Home > Pinnacle Bank > Performance and Condition Ratios
Pinnacle Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 3,549 |
| Cost of funding earning assets | 2.0497% | 1,783 |
| Net interest margin | 2.6928% | 3,845 |
| Noninterest income to average assets | 0.4700% | 1,878 |
| Noninterest expense to average assets | 1.7298% | 4,005 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.0949% | 2,017 |
| Return on assets (ROA) | 1.0949% | 2,020 |
| Pretax return on assets | 1.2487% | 2,114 |
| Return on Equity (ROE) | 12.7900% | 1,539 |
| Retained earnings to average equity (ytd only) | 12.7881% | 654 |
| Net charge-offs to loans | 0.0049% | 2,082 |
| Credit loss provision to net charge-offs | 1,494.7368% | 263 |
| Earnings coverage of net charge-offs (x) | 358.1447% | 267 |
| Efficiency ratio | 57.0692% | 3,296 |
| Assets per employee ($millions) | 9.5216% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 2,481 |
| Loan loss allowance to noncurrent loans | 916.4719% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,522 |
| Noncurrent loans to loans | 0.1252% | 3,048 |
| Net loans and leases to total assets | 72.7400% | 1,496 |
| Net loans and leases to deposits | 82.6401% | 1,824 |
| Net loans and leases to core deposits | 89.2022% | 2,100 |
| Total domestic deposits to total assets | 88.0200% | 1,547 |
| Equity capital to assets | 8.7294% | 3,139 |
| Core capital (leverage) ratio | 9.8270% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0228% | 2,197 |
| Memoranda: | ||
| Average total assets | $8,366,794,500 | 189 |
| Average earning assets | $7,966,856,000 | 178 |
| Average equity | $716,319,500 | 223 |
| Average total loans | $6,195,919,500 | 179 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 3,362 |
| Cost of funding earning assets | 2.5524% | 1,048 |
| Net interest margin | 2.2875% | 4,087 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 1.6647% | 4,125 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 0.7600% | 2,801 |
| Return on assets (ROA) | 0.7600% | 2,820 |
| Pretax return on assets | 0.9425% | 2,688 |
| Return on Equity (ROE) | 9.7400% | 2,228 |
| Retained earnings to average equity (ytd only) | 4.9328% | 2,259 |
| Net charge-offs to loans | 0.0520% | 1,620 |
| Credit loss provision to net charge-offs | 227.7368% | 1,053 |
| Earnings coverage of net charge-offs (x) | 28.0645% | 1,580 |
| Efficiency ratio | 61.7959% | 2,972 |
| Assets per employee ($millions) | 9.2807% | 962 |
| Cash dividends to net income (ytd only)* | 49.3690% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 2,480 |
| Loan loss allowance to noncurrent loans | 966.2545% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,470 |
| Noncurrent loans to loans | 0.1180% | 3,049 |
| Net loans and leases to total assets | 73.6800% | 1,445 |
| Net loans and leases to deposits | 84.0692% | 1,770 |
| Net loans and leases to core deposits | 90.7721% | 2,060 |
| Total domestic deposits to total assets | 87.6400% | 1,657 |
| Equity capital to assets | 8.3899% | 3,289 |
| Core capital (leverage) ratio | 9.3094% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7662% | 2,297 |
| Memoranda: | ||
| Average total assets | $8,528,710,000 | 188 |
| Average earning assets | $8,130,365,400 | 175 |
| Average equity | $665,300,400 | 230 |
| Average total loans | $5,989,174,400 | 184 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 3,366 |
| Cost of funding earning assets | 2.6073% | 970 |
| Net interest margin | 2.2031% | 4,166 |
| Noninterest income to average assets | 0.4500% | 2,130 |
| Noninterest expense to average assets | 1.6532% | 4,124 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.6676% | 3,062 |
| Return on assets (ROA) | 0.6677% | 3,080 |
| Pretax return on assets | 0.8144% | 3,003 |
| Return on Equity (ROE) | 8.7200% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.2729% | 2,363 |
| Net charge-offs to loans | 0.0682% | 1,223 |
| Credit loss provision to net charge-offs | 197.4030% | 1,092 |
| Earnings coverage of net charge-offs (x) | 19.0822% | 1,784 |
| Efficiency ratio | 64.5947% | 2,645 |
| Assets per employee ($millions) | 10.1416% | 733 |
| Cash dividends to net income (ytd only)* | 39.5147% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 2,485 |
| Loan loss allowance to noncurrent loans | 631.3929% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 2,463 |
| Noncurrent loans to loans | 0.1821% | 2,816 |
| Net loans and leases to total assets | 66.7600% | 2,239 |
| Net loans and leases to deposits | 81.5659% | 2,020 |
| Net loans and leases to core deposits | 87.3955% | 2,325 |
| Total domestic deposits to total assets | 81.8500% | 3,138 |
| Equity capital to assets | 7.8685% | 3,789 |
| Core capital (leverage) ratio | 8.9882% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8457% | 2,298 |
| Memoranda: | ||
| Average total assets | $8,591,293,500 | 182 |
| Average earning assets | $8,191,696,500 | 174 |
| Average equity | $657,988,500 | 232 |
| Average total loans | $5,943,978,750 | 184 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 3,341 |
| Cost of funding earning assets | 2.6147% | 906 |
| Net interest margin | 2.1490% | 4,208 |
| Noninterest income to average assets | 0.4500% | 2,091 |
| Noninterest expense to average assets | 1.7074% | 4,073 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.6299% | 3,113 |
| Return on assets (ROA) | 0.6299% | 3,147 |
| Pretax return on assets | 0.7465% | 3,126 |
| Return on Equity (ROE) | 8.3000% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.3039% | 1,284 |
| Net charge-offs to loans | 0.0492% | 1,300 |
| Credit loss provision to net charge-offs | 175.7388% | 1,104 |
| Earnings coverage of net charge-offs (x) | 23.0151% | 1,550 |
| Efficiency ratio | 68.1652% | 2,311 |
| Assets per employee ($millions) | 9.5647% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 2,644 |
| Loan loss allowance to noncurrent loans | 230.1474% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 1,546 |
| Noncurrent loans to loans | 0.4892% | 1,784 |
| Net loans and leases to total assets | 68.6600% | 2,051 |
| Net loans and leases to deposits | 83.9845% | 1,839 |
| Net loans and leases to core deposits | 89.2975% | 2,188 |
| Total domestic deposits to total assets | 81.7600% | 3,137 |
| Equity capital to assets | 7.6294% | 3,658 |
| Core capital (leverage) ratio | 9.0696% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8705% | 2,299 |
| Memoranda: | ||
| Average total assets | $8,480,180,333 | 183 |
| Average earning assets | $8,086,887,333 | 176 |
| Average equity | $643,238,667 | 231 |
| Average total loans | $5,916,152,333 | 184 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 3,276 |
| Cost of funding earning assets | 2.6225% | 815 |
| Net interest margin | 2.1060% | 4,251 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 1.7530% | 4,021 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.6307% | 3,067 |
| Return on assets (ROA) | 0.6307% | 3,089 |
| Pretax return on assets | 0.6821% | 3,200 |
| Return on Equity (ROE) | 8.3400% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.3397% | 1,467 |
| Net charge-offs to loans | -0.0231% | 4,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.3007% | 2,009 |
| Assets per employee ($millions) | 9.7628% | 787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 2,561 |
| Loan loss allowance to noncurrent loans | 380.4573% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 2,262 |
| Noncurrent loans to loans | 0.3011% | 2,236 |
| Net loans and leases to total assets | 67.7000% | 2,042 |
| Net loans and leases to deposits | 83.1724% | 1,783 |
| Net loans and leases to core deposits | 88.1284% | 2,162 |
| Total domestic deposits to total assets | 81.3900% | 3,300 |
| Equity capital to assets | 7.4386% | 3,711 |
| Core capital (leverage) ratio | 8.9770% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8189% | 2,306 |
| Memoranda: | ||
| Average total assets | $8,406,601,500 | 187 |
| Average earning assets | $8,014,073,500 | 179 |
| Average equity | $635,752,000 | 236 |
| Average total loans | $5,878,674,000 | 186 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 3,509 |
| Cost of funding earning assets | 1.7905% | 1,023 |
| Net interest margin | 2.3863% | 4,245 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.8169% | 3,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7578% | 3,141 |
| Return on assets (ROA) | 0.7542% | 3,149 |
| Pretax return on assets | 0.9249% | 3,047 |
| Return on Equity (ROE) | 10.4600% | 2,511 |
| Retained earnings to average equity (ytd only) | 10.4594% | 1,276 |
| Net charge-offs to loans | 0.0072% | 2,167 |
| Credit loss provision to net charge-offs | 85.3333% | 1,729 |
| Earnings coverage of net charge-offs (x) | 184.8867% | 634 |
| Efficiency ratio | 65.8569% | 2,298 |
| Assets per employee ($millions) | 9.2315% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 2,489 |
| Loan loss allowance to noncurrent loans | 629.1207% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 2,688 |
| Noncurrent loans to loans | 0.1871% | 2,613 |
| Net loans and leases to total assets | 68.5000% | 1,998 |
| Net loans and leases to deposits | 84.5336% | 1,695 |
| Net loans and leases to core deposits | 89.1960% | 1,984 |
| Total domestic deposits to total assets | 81.0300% | 3,382 |
| Equity capital to assets | 7.0494% | 3,586 |
| Core capital (leverage) ratio | 9.3675% | 3,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7918% | 2,349 |
| Memoranda: | ||
| Average total assets | $7,921,762,250 | 191 |
| Average earning assets | $7,514,387,250 | 181 |
| Average equity | $571,210,250 | 240 |
| Average total loans | $5,527,919,250 | 189 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 3,540 |
| Cost of funding earning assets | 1.6078% | 1,044 |
| Net interest margin | 2.4653% | 4,246 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 1.8457% | 3,918 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8015% | 3,074 |
| Return on assets (ROA) | 0.7959% | 3,100 |
| Pretax return on assets | 0.9522% | 3,042 |
| Return on Equity (ROE) | 10.9500% | 2,433 |
| Retained earnings to average equity (ytd only) | 10.9519% | 1,193 |
| Net charge-offs to loans | 0.0048% | 2,102 |
| Credit loss provision to net charge-offs | 187.7863% | 1,079 |
| Earnings coverage of net charge-offs (x) | 287.8626% | 464 |
| Efficiency ratio | 65.4629% | 2,315 |
| Assets per employee ($millions) | 8.7670% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 2,435 |
| Loan loss allowance to noncurrent loans | 397.1720% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 2,123 |
| Noncurrent loans to loans | 0.3023% | 2,050 |
| Net loans and leases to total assets | 69.7600% | 1,773 |
| Net loans and leases to deposits | 84.2176% | 1,653 |
| Net loans and leases to core deposits | 89.0755% | 1,863 |
| Total domestic deposits to total assets | 82.8300% | 3,084 |
| Equity capital to assets | 7.3366% | 3,615 |
| Core capital (leverage) ratio | 9.3997% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6197% | 2,426 |
| Memoranda: | ||
| Average total assets | $7,814,447,667 | 187 |
| Average earning assets | $7,411,363,333 | 179 |
| Average equity | $567,903,000 | 236 |
| Average total loans | $5,465,833,333 | 185 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 3,565 |
| Cost of funding earning assets | 1.4149% | 1,001 |
| Net interest margin | 2.5314% | 4,274 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.9221% | 3,806 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.8344% | 3,077 |
| Return on assets (ROA) | 0.8222% | 3,076 |
| Pretax return on assets | 0.9139% | 3,196 |
| Return on Equity (ROE) | 11.3700% | 2,382 |
| Retained earnings to average equity (ytd only) | 11.3695% | 1,382 |
| Net charge-offs to loans | 0.0035% | 1,877 |
| Credit loss provision to net charge-offs | 485.1064% | 561 |
| Earnings coverage of net charge-offs (x) | 386.9787% | 287 |
| Efficiency ratio | 66.9759% | 2,092 |
| Assets per employee ($millions) | 8.6018% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,312 |
| Loan loss allowance to noncurrent loans | 528.6587% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,356 |
| Noncurrent loans to loans | 0.2358% | 2,324 |
| Net loans and leases to total assets | 68.8100% | 1,749 |
| Net loans and leases to deposits | 79.9989% | 1,815 |
| Net loans and leases to core deposits | 84.1100% | 1,977 |
| Total domestic deposits to total assets | 86.0100% | 2,586 |
| Equity capital to assets | 7.4662% | 3,579 |
| Core capital (leverage) ratio | 9.4056% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8062% | 2,465 |
| Memoranda: | ||
| Average total assets | $7,745,832,500 | 194 |
| Average earning assets | $7,333,189,500 | 186 |
| Average equity | $560,163,500 | 245 |
| Average total loans | $5,391,560,500 | 191 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4315% | 3,266 |
| Cost of funding earning assets | 0.4088% | 2,016 |
| Net interest margin | 3.0227% | 3,388 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.8098% | 4,015 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2105% | 1,735 |
| Return on assets (ROA) | 1.2105% | 1,679 |
| Pretax return on assets | 1.5377% | 1,333 |
| Return on Equity (ROE) | 15.2100% | 1,209 |
| Retained earnings to average equity (ytd only) | 3.6540% | 3,518 |
| Net charge-offs to loans | 0.0043% | 2,292 |
| Credit loss provision to net charge-offs | 999.0698% | 436 |
| Earnings coverage of net charge-offs (x) | 554.4000% | 312 |
| Efficiency ratio | 53.4420% | 3,841 |
| Assets per employee ($millions) | 8.6691% | 1,027 |
| Cash dividends to net income (ytd only)* | 75.9713% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 2,128 |
| Loan loss allowance to noncurrent loans | 461.6973% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 2,234 |
| Noncurrent loans to loans | 0.2714% | 2,182 |
| Net loans and leases to total assets | 68.6600% | 1,769 |
| Net loans and leases to deposits | 83.4945% | 1,501 |
| Net loans and leases to core deposits | 86.2875% | 1,730 |
| Total domestic deposits to total assets | 82.2300% | 3,581 |
| Equity capital to assets | 6.9961% | 3,672 |
| Core capital (leverage) ratio | 9.3816% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5960% | 2,530 |
| Memoranda: | ||
| Average total assets | $7,611,967,800 | 196 |
| Average earning assets | $7,236,252,600 | 185 |
| Average equity | $605,913,600 | 233 |
| Average total loans | $4,982,570,200 | 197 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 3,147 |
| Cost of funding earning assets | 0.2493% | 2,716 |
| Net interest margin | 3.0633% | 3,043 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.8177% | 3,951 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.2675% | 1,462 |
| Return on assets (ROA) | 1.2675% | 1,428 |
| Pretax return on assets | 1.5961% | 1,127 |
| Return on Equity (ROE) | 15.4500% | 1,090 |
| Retained earnings to average equity (ytd only) | 15.4466% | 328 |
| Net charge-offs to loans | 0.0035% | 2,091 |
| Credit loss provision to net charge-offs | 950.0000% | 419 |
| Earnings coverage of net charge-offs (x) | 707.8846% | 228 |
| Efficiency ratio | 52.7398% | 3,949 |
| Assets per employee ($millions) | 8.4795% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,028 |
| Loan loss allowance to noncurrent loans | 557.6726% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 2,510 |
| Noncurrent loans to loans | 0.2330% | 2,457 |
| Net loans and leases to total assets | 67.0500% | 1,778 |
| Net loans and leases to deposits | 76.1146% | 1,867 |
| Net loans and leases to core deposits | 78.8609% | 1,983 |
| Total domestic deposits to total assets | 88.0900% | 2,399 |
| Equity capital to assets | 7.5757% | 3,168 |
| Core capital (leverage) ratio | 10.2117% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0543% | 2,036 |
| Memoranda: | ||
| Average total assets | $7,583,910,250 | 195 |
| Average earning assets | $7,222,634,750 | 187 |
| Average equity | $622,293,250 | 233 |
| Average total loans | $4,885,503,750 | 198 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1942% | 3,064 |
| Cost of funding earning assets | 0.2070% | 2,823 |
| Net interest margin | 2.9871% | 2,917 |
| Noninterest income to average assets | 0.5105% | 2,140 |
| Noninterest expense to average assets | 1.8209% | 3,903 |
| Loan and lease loss provision to assets | 0.0162% | 2,309 |
| Net operating income to assets | 1.2323% | 1,324 |
| Return on assets (ROA) | 1.2323% | 1,303 |
| Pretax return on assets | 1.5248% | 1,110 |
| Return on Equity (ROE) | 14.6465% | 969 |
| Retained earnings to average equity (ytd only) | 14.6465% | 296 |
| Net charge-offs to loans | 0.0027% | 1,983 |
| Credit loss provision to net charge-offs | 949.2308% | 423 |
| Earnings coverage of net charge-offs (x) | 901.1231% | 148 |
| Efficiency ratio | 53.9903% | 3,967 |
| Assets per employee ($millions) | 8.1791% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 1,978 |
| Loan loss allowance to noncurrent loans | 447.3734% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 2,322 |
| Noncurrent loans to loans | 0.3008% | 2,262 |
| Net loans and leases to total assets | 65.7988% | 1,724 |
| Net loans and leases to deposits | 73.6961% | 1,899 |
| Net loans and leases to core deposits | 76.5425% | 1,969 |
| Total domestic deposits to total assets | 89.2840% | 2,052 |
| Equity capital to assets | 8.1868% | 2,978 |
| Core capital (leverage) ratio | 9.8065% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1638% | 1,991 |
| Memoranda: | ||
| Average total assets | $7,601,954,333 | 192 |
| Average earning assets | $7,256,550,667 | 184 |
| Average equity | $639,579,333 | 225 |
| Average total loans | $4,808,991,000 | 195 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0493% | 3,111 |
| Cost of funding earning assets | 0.1924% | 2,902 |
| Net interest margin | 2.8568% | 2,965 |
| Noninterest income to average assets | 0.5204% | 2,043 |
| Noninterest expense to average assets | 1.8601% | 3,779 |
| Loan and lease loss provision to assets | 0.0003% | 2,284 |
| Net operating income to assets | 1.1864% | 1,277 |
| Return on assets (ROA) | 1.1864% | 1,276 |
| Pretax return on assets | 1.3915% | 1,273 |
| Return on Equity (ROE) | 13.9234% | 847 |
| Retained earnings to average equity (ytd only) | 13.9234% | 384 |
| Net charge-offs to loans | 0.0055% | 1,556 |
| Credit loss provision to net charge-offs | 7.5758% | 1,320 |
| Earnings coverage of net charge-offs (x) | 407.5303% | 250 |
| Efficiency ratio | 57.0260% | 3,782 |
| Assets per employee ($millions) | 8.4171% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 2,038 |
| Loan loss allowance to noncurrent loans | 423.1387% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 2,413 |
| Noncurrent loans to loans | 0.3232% | 2,314 |
| Net loans and leases to total assets | 61.8881% | 1,871 |
| Net loans and leases to deposits | 69.0068% | 2,049 |
| Net loans and leases to core deposits | 71.5033% | 2,153 |
| Total domestic deposits to total assets | 89.6841% | 1,724 |
| Equity capital to assets | 8.1463% | 3,451 |
| Core capital (leverage) ratio | 9.4802% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0577% | 2,177 |
| Memoranda: | ||
| Average total assets | $7,730,520,000 | 190 |
| Average earning assets | $7,391,038,500 | 186 |
| Average equity | $658,716,500 | 225 |
| Average total loans | $4,764,126,000 | 197 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3311% | 3,108 |
| Cost of funding earning assets | 0.2384% | 3,061 |
| Net interest margin | 3.0928% | 2,927 |
| Noninterest income to average assets | 0.6209% | 2,071 |
| Noninterest expense to average assets | 1.8244% | 4,097 |
| Loan and lease loss provision to assets | 0.0176% | 2,718 |
| Net operating income to assets | 1.3799% | 1,348 |
| Return on assets (ROA) | 1.3799% | 1,399 |
| Pretax return on assets | 1.7415% | 1,043 |
| Return on Equity (ROE) | 14.4508% | 1,073 |
| Retained earnings to average equity (ytd only) | 13.7089% | 332 |
| Net charge-offs to loans | -0.0023% | 3,388 |
| Credit loss provision to net charge-offs | -1,182.8571% | 3,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6562% | 4,234 |
| Assets per employee ($millions) | 8.9635% | 926 |
| Cash dividends to net income (ytd only)* | 5.1341% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 2,024 |
| Loan loss allowance to noncurrent loans | 719.5509% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 3,119 |
| Noncurrent loans to loans | 0.1911% | 2,991 |
| Net loans and leases to total assets | 59.7108% | 2,184 |
| Net loans and leases to deposits | 67.1232% | 2,389 |
| Net loans and leases to core deposits | 69.5312% | 2,498 |
| Total domestic deposits to total assets | 88.9571% | 1,535 |
| Equity capital to assets | 8.8840% | 3,734 |
| Core capital (leverage) ratio | 9.4262% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0959% | 2,201 |
| Memoranda: | ||
| Average total assets | $7,057,786,400 | 207 |
| Average earning assets | $6,760,732,600 | 195 |
| Average equity | $673,927,800 | 223 |
| Average total loans | $4,565,741,400 | 200 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 2,982 |
| Cost of funding earning assets | 0.2512% | 3,115 |
| Net interest margin | 3.1910% | 2,755 |
| Noninterest income to average assets | 0.6581% | 1,983 |
| Noninterest expense to average assets | 1.8643% | 4,026 |
| Loan and lease loss provision to assets | 0.0192% | 2,621 |
| Net operating income to assets | 1.4584% | 1,367 |
| Return on assets (ROA) | 1.4584% | 1,426 |
| Pretax return on assets | 1.8297% | 1,093 |
| Return on Equity (ROE) | 14.9749% | 1,143 |
| Retained earnings to average equity (ytd only) | 14.9749% | 399 |
| Net charge-offs to loans | -0.0046% | 3,407 |
| Credit loss provision to net charge-offs | -636.1290% | 3,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9555% | 4,226 |
| Assets per employee ($millions) | 8.2100% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 1,915 |
| Loan loss allowance to noncurrent loans | 659.5607% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 3,218 |
| Noncurrent loans to loans | 0.2162% | 3,087 |
| Net loans and leases to total assets | 61.2304% | 2,110 |
| Net loans and leases to deposits | 69.5118% | 2,287 |
| Net loans and leases to core deposits | 72.1318% | 2,414 |
| Total domestic deposits to total assets | 88.0863% | 1,790 |
| Equity capital to assets | 9.4812% | 3,392 |
| Core capital (leverage) ratio | 9.6829% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2749% | 2,265 |
| Memoranda: | ||
| Average total assets | $6,859,232,250 | 210 |
| Average earning assets | $6,566,841,250 | 200 |
| Average equity | $668,016,000 | 225 |
| Average total loans | $4,518,712,000 | 202 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5950% | 2,636 |
| Cost of funding earning assets | 0.2632% | 3,159 |
| Net interest margin | 3.3318% | 2,345 |
| Noninterest income to average assets | 0.7739% | 1,602 |
| Noninterest expense to average assets | 2.0215% | 3,630 |
| Loan and lease loss provision to assets | 0.0205% | 2,555 |
| Net operating income to assets | 1.5495% | 1,171 |
| Return on assets (ROA) | 1.5495% | 1,229 |
| Pretax return on assets | 1.9199% | 976 |
| Return on Equity (ROE) | 15.7574% | 1,006 |
| Retained earnings to average equity (ytd only) | 15.7574% | 354 |
| Net charge-offs to loans | -0.0036% | 3,330 |
| Credit loss provision to net charge-offs | -856.2500% | 3,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7813% | 4,166 |
| Assets per employee ($millions) | 7.7495% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,859 |
| Loan loss allowance to noncurrent loans | 553.6450% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 3,141 |
| Noncurrent loans to loans | 0.2579% | 3,017 |
| Net loans and leases to total assets | 64.2054% | 1,926 |
| Net loans and leases to deposits | 73.1266% | 2,089 |
| Net loans and leases to core deposits | 75.8903% | 2,247 |
| Total domestic deposits to total assets | 87.8004% | 1,934 |
| Equity capital to assets | 9.7536% | 3,091 |
| Core capital (leverage) ratio | 9.5517% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1961% | 2,294 |
| Memoranda: | ||
| Average total assets | $6,693,580,333 | 213 |
| Average earning assets | $6,404,701,000 | 203 |
| Average equity | $658,203,667 | 225 |
| Average total loans | $4,501,823,000 | 205 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 2,319 |
| Cost of funding earning assets | 0.2755% | 3,218 |
| Net interest margin | 3.4435% | 1,984 |
| Noninterest income to average assets | 0.8481% | 1,466 |
| Noninterest expense to average assets | 2.1079% | 3,400 |
| Loan and lease loss provision to assets | 0.0041% | 2,699 |
| Net operating income to assets | 1.6896% | 960 |
| Return on assets (ROA) | 1.6896% | 1,011 |
| Pretax return on assets | 2.0281% | 908 |
| Return on Equity (ROE) | 17.1083% | 832 |
| Retained earnings to average equity (ytd only) | 17.1083% | 417 |
| Net charge-offs to loans | 0.0214% | 1,308 |
| Credit loss provision to net charge-offs | 28.3333% | 1,390 |
| Earnings coverage of net charge-offs (x) | 138.8083% | 509 |
| Efficiency ratio | 50.6756% | 4,129 |
| Assets per employee ($millions) | 7.4959% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 1,852 |
| Loan loss allowance to noncurrent loans | 585.7877% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 3,362 |
| Noncurrent loans to loans | 0.2435% | 3,227 |
| Net loans and leases to total assets | 64.8899% | 1,931 |
| Net loans and leases to deposits | 76.0921% | 1,899 |
| Net loans and leases to core deposits | 79.0918% | 2,089 |
| Total domestic deposits to total assets | 85.2781% | 3,002 |
| Equity capital to assets | 9.6191% | 3,082 |
| Core capital (leverage) ratio | 9.8158% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1161% | 2,242 |
| Memoranda: | ||
| Average total assets | $6,556,954,000 | 219 |
| Average earning assets | $6,268,595,000 | 207 |
| Average equity | $647,545,500 | 224 |
| Average total loans | $4,483,800,500 | 207 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,173 |
| Cost of funding earning assets | 0.4693% | 3,155 |
| Net interest margin | 3.3779% | 2,843 |
| Noninterest income to average assets | 0.7895% | 1,562 |
| Noninterest expense to average assets | 2.1175% | 3,895 |
| Loan and lease loss provision to assets | 0.1362% | 2,657 |
| Net operating income to assets | 1.3856% | 1,054 |
| Return on assets (ROA) | 1.3856% | 1,145 |
| Pretax return on assets | 1.7521% | 761 |
| Return on Equity (ROE) | 13.3816% | 946 |
| Retained earnings to average equity (ytd only) | 9.3659% | 700 |
| Net charge-offs to loans | 0.0027% | 3,289 |
| Credit loss provision to net charge-offs | 6,858.9744% | 159 |
| Earnings coverage of net charge-offs (x) | 950.9402% | 125 |
| Efficiency ratio | 52.5817% | 4,342 |
| Assets per employee ($millions) | 7.0403% | 1,559 |
| Cash dividends to net income (ytd only)* | 30.0091% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,868 |
| Loan loss allowance to noncurrent loans | 584.5234% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 3,409 |
| Noncurrent loans to loans | 0.2438% | 3,322 |
| Net loans and leases to total assets | 70.1176% | 1,549 |
| Net loans and leases to deposits | 82.4756% | 1,604 |
| Net loans and leases to core deposits | 85.9364% | 1,875 |
| Total domestic deposits to total assets | 85.0162% | 2,754 |
| Equity capital to assets | 10.1520% | 2,980 |
| Core capital (leverage) ratio | 9.7763% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4618% | 2,468 |
| Memoranda: | ||
| Average total assets | $5,892,034,600 | 223 |
| Average earning assets | $5,610,005,000 | 214 |
| Average equity | $610,108,000 | 228 |
| Average total loans | $4,322,773,800 | 209 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 3,174 |
| Cost of funding earning assets | 0.5205% | 3,111 |
| Net interest margin | 3.4060% | 2,901 |
| Noninterest income to average assets | 0.7577% | 1,628 |
| Noninterest expense to average assets | 2.1310% | 3,873 |
| Loan and lease loss provision to assets | 0.1597% | 2,402 |
| Net operating income to assets | 1.3619% | 1,193 |
| Return on assets (ROA) | 1.3619% | 1,295 |
| Pretax return on assets | 1.7080% | 958 |
| Return on Equity (ROE) | 13.0823% | 1,086 |
| Retained earnings to average equity (ytd only) | 11.4222% | 503 |
| Net charge-offs to loans | -0.0017% | 3,865 |
| Credit loss provision to net charge-offs | -13,079.2453% | 4,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0058% | 4,252 |
| Assets per employee ($millions) | 6.9675% | 1,526 |
| Cash dividends to net income (ytd only)* | 12.6897% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,668 |
| Loan loss allowance to noncurrent loans | 573.1650% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 3,359 |
| Noncurrent loans to loans | 0.2471% | 3,417 |
| Net loans and leases to total assets | 70.6754% | 1,859 |
| Net loans and leases to deposits | 84.3754% | 1,868 |
| Net loans and leases to core deposits | 88.0043% | 2,146 |
| Total domestic deposits to total assets | 83.7631% | 2,905 |
| Equity capital to assets | 10.2429% | 3,020 |
| Core capital (leverage) ratio | 9.8150% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6715% | 2,337 |
| Memoranda: | ||
| Average total assets | $5,786,255,250 | 224 |
| Average earning assets | $5,505,812,250 | 216 |
| Average equity | $602,356,250 | 227 |
| Average total loans | $4,280,454,250 | 209 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 3,216 |
| Cost of funding earning assets | 0.5991% | 2,969 |
| Net interest margin | 3.4428% | 2,968 |
| Noninterest income to average assets | 0.7179% | 1,673 |
| Noninterest expense to average assets | 2.1877% | 3,824 |
| Loan and lease loss provision to assets | 0.1366% | 2,652 |
| Net operating income to assets | 1.3505% | 1,220 |
| Return on assets (ROA) | 1.3505% | 1,314 |
| Pretax return on assets | 1.6652% | 1,063 |
| Return on Equity (ROE) | 12.8967% | 1,123 |
| Retained earnings to average equity (ytd only) | 10.3583% | 724 |
| Net charge-offs to loans | 0.0031% | 2,883 |
| Credit loss provision to net charge-offs | 5,840.9091% | 202 |
| Earnings coverage of net charge-offs (x) | 770.3182% | 122 |
| Efficiency ratio | 54.5384% | 4,110 |
| Assets per employee ($millions) | 6.8169% | 1,551 |
| Cash dividends to net income (ytd only)* | 19.6819% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 1,788 |
| Loan loss allowance to noncurrent loans | 329.0918% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 2,946 |
| Noncurrent loans to loans | 0.4095% | 2,936 |
| Net loans and leases to total assets | 71.9422% | 1,717 |
| Net loans and leases to deposits | 85.9890% | 1,766 |
| Net loans and leases to core deposits | 89.8534% | 2,082 |
| Total domestic deposits to total assets | 83.6644% | 2,863 |
| Equity capital to assets | 10.0946% | 3,112 |
| Core capital (leverage) ratio | 9.8610% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5255% | 2,387 |
| Memoranda: | ||
| Average total assets | $5,643,350,667 | 223 |
| Average earning assets | $5,362,782,000 | 218 |
| Average equity | $590,944,000 | 230 |
| Average total loans | $4,222,089,000 | 209 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 3,128 |
| Cost of funding earning assets | 0.7502% | 2,669 |
| Net interest margin | 3.4771% | 3,058 |
| Noninterest income to average assets | 0.7093% | 1,620 |
| Noninterest expense to average assets | 2.3434% | 3,671 |
| Loan and lease loss provision to assets | 0.0809% | 2,695 |
| Net operating income to assets | 1.3467% | 1,118 |
| Return on assets (ROA) | 1.3467% | 1,205 |
| Pretax return on assets | 1.5783% | 1,117 |
| Return on Equity (ROE) | 12.6058% | 956 |
| Retained earnings to average equity (ytd only) | 10.1870% | 708 |
| Net charge-offs to loans | 0.0037% | 2,453 |
| Credit loss provision to net charge-offs | 2,884.2105% | 270 |
| Earnings coverage of net charge-offs (x) | 591.3947% | 98 |
| Efficiency ratio | 58.2377% | 3,967 |
| Assets per employee ($millions) | 6.1819% | 1,530 |
| Cash dividends to net income (ytd only)* | 19.1875% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 1,757 |
| Loan loss allowance to noncurrent loans | 303.7082% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 2,894 |
| Noncurrent loans to loans | 0.4557% | 2,886 |
| Net loans and leases to total assets | 74.0415% | 1,595 |
| Net loans and leases to deposits | 86.7070% | 1,910 |
| Net loans and leases to core deposits | 91.1253% | 2,235 |
| Total domestic deposits to total assets | 85.3928% | 2,252 |
| Equity capital to assets | 10.7070% | 3,130 |
| Core capital (leverage) ratio | 10.3803% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1212% | 2,647 |
| Memoranda: | ||
| Average total assets | $5,417,851,500 | 225 |
| Average earning assets | $5,131,485,000 | 218 |
| Average equity | $578,814,500 | 234 |
| Average total loans | $4,110,981,000 | 208 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 3,047 |
| Cost of funding earning assets | 0.8652% | 2,356 |
| Net interest margin | 3.6034% | 3,126 |
| Noninterest income to average assets | 0.7557% | 1,605 |
| Noninterest expense to average assets | 2.2899% | 3,966 |
| Loan and lease loss provision to assets | 0.0427% | 3,153 |
| Net operating income to assets | 1.4449% | 1,204 |
| Return on assets (ROA) | 1.4449% | 1,270 |
| Pretax return on assets | 1.8168% | 897 |
| Return on Equity (ROE) | 13.6593% | 968 |
| Retained earnings to average equity (ytd only) | 12.3444% | 215 |
| Net charge-offs to loans | 0.0301% | 2,798 |
| Credit loss provision to net charge-offs | 180.3691% | 1,450 |
| Earnings coverage of net charge-offs (x) | 78.5084% | 803 |
| Efficiency ratio | 54.4626% | 4,380 |
| Assets per employee ($millions) | 6.0680% | 1,587 |
| Cash dividends to net income (ytd only)* | 9.6265% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 1,624 |
| Loan loss allowance to noncurrent loans | 659.0979% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 3,702 |
| Noncurrent loans to loans | 0.2081% | 3,712 |
| Net loans and leases to total assets | 75.6495% | 1,475 |
| Net loans and leases to deposits | 88.4032% | 1,785 |
| Net loans and leases to core deposits | 92.7127% | 2,185 |
| Total domestic deposits to total assets | 85.5733% | 2,253 |
| Equity capital to assets | 10.6592% | 3,298 |
| Core capital (leverage) ratio | 10.3205% | 3,168 |
| Tier 1 risk-based capital ratio | 11.8448% | 4,453 |
| Total risk-based capital ratio | 13.0634% | 4,340 |
| Memoranda: | ||
| Average total assets | $5,032,619,600 | 224 |
| Average earning assets | $4,739,787,800 | 217 |
| Average equity | $532,356,800 | 240 |
| Average total loans | $3,959,524,200 | 209 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 3,076 |
| Cost of funding earning assets | 0.8639% | 2,391 |
| Net interest margin | 3.6302% | 3,170 |
| Noninterest income to average assets | 0.7583% | 1,565 |
| Noninterest expense to average assets | 2.3263% | 3,882 |
| Loan and lease loss provision to assets | 0.0267% | 3,365 |
| Net operating income to assets | 1.4600% | 1,304 |
| Return on assets (ROA) | 1.4600% | 1,352 |
| Pretax return on assets | 1.8199% | 1,037 |
| Return on Equity (ROE) | 13.8303% | 1,019 |
| Retained earnings to average equity (ytd only) | 12.0468% | 379 |
| Net charge-offs to loans | 0.0422% | 2,248 |
| Credit loss provision to net charge-offs | 79.8712% | 2,508 |
| Earnings coverage of net charge-offs (x) | 55.2801% | 1,121 |
| Efficiency ratio | 55.0174% | 4,282 |
| Assets per employee ($millions) | 6.0535% | 1,570 |
| Cash dividends to net income (ytd only)* | 12.8954% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 1,697 |
| Loan loss allowance to noncurrent loans | 529.4725% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 3,626 |
| Noncurrent loans to loans | 0.2583% | 3,617 |
| Net loans and leases to total assets | 76.2410% | 1,439 |
| Net loans and leases to deposits | 89.3065% | 1,776 |
| Net loans and leases to core deposits | 93.5684% | 2,215 |
| Total domestic deposits to total assets | 85.3700% | 2,263 |
| Equity capital to assets | 10.6229% | 3,441 |
| Core capital (leverage) ratio | 10.4276% | 3,159 |
| Tier 1 risk-based capital ratio | 11.5206% | 4,660 |
| Total risk-based capital ratio | 12.7218% | 4,582 |
| Memoranda: | ||
| Average total assets | $4,957,328,750 | 228 |
| Average earning assets | $4,662,787,250 | 222 |
| Average equity | $523,311,500 | 245 |
| Average total loans | $3,926,632,750 | 212 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 3,141 |
| Cost of funding earning assets | 0.8370% | 2,464 |
| Net interest margin | 3.6239% | 3,182 |
| Noninterest income to average assets | 0.7349% | 1,581 |
| Noninterest expense to average assets | 2.3713% | 3,815 |
| Loan and lease loss provision to assets | 0.0164% | 3,458 |
| Net operating income to assets | 1.4368% | 1,331 |
| Return on assets (ROA) | 1.4368% | 1,378 |
| Pretax return on assets | 1.7587% | 1,153 |
| Return on Equity (ROE) | 13.6414% | 1,066 |
| Retained earnings to average equity (ytd only) | 10.9168% | 555 |
| Net charge-offs to loans | 0.0084% | 2,844 |
| Credit loss provision to net charge-offs | 245.3988% | 1,038 |
| Earnings coverage of net charge-offs (x) | 265.6319% | 303 |
| Efficiency ratio | 56.4431% | 4,194 |
| Assets per employee ($millions) | 5.7084% | 1,779 |
| Cash dividends to net income (ytd only)* | 19.9732% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 1,644 |
| Loan loss allowance to noncurrent loans | 344.1745% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 3,145 |
| Noncurrent loans to loans | 0.4047% | 3,084 |
| Net loans and leases to total assets | 77.9616% | 1,229 |
| Net loans and leases to deposits | 91.2400% | 1,592 |
| Net loans and leases to core deposits | 95.5668% | 2,114 |
| Total domestic deposits to total assets | 85.4467% | 2,287 |
| Equity capital to assets | 10.5648% | 3,461 |
| Core capital (leverage) ratio | 10.3011% | 3,286 |
| Tier 1 risk-based capital ratio | 11.2008% | 4,831 |
| Total risk-based capital ratio | 12.4246% | 4,734 |
| Memoranda: | ||
| Average total assets | $4,878,458,000 | 233 |
| Average earning assets | $4,592,444,330 | 227 |
| Average equity | $513,833,670 | 247 |
| Average total loans | $3,897,240,000 | 214 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 3,156 |
| Cost of funding earning assets | 0.7760% | 2,659 |
| Net interest margin | 3.6427% | 3,103 |
| Noninterest income to average assets | 0.6731% | 1,710 |
| Noninterest expense to average assets | 2.4485% | 3,633 |
| Loan and lease loss provision to assets | 0.0092% | 3,320 |
| Net operating income to assets | 1.4245% | 1,310 |
| Return on assets (ROA) | 1.4245% | 1,338 |
| Pretax return on assets | 1.6384% | 1,374 |
| Return on Equity (ROE) | 13.5460% | 1,070 |
| Retained earnings to average equity (ytd only) | 13.5460% | 399 |
| Net charge-offs to loans | 0.0031% | 2,629 |
| Credit loss provision to net charge-offs | 366.6667% | 737 |
| Earnings coverage of net charge-offs (x) | 659.4667% | 99 |
| Efficiency ratio | 59.0078% | 3,951 |
| Assets per employee ($millions) | 5.6250% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,588 |
| Loan loss allowance to noncurrent loans | 498.6998% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 3,594 |
| Noncurrent loans to loans | 0.2856% | 3,538 |
| Net loans and leases to total assets | 78.3679% | 1,095 |
| Net loans and leases to deposits | 91.0783% | 1,502 |
| Net loans and leases to core deposits | 95.3274% | 1,992 |
| Total domestic deposits to total assets | 86.0445% | 2,265 |
| Equity capital to assets | 10.5773% | 3,277 |
| Core capital (leverage) ratio | 10.4805% | 3,071 |
| Tier 1 risk-based capital ratio | 11.2787% | 4,853 |
| Total risk-based capital ratio | 12.5288% | 4,760 |
| Memoranda: | ||
| Average total assets | $4,803,135,000 | 239 |
| Average earning assets | $4,513,375,500 | 229 |
| Average equity | $505,092,000 | 250 |
| Average total loans | $3,857,780,500 | 218 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 3,120 |
| Cost of funding earning assets | 0.5467% | 3,068 |
| Net interest margin | 3.7509% | 2,853 |
| Noninterest income to average assets | 0.6008% | 2,284 |
| Noninterest expense to average assets | 2.1978% | 4,343 |
| Loan and lease loss provision to assets | 0.0755% | 2,616 |
| Net operating income to assets | 1.7618% | 600 |
| Return on assets (ROA) | 1.7710% | 590 |
| Pretax return on assets | 1.8677% | 777 |
| Return on Equity (ROE) | 17.2119% | 473 |
| Retained earnings to average equity (ytd only) | 6.4763% | 1,937 |
| Net charge-offs to loans | 0.0159% | 3,153 |
| Credit loss provision to net charge-offs | 596.6102% | 596 |
| Earnings coverage of net charge-offs (x) | 152.7898% | 556 |
| Efficiency ratio | 52.1470% | 4,787 |
| Assets per employee ($millions) | 5.9866% | 1,527 |
| Cash dividends to net income (ytd only)* | 62.3728% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 1,498 |
| Loan loss allowance to noncurrent loans | 519.9001% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 3,571 |
| Noncurrent loans to loans | 0.2764% | 3,578 |
| Net loans and leases to total assets | 79.9949% | 943 |
| Net loans and leases to deposits | 92.8446% | 1,418 |
| Net loans and leases to core deposits | 99.5334% | 1,751 |
| Total domestic deposits to total assets | 86.1600% | 2,153 |
| Equity capital to assets | 10.4526% | 3,235 |
| Core capital (leverage) ratio | 10.2925% | 3,254 |
| Tier 1 risk-based capital ratio | 11.1814% | 4,872 |
| Total risk-based capital ratio | 12.4319% | 4,783 |
| Memoranda: | ||
| Average total assets | $4,662,293,000 | 238 |
| Average earning assets | $4,388,438,000 | 230 |
| Average equity | $479,715,200 | 252 |
| Average total loans | $3,712,979,200 | 219 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 3,180 |
| Cost of funding earning assets | 0.4953% | 3,226 |
| Net interest margin | 3.7431% | 2,856 |
| Noninterest income to average assets | 0.6262% | 2,184 |
| Noninterest expense to average assets | 2.2167% | 4,283 |
| Loan and lease loss provision to assets | 0.0780% | 2,398 |
| Net operating income to assets | 1.8666% | 526 |
| Return on assets (ROA) | 1.8795% | 512 |
| Pretax return on assets | 1.8707% | 859 |
| Return on Equity (ROE) | 18.3410% | 395 |
| Retained earnings to average equity (ytd only) | 6.1579% | 2,576 |
| Net charge-offs to loans | 0.0180% | 2,792 |
| Credit loss provision to net charge-offs | 545.9839% | 648 |
| Earnings coverage of net charge-offs (x) | 135.4405% | 597 |
| Efficiency ratio | 52.3071% | 4,779 |
| Assets per employee ($millions) | 6.0043% | 1,484 |
| Cash dividends to net income (ytd only)* | 66.4254% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 1,554 |
| Loan loss allowance to noncurrent loans | 529.0254% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 3,690 |
| Noncurrent loans to loans | 0.2722% | 3,708 |
| Net loans and leases to total assets | 79.4642% | 1,096 |
| Net loans and leases to deposits | 91.6848% | 1,662 |
| Net loans and leases to core deposits | 97.3267% | 1,988 |
| Total domestic deposits to total assets | 86.6711% | 1,881 |
| Equity capital to assets | 10.2604% | 3,394 |
| Core capital (leverage) ratio | 10.1269% | 3,495 |
| Tier 1 risk-based capital ratio | 11.1750% | 4,959 |
| Total risk-based capital ratio | 12.4256% | 4,858 |
| Memoranda: | ||
| Average total assets | $4,645,518,750 | 238 |
| Average earning assets | $4,376,562,000 | 230 |
| Average equity | $476,058,000 | 251 |
| Average total loans | $3,681,618,750 | 221 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 3,272 |
| Cost of funding earning assets | 0.4403% | 3,427 |
| Net interest margin | 3.7118% | 2,882 |
| Noninterest income to average assets | 0.6284% | 2,184 |
| Noninterest expense to average assets | 2.2342% | 4,293 |
| Loan and lease loss provision to assets | 0.0960% | 2,010 |
| Net operating income to assets | 2.0405% | 349 |
| Return on assets (ROA) | 2.0600% | 327 |
| Pretax return on assets | 1.8186% | 922 |
| Return on Equity (ROE) | 20.1108% | 258 |
| Retained earnings to average equity (ytd only) | 8.7271% | 1,310 |
| Net charge-offs to loans | 0.0240% | 2,387 |
| Credit loss provision to net charge-offs | 508.6957% | 697 |
| Earnings coverage of net charge-offs (x) | 100.4119% | 693 |
| Efficiency ratio | 53.2234% | 4,763 |
| Assets per employee ($millions) | 5.7085% | 1,711 |
| Cash dividends to net income (ytd only)* | 56.6050% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4652% | 1,502 |
| Loan loss allowance to noncurrent loans | 588.8889% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 3,815 |
| Noncurrent loans to loans | 0.2488% | 3,808 |
| Net loans and leases to total assets | 78.6463% | 1,222 |
| Net loans and leases to deposits | 91.2594% | 1,674 |
| Net loans and leases to core deposits | 96.4253% | 2,021 |
| Total domestic deposits to total assets | 86.1788% | 2,200 |
| Equity capital to assets | 10.4211% | 3,188 |
| Core capital (leverage) ratio | 10.0854% | 3,493 |
| Tier 1 risk-based capital ratio | 11.4270% | 4,824 |
| Total risk-based capital ratio | 12.6779% | 4,728 |
| Memoranda: | ||
| Average total assets | $4,630,915,000 | 234 |
| Average earning assets | $4,367,769,670 | 226 |
| Average equity | $474,362,000 | 247 |
| Average total loans | $3,648,564,670 | 218 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,462 |
| Cost of funding earning assets | 0.3950% | 3,625 |
| Net interest margin | 3.6459% | 3,003 |
| Noninterest income to average assets | 0.6124% | 2,204 |
| Noninterest expense to average assets | 2.3062% | 4,179 |
| Loan and lease loss provision to assets | 0.1011% | 1,833 |
| Net operating income to assets | 1.6082% | 847 |
| Return on assets (ROA) | 1.6082% | 847 |
| Pretax return on assets | 1.6476% | 1,250 |
| Return on Equity (ROE) | 15.8365% | 656 |
| Retained earnings to average equity (ytd only) | 9.8906% | 1,195 |
| Net charge-offs to loans | 0.0375% | 1,773 |
| Credit loss provision to net charge-offs | 344.7059% | 752 |
| Earnings coverage of net charge-offs (x) | 59.6265% | 847 |
| Efficiency ratio | 55.7723% | 4,612 |
| Assets per employee ($millions) | 5.9854% | 1,528 |
| Cash dividends to net income (ytd only)* | 37.5456% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,628 |
| Loan loss allowance to noncurrent loans | 685.9710% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 4,014 |
| Noncurrent loans to loans | 0.2125% | 4,023 |
| Net loans and leases to total assets | 76.6310% | 1,436 |
| Net loans and leases to deposits | 88.2978% | 1,895 |
| Net loans and leases to core deposits | 92.8322% | 2,231 |
| Total domestic deposits to total assets | 86.7870% | 2,209 |
| Equity capital to assets | 10.1315% | 3,473 |
| Core capital (leverage) ratio | 10.0432% | 3,481 |
| Tier 1 risk-based capital ratio | 11.2655% | 4,998 |
| Total risk-based capital ratio | 12.5209% | 4,886 |
| Memoranda: | ||
| Average total assets | $4,637,294,000 | 234 |
| Average earning assets | $4,378,520,000 | 225 |
| Average equity | $470,912,500 | 249 |
| Average total loans | $3,629,839,500 | 217 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,539 |
| Cost of funding earning assets | 0.3605% | 3,613 |
| Net interest margin | 3.5975% | 3,175 |
| Noninterest income to average assets | 0.6863% | 2,026 |
| Noninterest expense to average assets | 2.1581% | 4,628 |
| Loan and lease loss provision to assets | 0.1004% | 2,216 |
| Net operating income to assets | 1.7850% | 434 |
| Return on assets (ROA) | 1.7859% | 441 |
| Pretax return on assets | 1.8253% | 741 |
| Return on Equity (ROE) | 17.6443% | 334 |
| Retained earnings to average equity (ytd only) | 6.2411% | 1,414 |
| Net charge-offs to loans | 0.0451% | 2,881 |
| Credit loss provision to net charge-offs | 289.6927% | 972 |
| Earnings coverage of net charge-offs (x) | 55.5192% | 1,011 |
| Efficiency ratio | 51.8445% | 5,111 |
| Assets per employee ($millions) | 5.8152% | 1,645 |
| Cash dividends to net income (ytd only)* | 64.6284% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 1,606 |
| Loan loss allowance to noncurrent loans | 535.7099% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 3,911 |
| Noncurrent loans to loans | 0.2693% | 3,820 |
| Net loans and leases to total assets | 77.6583% | 1,327 |
| Net loans and leases to deposits | 90.4934% | 1,711 |
| Net loans and leases to core deposits | 95.1598% | 2,101 |
| Total domestic deposits to total assets | 85.8165% | 2,528 |
| Equity capital to assets | 10.1787% | 3,514 |
| Core capital (leverage) ratio | 9.8529% | 3,635 |
| Tier 1 risk-based capital ratio | 11.0563% | 5,110 |
| Total risk-based capital ratio | 12.3111% | 4,996 |
| Memoranda: | ||
| Average total assets | $4,505,303,000 | 226 |
| Average earning assets | $4,253,660,800 | 216 |
| Average equity | $456,012,200 | 240 |
| Average total loans | $3,462,300,600 | 216 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 3,676 |
| Cost of funding earning assets | 0.3573% | 3,595 |
| Net interest margin | 3.5435% | 3,340 |
| Noninterest income to average assets | 0.6673% | 2,136 |
| Noninterest expense to average assets | 2.1241% | 4,683 |
| Loan and lease loss provision to assets | 0.0890% | 2,298 |
| Net operating income to assets | 1.7626% | 506 |
| Return on assets (ROA) | 1.7621% | 524 |
| Pretax return on assets | 1.8014% | 891 |
| Return on Equity (ROE) | 17.4348% | 380 |
| Retained earnings to average equity (ytd only) | 5.8118% | 2,369 |
| Net charge-offs to loans | 0.0413% | 2,611 |
| Credit loss provision to net charge-offs | 282.1698% | 1,040 |
| Earnings coverage of net charge-offs (x) | 59.9773% | 992 |
| Efficiency ratio | 51.9163% | 5,106 |
| Assets per employee ($millions) | 5.9475% | 1,535 |
| Cash dividends to net income (ytd only)* | 66.6655% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 1,823 |
| Loan loss allowance to noncurrent loans | 349.4607% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,637 |
| Noncurrent loans to loans | 0.4059% | 3,485 |
| Net loans and leases to total assets | 76.4964% | 1,500 |
| Net loans and leases to deposits | 92.3079% | 1,524 |
| Net loans and leases to core deposits | 97.3583% | 1,942 |
| Total domestic deposits to total assets | 82.8709% | 3,502 |
| Equity capital to assets | 10.0035% | 3,905 |
| Core capital (leverage) ratio | 9.5804% | 4,052 |
| Tier 1 risk-based capital ratio | 10.7425% | 5,361 |
| Total risk-based capital ratio | 11.9965% | 5,280 |
| Memoranda: | ||
| Average total assets | $4,483,127,750 | 227 |
| Average earning assets | $4,235,195,750 | 217 |
| Average equity | $453,112,750 | 242 |
| Average total loans | $3,422,913,750 | 220 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 3,849 |
| Cost of funding earning assets | 0.3392% | 3,700 |
| Net interest margin | 3.4735% | 3,495 |
| Noninterest income to average assets | 0.6538% | 2,188 |
| Noninterest expense to average assets | 2.1017% | 4,767 |
| Loan and lease loss provision to assets | 0.0831% | 2,324 |
| Net operating income to assets | 1.7134% | 551 |
| Return on assets (ROA) | 1.7134% | 556 |
| Pretax return on assets | 1.7528% | 940 |
| Return on Equity (ROE) | 16.8919% | 420 |
| Retained earnings to average equity (ytd only) | 3.7536% | 3,461 |
| Net charge-offs to loans | 0.0209% | 2,803 |
| Credit loss provision to net charge-offs | 522.4432% | 641 |
| Earnings coverage of net charge-offs (x) | 115.4460% | 592 |
| Efficiency ratio | 52.4449% | 5,140 |
| Assets per employee ($millions) | 5.9735% | 1,484 |
| Cash dividends to net income (ytd only)* | 77.7789% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,674 |
| Loan loss allowance to noncurrent loans | 242.3815% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 3,151 |
| Noncurrent loans to loans | 0.6078% | 2,905 |
| Net loans and leases to total assets | 75.8584% | 1,562 |
| Net loans and leases to deposits | 89.7434% | 1,766 |
| Net loans and leases to core deposits | 94.6220% | 2,099 |
| Total domestic deposits to total assets | 84.5281% | 2,999 |
| Equity capital to assets | 10.1527% | 3,731 |
| Core capital (leverage) ratio | 9.7633% | 3,820 |
| Tier 1 risk-based capital ratio | 10.9669% | 5,268 |
| Total risk-based capital ratio | 12.2212% | 5,168 |
| Memoranda: | ||
| Average total assets | $4,427,196,670 | 231 |
| Average earning assets | $4,185,325,670 | 221 |
| Average equity | $449,066,000 | 245 |
| Average total loans | $3,360,893,330 | 224 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 3,962 |
| Cost of funding earning assets | 0.3264% | 3,788 |
| Net interest margin | 3.4154% | 3,599 |
| Noninterest income to average assets | 0.6534% | 2,162 |
| Noninterest expense to average assets | 2.1768% | 4,706 |
| Loan and lease loss provision to assets | 0.0747% | 2,312 |
| Net operating income to assets | 1.5919% | 687 |
| Return on assets (ROA) | 1.5920% | 703 |
| Pretax return on assets | 1.6318% | 1,161 |
| Return on Equity (ROE) | 15.7026% | 567 |
| Retained earnings to average equity (ytd only) | 11.2230% | 566 |
| Net charge-offs to loans | 0.0475% | 1,902 |
| Credit loss provision to net charge-offs | 208.6294% | 991 |
| Earnings coverage of net charge-offs (x) | 47.6802% | 931 |
| Efficiency ratio | 55.1075% | 5,031 |
| Assets per employee ($millions) | 6.0498% | 1,470 |
| Cash dividends to net income (ytd only)* | 28.5274% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,741 |
| Loan loss allowance to noncurrent loans | 245.5813% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 3,297 |
| Noncurrent loans to loans | 0.6050% | 3,008 |
| Net loans and leases to total assets | 74.2947% | 1,692 |
| Net loans and leases to deposits | 86.8478% | 1,932 |
| Net loans and leases to core deposits | 91.3845% | 2,228 |
| Total domestic deposits to total assets | 85.5459% | 2,864 |
| Equity capital to assets | 10.2415% | 3,473 |
| Core capital (leverage) ratio | 9.9747% | 3,530 |
| Tier 1 risk-based capital ratio | 11.2991% | 5,138 |
| Total risk-based capital ratio | 12.5529% | 5,044 |
| Memoranda: | ||
| Average total assets | $4,403,713,500 | 234 |
| Average earning assets | $4,164,409,500 | 223 |
| Average equity | $446,474,000 | 248 |
| Average total loans | $3,318,953,000 | 226 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 3,998 |
| Cost of funding earning assets | 0.3112% | 3,945 |
| Net interest margin | 3.4584% | 3,595 |
| Noninterest income to average assets | 0.7072% | 2,145 |
| Noninterest expense to average assets | 2.0867% | 5,024 |
| Loan and lease loss provision to assets | 0.0508% | 3,371 |
| Net operating income to assets | 1.8032% | 445 |
| Return on assets (ROA) | 1.8030% | 467 |
| Pretax return on assets | 1.8417% | 708 |
| Return on Equity (ROE) | 17.9704% | 331 |
| Retained earnings to average equity (ytd only) | 5.9050% | 1,762 |
| Net charge-offs to loans | 0.0258% | 3,523 |
| Credit loss provision to net charge-offs | 267.5937% | 1,075 |
| Earnings coverage of net charge-offs (x) | 99.6360% | 598 |
| Efficiency ratio | 51.4685% | 5,413 |
| Assets per employee ($millions) | 5.9903% | 1,493 |
| Cash dividends to net income (ytd only)* | 67.1406% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,686 |
| Loan loss allowance to noncurrent loans | 307.6510% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3829% | 3,736 |
| Noncurrent loans to loans | 0.4861% | 3,414 |
| Net loans and leases to total assets | 74.1920% | 1,821 |
| Net loans and leases to deposits | 86.5571% | 2,099 |
| Net loans and leases to core deposits | 91.6012% | 2,338 |
| Total domestic deposits to total assets | 85.7146% | 2,723 |
| Equity capital to assets | 10.0342% | 3,690 |
| Core capital (leverage) ratio | 9.6798% | 3,879 |
| Tier 1 risk-based capital ratio | 11.4217% | 5,103 |
| Total risk-based capital ratio | 12.6762% | 5,003 |
| Memoranda: | ||
| Average total assets | $4,353,351,800 | 224 |
| Average earning assets | $4,119,030,200 | 211 |
| Average equity | $436,785,000 | 241 |
| Average total loans | $3,211,464,400 | 216 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,059 |
| Cost of funding earning assets | 0.3073% | 4,016 |
| Net interest margin | 3.4495% | 3,673 |
| Noninterest income to average assets | 0.7078% | 2,134 |
| Noninterest expense to average assets | 2.0910% | 5,022 |
| Loan and lease loss provision to assets | 0.0431% | 3,367 |
| Net operating income to assets | 1.7995% | 494 |
| Return on assets (ROA) | 1.7992% | 522 |
| Pretax return on assets | 1.8374% | 825 |
| Return on Equity (ROE) | 17.9328% | 362 |
| Retained earnings to average equity (ytd only) | 5.8003% | 2,301 |
| Net charge-offs to loans | 0.0310% | 3,032 |
| Credit loss provision to net charge-offs | 189.3674% | 1,489 |
| Earnings coverage of net charge-offs (x) | 82.5587% | 762 |
| Efficiency ratio | 51.6748% | 5,404 |
| Assets per employee ($millions) | 6.0769% | 1,376 |
| Cash dividends to net income (ytd only)* | 67.6551% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,822 |
| Loan loss allowance to noncurrent loans | 310.2928% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 3,892 |
| Noncurrent loans to loans | 0.4780% | 3,578 |
| Net loans and leases to total assets | 73.8829% | 1,887 |
| Net loans and leases to deposits | 87.1723% | 2,124 |
| Net loans and leases to core deposits | 91.9852% | 2,378 |
| Total domestic deposits to total assets | 84.7550% | 2,911 |
| Equity capital to assets | 10.3385% | 3,759 |
| Core capital (leverage) ratio | 9.6446% | 4,001 |
| Tier 1 risk-based capital ratio | 11.3285% | 5,186 |
| Total risk-based capital ratio | 12.5819% | 5,091 |
| Memoranda: | ||
| Average total assets | $4,348,462,000 | 222 |
| Average earning assets | $4,114,678,250 | 211 |
| Average equity | $436,284,750 | 241 |
| Average total loans | $3,190,928,500 | 216 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,170 |
| Cost of funding earning assets | 0.3035% | 4,083 |
| Net interest margin | 3.4312% | 3,758 |
| Noninterest income to average assets | 0.6937% | 2,172 |
| Noninterest expense to average assets | 2.0945% | 5,068 |
| Loan and lease loss provision to assets | 0.0415% | 3,322 |
| Net operating income to assets | 1.7661% | 507 |
| Return on assets (ROA) | 1.7663% | 539 |
| Pretax return on assets | 1.8067% | 871 |
| Return on Equity (ROE) | 17.7865% | 375 |
| Retained earnings to average equity (ytd only) | 2.9493% | 4,039 |
| Net charge-offs to loans | -0.0040% | 4,481 |
| Credit loss provision to net charge-offs | -1,407.8125% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1449% | 5,434 |
| Assets per employee ($millions) | 5.8114% | 1,539 |
| Cash dividends to net income (ytd only)* | 83.4181% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5086% | 1,828 |
| Loan loss allowance to noncurrent loans | 365.6011% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 4,178 |
| Noncurrent loans to loans | 0.4126% | 3,879 |
| Net loans and leases to total assets | 73.0530% | 2,003 |
| Net loans and leases to deposits | 86.6530% | 2,174 |
| Net loans and leases to core deposits | 91.2241% | 2,413 |
| Total domestic deposits to total assets | 84.3052% | 3,155 |
| Equity capital to assets | 10.1307% | 4,056 |
| Core capital (leverage) ratio | 9.3614% | 4,385 |
| Tier 1 risk-based capital ratio | 11.0717% | 5,386 |
| Total risk-based capital ratio | 12.3249% | 5,300 |
| Memoranda: | ||
| Average total assets | $4,343,548,330 | 221 |
| Average earning assets | $4,112,614,670 | 214 |
| Average equity | $431,349,330 | 244 |
| Average total loans | $3,163,839,000 | 219 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7178% | 4,257 |
| Cost of funding earning assets | 0.3016% | 4,149 |
| Net interest margin | 3.4162% | 3,815 |
| Noninterest income to average assets | 0.6891% | 2,093 |
| Noninterest expense to average assets | 2.1765% | 4,957 |
| Loan and lease loss provision to assets | 0.0447% | 3,032 |
| Net operating income to assets | 1.6624% | 621 |
| Return on assets (ROA) | 1.6622% | 661 |
| Pretax return on assets | 1.7026% | 1,061 |
| Return on Equity (ROE) | 16.9089% | 450 |
| Retained earnings to average equity (ytd only) | 6.5791% | 2,094 |
| Net charge-offs to loans | -0.0178% | 4,801 |
| Credit loss provision to net charge-offs | -348.2014% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4792% | 5,338 |
| Assets per employee ($millions) | 5.9944% | 1,401 |
| Cash dividends to net income (ytd only)* | 61.0907% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 1,766 |
| Loan loss allowance to noncurrent loans | 445.6442% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 4,477 |
| Noncurrent loans to loans | 0.3493% | 4,182 |
| Net loans and leases to total assets | 70.2680% | 2,295 |
| Net loans and leases to deposits | 83.1129% | 2,416 |
| Net loans and leases to core deposits | 87.4277% | 2,622 |
| Total domestic deposits to total assets | 84.5452% | 3,297 |
| Equity capital to assets | 9.9491% | 4,143 |
| Core capital (leverage) ratio | 9.5271% | 4,139 |
| Tier 1 risk-based capital ratio | 11.4035% | 5,280 |
| Total risk-based capital ratio | 12.6573% | 5,186 |
| Memoranda: | ||
| Average total assets | $4,333,130,500 | 222 |
| Average earning assets | $4,103,177,500 | 213 |
| Average equity | $425,953,500 | 243 |
| Average total loans | $3,127,183,500 | 219 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 4,049 |
| Cost of funding earning assets | 0.3145% | 4,084 |
| Net interest margin | 3.4823% | 3,587 |
| Noninterest income to average assets | 0.6756% | 2,315 |
| Noninterest expense to average assets | 2.0796% | 5,290 |
| Loan and lease loss provision to assets | 0.1101% | 2,157 |
| Net operating income to assets | 1.7427% | 534 |
| Return on assets (ROA) | 1.7427% | 558 |
| Pretax return on assets | 1.7805% | 833 |
| Return on Equity (ROE) | 17.6545% | 406 |
| Retained earnings to average equity (ytd only) | 4.8217% | 2,550 |
| Net charge-offs to loans | 0.0083% | 4,162 |
| Credit loss provision to net charge-offs | 1,867.0683% | 184 |
| Earnings coverage of net charge-offs (x) | 320.6707% | 220 |
| Efficiency ratio | 51.3383% | 5,678 |
| Assets per employee ($millions) | 5.9343% | 1,432 |
| Cash dividends to net income (ytd only)* | 72.6882% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 1,882 |
| Loan loss allowance to noncurrent loans | 394.5603% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 4,382 |
| Noncurrent loans to loans | 0.3865% | 4,066 |
| Net loans and leases to total assets | 71.8576% | 2,080 |
| Net loans and leases to deposits | 85.2398% | 2,212 |
| Net loans and leases to core deposits | 89.7012% | 2,432 |
| Total domestic deposits to total assets | 84.3006% | 3,366 |
| Equity capital to assets | 9.7095% | 4,290 |
| Core capital (leverage) ratio | 9.4028% | 4,315 |
| Tier 1 risk-based capital ratio | 11.2196% | 5,415 |
| Total risk-based capital ratio | 12.4727% | 5,310 |
| Memoranda: | ||
| Average total assets | $4,223,439,400 | 217 |
| Average earning assets | $3,995,700,000 | 208 |
| Average equity | $416,903,000 | 237 |
| Average total loans | $3,005,918,800 | 213 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 4,091 |
| Cost of funding earning assets | 0.3183% | 4,131 |
| Net interest margin | 3.4809% | 3,622 |
| Noninterest income to average assets | 0.6880% | 2,291 |
| Noninterest expense to average assets | 2.0840% | 5,310 |
| Loan and lease loss provision to assets | 0.1194% | 1,910 |
| Net operating income to assets | 1.7411% | 578 |
| Return on assets (ROA) | 1.7413% | 601 |
| Pretax return on assets | 1.7781% | 935 |
| Return on Equity (ROE) | 17.5664% | 433 |
| Retained earnings to average equity (ytd only) | 10.3670% | 576 |
| Net charge-offs to loans | 0.0184% | 3,579 |
| Credit loss provision to net charge-offs | 917.8049% | 395 |
| Earnings coverage of net charge-offs (x) | 145.8959% | 474 |
| Efficiency ratio | 51.2882% | 5,699 |
| Assets per employee ($millions) | 5.9212% | 1,430 |
| Cash dividends to net income (ytd only)* | 40.9836% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 1,944 |
| Loan loss allowance to noncurrent loans | 451.6300% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 4,665 |
| Noncurrent loans to loans | 0.3446% | 4,380 |
| Net loans and leases to total assets | 69.3874% | 2,479 |
| Net loans and leases to deposits | 82.0424% | 2,643 |
| Net loans and leases to core deposits | 86.4757% | 2,799 |
| Total domestic deposits to total assets | 84.5750% | 3,185 |
| Equity capital to assets | 10.2157% | 3,912 |
| Core capital (leverage) ratio | 9.6727% | 4,070 |
| Tier 1 risk-based capital ratio | 11.9311% | 5,120 |
| Total risk-based capital ratio | 13.1841% | 5,038 |
| Memoranda: | ||
| Average total assets | $4,203,715,250 | 223 |
| Average earning assets | $3,976,938,500 | 212 |
| Average equity | $416,695,250 | 242 |
| Average total loans | $2,972,541,250 | 216 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 4,101 |
| Cost of funding earning assets | 0.3223% | 4,127 |
| Net interest margin | 3.4676% | 3,629 |
| Noninterest income to average assets | 0.6798% | 2,299 |
| Noninterest expense to average assets | 2.1175% | 5,301 |
| Loan and lease loss provision to assets | 0.1280% | 1,734 |
| Net operating income to assets | 1.6740% | 655 |
| Return on assets (ROA) | 1.6739% | 681 |
| Pretax return on assets | 1.7130% | 1,058 |
| Return on Equity (ROE) | 17.0646% | 478 |
| Retained earnings to average equity (ytd only) | 9.7514% | 715 |
| Net charge-offs to loans | 0.0197% | 3,290 |
| Credit loss provision to net charge-offs | 916.7808% | 390 |
| Earnings coverage of net charge-offs (x) | 131.8356% | 479 |
| Efficiency ratio | 52.3746% | 5,684 |
| Assets per employee ($millions) | 5.7829% | 1,513 |
| Cash dividends to net income (ytd only)* | 42.8559% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 2,219 |
| Loan loss allowance to noncurrent loans | 317.7013% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 4,412 |
| Noncurrent loans to loans | 0.4777% | 4,039 |
| Net loans and leases to total assets | 69.3424% | 2,438 |
| Net loans and leases to deposits | 82.9730% | 2,440 |
| Net loans and leases to core deposits | 87.0901% | 2,647 |
| Total domestic deposits to total assets | 83.5722% | 3,734 |
| Equity capital to assets | 9.7469% | 4,350 |
| Core capital (leverage) ratio | 9.3277% | 4,517 |
| Tier 1 risk-based capital ratio | 11.5369% | 5,439 |
| Total risk-based capital ratio | 12.7898% | 5,359 |
| Memoranda: | ||
| Average total assets | $4,181,892,000 | 225 |
| Average earning assets | $3,954,143,670 | 215 |
| Average equity | $410,218,670 | 243 |
| Average total loans | $2,960,354,330 | 218 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 4,132 |
| Cost of funding earning assets | 0.3269% | 4,138 |
| Net interest margin | 3.4432% | 3,651 |
| Noninterest income to average assets | 0.6602% | 2,359 |
| Noninterest expense to average assets | 2.1979% | 5,151 |
| Loan and lease loss provision to assets | 0.1415% | 1,447 |
| Net operating income to assets | 1.5379% | 791 |
| Return on assets (ROA) | 1.5372% | 834 |
| Pretax return on assets | 1.5768% | 1,328 |
| Return on Equity (ROE) | 15.6194% | 614 |
| Retained earnings to average equity (ytd only) | 10.6959% | 776 |
| Net charge-offs to loans | 0.0079% | 3,061 |
| Credit loss provision to net charge-offs | 2,517.2414% | 158 |
| Earnings coverage of net charge-offs (x) | 305.8103% | 184 |
| Efficiency ratio | 54.9510% | 5,599 |
| Assets per employee ($millions) | 5.8243% | 1,532 |
| Cash dividends to net income (ytd only)* | 31.5219% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 2,378 |
| Loan loss allowance to noncurrent loans | 344.0730% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 4,620 |
| Noncurrent loans to loans | 0.4411% | 4,270 |
| Net loans and leases to total assets | 69.0538% | 2,278 |
| Net loans and leases to deposits | 80.4230% | 2,518 |
| Net loans and leases to core deposits | 84.4335% | 2,724 |
| Total domestic deposits to total assets | 85.8633% | 3,011 |
| Equity capital to assets | 9.8333% | 4,343 |
| Core capital (leverage) ratio | 9.2506% | 4,650 |
| Tier 1 risk-based capital ratio | 11.4983% | 5,557 |
| Total risk-based capital ratio | 12.7494% | 5,475 |
| Memoranda: | ||
| Average total assets | $4,127,371,000 | 225 |
| Average earning assets | $3,903,813,000 | 215 |
| Average equity | $406,211,500 | 243 |
| Average total loans | $2,929,885,000 | 218 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8464% | 4,334 |
| Cost of funding earning assets | 0.3492% | 4,265 |
| Net interest margin | 3.4972% | 3,811 |
| Noninterest income to average assets | 0.6247% | 2,712 |
| Noninterest expense to average assets | 2.1226% | 5,519 |
| Loan and lease loss provision to assets | 0.0949% | 2,565 |
| Net operating income to assets | 1.6664% | 618 |
| Return on assets (ROA) | 1.6661% | 645 |
| Pretax return on assets | 1.7048% | 977 |
| Return on Equity (ROE) | 16.9801% | 494 |
| Retained earnings to average equity (ytd only) | 6.9751% | 1,423 |
| Net charge-offs to loans | 0.0653% | 3,550 |
| Credit loss provision to net charge-offs | 207.1588% | 1,194 |
| Earnings coverage of net charge-offs (x) | 39.2735% | 1,102 |
| Efficiency ratio | 53.0445% | 5,911 |
| Assets per employee ($millions) | 5.7275% | 1,583 |
| Cash dividends to net income (ytd only)* | 58.9222% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 2,489 |
| Loan loss allowance to noncurrent loans | 367.9391% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 4,696 |
| Noncurrent loans to loans | 0.4070% | 4,420 |
| Net loans and leases to total assets | 70.8173% | 2,106 |
| Net loans and leases to deposits | 82.6918% | 2,383 |
| Net loans and leases to core deposits | 87.1267% | 2,600 |
| Total domestic deposits to total assets | 85.6401% | 3,016 |
| Equity capital to assets | 9.8509% | 4,288 |
| Core capital (leverage) ratio | 9.5250% | 4,207 |
| Tier 1 risk-based capital ratio | 11.8777% | 5,443 |
| Total risk-based capital ratio | 13.1310% | 5,348 |
| Memoranda: | ||
| Average total assets | $3,901,272,000 | 220 |
| Average earning assets | $3,678,847,000 | 213 |
| Average equity | $382,806,000 | 242 |
| Average total loans | $2,737,633,000 | 214 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 4,361 |
| Cost of funding earning assets | 0.3548% | 4,290 |
| Net interest margin | 3.4981% | 3,836 |
| Noninterest income to average assets | 0.6153% | 2,776 |
| Noninterest expense to average assets | 2.1464% | 5,473 |
| Loan and lease loss provision to assets | 0.0884% | 2,589 |
| Net operating income to assets | 1.6410% | 683 |
| Return on assets (ROA) | 1.6409% | 708 |
| Pretax return on assets | 1.6787% | 1,117 |
| Return on Equity (ROE) | 16.7397% | 586 |
| Retained earnings to average equity (ytd only) | 5.7304% | 2,586 |
| Net charge-offs to loans | 0.0526% | 3,462 |
| Credit loss provision to net charge-offs | 240.8835% | 1,092 |
| Earnings coverage of net charge-offs (x) | 48.1749% | 1,002 |
| Efficiency ratio | 53.7631% | 5,842 |
| Assets per employee ($millions) | 5.4771% | 1,749 |
| Cash dividends to net income (ytd only)* | 65.7674% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 2,429 |
| Loan loss allowance to noncurrent loans | 291.0301% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 4,681 |
| Noncurrent loans to loans | 0.5385% | 4,322 |
| Net loans and leases to total assets | 69.3385% | 2,304 |
| Net loans and leases to deposits | 80.4662% | 2,622 |
| Net loans and leases to core deposits | 84.7110% | 2,808 |
| Total domestic deposits to total assets | 86.1710% | 2,777 |
| Equity capital to assets | 9.9278% | 4,260 |
| Core capital (leverage) ratio | 9.4041% | 4,511 |
| Tier 1 risk-based capital ratio | 12.2150% | 5,353 |
| Total risk-based capital ratio | 13.4695% | 5,268 |
| Memoranda: | ||
| Average total assets | $3,867,111,750 | 219 |
| Average earning assets | $3,646,180,000 | 212 |
| Average equity | $379,065,000 | 243 |
| Average total loans | $2,696,287,750 | 213 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 4,434 |
| Cost of funding earning assets | 0.3578% | 4,342 |
| Net interest margin | 3.4657% | 3,918 |
| Noninterest income to average assets | 0.6007% | 2,814 |
| Noninterest expense to average assets | 2.1627% | 5,499 |
| Loan and lease loss provision to assets | 0.0853% | 2,601 |
| Net operating income to assets | 1.5850% | 727 |
| Return on assets (ROA) | 1.5847% | 764 |
| Pretax return on assets | 1.6214% | 1,196 |
| Return on Equity (ROE) | 16.2368% | 634 |
| Retained earnings to average equity (ytd only) | 5.4494% | 2,672 |
| Net charge-offs to loans | 0.0351% | 3,510 |
| Credit loss provision to net charge-offs | 349.7872% | 765 |
| Earnings coverage of net charge-offs (x) | 70.0255% | 731 |
| Efficiency ratio | 54.7941% | 5,848 |
| Assets per employee ($millions) | 5.3207% | 1,854 |
| Cash dividends to net income (ytd only)* | 66.4376% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5874% | 2,514 |
| Loan loss allowance to noncurrent loans | 243.2956% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 4,526 |
| Noncurrent loans to loans | 0.6524% | 4,072 |
| Net loans and leases to total assets | 68.7711% | 2,281 |
| Net loans and leases to deposits | 79.7016% | 2,558 |
| Net loans and leases to core deposits | 84.2732% | 2,713 |
| Total domestic deposits to total assets | 86.2857% | 2,888 |
| Equity capital to assets | 9.9347% | 4,196 |
| Core capital (leverage) ratio | 9.3348% | 4,545 |
| Tier 1 risk-based capital ratio | 12.3030% | 5,358 |
| Total risk-based capital ratio | 13.5577% | 5,274 |
| Memoranda: | ||
| Average total assets | $3,856,244,670 | 218 |
| Average earning assets | $3,637,349,000 | 208 |
| Average equity | $376,368,330 | 241 |
| Average total loans | $2,679,364,000 | 211 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,441 |
| Cost of funding earning assets | 0.3607% | 4,430 |
| Net interest margin | 3.4507% | 3,897 |
| Noninterest income to average assets | 0.6020% | 2,723 |
| Noninterest expense to average assets | 2.2412% | 5,353 |
| Loan and lease loss provision to assets | 0.0970% | 2,308 |
| Net operating income to assets | 1.4768% | 853 |
| Return on assets (ROA) | 1.4763% | 881 |
| Pretax return on assets | 1.5130% | 1,396 |
| Return on Equity (ROE) | 15.2625% | 742 |
| Retained earnings to average equity (ytd only) | 8.8317% | 1,301 |
| Net charge-offs to loans | 0.0165% | 3,261 |
| Credit loss provision to net charge-offs | 850.9091% | 355 |
| Earnings coverage of net charge-offs (x) | 141.2273% | 347 |
| Efficiency ratio | 57.0856% | 5,746 |
| Assets per employee ($millions) | 5.3422% | 1,869 |
| Cash dividends to net income (ytd only)* | 42.1348% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 2,712 |
| Loan loss allowance to noncurrent loans | 287.8625% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 4,773 |
| Noncurrent loans to loans | 0.5553% | 4,495 |
| Net loans and leases to total assets | 67.8283% | 2,251 |
| Net loans and leases to deposits | 78.5128% | 2,484 |
| Net loans and leases to core deposits | 83.2040% | 2,615 |
| Total domestic deposits to total assets | 86.3915% | 3,163 |
| Equity capital to assets | 9.8645% | 4,005 |
| Core capital (leverage) ratio | 9.3280% | 4,529 |
| Tier 1 risk-based capital ratio | 12.3863% | 5,380 |
| Total risk-based capital ratio | 13.6415% | 5,313 |
| Memoranda: | ||
| Average total assets | $3,858,286,000 | 218 |
| Average earning assets | $3,633,586,500 | 208 |
| Average equity | $373,201,500 | 243 |
| Average total loans | $2,673,094,000 | 210 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 4,387 |
| Cost of funding earning assets | 0.4112% | 4,531 |
| Net interest margin | 3.5091% | 3,859 |
| Noninterest income to average assets | 0.6899% | 2,601 |
| Noninterest expense to average assets | 2.2438% | 5,519 |
| Loan and lease loss provision to assets | 0.0784% | 3,540 |
| Net operating income to assets | 1.6355% | 643 |
| Return on assets (ROA) | 1.6361% | 657 |
| Pretax return on assets | 1.6727% | 1,010 |
| Return on Equity (ROE) | 16.6324% | 550 |
| Retained earnings to average equity (ytd only) | 5.4641% | 2,300 |
| Net charge-offs to loans | 0.0803% | 4,096 |
| Credit loss provision to net charge-offs | 145.2404% | 1,605 |
| Earnings coverage of net charge-offs (x) | 32.4441% | 1,106 |
| Efficiency ratio | 55.0803% | 6,041 |
| Assets per employee ($millions) | 5.3828% | 1,762 |
| Cash dividends to net income (ytd only)* | 67.1478% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 2,996 |
| Loan loss allowance to noncurrent loans | 199.7404% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 4,386 |
| Noncurrent loans to loans | 0.7720% | 4,036 |
| Net loans and leases to total assets | 68.5577% | 2,247 |
| Net loans and leases to deposits | 81.2152% | 2,297 |
| Net loans and leases to core deposits | 86.2382% | 2,417 |
| Total domestic deposits to total assets | 84.4149% | 4,007 |
| Equity capital to assets | 9.4821% | 4,449 |
| Core capital (leverage) ratio | 9.1446% | 4,790 |
| Tier 1 risk-based capital ratio | 11.8024% | 5,740 |
| Total risk-based capital ratio | 13.0568% | 5,670 |
| Memoranda: | ||
| Average total assets | $3,777,465,200 | 213 |
| Average earning assets | $3,556,983,200 | 205 |
| Average equity | $371,588,600 | 234 |
| Average total loans | $2,538,973,800 | 203 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9263% | 4,401 |
| Cost of funding earning assets | 0.4202% | 4,611 |
| Net interest margin | 3.5061% | 3,858 |
| Noninterest income to average assets | 0.7135% | 2,540 |
| Noninterest expense to average assets | 2.2831% | 5,395 |
| Loan and lease loss provision to assets | 0.0808% | 3,445 |
| Net operating income to assets | 1.6175% | 725 |
| Return on assets (ROA) | 1.6185% | 767 |
| Pretax return on assets | 1.6550% | 1,196 |
| Return on Equity (ROE) | 16.3019% | 608 |
| Retained earnings to average equity (ytd only) | 4.6766% | 3,335 |
| Net charge-offs to loans | 0.0771% | 3,842 |
| Credit loss provision to net charge-offs | 157.4394% | 1,503 |
| Earnings coverage of net charge-offs (x) | 33.8041% | 1,134 |
| Efficiency ratio | 55.7264% | 5,940 |
| Assets per employee ($millions) | 5.2251% | 1,913 |
| Cash dividends to net income (ytd only)* | 71.3126% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 2,962 |
| Loan loss allowance to noncurrent loans | 177.7511% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 4,339 |
| Noncurrent loans to loans | 0.9060% | 4,007 |
| Net loans and leases to total assets | 66.9644% | 2,466 |
| Net loans and leases to deposits | 79.7922% | 2,438 |
| Net loans and leases to core deposits | 85.0995% | 2,532 |
| Total domestic deposits to total assets | 83.9235% | 4,220 |
| Equity capital to assets | 9.5864% | 4,441 |
| Core capital (leverage) ratio | 9.0475% | 5,053 |
| Tier 1 risk-based capital ratio | 11.9251% | 5,819 |
| Total risk-based capital ratio | 13.1801% | 5,762 |
| Memoranda: | ||
| Average total assets | $3,754,279,500 | 212 |
| Average earning assets | $3,538,195,250 | 203 |
| Average equity | $372,741,500 | 234 |
| Average total loans | $2,499,996,750 | 203 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9185% | 4,413 |
| Cost of funding earning assets | 0.4258% | 4,697 |
| Net interest margin | 3.4927% | 3,810 |
| Noninterest income to average assets | 0.7323% | 2,490 |
| Noninterest expense to average assets | 2.3178% | 5,311 |
| Loan and lease loss provision to assets | 0.0874% | 3,336 |
| Net operating income to assets | 1.5837% | 767 |
| Return on assets (ROA) | 1.5852% | 835 |
| Pretax return on assets | 1.6228% | 1,299 |
| Return on Equity (ROE) | 15.7833% | 691 |
| Retained earnings to average equity (ytd only) | 11.2633% | 598 |
| Net charge-offs to loans | 0.0154% | 4,532 |
| Credit loss provision to net charge-offs | 861.0526% | 352 |
| Earnings coverage of net charge-offs (x) | 168.3737% | 296 |
| Efficiency ratio | 56.4679% | 5,905 |
| Assets per employee ($millions) | 5.0860% | 2,011 |
| Cash dividends to net income (ytd only)* | 28.6378% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 2,887 |
| Loan loss allowance to noncurrent loans | 155.9327% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 4,171 |
| Noncurrent loans to loans | 1.0731% | 3,783 |
| Net loans and leases to total assets | 66.0574% | 2,581 |
| Net loans and leases to deposits | 79.1144% | 2,445 |
| Net loans and leases to core deposits | 84.1849% | 2,532 |
| Total domestic deposits to total assets | 83.4960% | 4,508 |
| Equity capital to assets | 9.9493% | 3,974 |
| Core capital (leverage) ratio | 9.5290% | 4,200 |
| Tier 1 risk-based capital ratio | 12.4888% | 5,511 |
| Total risk-based capital ratio | 13.7441% | 5,446 |
| Memoranda: | ||
| Average total assets | $3,744,726,000 | 212 |
| Average earning assets | $3,531,786,330 | 203 |
| Average equity | $376,106,330 | 234 |
| Average total loans | $2,475,100,000 | 203 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 4,481 |
| Cost of funding earning assets | 0.4374% | 4,731 |
| Net interest margin | 3.4594% | 3,863 |
| Noninterest income to average assets | 0.7678% | 2,260 |
| Noninterest expense to average assets | 2.3515% | 5,267 |
| Loan and lease loss provision to assets | 0.0599% | 3,641 |
| Net operating income to assets | 1.5725% | 746 |
| Return on assets (ROA) | 1.5741% | 804 |
| Pretax return on assets | 1.6113% | 1,283 |
| Return on Equity (ROE) | 15.5992% | 663 |
| Retained earnings to average equity (ytd only) | 13.4825% | 499 |
| Net charge-offs to loans | 0.0068% | 4,017 |
| Credit loss provision to net charge-offs | 1,335.7143% | 241 |
| Earnings coverage of net charge-offs (x) | 372.2381% | 97 |
| Efficiency ratio | 57.3808% | 5,913 |
| Assets per employee ($millions) | 5.1276% | 2,064 |
| Cash dividends to net income (ytd only)* | 13.5694% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 3,017 |
| Loan loss allowance to noncurrent loans | 161.6188% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 4,365 |
| Noncurrent loans to loans | 1.0506% | 4,040 |
| Net loans and leases to total assets | 63.8255% | 2,743 |
| Net loans and leases to deposits | 74.6423% | 2,830 |
| Net loans and leases to core deposits | 79.2592% | 2,895 |
| Total domestic deposits to total assets | 85.5084% | 3,789 |
| Equity capital to assets | 10.2615% | 3,843 |
| Core capital (leverage) ratio | 9.1232% | 4,683 |
| Tier 1 risk-based capital ratio | 12.4323% | 5,622 |
| Total risk-based capital ratio | 13.6879% | 5,565 |
| Memoranda: | ||
| Average total assets | $3,745,432,000 | 216 |
| Average earning assets | $3,522,355,000 | 208 |
| Average equity | $377,942,000 | 239 |
| Average total loans | $2,455,242,500 | 206 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 4,531 |
| Cost of funding earning assets | 0.5389% | 4,920 |
| Net interest margin | 3.6748% | 3,768 |
| Noninterest income to average assets | 0.7711% | 2,388 |
| Noninterest expense to average assets | 2.1730% | 5,981 |
| Loan and lease loss provision to assets | 0.0973% | 4,428 |
| Net operating income to assets | 1.9140% | 417 |
| Return on assets (ROA) | 1.9142% | 463 |
| Pretax return on assets | 1.9537% | 665 |
| Return on Equity (ROE) | 18.4358% | 406 |
| Retained earnings to average equity (ytd only) | 13.8352% | 209 |
| Net charge-offs to loans | 0.1365% | 4,320 |
| Credit loss provision to net charge-offs | 107.5578% | 2,751 |
| Earnings coverage of net charge-offs (x) | 22.6696% | 1,249 |
| Efficiency ratio | 50.8836% | 6,532 |
| Assets per employee ($millions) | 5.0106% | 2,217 |
| Cash dividends to net income (ytd only)* | 24.9548% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 3,168 |
| Loan loss allowance to noncurrent loans | 175.7526% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 4,643 |
| Noncurrent loans to loans | 0.9297% | 4,333 |
| Net loans and leases to total assets | 65.0926% | 2,697 |
| Net loans and leases to deposits | 76.8888% | 2,674 |
| Net loans and leases to core deposits | 81.4213% | 2,833 |
| Total domestic deposits to total assets | 84.6581% | 4,009 |
| Equity capital to assets | 9.9211% | 4,277 |
| Core capital (leverage) ratio | 9.1079% | 4,727 |
| Tier 1 risk-based capital ratio | 11.7671% | 5,920 |
| Total risk-based capital ratio | 13.0219% | 5,891 |
| Memoranda: | ||
| Average total assets | $3,349,444,000 | 231 |
| Average earning assets | $3,146,979,400 | 219 |
| Average equity | $347,779,600 | 248 |
| Average total loans | $2,220,478,400 | 220 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3327% | 4,320 |
| Cost of funding earning assets | 0.5694% | 4,918 |
| Net interest margin | 3.7633% | 3,494 |
| Noninterest income to average assets | 0.7831% | 2,316 |
| Noninterest expense to average assets | 2.2169% | 5,913 |
| Loan and lease loss provision to assets | 0.0978% | 4,348 |
| Net operating income to assets | 1.9704% | 400 |
| Return on assets (ROA) | 1.9709% | 455 |
| Pretax return on assets | 2.0121% | 690 |
| Return on Equity (ROE) | 18.7406% | 420 |
| Retained earnings to average equity (ytd only) | 14.0558% | 296 |
| Net charge-offs to loans | 0.1580% | 3,855 |
| Credit loss provision to net charge-offs | 93.3777% | 3,199 |
| Earnings coverage of net charge-offs (x) | 20.1317% | 1,457 |
| Efficiency ratio | 50.6714% | 6,538 |
| Assets per employee ($millions) | 5.0935% | 2,057 |
| Cash dividends to net income (ytd only)* | 24.9984% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 2,763 |
| Loan loss allowance to noncurrent loans | 174.8099% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 4,645 |
| Noncurrent loans to loans | 1.0366% | 4,373 |
| Net loans and leases to total assets | 66.0571% | 2,641 |
| Net loans and leases to deposits | 80.1657% | 2,364 |
| Net loans and leases to core deposits | 85.2924% | 2,550 |
| Total domestic deposits to total assets | 82.4008% | 4,877 |
| Equity capital to assets | 10.9922% | 3,290 |
| Core capital (leverage) ratio | 9.7653% | 3,848 |
| Tier 1 risk-based capital ratio | 13.0240% | 5,220 |
| Total risk-based capital ratio | 14.2805% | 5,176 |
| Memoranda: | ||
| Average total assets | $3,247,316,000 | 237 |
| Average earning assets | $3,057,441,250 | 223 |
| Average equity | $341,516,500 | 253 |
| Average total loans | $2,153,901,750 | 227 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 4,366 |
| Cost of funding earning assets | 0.5881% | 5,003 |
| Net interest margin | 3.7652% | 3,513 |
| Noninterest income to average assets | 0.7808% | 2,283 |
| Noninterest expense to average assets | 2.2476% | 5,881 |
| Loan and lease loss provision to assets | 0.0941% | 4,381 |
| Net operating income to assets | 1.9367% | 433 |
| Return on assets (ROA) | 1.9372% | 499 |
| Pretax return on assets | 1.9800% | 718 |
| Return on Equity (ROE) | 18.7083% | 439 |
| Retained earnings to average equity (ytd only) | 12.4287% | 517 |
| Net charge-offs to loans | 0.1164% | 4,005 |
| Credit loss provision to net charge-offs | 122.4013% | 2,242 |
| Earnings coverage of net charge-offs (x) | 26.9815% | 1,146 |
| Efficiency ratio | 51.4317% | 6,546 |
| Assets per employee ($millions) | 5.0210% | 2,157 |
| Cash dividends to net income (ytd only)* | 33.5656% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8786% | 2,617 |
| Loan loss allowance to noncurrent loans | 189.8413% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 4,854 |
| Noncurrent loans to loans | 0.9896% | 4,525 |
| Net loans and leases to total assets | 64.6106% | 2,906 |
| Net loans and leases to deposits | 78.3655% | 2,622 |
| Net loans and leases to core deposits | 83.5632% | 2,750 |
| Total domestic deposits to total assets | 82.4478% | 4,968 |
| Equity capital to assets | 10.5001% | 3,689 |
| Core capital (leverage) ratio | 9.4350% | 4,239 |
| Tier 1 risk-based capital ratio | 12.6562% | 5,450 |
| Total risk-based capital ratio | 13.9135% | 5,422 |
| Memoranda: | ||
| Average total assets | $3,229,551,330 | 238 |
| Average earning assets | $3,036,730,000 | 226 |
| Average equity | $334,418,330 | 256 |
| Average total loans | $2,131,694,330 | 229 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 4,406 |
| Cost of funding earning assets | 0.6162% | 5,003 |
| Net interest margin | 3.7637% | 3,545 |
| Noninterest income to average assets | 0.8023% | 2,156 |
| Noninterest expense to average assets | 2.3182% | 5,724 |
| Loan and lease loss provision to assets | 0.1031% | 4,047 |
| Net operating income to assets | 1.8665% | 522 |
| Return on assets (ROA) | 1.8668% | 594 |
| Pretax return on assets | 1.9104% | 862 |
| Return on Equity (ROE) | 18.1587% | 532 |
| Retained earnings to average equity (ytd only) | 13.9029% | 579 |
| Net charge-offs to loans | 0.0486% | 4,021 |
| Credit loss provision to net charge-offs | 321.0117% | 932 |
| Earnings coverage of net charge-offs (x) | 62.6693% | 536 |
| Efficiency ratio | 52.9335% | 6,444 |
| Assets per employee ($millions) | 5.0448% | 2,202 |
| Cash dividends to net income (ytd only)* | 23.4365% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 2,518 |
| Loan loss allowance to noncurrent loans | 154.2774% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 4,512 |
| Noncurrent loans to loans | 1.2651% | 4,214 |
| Net loans and leases to total assets | 63.7529% | 2,900 |
| Net loans and leases to deposits | 74.1979% | 3,094 |
| Net loans and leases to core deposits | 79.2188% | 3,151 |
| Total domestic deposits to total assets | 85.9227% | 3,576 |
| Equity capital to assets | 10.3805% | 3,634 |
| Core capital (leverage) ratio | 9.3432% | 4,294 |
| Tier 1 risk-based capital ratio | 12.7144% | 5,430 |
| Total risk-based capital ratio | 13.9724% | 5,385 |
| Memoranda: | ||
| Average total assets | $3,199,954,500 | 237 |
| Average earning assets | $3,000,548,500 | 223 |
| Average equity | $328,967,000 | 253 |
| Average total loans | $2,114,760,500 | 230 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 3,807 |
| Cost of funding earning assets | 0.8124% | 4,773 |
| Net interest margin | 3.9881% | 2,946 |
| Noninterest income to average assets | 0.7609% | 2,276 |
| Noninterest expense to average assets | 2.3175% | 6,000 |
| Loan and lease loss provision to assets | 0.2758% | 3,460 |
| Net operating income to assets | 1.8691% | 406 |
| Return on assets (ROA) | 1.8818% | 430 |
| Pretax return on assets | 1.9232% | 633 |
| Return on Equity (ROE) | 19.0671% | 311 |
| Retained earnings to average equity (ytd only) | 11.0944% | 390 |
| Net charge-offs to loans | 0.1884% | 4,637 |
| Credit loss provision to net charge-offs | 212.6106% | 1,157 |
| Earnings coverage of net charge-offs (x) | 16.8504% | 1,301 |
| Efficiency ratio | 50.8681% | 6,784 |
| Assets per employee ($millions) | 4.9473% | 2,279 |
| Cash dividends to net income (ytd only)* | 41.8140% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 2,574 |
| Loan loss allowance to noncurrent loans | 172.4351% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 4,784 |
| Noncurrent loans to loans | 1.1000% | 4,510 |
| Net loans and leases to total assets | 65.8977% | 2,807 |
| Net loans and leases to deposits | 77.0869% | 2,982 |
| Net loans and leases to core deposits | 82.5568% | 3,097 |
| Total domestic deposits to total assets | 85.4849% | 3,605 |
| Equity capital to assets | 10.1784% | 3,932 |
| Core capital (leverage) ratio | 9.1617% | 4,525 |
| Tier 1 risk-based capital ratio | 12.1542% | 5,722 |
| Total risk-based capital ratio | 13.4113% | 5,692 |
| Memoranda: | ||
| Average total assets | $3,050,069,800 | 238 |
| Average earning assets | $2,862,404,600 | 229 |
| Average equity | $301,026,800 | 265 |
| Average total loans | $2,100,251,400 | 230 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 3,804 |
| Cost of funding earning assets | 0.8562% | 4,727 |
| Net interest margin | 3.9897% | 2,956 |
| Noninterest income to average assets | 0.7484% | 2,323 |
| Noninterest expense to average assets | 2.3400% | 5,936 |
| Loan and lease loss provision to assets | 0.3220% | 2,959 |
| Net operating income to assets | 1.7955% | 524 |
| Return on assets (ROA) | 1.8069% | 557 |
| Pretax return on assets | 1.8479% | 862 |
| Return on Equity (ROE) | 18.4595% | 421 |
| Retained earnings to average equity (ytd only) | 11.2424% | 592 |
| Net charge-offs to loans | 0.2671% | 3,769 |
| Credit loss provision to net charge-offs | 173.9981% | 1,713 |
| Earnings coverage of net charge-offs (x) | 11.6613% | 1,788 |
| Efficiency ratio | 51.4213% | 6,731 |
| Assets per employee ($millions) | 4.9087% | 2,309 |
| Cash dividends to net income (ytd only)* | 39.0969% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 2,755 |
| Loan loss allowance to noncurrent loans | 162.0575% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 4,732 |
| Noncurrent loans to loans | 1.1466% | 4,627 |
| Net loans and leases to total assets | 67.2305% | 2,633 |
| Net loans and leases to deposits | 78.9055% | 2,826 |
| Net loans and leases to core deposits | 85.2040% | 2,881 |
| Total domestic deposits to total assets | 85.2038% | 3,673 |
| Equity capital to assets | 10.2823% | 3,980 |
| Core capital (leverage) ratio | 9.0333% | 4,877 |
| Tier 1 risk-based capital ratio | 12.0350% | 5,866 |
| Total risk-based capital ratio | 13.2920% | 5,851 |
| Memoranda: | ||
| Average total assets | $3,019,777,500 | 235 |
| Average earning assets | $2,838,293,250 | 227 |
| Average equity | $295,588,250 | 268 |
| Average total loans | $2,092,769,750 | 229 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 3,713 |
| Cost of funding earning assets | 0.8993% | 4,680 |
| Net interest margin | 3.9797% | 2,938 |
| Noninterest income to average assets | 0.7475% | 2,271 |
| Noninterest expense to average assets | 2.3521% | 5,989 |
| Loan and lease loss provision to assets | 0.3946% | 2,441 |
| Net operating income to assets | 1.6998% | 602 |
| Return on assets (ROA) | 1.7022% | 646 |
| Pretax return on assets | 1.7455% | 967 |
| Return on Equity (ROE) | 17.6942% | 490 |
| Retained earnings to average equity (ytd only) | 13.5414% | 351 |
| Net charge-offs to loans | 0.2279% | 3,759 |
| Credit loss provision to net charge-offs | 248.9290% | 1,219 |
| Earnings coverage of net charge-offs (x) | 13.4838% | 1,542 |
| Efficiency ratio | 51.7856% | 6,805 |
| Assets per employee ($millions) | 4.7502% | 2,476 |
| Cash dividends to net income (ytd only)* | 23.4696% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 2,675 |
| Loan loss allowance to noncurrent loans | 177.9936% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9668% | 4,931 |
| Noncurrent loans to loans | 1.0663% | 4,882 |
| Net loans and leases to total assets | 67.4690% | 2,715 |
| Net loans and leases to deposits | 78.6257% | 3,016 |
| Net loans and leases to core deposits | 85.1331% | 3,054 |
| Total domestic deposits to total assets | 85.8104% | 3,434 |
| Equity capital to assets | 10.1503% | 3,946 |
| Core capital (leverage) ratio | 8.8882% | 4,900 |
| Tier 1 risk-based capital ratio | 11.8812% | 5,875 |
| Total risk-based capital ratio | 13.1388% | 5,850 |
| Memoranda: | ||
| Average total assets | $3,003,714,670 | 238 |
| Average earning assets | $2,824,532,000 | 232 |
| Average equity | $288,965,330 | 272 |
| Average total loans | $2,089,806,000 | 235 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 3,885 |
| Cost of funding earning assets | 0.9240% | 4,751 |
| Net interest margin | 3.9134% | 3,074 |
| Noninterest income to average assets | 0.8133% | 1,977 |
| Noninterest expense to average assets | 2.3618% | 6,016 |
| Loan and lease loss provision to assets | 0.5357% | 1,622 |
| Net operating income to assets | 1.5521% | 772 |
| Return on assets (ROA) | 1.5530% | 808 |
| Pretax return on assets | 1.5954% | 1,202 |
| Return on Equity (ROE) | 16.6057% | 613 |
| Retained earnings to average equity (ytd only) | 16.6057% | 302 |
| Net charge-offs to loans | 0.2346% | 3,138 |
| Credit loss provision to net charge-offs | 326.3844% | 997 |
| Earnings coverage of net charge-offs (x) | 12.9780% | 1,469 |
| Efficiency ratio | 51.9743% | 6,857 |
| Assets per employee ($millions) | 4.8693% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 2,773 |
| Loan loss allowance to noncurrent loans | 121.6898% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 4,147 |
| Noncurrent loans to loans | 1.5418% | 4,155 |
| Net loans and leases to total assets | 66.7707% | 2,818 |
| Net loans and leases to deposits | 77.4349% | 3,164 |
| Net loans and leases to core deposits | 83.3723% | 3,244 |
| Total domestic deposits to total assets | 86.2281% | 3,380 |
| Equity capital to assets | 9.4408% | 4,515 |
| Core capital (leverage) ratio | 8.8158% | 4,901 |
| Tier 1 risk-based capital ratio | 11.5361% | 6,072 |
| Total risk-based capital ratio | 12.7932% | 6,048 |
| Memoranda: | ||
| Average total assets | $2,992,638,000 | 239 |
| Average earning assets | $2,813,125,000 | 231 |
| Average equity | $279,880,500 | 272 |
| Average total loans | $2,094,200,500 | 233 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2317% | 3,449 |
| Cost of funding earning assets | 1.1421% | 4,898 |
| Net interest margin | 4.0896% | 2,618 |
| Noninterest income to average assets | 0.8223% | 2,177 |
| Noninterest expense to average assets | 2.4607% | 5,915 |
| Loan and lease loss provision to assets | 0.2539% | 4,761 |
| Net operating income to assets | 1.9096% | 333 |
| Return on assets (ROA) | 1.9178% | 350 |
| Pretax return on assets | 1.9602% | 530 |
| Return on Equity (ROE) | 20.0510% | 251 |
| Retained earnings to average equity (ytd only) | 15.1511% | 118 |
| Net charge-offs to loans | 0.4287% | 3,904 |
| Credit loss provision to net charge-offs | 80.4835% | 5,551 |
| Earnings coverage of net charge-offs (x) | 6.9929% | 2,225 |
| Efficiency ratio | 52.5128% | 6,945 |
| Assets per employee ($millions) | 4.7762% | 2,452 |
| Cash dividends to net income (ytd only)* | 24.4371% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 3,240 |
| Loan loss allowance to noncurrent loans | 123.9749% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2920% | 4,450 |
| Noncurrent loans to loans | 1.3651% | 4,438 |
| Net loans and leases to total assets | 70.7451% | 2,366 |
| Net loans and leases to deposits | 83.2470% | 2,579 |
| Net loans and leases to core deposits | 90.1555% | 2,748 |
| Total domestic deposits to total assets | 84.9821% | 3,856 |
| Equity capital to assets | 9.2613% | 4,735 |
| Core capital (leverage) ratio | 8.8696% | 4,752 |
| Tier 1 risk-based capital ratio | 10.8557% | 6,443 |
| Total risk-based capital ratio | 12.1107% | 6,408 |
| Memoranda: | ||
| Average total assets | $2,688,554,800 | 267 |
| Average earning assets | $2,527,083,200 | 254 |
| Average equity | $257,149,200 | 295 |
| Average total loans | $1,978,216,400 | 246 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3228% | 3,240 |
| Cost of funding earning assets | 1.1942% | 4,893 |
| Net interest margin | 4.1286% | 2,493 |
| Noninterest income to average assets | 0.8223% | 2,118 |
| Noninterest expense to average assets | 2.4950% | 5,731 |
| Loan and lease loss provision to assets | 0.2519% | 4,572 |
| Net operating income to assets | 1.9130% | 393 |
| Return on assets (ROA) | 1.9229% | 425 |
| Pretax return on assets | 1.9656% | 669 |
| Return on Equity (ROE) | 19.9262% | 311 |
| Retained earnings to average equity (ytd only) | 13.2885% | 322 |
| Net charge-offs to loans | 0.4525% | 3,492 |
| Credit loss provision to net charge-offs | 75.1897% | 5,273 |
| Earnings coverage of net charge-offs (x) | 6.5891% | 2,492 |
| Efficiency ratio | 52.8719% | 6,898 |
| Assets per employee ($millions) | 4.7001% | 2,597 |
| Cash dividends to net income (ytd only)* | 33.3113% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 2,713 |
| Loan loss allowance to noncurrent loans | 109.0631% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.5714% | 4,085 |
| Noncurrent loans to loans | 1.6709% | 4,139 |
| Net loans and leases to total assets | 71.2088% | 2,433 |
| Net loans and leases to deposits | 83.7092% | 2,755 |
| Net loans and leases to core deposits | 91.4976% | 2,876 |
| Total domestic deposits to total assets | 85.0668% | 3,591 |
| Equity capital to assets | 9.9607% | 4,205 |
| Core capital (leverage) ratio | 9.0433% | 4,611 |
| Tier 1 risk-based capital ratio | 11.4009% | 6,020 |
| Total risk-based capital ratio | 12.6570% | 6,001 |
| Memoranda: | ||
| Average total assets | $2,622,763,500 | 271 |
| Average earning assets | $2,464,863,750 | 259 |
| Average equity | $253,094,250 | 295 |
| Average total loans | $1,941,734,000 | 249 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3546% | 3,191 |
| Cost of funding earning assets | 1.2204% | 5,014 |
| Net interest margin | 4.1342% | 2,403 |
| Noninterest income to average assets | 0.7796% | 2,240 |
| Noninterest expense to average assets | 2.5111% | 5,683 |
| Loan and lease loss provision to assets | 0.3797% | 3,437 |
| Net operating income to assets | 1.7399% | 539 |
| Return on assets (ROA) | 1.7513% | 576 |
| Pretax return on assets | 1.7855% | 913 |
| Return on Equity (ROE) | 18.3550% | 434 |
| Retained earnings to average equity (ytd only) | 11.0706% | 641 |
| Net charge-offs to loans | 0.2928% | 3,863 |
| Credit loss provision to net charge-offs | 173.9300% | 2,246 |
| Earnings coverage of net charge-offs (x) | 9.8649% | 1,965 |
| Efficiency ratio | 53.6413% | 6,920 |
| Assets per employee ($millions) | 4.5327% | 2,819 |
| Cash dividends to net income (ytd only)* | 39.6860% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0457% | 2,078 |
| Loan loss allowance to noncurrent loans | 158.0867% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2156% | 4,705 |
| Noncurrent loans to loans | 1.2941% | 4,795 |
| Net loans and leases to total assets | 71.9235% | 2,422 |
| Net loans and leases to deposits | 83.8440% | 2,896 |
| Net loans and leases to core deposits | 91.7632% | 3,020 |
| Total domestic deposits to total assets | 85.7825% | 3,215 |
| Equity capital to assets | 9.7036% | 4,403 |
| Core capital (leverage) ratio | 8.7699% | 4,973 |
| Tier 1 risk-based capital ratio | 11.3757% | 5,885 |
| Total risk-based capital ratio | 12.6355% | 5,857 |
| Memoranda: | ||
| Average total assets | $2,589,908,000 | 275 |
| Average earning assets | $2,433,858,670 | 260 |
| Average equity | $247,104,670 | 298 |
| Average total loans | $1,931,047,000 | 253 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3529% | 3,282 |
| Cost of funding earning assets | 1.2394% | 5,176 |
| Net interest margin | 4.1135% | 2,382 |
| Noninterest income to average assets | 0.7569% | 2,260 |
| Noninterest expense to average assets | 2.5602% | 5,517 |
| Loan and lease loss provision to assets | 0.3625% | 3,196 |
| Net operating income to assets | 1.6557% | 677 |
| Return on assets (ROA) | 1.6569% | 725 |
| Pretax return on assets | 1.6915% | 1,074 |
| Return on Equity (ROE) | 17.5199% | 557 |
| Retained earnings to average equity (ytd only) | 17.5199% | 265 |
| Net charge-offs to loans | 0.3110% | 3,173 |
| Credit loss provision to net charge-offs | 155.0734% | 2,308 |
| Earnings coverage of net charge-offs (x) | 8.7824% | 1,924 |
| Efficiency ratio | 55.3071% | 6,848 |
| Assets per employee ($millions) | 4.5411% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 2,146 |
| Loan loss allowance to noncurrent loans | 134.9652% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.3483% | 4,493 |
| Noncurrent loans to loans | 1.4938% | 4,502 |
| Net loans and leases to total assets | 72.1573% | 2,413 |
| Net loans and leases to deposits | 83.8287% | 2,966 |
| Net loans and leases to core deposits | 91.4854% | 3,171 |
| Total domestic deposits to total assets | 86.0770% | 3,112 |
| Equity capital to assets | 9.5676% | 4,428 |
| Core capital (leverage) ratio | 8.9630% | 4,629 |
| Tier 1 risk-based capital ratio | 11.1995% | 5,957 |
| Total risk-based capital ratio | 12.4581% | 5,906 |
| Memoranda: | ||
| Average total assets | $2,563,575,000 | 285 |
| Average earning assets | $2,403,106,000 | 276 |
| Average equity | $242,444,500 | 303 |
| Average total loans | $1,926,407,500 | 262 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6424% | 3,385 |
| Cost of funding earning assets | 1.5041% | 5,497 |
| Net interest margin | 4.1383% | 2,290 |
| Noninterest income to average assets | 0.8523% | 2,169 |
| Noninterest expense to average assets | 2.6155% | 5,739 |
| Loan and lease loss provision to assets | 0.2998% | 5,036 |
| Net operating income to assets | 1.7829% | 373 |
| Return on assets (ROA) | 1.8003% | 380 |
| Pretax return on assets | 1.8389% | 586 |
| Return on Equity (ROE) | 19.2099% | 289 |
| Retained earnings to average equity (ytd only) | 8.3638% | 615 |
| Net charge-offs to loans | 0.1250% | 5,942 |
| Credit loss provision to net charge-offs | 306.2896% | 1,078 |
| Earnings coverage of net charge-offs (x) | 21.6686% | 988 |
| Efficiency ratio | 55.0182% | 7,127 |
| Assets per employee ($millions) | 4.4539% | 3,000 |
| Cash dividends to net income (ytd only)* | 56.4609% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9317% | 2,187 |
| Loan loss allowance to noncurrent loans | 205.2396% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0220% | 5,066 |
| Noncurrent loans to loans | 0.9412% | 5,431 |
| Net loans and leases to total assets | 75.1970% | 1,986 |
| Net loans and leases to deposits | 87.9573% | 2,560 |
| Net loans and leases to core deposits | 104.2282% | 3,546 |
| Total domestic deposits to total assets | 85.4925% | 3,297 |
| Equity capital to assets | 9.3448% | 4,639 |
| Core capital (leverage) ratio | 8.7682% | 4,810 |
| Tier 1 risk-based capital ratio | 10.5807% | 6,311 |
| Total risk-based capital ratio | 11.8382% | 6,290 |
| Memoranda: | ||
| Average total assets | $2,420,192,600 | 301 |
| Average earning assets | $2,271,629,000 | 295 |
| Average equity | $226,810,000 | 313 |
| Average total loans | $1,895,711,000 | 278 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6589% | 3,526 |
| Cost of funding earning assets | 1.5577% | 5,596 |
| Net interest margin | 4.1012% | 2,389 |
| Noninterest income to average assets | 0.8505% | 2,198 |
| Noninterest expense to average assets | 2.6695% | 5,458 |
| Loan and lease loss provision to assets | 0.2841% | 4,702 |
| Net operating income to assets | 1.7124% | 548 |
| Return on assets (ROA) | 1.7353% | 554 |
| Pretax return on assets | 1.7752% | 844 |
| Return on Equity (ROE) | 18.5030% | 405 |
| Retained earnings to average equity (ytd only) | 6.3714% | 1,783 |
| Net charge-offs to loans | 0.1057% | 5,614 |
| Credit loss provision to net charge-offs | 341.1253% | 1,198 |
| Earnings coverage of net charge-offs (x) | 24.4481% | 1,090 |
| Efficiency ratio | 56.5289% | 6,933 |
| Assets per employee ($millions) | 4.8692% | 2,304 |
| Cash dividends to net income (ytd only)* | 65.5653% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 2,062 |
| Loan loss allowance to noncurrent loans | 186.6769% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1412% | 4,788 |
| Noncurrent loans to loans | 1.0120% | 5,283 |
| Net loans and leases to total assets | 76.5523% | 1,884 |
| Net loans and leases to deposits | 90.8784% | 2,419 |
| Net loans and leases to core deposits | 107.2974% | 3,561 |
| Total domestic deposits to total assets | 84.2360% | 3,606 |
| Equity capital to assets | 9.3378% | 4,973 |
| Core capital (leverage) ratio | 8.6010% | 5,303 |
| Tier 1 risk-based capital ratio | 10.3421% | 6,631 |
| Total risk-based capital ratio | 11.5993% | 6,566 |
| Memoranda: | ||
| Average total assets | $2,390,565,250 | 315 |
| Average earning assets | $2,246,934,000 | 309 |
| Average equity | $224,203,500 | 329 |
| Average total loans | $1,882,981,000 | 293 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6763% | 3,684 |
| Cost of funding earning assets | 1.6130% | 5,694 |
| Net interest margin | 4.0633% | 2,457 |
| Noninterest income to average assets | 0.8490% | 2,185 |
| Noninterest expense to average assets | 2.7150% | 5,326 |
| Loan and lease loss provision to assets | 0.2877% | 4,272 |
| Net operating income to assets | 1.6232% | 649 |
| Return on assets (ROA) | 1.6383% | 700 |
| Pretax return on assets | 1.6749% | 1,068 |
| Return on Equity (ROE) | 17.4417% | 537 |
| Retained earnings to average equity (ytd only) | 9.3427% | 848 |
| Net charge-offs to loans | 0.0569% | 5,697 |
| Credit loss provision to net charge-offs | 639.8496% | 727 |
| Earnings coverage of net charge-offs (x) | 43.3026% | 767 |
| Efficiency ratio | 58.0216% | 6,864 |
| Assets per employee ($millions) | 4.1913% | 3,313 |
| Cash dividends to net income (ytd only)* | 46.4348% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 1,817 |
| Loan loss allowance to noncurrent loans | 197.6233% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 4,750 |
| Noncurrent loans to loans | 0.9568% | 5,308 |
| Net loans and leases to total assets | 76.7516% | 2,001 |
| Net loans and leases to deposits | 89.2447% | 2,945 |
| Net loans and leases to core deposits | 104.9574% | 3,962 |
| Total domestic deposits to total assets | 86.0012% | 2,792 |
| Equity capital to assets | 9.3752% | 4,779 |
| Core capital (leverage) ratio | 8.6377% | 5,206 |
| Tier 1 risk-based capital ratio | 11.0084% | 5,865 |
| Total risk-based capital ratio | 12.2664% | 5,785 |
| Memoranda: | ||
| Average total assets | $2,366,149,670 | 326 |
| Average earning assets | $2,220,504,000 | 321 |
| Average equity | $222,249,330 | 334 |
| Average total loans | $1,869,834,000 | 301 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7107% | 3,746 |
| Cost of funding earning assets | 1.6635% | 5,767 |
| Net interest margin | 4.0472% | 2,463 |
| Noninterest income to average assets | 0.8654% | 2,010 |
| Noninterest expense to average assets | 2.7640% | 4,724 |
| Loan and lease loss provision to assets | 0.3474% | 3,237 |
| Net operating income to assets | 1.4974% | 942 |
| Return on assets (ROA) | 1.5057% | 996 |
| Pretax return on assets | 1.5447% | 1,545 |
| Return on Equity (ROE) | 16.0147% | 822 |
| Retained earnings to average equity (ytd only) | 16.0147% | 338 |
| Net charge-offs to loans | 0.0670% | 4,535 |
| Credit loss provision to net charge-offs | 653.2051% | 884 |
| Earnings coverage of net charge-offs (x) | 35.4135% | 939 |
| Efficiency ratio | 59.2546% | 6,515 |
| Assets per employee ($millions) | 4.1082% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 1,741 |
| Loan loss allowance to noncurrent loans | 183.0181% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1743% | 4,322 |
| Noncurrent loans to loans | 1.0110% | 4,979 |
| Net loans and leases to total assets | 76.4123% | 2,184 |
| Net loans and leases to deposits | 89.2612% | 3,055 |
| Net loans and leases to core deposits | 104.8174% | 4,049 |
| Total domestic deposits to total assets | 85.6053% | 2,920 |
| Equity capital to assets | 9.4111% | 4,794 |
| Core capital (leverage) ratio | 8.8512% | 4,909 |
| Tier 1 risk-based capital ratio | 10.8329% | 6,062 |
| Total risk-based capital ratio | 12.0898% | 5,960 |
| Memoranda: | ||
| Average total assets | $2,346,309,000 | 329 |
| Average earning assets | $2,192,707,500 | 323 |
| Average equity | $220,598,000 | 338 |
| Average total loans | $1,863,700,500 | 300 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4927% | 2,990 |
| Cost of funding earning assets | 2.1512% | 5,824 |
| Net interest margin | 4.3415% | 1,852 |
| Noninterest income to average assets | 0.9461% | 1,785 |
| Noninterest expense to average assets | 2.6743% | 5,364 |
| Loan and lease loss provision to assets | 0.1396% | 5,572 |
| Net operating income to assets | 2.1227% | 278 |
| Return on assets (ROA) | 1.6355% | 739 |
| Pretax return on assets | 1.6752% | 1,203 |
| Return on Equity (ROE) | 17.2871% | 602 |
| Retained earnings to average equity (ytd only) | 3.0550% | 3,264 |
| Net charge-offs to loans | 0.0902% | 5,455 |
| Credit loss provision to net charge-offs | 191.2237% | 2,571 |
| Earnings coverage of net charge-offs (x) | 31.6638% | 1,129 |
| Efficiency ratio | 53.3920% | 7,340 |
| Assets per employee ($millions) | 3.9683% | 3,586 |
| Cash dividends to net income (ytd only)* | 82.3276% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 1,752 |
| Loan loss allowance to noncurrent loans | 219.7019% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.9823% | 4,374 |
| Noncurrent loans to loans | 0.7981% | 5,046 |
| Net loans and leases to total assets | 79.6492% | 1,737 |
| Net loans and leases to deposits | 93.9454% | 2,770 |
| Net loans and leases to core deposits | 107.3877% | 4,033 |
| Total domestic deposits to total assets | 84.7824% | 2,942 |
| Equity capital to assets | 9.3924% | 4,830 |
| Core capital (leverage) ratio | 8.7544% | 5,109 |
| Tier 1 risk-based capital ratio | 10.2949% | 6,427 |
| Total risk-based capital ratio | 11.5506% | 6,291 |
| Memoranda: | ||
| Average total assets | $2,215,969,400 | 327 |
| Average earning assets | $2,062,138,800 | 320 |
| Average equity | $209,653,800 | 358 |
| Average total loans | $1,794,342,200 | 304 |