| 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 | 7.3006% | 285 |
| Cost of funding earning assets | 0.2374% | 4,371 |
| Net interest margin | 7.0632% | 44 |
| Noninterest income to average assets | 4.1900% | 162 |
| Noninterest expense to average assets | 6.8506% | 152 |
| Loan and lease loss provision to assets | 0.5900% | 164 |
| Net operating income to assets | 2.5013% | 220 |
| Return on assets (ROA) | 2.3098% | 265 |
| Pretax return on assets | 2.7172% | 242 |
| Return on Equity (ROE) | 22.0000% | 289 |
| Retained earnings to average equity (ytd only) | 6.9165% | 1,453 |
| Net charge-offs to loans | 1.0816% | 138 |
| Credit loss provision to net charge-offs | 90.3248% | 2,030 |
| Earnings coverage of net charge-offs (x) | 5.4024% | 2,582 |
| Efficiency ratio | 65.5023% | 2,543 |
| Assets per employee ($millions) | 6.5101% | 2,498 |
| Cash dividends to net income (ytd only)* | 68.5672% | 873 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0566% | 2,917 |
| Loan loss allowance to noncurrent loans | 139.1036% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 1,457 |
| Noncurrent loans to loans | 0.7596% | 1,308 |
| Net loans and leases to total assets | 60.2100% | 2,921 |
| Net loans and leases to deposits | 70.3142% | 2,928 |
| Net loans and leases to core deposits | 70.9203% | 3,313 |
| Total domestic deposits to total assets | 85.6300% | 2,330 |
| Equity capital to assets | 10.6225% | 1,765 |
| Core capital (leverage) ratio | 9.4182% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1035% | 1,826 |
| Memoranda: |
| Average total assets | $7,608,369,000 | 205 |
| Average earning assets | $6,666,667,000 | 207 |
| Average equity | $798,672,600 | 204 |
| Average total loans | $4,594,491,200 | 221 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3498% | 271 |
| Cost of funding earning assets | 0.2676% | 4,403 |
| Net interest margin | 7.0822% | 45 |
| Noninterest income to average assets | 4.3100% | 144 |
| Noninterest expense to average assets | 6.9768% | 143 |
| Loan and lease loss provision to assets | 0.5700% | 143 |
| Net operating income to assets | 2.5372% | 222 |
| Return on assets (ROA) | 2.5196% | 224 |
| Pretax return on assets | 2.9503% | 206 |
| Return on Equity (ROE) | 24.0700% | 228 |
| Retained earnings to average equity (ytd only) | 12.5176% | 445 |
| Net charge-offs to loans | 1.1960% | 114 |
| Credit loss provision to net charge-offs | 79.4533% | 1,850 |
| Earnings coverage of net charge-offs (x) | 4.9142% | 2,411 |
| Efficiency ratio | 65.8012% | 2,511 |
| Assets per employee ($millions) | 6.0778% | 2,804 |
| Cash dividends to net income (ytd only)* | 48.0040% | 1,449 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9516% | 3,472 |
| Loan loss allowance to noncurrent loans | 109.0778% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 1,260 |
| Noncurrent loans to loans | 0.8724% | 1,154 |
| Net loans and leases to total assets | 62.5600% | 2,674 |
| Net loans and leases to deposits | 80.2914% | 2,151 |
| Net loans and leases to core deposits | 81.4858% | 2,720 |
| Total domestic deposits to total assets | 77.9200% | 3,737 |
| Equity capital to assets | 11.4832% | 1,488 |
| Core capital (leverage) ratio | 9.4420% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9665% | 1,907 |
| Memoranda: |
| Average total assets | $7,606,243,000 | 203 |
| Average earning assets | $6,666,062,750 | 207 |
| Average equity | $796,066,000 | 204 |
| Average total loans | $4,584,281,750 | 220 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3618% | 259 |
| Cost of funding earning assets | 0.3054% | 4,404 |
| Net interest margin | 7.0564% | 49 |
| Noninterest income to average assets | 5.1000% | 137 |
| Noninterest expense to average assets | 7.0030% | 144 |
| Loan and lease loss provision to assets | 0.8400% | 87 |
| Net operating income to assets | 2.9150% | 158 |
| Return on assets (ROA) | 2.9023% | 165 |
| Pretax return on assets | 3.4364% | 156 |
| Return on Equity (ROE) | 28.6500% | 145 |
| Retained earnings to average equity (ytd only) | 15.1898% | 277 |
| Net charge-offs to loans | 0.2429% | 459 |
| Credit loss provision to net charge-offs | 574.0855% | 582 |
| Earnings coverage of net charge-offs (x) | 29.7503% | 1,393 |
| Efficiency ratio | 61.5143% | 3,046 |
| Assets per employee ($millions) | 6.1102% | 2,706 |
| Cash dividends to net income (ytd only)* | 46.9793% | 1,564 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7199% | 643 |
| Loan loss allowance to noncurrent loans | 178.8922% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 1,103 |
| Noncurrent loans to loans | 0.9614% | 979 |
| Net loans and leases to total assets | 60.6000% | 2,901 |
| Net loans and leases to deposits | 70.8964% | 2,919 |
| Net loans and leases to core deposits | 72.0972% | 3,267 |
| Total domestic deposits to total assets | 85.4800% | 2,155 |
| Equity capital to assets | 10.5672% | 1,771 |
| Core capital (leverage) ratio | 9.3613% | 3,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2729% | 1,788 |
| Memoranda: |
| Average total assets | $7,627,491,333 | 204 |
| Average earning assets | $6,688,082,667 | 205 |
| Average equity | $772,714,667 | 205 |
| Average total loans | $4,524,354,000 | 222 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.7063% | 195 |
| Cost of funding earning assets | 0.4630% | 4,379 |
| Net interest margin | 7.2434% | 39 |
| Noninterest income to average assets | 6.7100% | 108 |
| Noninterest expense to average assets | 7.4526% | 140 |
| Loan and lease loss provision to assets | 1.3600% | 49 |
| Net operating income to assets | 3.4588% | 122 |
| Return on assets (ROA) | 3.4451% | 122 |
| Pretax return on assets | 4.2394% | 109 |
| Return on Equity (ROE) | 34.7400% | 97 |
| Retained earnings to average equity (ytd only) | 14.7756% | 448 |
| Net charge-offs to loans | -0.0974% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 56.5549% | 3,553 |
| Assets per employee ($millions) | 6.1753% | 2,701 |
| Cash dividends to net income (ytd only)* | 57.4687% | 1,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8212% | 535 |
| Loan loss allowance to noncurrent loans | 234.8442% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4999% | 1,268 |
| Noncurrent loans to loans | 0.7755% | 1,143 |
| Net loans and leases to total assets | 58.5700% | 3,008 |
| Net loans and leases to deposits | 68.3093% | 3,029 |
| Net loans and leases to core deposits | 70.2794% | 3,325 |
| Total domestic deposits to total assets | 85.7400% | 2,179 |
| Equity capital to assets | 10.3069% | 1,831 |
| Core capital (leverage) ratio | 7.9175% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0853% | 1,842 |
| Memoranda: |
| Average total assets | $7,677,380,500 | 206 |
| Average earning assets | $6,733,950,500 | 208 |
| Average equity | $761,336,500 | 213 |
| Average total loans | $4,465,565,000 | 228 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9290% | 241 |
| Cost of funding earning assets | 0.2070% | 4,439 |
| Net interest margin | 6.7220% | 66 |
| Noninterest income to average assets | 4.1600% | 143 |
| Noninterest expense to average assets | 6.6899% | 150 |
| Loan and lease loss provision to assets | 0.7900% | 91 |
| Net operating income to assets | 2.3039% | 300 |
| Return on assets (ROA) | 2.2796% | 301 |
| Pretax return on assets | 2.5051% | 337 |
| Return on Equity (ROE) | 23.4400% | 378 |
| Retained earnings to average equity (ytd only) | 7.2146% | 1,824 |
| Net charge-offs to loans | 1.3731% | 70 |
| Credit loss provision to net charge-offs | 102.1320% | 1,816 |
| Earnings coverage of net charge-offs (x) | 4.3208% | 2,596 |
| Efficiency ratio | 66.2037% | 2,329 |
| Assets per employee ($millions) | 6.5022% | 2,416 |
| Cash dividends to net income (ytd only)* | 69.2237% | 868 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1963% | 2,320 |
| Loan loss allowance to noncurrent loans | 135.8379% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 1,045 |
| Noncurrent loans to loans | 0.8807% | 859 |
| Net loans and leases to total assets | 56.0900% | 3,184 |
| Net loans and leases to deposits | 64.0356% | 3,287 |
| Net loans and leases to core deposits | 65.9341% | 3,502 |
| Total domestic deposits to total assets | 87.5900% | 1,490 |
| Equity capital to assets | 9.5502% | 2,315 |
| Core capital (leverage) ratio | 8.1455% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0134% | 2,240 |
| Memoranda: |
| Average total assets | $7,287,512,400 | 207 |
| Average earning assets | $6,337,936,400 | 211 |
| Average equity | $708,674,800 | 212 |
| Average total loans | $4,075,443,600 | 234 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9173% | 210 |
| Cost of funding earning assets | 0.1712% | 4,463 |
| Net interest margin | 6.7462% | 61 |
| Noninterest income to average assets | 4.6900% | 131 |
| Noninterest expense to average assets | 6.8404% | 149 |
| Loan and lease loss provision to assets | 0.8900% | 74 |
| Net operating income to assets | 2.6074% | 240 |
| Return on assets (ROA) | 2.5779% | 240 |
| Pretax return on assets | 2.7783% | 287 |
| Return on Equity (ROE) | 26.3800% | 336 |
| Retained earnings to average equity (ytd only) | 7.8166% | 2,032 |
| Net charge-offs to loans | 1.6949% | 45 |
| Credit loss provision to net charge-offs | 94.2800% | 1,668 |
| Earnings coverage of net charge-offs (x) | 3.9173% | 2,425 |
| Efficiency ratio | 64.2535% | 2,467 |
| Assets per employee ($millions) | 6.3128% | 2,485 |
| Cash dividends to net income (ytd only)* | 70.3674% | 649 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1185% | 2,772 |
| Loan loss allowance to noncurrent loans | 88.4242% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 722 |
| Noncurrent loans to loans | 1.2649% | 607 |
| Net loans and leases to total assets | 58.3500% | 3,000 |
| Net loans and leases to deposits | 66.6735% | 3,077 |
| Net loans and leases to core deposits | 67.3819% | 3,356 |
| Total domestic deposits to total assets | 87.5100% | 1,735 |
| Equity capital to assets | 9.0235% | 2,401 |
| Core capital (leverage) ratio | 8.3234% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7602% | 2,364 |
| Memoranda: |
| Average total assets | $7,129,472,500 | 211 |
| Average earning assets | $6,178,844,000 | 216 |
| Average equity | $696,757,750 | 215 |
| Average total loans | $3,970,354,750 | 242 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8924% | 189 |
| Cost of funding earning assets | 0.1288% | 4,497 |
| Net interest margin | 6.7636% | 62 |
| Noninterest income to average assets | 5.5600% | 114 |
| Noninterest expense to average assets | 7.0158% | 147 |
| Loan and lease loss provision to assets | 1.1000% | 59 |
| Net operating income to assets | 2.9336% | 160 |
| Return on assets (ROA) | 2.9043% | 162 |
| Pretax return on assets | 3.2594% | 171 |
| Return on Equity (ROE) | 28.9200% | 240 |
| Retained earnings to average equity (ytd only) | 6.5730% | 2,427 |
| Net charge-offs to loans | 0.4823% | 170 |
| Credit loss provision to net charge-offs | 418.9818% | 713 |
| Earnings coverage of net charge-offs (x) | 16.7036% | 1,822 |
| Efficiency ratio | 60.8578% | 2,857 |
| Assets per employee ($millions) | 6.2871% | 2,476 |
| Cash dividends to net income (ytd only)* | 77.2737% | 596 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9690% | 440 |
| Loan loss allowance to noncurrent loans | 211.1292% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 991 |
| Noncurrent loans to loans | 0.9326% | 819 |
| Net loans and leases to total assets | 54.6900% | 3,220 |
| Net loans and leases to deposits | 64.6482% | 3,150 |
| Net loans and leases to core deposits | 65.4203% | 3,382 |
| Total domestic deposits to total assets | 84.6000% | 2,662 |
| Equity capital to assets | 9.5133% | 2,151 |
| Core capital (leverage) ratio | 8.6668% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4220% | 2,125 |
| Memoranda: |
| Average total assets | $6,995,577,667 | 207 |
| Average earning assets | $6,045,892,333 | 217 |
| Average equity | $702,484,667 | 209 |
| Average total loans | $3,812,508,000 | 242 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3451% | 89 |
| Cost of funding earning assets | 0.1829% | 4,406 |
| Net interest margin | 7.1622% | 42 |
| Noninterest income to average assets | 7.5100% | 104 |
| Noninterest expense to average assets | 7.6255% | 139 |
| Loan and lease loss provision to assets | 2.1700% | 26 |
| Net operating income to assets | 3.3272% | 130 |
| Return on assets (ROA) | 3.2975% | 130 |
| Pretax return on assets | 3.8400% | 115 |
| Return on Equity (ROE) | 31.9100% | 200 |
| Retained earnings to average equity (ytd only) | -0.4183% | 4,074 |
| Net charge-offs to loans | 0.5469% | 149 |
| Credit loss provision to net charge-offs | 737.4271% | 444 |
| Earnings coverage of net charge-offs (x) | 20.5421% | 1,446 |
| Efficiency ratio | 55.1697% | 3,490 |
| Assets per employee ($millions) | 5.9013% | 2,843 |
| Cash dividends to net income (ytd only)* | 101.3108% | 435 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2479% | 302 |
| Loan loss allowance to noncurrent loans | 295.5339% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 1,179 |
| Noncurrent loans to loans | 0.7606% | 1,012 |
| Net loans and leases to total assets | 53.3700% | 3,243 |
| Net loans and leases to deposits | 62.0820% | 3,221 |
| Net loans and leases to core deposits | 63.0994% | 3,384 |
| Total domestic deposits to total assets | 85.9700% | 2,599 |
| Equity capital to assets | 10.2722% | 1,681 |
| Core capital (leverage) ratio | 7.7876% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0324% | 1,966 |
| Memoranda: |
| Average total assets | $6,765,095,000 | 220 |
| Average earning assets | $5,818,591,000 | 232 |
| Average equity | $699,046,000 | 214 |
| Average total loans | $3,638,637,000 | 257 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5591% | 143 |
| Cost of funding earning assets | 0.0184% | 4,628 |
| Net interest margin | 5.5407% | 81 |
| Noninterest income to average assets | 3.9800% | 146 |
| Noninterest expense to average assets | 5.9951% | 162 |
| Loan and lease loss provision to assets | 0.5500% | 107 |
| Net operating income to assets | 1.9089% | 347 |
| Return on assets (ROA) | 1.8180% | 406 |
| Pretax return on assets | 2.1253% | 362 |
| Return on Equity (ROE) | 16.3000% | 996 |
| Retained earnings to average equity (ytd only) | -2.6201% | 4,508 |
| Net charge-offs to loans | 1.4541% | 49 |
| Credit loss provision to net charge-offs | 71.7913% | 1,718 |
| Earnings coverage of net charge-offs (x) | 3.6056% | 2,460 |
| Efficiency ratio | 67.3276% | 2,044 |
| Assets per employee ($millions) | 5.7922% | 2,953 |
| Cash dividends to net income (ytd only)* | 116.0704% | 129 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4912% | 1,229 |
| Loan loss allowance to noncurrent loans | 128.7410% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 726 |
| Noncurrent loans to loans | 1.1583% | 608 |
| Net loans and leases to total assets | 52.1600% | 3,346 |
| Net loans and leases to deposits | 59.9935% | 3,324 |
| Net loans and leases to core deposits | 60.8494% | 3,461 |
| Total domestic deposits to total assets | 86.9400% | 2,410 |
| Equity capital to assets | 10.3960% | 1,502 |
| Core capital (leverage) ratio | 8.6774% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2890% | 1,853 |
| Memoranda: |
| Average total assets | $6,928,428,600 | 216 |
| Average earning assets | $5,993,239,000 | 219 |
| Average equity | $772,573,400 | 199 |
| Average total loans | $3,664,486,800 | 243 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4017% | 126 |
| Cost of funding earning assets | 0.0154% | 4,668 |
| Net interest margin | 5.3863% | 87 |
| Noninterest income to average assets | 3.9900% | 150 |
| Noninterest expense to average assets | 5.8773% | 172 |
| Loan and lease loss provision to assets | 0.5400% | 92 |
| Net operating income to assets | 1.9598% | 305 |
| Return on assets (ROA) | 1.8501% | 374 |
| Pretax return on assets | 2.1306% | 359 |
| Return on Equity (ROE) | 16.3300% | 915 |
| Retained earnings to average equity (ytd only) | -6.0779% | 4,626 |
| Net charge-offs to loans | 1.8047% | 28 |
| Credit loss provision to net charge-offs | 56.7069% | 1,502 |
| Earnings coverage of net charge-offs (x) | 2.9222% | 2,227 |
| Efficiency ratio | 66.6997% | 2,194 |
| Assets per employee ($millions) | 5.9115% | 2,837 |
| Cash dividends to net income (ytd only)* | 137.2220% | 96 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2916% | 2,071 |
| Loan loss allowance to noncurrent loans | 157.4444% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 1,178 |
| Noncurrent loans to loans | 0.8204% | 970 |
| Net loans and leases to total assets | 52.0600% | 3,270 |
| Net loans and leases to deposits | 59.7265% | 3,221 |
| Net loans and leases to core deposits | 60.6549% | 3,336 |
| Total domestic deposits to total assets | 87.1600% | 2,708 |
| Equity capital to assets | 9.8621% | 1,684 |
| Core capital (leverage) ratio | 8.1938% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5661% | 2,233 |
| Memoranda: |
| Average total assets | $6,995,275,500 | 213 |
| Average earning assets | $6,066,301,250 | 216 |
| Average equity | $792,596,500 | 193 |
| Average total loans | $3,698,889,000 | 238 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2974% | 117 |
| Cost of funding earning assets | 0.0153% | 4,729 |
| Net interest margin | 5.2820% | 86 |
| Noninterest income to average assets | 4.6520% | 105 |
| Noninterest expense to average assets | 5.7404% | 139 |
| Loan and lease loss provision to assets | 0.8758% | 50 |
| Net operating income to assets | 2.2009% | 159 |
| Return on assets (ROA) | 2.1067% | 183 |
| Pretax return on assets | 2.5298% | 161 |
| Return on Equity (ROE) | 17.8586% | 487 |
| Retained earnings to average equity (ytd only) | -10.9297% | 4,677 |
| Net charge-offs to loans | 1.2505% | 48 |
| Credit loss provision to net charge-offs | 132.3742% | 1,149 |
| Earnings coverage of net charge-offs (x) | 5.2968% | 1,932 |
| Efficiency ratio | 60.9561% | 3,181 |
| Assets per employee ($millions) | 5.7123% | 3,013 |
| Cash dividends to net income (ytd only)* | 161.2016% | 125 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0022% | 550 |
| Loan loss allowance to noncurrent loans | 282.4745% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 1,415 |
| Noncurrent loans to loans | 0.7088% | 1,217 |
| Net loans and leases to total assets | 54.7016% | 2,889 |
| Net loans and leases to deposits | 64.4380% | 2,679 |
| Net loans and leases to core deposits | 65.6283% | 2,849 |
| Total domestic deposits to total assets | 84.8902% | 3,503 |
| Equity capital to assets | 10.9579% | 1,230 |
| Core capital (leverage) ratio | 8.2164% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4323% | 2,322 |
| Memoranda: |
| Average total assets | $7,078,685,667 | 209 |
| Average earning assets | $6,156,182,667 | 217 |
| Average equity | $835,061,333 | 185 |
| Average total loans | $3,746,060,000 | 231 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5048% | 92 |
| Cost of funding earning assets | 0.0171% | 4,740 |
| Net interest margin | 5.4876% | 72 |
| Noninterest income to average assets | 6.1287% | 82 |
| Noninterest expense to average assets | 5.7818% | 131 |
| Loan and lease loss provision to assets | 1.7813% | 20 |
| Net operating income to assets | 2.9051% | 82 |
| Return on assets (ROA) | 2.7925% | 86 |
| Pretax return on assets | 3.2338% | 87 |
| Return on Equity (ROE) | 22.9160% | 127 |
| Retained earnings to average equity (ytd only) | 3.4569% | 3,135 |
| Net charge-offs to loans | 1.2003% | 58 |
| Credit loss provision to net charge-offs | 286.4333% | 679 |
| Earnings coverage of net charge-offs (x) | 8.2988% | 1,517 |
| Efficiency ratio | 51.8547% | 4,209 |
| Assets per employee ($millions) | 5.9052% | 2,889 |
| Cash dividends to net income (ytd only)* | 84.9148% | 649 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3541% | 340 |
| Loan loss allowance to noncurrent loans | 247.0621% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 1,084 |
| Noncurrent loans to loans | 0.9528% | 957 |
| Net loans and leases to total assets | 53.2994% | 2,846 |
| Net loans and leases to deposits | 62.9747% | 2,630 |
| Net loans and leases to core deposits | 64.1589% | 2,784 |
| Total domestic deposits to total assets | 84.6363% | 3,626 |
| Equity capital to assets | 12.3732% | 839 |
| Core capital (leverage) ratio | 7.7883% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5196% | 1,984 |
| Memoranda: |
| Average total assets | $7,253,472,500 | 206 |
| Average earning assets | $6,332,201,000 | 217 |
| Average equity | $883,907,000 | 182 |
| Average total loans | $3,741,021,500 | 230 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4092% | 708 |
| Cost of funding earning assets | 0.0184% | 4,777 |
| Net interest margin | 4.3908% | 343 |
| Noninterest income to average assets | 4.1232% | 133 |
| Noninterest expense to average assets | 4.6848% | 197 |
| Loan and lease loss provision to assets | 0.5707% | 93 |
| Net operating income to assets | 2.4553% | 169 |
| Return on assets (ROA) | 2.3534% | 196 |
| Pretax return on assets | 2.6272% | 218 |
| Return on Equity (ROE) | 19.4144% | 346 |
| Retained earnings to average equity (ytd only) | 3.6886% | 3,347 |
| Net charge-offs to loans | 1.3380% | 44 |
| Credit loss provision to net charge-offs | 90.2523% | 1,878 |
| Earnings coverage of net charge-offs (x) | 5.1962% | 2,461 |
| Efficiency ratio | 57.3134% | 3,543 |
| Assets per employee ($millions) | 6.6803% | 2,173 |
| Cash dividends to net income (ytd only)* | 81.0005% | 483 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8176% | 835 |
| Loan loss allowance to noncurrent loans | 156.5746% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 1,141 |
| Noncurrent loans to loans | 1.1609% | 828 |
| Net loans and leases to total assets | 47.9650% | 3,495 |
| Net loans and leases to deposits | 55.9437% | 3,421 |
| Net loans and leases to core deposits | 57.1887% | 3,537 |
| Total domestic deposits to total assets | 85.7379% | 3,000 |
| Equity capital to assets | 12.0166% | 1,245 |
| Core capital (leverage) ratio | 8.5201% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1595% | 2,181 |
| Memoranda: |
| Average total assets | $7,685,315,400 | 192 |
| Average earning assets | $6,771,571,200 | 194 |
| Average equity | $931,594,000 | 178 |
| Average total loans | $3,655,655,200 | 233 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3831% | 833 |
| Cost of funding earning assets | 0.0208% | 4,854 |
| Net interest margin | 4.3624% | 395 |
| Noninterest income to average assets | 3.9549% | 144 |
| Noninterest expense to average assets | 4.7726% | 195 |
| Loan and lease loss provision to assets | 0.7560% | 61 |
| Net operating income to assets | 2.1524% | 350 |
| Return on assets (ROA) | 2.0473% | 453 |
| Pretax return on assets | 2.1646% | 591 |
| Return on Equity (ROE) | 16.8537% | 785 |
| Retained earnings to average equity (ytd only) | 9.6579% | 1,427 |
| Net charge-offs to loans | 1.7505% | 32 |
| Credit loss provision to net charge-offs | 91.4028% | 1,655 |
| Earnings coverage of net charge-offs (x) | 3.6617% | 2,301 |
| Efficiency ratio | 59.7283% | 3,018 |
| Assets per employee ($millions) | 5.9531% | 2,739 |
| Cash dividends to net income (ytd only)* | 42.6957% | 1,497 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8627% | 822 |
| Loan loss allowance to noncurrent loans | 122.2425% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 774 |
| Noncurrent loans to loans | 1.5238% | 682 |
| Net loans and leases to total assets | 53.7637% | 2,995 |
| Net loans and leases to deposits | 65.1917% | 2,713 |
| Net loans and leases to core deposits | 69.8371% | 2,610 |
| Total domestic deposits to total assets | 82.4701% | 3,830 |
| Equity capital to assets | 14.2787% | 677 |
| Core capital (leverage) ratio | 8.6925% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3813% | 1,836 |
| Memoranda: |
| Average total assets | $7,702,745,250 | 189 |
| Average earning assets | $6,791,391,750 | 195 |
| Average equity | $935,708,500 | 180 |
| Average total loans | $3,639,458,250 | 235 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1873% | 1,211 |
| Cost of funding earning assets | 0.0234% | 4,890 |
| Net interest margin | 4.1639% | 620 |
| Noninterest income to average assets | 4.3721% | 129 |
| Noninterest expense to average assets | 4.4864% | 223 |
| Loan and lease loss provision to assets | 0.8682% | 47 |
| Net operating income to assets | 2.5998% | 193 |
| Return on assets (ROA) | 2.5495% | 219 |
| Pretax return on assets | 2.6559% | 278 |
| Return on Equity (ROE) | 22.0612% | 309 |
| Retained earnings to average equity (ytd only) | 14.9578% | 437 |
| Net charge-offs to loans | 0.8830% | 92 |
| Credit loss provision to net charge-offs | 217.3986% | 1,015 |
| Earnings coverage of net charge-offs (x) | 8.9639% | 1,856 |
| Efficiency ratio | 54.1848% | 3,776 |
| Assets per employee ($millions) | 6.3616% | 2,272 |
| Cash dividends to net income (ytd only)* | 32.1986% | 1,957 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5445% | 264 |
| Loan loss allowance to noncurrent loans | 217.6438% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 1,332 |
| Noncurrent loans to loans | 1.1691% | 1,037 |
| Net loans and leases to total assets | 49.5163% | 3,605 |
| Net loans and leases to deposits | 59.2916% | 3,445 |
| Net loans and leases to core deposits | 63.3301% | 3,351 |
| Total domestic deposits to total assets | 83.5133% | 3,568 |
| Equity capital to assets | 13.6749% | 790 |
| Core capital (leverage) ratio | 7.8265% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2225% | 1,556 |
| Memoranda: |
| Average total assets | $8,039,901,667 | 184 |
| Average earning assets | $7,122,451,667 | 186 |
| Average equity | $929,135,333 | 179 |
| Average total loans | $3,630,692,000 | 238 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0665% | 1,470 |
| Cost of funding earning assets | 0.0301% | 4,918 |
| Net interest margin | 4.0364% | 798 |
| Noninterest income to average assets | 5.3201% | 118 |
| Noninterest expense to average assets | 4.5627% | 204 |
| Loan and lease loss provision to assets | 1.4200% | 22 |
| Net operating income to assets | 2.8827% | 166 |
| Return on assets (ROA) | 2.8419% | 196 |
| Pretax return on assets | 2.8950% | 261 |
| Return on Equity (ROE) | 26.6075% | 216 |
| Retained earnings to average equity (ytd only) | 13.0009% | 913 |
| Net charge-offs to loans | 0.4046% | 206 |
| Credit loss provision to net charge-offs | 817.0725% | 467 |
| Earnings coverage of net charge-offs (x) | 25.1391% | 1,162 |
| Efficiency ratio | 49.7106% | 4,212 |
| Assets per employee ($millions) | 9.1098% | 798 |
| Cash dividends to net income (ytd only)* | 51.1382% | 1,082 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6547% | 213 |
| Loan loss allowance to noncurrent loans | 227.5681% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 2,005 |
| Noncurrent loans to loans | 1.1666% | 1,137 |
| Net loans and leases to total assets | 37.0293% | 4,455 |
| Net loans and leases to deposits | 41.9464% | 4,499 |
| Net loans and leases to core deposits | 99.4282% | 735 |
| Total domestic deposits to total assets | 88.2777% | 1,708 |
| Equity capital to assets | 9.4198% | 3,275 |
| Core capital (leverage) ratio | 5.4703% | 4,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6635% | 2,013 |
| Memoranda: |
| Average total assets | $8,532,363,000 | 178 |
| Average earning assets | $7,606,670,500 | 177 |
| Average equity | $911,323,000 | 180 |
| Average total loans | $3,653,750,500 | 236 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8879% | 611 |
| Cost of funding earning assets | 0.3021% | 4,133 |
| Net interest margin | 4.5858% | 273 |
| Noninterest income to average assets | 3.6202% | 151 |
| Noninterest expense to average assets | 4.6829% | 226 |
| Loan and lease loss provision to assets | 0.9863% | 99 |
| Net operating income to assets | 1.7401% | 450 |
| Return on assets (ROA) | 1.6732% | 575 |
| Pretax return on assets | 1.8509% | 611 |
| Return on Equity (ROE) | 12.5163% | 1,173 |
| Retained earnings to average equity (ytd only) | -3.9981% | 4,812 |
| Net charge-offs to loans | 1.0516% | 120 |
| Credit loss provision to net charge-offs | 177.0868% | 2,279 |
| Earnings coverage of net charge-offs (x) | 5.2007% | 2,889 |
| Efficiency ratio | 59.7320% | 3,494 |
| Assets per employee ($millions) | 7.0055% | 1,584 |
| Cash dividends to net income (ytd only)* | 131.9434% | 129 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0207% | 558 |
| Loan loss allowance to noncurrent loans | 171.0556% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 1,659 |
| Noncurrent loans to loans | 1.1813% | 1,197 |
| Net loans and leases to total assets | 48.2683% | 3,958 |
| Net loans and leases to deposits | 56.4962% | 3,968 |
| Net loans and leases to core deposits | 111.5844% | 467 |
| Total domestic deposits to total assets | 85.4364% | 2,600 |
| Equity capital to assets | 12.3790% | 1,376 |
| Core capital (leverage) ratio | 8.6030% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1401% | 2,188 |
| Memoranda: |
| Average total assets | $6,839,788,200 | 194 |
| Average earning assets | $5,916,296,400 | 204 |
| Average equity | $914,348,600 | 176 |
| Average total loans | $3,631,700,200 | 236 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0378% | 571 |
| Cost of funding earning assets | 0.3899% | 3,864 |
| Net interest margin | 4.6479% | 288 |
| Noninterest income to average assets | 4.0043% | 133 |
| Noninterest expense to average assets | 4.8803% | 199 |
| Loan and lease loss provision to assets | 1.2155% | 87 |
| Net operating income to assets | 1.7466% | 516 |
| Return on assets (ROA) | 1.6801% | 670 |
| Pretax return on assets | 1.8509% | 712 |
| Return on Equity (ROE) | 12.3220% | 1,292 |
| Retained earnings to average equity (ytd only) | -1.8405% | 4,694 |
| Net charge-offs to loans | 1.2937% | 97 |
| Credit loss provision to net charge-offs | 173.5696% | 2,214 |
| Earnings coverage of net charge-offs (x) | 4.4733% | 2,818 |
| Efficiency ratio | 58.8486% | 3,546 |
| Assets per employee ($millions) | 6.0058% | 2,260 |
| Cash dividends to net income (ytd only)* | 114.9371% | 203 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6025% | 1,095 |
| Loan loss allowance to noncurrent loans | 165.1714% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 1,863 |
| Noncurrent loans to loans | 0.9702% | 1,542 |
| Net loans and leases to total assets | 56.5980% | 3,563 |
| Net loans and leases to deposits | 69.2128% | 3,377 |
| Net loans and leases to core deposits | 112.6857% | 606 |
| Total domestic deposits to total assets | 81.7738% | 3,479 |
| Equity capital to assets | 15.2533% | 580 |
| Core capital (leverage) ratio | 7.5638% | 4,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2559% | 1,745 |
| Memoranda: |
| Average total assets | $6,731,800,500 | 194 |
| Average earning assets | $5,805,808,250 | 204 |
| Average equity | $917,893,750 | 173 |
| Average total loans | $3,644,041,750 | 233 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9749% | 868 |
| Cost of funding earning assets | 0.4773% | 3,672 |
| Net interest margin | 4.4976% | 505 |
| Noninterest income to average assets | 4.6521% | 115 |
| Noninterest expense to average assets | 4.7505% | 219 |
| Loan and lease loss provision to assets | 1.5089% | 83 |
| Net operating income to assets | 2.2071% | 219 |
| Return on assets (ROA) | 2.1395% | 269 |
| Pretax return on assets | 2.2175% | 356 |
| Return on Equity (ROE) | 16.2558% | 526 |
| Retained earnings to average equity (ytd only) | -2.8926% | 4,646 |
| Net charge-offs to loans | 0.9116% | 165 |
| Credit loss provision to net charge-offs | 311.5055% | 1,590 |
| Earnings coverage of net charge-offs (x) | 7.8323% | 2,337 |
| Efficiency ratio | 53.5615% | 4,226 |
| Assets per employee ($millions) | 8.7958% | 725 |
| Cash dividends to net income (ytd only)* | 117.7944% | 332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8352% | 606 |
| Loan loss allowance to noncurrent loans | 167.3165% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 2,124 |
| Noncurrent loans to loans | 1.0968% | 1,429 |
| Net loans and leases to total assets | 40.0229% | 4,605 |
| Net loans and leases to deposits | 46.3104% | 4,646 |
| Net loans and leases to core deposits | 68.9045% | 3,794 |
| Total domestic deposits to total assets | 86.4232% | 1,837 |
| Equity capital to assets | 10.4670% | 2,773 |
| Core capital (leverage) ratio | 6.8927% | 5,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1171% | 1,762 |
| Memoranda: |
| Average total assets | $6,943,769,333 | 189 |
| Average earning assets | $6,009,464,000 | 193 |
| Average equity | $913,915,667 | 172 |
| Average total loans | $3,689,941,667 | 232 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3379% | 101 |
| Cost of funding earning assets | 0.8135% | 2,303 |
| Net interest margin | 5.5244% | 87 |
| Noninterest income to average assets | 8.0012% | 70 |
| Noninterest expense to average assets | 6.1528% | 142 |
| Loan and lease loss provision to assets | 2.4772% | 48 |
| Net operating income to assets | 3.6737% | 43 |
| Return on assets (ROA) | 3.5902% | 47 |
| Pretax return on assets | 3.9633% | 51 |
| Return on Equity (ROE) | 23.7329% | 85 |
| Retained earnings to average equity (ytd only) | -14.6862% | 4,888 |
| Net charge-offs to loans | 0.2262% | 625 |
| Credit loss provision to net charge-offs | 1,761.7383% | 370 |
| Earnings coverage of net charge-offs (x) | 46.3944% | 954 |
| Efficiency ratio | 46.7545% | 4,805 |
| Assets per employee ($millions) | 5.8993% | 1,760 |
| Cash dividends to net income (ytd only)* | 161.8812% | 412 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7992% | 707 |
| Loan loss allowance to noncurrent loans | 207.7136% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 2,344 |
| Noncurrent loans to loans | 0.8662% | 1,884 |
| Net loans and leases to total assets | 60.9552% | 3,404 |
| Net loans and leases to deposits | 89.9266% | 1,521 |
| Net loans and leases to core deposits | 195.3697% | 41 |
| Total domestic deposits to total assets | 67.7832% | 4,932 |
| Equity capital to assets | 15.2622% | 718 |
| Core capital (leverage) ratio | 8.5213% | 4,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6934% | 2,400 |
| Memoranda: |
| Average total assets | $6,022,169,000 | 205 |
| Average earning assets | $5,096,554,500 | 220 |
| Average equity | $911,007,000 | 174 |
| Average total loans | $3,743,637,000 | 226 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3709% | 129 |
| Cost of funding earning assets | 1.0406% | 1,554 |
| Net interest margin | 5.3303% | 144 |
| Noninterest income to average assets | 3.6136% | 122 |
| Noninterest expense to average assets | 5.5242% | 159 |
| Loan and lease loss provision to assets | 0.8141% | 127 |
| Net operating income to assets | 1.8190% | 505 |
| Return on assets (ROA) | 1.7538% | 623 |
| Pretax return on assets | 1.7599% | 1,047 |
| Return on Equity (ROE) | 11.9481% | 1,536 |
| Retained earnings to average equity (ytd only) | 5.9001% | 1,921 |
| Net charge-offs to loans | 1.1273% | 138 |
| Credit loss provision to net charge-offs | 121.6381% | 2,088 |
| Earnings coverage of net charge-offs (x) | 3.9434% | 3,275 |
| Efficiency ratio | 64.4538% | 3,008 |
| Assets per employee ($millions) | 5.6914% | 1,883 |
| Cash dividends to net income (ytd only)* | 50.6188% | 2,001 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7828% | 4,358 |
| Loan loss allowance to noncurrent loans | 125.8225% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 2,565 |
| Noncurrent loans to loans | 0.6222% | 2,334 |
| Net loans and leases to total assets | 61.7642% | 3,423 |
| Net loans and leases to deposits | 79.5275% | 2,829 |
| Net loans and leases to core deposits | 193.0762% | 46 |
| Total domestic deposits to total assets | 77.6640% | 4,411 |
| Equity capital to assets | 15.0003% | 793 |
| Core capital (leverage) ratio | 9.7021% | 3,841 |
| Tier 1 risk-based capital ratio | 12.2351% | 4,221 |
| Total risk-based capital ratio | 12.8974% | 4,441 |
| Memoranda: |
| Average total assets | $6,136,741,200 | 195 |
| Average earning assets | $5,238,048,800 | 201 |
| Average equity | $900,796,200 | 174 |
| Average total loans | $3,643,403,200 | 222 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4872% | 113 |
| Cost of funding earning assets | 1.0917% | 1,386 |
| Net interest margin | 5.3955% | 141 |
| Noninterest income to average assets | 4.0125% | 116 |
| Noninterest expense to average assets | 5.7049% | 148 |
| Loan and lease loss provision to assets | 1.0137% | 90 |
| Net operating income to assets | 1.9118% | 480 |
| Return on assets (ROA) | 1.8505% | 585 |
| Pretax return on assets | 1.8438% | 991 |
| Return on Equity (ROE) | 12.6772% | 1,394 |
| Retained earnings to average equity (ytd only) | 7.6082% | 1,577 |
| Net charge-offs to loans | 1.4368% | 93 |
| Credit loss provision to net charge-offs | 120.3117% | 1,949 |
| Earnings coverage of net charge-offs (x) | 3.4642% | 3,098 |
| Efficiency ratio | 62.7607% | 3,204 |
| Assets per employee ($millions) | 5.2194% | 2,317 |
| Cash dividends to net income (ytd only)* | 39.9849% | 2,162 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7655% | 4,508 |
| Loan loss allowance to noncurrent loans | 109.9008% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8901% | 1,532 |
| Noncurrent loans to loans | 0.6966% | 2,210 |
| Net loans and leases to total assets | 61.0396% | 3,588 |
| Net loans and leases to deposits | 87.0388% | 2,057 |
| Net loans and leases to core deposits | 181.8695% | 56 |
| Total domestic deposits to total assets | 70.1292% | 4,992 |
| Equity capital to assets | 15.0100% | 842 |
| Core capital (leverage) ratio | 9.6532% | 4,022 |
| Tier 1 risk-based capital ratio | 12.3659% | 4,213 |
| Total risk-based capital ratio | 13.0182% | 4,431 |
| Memoranda: |
| Average total assets | $6,122,876,000 | 195 |
| Average earning assets | $5,232,721,750 | 203 |
| Average equity | $893,782,500 | 175 |
| Average total loans | $3,590,569,000 | 226 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5993% | 103 |
| Cost of funding earning assets | 1.1089% | 1,261 |
| Net interest margin | 5.4904% | 124 |
| Noninterest income to average assets | 4.8427% | 96 |
| Noninterest expense to average assets | 6.0539% | 140 |
| Loan and lease loss provision to assets | 1.3910% | 63 |
| Net operating income to assets | 2.1491% | 298 |
| Return on assets (ROA) | 2.1173% | 326 |
| Pretax return on assets | 2.0664% | 597 |
| Return on Equity (ROE) | 14.6445% | 844 |
| Retained earnings to average equity (ytd only) | 14.6445% | 190 |
| Net charge-offs to loans | 1.1492% | 114 |
| Credit loss provision to net charge-offs | 209.8936% | 1,160 |
| Earnings coverage of net charge-offs (x) | 5.2648% | 2,678 |
| Efficiency ratio | 59.9742% | 3,731 |
| Assets per employee ($millions) | 5.0053% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1778% | 2,637 |
| Loan loss allowance to noncurrent loans | 209.1788% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 1,730 |
| Noncurrent loans to loans | 0.5630% | 2,575 |
| Net loans and leases to total assets | 59.8773% | 3,742 |
| Net loans and leases to deposits | 76.3101% | 3,302 |
| Net loans and leases to core deposits | 167.1436% | 78 |
| Total domestic deposits to total assets | 78.4657% | 4,318 |
| Equity capital to assets | 14.8994% | 842 |
| Core capital (leverage) ratio | 9.3724% | 4,283 |
| Tier 1 risk-based capital ratio | 12.2662% | 4,259 |
| Total risk-based capital ratio | 13.2609% | 4,295 |
| Memoranda: |
| Average total assets | $6,100,434,330 | 198 |
| Average earning assets | $5,222,681,000 | 204 |
| Average equity | $881,994,000 | 177 |
| Average total loans | $3,518,217,330 | 232 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8392% | 82 |
| Cost of funding earning assets | 1.1944% | 918 |
| Net interest margin | 5.6448% | 95 |
| Noninterest income to average assets | 6.8543% | 72 |
| Noninterest expense to average assets | 7.2906% | 99 |
| Loan and lease loss provision to assets | 2.1839% | 35 |
| Net operating income to assets | 2.2443% | 251 |
| Return on assets (ROA) | 2.2068% | 278 |
| Pretax return on assets | 2.1809% | 470 |
| Return on Equity (ROE) | 15.5000% | 664 |
| Retained earnings to average equity (ytd only) | 15.5000% | 244 |
| Net charge-offs to loans | 0.6922% | 218 |
| Credit loss provision to net charge-offs | 561.2871% | 573 |
| Earnings coverage of net charge-offs (x) | 11.3144% | 1,913 |
| Efficiency ratio | 59.1514% | 3,930 |
| Assets per employee ($millions) | 4.9032% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3915% | 1,707 |
| Loan loss allowance to noncurrent loans | 506.0512% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 2,140 |
| Noncurrent loans to loans | 0.2750% | 3,583 |
| Net loans and leases to total assets | 57.1424% | 3,976 |
| Net loans and leases to deposits | 69.1998% | 3,831 |
| Net loans and leases to core deposits | 159.0370% | 92 |
| Total domestic deposits to total assets | 82.5758% | 3,554 |
| Equity capital to assets | 14.8300% | 788 |
| Core capital (leverage) ratio | 8.4192% | 5,051 |
| Tier 1 risk-based capital ratio | 12.7650% | 4,004 |
| Total risk-based capital ratio | 13.9170% | 3,947 |
| Memoranda: |
| Average total assets | $6,102,445,000 | 196 |
| Average earning assets | $5,230,905,500 | 203 |
| Average equity | $868,826,500 | 179 |
| Average total loans | $3,430,391,000 | 235 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5244% | 2,386 |
| Cost of funding earning assets | 0.7191% | 1,966 |
| Net interest margin | 3.8054% | 2,646 |
| Noninterest income to average assets | 3.8586% | 110 |
| Noninterest expense to average assets | 5.0534% | 199 |
| Loan and lease loss provision to assets | 0.7249% | 139 |
| Net operating income to assets | 1.4627% | 1,226 |
| Return on assets (ROA) | 1.2927% | 1,822 |
| Pretax return on assets | 1.2781% | 2,587 |
| Return on Equity (ROE) | 10.2910% | 2,397 |
| Retained earnings to average equity (ytd only) | 3.3103% | 3,755 |
| Net charge-offs to loans | 1.1435% | 119 |
| Credit loss provision to net charge-offs | 149.6405% | 1,837 |
| Earnings coverage of net charge-offs (x) | 4.4855% | 3,292 |
| Efficiency ratio | 66.6203% | 2,760 |
| Assets per employee ($millions) | 5.0195% | 2,475 |
| Cash dividends to net income (ytd only)* | 67.8328% | 1,176 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6331% | 4,922 |
| Loan loss allowance to noncurrent loans | 153.4968% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 1,905 |
| Noncurrent loans to loans | 0.4124% | 3,053 |
| Net loans and leases to total assets | 54.1704% | 4,268 |
| Net loans and leases to deposits | 67.4503% | 4,011 |
| Net loans and leases to core deposits | 171.3119% | 64 |
| Total domestic deposits to total assets | 80.3115% | 4,036 |
| Equity capital to assets | 13.6575% | 1,088 |
| Core capital (leverage) ratio | 9.0129% | 4,644 |
| Tier 1 risk-based capital ratio | 11.9128% | 4,487 |
| Total risk-based capital ratio | 12.4147% | 4,796 |
| Memoranda: |
| Average total assets | $5,167,907,200 | 221 |
| Average earning assets | $4,573,586,200 | 223 |
| Average equity | $649,149,000 | 204 |
| Average total loans | $2,189,490,600 | 314 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9629% | 4,040 |
| Cost of funding earning assets | 0.5912% | 2,539 |
| Net interest margin | 3.3717% | 4,099 |
| Noninterest income to average assets | 4.3948% | 103 |
| Noninterest expense to average assets | 5.0537% | 195 |
| Loan and lease loss provision to assets | 0.7690% | 120 |
| Net operating income to assets | 1.5593% | 1,047 |
| Return on assets (ROA) | 1.3506% | 1,675 |
| Pretax return on assets | 1.3761% | 2,316 |
| Return on Equity (ROE) | 11.0551% | 2,154 |
| Retained earnings to average equity (ytd only) | 0.9989% | 4,853 |
| Net charge-offs to loans | 1.7008% | 63 |
| Credit loss provision to net charge-offs | 117.2737% | 2,021 |
| Earnings coverage of net charge-offs (x) | 3.5953% | 3,148 |
| Efficiency ratio | 65.2707% | 2,993 |
| Assets per employee ($millions) | 4.7753% | 2,758 |
| Cash dividends to net income (ytd only)* | 90.9648% | 366 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4405% | 5,252 |
| Loan loss allowance to noncurrent loans | 127.8306% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7242% | 2,050 |
| Noncurrent loans to loans | 0.3446% | 3,422 |
| Net loans and leases to total assets | 50.6310% | 4,551 |
| Net loans and leases to deposits | 66.2940% | 4,177 |
| Net loans and leases to core deposits | 133.5663% | 279 |
| Total domestic deposits to total assets | 76.3735% | 4,748 |
| Equity capital to assets | 14.0804% | 935 |
| Core capital (leverage) ratio | 9.7521% | 3,898 |
| Tier 1 risk-based capital ratio | 12.5564% | 4,181 |
| Total risk-based capital ratio | 12.8938% | 4,600 |
| Memoranda: |
| Average total assets | $4,917,635,000 | 224 |
| Average earning assets | $4,399,685,750 | 227 |
| Average equity | $600,803,250 | 216 |
| Average total loans | $1,896,098,750 | 339 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3060% | 5,135 |
| Cost of funding earning assets | 0.4363% | 3,452 |
| Net interest margin | 2.8697% | 5,055 |
| Noninterest income to average assets | 5.6592% | 88 |
| Noninterest expense to average assets | 5.1524% | 195 |
| Loan and lease loss provision to assets | 1.0249% | 78 |
| Net operating income to assets | 1.7861% | 597 |
| Return on assets (ROA) | 1.7792% | 612 |
| Pretax return on assets | 2.0835% | 507 |
| Return on Equity (ROE) | 15.5599% | 749 |
| Retained earnings to average equity (ytd only) | 15.5599% | 176 |
| Net charge-offs to loans | 1.3715% | 96 |
| Credit loss provision to net charge-offs | 223.8221% | 1,213 |
| Earnings coverage of net charge-offs (x) | 6.8058% | 2,590 |
| Efficiency ratio | 60.0078% | 3,933 |
| Assets per employee ($millions) | 4.4585% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3742% | 1,833 |
| Loan loss allowance to noncurrent loans | 383.1384% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 1,740 |
| Noncurrent loans to loans | 0.3587% | 3,409 |
| Net loans and leases to total assets | 37.9112% | 5,127 |
| Net loans and leases to deposits | 44.7222% | 5,126 |
| Net loans and leases to core deposits | 85.2950% | 2,983 |
| Total domestic deposits to total assets | 84.7706% | 2,763 |
| Equity capital to assets | 12.7629% | 1,414 |
| Core capital (leverage) ratio | 10.1620% | 3,404 |
| Tier 1 risk-based capital ratio | 17.5724% | 1,924 |
| Total risk-based capital ratio | 18.5035% | 1,968 |
| Memoranda: |
| Average total assets | $4,616,464,000 | 235 |
| Average earning assets | $4,198,332,330 | 232 |
| Average equity | $527,857,000 | 229 |
| Average total loans | $1,541,350,000 | 390 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1024% | 5,310 |
| Cost of funding earning assets | 0.4268% | 3,388 |
| Net interest margin | 2.6756% | 5,270 |
| Noninterest income to average assets | 8.0425% | 66 |
| Noninterest expense to average assets | 5.7010% | 152 |
| Loan and lease loss provision to assets | 1.5138% | 51 |
| Net operating income to assets | 2.7225% | 105 |
| Return on assets (ROA) | 2.7111% | 108 |
| Pretax return on assets | 3.2515% | 93 |
| Return on Equity (ROE) | 24.9534% | 86 |
| Retained earnings to average equity (ytd only) | 24.9534% | 46 |
| Net charge-offs to loans | 0.0336% | 1,838 |
| Credit loss provision to net charge-offs | 14,443.3071% | 17 |
| Earnings coverage of net charge-offs (x) | 455.9843% | 141 |
| Efficiency ratio | 52.2482% | 4,942 |
| Assets per employee ($millions) | 4.6821% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7842% | 812 |
| Loan loss allowance to noncurrent loans | 447.7183% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 1,879 |
| Noncurrent loans to loans | 0.3985% | 3,356 |
| Net loans and leases to total assets | 34.7545% | 5,245 |
| Net loans and leases to deposits | 44.5926% | 5,135 |
| Net loans and leases to core deposits | 79.7992% | 3,338 |
| Total domestic deposits to total assets | 77.9378% | 4,738 |
| Equity capital to assets | 12.3477% | 1,578 |
| Core capital (leverage) ratio | 8.9339% | 4,753 |
| Tier 1 risk-based capital ratio | 17.4257% | 1,998 |
| Total risk-based capital ratio | 18.5918% | 1,968 |
| Memoranda: |
| Average total assets | $4,847,021,500 | 220 |
| Average earning assets | $4,415,754,500 | 224 |
| Average equity | $526,613,000 | 230 |
| Average total loans | $1,513,378,000 | 396 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8765% | 5,430 |
| Cost of funding earning assets | 0.2838% | 4,285 |
| Net interest margin | 2.5927% | 5,358 |
| Noninterest income to average assets | 3.9983% | 131 |
| Noninterest expense to average assets | 4.6040% | 293 |
| Loan and lease loss provision to assets | 0.2371% | 811 |
| Net operating income to assets | 1.1403% | 1,713 |
| Return on assets (ROA) | 1.1359% | 1,762 |
| Pretax return on assets | 1.5198% | 1,561 |
| Return on Equity (ROE) | 10.2637% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.2637% | 318 |
| Net charge-offs to loans | 0.6614% | 328 |
| Credit loss provision to net charge-offs | 129.2493% | 2,031 |
| Earnings coverage of net charge-offs (x) | 9.6103% | 2,766 |
| Efficiency ratio | 64.4726% | 3,536 |
| Assets per employee ($millions) | 6.1564% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5872% | 5,266 |
| Loan loss allowance to noncurrent loans | 26.7276% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 2,483 |
| Noncurrent loans to loans | 2.1968% | 661 |
| Net loans and leases to total assets | 27.7558% | 5,473 |
| Net loans and leases to deposits | 42.6462% | 5,277 |
| Net loans and leases to core deposits | 86.8012% | 2,846 |
| Total domestic deposits to total assets | 65.0839% | 5,535 |
| Equity capital to assets | 9.6880% | 4,043 |
| Core capital (leverage) ratio | 9.6148% | 3,904 |
| Tier 1 risk-based capital ratio | 16.6370% | 2,215 |
| Total risk-based capital ratio | 17.0317% | 2,461 |
| Memoranda: |
| Average total assets | $4,560,926,200 | 222 |
| Average earning assets | $4,166,634,000 | 221 |
| Average equity | $504,781,400 | 227 |
| Average total loans | $1,264,954,200 | 440 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9594% | 5,439 |
| Cost of funding earning assets | 0.2826% | 4,292 |
| Net interest margin | 2.6769% | 5,348 |
| Noninterest income to average assets | 4.6616% | 124 |
| Noninterest expense to average assets | 5.0612% | 216 |
| Loan and lease loss provision to assets | 0.2987% | 526 |
| Net operating income to assets | 1.3855% | 1,124 |
| Return on assets (ROA) | 1.4034% | 1,103 |
| Pretax return on assets | 1.7659% | 967 |
| Return on Equity (ROE) | 12.2078% | 1,272 |
| Retained earnings to average equity (ytd only) | 12.2078% | 279 |
| Net charge-offs to loans | 0.9553% | 186 |
| Credit loss provision to net charge-offs | 112.9724% | 2,099 |
| Earnings coverage of net charge-offs (x) | 7.7227% | 2,847 |
| Efficiency ratio | 62.1542% | 3,858 |
| Assets per employee ($millions) | 6.3066% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5684% | 5,377 |
| Loan loss allowance to noncurrent loans | 20.0420% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 2,333 |
| Noncurrent loans to loans | 2.8363% | 474 |
| Net loans and leases to total assets | 25.2673% | 5,585 |
| Net loans and leases to deposits | 40.8548% | 5,394 |
| Net loans and leases to core deposits | 62.4509% | 4,685 |
| Total domestic deposits to total assets | 61.8465% | 5,640 |
| Equity capital to assets | 9.9897% | 3,920 |
| Core capital (leverage) ratio | 9.6414% | 3,997 |
| Tier 1 risk-based capital ratio | 18.2152% | 1,802 |
| Total risk-based capital ratio | 18.5919% | 2,001 |
| Memoranda: |
| Average total assets | $4,349,838,250 | 235 |
| Average earning assets | $3,967,370,000 | 234 |
| Average equity | $500,061,500 | 231 |
| Average total loans | $1,203,907,750 | 458 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1537% | 5,297 |
| Cost of funding earning assets | 0.2817% | 4,267 |
| Net interest margin | 2.8721% | 5,134 |
| Noninterest income to average assets | 6.0615% | 95 |
| Noninterest expense to average assets | 5.4424% | 184 |
| Loan and lease loss provision to assets | 0.4870% | 244 |
| Net operating income to assets | 2.2008% | 211 |
| Return on assets (ROA) | 2.1970% | 215 |
| Pretax return on assets | 2.7346% | 150 |
| Return on Equity (ROE) | 18.0958% | 328 |
| Retained earnings to average equity (ytd only) | 18.0958% | 75 |
| Net charge-offs to loans | 0.2297% | 891 |
| Credit loss provision to net charge-offs | 740.1946% | 481 |
| Earnings coverage of net charge-offs (x) | 49.0374% | 1,090 |
| Efficiency ratio | 57.6865% | 4,642 |
| Assets per employee ($millions) | 4.9590% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2225% | 2,878 |
| Loan loss allowance to noncurrent loans | 32.1119% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.1724% | 1,455 |
| Noncurrent loans to loans | 3.8071% | 270 |
| Net loans and leases to total assets | 30.1828% | 5,537 |
| Net loans and leases to deposits | 38.2908% | 5,500 |
| Net loans and leases to core deposits | 69.2295% | 4,277 |
| Total domestic deposits to total assets | 78.8252% | 4,654 |
| Equity capital to assets | 12.9297% | 1,403 |
| Core capital (leverage) ratio | 9.4414% | 4,188 |
| Tier 1 risk-based capital ratio | 18.5571% | 1,701 |
| Total risk-based capital ratio | 19.3371% | 1,787 |
| Memoranda: |
| Average total assets | $4,061,254,670 | 249 |
| Average earning assets | $3,686,742,000 | 251 |
| Average equity | $493,075,330 | 234 |
| Average total loans | $1,163,420,000 | 473 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0625% | 5,401 |
| Cost of funding earning assets | 0.2709% | 4,349 |
| Net interest margin | 2.7916% | 5,259 |
| Noninterest income to average assets | 9.0317% | 65 |
| Noninterest expense to average assets | 6.6084% | 138 |
| Loan and lease loss provision to assets | 0.8461% | 115 |
| Net operating income to assets | 3.2885% | 80 |
| Return on assets (ROA) | 3.2772% | 80 |
| Pretax return on assets | 4.0990% | 74 |
| Return on Equity (ROE) | 27.8809% | 60 |
| Retained earnings to average equity (ytd only) | 27.8809% | 35 |
| Net charge-offs to loans | 0.1628% | 995 |
| Credit loss provision to net charge-offs | 1,875.9219% | 184 |
| Earnings coverage of net charge-offs (x) | 109.9523% | 497 |
| Efficiency ratio | 51.1389% | 5,319 |
| Assets per employee ($millions) | 5.0825% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2684% | 2,696 |
| Loan loss allowance to noncurrent loans | 293.2129% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 4,761 |
| Noncurrent loans to loans | 0.4326% | 3,548 |
| Net loans and leases to total assets | 28.5969% | 5,616 |
| Net loans and leases to deposits | 39.4800% | 5,486 |
| Net loans and leases to core deposits | 65.2718% | 4,477 |
| Total domestic deposits to total assets | 72.4340% | 5,521 |
| Equity capital to assets | 12.5821% | 1,475 |
| Core capital (leverage) ratio | 8.2008% | 5,448 |
| Tier 1 risk-based capital ratio | 18.9547% | 1,627 |
| Total risk-based capital ratio | 19.7617% | 1,699 |
| Memoranda: |
| Average total assets | $4,088,437,000 | 247 |
| Average earning assets | $3,713,818,000 | 250 |
| Average equity | $480,573,000 | 238 |
| Average total loans | $1,132,950,500 | 481 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7352% | 5,674 |
| Cost of funding earning assets | 0.1230% | 5,596 |
| Net interest margin | 2.6122% | 5,503 |
| Noninterest income to average assets | 3.0183% | 202 |
| Noninterest expense to average assets | 4.1273% | 513 |
| Loan and lease loss provision to assets | 0.1342% | 1,862 |
| Net operating income to assets | 0.9742% | 2,466 |
| Return on assets (ROA) | 0.9364% | 2,756 |
| Pretax return on assets | 1.1337% | 2,954 |
| Return on Equity (ROE) | 9.0915% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.0915% | 574 |
| Net charge-offs to loans | 0.5545% | 427 |
| Credit loss provision to net charge-offs | 94.8901% | 2,706 |
| Earnings coverage of net charge-offs (x) | 9.2897% | 2,768 |
| Efficiency ratio | 73.1414% | 2,407 |
| Assets per employee ($millions) | 5.6256% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5755% | 5,573 |
| Loan loss allowance to noncurrent loans | 287.1531% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 5,122 |
| Noncurrent loans to loans | 0.2004% | 4,441 |
| Net loans and leases to total assets | 26.3731% | 5,722 |
| Net loans and leases to deposits | 30.1935% | 5,734 |
| Net loans and leases to core deposits | 67.0369% | 4,463 |
| Total domestic deposits to total assets | 87.3471% | 1,957 |
| Equity capital to assets | 10.9716% | 2,651 |
| Core capital (leverage) ratio | 9.6080% | 3,957 |
| Tier 1 risk-based capital ratio | 18.5493% | 1,712 |
| Total risk-based capital ratio | 18.9310% | 1,915 |
| Memoranda: |
| Average total assets | $3,474,362,000 | 270 |
| Average earning assets | $3,221,821,600 | 267 |
| Average equity | $357,849,600 | 283 |
| Average total loans | $885,823,000 | 576 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8168% | 5,707 |
| Cost of funding earning assets | 0.1067% | 5,743 |
| Net interest margin | 2.7101% | 5,482 |
| Noninterest income to average assets | 3.4132% | 174 |
| Noninterest expense to average assets | 4.2951% | 448 |
| Loan and lease loss provision to assets | 0.1546% | 1,504 |
| Net operating income to assets | 1.2239% | 1,542 |
| Return on assets (ROA) | 1.2124% | 1,696 |
| Pretax return on assets | 1.4762% | 1,785 |
| Return on Equity (ROE) | 12.0217% | 1,316 |
| Retained earnings to average equity (ytd only) | 12.0217% | 302 |
| Net charge-offs to loans | 0.7803% | 234 |
| Credit loss provision to net charge-offs | 78.7379% | 2,680 |
| Earnings coverage of net charge-offs (x) | 8.3762% | 2,775 |
| Efficiency ratio | 69.8444% | 2,904 |
| Assets per employee ($millions) | 5.9460% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6091% | 5,593 |
| Loan loss allowance to noncurrent loans | 511.8074% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 5,381 |
| Noncurrent loans to loans | 0.1190% | 4,864 |
| Net loans and leases to total assets | 23.0115% | 5,836 |
| Net loans and leases to deposits | 37.7570% | 5,684 |
| Net loans and leases to core deposits | 99.5898% | 1,673 |
| Total domestic deposits to total assets | 60.9462% | 5,882 |
| Equity capital to assets | 10.1002% | 4,039 |
| Core capital (leverage) ratio | 10.3465% | 3,163 |
| Tier 1 risk-based capital ratio | 21.9545% | 1,144 |
| Total risk-based capital ratio | 22.3489% | 1,231 |
| Memoranda: |
| Average total assets | $3,292,364,000 | 280 |
| Average earning assets | $3,069,610,250 | 277 |
| Average equity | $332,045,500 | 296 |
| Average total loans | $828,601,750 | 609 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9898% | 5,663 |
| Cost of funding earning assets | 0.0918% | 5,888 |
| Net interest margin | 2.8980% | 5,269 |
| Noninterest income to average assets | 4.2369% | 150 |
| Noninterest expense to average assets | 4.8579% | 294 |
| Loan and lease loss provision to assets | 0.2139% | 991 |
| Net operating income to assets | 1.5531% | 801 |
| Return on assets (ROA) | 1.5491% | 848 |
| Pretax return on assets | 1.8533% | 779 |
| Return on Equity (ROE) | 15.3698% | 629 |
| Retained earnings to average equity (ytd only) | 15.3698% | 133 |
| Net charge-offs to loans | 0.9580% | 193 |
| Credit loss provision to net charge-offs | 85.7143% | 2,302 |
| Earnings coverage of net charge-offs (x) | 8.3038% | 2,531 |
| Efficiency ratio | 67.8068% | 3,381 |
| Assets per employee ($millions) | 4.8507% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7112% | 5,493 |
| Loan loss allowance to noncurrent loans | 277.0937% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 5,268 |
| Noncurrent loans to loans | 0.2567% | 4,434 |
| Net loans and leases to total assets | 27.1856% | 5,843 |
| Net loans and leases to deposits | 38.9428% | 5,723 |
| Net loans and leases to core deposits | 98.7503% | 1,751 |
| Total domestic deposits to total assets | 69.8090% | 5,792 |
| Equity capital to assets | 10.6867% | 3,418 |
| Core capital (leverage) ratio | 8.4749% | 5,384 |
| Tier 1 risk-based capital ratio | 18.0801% | 1,910 |
| Total risk-based capital ratio | 18.5241% | 2,101 |
| Memoranda: |
| Average total assets | $3,057,916,670 | 288 |
| Average earning assets | $2,841,589,670 | 285 |
| Average equity | $308,202,670 | 314 |
| Average total loans | $796,434,000 | 627 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0168% | 5,672 |
| Cost of funding earning assets | 0.0823% | 5,979 |
| Net interest margin | 2.9345% | 5,249 |
| Noninterest income to average assets | 5.4220% | 110 |
| Noninterest expense to average assets | 5.6018% | 205 |
| Loan and lease loss provision to assets | 0.1555% | 1,347 |
| Net operating income to assets | 1.9273% | 377 |
| Return on assets (ROA) | 1.9304% | 402 |
| Pretax return on assets | 2.3977% | 283 |
| Return on Equity (ROE) | 19.7751% | 258 |
| Retained earnings to average equity (ytd only) | 19.7751% | 99 |
| Net charge-offs to loans | 0.2130% | 947 |
| Credit loss provision to net charge-offs | 287.9607% | 874 |
| Earnings coverage of net charge-offs (x) | 47.2162% | 915 |
| Efficiency ratio | 66.7470% | 3,676 |
| Assets per employee ($millions) | 4.8362% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9468% | 4,869 |
| Loan loss allowance to noncurrent loans | 159.2243% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 4,969 |
| Noncurrent loans to loans | 0.5946% | 3,404 |
| Net loans and leases to total assets | 25.3158% | 5,929 |
| Net loans and leases to deposits | 34.8725% | 5,852 |
| Net loans and leases to core deposits | 90.7319% | 2,303 |
| Total domestic deposits to total assets | 72.5953% | 5,736 |
| Equity capital to assets | 10.2658% | 3,781 |
| Core capital (leverage) ratio | 8.0867% | 5,730 |
| Tier 1 risk-based capital ratio | 17.8948% | 2,018 |
| Total risk-based capital ratio | 18.4476% | 2,183 |
| Memoranda: |
| Average total assets | $3,015,260,000 | 291 |
| Average earning assets | $2,804,118,500 | 285 |
| Average equity | $294,349,500 | 321 |
| Average total loans | $764,338,000 | 654 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9449% | 5,781 |
| Cost of funding earning assets | 0.0890% | 6,006 |
| Net interest margin | 2.8559% | 5,410 |
| Noninterest income to average assets | 2.5724% | 256 |
| Noninterest expense to average assets | 4.3123% | 481 |
| Loan and lease loss provision to assets | 0.0904% | 2,495 |
| Net operating income to assets | 0.7892% | 3,382 |
| Return on assets (ROA) | 0.7754% | 3,513 |
| Pretax return on assets | 0.8182% | 4,131 |
| Return on Equity (ROE) | 8.0967% | 2,904 |
| Retained earnings to average equity (ytd only) | 8.0967% | 885 |
| Net charge-offs to loans | 0.1144% | 2,230 |
| Credit loss provision to net charge-offs | 288.7287% | 1,019 |
| Earnings coverage of net charge-offs (x) | 29.4849% | 1,470 |
| Efficiency ratio | 80.4546% | 1,613 |
| Assets per employee ($millions) | 4.6680% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8962% | 5,096 |
| Loan loss allowance to noncurrent loans | 100.4824% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 4,693 |
| Noncurrent loans to loans | 0.8919% | 2,567 |
| Net loans and leases to total assets | 24.9071% | 5,994 |
| Net loans and leases to deposits | 28.3938% | 6,013 |
| Net loans and leases to core deposits | 85.4058% | 2,836 |
| Total domestic deposits to total assets | 87.7203% | 1,786 |
| Equity capital to assets | 9.2392% | 4,857 |
| Core capital (leverage) ratio | 8.2707% | 5,629 |
| Tier 1 risk-based capital ratio | 18.9781% | 1,706 |
| Total risk-based capital ratio | 19.5657% | 1,835 |
| Memoranda: |
| Average total assets | $2,436,926,200 | 328 |
| Average earning assets | $2,272,457,600 | 319 |
| Average equity | $233,378,200 | 370 |
| Average total loans | $666,838,600 | 706 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9866% | 5,819 |
| Cost of funding earning assets | 0.0876% | 6,097 |
| Net interest margin | 2.8990% | 5,414 |
| Noninterest income to average assets | 2.6521% | 246 |
| Noninterest expense to average assets | 4.3151% | 483 |
| Loan and lease loss provision to assets | 0.0819% | 2,534 |
| Net operating income to assets | 0.8711% | 3,081 |
| Return on assets (ROA) | 0.8515% | 3,254 |
| Pretax return on assets | 0.9345% | 3,872 |
| Return on Equity (ROE) | 8.7914% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.7914% | 979 |
| Net charge-offs to loans | 0.0799% | 2,417 |
| Credit loss provision to net charge-offs | 365.2062% | 814 |
| Earnings coverage of net charge-offs (x) | 46.2758% | 1,117 |
| Efficiency ratio | 79.2831% | 1,759 |
| Assets per employee ($millions) | 3.9640% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8779% | 5,278 |
| Loan loss allowance to noncurrent loans | 80.1820% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3085% | 4,532 |
| Noncurrent loans to loans | 1.0949% | 2,294 |
| Net loans and leases to total assets | 27.9261% | 6,028 |
| Net loans and leases to deposits | 42.2519% | 5,797 |
| Net loans and leases to core deposits | 122.0045% | 423 |
| Total domestic deposits to total assets | 66.0943% | 6,091 |
| Equity capital to assets | 10.5821% | 3,506 |
| Core capital (leverage) ratio | 8.8923% | 5,128 |
| Tier 1 risk-based capital ratio | 19.5217% | 1,662 |
| Total risk-based capital ratio | 20.1071% | 1,774 |
| Memoranda: |
| Average total assets | $2,306,281,250 | 346 |
| Average earning assets | $2,148,803,500 | 340 |
| Average equity | $223,364,000 | 385 |
| Average total loans | $647,599,750 | 729 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9923% | 5,862 |
| Cost of funding earning assets | 0.0823% | 6,189 |
| Net interest margin | 2.9100% | 5,425 |
| Noninterest income to average assets | 2.7172% | 243 |
| Noninterest expense to average assets | 4.3018% | 493 |
| Loan and lease loss provision to assets | 0.1159% | 1,908 |
| Net operating income to assets | 0.8899% | 2,937 |
| Return on assets (ROA) | 0.8953% | 3,029 |
| Pretax return on assets | 1.0315% | 3,453 |
| Return on Equity (ROE) | 9.5796% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.5796% | 763 |
| Net charge-offs to loans | 0.0917% | 2,107 |
| Credit loss provision to net charge-offs | 450.5226% | 677 |
| Earnings coverage of net charge-offs (x) | 44.3763% | 1,047 |
| Efficiency ratio | 77.9867% | 2,076 |
| Assets per employee ($millions) | 4.4581% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9475% | 5,103 |
| Loan loss allowance to noncurrent loans | 83.0490% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 4,568 |
| Noncurrent loans to loans | 1.1408% | 2,368 |
| Net loans and leases to total assets | 28.1588% | 6,094 |
| Net loans and leases to deposits | 42.7460% | 5,811 |
| Net loans and leases to core deposits | 117.0444% | 558 |
| Total domestic deposits to total assets | 65.8746% | 6,171 |
| Equity capital to assets | 9.2003% | 5,017 |
| Core capital (leverage) ratio | 8.6264% | 5,405 |
| Tier 1 risk-based capital ratio | 19.5424% | 1,655 |
| Total risk-based capital ratio | 20.1575% | 1,778 |
| Memoranda: |
| Average total assets | $2,232,037,000 | 353 |
| Average earning assets | $2,090,778,330 | 344 |
| Average equity | $208,611,000 | 404 |
| Average total loans | $625,963,000 | 751 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0608% | 5,830 |
| Cost of funding earning assets | 0.0721% | 6,290 |
| Net interest margin | 2.9887% | 5,246 |
| Noninterest income to average assets | 2.7297% | 242 |
| Noninterest expense to average assets | 4.2615% | 519 |
| Loan and lease loss provision to assets | 0.1083% | 1,901 |
| Net operating income to assets | 0.9540% | 2,482 |
| Return on assets (ROA) | 0.9566% | 2,605 |
| Pretax return on assets | 1.1722% | 2,771 |
| Return on Equity (ROE) | 10.1511% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.1511% | 884 |
| Net charge-offs to loans | 0.0675% | 2,060 |
| Credit loss provision to net charge-offs | 575.7282% | 489 |
| Earnings coverage of net charge-offs (x) | 67.9320% | 662 |
| Efficiency ratio | 75.8907% | 2,533 |
| Assets per employee ($millions) | 4.2593% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9154% | 5,392 |
| Loan loss allowance to noncurrent loans | 336.8297% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 5,644 |
| Noncurrent loans to loans | 0.2718% | 4,808 |
| Net loans and leases to total assets | 27.2038% | 6,166 |
| Net loans and leases to deposits | 35.5916% | 6,071 |
| Net loans and leases to core deposits | 111.5855% | 676 |
| Total domestic deposits to total assets | 76.4334% | 5,690 |
| Equity capital to assets | 9.6184% | 4,614 |
| Core capital (leverage) ratio | 8.3447% | 5,684 |
| Tier 1 risk-based capital ratio | 20.2082% | 1,574 |
| Total risk-based capital ratio | 20.8036% | 1,681 |
| Memoranda: |
| Average total assets | $2,191,168,500 | 359 |
| Average earning assets | $2,059,491,500 | 346 |
| Average equity | $206,480,000 | 408 |
| Average total loans | $610,063,500 | 769 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8199% | 6,193 |
| Cost of funding earning assets | 0.1130% | 6,287 |
| Net interest margin | 2.7070% | 5,928 |
| Noninterest income to average assets | 2.6600% | 219 |
| Noninterest expense to average assets | 4.1585% | 629 |
| Loan and lease loss provision to assets | 0.0613% | 3,291 |
| Net operating income to assets | 0.8546% | 3,092 |
| Return on assets (ROA) | 0.8033% | 3,450 |
| Pretax return on assets | 0.9225% | 3,814 |
| Return on Equity (ROE) | 9.3648% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.3648% | 627 |
| Net charge-offs to loans | 0.0480% | 3,866 |
| Credit loss provision to net charge-offs | 518.6147% | 505 |
| Earnings coverage of net charge-offs (x) | 88.2035% | 585 |
| Efficiency ratio | 79.7723% | 1,967 |
| Assets per employee ($millions) | 4.1989% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8772% | 5,541 |
| Loan loss allowance to noncurrent loans | 245.9981% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 5,630 |
| Noncurrent loans to loans | 0.3566% | 4,583 |
| Net loans and leases to total assets | 28.0114% | 6,237 |
| Net loans and leases to deposits | 33.0048% | 6,238 |
| Net loans and leases to core deposits | 124.4679% | 312 |
| Total domestic deposits to total assets | 84.8708% | 3,340 |
| Equity capital to assets | 9.2128% | 5,054 |
| Core capital (leverage) ratio | 8.1753% | 5,870 |
| Tier 1 risk-based capital ratio | 18.2962% | 2,057 |
| Total risk-based capital ratio | 18.8707% | 2,243 |
| Memoranda: |
| Average total assets | $1,954,004,600 | 375 |
| Average earning assets | $1,834,412,600 | 366 |
| Average equity | $167,617,200 | 472 |
| Average total loans | $481,645,800 | 921 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7773% | 6,296 |
| Cost of funding earning assets | 0.1124% | 6,367 |
| Net interest margin | 2.6650% | 6,049 |
| Noninterest income to average assets | 2.6410% | 224 |
| Noninterest expense to average assets | 4.0929% | 692 |
| Loan and lease loss provision to assets | 0.0800% | 2,749 |
| Net operating income to assets | 0.8295% | 3,292 |
| Return on assets (ROA) | 0.8359% | 3,343 |
| Pretax return on assets | 0.9801% | 3,675 |
| Return on Equity (ROE) | 9.9467% | 2,245 |
| Retained earnings to average equity (ytd only) | 9.9467% | 723 |
| Net charge-offs to loans | 0.0032% | 4,591 |
| Credit loss provision to net charge-offs | 10,454.5455% | 38 |
| Earnings coverage of net charge-offs (x) | 1,374.4717% | 46 |
| Efficiency ratio | 79.4603% | 1,995 |
| Assets per employee ($millions) | 4.5268% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0829% | 4,826 |
| Loan loss allowance to noncurrent loans | 546.8085% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 5,961 |
| Noncurrent loans to loans | 0.1980% | 5,312 |
| Net loans and leases to total assets | 24.0419% | 6,387 |
| Net loans and leases to deposits | 35.9083% | 6,244 |
| Net loans and leases to core deposits | 37.8674% | 6,239 |
| Total domestic deposits to total assets | 66.9536% | 6,381 |
| Equity capital to assets | 8.5617% | 5,752 |
| Core capital (leverage) ratio | 8.5983% | 5,554 |
| Tier 1 risk-based capital ratio | 20.9534% | 1,461 |
| Total risk-based capital ratio | 21.5945% | 1,555 |
| Memoranda: |
| Average total assets | $1,915,539,750 | 380 |
| Average earning assets | $1,800,206,250 | 366 |
| Average equity | $160,973,250 | 477 |
| Average total loans | $453,140,500 | 978 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8053% | 6,337 |
| Cost of funding earning assets | 0.1092% | 6,449 |
| Net interest margin | 2.6961% | 6,055 |
| Noninterest income to average assets | 2.7133% | 218 |
| Noninterest expense to average assets | 4.0947% | 679 |
| Loan and lease loss provision to assets | 0.0642% | 2,990 |
| Net operating income to assets | 0.9121% | 2,744 |
| Return on assets (ROA) | 0.9208% | 2,800 |
| Pretax return on assets | 1.0955% | 3,121 |
| Return on Equity (ROE) | 11.0334% | 1,732 |
| Retained earnings to average equity (ytd only) | 11.0334% | 535 |
| Net charge-offs to loans | -0.0169% | 5,484 |
| Credit loss provision to net charge-offs | -1,621.6216% | 5,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0018% | 2,290 |
| Assets per employee ($millions) | 4.3245% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0266% | 5,230 |
| Loan loss allowance to noncurrent loans | 778.2194% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 6,089 |
| Noncurrent loans to loans | 0.1319% | 5,611 |
| Net loans and leases to total assets | 24.5791% | 6,437 |
| Net loans and leases to deposits | 34.8944% | 6,325 |
| Net loans and leases to core deposits | 36.3007% | 6,318 |
| Total domestic deposits to total assets | 70.4386% | 6,336 |
| Equity capital to assets | 8.8646% | 5,453 |
| Core capital (leverage) ratio | 9.0035% | 5,008 |
| Tier 1 risk-based capital ratio | 21.5225% | 1,341 |
| Total risk-based capital ratio | 22.1310% | 1,447 |
| Memoranda: |
| Average total assets | $1,870,513,670 | 385 |
| Average earning assets | $1,755,793,330 | 371 |
| Average equity | $156,108,330 | 483 |
| Average total loans | $438,052,670 | 1,005 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7886% | 6,410 |
| Cost of funding earning assets | 0.1001% | 6,565 |
| Net interest margin | 2.6885% | 6,122 |
| Noninterest income to average assets | 2.7993% | 205 |
| Noninterest expense to average assets | 4.2394% | 579 |
| Loan and lease loss provision to assets | 0.0650% | 2,827 |
| Net operating income to assets | 0.9121% | 2,593 |
| Return on assets (ROA) | 0.9312% | 2,570 |
| Pretax return on assets | 1.0366% | 3,184 |
| Return on Equity (ROE) | 11.5310% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.5310% | 672 |
| Net charge-offs to loans | -0.0134% | 5,159 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6105% | 2,259 |
| Assets per employee ($millions) | 4.3586% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0618% | 5,281 |
| Loan loss allowance to noncurrent loans | 759.4684% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 6,178 |
| Noncurrent loans to loans | 0.1398% | 5,682 |
| Net loans and leases to total assets | 22.5729% | 6,528 |
| Net loans and leases to deposits | 28.3540% | 6,507 |
| Net loans and leases to core deposits | 28.4709% | 6,519 |
| Total domestic deposits to total assets | 79.6111% | 5,567 |
| Equity capital to assets | 8.2513% | 5,865 |
| Core capital (leverage) ratio | 8.8800% | 5,164 |
| Tier 1 risk-based capital ratio | 22.3290% | 1,241 |
| Total risk-based capital ratio | 22.9340% | 1,321 |
| Memoranda: |
| Average total assets | $1,845,728,000 | 391 |
| Average earning assets | $1,730,347,500 | 379 |
| Average equity | $149,059,000 | 503 |
| Average total loans | $418,661,500 | 1,047 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4911% | 6,617 |
| Cost of funding earning assets | 0.1420% | 6,571 |
| Net interest margin | 2.3491% | 6,486 |
| Noninterest income to average assets | 3.1647% | 212 |
| Noninterest expense to average assets | 4.2864% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8472% | 3,052 |
| Return on assets (ROA) | 0.8873% | 2,935 |
| Pretax return on assets | 1.1377% | 2,817 |
| Return on Equity (ROE) | 10.6214% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.6214% | 476 |
| Net charge-offs to loans | -0.0824% | 6,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7188% | 2,196 |
| Assets per employee ($millions) | 4.1475% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0469% | 5,358 |
| Loan loss allowance to noncurrent loans | 694.6166% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 6,026 |
| Noncurrent loans to loans | 0.1507% | 5,745 |
| Net loans and leases to total assets | 22.3082% | 6,629 |
| Net loans and leases to deposits | 28.9680% | 6,601 |
| Net loans and leases to core deposits | 29.7862% | 6,604 |
| Total domestic deposits to total assets | 77.0098% | 5,966 |
| Equity capital to assets | 7.8924% | 6,091 |
| Core capital (leverage) ratio | 9.0055% | 4,996 |
| Tier 1 risk-based capital ratio | 22.2794% | 1,209 |
| Total risk-based capital ratio | 22.8562% | 1,295 |
| Memoranda: |
| Average total assets | $1,730,011,600 | 400 |
| Average earning assets | $1,626,123,200 | 386 |
| Average equity | $144,528,600 | 502 |
| Average total loans | $357,956,000 | 1,194 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4284% | 6,722 |
| Cost of funding earning assets | 0.1469% | 6,649 |
| Net interest margin | 2.2815% | 6,599 |
| Noninterest income to average assets | 3.2086% | 221 |
| Noninterest expense to average assets | 4.3332% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7988% | 3,349 |
| Return on assets (ROA) | 0.8530% | 3,198 |
| Pretax return on assets | 1.0928% | 3,143 |
| Return on Equity (ROE) | 10.0644% | 2,153 |
| Retained earnings to average equity (ytd only) | 10.0644% | 777 |
| Net charge-offs to loans | 0.0127% | 4,885 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 398.0205% | 147 |
| Efficiency ratio | 80.8340% | 1,995 |
| Assets per employee ($millions) | 3.9104% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0225% | 5,627 |
| Loan loss allowance to noncurrent loans | 567.9191% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 6,320 |
| Noncurrent loans to loans | 0.1800% | 5,789 |
| Net loans and leases to total assets | 22.5199% | 6,710 |
| Net loans and leases to deposits | 28.7265% | 6,688 |
| Net loans and leases to core deposits | 30.0924% | 6,681 |
| Total domestic deposits to total assets | 78.3940% | 5,844 |
| Equity capital to assets | 8.4176% | 5,819 |
| Core capital (leverage) ratio | 9.3803% | 4,560 |
| Tier 1 risk-based capital ratio | 22.4407% | 1,239 |
| Total risk-based capital ratio | 22.9914% | 1,336 |
| Memoranda: |
| Average total assets | $1,711,471,000 | 404 |
| Average earning assets | $1,611,152,000 | 391 |
| Average equity | $145,062,750 | 508 |
| Average total loans | $345,761,000 | 1,232 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4100% | 6,765 |
| Cost of funding earning assets | 0.1538% | 6,694 |
| Net interest margin | 2.2563% | 6,653 |
| Noninterest income to average assets | 3.2342% | 228 |
| Noninterest expense to average assets | 4.4304% | 561 |
| Loan and lease loss provision to assets | -0.0349% | 6,622 |
| Net operating income to assets | 0.7700% | 3,466 |
| Return on assets (ROA) | 0.8488% | 3,200 |
| Pretax return on assets | 1.0661% | 3,237 |
| Return on Equity (ROE) | 9.9920% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.9920% | 843 |
| Net charge-offs to loans | -0.0042% | 5,604 |
| Credit loss provision to net charge-offs | 4,285.7143% | 70 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5541% | 1,815 |
| Assets per employee ($millions) | 3.8275% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0705% | 5,549 |
| Loan loss allowance to noncurrent loans | 439.5210% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 6,347 |
| Noncurrent loans to loans | 0.2436% | 5,696 |
| Net loans and leases to total assets | 20.4647% | 6,785 |
| Net loans and leases to deposits | 23.9423% | 6,805 |
| Net loans and leases to core deposits | 24.7049% | 6,804 |
| Total domestic deposits to total assets | 85.4750% | 3,652 |
| Equity capital to assets | 8.1998% | 6,057 |
| Core capital (leverage) ratio | 9.0535% | 4,905 |
| Tier 1 risk-based capital ratio | 22.1074% | 1,265 |
| Total risk-based capital ratio | 22.6431% | 1,375 |
| Memoranda: |
| Average total assets | $1,718,861,330 | 401 |
| Average earning assets | $1,621,715,670 | 386 |
| Average equity | $146,017,330 | 507 |
| Average total loans | $332,895,330 | 1,278 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3469% | 6,853 |
| Cost of funding earning assets | 0.1683% | 6,738 |
| Net interest margin | 2.1786% | 6,772 |
| Noninterest income to average assets | 3.3760% | 215 |
| Noninterest expense to average assets | 4.6423% | 478 |
| Loan and lease loss provision to assets | -0.0686% | 6,810 |
| Net operating income to assets | 0.7141% | 3,624 |
| Return on assets (ROA) | 0.7752% | 3,443 |
| Pretax return on assets | 0.9383% | 3,620 |
| Return on Equity (ROE) | 8.9781% | 2,498 |
| Retained earnings to average equity (ytd only) | 8.9781% | 1,389 |
| Net charge-offs to loans | -0.0525% | 6,157 |
| Credit loss provision to net charge-offs | 697.6744% | 407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3035% | 1,608 |
| Assets per employee ($millions) | 4.0608% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1075% | 5,573 |
| Loan loss allowance to noncurrent loans | 197.2326% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 6,251 |
| Noncurrent loans to loans | 0.5615% | 5,036 |
| Net loans and leases to total assets | 19.0406% | 6,869 |
| Net loans and leases to deposits | 21.2340% | 6,894 |
| Net loans and leases to core deposits | 21.3156% | 6,897 |
| Total domestic deposits to total assets | 89.6704% | 1,252 |
| Equity capital to assets | 8.6370% | 5,875 |
| Core capital (leverage) ratio | 8.5061% | 5,584 |
| Tier 1 risk-based capital ratio | 22.0763% | 1,318 |
| Total risk-based capital ratio | 22.6305% | 1,426 |
| Memoranda: |
| Average total assets | $1,749,639,500 | 398 |
| Average earning assets | $1,656,329,500 | 386 |
| Average equity | $151,078,500 | 495 |
| Average total loans | $327,927,000 | 1,296 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4910% | 6,941 |
| Cost of funding earning assets | 0.1955% | 6,845 |
| Net interest margin | 2.2955% | 6,840 |
| Noninterest income to average assets | 3.3451% | 218 |
| Noninterest expense to average assets | 4.7027% | 476 |
| Loan and lease loss provision to assets | 0.0222% | 5,621 |
| Net operating income to assets | 0.5197% | 4,601 |
| Return on assets (ROA) | 1.1204% | 2,036 |
| Pretax return on assets | 1.7095% | 1,112 |
| Return on Equity (ROE) | 14.6278% | 886 |
| Retained earnings to average equity (ytd only) | 14.6278% | 172 |
| Net charge-offs to loans | 0.2905% | 3,199 |
| Credit loss provision to net charge-offs | 36.7647% | 4,994 |
| Earnings coverage of net charge-offs (x) | 13.6176% | 1,808 |
| Efficiency ratio | 85.0682% | 1,508 |
| Assets per employee ($millions) | 4.1736% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2337% | 4,962 |
| Loan loss allowance to noncurrent loans | 225.4266% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 6,336 |
| Noncurrent loans to loans | 0.5473% | 5,162 |
| Net loans and leases to total assets | 18.0130% | 6,950 |
| Net loans and leases to deposits | 24.0574% | 6,930 |
| Net loans and leases to core deposits | 24.1665% | 6,930 |
| Total domestic deposits to total assets | 74.8749% | 6,457 |
| Equity capital to assets | 8.6327% | 5,928 |
| Core capital (leverage) ratio | 8.2296% | 5,961 |
| Tier 1 risk-based capital ratio | 21.6361% | 1,331 |
| Total risk-based capital ratio | 22.2303% | 1,439 |
| Memoranda: |
| Average total assets | $1,577,799,000 | 430 |
| Average earning assets | $1,497,914,800 | 408 |
| Average equity | $120,845,400 | 594 |
| Average total loans | $327,681,400 | 1,283 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5352% | 7,042 |
| Cost of funding earning assets | 0.2031% | 6,946 |
| Net interest margin | 2.3321% | 6,927 |
| Noninterest income to average assets | 3.5738% | 200 |
| Noninterest expense to average assets | 4.9108% | 383 |
| Loan and lease loss provision to assets | 0.0305% | 5,399 |
| Net operating income to assets | 0.5377% | 4,671 |
| Return on assets (ROA) | 1.2454% | 1,757 |
| Pretax return on assets | 1.9545% | 770 |
| Return on Equity (ROE) | 16.8766% | 623 |
| Retained earnings to average equity (ytd only) | 16.8766% | 156 |
| Net charge-offs to loans | 0.3822% | 2,567 |
| Credit loss provision to net charge-offs | 37.0763% | 4,679 |
| Earnings coverage of net charge-offs (x) | 10.7012% | 2,155 |
| Efficiency ratio | 84.7623% | 1,502 |
| Assets per employee ($millions) | 4.0170% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1999% | 5,281 |
| Loan loss allowance to noncurrent loans | 219.2711% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 6,315 |
| Noncurrent loans to loans | 0.5472% | 5,347 |
| Net loans and leases to total assets | 19.8536% | 7,027 |
| Net loans and leases to deposits | 23.6211% | 7,046 |
| Net loans and leases to core deposits | 23.7273% | 7,052 |
| Total domestic deposits to total assets | 84.0503% | 4,191 |
| Equity capital to assets | 9.1465% | 5,651 |
| Core capital (leverage) ratio | 8.5609% | 5,676 |
| Tier 1 risk-based capital ratio | 22.9421% | 1,179 |
| Total risk-based capital ratio | 23.5924% | 1,253 |
| Memoranda: |
| Average total assets | $1,531,930,000 | 437 |
| Average earning assets | $1,455,841,500 | 417 |
| Average equity | $113,045,250 | 635 |
| Average total loans | $329,296,500 | 1,291 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7437% | 7,065 |
| Cost of funding earning assets | 0.2118% | 7,008 |
| Net interest margin | 2.5320% | 6,862 |
| Noninterest income to average assets | 3.9422% | 187 |
| Noninterest expense to average assets | 5.1112% | 347 |
| Loan and lease loss provision to assets | 0.0469% | 5,088 |
| Net operating income to assets | 0.7366% | 3,668 |
| Return on assets (ROA) | 1.6777% | 793 |
| Pretax return on assets | 2.6578% | 234 |
| Return on Equity (ROE) | 24.9299% | 151 |
| Retained earnings to average equity (ytd only) | 24.9299% | 57 |
| Net charge-offs to loans | 0.2975% | 2,834 |
| Credit loss provision to net charge-offs | 71.5746% | 3,517 |
| Earnings coverage of net charge-offs (x) | 18.8487% | 1,463 |
| Efficiency ratio | 80.5052% | 2,100 |
| Assets per employee ($millions) | 3.7979% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3119% | 4,843 |
| Loan loss allowance to noncurrent loans | 90.1426% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 5,840 |
| Noncurrent loans to loans | 1.4554% | 3,725 |
| Net loans and leases to total assets | 21.8077% | 7,061 |
| Net loans and leases to deposits | 24.6273% | 7,085 |
| Net loans and leases to core deposits | 24.7300% | 7,093 |
| Total domestic deposits to total assets | 88.5508% | 1,787 |
| Equity capital to assets | 7.4035% | 6,820 |
| Core capital (leverage) ratio | 7.0652% | 6,799 |
| Tier 1 risk-based capital ratio | 17.6234% | 2,429 |
| Total risk-based capital ratio | 18.3492% | 2,586 |
| Memoranda: |
| Average total assets | $1,493,585,670 | 449 |
| Average earning assets | $1,417,624,670 | 429 |
| Average equity | $100,513,670 | 709 |
| Average total loans | $328,744,670 | 1,292 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9481% | 7,062 |
| Cost of funding earning assets | 0.2196% | 7,071 |
| Net interest margin | 2.7286% | 6,743 |
| Noninterest income to average assets | 4.1636% | 159 |
| Noninterest expense to average assets | 5.4478% | 277 |
| Loan and lease loss provision to assets | 0.0542% | 4,731 |
| Net operating income to assets | 0.7586% | 3,581 |
| Return on assets (ROA) | 2.7312% | 160 |
| Pretax return on assets | 4.3252% | 72 |
| Return on Equity (ROE) | 42.7990% | 43 |
| Retained earnings to average equity (ytd only) | 42.7990% | 28 |
| Net charge-offs to loans | 0.0037% | 4,703 |
| Credit loss provision to net charge-offs | 6,666.6667% | 32 |
| Earnings coverage of net charge-offs (x) | 1,596.6667% | 8 |
| Efficiency ratio | 80.7356% | 2,113 |
| Assets per employee ($millions) | 4.0195% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4587% | 4,342 |
| Loan loss allowance to noncurrent loans | 73.9211% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 5,420 |
| Noncurrent loans to loans | 1.9734% | 3,196 |
| Net loans and leases to total assets | 20.1591% | 7,137 |
| Net loans and leases to deposits | 22.1424% | 7,165 |
| Net loans and leases to core deposits | 22.2241% | 7,176 |
| Total domestic deposits to total assets | 91.0431% | 540 |
| Equity capital to assets | 5.9736% | 7,079 |
| Core capital (leverage) ratio | 5.8735% | 7,051 |
| Tier 1 risk-based capital ratio | 15.3621% | 3,522 |
| Total risk-based capital ratio | 16.1435% | 3,794 |
| Memoranda: |
| Average total assets | $1,477,006,000 | 453 |
| Average earning assets | $1,397,366,000 | 435 |
| Average equity | $94,254,500 | 748 |
| Average total loans | $324,430,000 | 1,305 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4752% | 7,007 |
| Cost of funding earning assets | 0.3470% | 7,018 |
| Net interest margin | 3.1282% | 6,275 |
| Noninterest income to average assets | 4.5280% | 137 |
| Noninterest expense to average assets | 6.6039% | 167 |
| Loan and lease loss provision to assets | 0.0835% | 5,566 |
| Net operating income to assets | 0.4885% | 4,472 |
| Return on assets (ROA) | 0.5918% | 4,219 |
| Pretax return on assets | 0.9393% | 3,470 |
| Return on Equity (ROE) | 8.3470% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.3470% | 972 |
| Net charge-offs to loans | 0.3665% | 3,570 |
| Credit loss provision to net charge-offs | 83.5411% | 4,298 |
| Earnings coverage of net charge-offs (x) | 8.6193% | 2,118 |
| Efficiency ratio | 88.1712% | 1,350 |
| Assets per employee ($millions) | 3.4562% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4159% | 4,389 |
| Loan loss allowance to noncurrent loans | 43.6258% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 4,496 |
| Noncurrent loans to loans | 3.2455% | 1,994 |
| Net loans and leases to total assets | 23.4007% | 7,163 |
| Net loans and leases to deposits | 25.9326% | 7,189 |
| Net loans and leases to core deposits | 26.0343% | 7,198 |
| Total domestic deposits to total assets | 90.2367% | 862 |
| Equity capital to assets | 6.8606% | 6,994 |
| Core capital (leverage) ratio | 6.2106% | 7,026 |
| Tier 1 risk-based capital ratio | 17.6222% | 2,336 |
| Total risk-based capital ratio | 18.5825% | 2,423 |
| Memoranda: |
| Average total assets | $1,203,644,000 | 542 |
| Average earning assets | $1,130,229,600 | 521 |
| Average equity | $85,335,600 | 787 |
| Average total loans | $328,225,600 | 1,294 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5908% | 7,031 |
| Cost of funding earning assets | 0.3736% | 7,080 |
| Net interest margin | 3.2173% | 6,120 |
| Noninterest income to average assets | 4.6050% | 138 |
| Noninterest expense to average assets | 6.9672% | 142 |
| Loan and lease loss provision to assets | 0.0350% | 6,000 |
| Net operating income to assets | 0.3841% | 5,067 |
| Return on assets (ROA) | 0.4494% | 4,974 |
| Pretax return on assets | 0.7211% | 4,397 |
| Return on Equity (ROE) | 6.2801% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.2801% | 2,382 |
| Net charge-offs to loans | 0.0578% | 5,387 |
| Credit loss provision to net charge-offs | 213.9860% | 1,352 |
| Earnings coverage of net charge-offs (x) | 39.9654% | 771 |
| Efficiency ratio | 91.0305% | 1,108 |
| Assets per employee ($millions) | 3.2779% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5425% | 3,911 |
| Loan loss allowance to noncurrent loans | 37.3012% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 1.2437% | 4,314 |
| Noncurrent loans to loans | 4.1351% | 1,596 |
| Net loans and leases to total assets | 24.6598% | 7,217 |
| Net loans and leases to deposits | 27.5266% | 7,252 |
| Net loans and leases to core deposits | 27.6834% | 7,258 |
| Total domestic deposits to total assets | 89.5852% | 1,100 |
| Equity capital to assets | 6.9388% | 7,065 |
| Core capital (leverage) ratio | 6.3769% | 7,089 |
| Tier 1 risk-based capital ratio | 18.9665% | 1,949 |
| Total risk-based capital ratio | 20.1224% | 1,942 |
| Memoranda: |
| Average total assets | $1,164,984,000 | 562 |
| Average earning assets | $1,092,196,000 | 543 |
| Average equity | $83,372,750 | 810 |
| Average total loans | $329,678,750 | 1,291 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7249% | 6,995 |
| Cost of funding earning assets | 0.3958% | 7,134 |
| Net interest margin | 3.3292% | 5,772 |
| Noninterest income to average assets | 4.7759% | 137 |
| Noninterest expense to average assets | 7.4267% | 125 |
| Loan and lease loss provision to assets | 0.0094% | 6,146 |
| Net operating income to assets | 0.2729% | 5,472 |
| Return on assets (ROA) | 0.3446% | 5,332 |
| Pretax return on assets | 0.5624% | 4,874 |
| Return on Equity (ROE) | 4.7605% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.7605% | 3,150 |
| Net charge-offs to loans | -0.0396% | 6,991 |
| Credit loss provision to net charge-offs | -80.3030% | 6,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1269% | 970 |
| Assets per employee ($millions) | 2.7176% | 6,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5388% | 3,949 |
| Loan loss allowance to noncurrent loans | 35.0140% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 1.5194% | 3,920 |
| Noncurrent loans to loans | 4.3949% | 1,531 |
| Net loans and leases to total assets | 29.0998% | 7,210 |
| Net loans and leases to deposits | 33.6263% | 7,233 |
| Net loans and leases to core deposits | 33.8156% | 7,257 |
| Total domestic deposits to total assets | 86.5387% | 3,019 |
| Equity capital to assets | 8.0339% | 6,657 |
| Core capital (leverage) ratio | 7.3876% | 6,819 |
| Tier 1 risk-based capital ratio | 18.8528% | 1,890 |
| Total risk-based capital ratio | 20.0216% | 1,879 |
| Memoranda: |
| Average total assets | $1,128,280,000 | 593 |
| Average earning assets | $1,054,193,670 | 571 |
| Average equity | $81,671,670 | 822 |
| Average total loans | $333,117,670 | 1,301 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5634% | 7,167 |
| Cost of funding earning assets | 0.3877% | 7,242 |
| Net interest margin | 3.1756% | 6,148 |
| Noninterest income to average assets | 6.3677% | 110 |
| Noninterest expense to average assets | 7.8792% | 112 |
| Loan and lease loss provision to assets | 0.0741% | 5,073 |
| Net operating income to assets | 0.8527% | 2,768 |
| Return on assets (ROA) | 0.9926% | 2,259 |
| Pretax return on assets | 1.6011% | 1,189 |
| Return on Equity (ROE) | 14.4505% | 914 |
| Retained earnings to average equity (ytd only) | 14.4505% | 439 |
| Net charge-offs to loans | 0.2768% | 2,960 |
| Credit loss provision to net charge-offs | 90.6780% | 2,937 |
| Earnings coverage of net charge-offs (x) | 17.8305% | 1,210 |
| Efficiency ratio | 84.3288% | 1,918 |
| Assets per employee ($millions) | 2.9562% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4159% | 4,582 |
| Loan loss allowance to noncurrent loans | 28.4796% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 1.4614% | 4,070 |
| Noncurrent loans to loans | 4.9716% | 1,361 |
| Net loans and leases to total assets | 27.9155% | 7,300 |
| Net loans and leases to deposits | 31.5014% | 7,333 |
| Net loans and leases to core deposits | 31.6740% | 7,360 |
| Total domestic deposits to total assets | 88.6166% | 2,008 |
| Equity capital to assets | 6.8213% | 7,137 |
| Core capital (leverage) ratio | 6.7605% | 7,095 |
| Tier 1 risk-based capital ratio | 18.4320% | 1,978 |
| Total risk-based capital ratio | 19.5259% | 1,983 |
| Memoranda: |
| Average total assets | $1,155,699,000 | 582 |
| Average earning assets | $1,080,102,500 | 561 |
| Average equity | $79,388,000 | 840 |
| Average total loans | $341,051,000 | 1,280 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3368% | 6,717 |
| Cost of funding earning assets | 0.5569% | 7,214 |
| Net interest margin | 3.7798% | 4,029 |
| Noninterest income to average assets | 8.9043% | 72 |
| Noninterest expense to average assets | 9.2145% | 93 |
| Loan and lease loss provision to assets | 1.1032% | 1,445 |
| Net operating income to assets | 1.2214% | 1,367 |
| Return on assets (ROA) | 1.2725% | 1,307 |
| Pretax return on assets | 2.1292% | 372 |
| Return on Equity (ROE) | 17.8229% | 391 |
| Retained earnings to average equity (ytd only) | 17.8229% | 76 |
| Net charge-offs to loans | 4.7889% | 203 |
| Credit loss provision to net charge-offs | 59.8756% | 6,085 |
| Earnings coverage of net charge-offs (x) | 1.7110% | 4,437 |
| Efficiency ratio | 73.0577% | 3,586 |
| Assets per employee ($millions) | 2.7943% | 6,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3716% | 4,648 |
| Loan loss allowance to noncurrent loans | 45.5746% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9919% | 5,027 |
| Noncurrent loans to loans | 3.0095% | 2,541 |
| Net loans and leases to total assets | 30.3391% | 7,340 |
| Net loans and leases to deposits | 34.1220% | 7,393 |
| Net loans and leases to core deposits | 34.4183% | 7,417 |
| Total domestic deposits to total assets | 88.9136% | 1,708 |
| Equity capital to assets | 6.9195% | 7,138 |
| Core capital (leverage) ratio | 6.8283% | 7,098 |
| Tier 1 risk-based capital ratio | 18.5458% | 1,828 |
| Total risk-based capital ratio | 19.6928% | 1,824 |
| Memoranda: |
| Average total assets | $1,003,528,800 | 663 |
| Average earning assets | $919,325,800 | 656 |
| Average equity | $71,649,400 | 939 |
| Average total loans | $386,102,600 | 1,167 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5321% | 6,522 |
| Cost of funding earning assets | 0.5865% | 7,316 |
| Net interest margin | 3.9456% | 3,342 |
| Noninterest income to average assets | 10.2634% | 61 |
| Noninterest expense to average assets | 9.7621% | 82 |
| Loan and lease loss provision to assets | 1.5222% | 867 |
| Net operating income to assets | 1.6018% | 744 |
| Return on assets (ROA) | 1.6269% | 772 |
| Pretax return on assets | 2.6164% | 194 |
| Return on Equity (ROE) | 22.5850% | 179 |
| Retained earnings to average equity (ytd only) | 22.5850% | 52 |
| Net charge-offs to loans | 6.0792% | 94 |
| Credit loss provision to net charge-offs | 61.5005% | 5,651 |
| Earnings coverage of net charge-offs (x) | 1.6563% | 4,464 |
| Efficiency ratio | 70.1935% | 4,023 |
| Assets per employee ($millions) | 2.4790% | 7,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4092% | 4,411 |
| Loan loss allowance to noncurrent loans | 63.4270% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 5,346 |
| Noncurrent loans to loans | 2.2217% | 3,421 |
| Net loans and leases to total assets | 35.5950% | 7,280 |
| Net loans and leases to deposits | 40.7744% | 7,350 |
| Net loans and leases to core deposits | 42.4702% | 7,363 |
| Total domestic deposits to total assets | 87.2974% | 2,375 |
| Equity capital to assets | 7.6692% | 7,022 |
| Core capital (leverage) ratio | 7.2855% | 7,017 |
| Tier 1 risk-based capital ratio | 17.5718% | 2,151 |
| Total risk-based capital ratio | 18.8040% | 2,130 |
| Memoranda: |
| Average total assets | $972,184,250 | 680 |
| Average earning assets | $886,577,000 | 678 |
| Average equity | $70,033,000 | 958 |
| Average total loans | $395,812,500 | 1,149 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7569% | 5,944 |
| Cost of funding earning assets | 0.6036% | 7,401 |
| Net interest margin | 4.1533% | 2,323 |
| Noninterest income to average assets | 11.7489% | 58 |
| Noninterest expense to average assets | 10.3936% | 73 |
| Loan and lease loss provision to assets | 2.1162% | 579 |
| Net operating income to assets | 1.8695% | 426 |
| Return on assets (ROA) | 1.9016% | 440 |
| Pretax return on assets | 3.0556% | 122 |
| Return on Equity (ROE) | 27.0254% | 87 |
| Retained earnings to average equity (ytd only) | 27.0254% | 35 |
| Net charge-offs to loans | 8.4810% | 51 |
| Credit loss provision to net charge-offs | 58.8884% | 5,229 |
| Earnings coverage of net charge-offs (x) | 1.4252% | 4,418 |
| Efficiency ratio | 66.8596% | 4,801 |
| Assets per employee ($millions) | 2.3440% | 7,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3565% | 4,647 |
| Loan loss allowance to noncurrent loans | 92.0817% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 5,922 |
| Noncurrent loans to loans | 1.4732% | 4,494 |
| Net loans and leases to total assets | 38.8910% | 7,224 |
| Net loans and leases to deposits | 50.3149% | 7,055 |
| Net loans and leases to core deposits | 52.5150% | 7,110 |
| Total domestic deposits to total assets | 77.2951% | 6,434 |
| Equity capital to assets | 8.0596% | 6,688 |
| Core capital (leverage) ratio | 7.5109% | 6,817 |
| Tier 1 risk-based capital ratio | 16.4117% | 2,511 |
| Total risk-based capital ratio | 17.5873% | 2,484 |
| Memoranda: |
| Average total assets | $953,318,330 | 699 |
| Average earning assets | $864,513,330 | 696 |
| Average equity | $67,077,670 | 993 |
| Average total loans | $403,940,330 | 1,142 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8413% | 5,720 |
| Cost of funding earning assets | 0.5890% | 7,551 |
| Net interest margin | 4.2523% | 1,846 |
| Noninterest income to average assets | 15.8294% | 44 |
| Noninterest expense to average assets | 12.0596% | 63 |
| Loan and lease loss provision to assets | 3.9931% | 218 |
| Net operating income to assets | 2.2695% | 223 |
| Return on assets (ROA) | 2.2695% | 248 |
| Pretax return on assets | 3.6303% | 94 |
| Return on Equity (ROE) | 34.8177% | 53 |
| Retained earnings to average equity (ytd only) | 34.8177% | 40 |
| Net charge-offs to loans | 3.9754% | 330 |
| Credit loss provision to net charge-offs | 228.9925% | 1,665 |
| Earnings coverage of net charge-offs (x) | 4.3718% | 2,642 |
| Efficiency ratio | 61.1879% | 5,968 |
| Assets per employee ($millions) | 2.3962% | 7,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3784% | 278 |
| Loan loss allowance to noncurrent loans | 206.0567% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9233% | 5,302 |
| Noncurrent loans to loans | 2.1249% | 3,618 |
| Net loans and leases to total assets | 38.9494% | 7,308 |
| Net loans and leases to deposits | 48.9633% | 7,184 |
| Net loans and leases to core deposits | 49.5106% | 7,301 |
| Total domestic deposits to total assets | 79.5480% | 5,930 |
| Equity capital to assets | 6.9780% | 7,384 |
| Core capital (leverage) ratio | 6.9358% | 7,290 |
| Tier 1 risk-based capital ratio | 14.7367% | 3,236 |
| Total risk-based capital ratio | 16.0181% | 3,184 |
| Memoranda: |
| Average total assets | $949,449,500 | 715 |
| Average earning assets | $860,422,000 | 713 |
| Average equity | $61,888,000 | 1,080 |
| Average total loans | $416,458,500 | 1,127 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8112% | 6,928 |
| Cost of funding earning assets | 1.0023% | 7,200 |
| Net interest margin | 3.8089% | 3,665 |
| Noninterest income to average assets | 9.7871% | 71 |
| Noninterest expense to average assets | 10.8957% | 90 |
| Loan and lease loss provision to assets | 2.4630% | 809 |
| Net operating income to assets | -0.1840% | 5,826 |
| Return on assets (ROA) | 0.0097% | 5,504 |
| Pretax return on assets | 0.0420% | 5,344 |
| Return on Equity (ROE) | 0.1522% | 5,491 |
| Retained earnings to average equity (ytd only) | -0.9351% | 5,238 |
| Net charge-offs to loans | 3.9608% | 426 |
| Credit loss provision to net charge-offs | 126.3811% | 4,120 |
| Earnings coverage of net charge-offs (x) | 1.1300% | 4,986 |
| Efficiency ratio | 82.8102% | 2,500 |
| Assets per employee ($millions) | 1.9923% | 7,733 |
| Cash dividends to net income (ytd only)* | 714.2857% | 36 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8150% | 919 |
| Loan loss allowance to noncurrent loans | 87.8488% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.5752% | 4,017 |
| Noncurrent loans to loans | 3.2044% | 2,384 |
| Net loans and leases to total assets | 45.8895% | 6,987 |
| Net loans and leases to deposits | 51.8289% | 7,157 |
| Net loans and leases to core deposits | 54.4510% | 7,459 |
| Total domestic deposits to total assets | 88.5405% | 1,707 |
| Equity capital to assets | 6.0256% | 7,661 |
| Core capital (leverage) ratio | 6.1343% | 7,602 |
| Tier 1 risk-based capital ratio | 11.2606% | 5,650 |
| Total risk-based capital ratio | 12.5252% | 5,589 |
| Memoranda: |
| Average total assets | $863,770,000 | 787 |
| Average earning assets | $750,856,000 | 827 |
| Average equity | $55,179,400 | 1,191 |
| Average total loans | $425,016,000 | 1,129 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0440% | 6,466 |
| Cost of funding earning assets | 1.0783% | 7,224 |
| Net interest margin | 3.9657% | 2,960 |
| Noninterest income to average assets | 10.0138% | 72 |
| Noninterest expense to average assets | 11.2151% | 91 |
| Loan and lease loss provision to assets | 2.5995% | 627 |
| Net operating income to assets | -0.2865% | 6,180 |
| Return on assets (ROA) | -0.1994% | 6,073 |
| Pretax return on assets | -0.2745% | 6,072 |
| Return on Equity (ROE) | -3.0741% | 6,255 |
| Retained earnings to average equity (ytd only) | -3.0741% | 5,951 |
| Net charge-offs to loans | 5.4620% | 183 |
| Credit loss provision to net charge-offs | 95.6843% | 5,316 |
| Earnings coverage of net charge-offs (x) | 0.8119% | 5,239 |
| Efficiency ratio | 83.0682% | 2,419 |
| Assets per employee ($millions) | 1.7832% | 7,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7530% | 2,435 |
| Loan loss allowance to noncurrent loans | 55.2850% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.6304% | 3,915 |
| Noncurrent loans to loans | 3.1709% | 2,383 |
| Net loans and leases to total assets | 46.9626% | 7,037 |
| Net loans and leases to deposits | 59.9320% | 6,832 |
| Net loans and leases to core deposits | 64.7078% | 7,215 |
| Total domestic deposits to total assets | 78.3598% | 5,991 |
| Equity capital to assets | 6.7499% | 7,690 |
| Core capital (leverage) ratio | 6.6920% | 7,588 |
| Tier 1 risk-based capital ratio | 11.7555% | 5,195 |
| Total risk-based capital ratio | 13.0055% | 5,143 |
| Memoranda: |
| Average total assets | $850,593,250 | 812 |
| Average earning assets | $730,776,750 | 864 |
| Average equity | $55,168,500 | 1,207 |
| Average total loans | $423,082,750 | 1,156 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0617% | 6,575 |
| Cost of funding earning assets | 1.1384% | 7,278 |
| Net interest margin | 3.9233% | 3,002 |
| Noninterest income to average assets | 11.8921% | 63 |
| Noninterest expense to average assets | 11.6652% | 95 |
| Loan and lease loss provision to assets | 3.8664% | 335 |
| Net operating income to assets | -0.2212% | 6,220 |
| Return on assets (ROA) | -0.1879% | 6,196 |
| Pretax return on assets | -0.2792% | 6,214 |
| Return on Equity (ROE) | -2.9353% | 6,355 |
| Retained earnings to average equity (ytd only) | -2.9353% | 5,963 |
| Net charge-offs to loans | 7.0339% | 133 |
| Credit loss provision to net charge-offs | 109.1275% | 4,236 |
| Earnings coverage of net charge-offs (x) | 0.9984% | 4,789 |
| Efficiency ratio | 76.7318% | 3,561 |
| Assets per employee ($millions) | 1.9037% | 7,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2158% | 1,215 |
| Loan loss allowance to noncurrent loans | 53.0215% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 2.0975% | 3,062 |
| Noncurrent loans to loans | 4.1791% | 1,592 |
| Net loans and leases to total assets | 49.0781% | 6,956 |
| Net loans and leases to deposits | 60.7586% | 6,833 |
| Net loans and leases to core deposits | 65.0898% | 7,249 |
| Total domestic deposits to total assets | 80.7755% | 5,161 |
| Equity capital to assets | 6.5086% | 7,817 |
| Core capital (leverage) ratio | 6.8023% | 7,652 |
| Tier 1 risk-based capital ratio | 10.4438% | 6,432 |
| Total risk-based capital ratio | 11.6994% | 6,377 |
| Memoranda: |
| Average total assets | $855,944,330 | 821 |
| Average earning assets | $722,245,330 | 887 |
| Average equity | $54,781,000 | 1,227 |
| Average total loans | $431,138,670 | 1,157 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1425% | 6,514 |
| Cost of funding earning assets | 1.1639% | 7,381 |
| Net interest margin | 3.9786% | 2,735 |
| Noninterest income to average assets | 15.8715% | 48 |
| Noninterest expense to average assets | 13.3904% | 78 |
| Loan and lease loss provision to assets | 4.7020% | 184 |
| Net operating income to assets | 0.6983% | 3,567 |
| Return on assets (ROA) | 0.7010% | 3,745 |
| Pretax return on assets | 1.1245% | 2,894 |
| Return on Equity (ROE) | 11.0402% | 1,952 |
| Retained earnings to average equity (ytd only) | 11.0402% | 961 |
| Net charge-offs to loans | 6.1587% | 151 |
| Credit loss provision to net charge-offs | 151.3187% | 2,757 |
| Earnings coverage of net charge-offs (x) | 1.8737% | 3,790 |
| Efficiency ratio | 69.6955% | 4,643 |
| Assets per employee ($millions) | 1.9601% | 7,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6072% | 679 |
| Loan loss allowance to noncurrent loans | 154.6218% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 5,142 |
| Noncurrent loans to loans | 1.6862% | 3,726 |
| Net loans and leases to total assets | 47.1166% | 7,093 |
| Net loans and leases to deposits | 61.0333% | 6,810 |
| Net loans and leases to core deposits | 65.3224% | 7,261 |
| Total domestic deposits to total assets | 77.1981% | 6,229 |
| Equity capital to assets | 6.2901% | 7,938 |
| Core capital (leverage) ratio | 6.5430% | 7,862 |
| Tier 1 risk-based capital ratio | 10.4222% | 6,473 |
| Total risk-based capital ratio | 11.6815% | 6,371 |
| Memoranda: |
| Average total assets | $873,669,000 | 806 |
| Average earning assets | $733,732,500 | 871 |
| Average equity | $55,470,000 | 1,228 |
| Average total loans | $440,804,000 | 1,144 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5673% | 7,162 |
| Cost of funding earning assets | 1.7112% | 7,234 |
| Net interest margin | 3.8560% | 3,770 |
| Noninterest income to average assets | 5.7834% | 110 |
| Noninterest expense to average assets | 8.4849% | 198 |
| Loan and lease loss provision to assets | 0.6307% | 2,306 |
| Net operating income to assets | -0.0369% | 6,419 |
| Return on assets (ROA) | 0.0690% | 6,040 |
| Pretax return on assets | 0.0706% | 6,008 |
| Return on Equity (ROE) | 1.0030% | 5,913 |
| Retained earnings to average equity (ytd only) | 1.0030% | 4,627 |
| Net charge-offs to loans | 0.3797% | 2,937 |
| Credit loss provision to net charge-offs | 310.2932% | 1,452 |
| Earnings coverage of net charge-offs (x) | 2.9189% | 4,622 |
| Efficiency ratio | 93.4650% | 1,303 |
| Assets per employee ($millions) | 1.9622% | 7,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7160% | 1,862 |
| Loan loss allowance to noncurrent loans | 47.0234% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 1.9198% | 2,556 |
| Noncurrent loans to loans | 3.6492% | 1,384 |
| Net loans and leases to total assets | 51.7065% | 6,871 |
| Net loans and leases to deposits | 62.2446% | 6,927 |
| Net loans and leases to core deposits | 68.2621% | 7,273 |
| Total domestic deposits to total assets | 83.0699% | 3,736 |
| Equity capital to assets | 6.4103% | 7,966 |
| Core capital (leverage) ratio | 6.6290% | 7,885 |
| Tier 1 risk-based capital ratio | 9.4132% | 7,399 |
| Total risk-based capital ratio | 10.6633% | 7,316 |
| Memoranda: |
| Average total assets | $788,693,000 | 859 |
| Average earning assets | $673,902,400 | 902 |
| Average equity | $54,235,200 | 1,243 |
| Average total loans | $422,209,800 | 1,134 |
