |
| Noncurrent loans to loans | 0.0289% | 5,266 |
| Net loans and leases to total assets | 70.3238% | 2,448 |
| Net loans and leases to deposits | 85.5767% | 2,304 |
| Net loans and leases to core deposits | 87.4429% | 2,809 |
| Total domestic deposits to total assets | 82.1763% | 3,889 |
| Equity capital to assets | 8.3902% | 5,587 |
| Core capital (leverage) ratio | 9.6573% | 3,991 |
| Tier 1 risk-based capital ratio | 12.0612% | 4,754 |
| Total risk-based capital ratio | 12.7101% | 5,020 |
| Memoranda: |
| Average total assets | $3,294,331,500 | 279 |
| Average earning assets | $3,125,693,000 | 270 |
| Average equity | $279,927,750 | 334 |
| Average total loans | $2,371,184,250 | 271 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2974% | 5,293 |
| Cost of funding earning assets | 0.5121% | 2,009 |
| Net interest margin | 2.7854% | 5,447 |
| Noninterest income to average assets | 0.7399% | 1,976 |
| Noninterest expense to average assets | 1.1521% | 5,983 |
| Loan and lease loss provision to assets | 0.1491% | 1,541 |
| Net operating income to assets | 2.0663% | 296 |
| Return on assets (ROA) | 2.4015% | 178 |
| Pretax return on assets | 2.4015% | 252 |
| Return on Equity (ROE) | 28.1078% | 58 |
| Retained earnings to average equity (ytd only) | 26.5767% | 26 |
| Net charge-offs to loans | -0.0108% | 4,724 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2120% | 5,987 |
| Assets per employee ($millions) | 39.2188% | 26 |
| Cash dividends to net income (ytd only)* | 5.4475% | 3,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6516% | 5,609 |
| Loan loss allowance to noncurrent loans | 614.0824% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 5,103 |
| Noncurrent loans to loans | 0.1061% | 5,021 |
| Net loans and leases to total assets | 71.6188% | 2,228 |
| Net loans and leases to deposits | 95.2133% | 1,167 |
| Net loans and leases to core deposits | 97.0924% | 1,883 |
| Total domestic deposits to total assets | 75.2193% | 5,385 |
| Equity capital to assets | 8.5626% | 5,562 |
| Core capital (leverage) ratio | 9.4413% | 4,279 |
| Tier 1 risk-based capital ratio | 12.2864% | 4,655 |
| Total risk-based capital ratio | 12.9836% | 4,901 |
| Memoranda: |
| Average total assets | $3,057,551,000 | 289 |
| Average earning assets | $2,884,441,330 | 283 |
| Average equity | $261,236,670 | 346 |
| Average total loans | $2,216,900,670 | 282 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2833% | 5,350 |
| Cost of funding earning assets | 0.5103% | 2,027 |
| Net interest margin | 2.7730% | 5,514 |
| Noninterest income to average assets | 0.3870% | 3,927 |
| Noninterest expense to average assets | 1.1422% | 6,047 |
| Loan and lease loss provision to assets | 0.1908% | 1,037 |
| Net operating income to assets | 1.6777% | 605 |
| Return on assets (ROA) | 1.9442% | 392 |
| Pretax return on assets | 1.9442% | 637 |
| Return on Equity (ROE) | 22.7856% | 135 |
| Retained earnings to average equity (ytd only) | 19.4855% | 103 |
| Net charge-offs to loans | -0.0101% | 4,538 |
| Credit loss provision to net charge-offs | -2,605.7692% | 4,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9396% | 6,001 |
| Assets per employee ($millions) | 32.7870% | 31 |
| Cash dividends to net income (ytd only)* | 14.4833% | 2,645 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7089% | 5,577 |
| Loan loss allowance to noncurrent loans | 1,251.2591% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 5,119 |
| Noncurrent loans to loans | 0.0567% | 5,257 |
| Net loans and leases to total assets | 72.3083% | 1,984 |
| Net loans and leases to deposits | 103.8659% | 419 |
| Net loans and leases to core deposits | 108.5804% | 939 |
| Total domestic deposits to total assets | 69.6170% | 5,880 |
| Equity capital to assets | 8.3478% | 5,664 |
| Core capital (leverage) ratio | 9.3863% | 4,370 |
| Tier 1 risk-based capital ratio | 11.5851% | 5,180 |
| Total risk-based capital ratio | 12.3122% | 5,383 |
| Memoranda: |
| Average total assets | $2,841,089,500 | 301 |
| Average earning assets | $2,688,020,000 | 290 |
| Average equity | $242,416,500 | 368 |
| Average total loans | $2,067,235,500 | 295 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5179% | 4,873 |
| Cost of funding earning assets | 0.4188% | 2,956 |
| Net interest margin | 3.0991% | 4,903 |
| Noninterest income to average assets | 1.2462% | 773 |
| Noninterest expense to average assets | 1.3043% | 6,073 |
| Loan and lease loss provision to assets | 0.2068% | 1,028 |
| Net operating income to assets | 2.6514% | 125 |
| Return on assets (ROA) | 2.6194% | 131 |
| Pretax return on assets | 2.6194% | 169 |
| Return on Equity (ROE) | 28.9857% | 64 |
| Retained earnings to average equity (ytd only) | 28.9857% | 30 |
| Net charge-offs to loans | 0.0017% | 4,417 |
| Credit loss provision to net charge-offs | 16,232.1429% | 14 |
| Earnings coverage of net charge-offs (x) | 2,243.6071% | 14 |
| Efficiency ratio | 31.3342% | 6,131 |
| Assets per employee ($millions) | 28.1100% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7135% | 5,613 |
| Loan loss allowance to noncurrent loans | 1,148.1542% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 5,090 |
| Noncurrent loans to loans | 0.0621% | 5,268 |
| Net loans and leases to total assets | 72.1743% | 2,023 |
| Net loans and leases to deposits | 103.5219% | 463 |
| Net loans and leases to core deposits | 108.5695% | 940 |
| Total domestic deposits to total assets | 69.7189% | 5,904 |
| Equity capital to assets | 8.7367% | 5,356 |
| Core capital (leverage) ratio | 9.3375% | 4,414 |
| Tier 1 risk-based capital ratio | 12.7632% | 4,469 |
| Total risk-based capital ratio | 13.5151% | 4,680 |
| Memoranda: |
| Average total assets | $2,197,909,800 | 356 |
| Average earning assets | $2,068,268,600 | 347 |
| Average equity | $198,618,400 | 418 |
| Average total loans | $1,680,202,800 | 326 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6143% | 4,688 |
| Cost of funding earning assets | 0.4237% | 2,974 |
| Net interest margin | 3.1906% | 4,702 |
| Noninterest income to average assets | 1.1737% | 874 |
| Noninterest expense to average assets | 1.3983% | 6,103 |
| Loan and lease loss provision to assets | 0.1891% | 1,078 |
| Net operating income to assets | 2.5827% | 150 |
| Return on assets (ROA) | 2.5374% | 159 |
| Pretax return on assets | 2.5374% | 229 |
| Return on Equity (ROE) | 27.7792% | 76 |
| Retained earnings to average equity (ytd only) | 27.7792% | 32 |
| Net charge-offs to loans | 0.0024% | 4,100 |
| Credit loss provision to net charge-offs | 10,137.9310% | 42 |
| Earnings coverage of net charge-offs (x) | 1,485.6969% | 50 |
| Efficiency ratio | 33.5318% | 6,204 |
| Assets per employee ($millions) | 28.1483% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6867% | 5,757 |
| Loan loss allowance to noncurrent loans | 2,625.0000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 5,270 |
| Noncurrent loans to loans | 0.0262% | 5,530 |
| Net loans and leases to total assets | 79.5739% | 872 |
| Net loans and leases to deposits | 101.0623% | 602 |
| Net loans and leases to core deposits | 102.9372% | 1,301 |
| Total domestic deposits to total assets | 78.7375% | 5,042 |
| Equity capital to assets | 9.1951% | 5,121 |
| Core capital (leverage) ratio | 9.4825% | 4,323 |
| Tier 1 risk-based capital ratio | 12.5134% | 4,749 |
| Total risk-based capital ratio | 13.2536% | 5,000 |
| Memoranda: |
| Average total assets | $2,072,746,500 | 377 |
| Average earning assets | $1,946,543,750 | 369 |
| Average equity | $189,331,500 | 437 |
| Average total loans | $1,609,837,000 | 341 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6977% | 4,418 |
| Cost of funding earning assets | 0.4464% | 2,773 |
| Net interest margin | 3.2512% | 4,496 |
| Noninterest income to average assets | 1.3443% | 679 |
| Noninterest expense to average assets | 1.3675% | 6,190 |
| Loan and lease loss provision to assets | 0.1838% | 1,106 |
| Net operating income to assets | 2.8247% | 106 |
| Return on assets (ROA) | 2.7535% | 121 |
| Pretax return on assets | 2.7535% | 171 |
| Return on Equity (ROE) | 30.2200% | 67 |
| Retained earnings to average equity (ytd only) | 30.2200% | 30 |
| Net charge-offs to loans | 0.0018% | 3,840 |
| Credit loss provision to net charge-offs | 13,214.2857% | 36 |
| Earnings coverage of net charge-offs (x) | 2,162.9286% | 22 |
| Efficiency ratio | 31.2499% | 6,289 |
| Assets per employee ($millions) | 26.9928% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6830% | 5,852 |
| Loan loss allowance to noncurrent loans | 624.4481% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 5,344 |
| Noncurrent loans to loans | 0.1094% | 5,313 |
| Net loans and leases to total assets | 76.1919% | 1,340 |
| Net loans and leases to deposits | 93.5811% | 1,192 |
| Net loans and leases to core deposits | 95.1301% | 1,865 |
| Total domestic deposits to total assets | 81.4180% | 4,477 |
| Equity capital to assets | 9.1349% | 5,103 |
| Core capital (leverage) ratio | 9.2733% | 4,588 |
| Tier 1 risk-based capital ratio | 12.9661% | 4,537 |
| Total risk-based capital ratio | 13.7081% | 4,746 |
| Memoranda: |
| Average total assets | $2,013,041,670 | 383 |
| Average earning assets | $1,877,068,330 | 373 |
| Average equity | $183,421,670 | 452 |
| Average total loans | $1,545,021,330 | 348 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6644% | 4,487 |
| Cost of funding earning assets | 0.4288% | 2,984 |
| Net interest margin | 3.2356% | 4,467 |
| Noninterest income to average assets | 1.9915% | 370 |
| Noninterest expense to average assets | 1.4284% | 6,216 |
| Loan and lease loss provision to assets | 0.2371% | 721 |
| Net operating income to assets | 3.3508% | 77 |
| Return on assets (ROA) | 3.3508% | 80 |
| Pretax return on assets | 3.3508% | 113 |
| Return on Equity (ROE) | 36.8268% | 39 |
| Retained earnings to average equity (ytd only) | 36.8268% | 18 |
| Net charge-offs to loans | 0.0035% | 3,201 |
| Credit loss provision to net charge-offs | 8,846.1538% | 38 |
| Earnings coverage of net charge-offs (x) | 1,338.4615% | 28 |
| Efficiency ratio | 28.4745% | 6,376 |
| Assets per employee ($millions) | 26.2278% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6654% | 5,965 |
| Loan loss allowance to noncurrent loans | 561.3961% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 5,415 |
| Noncurrent loans to loans | 0.1185% | 5,348 |
| Net loans and leases to total assets | 76.4887% | 1,140 |
| Net loans and leases to deposits | 97.7511% | 701 |
| Net loans and leases to core deposits | 99.3769% | 1,368 |
| Total domestic deposits to total assets | 78.2484% | 5,404 |
| Equity capital to assets | 8.9558% | 5,342 |
| Core capital (leverage) ratio | 9.6949% | 4,019 |
| Tier 1 risk-based capital ratio | 12.3692% | 4,997 |
| Total risk-based capital ratio | 13.0742% | 5,252 |
| Memoranda: |
| Average total assets | $1,939,851,000 | 393 |
| Average earning assets | $1,813,466,500 | 383 |
| Average equity | $176,502,000 | 465 |
| Average total loans | $1,489,221,500 | 350 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6053% | 5,067 |
| Cost of funding earning assets | 0.4013% | 3,674 |
| Net interest margin | 3.2040% | 4,903 |
| Noninterest income to average assets | 0.5766% | 3,013 |
| Noninterest expense to average assets | 1.5733% | 6,257 |
| Loan and lease loss provision to assets | 0.1474% | 1,788 |
| Net operating income to assets | 1.9200% | 380 |
| Return on assets (ROA) | 1.9322% | 384 |
| Pretax return on assets | 1.9322% | 591 |
| Return on Equity (ROE) | 20.8559% | 211 |
| Retained earnings to average equity (ytd only) | 19.2749% | 71 |
| Net charge-offs to loans | 0.0053% | 4,835 |
| Credit loss provision to net charge-offs | 3,572.5806% | 81 |
| Earnings coverage of net charge-offs (x) | 501.0806% | 102 |
| Efficiency ratio | 43.2141% | 6,341 |
| Assets per employee ($millions) | 22.5963% | 43 |
| Cash dividends to net income (ytd only)* | 7.5802% | 4,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6854% | 6,016 |
| Loan loss allowance to noncurrent loans | 281.1091% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 5,271 |
| Noncurrent loans to loans | 0.2438% | 4,957 |
| Net loans and leases to total assets | 75.9806% | 1,270 |
| Net loans and leases to deposits | 95.9808% | 901 |
| Net loans and leases to core deposits | 97.5991% | 1,583 |
| Total domestic deposits to total assets | 79.1623% | 5,217 |
| Equity capital to assets | 9.2626% | 4,990 |
| Core capital (leverage) ratio | 9.3261% | 4,503 |
| Tier 1 risk-based capital ratio | 13.3444% | 4,516 |
| Total risk-based capital ratio | 14.0957% | 4,737 |
| Memoranda: |
| Average total assets | $1,502,715,400 | 463 |
| Average earning assets | $1,437,093,400 | 438 |
| Average equity | $139,222,200 | 523 |
| Average total loans | $1,174,610,200 | 402 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4966% | 5,396 |
| Cost of funding earning assets | 0.3857% | 3,950 |
| Net interest margin | 3.1109% | 5,223 |
| Noninterest income to average assets | 0.4304% | 4,018 |
| Noninterest expense to average assets | 1.6716% | 6,229 |
| Loan and lease loss provision to assets | 0.1813% | 1,355 |
| Net operating income to assets | 1.5668% | 813 |
| Return on assets (ROA) | 1.5747% | 828 |
| Pretax return on assets | 1.5747% | 1,407 |
| Return on Equity (ROE) | 16.9952% | 547 |
| Retained earnings to average equity (ytd only) | 15.9864% | 170 |
| Net charge-offs to loans | 0.0257% | 3,988 |
| Credit loss provision to net charge-offs | 898.1481% | 365 |
| Earnings coverage of net charge-offs (x) | 86.5888% | 653 |
| Efficiency ratio | 48.8807% | 6,164 |
| Assets per employee ($millions) | 19.7761% | 51 |
| Cash dividends to net income (ytd only)* | 5.9358% | 3,687 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6818% | 6,127 |
| Loan loss allowance to noncurrent loans | 1,280.0566% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 5,972 |
| Noncurrent loans to loans | 0.0533% | 5,806 |
| Net loans and leases to total assets | 81.2929% | 578 |
| Net loans and leases to deposits | 113.8843% | 154 |
| Net loans and leases to core deposits | 116.3576% | 494 |
| Total domestic deposits to total assets | 71.3820% | 6,211 |
| Equity capital to assets | 9.2652% | 5,066 |
| Core capital (leverage) ratio | 9.3941% | 4,522 |
| Tier 1 risk-based capital ratio | 12.7941% | 4,981 |
| Total risk-based capital ratio | 13.5547% | 5,221 |
| Memoranda: |
| Average total assets | $1,426,468,000 | 488 |
| Average earning assets | $1,370,725,250 | 459 |
| Average equity | $132,167,750 | 549 |
| Average total loans | $1,122,516,750 | 416 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3371% | 5,741 |
| Cost of funding earning assets | 0.3778% | 4,131 |
| Net interest margin | 2.9593% | 5,610 |
| Noninterest income to average assets | 0.6518% | 2,531 |
| Noninterest expense to average assets | 1.6885% | 6,280 |
| Loan and lease loss provision to assets | 0.0836% | 2,631 |
| Net operating income to assets | 1.7231% | 554 |
| Return on assets (ROA) | 1.7175% | 583 |
| Pretax return on assets | 1.7175% | 982 |
| Return on Equity (ROE) | 18.5364% | 409 |
| Retained earnings to average equity (ytd only) | 16.9509% | 146 |
| Net charge-offs to loans | -0.0095% | 5,310 |
| Credit loss provision to net charge-offs | -1,138.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3104% | 6,277 |
| Assets per employee ($millions) | 18.2438% | 54 |
| Cash dividends to net income (ytd only)* | 8.5536% | 3,494 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6973% | 6,178 |
| Loan loss allowance to noncurrent loans | 464.3483% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 5,802 |
| Noncurrent loans to loans | 0.1502% | 5,561 |
| Net loans and leases to total assets | 77.5252% | 971 |
| Net loans and leases to deposits | 105.8184% | 310 |
| Net loans and leases to core deposits | 108.1018% | 763 |
| Total domestic deposits to total assets | 73.2625% | 6,168 |
| Equity capital to assets | 9.7034% | 4,488 |
| Core capital (leverage) ratio | 9.8057% | 3,876 |
| Tier 1 risk-based capital ratio | 14.3838% | 4,002 |
| Total risk-based capital ratio | 15.1829% | 4,241 |
| Memoranda: |
| Average total assets | $1,361,410,000 | 508 |
| Average earning assets | $1,308,071,670 | 481 |
| Average equity | $126,140,670 | 567 |
| Average total loans | $1,054,245,670 | 433 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1948% | 6,009 |
| Cost of funding earning assets | 0.3998% | 3,968 |
| Net interest margin | 2.7950% | 5,945 |
| Noninterest income to average assets | 0.5654% | 2,947 |
| Noninterest expense to average assets | 1.7827% | 6,241 |
| Loan and lease loss provision to assets | 0.1298% | 1,871 |
| Net operating income to assets | 1.3399% | 1,122 |
| Return on assets (ROA) | 1.3441% | 1,160 |
| Pretax return on assets | 1.3441% | 1,938 |
| Return on Equity (ROE) | 14.8986% | 794 |
| Retained earnings to average equity (ytd only) | 14.8986% | 327 |
| Net charge-offs to loans | -0.0127% | 5,135 |
| Credit loss provision to net charge-offs | -1,331.2500% | 5,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8121% | 5,940 |
| Assets per employee ($millions) | 15.9416% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7292% | 6,230 |
| Loan loss allowance to noncurrent loans | 1,714.5374% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 6,193 |
| Noncurrent loans to loans | 0.0425% | 6,022 |
| Net loans and leases to total assets | 78.2000% | 749 |
| Net loans and leases to deposits | 93.6188% | 828 |
| Net loans and leases to core deposits | 95.7857% | 1,397 |
| Total domestic deposits to total assets | 83.5302% | 4,440 |
| Equity capital to assets | 9.1401% | 4,954 |
| Core capital (leverage) ratio | 9.2721% | 4,615 |
| Tier 1 risk-based capital ratio | 12.8131% | 5,111 |
| Total risk-based capital ratio | 13.6075% | 5,338 |
| Memoranda: |
| Average total assets | $1,312,365,000 | 525 |
| Average earning assets | $1,261,665,500 | 496 |
| Average equity | $118,400,500 | 610 |
| Average total loans | $1,011,656,000 | 447 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5278% | 5,584 |
| Cost of funding earning assets | 0.5907% | 2,751 |
| Net interest margin | 2.9371% | 5,716 |
| Noninterest income to average assets | 1.1597% | 1,048 |
| Noninterest expense to average assets | 2.0956% | 5,839 |
| Loan and lease loss provision to assets | 0.3542% | 888 |
| Net operating income to assets | 1.5559% | 750 |
| Return on assets (ROA) | 1.3376% | 1,200 |
| Pretax return on assets | 1.3376% | 2,017 |
| Return on Equity (ROE) | 14.1091% | 926 |
| Retained earnings to average equity (ytd only) | 14.1091% | 198 |
| Net charge-offs to loans | -0.0143% | 6,079 |
| Credit loss provision to net charge-offs | -3,316.9811% | 6,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3152% | 6,273 |
| Assets per employee ($millions) | 14.5941% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7664% | 6,239 |
| Loan loss allowance to noncurrent loans | 670.2653% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 6,087 |
| Noncurrent loans to loans | 0.1143% | 5,860 |
| Net loans and leases to total assets | 74.7081% | 1,256 |
| Net loans and leases to deposits | 94.1584% | 867 |
| Net loans and leases to core deposits | 97.4537% | 1,348 |
| Total domestic deposits to total assets | 79.3430% | 5,592 |
| Equity capital to assets | 8.8958% | 5,153 |
| Core capital (leverage) ratio | 9.2523% | 4,629 |
| Tier 1 risk-based capital ratio | 12.5668% | 5,247 |
| Total risk-based capital ratio | 13.3510% | 5,497 |
| Memoranda: |
| Average total assets | $992,552,400 | 662 |
| Average earning assets | $961,774,200 | 619 |
| Average equity | $94,095,000 | 746 |
| Average total loans | $742,039,400 | 568 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5353% | 5,607 |
| Cost of funding earning assets | 0.6270% | 2,579 |
| Net interest margin | 2.9082% | 5,798 |
| Noninterest income to average assets | 1.0011% | 1,451 |
| Noninterest expense to average assets | 2.1527% | 5,717 |
| Loan and lease loss provision to assets | 0.3113% | 1,084 |
| Net operating income to assets | 1.3635% | 1,194 |
| Return on assets (ROA) | 1.0828% | 2,155 |
| Pretax return on assets | 1.0828% | 3,180 |
| Return on Equity (ROE) | 11.1847% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.1847% | 543 |
| Net charge-offs to loans | -0.0230% | 6,090 |
| Credit loss provision to net charge-offs | -1,811.7647% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2422% | 5,871 |
| Assets per employee ($millions) | 12.7505% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7706% | 6,329 |
| Loan loss allowance to noncurrent loans | 932.7613% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 6,273 |
| Noncurrent loans to loans | 0.0826% | 6,084 |
| Net loans and leases to total assets | 71.0341% | 1,773 |
| Net loans and leases to deposits | 95.0924% | 756 |
| Net loans and leases to core deposits | 100.4348% | 1,082 |
| Total domestic deposits to total assets | 74.7002% | 6,307 |
| Equity capital to assets | 9.4705% | 4,588 |
| Core capital (leverage) ratio | 9.8833% | 3,842 |
| Tier 1 risk-based capital ratio | 13.9872% | 4,441 |
| Total risk-based capital ratio | 14.7685% | 4,703 |
| Memoranda: |
| Average total assets | $923,268,000 | 717 |
| Average earning assets | $897,333,500 | 665 |
| Average equity | $89,381,500 | 796 |
| Average total loans | $688,577,500 | 611 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4630% | 5,761 |
| Cost of funding earning assets | 0.6445% | 2,547 |
| Net interest margin | 2.8185% | 5,967 |
| Noninterest income to average assets | 1.2728% | 952 |
| Noninterest expense to average assets | 2.1765% | 5,689 |
| Loan and lease loss provision to assets | 0.4567% | 632 |
| Net operating income to assets | 1.3716% | 1,136 |
| Return on assets (ROA) | 1.2259% | 1,629 |
| Pretax return on assets | 1.2259% | 2,573 |
| Return on Equity (ROE) | 12.5492% | 1,347 |
| Retained earnings to average equity (ytd only) | 12.5492% | 427 |
| Net charge-offs to loans | -0.0118% | 5,810 |
| Credit loss provision to net charge-offs | -5,092.3077% | 6,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3466% | 6,116 |
| Assets per employee ($millions) | 13.2511% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7280% | 6,461 |
| Loan loss allowance to noncurrent loans | 936.1111% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 6,318 |
| Noncurrent loans to loans | 0.0778% | 6,162 |
| Net loans and leases to total assets | 77.5687% | 796 |
| Net loans and leases to deposits | 105.8857% | 223 |
| Net loans and leases to core deposits | 113.4203% | 448 |
| Total domestic deposits to total assets | 73.2570% | 6,493 |
| Equity capital to assets | 9.9099% | 4,036 |
| Core capital (leverage) ratio | 10.2746% | 3,131 |
| Tier 1 risk-based capital ratio | 13.1257% | 5,047 |
| Total risk-based capital ratio | 13.8530% | 5,368 |
| Memoranda: |
| Average total assets | $869,759,670 | 762 |
| Average earning assets | $843,079,000 | 712 |
| Average equity | $84,961,670 | 839 |
| Average total loans | $659,489,330 | 635 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5173% | 5,665 |
| Cost of funding earning assets | 0.7147% | 2,096 |
| Net interest margin | 2.8026% | 6,030 |
| Noninterest income to average assets | 1.9573% | 442 |
| Noninterest expense to average assets | 2.4531% | 4,938 |
| Loan and lease loss provision to assets | 0.1148% | 2,797 |
| Net operating income to assets | 2.0991% | 294 |
| Return on assets (ROA) | 2.0602% | 341 |
| Pretax return on assets | 2.0602% | 536 |
| Return on Equity (ROE) | 21.2839% | 226 |
| Retained earnings to average equity (ytd only) | 21.2839% | 108 |
| Net charge-offs to loans | -0.0134% | 5,551 |
| Credit loss provision to net charge-offs | -1,150.0000% | 5,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5623% | 6,345 |
| Assets per employee ($millions) | 12.5756% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6352% | 6,664 |
| Loan loss allowance to noncurrent loans | 4,442.6966% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 6,591 |
| Noncurrent loans to loans | 0.0143% | 6,457 |
| Net loans and leases to total assets | 75.6720% | 880 |
| Net loans and leases to deposits | 86.7234% | 1,276 |
| Net loans and leases to core deposits | 93.0085% | 1,415 |
| Total domestic deposits to total assets | 87.2567% | 2,785 |
| Equity capital to assets | 9.8464% | 4,359 |
| Core capital (leverage) ratio | 9.9810% | 3,412 |
| Tier 1 risk-based capital ratio | 14.7667% | 3,987 |
| Total risk-based capital ratio | 15.4621% | 4,319 |
| Memoranda: |
| Average total assets | $801,098,500 | 837 |
| Average earning assets | $774,580,000 | 791 |
| Average equity | $77,542,000 | 948 |
| Average total loans | $595,779,500 | 695 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6893% | 6,071 |
| Cost of funding earning assets | 0.7784% | 2,844 |
| Net interest margin | 2.9108% | 6,204 |
| Noninterest income to average assets | 1.2706% | 962 |
| Noninterest expense to average assets | 2.7307% | 4,285 |
| Loan and lease loss provision to assets | 0.2202% | 2,934 |
| Net operating income to assets | 1.1090% | 1,914 |
| Return on assets (ROA) | 1.1804% | 1,826 |
| Pretax return on assets | 1.1804% | 2,865 |
| Return on Equity (ROE) | 11.6896% | 1,600 |
| Retained earnings to average equity (ytd only) | 11.6896% | 355 |
| Net charge-offs to loans | 0.4798% | 2,322 |
| Credit loss provision to net charge-offs | 69.1022% | 4,201 |
| Earnings coverage of net charge-offs (x) | 4.1714% | 3,453 |
| Efficiency ratio | 67.2601% | 4,278 |
| Assets per employee ($millions) | 12.4568% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6509% | 6,699 |
| Loan loss allowance to noncurrent loans | 271.9530% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 5,924 |
| Noncurrent loans to loans | 0.2393% | 5,881 |
| Net loans and leases to total assets | 72.0387% | 1,483 |
| Net loans and leases to deposits | 101.6292% | 342 |
| Net loans and leases to core deposits | 110.4925% | 527 |
| Total domestic deposits to total assets | 70.8839% | 6,752 |
| Equity capital to assets | 9.5056% | 4,864 |
| Core capital (leverage) ratio | 11.1452% | 2,131 |
| Tier 1 risk-based capital ratio | 14.6527% | 3,930 |
| Total risk-based capital ratio | 15.3325% | 4,277 |
| Memoranda: |
| Average total assets | $657,150,800 | 1,003 |
| Average earning assets | $629,717,800 | 951 |
| Average equity | $66,358,200 | 1,068 |
| Average total loans | $436,415,400 | 956 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7346% | 6,157 |
| Cost of funding earning assets | 0.8179% | 2,794 |
| Net interest margin | 2.9168% | 6,324 |
| Noninterest income to average assets | 1.1601% | 1,133 |
| Noninterest expense to average assets | 2.8394% | 3,843 |
| Loan and lease loss provision to assets | 0.2188% | 2,871 |
| Net operating income to assets | 0.8914% | 3,031 |
| Return on assets (ROA) | 1.0831% | 2,356 |
| Pretax return on assets | 1.0831% | 3,411 |
| Return on Equity (ROE) | 10.5319% | 2,122 |
| Retained earnings to average equity (ytd only) | 10.5319% | 778 |
| Net charge-offs to loans | 0.7162% | 1,542 |
| Credit loss provision to net charge-offs | 47.3684% | 4,460 |
| Earnings coverage of net charge-offs (x) | 2.4035% | 4,079 |
| Efficiency ratio | 71.8914% | 3,348 |
| Assets per employee ($millions) | 10.1481% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6540% | 6,804 |
| Loan loss allowance to noncurrent loans | 348.2646% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 6,053 |
| Noncurrent loans to loans | 0.1878% | 6,141 |
| Net loans and leases to total assets | 71.7350% | 1,596 |
| Net loans and leases to deposits | 97.1811% | 589 |
| Net loans and leases to core deposits | 105.7334% | 754 |
| Total domestic deposits to total assets | 73.8158% | 6,615 |
| Equity capital to assets | 10.1289% | 4,317 |
| Core capital (leverage) ratio | 11.4119% | 2,046 |
| Tier 1 risk-based capital ratio | 15.3046% | 3,645 |
| Total risk-based capital ratio | 15.9583% | 4,007 |
| Memoranda: |
| Average total assets | $625,243,250 | 1,062 |
| Average earning assets | $597,954,750 | 1,011 |
| Average equity | $64,298,250 | 1,113 |
| Average total loans | $403,256,750 | 1,042 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8180% | 6,099 |
| Cost of funding earning assets | 0.8944% | 2,445 |
| Net interest margin | 2.9236% | 6,391 |
| Noninterest income to average assets | 1.1360% | 1,106 |
| Noninterest expense to average assets | 2.8507% | 3,830 |
| Loan and lease loss provision to assets | 0.3384% | 1,950 |
| Net operating income to assets | 0.7397% | 3,646 |
| Return on assets (ROA) | 0.7423% | 3,915 |
| Pretax return on assets | 0.7423% | 4,694 |
| Return on Equity (ROE) | 7.1781% | 3,682 |
| Retained earnings to average equity (ytd only) | 7.1781% | 2,004 |
| Net charge-offs to loans | 1.0721% | 1,023 |
| Credit loss provision to net charge-offs | 51.2219% | 4,007 |
| Earnings coverage of net charge-offs (x) | 1.6319% | 4,179 |
| Efficiency ratio | 72.5595% | 3,331 |
| Assets per employee ($millions) | 9.0594% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8025% | 6,663 |
| Loan loss allowance to noncurrent loans | 331.9882% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 5,949 |
| Noncurrent loans to loans | 0.2417% | 6,091 |
| Net loans and leases to total assets | 68.6873% | 2,162 |
| Net loans and leases to deposits | 93.2894% | 829 |
| Net loans and leases to core deposits | 102.2046% | 970 |
| Total domestic deposits to total assets | 73.6282% | 6,703 |
| Equity capital to assets | 10.8540% | 3,288 |
| Core capital (leverage) ratio | 12.1060% | 1,550 |
| Tier 1 risk-based capital ratio | 16.9185% | 2,708 |
| Total risk-based capital ratio | 17.7070% | 2,905 |
| Memoranda: |
| Average total assets | $607,015,670 | 1,099 |
| Average earning assets | $579,827,670 | 1,043 |
| Average equity | $62,774,670 | 1,135 |
| Average total loans | $374,023,670 | 1,131 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7193% | 6,408 |
| Cost of funding earning assets | 1.0488% | 1,683 |
| Net interest margin | 2.6705% | 6,808 |
| Noninterest income to average assets | 1.1617% | 1,055 |
| Noninterest expense to average assets | 2.9738% | 3,366 |
| Loan and lease loss provision to assets | 0.2721% | 2,280 |
| Net operating income to assets | 0.4626% | 4,988 |
| Return on assets (ROA) | 0.3604% | 5,612 |
| Pretax return on assets | 0.3604% | 5,832 |
| Return on Equity (ROE) | 3.5739% | 5,472 |
| Retained earnings to average equity (ytd only) | 3.5739% | 4,432 |
| Net charge-offs to loans | 1.8330% | 521 |
| Credit loss provision to net charge-offs | 25.6841% | 3,701 |
| Earnings coverage of net charge-offs (x) | 0.6934% | 3,991 |
| Efficiency ratio | 80.1883% | 2,174 |
| Assets per employee ($millions) | 9.3510% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8510% | 6,639 |
| Loan loss allowance to noncurrent loans | 118.6020% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 5,008 |
| Noncurrent loans to loans | 0.7175% | 5,228 |
| Net loans and leases to total assets | 61.4422% | 3,367 |
| Net loans and leases to deposits | 77.0041% | 2,677 |
| Net loans and leases to core deposits | 95.4015% | 1,343 |
| Total domestic deposits to total assets | 79.7909% | 5,901 |
| Equity capital to assets | 10.2018% | 3,847 |
| Core capital (leverage) ratio | 11.1359% | 2,156 |
| Tier 1 risk-based capital ratio | 15.8184% | 3,270 |
| Total risk-based capital ratio | 16.5456% | 3,516 |
| Memoranda: |
| Average total assets | $607,035,000 | 1,096 |
| Average earning assets | $578,922,000 | 1,047 |
| Average equity | $61,221,500 | 1,161 |
| Average total loans | $350,891,000 | 1,196 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5133% | 6,988 |
| Cost of funding earning assets | 1.3161% | 1,408 |
| Net interest margin | 2.1972% | 7,177 |
| Noninterest income to average assets | 0.5875% | 3,237 |
| Noninterest expense to average assets | 2.7969% | 4,359 |
| Loan and lease loss provision to assets | 0.8803% | 1,101 |
| Net operating income to assets | -1.0406% | 6,756 |
| Return on assets (ROA) | -0.8886% | 6,723 |
| Pretax return on assets | -0.8886% | 6,686 |
| Return on Equity (ROE) | -8.3708% | 6,690 |
| Retained earnings to average equity (ytd only) | -8.3708% | 6,639 |
| Net charge-offs to loans | 1.3134% | 1,258 |
| Credit loss provision to net charge-offs | 133.1702% | 2,282 |
| Earnings coverage of net charge-offs (x) | -0.2426% | 5,981 |
| Efficiency ratio | 106.0821% | 518 |
| Assets per employee ($millions) | 10.0919% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3148% | 4,836 |
| Loan loss allowance to noncurrent loans | 145.7133% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0888% | 4,439 |
| Noncurrent loans to loans | 0.9023% | 4,877 |
| Net loans and leases to total assets | 53.0478% | 5,166 |
| Net loans and leases to deposits | 66.0243% | 4,726 |
| Net loans and leases to core deposits | 82.3460% | 3,131 |
| Total domestic deposits to total assets | 80.3459% | 5,646 |
| Equity capital to assets | 9.9721% | 4,202 |
| Core capital (leverage) ratio | 10.5657% | 2,647 |
| Tier 1 risk-based capital ratio | 16.0732% | 3,003 |
| Total risk-based capital ratio | 17.1306% | 3,070 |
| Memoranda: |
| Average total assets | $587,440,800 | 1,124 |
| Average earning assets | $547,837,400 | 1,086 |
| Average equity | $62,359,600 | 1,081 |
| Average total loans | $295,645,600 | 1,436 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5132% | 7,074 |
| Cost of funding earning assets | 1.3867% | 1,286 |
| Net interest margin | 2.1265% | 7,282 |
| Noninterest income to average assets | 0.6873% | 2,682 |
| Noninterest expense to average assets | 2.9464% | 3,755 |
| Loan and lease loss provision to assets | 1.1560% | 691 |
| Net operating income to assets | -1.4426% | 7,029 |
| Return on assets (ROA) | -1.2375% | 6,990 |
| Pretax return on assets | -1.2375% | 6,953 |
| Return on Equity (ROE) | -11.4732% | 6,933 |
| Retained earnings to average equity (ytd only) | -11.4732% | 6,900 |
| Net charge-offs to loans | 1.8068% | 738 |
| Credit loss provision to net charge-offs | 129.4572% | 2,453 |
| Earnings coverage of net charge-offs (x) | -0.3211% | 5,774 |
| Efficiency ratio | 110.7791% | 416 |
| Assets per employee ($millions) | 9.9157% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3408% | 4,815 |
| Loan loss allowance to noncurrent loans | 55.8164% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 3.0417% | 2,111 |
| Noncurrent loans to loans | 2.4022% | 2,885 |
| Net loans and leases to total assets | 51.1897% | 5,555 |
| Net loans and leases to deposits | 67.1362% | 4,748 |
| Net loans and leases to core deposits | 84.4246% | 2,997 |
| Total domestic deposits to total assets | 76.2476% | 6,500 |
| Equity capital to assets | 9.7855% | 4,644 |
| Core capital (leverage) ratio | 11.0131% | 2,374 |
| Tier 1 risk-based capital ratio | 15.7057% | 3,274 |
| Total risk-based capital ratio | 16.7392% | 3,366 |
| Memoranda: |
| Average total assets | $580,399,250 | 1,140 |
| Average earning assets | $538,340,250 | 1,120 |
| Average equity | $62,602,250 | 1,081 |
| Average total loans | $286,827,750 | 1,503 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4469% | 7,188 |
| Cost of funding earning assets | 1.4867% | 1,048 |
| Net interest margin | 1.9602% | 7,375 |
| Noninterest income to average assets | 1.3061% | 737 |
| Noninterest expense to average assets | 3.5652% | 1,825 |
| Loan and lease loss provision to assets | 0.7972% | 1,157 |
| Net operating income to assets | -1.2477% | 7,016 |
| Return on assets (ROA) | -1.5273% | 7,117 |
| Pretax return on assets | -1.5273% | 7,081 |
| Return on Equity (ROE) | -13.7119% | 7,033 |
| Retained earnings to average equity (ytd only) | -13.7119% | 6,998 |
| Net charge-offs to loans | 1.2778% | 1,216 |
| Credit loss provision to net charge-offs | 128.5070% | 2,376 |
| Earnings coverage of net charge-offs (x) | -0.7262% | 5,582 |
| Efficiency ratio | 114.4636% | 408 |
| Assets per employee ($millions) | 9.1647% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2917% | 5,099 |
| Loan loss allowance to noncurrent loans | 32.4160% | 6,124 |
| Noncurrent assets plus other real estate owned to assets | 5.6838% | 1,022 |
| Noncurrent loans to loans | 3.9848% | 1,742 |
| Net loans and leases to total assets | 48.7853% | 5,974 |
| Net loans and leases to deposits | 62.6723% | 5,428 |
| Net loans and leases to core deposits | 87.2143% | 2,737 |
| Total domestic deposits to total assets | 77.8419% | 6,317 |
| Equity capital to assets | 11.3661% | 2,627 |
| Core capital (leverage) ratio | 11.5271% | 1,895 |
| Tier 1 risk-based capital ratio | 17.4346% | 2,367 |
| Total risk-based capital ratio | 18.3926% | 2,440 |
| Memoranda: |
| Average total assets | $572,247,000 | 1,168 |
| Average earning assets | $528,013,330 | 1,154 |
| Average equity | $63,740,330 | 1,063 |
| Average total loans | $277,826,330 | 1,558 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3887% | 7,273 |
| Cost of funding earning assets | 1.5085% | 1,131 |
| Net interest margin | 1.8802% | 7,435 |
| Noninterest income to average assets | 1.0462% | 1,202 |
| Noninterest expense to average assets | 4.0467% | 979 |
| Loan and lease loss provision to assets | 1.0559% | 706 |
| Net operating income to assets | -2.3191% | 7,321 |
| Return on assets (ROA) | -2.8719% | 7,387 |
| Pretax return on assets | -2.8719% | 7,365 |
| Return on Equity (ROE) | -26.0403% | 7,290 |
| Retained earnings to average equity (ytd only) | -26.0403% | 7,254 |
| Net charge-offs to loans | 0.0402% | 4,550 |
| Credit loss provision to net charge-offs | 5,457.1429% | 68 |
| Earnings coverage of net charge-offs (x) | -65.2857% | 5,094 |
| Efficiency ratio | 145.3823% | 187 |
| Assets per employee ($millions) | 8.2183% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7900% | 3,042 |
| Loan loss allowance to noncurrent loans | 28.4725% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 7.7205% | 632 |
| Noncurrent loans to loans | 6.2868% | 977 |
| Net loans and leases to total assets | 44.1492% | 6,456 |
| Net loans and leases to deposits | 56.3276% | 6,101 |
| Net loans and leases to core deposits | 78.5151% | 3,949 |
| Total domestic deposits to total assets | 78.3793% | 6,322 |
| Equity capital to assets | 11.0270% | 2,661 |
| Core capital (leverage) ratio | 11.4214% | 1,895 |
| Tier 1 risk-based capital ratio | 18.5725% | 1,935 |
| Total risk-based capital ratio | 19.8231% | 1,893 |
| Memoranda: |
| Average total assets | $578,847,000 | 1,161 |
| Average earning assets | $534,835,500 | 1,145 |
| Average equity | $63,839,500 | 1,049 |
| Average total loans | $278,588,500 | 1,571 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6341% | 7,332 |
| Cost of funding earning assets | 1.6428% | 1,859 |
| Net interest margin | 1.9913% | 7,458 |
| Noninterest income to average assets | 1.7918% | 474 |
| Noninterest expense to average assets | 3.1976% | 3,105 |
| Loan and lease loss provision to assets | 0.4725% | 3,301 |
| Net operating income to assets | -0.0204% | 5,881 |
| Return on assets (ROA) | 0.3318% | 4,980 |
| Pretax return on assets | 0.3318% | 5,140 |
| Return on Equity (ROE) | 2.9775% | 4,969 |
| Retained earnings to average equity (ytd only) | 2.9775% | 3,770 |
| Net charge-offs to loans | 1.4297% | 1,553 |
| Credit loss provision to net charge-offs | 71.8168% | 5,816 |
| Earnings coverage of net charge-offs (x) | 0.6871% | 5,424 |
| Efficiency ratio | 87.6143% | 1,510 |
| Assets per employee ($millions) | 7.7714% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0134% | 6,318 |
| Loan loss allowance to noncurrent loans | 18.6042% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 7.0098% | 780 |
| Noncurrent loans to loans | 5.4470% | 1,209 |
| Net loans and leases to total assets | 50.6573% | 6,090 |
| Net loans and leases to deposits | 64.3389% | 5,588 |
| Net loans and leases to core deposits | 86.6677% | 3,232 |
| Total domestic deposits to total assets | 78.7351% | 6,153 |
| Equity capital to assets | 11.0304% | 2,656 |
| Core capital (leverage) ratio | 11.9189% | 1,605 |
| Tier 1 risk-based capital ratio | 19.0191% | 1,716 |
| Total risk-based capital ratio | 19.8589% | 1,783 |
| Memoranda: |
| Average total assets | $587,345,200 | 1,142 |
| Average earning assets | $547,973,200 | 1,107 |
| Average equity | $65,457,600 | 1,023 |
| Average total loans | $270,258,000 | 1,650 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6591% | 7,472 |
| Cost of funding earning assets | 1.6573% | 2,059 |
| Net interest margin | 2.0018% | 7,580 |
| Noninterest income to average assets | 1.7036% | 490 |
| Noninterest expense to average assets | 3.2450% | 2,760 |
| Loan and lease loss provision to assets | 0.3194% | 4,035 |
| Net operating income to assets | 0.0100% | 5,983 |
| Return on assets (ROA) | 0.3398% | 5,186 |
| Pretax return on assets | 0.3398% | 5,397 |
| Return on Equity (ROE) | 3.0416% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.0416% | 4,305 |
| Net charge-offs to loans | 0.9832% | 2,035 |
| Credit loss provision to net charge-offs | 72.6474% | 5,351 |
| Earnings coverage of net charge-offs (x) | 0.7492% | 5,314 |
| Efficiency ratio | 90.7848% | 1,224 |
| Assets per employee ($millions) | 7.3692% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1429% | 5,740 |
| Loan loss allowance to noncurrent loans | 32.1159% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 6.5148% | 870 |
| Noncurrent loans to loans | 3.5587% | 2,204 |
| Net loans and leases to total assets | 55.2262% | 5,665 |
| Net loans and leases to deposits | 71.0806% | 4,982 |
| Net loans and leases to core deposits | 96.7917% | 2,167 |
| Total domestic deposits to total assets | 77.6951% | 6,318 |
| Equity capital to assets | 11.4757% | 2,552 |
| Core capital (leverage) ratio | 11.7255% | 1,803 |
| Tier 1 risk-based capital ratio | 17.1236% | 2,298 |
| Total risk-based capital ratio | 18.0237% | 2,388 |
| Memoranda: |
| Average total assets | $586,524,000 | 1,152 |
| Average earning assets | $548,171,250 | 1,113 |
| Average equity | $65,534,750 | 1,021 |
| Average total loans | $262,257,500 | 1,715 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5722% | 7,583 |
| Cost of funding earning assets | 1.6208% | 2,543 |
| Net interest margin | 1.9514% | 7,654 |
| Noninterest income to average assets | 2.0570% | 341 |
| Noninterest expense to average assets | 3.1520% | 3,086 |
| Loan and lease loss provision to assets | 0.3306% | 3,754 |
| Net operating income to assets | 0.4186% | 4,666 |
| Return on assets (ROA) | 0.1009% | 5,979 |
| Pretax return on assets | 0.1009% | 5,976 |
| Return on Equity (ROE) | 0.9106% | 5,977 |
| Retained earnings to average equity (ytd only) | 0.9106% | 5,401 |
| Net charge-offs to loans | 0.7721% | 2,316 |
| Credit loss provision to net charge-offs | 104.0340% | 3,920 |
| Earnings coverage of net charge-offs (x) | 2.3577% | 3,818 |
| Efficiency ratio | 80.7955% | 2,332 |
| Assets per employee ($millions) | 8.6634% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6614% | 3,218 |
| Loan loss allowance to noncurrent loans | 19.3712% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 6.1478% | 937 |
| Noncurrent loans to loans | 8.5766% | 575 |
| Net loans and leases to total assets | 41.4885% | 7,066 |
| Net loans and leases to deposits | 52.3927% | 6,957 |
| Net loans and leases to core deposits | 67.9907% | 6,055 |
| Total domestic deposits to total assets | 79.1876% | 5,984 |
| Equity capital to assets | 10.7179% | 3,161 |
| Core capital (leverage) ratio | 11.1805% | 2,115 |
| Tier 1 risk-based capital ratio | 18.7415% | 1,780 |
| Total risk-based capital ratio | 19.9014% | 1,767 |
| Memoranda: |
| Average total assets | $592,888,000 | 1,144 |
| Average earning assets | $560,324,000 | 1,091 |
| Average equity | $65,674,000 | 1,014 |
| Average total loans | $244,012,000 | 1,846 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7425% | 7,615 |
| Cost of funding earning assets | 1.6208% | 2,831 |
| Net interest margin | 2.1218% | 7,684 |
| Noninterest income to average assets | 1.3624% | 647 |
| Noninterest expense to average assets | 2.7302% | 4,764 |
| Loan and lease loss provision to assets | 0.2811% | 3,782 |
| Net operating income to assets | 0.3536% | 5,061 |
| Return on assets (ROA) | -0.1667% | 6,580 |
| Pretax return on assets | -0.1667% | 6,526 |
| Return on Equity (ROE) | -1.4802% | 6,574 |
| Retained earnings to average equity (ytd only) | -1.4802% | 6,119 |
| Net charge-offs to loans | 0.4351% | 2,746 |
| Credit loss provision to net charge-offs | 159.0038% | 2,263 |
| Earnings coverage of net charge-offs (x) | 3.5900% | 2,853 |
| Efficiency ratio | 81.1355% | 2,397 |
| Assets per employee ($millions) | 8.2410% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8370% | 2,618 |
| Loan loss allowance to noncurrent loans | 22.3526% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 6.6439% | 843 |
| Noncurrent loans to loans | 8.2183% | 647 |
| Net loans and leases to total assets | 40.4655% | 7,221 |
| Net loans and leases to deposits | 51.8625% | 7,054 |
| Net loans and leases to core deposits | 66.9741% | 6,207 |
| Total domestic deposits to total assets | 78.0246% | 6,310 |
| Equity capital to assets | 11.3733% | 2,448 |
| Core capital (leverage) ratio | 10.1067% | 3,035 |
| Tier 1 risk-based capital ratio | 17.4585% | 2,091 |
| Total risk-based capital ratio | 18.6484% | 2,078 |
| Memoranda: |
| Average total assets | $590,443,000 | 1,174 |
| Average earning assets | $557,272,000 | 1,119 |
| Average equity | $66,476,500 | 1,001 |
| Average total loans | $239,918,500 | 1,927 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4532% | 7,427 |
| Cost of funding earning assets | 2.0446% | 2,744 |
| Net interest margin | 2.4086% | 7,504 |
| Noninterest income to average assets | 1.1104% | 1,244 |
| Noninterest expense to average assets | 3.0081% | 4,112 |
| Loan and lease loss provision to assets | 0.6759% | 3,117 |
| Net operating income to assets | -0.3328% | 6,012 |
| Return on assets (ROA) | -1.3116% | 6,771 |
| Pretax return on assets | -1.3116% | 6,598 |
| Return on Equity (ROE) | -11.7158% | 6,750 |
| Retained earnings to average equity (ytd only) | -14.9172% | 6,883 |
| Net charge-offs to loans | 1.1461% | 2,134 |
| Credit loss provision to net charge-offs | 133.1058% | 3,753 |
| Earnings coverage of net charge-offs (x) | 0.6758% | 5,419 |
| Efficiency ratio | 89.7600% | 1,721 |
| Assets per employee ($millions) | 8.8733% | 366 |
| Cash dividends to net income (ytd only)* | -27.3256% | 7,730 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6917% | 2,918 |
| Loan loss allowance to noncurrent loans | 29.8469% | 6,481 |
| Noncurrent assets plus other real estate owned to assets | 4.7018% | 1,351 |
| Noncurrent loans to loans | 5.6680% | 1,128 |
| Net loans and leases to total assets | 39.4084% | 7,379 |
| Net loans and leases to deposits | 49.9805% | 7,261 |
| Net loans and leases to core deposits | 58.6949% | 7,315 |
| Total domestic deposits to total assets | 78.8474% | 6,024 |
| Equity capital to assets | 11.1524% | 2,577 |
| Core capital (leverage) ratio | 10.7313% | 2,401 |
| Tier 1 risk-based capital ratio | 16.6527% | 2,255 |
| Total risk-based capital ratio | 17.7427% | 2,268 |
| Memoranda: |
| Average total assets | $576,983,200 | 1,205 |
| Average earning assets | $536,778,000 | 1,179 |
| Average equity | $64,596,600 | 1,025 |
| Average total loans | $255,641,400 | 1,860 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7135% | 7,263 |
| Cost of funding earning assets | 2.1840% | 2,483 |
| Net interest margin | 2.5295% | 7,429 |
| Noninterest income to average assets | 1.0126% | 1,554 |
| Noninterest expense to average assets | 2.8170% | 4,821 |
| Loan and lease loss provision to assets | 0.9152% | 2,098 |
| Net operating income to assets | -0.3781% | 6,288 |
| Return on assets (ROA) | -1.2893% | 7,011 |
| Pretax return on assets | -1.2893% | 6,856 |
| Return on Equity (ROE) | -11.5039% | 6,992 |
| Retained earnings to average equity (ytd only) | -15.8340% | 7,178 |
| Net charge-offs to loans | 0.1725% | 5,011 |
| Credit loss provision to net charge-offs | 1,167.6647% | 325 |
| Earnings coverage of net charge-offs (x) | 6.8533% | 2,527 |
| Efficiency ratio | 83.9852% | 2,299 |
| Assets per employee ($millions) | 8.6194% | 413 |
| Cash dividends to net income (ytd only)* | -37.6410% | 7,905 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6611% | 916 |
| Loan loss allowance to noncurrent loans | 63.9257% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 4.3870% | 1,402 |
| Noncurrent loans to loans | 4.1628% | 1,743 |
| Net loans and leases to total assets | 43.3891% | 7,286 |
| Net loans and leases to deposits | 56.1187% | 7,079 |
| Net loans and leases to core deposits | 70.6255% | 6,930 |
| Total domestic deposits to total assets | 77.3167% | 6,263 |
| Equity capital to assets | 11.9651% | 2,260 |
| Core capital (leverage) ratio | 11.6510% | 1,991 |
| Tier 1 risk-based capital ratio | 16.1594% | 2,572 |
| Total risk-based capital ratio | 17.4147% | 2,507 |
| Memoranda: |
| Average total assets | $568,165,000 | 1,230 |
| Average earning assets | $525,937,500 | 1,219 |
| Average equity | $63,675,500 | 1,052 |
| Average total loans | $258,193,750 | 1,871 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9105% | 7,012 |
| Cost of funding earning assets | 2.2705% | 2,490 |
| Net interest margin | 2.6400% | 7,312 |
| Noninterest income to average assets | 0.7674% | 2,604 |
| Noninterest expense to average assets | 2.9571% | 4,267 |
| Loan and lease loss provision to assets | 1.3382% | 1,293 |
| Net operating income to assets | -1.1001% | 7,053 |
| Return on assets (ROA) | -1.4111% | 7,211 |
| Pretax return on assets | -1.4111% | 7,041 |
| Return on Equity (ROE) | -12.8818% | 7,222 |
| Retained earnings to average equity (ytd only) | -19.5301% | 7,438 |
| Net charge-offs to loans | 0.2302% | 4,059 |
| Credit loss provision to net charge-offs | 1,270.9030% | 388 |
| Earnings coverage of net charge-offs (x) | 2.2609% | 3,939 |
| Efficiency ratio | 92.5493% | 1,601 |
| Assets per employee ($millions) | 9.3394% | 317 |
| Cash dividends to net income (ytd only)* | -51.6097% | 8,007 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6470% | 788 |
| Loan loss allowance to noncurrent loans | 69.2898% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 4.3656% | 1,310 |
| Noncurrent loans to loans | 3.8203% | 1,789 |
| Net loans and leases to total assets | 43.8623% | 7,339 |
| Net loans and leases to deposits | 55.8307% | 7,178 |
| Net loans and leases to core deposits | 68.3975% | 7,101 |
| Total domestic deposits to total assets | 78.5629% | 5,935 |
| Equity capital to assets | 10.4006% | 3,514 |
| Core capital (leverage) ratio | 9.8213% | 3,490 |
| Tier 1 risk-based capital ratio | 15.6047% | 2,765 |
| Total risk-based capital ratio | 16.8619% | 2,696 |
| Memoranda: |
| Average total assets | $567,926,670 | 1,247 |
| Average earning assets | $522,267,330 | 1,242 |
| Average equity | $62,211,670 | 1,094 |
| Average total loans | $259,731,670 | 1,888 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1135% | 6,608 |
| Cost of funding earning assets | 2.2461% | 2,933 |
| Net interest margin | 2.8674% | 6,841 |
| Noninterest income to average assets | 0.8781% | 1,939 |
| Noninterest expense to average assets | 1.9338% | 7,484 |
| Loan and lease loss provision to assets | 1.0495% | 1,244 |
| Net operating income to assets | 0.4975% | 4,431 |
| Return on assets (ROA) | -0.1203% | 6,552 |
| Pretax return on assets | -0.1203% | 6,495 |
| Return on Equity (ROE) | -1.0720% | 6,550 |
| Retained earnings to average equity (ytd only) | -1.0720% | 5,905 |
| Net charge-offs to loans | 0.2096% | 3,383 |
| Credit loss provision to net charge-offs | 1,086.9565% | 577 |
| Earnings coverage of net charge-offs (x) | 16.0217% | 1,572 |
| Efficiency ratio | 55.5578% | 7,024 |
| Assets per employee ($millions) | 11.2585% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7199% | 2,073 |
| Loan loss allowance to noncurrent loans | 52.6048% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 4.5663% | 1,048 |
| Noncurrent loans to loans | 3.2695% | 1,969 |
| Net loans and leases to total assets | 47.0676% | 7,101 |
| Net loans and leases to deposits | 62.2281% | 6,720 |
| Net loans and leases to core deposits | 72.6719% | 6,879 |
| Total domestic deposits to total assets | 75.6373% | 6,581 |
| Equity capital to assets | 11.6135% | 2,513 |
| Core capital (leverage) ratio | 11.2100% | 2,330 |
| Tier 1 risk-based capital ratio | 16.2630% | 2,590 |
| Total risk-based capital ratio | 17.4383% | 2,561 |
| Memoranda: |
| Average total assets | $571,709,500 | 1,243 |
| Average earning assets | $518,935,500 | 1,252 |
| Average equity | $64,177,000 | 1,062 |
| Average total loans | $263,362,500 | 1,882 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2228% | 4,403 |
| Cost of funding earning assets | 2.8612% | 2,438 |
| Net interest margin | 3.3617% | 5,812 |
| Noninterest income to average assets | 0.4749% | 4,840 |
| Noninterest expense to average assets | 2.0046% | 7,432 |
| Loan and lease loss provision to assets | 0.6074% | 2,396 |
| Net operating income to assets | 0.9932% | 2,585 |
| Return on assets (ROA) | 0.7985% | 3,278 |
| Pretax return on assets | 0.7985% | 4,082 |
| Return on Equity (ROE) | 8.4090% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.4090% | 730 |
| Net charge-offs to loans | 1.1745% | 1,034 |
| Credit loss provision to net charge-offs | 105.6338% | 5,070 |
| Earnings coverage of net charge-offs (x) | 2.7836% | 4,699 |
| Efficiency ratio | 55.6032% | 7,073 |
| Assets per employee ($millions) | 13.1501% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2121% | 4,440 |
| Loan loss allowance to noncurrent loans | 20.8765% | 7,197 |
| Noncurrent assets plus other real estate owned to assets | 4.1450% | 967 |
| Noncurrent loans to loans | 5.8059% | 646 |
| Net loans and leases to total assets | 43.8262% | 7,485 |
| Net loans and leases to deposits | 63.4856% | 6,845 |
| Net loans and leases to core deposits | 70.8905% | 7,139 |
| Total domestic deposits to total assets | 69.0334% | 7,384 |
| Equity capital to assets | 10.8637% | 3,153 |
| Core capital (leverage) ratio | 11.0560% | 2,547 |
| Tier 1 risk-based capital ratio | 19.5404% | 1,698 |
| Total risk-based capital ratio | 20.5270% | 1,711 |
| Memoranda: |
| Average total assets | $543,300,000 | 1,251 |
| Average earning assets | $505,910,000 | 1,216 |
| Average equity | $51,587,800 | 1,308 |
| Average total loans | $265,993,800 | 1,797 |
