| 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 | 4.6191% | 3,718 |
| Cost of funding earning assets | 1.4456% | 3,454 |
| Net interest margin | 3.1735% | 2,774 |
| Noninterest income to average assets | 0.7400% | 1,053 |
| Noninterest expense to average assets | 2.5555% | 2,148 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.0929% | 1,764 |
| Return on assets (ROA) | 1.0929% | 1,764 |
| Pretax return on assets | 1.0929% | 2,268 |
| Return on Equity (ROE) | 11.1100% | 1,858 |
| Retained earnings to average equity (ytd only) | 6.8521% | 1,478 |
| Net charge-offs to loans | 0.0284% | 2,009 |
| Credit loss provision to net charge-offs | 199.6928% | 1,137 |
| Earnings coverage of net charge-offs (x) | 68.8679% | 1,023 |
| Efficiency ratio | 68.3069% | 2,209 |
| Assets per employee ($millions) | 5.0938% | 3,571 |
| Cash dividends to net income (ytd only)* | 38.2974% | 2,216 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1825% | 2,258 |
| Loan loss allowance to noncurrent loans | 264.9625% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 2,168 |
| Noncurrent loans to loans | 0.4463% | 1,953 |
| Net loans and leases to total assets | 58.0300% | 3,102 |
| Net loans and leases to deposits | 65.2532% | 3,266 |
| Net loans and leases to core deposits | 68.4512% | 3,421 |
| Total domestic deposits to total assets | 88.9300% | 1,189 |
| Equity capital to assets | 10.4450% | 1,859 |
| Core capital (leverage) ratio | 9.8689% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0878% | 1,241 |
| Memoranda: |
| Average total assets | $3,983,343,000 | 337 |
| Average earning assets | $3,689,896,600 | 324 |
| Average equity | $392,010,600 | 347 |
| Average total loans | $2,289,264,200 | 383 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4938% | 3,846 |
| Cost of funding earning assets | 1.4678% | 3,416 |
| Net interest margin | 3.0260% | 3,044 |
| Noninterest income to average assets | 0.7700% | 943 |
| Noninterest expense to average assets | 2.5281% | 2,163 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.0050% | 2,037 |
| Return on assets (ROA) | 1.0050% | 2,039 |
| Pretax return on assets | 1.0050% | 2,536 |
| Return on Equity (ROE) | 10.3700% | 2,089 |
| Retained earnings to average equity (ytd only) | 6.1621% | 2,032 |
| Net charge-offs to loans | 0.0325% | 1,674 |
| Credit loss provision to net charge-offs | 232.5581% | 990 |
| Earnings coverage of net charge-offs (x) | 56.4329% | 1,139 |
| Efficiency ratio | 69.4834% | 2,079 |
| Assets per employee ($millions) | 5.4730% | 3,298 |
| Cash dividends to net income (ytd only)* | 40.5508% | 1,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1778% | 2,331 |
| Loan loss allowance to noncurrent loans | 238.6217% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 2,137 |
| Noncurrent loans to loans | 0.4936% | 1,844 |
| Net loans and leases to total assets | 54.6300% | 3,369 |
| Net loans and leases to deposits | 67.0962% | 3,177 |
| Net loans and leases to core deposits | 70.2556% | 3,379 |
| Total domestic deposits to total assets | 81.4200% | 3,220 |
| Equity capital to assets | 10.2360% | 2,142 |
| Core capital (leverage) ratio | 9.6475% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7877% | 1,338 |
| Memoranda: |
| Average total assets | $4,012,625,750 | 321 |
| Average earning assets | $3,718,424,750 | 317 |
| Average equity | $389,056,750 | 343 |
| Average total loans | $2,294,005,000 | 378 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4862% | 3,803 |
| Cost of funding earning assets | 1.4718% | 3,343 |
| Net interest margin | 3.0145% | 3,024 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.5424% | 2,119 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.9890% | 2,028 |
| Return on assets (ROA) | 0.9890% | 2,033 |
| Pretax return on assets | 0.9890% | 2,520 |
| Return on Equity (ROE) | 10.4000% | 2,052 |
| Retained earnings to average equity (ytd only) | 5.9025% | 2,041 |
| Net charge-offs to loans | 0.0366% | 1,451 |
| Credit loss provision to net charge-offs | 154.7619% | 1,192 |
| Earnings coverage of net charge-offs (x) | 48.3024% | 1,141 |
| Efficiency ratio | 69.9757% | 2,114 |
| Assets per employee ($millions) | 5.2845% | 3,385 |
| Cash dividends to net income (ytd only)* | 43.2551% | 1,695 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1424% | 2,551 |
| Loan loss allowance to noncurrent loans | 238.0168% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 2,050 |
| Noncurrent loans to loans | 0.4800% | 1,806 |
| Net loans and leases to total assets | 57.4700% | 3,159 |
| Net loans and leases to deposits | 70.0563% | 2,989 |
| Net loans and leases to core deposits | 73.4856% | 3,193 |
| Total domestic deposits to total assets | 82.0300% | 3,069 |
| Equity capital to assets | 9.6723% | 2,286 |
| Core capital (leverage) ratio | 9.4266% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3465% | 1,429 |
| Memoranda: |
| Average total assets | $3,970,981,000 | 332 |
| Average earning assets | $3,678,395,667 | 321 |
| Average equity | $377,568,667 | 347 |
| Average total loans | $2,296,290,000 | 380 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4247% | 3,799 |
| Cost of funding earning assets | 1.4662% | 3,276 |
| Net interest margin | 2.9586% | 3,073 |
| Noninterest income to average assets | 0.8000% | 824 |
| Noninterest expense to average assets | 2.5198% | 2,184 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.9928% | 1,946 |
| Return on assets (ROA) | 0.9928% | 1,958 |
| Pretax return on assets | 0.9928% | 2,397 |
| Return on Equity (ROE) | 10.5300% | 1,969 |
| Retained earnings to average equity (ytd only) | 6.2090% | 2,047 |
| Net charge-offs to loans | 0.0435% | 1,098 |
| Credit loss provision to net charge-offs | 120.4819% | 1,044 |
| Earnings coverage of net charge-offs (x) | 40.7470% | 1,055 |
| Efficiency ratio | 69.6770% | 2,184 |
| Assets per employee ($millions) | 5.2524% | 3,464 |
| Cash dividends to net income (ytd only)* | 41.0522% | 1,513 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1499% | 2,547 |
| Loan loss allowance to noncurrent loans | 154.8189% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 1,456 |
| Noncurrent loans to loans | 0.7427% | 1,203 |
| Net loans and leases to total assets | 56.6000% | 3,148 |
| Net loans and leases to deposits | 68.5924% | 3,001 |
| Net loans and leases to core deposits | 71.5969% | 3,247 |
| Total domestic deposits to total assets | 82.5200% | 3,087 |
| Equity capital to assets | 9.3258% | 2,447 |
| Core capital (leverage) ratio | 9.2464% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3154% | 1,450 |
| Memoranda: |
| Average total assets | $3,966,842,000 | 332 |
| Average earning assets | $3,676,255,000 | 321 |
| Average equity | $373,910,500 | 353 |
| Average total loans | $2,287,777,000 | 382 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1016% | 3,807 |
| Cost of funding earning assets | 0.9893% | 3,321 |
| Net interest margin | 3.1123% | 3,072 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.5598% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1731% | 1,714 |
| Return on assets (ROA) | 1.1731% | 1,684 |
| Pretax return on assets | 1.1731% | 2,207 |
| Return on Equity (ROE) | 13.4400% | 1,620 |
| Retained earnings to average equity (ytd only) | 9.3214% | 1,179 |
| Net charge-offs to loans | 0.0155% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 128.9605% | 783 |
| Efficiency ratio | 67.1616% | 2,214 |
| Assets per employee ($millions) | 5.1529% | 3,519 |
| Cash dividends to net income (ytd only)* | 30.6295% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1425% | 2,593 |
| Loan loss allowance to noncurrent loans | 157.2260% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 1,315 |
| Noncurrent loans to loans | 0.7267% | 1,070 |
| Net loans and leases to total assets | 57.4300% | 3,088 |
| Net loans and leases to deposits | 69.1067% | 2,943 |
| Net loans and leases to core deposits | 71.9990% | 3,192 |
| Total domestic deposits to total assets | 83.1000% | 2,867 |
| Equity capital to assets | 9.5270% | 2,328 |
| Core capital (leverage) ratio | 9.2187% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9960% | 1,530 |
| Memoranda: |
| Average total assets | $3,891,707,400 | 326 |
| Average earning assets | $3,609,346,600 | 315 |
| Average equity | $339,746,200 | 355 |
| Average total loans | $2,285,110,000 | 365 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0338% | 3,791 |
| Cost of funding earning assets | 0.8722% | 3,338 |
| Net interest margin | 3.1615% | 3,001 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.5642% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2034% | 1,791 |
| Return on assets (ROA) | 1.2034% | 1,780 |
| Pretax return on assets | 1.2034% | 2,290 |
| Return on Equity (ROE) | 14.1100% | 1,629 |
| Retained earnings to average equity (ytd only) | 9.4290% | 1,568 |
| Net charge-offs to loans | 0.0165% | 1,809 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 124.1170% | 823 |
| Efficiency ratio | 66.6493% | 2,196 |
| Assets per employee ($millions) | 5.1704% | 3,458 |
| Cash dividends to net income (ytd only)* | 33.1876% | 1,948 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1497% | 2,622 |
| Loan loss allowance to noncurrent loans | 176.8004% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 1,456 |
| Noncurrent loans to loans | 0.6503% | 1,263 |
| Net loans and leases to total assets | 58.1700% | 3,018 |
| Net loans and leases to deposits | 69.3995% | 2,877 |
| Net loans and leases to core deposits | 71.7806% | 3,114 |
| Total domestic deposits to total assets | 83.8200% | 2,829 |
| Equity capital to assets | 8.6647% | 2,618 |
| Core capital (leverage) ratio | 8.9717% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7928% | 1,633 |
| Memoranda: |
| Average total assets | $3,877,853,000 | 329 |
| Average earning assets | $3,595,398,250 | 319 |
| Average equity | $330,672,000 | 368 |
| Average total loans | $2,283,163,500 | 368 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9148% | 3,838 |
| Cost of funding earning assets | 0.7055% | 3,473 |
| Net interest margin | 3.2093% | 2,966 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 2.5401% | 2,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2588% | 1,669 |
| Return on assets (ROA) | 1.2588% | 1,660 |
| Pretax return on assets | 1.2588% | 2,194 |
| Return on Equity (ROE) | 14.8400% | 1,498 |
| Retained earnings to average equity (ytd only) | 9.7698% | 1,474 |
| Net charge-offs to loans | 0.0115% | 1,768 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 186.2290% | 648 |
| Efficiency ratio | 65.4601% | 2,316 |
| Assets per employee ($millions) | 5.2110% | 3,404 |
| Cash dividends to net income (ytd only)* | 34.1736% | 1,935 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1330% | 2,783 |
| Loan loss allowance to noncurrent loans | 187.2298% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 1,486 |
| Noncurrent loans to loans | 0.6051% | 1,234 |
| Net loans and leases to total assets | 58.2900% | 2,936 |
| Net loans and leases to deposits | 69.2224% | 2,840 |
| Net loans and leases to core deposits | 71.0737% | 3,061 |
| Total domestic deposits to total assets | 84.2100% | 2,774 |
| Equity capital to assets | 8.5881% | 2,793 |
| Core capital (leverage) ratio | 8.9287% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1497% | 1,830 |
| Memoranda: |
| Average total assets | $3,876,148,333 | 317 |
| Average earning assets | $3,592,070,000 | 307 |
| Average equity | $328,747,000 | 359 |
| Average total loans | $2,282,588,000 | 356 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7528% | 3,941 |
| Cost of funding earning assets | 0.5007% | 3,685 |
| Net interest margin | 3.2521% | 2,988 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.5586% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3041% | 1,654 |
| Return on assets (ROA) | 1.3041% | 1,628 |
| Pretax return on assets | 1.3041% | 2,160 |
| Return on Equity (ROE) | 15.4800% | 1,465 |
| Retained earnings to average equity (ytd only) | 10.1014% | 1,672 |
| Net charge-offs to loans | 0.0149% | 1,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 148.9048% | 613 |
| Efficiency ratio | 64.8439% | 2,350 |
| Assets per employee ($millions) | 5.1420% | 3,535 |
| Cash dividends to net income (ytd only)* | 34.7298% | 1,602 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1825% | 2,648 |
| Loan loss allowance to noncurrent loans | 184.6964% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 1,396 |
| Noncurrent loans to loans | 0.6402% | 1,177 |
| Net loans and leases to total assets | 56.7500% | 2,981 |
| Net loans and leases to deposits | 66.7363% | 2,870 |
| Net loans and leases to core deposits | 68.9523% | 3,024 |
| Total domestic deposits to total assets | 85.0300% | 2,854 |
| Equity capital to assets | 8.6453% | 2,790 |
| Core capital (leverage) ratio | 9.0856% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0850% | 1,950 |
| Memoranda: |
| Average total assets | $3,836,632,500 | 333 |
| Average earning assets | $3,554,465,500 | 322 |
| Average equity | $323,283,500 | 374 |
| Average total loans | $2,257,908,500 | 372 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1870% | 3,834 |
| Cost of funding earning assets | 0.2375% | 3,438 |
| Net interest margin | 2.9495% | 3,572 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.3648% | 2,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1236% | 2,076 |
| Return on assets (ROA) | 1.1201% | 2,027 |
| Pretax return on assets | 1.1201% | 2,708 |
| Return on Equity (ROE) | 13.6700% | 1,612 |
| Retained earnings to average equity (ytd only) | 8.2992% | 1,723 |
| Net charge-offs to loans | 0.0062% | 2,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 327.9928% | 460 |
| Efficiency ratio | 66.3260% | 2,180 |
| Assets per employee ($millions) | 5.0274% | 3,658 |
| Cash dividends to net income (ytd only)* | 39.2819% | 1,947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1642% | 2,554 |
| Loan loss allowance to noncurrent loans | 182.7178% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 1,330 |
| Noncurrent loans to loans | 0.6372% | 1,162 |
| Net loans and leases to total assets | 59.6200% | 2,674 |
| Net loans and leases to deposits | 65.3640% | 2,927 |
| Net loans and leases to core deposits | 67.5962% | 3,035 |
| Total domestic deposits to total assets | 91.2100% | 868 |
| Equity capital to assets | 8.2001% | 2,935 |
| Core capital (leverage) ratio | 8.4261% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2796% | 2,247 |
| Memoranda: |
| Average total assets | $4,028,212,600 | 311 |
| Average earning assets | $3,754,262,600 | 306 |
| Average equity | $330,105,400 | 359 |
| Average total loans | $2,214,693,600 | 350 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0059% | 3,878 |
| Cost of funding earning assets | 0.1849% | 3,453 |
| Net interest margin | 2.8210% | 3,686 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.2986% | 2,630 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0300% | 2,363 |
| Return on assets (ROA) | 1.0255% | 2,360 |
| Pretax return on assets | 1.0582% | 2,848 |
| Return on Equity (ROE) | 12.5200% | 1,867 |
| Retained earnings to average equity (ytd only) | 7.4450% | 2,215 |
| Net charge-offs to loans | 0.0035% | 2,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 572.2105% | 279 |
| Efficiency ratio | 66.8864% | 2,169 |
| Assets per employee ($millions) | 5.2029% | 3,500 |
| Cash dividends to net income (ytd only)* | 40.5123% | 1,555 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1749% | 2,672 |
| Loan loss allowance to noncurrent loans | 172.9999% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 1,384 |
| Noncurrent loans to loans | 0.6791% | 1,200 |
| Net loans and leases to total assets | 56.9500% | 2,805 |
| Net loans and leases to deposits | 62.1807% | 3,009 |
| Net loans and leases to core deposits | 64.3551% | 3,083 |
| Total domestic deposits to total assets | 91.5900% | 1,015 |
| Equity capital to assets | 7.7325% | 3,067 |
| Core capital (leverage) ratio | 7.7199% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0136% | 2,469 |
| Memoranda: |
| Average total assets | $4,091,362,750 | 309 |
| Average earning assets | $3,820,481,250 | 301 |
| Average equity | $335,230,750 | 357 |
| Average total loans | $2,198,976,750 | 348 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7987% | 3,984 |
| Cost of funding earning assets | 0.1582% | 3,479 |
| Net interest margin | 2.6405% | 3,832 |
| Noninterest income to average assets | 0.7354% | 1,216 |
| Noninterest expense to average assets | 2.2153% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9555% | 2,336 |
| Return on assets (ROA) | 0.9474% | 2,341 |
| Pretax return on assets | 0.9802% | 2,798 |
| Return on Equity (ROE) | 11.3605% | 1,874 |
| Retained earnings to average equity (ytd only) | 5.2180% | 2,627 |
| Net charge-offs to loans | 0.0048% | 1,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 394.0769% | 323 |
| Efficiency ratio | 67.6022% | 2,295 |
| Assets per employee ($millions) | 5.4948% | 3,238 |
| Cash dividends to net income (ytd only)* | 54.0686% | 1,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1973% | 2,690 |
| Loan loss allowance to noncurrent loans | 174.7258% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 1,515 |
| Noncurrent loans to loans | 0.6853% | 1,261 |
| Net loans and leases to total assets | 53.1247% | 3,050 |
| Net loans and leases to deposits | 58.1658% | 3,211 |
| Net loans and leases to core deposits | 60.1368% | 3,265 |
| Total domestic deposits to total assets | 91.3332% | 1,092 |
| Equity capital to assets | 7.5372% | 3,446 |
| Core capital (leverage) ratio | 7.3498% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9608% | 2,517 |
| Memoranda: |
| Average total assets | $4,145,759,667 | 305 |
| Average earning assets | $3,875,670,333 | 298 |
| Average equity | $345,725,667 | 351 |
| Average total loans | $2,177,384,667 | 340 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6398% | 4,050 |
| Cost of funding earning assets | 0.1540% | 3,443 |
| Net interest margin | 2.4858% | 3,930 |
| Noninterest income to average assets | 0.7438% | 1,185 |
| Noninterest expense to average assets | 2.1935% | 2,856 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8421% | 2,516 |
| Return on assets (ROA) | 0.8421% | 2,509 |
| Pretax return on assets | 0.8762% | 2,871 |
| Return on Equity (ROE) | 9.6366% | 2,109 |
| Retained earnings to average equity (ytd only) | 7.0516% | 1,881 |
| Net charge-offs to loans | 0.0054% | 1,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 313.6552% | 306 |
| Efficiency ratio | 69.8569% | 2,254 |
| Assets per employee ($millions) | 5.7199% | 3,095 |
| Cash dividends to net income (ytd only)* | 26.8245% | 1,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2435% | 2,634 |
| Loan loss allowance to noncurrent loans | 179.6437% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 1,673 |
| Noncurrent loans to loans | 0.6922% | 1,370 |
| Net loans and leases to total assets | 50.6405% | 3,112 |
| Net loans and leases to deposits | 55.9500% | 3,270 |
| Net loans and leases to core deposits | 57.9974% | 3,301 |
| Total domestic deposits to total assets | 90.5103% | 1,293 |
| Equity capital to assets | 8.3622% | 3,275 |
| Core capital (leverage) ratio | 7.1726% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2047% | 2,525 |
| Memoranda: |
| Average total assets | $4,152,595,500 | 307 |
| Average earning assets | $3,885,411,000 | 302 |
| Average equity | $362,867,500 | 349 |
| Average total loans | $2,155,196,000 | 343 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9484% | 3,969 |
| Cost of funding earning assets | 0.2158% | 3,309 |
| Net interest margin | 2.7325% | 3,811 |
| Noninterest income to average assets | 0.7611% | 1,560 |
| Noninterest expense to average assets | 2.2723% | 2,874 |
| Loan and lease loss provision to assets | 0.0331% | 2,390 |
| Net operating income to assets | 0.9729% | 2,785 |
| Return on assets (ROA) | 1.0339% | 2,613 |
| Pretax return on assets | 1.0790% | 3,036 |
| Return on Equity (ROE) | 10.4386% | 2,375 |
| Retained earnings to average equity (ytd only) | -6.7146% | 4,731 |
| Net charge-offs to loans | 0.0094% | 2,223 |
| Credit loss provision to net charge-offs | 637.6884% | 697 |
| Earnings coverage of net charge-offs (x) | 201.9095% | 542 |
| Efficiency ratio | 66.9464% | 2,133 |
| Assets per employee ($millions) | 5.6109% | 3,153 |
| Cash dividends to net income (ytd only)* | 164.3248% | 61 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2287% | 2,737 |
| Loan loss allowance to noncurrent loans | 95.0978% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 881 |
| Noncurrent loans to loans | 1.2921% | 739 |
| Net loans and leases to total assets | 51.8833% | 3,082 |
| Net loans and leases to deposits | 57.8078% | 3,272 |
| Net loans and leases to core deposits | 60.0276% | 3,309 |
| Total domestic deposits to total assets | 89.7513% | 1,082 |
| Equity capital to assets | 9.1187% | 3,494 |
| Core capital (leverage) ratio | 7.1986% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1659% | 2,575 |
| Memoranda: |
| Average total assets | $3,831,521,400 | 312 |
| Average earning assets | $3,589,452,000 | 307 |
| Average equity | $379,485,200 | 334 |
| Average total loans | $2,117,902,400 | 348 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0394% | 3,932 |
| Cost of funding earning assets | 0.2329% | 3,290 |
| Net interest margin | 2.8065% | 3,766 |
| Noninterest income to average assets | 0.7252% | 1,751 |
| Noninterest expense to average assets | 2.2859% | 2,790 |
| Loan and lease loss provision to assets | 0.0385% | 2,220 |
| Net operating income to assets | 0.9948% | 2,933 |
| Return on assets (ROA) | 1.0747% | 2,698 |
| Pretax return on assets | 1.1124% | 3,171 |
| Return on Equity (ROE) | 10.6190% | 2,513 |
| Retained earnings to average equity (ytd only) | 3.2139% | 3,822 |
| Net charge-offs to loans | 0.0039% | 2,209 |
| Credit loss provision to net charge-offs | 1,778.6885% | 354 |
| Earnings coverage of net charge-offs (x) | 493.5738% | 303 |
| Efficiency ratio | 66.6892% | 2,009 |
| Assets per employee ($millions) | 5.4172% | 3,291 |
| Cash dividends to net income (ytd only)* | 69.7345% | 586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2935% | 2,522 |
| Loan loss allowance to noncurrent loans | 96.5808% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 978 |
| Noncurrent loans to loans | 1.3393% | 797 |
| Net loans and leases to total assets | 53.6202% | 3,015 |
| Net loans and leases to deposits | 60.5617% | 3,181 |
| Net loans and leases to core deposits | 62.9212% | 3,229 |
| Total domestic deposits to total assets | 88.5381% | 1,548 |
| Equity capital to assets | 10.0758% | 2,826 |
| Core capital (leverage) ratio | 7.9822% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3659% | 2,221 |
| Memoranda: |
| Average total assets | $3,756,990,750 | 316 |
| Average earning assets | $3,519,486,750 | 311 |
| Average equity | $380,214,250 | 333 |
| Average total loans | $2,105,065,750 | 352 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1872% | 3,697 |
| Cost of funding earning assets | 0.2532% | 3,254 |
| Net interest margin | 2.9340% | 3,493 |
| Noninterest income to average assets | 0.7273% | 1,727 |
| Noninterest expense to average assets | 2.2797% | 2,825 |
| Loan and lease loss provision to assets | 0.0480% | 2,066 |
| Net operating income to assets | 1.1128% | 2,495 |
| Return on assets (ROA) | 1.1385% | 2,468 |
| Pretax return on assets | 1.1723% | 2,987 |
| Return on Equity (ROE) | 11.2330% | 2,330 |
| Retained earnings to average equity (ytd only) | 3.3609% | 3,730 |
| Net charge-offs to loans | 0.0066% | 1,900 |
| Credit loss provision to net charge-offs | 1,285.7143% | 397 |
| Earnings coverage of net charge-offs (x) | 319.5286% | 359 |
| Efficiency ratio | 64.2199% | 2,401 |
| Assets per employee ($millions) | 5.5036% | 3,126 |
| Cash dividends to net income (ytd only)* | 70.0797% | 687 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2478% | 2,689 |
| Loan loss allowance to noncurrent loans | 92.7035% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 1,067 |
| Noncurrent loans to loans | 1.3460% | 868 |
| Net loans and leases to total assets | 55.0490% | 3,009 |
| Net loans and leases to deposits | 61.9491% | 3,209 |
| Net loans and leases to core deposits | 64.4113% | 3,254 |
| Total domestic deposits to total assets | 88.8617% | 1,348 |
| Equity capital to assets | 9.9319% | 2,909 |
| Core capital (leverage) ratio | 7.8844% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9621% | 2,380 |
| Memoranda: |
| Average total assets | $3,747,112,333 | 312 |
| Average earning assets | $3,507,244,333 | 310 |
| Average equity | $379,775,000 | 332 |
| Average total loans | $2,121,086,333 | 348 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4251% | 3,126 |
| Cost of funding earning assets | 0.2616% | 3,365 |
| Net interest margin | 3.1635% | 2,803 |
| Noninterest income to average assets | 0.7337% | 1,764 |
| Noninterest expense to average assets | 2.3097% | 2,757 |
| Loan and lease loss provision to assets | 0.0484% | 2,115 |
| Net operating income to assets | 1.3164% | 1,775 |
| Return on assets (ROA) | 1.3181% | 1,853 |
| Pretax return on assets | 1.3376% | 2,467 |
| Return on Equity (ROE) | 12.8740% | 1,709 |
| Retained earnings to average equity (ytd only) | 9.3440% | 1,847 |
| Net charge-offs to loans | 0.0106% | 1,549 |
| Credit loss provision to net charge-offs | 803.5714% | 472 |
| Earnings coverage of net charge-offs (x) | 230.0000% | 363 |
| Efficiency ratio | 61.1911% | 2,879 |
| Assets per employee ($millions) | 5.2616% | 3,372 |
| Cash dividends to net income (ytd only)* | 27.4195% | 1,785 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2255% | 2,791 |
| Loan loss allowance to noncurrent loans | 91.6270% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 1,186 |
| Noncurrent loans to loans | 1.3375% | 966 |
| Net loans and leases to total assets | 55.1946% | 3,129 |
| Net loans and leases to deposits | 62.2547% | 3,300 |
| Net loans and leases to core deposits | 65.0042% | 3,318 |
| Total domestic deposits to total assets | 88.6594% | 1,531 |
| Equity capital to assets | 10.1113% | 2,603 |
| Core capital (leverage) ratio | 8.2249% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3220% | 2,152 |
| Memoranda: |
| Average total assets | $3,721,917,000 | 315 |
| Average earning assets | $3,482,735,000 | 310 |
| Average equity | $381,079,500 | 326 |
| Average total loans | $2,123,179,000 | 351 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6391% | 3,721 |
| Cost of funding earning assets | 0.4058% | 3,543 |
| Net interest margin | 3.2334% | 3,265 |
| Noninterest income to average assets | 0.7799% | 1,591 |
| Noninterest expense to average assets | 2.5336% | 2,743 |
| Loan and lease loss provision to assets | 0.1435% | 2,563 |
| Net operating income to assets | 1.1055% | 1,906 |
| Return on assets (ROA) | 1.1282% | 1,931 |
| Pretax return on assets | 1.1282% | 2,595 |
| Return on Equity (ROE) | 10.4439% | 1,831 |
| Retained earnings to average equity (ytd only) | 2.7962% | 3,467 |
| Net charge-offs to loans | 0.0667% | 1,824 |
| Credit loss provision to net charge-offs | 351.0029% | 1,578 |
| Earnings coverage of net charge-offs (x) | 30.5523% | 1,594 |
| Efficiency ratio | 65.3702% | 2,624 |
| Assets per employee ($millions) | 4.9394% | 3,454 |
| Cash dividends to net income (ytd only)* | 73.2266% | 848 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2031% | 2,926 |
| Loan loss allowance to noncurrent loans | 136.9373% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 1,972 |
| Noncurrent loans to loans | 0.8786% | 1,611 |
| Net loans and leases to total assets | 57.5561% | 3,138 |
| Net loans and leases to deposits | 65.1067% | 3,348 |
| Net loans and leases to core deposits | 68.2027% | 3,403 |
| Total domestic deposits to total assets | 88.4027% | 1,273 |
| Equity capital to assets | 10.3713% | 2,783 |
| Core capital (leverage) ratio | 8.3021% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8343% | 2,306 |
| Memoranda: |
| Average total assets | $3,414,896,000 | 313 |
| Average earning assets | $3,171,295,000 | 310 |
| Average equity | $368,896,200 | 313 |
| Average total loans | $2,091,663,200 | 345 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7865% | 3,604 |
| Cost of funding earning assets | 0.4442% | 3,556 |
| Net interest margin | 3.3423% | 3,067 |
| Noninterest income to average assets | 0.7751% | 1,584 |
| Noninterest expense to average assets | 2.6158% | 2,491 |
| Loan and lease loss provision to assets | 0.1351% | 2,664 |
| Net operating income to assets | 1.1232% | 1,906 |
| Return on assets (ROA) | 1.1244% | 2,020 |
| Pretax return on assets | 1.1244% | 2,663 |
| Return on Equity (ROE) | 10.2971% | 1,909 |
| Retained earnings to average equity (ytd only) | 2.1087% | 3,893 |
| Net charge-offs to loans | 0.0763% | 1,549 |
| Credit loss provision to net charge-offs | 285.2349% | 1,809 |
| Earnings coverage of net charge-offs (x) | 26.5696% | 1,692 |
| Efficiency ratio | 65.8582% | 2,487 |
| Assets per employee ($millions) | 4.8017% | 3,485 |
| Cash dividends to net income (ytd only)* | 79.5216% | 597 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1015% | 3,205 |
| Loan loss allowance to noncurrent loans | 335.1918% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 3,314 |
| Noncurrent loans to loans | 0.3286% | 3,105 |
| Net loans and leases to total assets | 61.9584% | 3,017 |
| Net loans and leases to deposits | 70.5746% | 3,257 |
| Net loans and leases to core deposits | 74.1650% | 3,312 |
| Total domestic deposits to total assets | 87.7913% | 1,304 |
| Equity capital to assets | 10.6706% | 2,650 |
| Core capital (leverage) ratio | 8.2573% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5017% | 2,416 |
| Memoranda: |
| Average total assets | $3,356,062,000 | 313 |
| Average earning assets | $3,111,682,250 | 308 |
| Average equity | $366,476,250 | 309 |
| Average total loans | $2,082,950,500 | 338 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9931% | 3,341 |
| Cost of funding earning assets | 0.4939% | 3,575 |
| Net interest margin | 3.4992% | 2,788 |
| Noninterest income to average assets | 0.7492% | 1,581 |
| Noninterest expense to average assets | 2.6646% | 2,479 |
| Loan and lease loss provision to assets | 0.1151% | 2,868 |
| Net operating income to assets | 1.2074% | 1,619 |
| Return on assets (ROA) | 1.2094% | 1,740 |
| Pretax return on assets | 1.2094% | 2,332 |
| Return on Equity (ROE) | 10.9865% | 1,636 |
| Retained earnings to average equity (ytd only) | 1.5694% | 3,914 |
| Net charge-offs to loans | 0.1091% | 1,199 |
| Credit loss provision to net charge-offs | 170.5566% | 2,037 |
| Earnings coverage of net charge-offs (x) | 19.5978% | 1,713 |
| Efficiency ratio | 65.0633% | 2,651 |
| Assets per employee ($millions) | 4.7469% | 3,477 |
| Cash dividends to net income (ytd only)* | 85.7150% | 662 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0427% | 3,353 |
| Loan loss allowance to noncurrent loans | 300.4336% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 3,365 |
| Noncurrent loans to loans | 0.3470% | 3,157 |
| Net loans and leases to total assets | 61.4494% | 3,171 |
| Net loans and leases to deposits | 69.7408% | 3,437 |
| Net loans and leases to core deposits | 73.2877% | 3,500 |
| Total domestic deposits to total assets | 88.1112% | 1,120 |
| Equity capital to assets | 10.4542% | 2,784 |
| Core capital (leverage) ratio | 8.3208% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3562% | 2,458 |
| Memoranda: |
| Average total assets | $3,301,533,333 | 313 |
| Average earning assets | $3,055,032,667 | 310 |
| Average equity | $363,445,667 | 310 |
| Average total loans | $2,042,266,000 | 339 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9642% | 3,889 |
| Cost of funding earning assets | 0.5897% | 3,486 |
| Net interest margin | 3.3745% | 3,383 |
| Noninterest income to average assets | 0.7807% | 1,365 |
| Noninterest expense to average assets | 2.7655% | 2,529 |
| Loan and lease loss provision to assets | 0.0502% | 3,149 |
| Net operating income to assets | 1.0797% | 1,905 |
| Return on assets (ROA) | 1.0815% | 2,005 |
| Pretax return on assets | 1.0815% | 2,587 |
| Return on Equity (ROE) | 9.5573% | 1,888 |
| Retained earnings to average equity (ytd only) | 4.8480% | 2,343 |
| Net charge-offs to loans | 0.0226% | 1,912 |
| Credit loss provision to net charge-offs | 360.3604% | 1,067 |
| Earnings coverage of net charge-offs (x) | 81.0901% | 664 |
| Efficiency ratio | 69.1180% | 2,496 |
| Assets per employee ($millions) | 4.1139% | 3,767 |
| Cash dividends to net income (ytd only)* | 49.2745% | 1,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1312% | 3,040 |
| Loan loss allowance to noncurrent loans | 322.5058% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 3,452 |
| Noncurrent loans to loans | 0.3507% | 3,229 |
| Net loans and leases to total assets | 61.1640% | 3,382 |
| Net loans and leases to deposits | 70.1535% | 3,579 |
| Net loans and leases to core deposits | 74.6303% | 3,598 |
| Total domestic deposits to total assets | 87.1860% | 1,475 |
| Equity capital to assets | 11.5587% | 2,386 |
| Core capital (leverage) ratio | 9.1130% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5946% | 2,442 |
| Memoranda: |
| Average total assets | $3,186,458,000 | 314 |
| Average earning assets | $2,941,104,500 | 309 |
| Average equity | $360,563,500 | 312 |
| Average total loans | $1,966,866,500 | 340 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1882% | 3,836 |
| Cost of funding earning assets | 0.7231% | 3,050 |
| Net interest margin | 3.4652% | 3,550 |
| Noninterest income to average assets | 0.8334% | 1,349 |
| Noninterest expense to average assets | 2.6984% | 2,890 |
| Loan and lease loss provision to assets | 0.0571% | 2,892 |
| Net operating income to assets | 1.2689% | 1,806 |
| Return on assets (ROA) | 1.2728% | 1,873 |
| Pretax return on assets | 1.2735% | 2,600 |
| Return on Equity (ROE) | 12.1393% | 1,458 |
| Retained earnings to average equity (ytd only) | 6.8311% | 1,464 |
| Net charge-offs to loans | 0.0650% | 2,166 |
| Credit loss provision to net charge-offs | 141.6208% | 1,825 |
| Earnings coverage of net charge-offs (x) | 32.8851% | 1,488 |
| Efficiency ratio | 65.2024% | 2,894 |
| Assets per employee ($millions) | 4.1092% | 3,762 |
| Cash dividends to net income (ytd only)* | 43.7272% | 2,410 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1287% | 2,794 |
| Loan loss allowance to noncurrent loans | 358.8493% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 3,556 |
| Noncurrent loans to loans | 0.3145% | 3,312 |
| Net loans and leases to total assets | 60.8918% | 3,513 |
| Net loans and leases to deposits | 69.4948% | 3,711 |
| Net loans and leases to core deposits | 74.0303% | 3,719 |
| Total domestic deposits to total assets | 87.6205% | 1,305 |
| Equity capital to assets | 11.0707% | 2,930 |
| Core capital (leverage) ratio | 9.0519% | 4,486 |
| Tier 1 risk-based capital ratio | 12.3458% | 4,165 |
| Total risk-based capital ratio | 13.3301% | 4,198 |
| Memoranda: |
| Average total assets | $3,150,178,200 | 308 |
| Average earning assets | $2,901,688,600 | 302 |
| Average equity | $330,283,000 | 321 |
| Average total loans | $1,953,959,800 | 330 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2419% | 3,825 |
| Cost of funding earning assets | 0.7478% | 2,978 |
| Net interest margin | 3.4941% | 3,578 |
| Noninterest income to average assets | 0.8021% | 1,418 |
| Noninterest expense to average assets | 2.7553% | 2,700 |
| Loan and lease loss provision to assets | 0.0636% | 2,618 |
| Net operating income to assets | 1.2010% | 2,189 |
| Return on assets (ROA) | 1.2062% | 2,256 |
| Pretax return on assets | 1.2072% | 2,959 |
| Return on Equity (ROE) | 11.6691% | 1,729 |
| Retained earnings to average equity (ytd only) | 6.2102% | 2,280 |
| Net charge-offs to loans | 0.0704% | 1,821 |
| Credit loss provision to net charge-offs | 145.4898% | 1,671 |
| Earnings coverage of net charge-offs (x) | 28.9448% | 1,666 |
| Efficiency ratio | 66.6821% | 2,638 |
| Assets per employee ($millions) | 4.0672% | 3,806 |
| Cash dividends to net income (ytd only)* | 46.7808% | 1,839 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1596% | 2,722 |
| Loan loss allowance to noncurrent loans | 273.1671% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 3,400 |
| Noncurrent loans to loans | 0.4245% | 3,033 |
| Net loans and leases to total assets | 60.1686% | 3,661 |
| Net loans and leases to deposits | 68.7971% | 3,857 |
| Net loans and leases to core deposits | 73.7917% | 3,843 |
| Total domestic deposits to total assets | 87.4581% | 1,281 |
| Equity capital to assets | 10.9831% | 3,106 |
| Core capital (leverage) ratio | 8.7258% | 4,814 |
| Tier 1 risk-based capital ratio | 12.3754% | 4,206 |
| Total risk-based capital ratio | 13.3887% | 4,238 |
| Memoranda: |
| Average total assets | $3,143,619,000 | 310 |
| Average earning assets | $2,895,966,500 | 306 |
| Average equity | $324,940,750 | 329 |
| Average total loans | $1,953,386,000 | 333 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2429% | 3,812 |
| Cost of funding earning assets | 0.7491% | 2,898 |
| Net interest margin | 3.4938% | 3,616 |
| Noninterest income to average assets | 0.7783% | 1,414 |
| Noninterest expense to average assets | 2.7532% | 2,745 |
| Loan and lease loss provision to assets | 0.0666% | 2,480 |
| Net operating income to assets | 1.1789% | 2,226 |
| Return on assets (ROA) | 1.1800% | 2,296 |
| Pretax return on assets | 1.1815% | 2,966 |
| Return on Equity (ROE) | 11.6560% | 1,712 |
| Retained earnings to average equity (ytd only) | 5.9345% | 2,311 |
| Net charge-offs to loans | 0.0881% | 1,482 |
| Credit loss provision to net charge-offs | 120.9677% | 1,730 |
| Earnings coverage of net charge-offs (x) | 22.6394% | 1,681 |
| Efficiency ratio | 66.9808% | 2,686 |
| Assets per employee ($millions) | 4.0824% | 3,763 |
| Cash dividends to net income (ytd only)* | 49.0857% | 1,850 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1150% | 2,994 |
| Loan loss allowance to noncurrent loans | 277.9156% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 3,373 |
| Noncurrent loans to loans | 0.4012% | 3,093 |
| Net loans and leases to total assets | 61.0787% | 3,640 |
| Net loans and leases to deposits | 69.2624% | 3,900 |
| Net loans and leases to core deposits | 74.2631% | 3,876 |
| Total domestic deposits to total assets | 88.1845% | 1,013 |
| Equity capital to assets | 10.5530% | 3,472 |
| Core capital (leverage) ratio | 8.5283% | 4,955 |
| Tier 1 risk-based capital ratio | 11.9056% | 4,473 |
| Total risk-based capital ratio | 12.8906% | 4,509 |
| Memoranda: |
| Average total assets | $3,151,650,670 | 311 |
| Average earning assets | $2,906,400,000 | 306 |
| Average equity | $319,047,330 | 333 |
| Average total loans | $1,971,516,670 | 333 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0545% | 4,253 |
| Cost of funding earning assets | 0.7143% | 2,979 |
| Net interest margin | 3.3402% | 4,061 |
| Noninterest income to average assets | 0.7614% | 1,391 |
| Noninterest expense to average assets | 2.7664% | 2,689 |
| Loan and lease loss provision to assets | 0.0634% | 2,395 |
| Net operating income to assets | 1.0306% | 2,742 |
| Return on assets (ROA) | 1.0306% | 2,781 |
| Pretax return on assets | 1.0306% | 3,344 |
| Return on Equity (ROE) | 11.4019% | 1,781 |
| Retained earnings to average equity (ytd only) | 6.6433% | 2,182 |
| Net charge-offs to loans | 0.0387% | 1,723 |
| Credit loss provision to net charge-offs | 261.6279% | 902 |
| Earnings coverage of net charge-offs (x) | 45.1744% | 1,081 |
| Efficiency ratio | 70.0062% | 2,338 |
| Assets per employee ($millions) | 4.0287% | 3,877 |
| Cash dividends to net income (ytd only)* | 41.7350% | 1,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2291% | 2,431 |
| Loan loss allowance to noncurrent loans | 120.2333% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 2,075 |
| Noncurrent loans to loans | 1.0223% | 1,632 |
| Net loans and leases to total assets | 61.1878% | 3,581 |
| Net loans and leases to deposits | 68.4154% | 3,892 |
| Net loans and leases to core deposits | 73.5141% | 3,825 |
| Total domestic deposits to total assets | 89.4356% | 672 |
| Equity capital to assets | 9.1720% | 4,558 |
| Core capital (leverage) ratio | 8.2541% | 5,120 |
| Tier 1 risk-based capital ratio | 11.4785% | 4,757 |
| Total risk-based capital ratio | 12.5714% | 4,738 |
| Memoranda: |
| Average total assets | $2,841,125,500 | 336 |
| Average earning assets | $2,635,885,500 | 330 |
| Average equity | $256,799,500 | 389 |
| Average total loans | $1,779,056,500 | 362 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9849% | 4,070 |
| Cost of funding earning assets | 0.5462% | 3,075 |
| Net interest margin | 3.4387% | 3,884 |
| Noninterest income to average assets | 0.8452% | 1,322 |
| Noninterest expense to average assets | 2.7486% | 2,860 |
| Loan and lease loss provision to assets | 0.0924% | 2,306 |
| Net operating income to assets | 1.1968% | 2,185 |
| Return on assets (ROA) | 1.2016% | 2,158 |
| Pretax return on assets | 1.2016% | 2,874 |
| Return on Equity (ROE) | 13.3410% | 1,220 |
| Retained earnings to average equity (ytd only) | -4.1932% | 5,223 |
| Net charge-offs to loans | 0.0545% | 2,369 |
| Credit loss provision to net charge-offs | 266.2539% | 1,125 |
| Earnings coverage of net charge-offs (x) | 37.1662% | 1,392 |
| Efficiency ratio | 66.4628% | 2,791 |
| Assets per employee ($millions) | 4.0083% | 3,885 |
| Cash dividends to net income (ytd only)* | 131.4306% | 121 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2004% | 2,567 |
| Loan loss allowance to noncurrent loans | 126.5979% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6449% | 2,109 |
| Noncurrent loans to loans | 0.9482% | 1,701 |
| Net loans and leases to total assets | 62.5343% | 3,512 |
| Net loans and leases to deposits | 70.1299% | 3,817 |
| Net loans and leases to core deposits | 75.3975% | 3,761 |
| Total domestic deposits to total assets | 89.1692% | 794 |
| Equity capital to assets | 8.9038% | 4,650 |
| Core capital (leverage) ratio | 8.2702% | 5,140 |
| Tier 1 risk-based capital ratio | 11.1512% | 4,891 |
| Total risk-based capital ratio | 12.2214% | 4,882 |
| Memoranda: |
| Average total assets | $2,793,501,800 | 335 |
| Average earning assets | $2,593,568,800 | 328 |
| Average equity | $251,600,200 | 385 |
| Average total loans | $1,778,377,200 | 357 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9643% | 4,038 |
| Cost of funding earning assets | 0.5089% | 3,136 |
| Net interest margin | 3.4554% | 3,849 |
| Noninterest income to average assets | 0.8128% | 1,428 |
| Noninterest expense to average assets | 2.7616% | 2,769 |
| Loan and lease loss provision to assets | 0.0919% | 2,141 |
| Net operating income to assets | 1.1694% | 2,367 |
| Return on assets (ROA) | 1.1716% | 2,367 |
| Pretax return on assets | 1.1716% | 3,116 |
| Return on Equity (ROE) | 12.9701% | 1,443 |
| Retained earnings to average equity (ytd only) | -9.9315% | 5,390 |
| Net charge-offs to loans | 0.0304% | 2,486 |
| Credit loss provision to net charge-offs | 474.0741% | 732 |
| Earnings coverage of net charge-offs (x) | 65.0588% | 1,003 |
| Efficiency ratio | 67.0280% | 2,708 |
| Assets per employee ($millions) | 3.8815% | 4,066 |
| Cash dividends to net income (ytd only)* | 176.5720% | 55 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1885% | 2,687 |
| Loan loss allowance to noncurrent loans | 329.6068% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 3,446 |
| Noncurrent loans to loans | 0.3606% | 3,356 |
| Net loans and leases to total assets | 64.9419% | 3,309 |
| Net loans and leases to deposits | 72.5752% | 3,722 |
| Net loans and leases to core deposits | 77.7279% | 3,681 |
| Total domestic deposits to total assets | 89.4822% | 681 |
| Equity capital to assets | 8.5774% | 4,878 |
| Core capital (leverage) ratio | 7.8765% | 5,343 |
| Tier 1 risk-based capital ratio | 10.7852% | 5,138 |
| Total risk-based capital ratio | 11.8571% | 5,121 |
| Memoranda: |
| Average total assets | $2,785,406,500 | 337 |
| Average earning assets | $2,587,571,750 | 329 |
| Average equity | $251,597,250 | 382 |
| Average total loans | $1,775,817,500 | 355 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8701% | 4,157 |
| Cost of funding earning assets | 0.4615% | 3,276 |
| Net interest margin | 3.4087% | 3,927 |
| Noninterest income to average assets | 0.8115% | 1,439 |
| Noninterest expense to average assets | 2.7387% | 2,883 |
| Loan and lease loss provision to assets | 0.0899% | 2,124 |
| Net operating income to assets | 1.1519% | 2,389 |
| Return on assets (ROA) | 1.1551% | 2,371 |
| Pretax return on assets | 1.1551% | 3,110 |
| Return on Equity (ROE) | 12.5820% | 1,509 |
| Retained earnings to average equity (ytd only) | -19.2541% | 5,491 |
| Net charge-offs to loans | 0.0420% | 2,023 |
| Credit loss provision to net charge-offs | 339.6226% | 922 |
| Earnings coverage of net charge-offs (x) | 46.8895% | 1,173 |
| Efficiency ratio | 67.1742% | 2,785 |
| Assets per employee ($millions) | 4.0092% | 3,879 |
| Cash dividends to net income (ytd only)* | 253.0281% | 35 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1553% | 2,954 |
| Loan loss allowance to noncurrent loans | 209.5012% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 3,086 |
| Noncurrent loans to loans | 0.5514% | 2,759 |
| Net loans and leases to total assets | 63.4398% | 3,459 |
| Net loans and leases to deposits | 70.4784% | 3,818 |
| Net loans and leases to core deposits | 75.2666% | 3,795 |
| Total domestic deposits to total assets | 90.0130% | 569 |
| Equity capital to assets | 8.3292% | 5,063 |
| Core capital (leverage) ratio | 7.6503% | 5,421 |
| Tier 1 risk-based capital ratio | 10.4056% | 5,310 |
| Total risk-based capital ratio | 11.4406% | 5,306 |
| Memoranda: |
| Average total assets | $2,801,723,330 | 335 |
| Average earning assets | $2,604,724,330 | 329 |
| Average equity | $257,223,670 | 375 |
| Average total loans | $1,768,263,000 | 359 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8058% | 4,201 |
| Cost of funding earning assets | 0.4251% | 3,401 |
| Net interest margin | 3.3807% | 3,948 |
| Noninterest income to average assets | 0.8100% | 1,420 |
| Noninterest expense to average assets | 2.7391% | 2,911 |
| Loan and lease loss provision to assets | 0.0856% | 2,089 |
| Net operating income to assets | 1.1288% | 2,288 |
| Return on assets (ROA) | 1.1353% | 2,281 |
| Pretax return on assets | 1.1353% | 3,026 |
| Return on Equity (ROE) | 11.8191% | 1,644 |
| Retained earnings to average equity (ytd only) | 7.5561% | 2,014 |
| Net charge-offs to loans | 0.0486% | 1,620 |
| Credit loss provision to net charge-offs | 281.6901% | 854 |
| Earnings coverage of net charge-offs (x) | 39.9577% | 1,068 |
| Efficiency ratio | 67.6447% | 2,889 |
| Assets per employee ($millions) | 3.9886% | 4,000 |
| Cash dividends to net income (ytd only)* | 36.0689% | 1,971 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1479% | 3,103 |
| Loan loss allowance to noncurrent loans | 236.0891% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,321 |
| Noncurrent loans to loans | 0.4862% | 3,062 |
| Net loans and leases to total assets | 62.0084% | 3,545 |
| Net loans and leases to deposits | 69.7168% | 3,812 |
| Net loans and leases to core deposits | 73.8148% | 3,834 |
| Total domestic deposits to total assets | 88.9433% | 1,121 |
| Equity capital to assets | 9.4236% | 4,157 |
| Core capital (leverage) ratio | 8.6831% | 5,002 |
| Tier 1 risk-based capital ratio | 12.0166% | 4,535 |
| Total risk-based capital ratio | 13.0389% | 4,571 |
| Memoranda: |
| Average total assets | $2,803,374,000 | 339 |
| Average earning assets | $2,606,685,500 | 328 |
| Average equity | $269,293,000 | 359 |
| Average total loans | $1,754,364,000 | 361 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7125% | 4,306 |
| Cost of funding earning assets | 0.3418% | 3,783 |
| Net interest margin | 3.3708% | 3,932 |
| Noninterest income to average assets | 0.8784% | 1,333 |
| Noninterest expense to average assets | 2.7208% | 3,060 |
| Loan and lease loss provision to assets | 0.0865% | 2,460 |
| Net operating income to assets | 1.2007% | 1,521 |
| Return on assets (ROA) | 1.2321% | 1,435 |
| Pretax return on assets | 1.2321% | 2,627 |
| Return on Equity (ROE) | 12.9418% | 965 |
| Retained earnings to average equity (ytd only) | 7.3233% | 975 |
| Net charge-offs to loans | 0.0473% | 2,836 |
| Credit loss provision to net charge-offs | 303.1368% | 931 |
| Earnings coverage of net charge-offs (x) | 45.1205% | 1,174 |
| Efficiency ratio | 66.2630% | 3,214 |
| Assets per employee ($millions) | 3.9197% | 4,089 |
| Cash dividends to net income (ytd only)* | 43.4141% | 2,685 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1382% | 3,127 |
| Loan loss allowance to noncurrent loans | 194.0682% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 3,035 |
| Noncurrent loans to loans | 0.5865% | 2,753 |
| Net loans and leases to total assets | 61.7210% | 3,655 |
| Net loans and leases to deposits | 69.8245% | 3,893 |
| Net loans and leases to core deposits | 74.0846% | 3,873 |
| Total domestic deposits to total assets | 88.3945% | 1,299 |
| Equity capital to assets | 9.7895% | 3,934 |
| Core capital (leverage) ratio | 8.6467% | 4,995 |
| Tier 1 risk-based capital ratio | 11.9515% | 4,564 |
| Total risk-based capital ratio | 12.9629% | 4,594 |
| Memoranda: |
| Average total assets | $2,793,687,200 | 321 |
| Average earning assets | $2,593,834,800 | 313 |
| Average equity | $265,974,800 | 351 |
| Average total loans | $1,683,814,000 | 356 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7050% | 4,311 |
| Cost of funding earning assets | 0.3284% | 3,858 |
| Net interest margin | 3.3766% | 3,929 |
| Noninterest income to average assets | 0.9111% | 1,237 |
| Noninterest expense to average assets | 2.7271% | 2,975 |
| Loan and lease loss provision to assets | 0.0903% | 2,267 |
| Net operating income to assets | 1.2280% | 1,584 |
| Return on assets (ROA) | 1.2657% | 1,479 |
| Pretax return on assets | 1.2657% | 2,645 |
| Return on Equity (ROE) | 13.3891% | 961 |
| Retained earnings to average equity (ytd only) | 7.5832% | 1,398 |
| Net charge-offs to loans | 0.0505% | 2,419 |
| Credit loss provision to net charge-offs | 299.2089% | 991 |
| Earnings coverage of net charge-offs (x) | 43.7007% | 1,220 |
| Efficiency ratio | 65.8069% | 3,244 |
| Assets per employee ($millions) | 3.8895% | 4,177 |
| Cash dividends to net income (ytd only)* | 43.3630% | 2,108 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1282% | 3,323 |
| Loan loss allowance to noncurrent loans | 188.3876% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 3,198 |
| Noncurrent loans to loans | 0.5989% | 2,914 |
| Net loans and leases to total assets | 62.1464% | 3,636 |
| Net loans and leases to deposits | 71.2630% | 3,849 |
| Net loans and leases to core deposits | 75.1412% | 3,875 |
| Total domestic deposits to total assets | 87.2071% | 1,770 |
| Equity capital to assets | 9.9848% | 3,925 |
| Core capital (leverage) ratio | 8.3996% | 5,318 |
| Tier 1 risk-based capital ratio | 11.7910% | 4,777 |
| Total risk-based capital ratio | 12.7914% | 4,822 |
| Memoranda: |
| Average total assets | $2,793,414,250 | 323 |
| Average earning assets | $2,592,909,500 | 315 |
| Average equity | $264,069,500 | 355 |
| Average total loans | $1,668,561,500 | 358 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6619% | 4,339 |
| Cost of funding earning assets | 0.3082% | 4,003 |
| Net interest margin | 3.3537% | 3,938 |
| Noninterest income to average assets | 0.8836% | 1,320 |
| Noninterest expense to average assets | 2.6851% | 3,143 |
| Loan and lease loss provision to assets | 0.0831% | 2,326 |
| Net operating income to assets | 1.2263% | 1,511 |
| Return on assets (ROA) | 1.2483% | 1,470 |
| Pretax return on assets | 1.2483% | 2,590 |
| Return on Equity (ROE) | 13.4513% | 937 |
| Retained earnings to average equity (ytd only) | 7.9119% | 1,201 |
| Net charge-offs to loans | 0.0337% | 2,513 |
| Credit loss provision to net charge-offs | 419.4245% | 757 |
| Earnings coverage of net charge-offs (x) | 66.1259% | 876 |
| Efficiency ratio | 65.6015% | 3,413 |
| Assets per employee ($millions) | 3.9918% | 3,967 |
| Cash dividends to net income (ytd only)* | 41.1812% | 2,274 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1313% | 3,415 |
| Loan loss allowance to noncurrent loans | 244.4288% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 3,743 |
| Noncurrent loans to loans | 0.4629% | 3,354 |
| Net loans and leases to total assets | 59.5705% | 3,879 |
| Net loans and leases to deposits | 67.6881% | 4,097 |
| Net loans and leases to core deposits | 71.1730% | 4,144 |
| Total domestic deposits to total assets | 88.0074% | 1,456 |
| Equity capital to assets | 9.6969% | 4,228 |
| Core capital (leverage) ratio | 8.1527% | 5,458 |
| Tier 1 risk-based capital ratio | 11.6309% | 4,876 |
| Total risk-based capital ratio | 12.6207% | 4,932 |
| Memoranda: |
| Average total assets | $2,807,925,000 | 328 |
| Average earning assets | $2,604,676,670 | 322 |
| Average equity | $260,569,670 | 361 |
| Average total loans | $1,648,597,670 | 363 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6215% | 4,361 |
| Cost of funding earning assets | 0.2980% | 4,065 |
| Net interest margin | 3.3236% | 3,935 |
| Noninterest income to average assets | 0.8603% | 1,363 |
| Noninterest expense to average assets | 2.6486% | 3,309 |
| Loan and lease loss provision to assets | 0.0823% | 2,173 |
| Net operating income to assets | 1.2112% | 1,483 |
| Return on assets (ROA) | 1.2112% | 1,519 |
| Pretax return on assets | 1.2112% | 2,550 |
| Return on Equity (ROE) | 13.3519% | 933 |
| Retained earnings to average equity (ytd only) | 7.0629% | 1,825 |
| Net charge-offs to loans | 0.0393% | 2,026 |
| Credit loss provision to net charge-offs | 361.2500% | 700 |
| Earnings coverage of net charge-offs (x) | 56.7688% | 838 |
| Efficiency ratio | 65.5468% | 3,568 |
| Assets per employee ($millions) | 4.0172% | 3,981 |
| Cash dividends to net income (ytd only)* | 47.1017% | 1,777 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1364% | 3,483 |
| Loan loss allowance to noncurrent loans | 177.7725% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 3,439 |
| Noncurrent loans to loans | 0.6392% | 2,908 |
| Net loans and leases to total assets | 57.3991% | 4,024 |
| Net loans and leases to deposits | 65.1483% | 4,241 |
| Net loans and leases to core deposits | 68.1623% | 4,284 |
| Total domestic deposits to total assets | 88.1053% | 1,653 |
| Equity capital to assets | 9.1464% | 4,663 |
| Core capital (leverage) ratio | 7.9727% | 5,568 |
| Tier 1 risk-based capital ratio | 11.3730% | 5,105 |
| Total risk-based capital ratio | 12.3438% | 5,159 |
| Memoranda: |
| Average total assets | $2,808,766,500 | 329 |
| Average earning assets | $2,604,443,000 | 323 |
| Average equity | $254,795,500 | 366 |
| Average total loans | $1,627,485,500 | 369 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4989% | 4,786 |
| Cost of funding earning assets | 0.3038% | 4,027 |
| Net interest margin | 3.1951% | 4,467 |
| Noninterest income to average assets | 0.8214% | 1,675 |
| Noninterest expense to average assets | 2.6032% | 3,667 |
| Loan and lease loss provision to assets | 0.0638% | 3,100 |
| Net operating income to assets | 1.1188% | 1,825 |
| Return on assets (ROA) | 1.1448% | 1,808 |
| Pretax return on assets | 1.1448% | 2,918 |
| Return on Equity (ROE) | 11.6753% | 1,348 |
| Retained earnings to average equity (ytd only) | -4.6050% | 5,662 |
| Net charge-offs to loans | 0.0394% | 3,237 |
| Credit loss provision to net charge-offs | 289.3654% | 1,011 |
| Earnings coverage of net charge-offs (x) | 53.6535% | 968 |
| Efficiency ratio | 67.2289% | 3,396 |
| Assets per employee ($millions) | 3.9398% | 4,075 |
| Cash dividends to net income (ytd only)* | 139.4419% | 178 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1309% | 3,543 |
| Loan loss allowance to noncurrent loans | 170.2221% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4690% | 3,381 |
| Noncurrent loans to loans | 0.6644% | 2,867 |
| Net loans and leases to total assets | 57.1717% | 4,149 |
| Net loans and leases to deposits | 64.5592% | 4,360 |
| Net loans and leases to core deposits | 67.5302% | 4,430 |
| Total domestic deposits to total assets | 88.5569% | 1,350 |
| Equity capital to assets | 8.9955% | 4,826 |
| Core capital (leverage) ratio | 7.9665% | 5,632 |
| Tier 1 risk-based capital ratio | 11.4511% | 5,083 |
| Total risk-based capital ratio | 12.4167% | 5,134 |
| Memoranda: |
| Average total assets | $2,644,981,000 | 329 |
| Average earning assets | $2,453,991,400 | 325 |
| Average equity | $259,351,200 | 350 |
| Average total loans | $1,480,790,000 | 376 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4829% | 4,856 |
| Cost of funding earning assets | 0.3033% | 4,061 |
| Net interest margin | 3.1796% | 4,544 |
| Noninterest income to average assets | 0.8024% | 1,755 |
| Noninterest expense to average assets | 2.5819% | 3,727 |
| Loan and lease loss provision to assets | 0.0639% | 2,957 |
| Net operating income to assets | 1.1101% | 1,953 |
| Return on assets (ROA) | 1.1443% | 1,935 |
| Pretax return on assets | 1.1443% | 3,068 |
| Return on Equity (ROE) | 11.4177% | 1,518 |
| Retained earnings to average equity (ytd only) | -8.6778% | 5,832 |
| Net charge-offs to loans | 0.0360% | 2,908 |
| Credit loss provision to net charge-offs | 319.6931% | 986 |
| Earnings coverage of net charge-offs (x) | 58.7520% | 976 |
| Efficiency ratio | 67.2717% | 3,367 |
| Assets per employee ($millions) | 4.1744% | 3,647 |
| Cash dividends to net income (ytd only)* | 176.0027% | 112 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1438% | 3,581 |
| Loan loss allowance to noncurrent loans | 169.8792% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 3,493 |
| Noncurrent loans to loans | 0.6733% | 3,009 |
| Net loans and leases to total assets | 54.3953% | 4,462 |
| Net loans and leases to deposits | 61.9851% | 4,629 |
| Net loans and leases to core deposits | 64.8506% | 4,682 |
| Total domestic deposits to total assets | 87.7554% | 1,526 |
| Equity capital to assets | 9.4939% | 4,666 |
| Core capital (leverage) ratio | 7.6892% | 5,791 |
| Tier 1 risk-based capital ratio | 11.2730% | 5,217 |
| Total risk-based capital ratio | 12.2347% | 5,292 |
| Memoranda: |
| Average total assets | $2,608,875,750 | 332 |
| Average earning assets | $2,423,400,500 | 327 |
| Average equity | $261,459,000 | 347 |
| Average total loans | $1,447,740,250 | 387 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5212% | 4,809 |
| Cost of funding earning assets | 0.3104% | 4,015 |
| Net interest margin | 3.2108% | 4,507 |
| Noninterest income to average assets | 0.7852% | 1,785 |
| Noninterest expense to average assets | 2.5597% | 3,861 |
| Loan and lease loss provision to assets | 0.0752% | 2,634 |
| Net operating income to assets | 1.1302% | 1,854 |
| Return on assets (ROA) | 1.1838% | 1,756 |
| Pretax return on assets | 1.1838% | 2,847 |
| Return on Equity (ROE) | 11.5814% | 1,453 |
| Retained earnings to average equity (ytd only) | 7.1672% | 1,524 |
| Net charge-offs to loans | 0.0287% | 2,907 |
| Credit loss provision to net charge-offs | 470.2970% | 689 |
| Earnings coverage of net charge-offs (x) | 75.3515% | 732 |
| Efficiency ratio | 66.5580% | 3,594 |
| Assets per employee ($millions) | 4.1615% | 3,632 |
| Cash dividends to net income (ytd only)* | 38.1147% | 2,509 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2445% | 3,106 |
| Loan loss allowance to noncurrent loans | 254.7721% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 3,962 |
| Noncurrent loans to loans | 0.4885% | 3,621 |
| Net loans and leases to total assets | 55.9063% | 4,324 |
| Net loans and leases to deposits | 64.5235% | 4,454 |
| Net loans and leases to core deposits | 67.3835% | 4,521 |
| Total domestic deposits to total assets | 86.6450% | 2,088 |
| Equity capital to assets | 10.5098% | 3,623 |
| Core capital (leverage) ratio | 8.3918% | 5,455 |
| Tier 1 risk-based capital ratio | 12.5001% | 4,524 |
| Total risk-based capital ratio | 13.5590% | 4,563 |
| Memoranda: |
| Average total assets | $2,525,345,670 | 339 |
| Average earning assets | $2,343,837,670 | 333 |
| Average equity | $258,120,000 | 350 |
| Average total loans | $1,405,850,000 | 394 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5433% | 4,775 |
| Cost of funding earning assets | 0.3133% | 4,026 |
| Net interest margin | 3.2300% | 4,472 |
| Noninterest income to average assets | 0.7558% | 1,800 |
| Noninterest expense to average assets | 2.5430% | 3,933 |
| Loan and lease loss provision to assets | 0.0794% | 2,371 |
| Net operating income to assets | 1.1299% | 1,792 |
| Return on assets (ROA) | 1.1306% | 1,897 |
| Pretax return on assets | 1.1306% | 2,971 |
| Return on Equity (ROE) | 11.2206% | 1,525 |
| Retained earnings to average equity (ytd only) | 6.7648% | 1,999 |
| Net charge-offs to loans | 0.0270% | 2,398 |
| Credit loss provision to net charge-offs | 531.9149% | 580 |
| Earnings coverage of net charge-offs (x) | 81.0106% | 631 |
| Efficiency ratio | 66.2180% | 3,762 |
| Assets per employee ($millions) | 3.9855% | 3,968 |
| Cash dividends to net income (ytd only)* | 39.7106% | 2,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2559% | 3,144 |
| Loan loss allowance to noncurrent loans | 216.1000% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 3,949 |
| Noncurrent loans to loans | 0.5812% | 3,446 |
| Net loans and leases to total assets | 54.2438% | 4,431 |
| Net loans and leases to deposits | 62.5925% | 4,537 |
| Net loans and leases to core deposits | 65.3459% | 4,590 |
| Total domestic deposits to total assets | 86.6618% | 2,376 |
| Equity capital to assets | 10.1607% | 3,888 |
| Core capital (leverage) ratio | 8.3544% | 5,512 |
| Tier 1 risk-based capital ratio | 12.3241% | 4,711 |
| Total risk-based capital ratio | 13.3736% | 4,737 |
| Memoranda: |
| Average total assets | $2,518,749,500 | 337 |
| Average earning assets | $2,336,690,000 | 332 |
| Average equity | $253,783,000 | 353 |
| Average total loans | $1,390,231,000 | 394 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5867% | 4,708 |
| Cost of funding earning assets | 0.3594% | 3,592 |
| Net interest margin | 3.2272% | 4,538 |
| Noninterest income to average assets | 0.8576% | 1,581 |
| Noninterest expense to average assets | 2.5936% | 3,947 |
| Loan and lease loss provision to assets | 0.0574% | 3,165 |
| Net operating income to assets | 1.1998% | 1,549 |
| Return on assets (ROA) | 1.2289% | 1,518 |
| Pretax return on assets | 1.2289% | 2,551 |
| Return on Equity (ROE) | 12.6213% | 1,149 |
| Retained earnings to average equity (ytd only) | 7.6641% | 1,033 |
| Net charge-offs to loans | 0.0551% | 3,107 |
| Credit loss provision to net charge-offs | 192.0485% | 1,442 |
| Earnings coverage of net charge-offs (x) | 42.0404% | 1,132 |
| Efficiency ratio | 65.8154% | 3,934 |
| Assets per employee ($millions) | 3.9789% | 3,976 |
| Cash dividends to net income (ytd only)* | 39.2765% | 2,874 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2386% | 3,256 |
| Loan loss allowance to noncurrent loans | 364.3070% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 4,460 |
| Noncurrent loans to loans | 0.3400% | 4,244 |
| Net loans and leases to total assets | 54.7750% | 4,421 |
| Net loans and leases to deposits | 62.8860% | 4,553 |
| Net loans and leases to core deposits | 65.6971% | 4,619 |
| Total domestic deposits to total assets | 87.1019% | 2,075 |
| Equity capital to assets | 9.9891% | 3,968 |
| Core capital (leverage) ratio | 8.3887% | 5,535 |
| Tier 1 risk-based capital ratio | 12.4833% | 4,645 |
| Total risk-based capital ratio | 13.5365% | 4,666 |
| Memoranda: |
| Average total assets | $2,481,076,200 | 320 |
| Average earning assets | $2,301,219,200 | 315 |
| Average equity | $241,567,600 | 358 |
| Average total loans | $1,346,227,400 | 376 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5703% | 4,819 |
| Cost of funding earning assets | 0.3697% | 3,548 |
| Net interest margin | 3.2006% | 4,666 |
| Noninterest income to average assets | 0.8619% | 1,575 |
| Noninterest expense to average assets | 2.5953% | 3,899 |
| Loan and lease loss provision to assets | 0.0654% | 2,877 |
| Net operating income to assets | 1.1687% | 1,760 |
| Return on assets (ROA) | 1.1965% | 1,726 |
| Pretax return on assets | 1.1965% | 2,835 |
| Return on Equity (ROE) | 12.3701% | 1,278 |
| Retained earnings to average equity (ytd only) | 7.4237% | 1,488 |
| Net charge-offs to loans | 0.0481% | 2,930 |
| Credit loss provision to net charge-offs | 252.0747% | 1,130 |
| Earnings coverage of net charge-offs (x) | 47.5768% | 1,091 |
| Efficiency ratio | 66.2282% | 3,856 |
| Assets per employee ($millions) | 3.9512% | 3,973 |
| Cash dividends to net income (ytd only)* | 39.9865% | 2,305 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2688% | 3,263 |
| Loan loss allowance to noncurrent loans | 250.2840% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3825% | 4,234 |
| Noncurrent loans to loans | 0.5070% | 3,828 |
| Net loans and leases to total assets | 54.5038% | 4,511 |
| Net loans and leases to deposits | 63.0297% | 4,642 |
| Net loans and leases to core deposits | 66.2706% | 4,670 |
| Total domestic deposits to total assets | 86.4732% | 2,296 |
| Equity capital to assets | 10.0171% | 4,128 |
| Core capital (leverage) ratio | 8.0697% | 5,864 |
| Tier 1 risk-based capital ratio | 12.4270% | 4,808 |
| Total risk-based capital ratio | 13.5068% | 4,815 |
| Memoranda: |
| Average total assets | $2,477,658,250 | 328 |
| Average earning assets | $2,297,167,000 | 321 |
| Average equity | $239,658,500 | 368 |
| Average total loans | $1,336,875,750 | 384 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5459% | 4,870 |
| Cost of funding earning assets | 0.3742% | 3,558 |
| Net interest margin | 3.1717% | 4,741 |
| Noninterest income to average assets | 0.8286% | 1,668 |
| Noninterest expense to average assets | 2.5737% | 3,992 |
| Loan and lease loss provision to assets | 0.0809% | 2,492 |
| Net operating income to assets | 1.1142% | 1,890 |
| Return on assets (ROA) | 1.1533% | 1,833 |
| Pretax return on assets | 1.1533% | 2,961 |
| Return on Equity (ROE) | 12.0649% | 1,351 |
| Retained earnings to average equity (ytd only) | 7.2748% | 1,581 |
| Net charge-offs to loans | 0.0613% | 2,503 |
| Credit loss provision to net charge-offs | 246.3235% | 1,065 |
| Earnings coverage of net charge-offs (x) | 36.4044% | 1,203 |
| Efficiency ratio | 66.7243% | 3,879 |
| Assets per employee ($millions) | 4.2303% | 3,414 |
| Cash dividends to net income (ytd only)* | 39.7028% | 2,398 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2598% | 3,460 |
| Loan loss allowance to noncurrent loans | 270.1791% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 4,470 |
| Noncurrent loans to loans | 0.4663% | 4,084 |
| Net loans and leases to total assets | 53.9128% | 4,567 |
| Net loans and leases to deposits | 62.1820% | 4,690 |
| Net loans and leases to core deposits | 66.2819% | 4,629 |
| Total domestic deposits to total assets | 86.7016% | 2,318 |
| Equity capital to assets | 9.6671% | 4,448 |
| Core capital (leverage) ratio | 7.7880% | 6,018 |
| Tier 1 risk-based capital ratio | 12.2074% | 4,994 |
| Total risk-based capital ratio | 13.2861% | 5,024 |
| Memoranda: |
| Average total assets | $2,485,648,000 | 328 |
| Average earning assets | $2,304,174,000 | 318 |
| Average equity | $237,615,330 | 372 |
| Average total loans | $1,330,987,670 | 383 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5443% | 4,845 |
| Cost of funding earning assets | 0.3762% | 3,582 |
| Net interest margin | 3.1681% | 4,722 |
| Noninterest income to average assets | 0.7775% | 1,797 |
| Noninterest expense to average assets | 2.5352% | 4,156 |
| Loan and lease loss provision to assets | 0.0795% | 2,369 |
| Net operating income to assets | 1.1012% | 1,867 |
| Return on assets (ROA) | 1.0996% | 1,982 |
| Pretax return on assets | 1.0996% | 3,082 |
| Return on Equity (ROE) | 11.5671% | 1,460 |
| Retained earnings to average equity (ytd only) | 6.8503% | 2,078 |
| Net charge-offs to loans | 0.0664% | 2,073 |
| Credit loss provision to net charge-offs | 226.0274% | 970 |
| Earnings coverage of net charge-offs (x) | 33.5479% | 1,080 |
| Efficiency ratio | 66.6378% | 4,043 |
| Assets per employee ($millions) | 4.1776% | 3,600 |
| Cash dividends to net income (ytd only)* | 40.7776% | 2,023 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2582% | 3,641 |
| Loan loss allowance to noncurrent loans | 275.4363% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 4,556 |
| Noncurrent loans to loans | 0.4568% | 4,214 |
| Net loans and leases to total assets | 51.7760% | 4,681 |
| Net loans and leases to deposits | 59.7736% | 4,761 |
| Net loans and leases to core deposits | 63.5228% | 4,740 |
| Total domestic deposits to total assets | 86.6201% | 2,591 |
| Equity capital to assets | 9.4686% | 4,784 |
| Core capital (leverage) ratio | 7.7027% | 6,069 |
| Tier 1 risk-based capital ratio | 11.9682% | 5,260 |
| Total risk-based capital ratio | 13.0319% | 5,283 |
| Memoranda: |
| Average total assets | $2,489,002,500 | 328 |
| Average earning assets | $2,308,492,000 | 316 |
| Average equity | $236,602,500 | 371 |
| Average total loans | $1,319,723,500 | 384 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7558% | 4,631 |
| Cost of funding earning assets | 0.4240% | 3,441 |
| Net interest margin | 3.3318% | 4,469 |
| Noninterest income to average assets | 0.9243% | 1,428 |
| Noninterest expense to average assets | 2.6538% | 4,031 |
| Loan and lease loss provision to assets | 0.0633% | 3,251 |
| Net operating income to assets | 1.2815% | 1,343 |
| Return on assets (ROA) | 1.2995% | 1,360 |
| Pretax return on assets | 1.2995% | 2,242 |
| Return on Equity (ROE) | 13.6950% | 992 |
| Retained earnings to average equity (ytd only) | 8.0298% | 1,010 |
| Net charge-offs to loans | 0.0347% | 4,139 |
| Credit loss provision to net charge-offs | 345.0000% | 764 |
| Earnings coverage of net charge-offs (x) | 73.2667% | 687 |
| Efficiency ratio | 65.0881% | 4,392 |
| Assets per employee ($millions) | 4.0167% | 3,922 |
| Cash dividends to net income (ytd only)* | 41.3668% | 2,780 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2563% | 3,687 |
| Loan loss allowance to noncurrent loans | 296.3617% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 4,610 |
| Noncurrent loans to loans | 0.4239% | 4,367 |
| Net loans and leases to total assets | 52.9574% | 4,692 |
| Net loans and leases to deposits | 60.6378% | 4,844 |
| Net loans and leases to core deposits | 64.9083% | 4,761 |
| Total domestic deposits to total assets | 87.3340% | 2,111 |
| Equity capital to assets | 9.5447% | 4,666 |
| Core capital (leverage) ratio | 7.6121% | 6,167 |
| Tier 1 risk-based capital ratio | 11.9887% | 5,375 |
| Total risk-based capital ratio | 13.0957% | 5,370 |
| Memoranda: |
| Average total assets | $2,288,171,400 | 326 |
| Average earning assets | $2,111,380,400 | 322 |
| Average equity | $217,115,600 | 377 |
| Average total loans | $1,209,138,000 | 388 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7725% | 4,650 |
| Cost of funding earning assets | 0.4331% | 3,435 |
| Net interest margin | 3.3394% | 4,468 |
| Noninterest income to average assets | 0.9470% | 1,370 |
| Noninterest expense to average assets | 2.6697% | 3,943 |
| Loan and lease loss provision to assets | 0.0590% | 3,190 |
| Net operating income to assets | 1.2978% | 1,379 |
| Return on assets (ROA) | 1.3050% | 1,414 |
| Pretax return on assets | 1.3050% | 2,354 |
| Return on Equity (ROE) | 13.7759% | 1,033 |
| Retained earnings to average equity (ytd only) | 8.0116% | 1,357 |
| Net charge-offs to loans | 0.0256% | 3,993 |
| Credit loss provision to net charge-offs | 438.3260% | 645 |
| Earnings coverage of net charge-offs (x) | 100.8455% | 583 |
| Efficiency ratio | 65.0117% | 4,368 |
| Assets per employee ($millions) | 3.9479% | 3,989 |
| Cash dividends to net income (ytd only)* | 41.8438% | 2,265 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2583% | 3,890 |
| Loan loss allowance to noncurrent loans | 298.3785% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 4,807 |
| Noncurrent loans to loans | 0.4217% | 4,641 |
| Net loans and leases to total assets | 53.8259% | 4,598 |
| Net loans and leases to deposits | 61.7331% | 4,768 |
| Net loans and leases to core deposits | 66.0377% | 4,709 |
| Total domestic deposits to total assets | 87.1913% | 2,205 |
| Equity capital to assets | 9.4403% | 4,874 |
| Core capital (leverage) ratio | 7.4073% | 6,310 |
| Tier 1 risk-based capital ratio | 11.9261% | 5,537 |
| Total risk-based capital ratio | 13.0406% | 5,537 |
| Memoranda: |
| Average total assets | $2,249,668,500 | 329 |
| Average earning assets | $2,074,559,250 | 327 |
| Average equity | $213,119,750 | 383 |
| Average total loans | $1,183,979,750 | 392 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7384% | 4,739 |
| Cost of funding earning assets | 0.4376% | 3,464 |
| Net interest margin | 3.3008% | 4,583 |
| Noninterest income to average assets | 0.8952% | 1,508 |
| Noninterest expense to average assets | 2.6361% | 4,109 |
| Loan and lease loss provision to assets | 0.0569% | 3,155 |
| Net operating income to assets | 1.2411% | 1,474 |
| Return on assets (ROA) | 1.2176% | 1,597 |
| Pretax return on assets | 1.2176% | 2,585 |
| Return on Equity (ROE) | 12.8365% | 1,223 |
| Retained earnings to average equity (ytd only) | 7.7219% | 1,422 |
| Net charge-offs to loans | 0.0110% | 4,039 |
| Credit loss provision to net charge-offs | 1,000.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 227.9365% | 298 |
| Efficiency ratio | 65.9582% | 4,371 |
| Assets per employee ($millions) | 3.9266% | 4,002 |
| Cash dividends to net income (ytd only)* | 39.8441% | 2,408 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2946% | 3,875 |
| Loan loss allowance to noncurrent loans | 303.7994% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 4,867 |
| Noncurrent loans to loans | 0.4261% | 4,717 |
| Net loans and leases to total assets | 51.4961% | 4,801 |
| Net loans and leases to deposits | 58.9461% | 4,955 |
| Net loans and leases to core deposits | 63.1611% | 4,890 |
| Total domestic deposits to total assets | 87.3614% | 2,271 |
| Equity capital to assets | 9.3137% | 4,969 |
| Core capital (leverage) ratio | 7.5356% | 6,306 |
| Tier 1 risk-based capital ratio | 11.9133% | 5,586 |
| Total risk-based capital ratio | 13.0463% | 5,581 |
| Memoranda: |
| Average total assets | $2,212,617,000 | 330 |
| Average earning assets | $2,037,036,670 | 326 |
| Average equity | $209,870,000 | 383 |
| Average total loans | $1,149,664,000 | 401 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7374% | 4,716 |
| Cost of funding earning assets | 0.4431% | 3,503 |
| Net interest margin | 3.2943% | 4,560 |
| Noninterest income to average assets | 0.8676% | 1,490 |
| Noninterest expense to average assets | 2.6615% | 4,072 |
| Loan and lease loss provision to assets | 0.0562% | 2,991 |
| Net operating income to assets | 1.1867% | 1,522 |
| Return on assets (ROA) | 1.1869% | 1,589 |
| Pretax return on assets | 1.1869% | 2,542 |
| Return on Equity (ROE) | 12.3886% | 1,316 |
| Retained earnings to average equity (ytd only) | 7.5994% | 1,770 |
| Net charge-offs to loans | 0.0094% | 3,435 |
| Credit loss provision to net charge-offs | 1,153.8462% | 280 |
| Earnings coverage of net charge-offs (x) | 255.1538% | 187 |
| Efficiency ratio | 67.2601% | 4,322 |
| Assets per employee ($millions) | 3.8854% | 4,162 |
| Cash dividends to net income (ytd only)* | 38.6582% | 2,045 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4052% | 3,575 |
| Loan loss allowance to noncurrent loans | 322.0968% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 4,941 |
| Noncurrent loans to loans | 0.4363% | 4,839 |
| Net loans and leases to total assets | 51.1751% | 4,769 |
| Net loans and leases to deposits | 59.2562% | 4,826 |
| Net loans and leases to core deposits | 63.7135% | 4,712 |
| Total domestic deposits to total assets | 86.3624% | 3,177 |
| Equity capital to assets | 9.7008% | 4,224 |
| Core capital (leverage) ratio | 8.5156% | 5,622 |
| Tier 1 risk-based capital ratio | 13.8292% | 4,450 |
| Total risk-based capital ratio | 15.0598% | 4,417 |
| Memoranda: |
| Average total assets | $2,135,051,000 | 344 |
| Average earning assets | $1,968,124,500 | 339 |
| Average equity | $204,542,500 | 390 |
| Average total loans | $1,106,850,500 | 416 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7439% | 4,998 |
| Cost of funding earning assets | 0.4836% | 3,780 |
| Net interest margin | 3.2603% | 4,803 |
| Noninterest income to average assets | 0.8912% | 1,710 |
| Noninterest expense to average assets | 2.5870% | 4,511 |
| Loan and lease loss provision to assets | 0.0296% | 4,518 |
| Net operating income to assets | 1.2807% | 1,304 |
| Return on assets (ROA) | 1.3091% | 1,263 |
| Pretax return on assets | 1.3091% | 2,110 |
| Return on Equity (ROE) | 13.3134% | 1,106 |
| Retained earnings to average equity (ytd only) | 8.2538% | 971 |
| Net charge-offs to loans | 0.0666% | 4,282 |
| Credit loss provision to net charge-offs | 92.2388% | 2,700 |
| Earnings coverage of net charge-offs (x) | 40.8343% | 929 |
| Efficiency ratio | 65.4488% | 4,665 |
| Assets per employee ($millions) | 3.7882% | 4,289 |
| Cash dividends to net income (ytd only)* | 38.0040% | 2,912 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4068% | 3,623 |
| Loan loss allowance to noncurrent loans | 333.7300% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 5,137 |
| Noncurrent loans to loans | 0.4215% | 4,937 |
| Net loans and leases to total assets | 51.0499% | 4,964 |
| Net loans and leases to deposits | 58.9737% | 5,038 |
| Net loans and leases to core deposits | 62.7838% | 4,990 |
| Total domestic deposits to total assets | 86.5638% | 2,962 |
| Equity capital to assets | 9.4577% | 4,488 |
| Core capital (leverage) ratio | 8.5253% | 5,637 |
| Tier 1 risk-based capital ratio | 13.8260% | 4,416 |
| Total risk-based capital ratio | 15.0634% | 4,376 |
| Memoranda: |
| Average total assets | $2,087,965,000 | 340 |
| Average earning assets | $1,925,176,200 | 333 |
| Average equity | $205,311,200 | 376 |
| Average total loans | $1,005,931,800 | 428 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7410% | 5,059 |
| Cost of funding earning assets | 0.4939% | 3,833 |
| Net interest margin | 3.2471% | 4,839 |
| Noninterest income to average assets | 0.8979% | 1,761 |
| Noninterest expense to average assets | 2.5753% | 4,476 |
| Loan and lease loss provision to assets | 0.0288% | 4,431 |
| Net operating income to assets | 1.2853% | 1,386 |
| Return on assets (ROA) | 1.2859% | 1,451 |
| Pretax return on assets | 1.2859% | 2,384 |
| Return on Equity (ROE) | 12.9515% | 1,249 |
| Retained earnings to average equity (ytd only) | 7.9887% | 1,412 |
| Net charge-offs to loans | 0.0513% | 4,169 |
| Credit loss provision to net charge-offs | 119.0476% | 1,978 |
| Earnings coverage of net charge-offs (x) | 54.2510% | 814 |
| Efficiency ratio | 65.2761% | 4,608 |
| Assets per employee ($millions) | 3.7461% | 4,358 |
| Cash dividends to net income (ytd only)* | 38.3185% | 2,343 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4545% | 3,666 |
| Loan loss allowance to noncurrent loans | 322.0588% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 5,129 |
| Noncurrent loans to loans | 0.4516% | 5,066 |
| Net loans and leases to total assets | 51.4117% | 4,948 |
| Net loans and leases to deposits | 60.4388% | 4,920 |
| Net loans and leases to core deposits | 64.0837% | 4,892 |
| Total domestic deposits to total assets | 85.0641% | 3,721 |
| Equity capital to assets | 9.6287% | 4,382 |
| Core capital (leverage) ratio | 8.2510% | 6,012 |
| Tier 1 risk-based capital ratio | 13.8520% | 4,531 |
| Total risk-based capital ratio | 15.1025% | 4,486 |
| Memoranda: |
| Average total assets | $2,080,557,000 | 341 |
| Average earning assets | $1,916,752,000 | 336 |
| Average equity | $206,570,250 | 375 |
| Average total loans | $983,300,750 | 433 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6959% | 5,152 |
| Cost of funding earning assets | 0.4981% | 3,918 |
| Net interest margin | 3.1978% | 4,956 |
| Noninterest income to average assets | 0.8650% | 1,943 |
| Noninterest expense to average assets | 2.5326% | 4,616 |
| Loan and lease loss provision to assets | 0.0287% | 4,355 |
| Net operating income to assets | 1.2537% | 1,447 |
| Return on assets (ROA) | 1.2544% | 1,541 |
| Pretax return on assets | 1.2544% | 2,468 |
| Return on Equity (ROE) | 12.5107% | 1,358 |
| Retained earnings to average equity (ytd only) | 7.5856% | 1,632 |
| Net charge-offs to loans | 0.0612% | 3,829 |
| Credit loss provision to net charge-offs | 102.7397% | 2,156 |
| Earnings coverage of net charge-offs (x) | 45.9178% | 841 |
| Efficiency ratio | 65.4374% | 4,642 |
| Assets per employee ($millions) | 3.6942% | 4,411 |
| Cash dividends to net income (ytd only)* | 39.3671% | 2,282 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5068% | 3,557 |
| Loan loss allowance to noncurrent loans | 264.2662% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 5,139 |
| Noncurrent loans to loans | 0.5702% | 4,834 |
| Net loans and leases to total assets | 48.9321% | 5,230 |
| Net loans and leases to deposits | 56.9816% | 5,249 |
| Net loans and leases to core deposits | 60.6249% | 5,211 |
| Total domestic deposits to total assets | 85.8736% | 3,434 |
| Equity capital to assets | 9.6709% | 4,353 |
| Core capital (leverage) ratio | 7.9970% | 6,191 |
| Tier 1 risk-based capital ratio | 13.9469% | 4,455 |
| Total risk-based capital ratio | 15.1978% | 4,421 |
| Memoranda: |
| Average total assets | $2,091,045,670 | 342 |
| Average earning assets | $1,928,992,330 | 333 |
| Average equity | $209,660,330 | 369 |
| Average total loans | $954,727,330 | 441 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6464% | 5,318 |
| Cost of funding earning assets | 0.4996% | 4,094 |
| Net interest margin | 3.1468% | 5,108 |
| Noninterest income to average assets | 0.8207% | 2,045 |
| Noninterest expense to average assets | 2.4791% | 4,830 |
| Loan and lease loss provision to assets | 0.0285% | 4,100 |
| Net operating income to assets | 1.2227% | 1,460 |
| Return on assets (ROA) | 1.2298% | 1,548 |
| Pretax return on assets | 1.2298% | 2,471 |
| Return on Equity (ROE) | 12.0546% | 1,406 |
| Retained earnings to average equity (ytd only) | 7.2705% | 2,038 |
| Net charge-offs to loans | 0.1120% | 2,760 |
| Credit loss provision to net charge-offs | 58.3658% | 2,477 |
| Earnings coverage of net charge-offs (x) | 25.5875% | 1,047 |
| Efficiency ratio | 65.4935% | 4,746 |
| Assets per employee ($millions) | 3.8208% | 4,316 |
| Cash dividends to net income (ytd only)* | 39.6875% | 1,861 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6768% | 3,104 |
| Loan loss allowance to noncurrent loans | 199.2998% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 5,085 |
| Noncurrent loans to loans | 0.8413% | 4,434 |
| Net loans and leases to total assets | 43.1240% | 5,748 |
| Net loans and leases to deposits | 50.0495% | 5,781 |
| Net loans and leases to core deposits | 53.5920% | 5,701 |
| Total domestic deposits to total assets | 86.1628% | 3,440 |
| Equity capital to assets | 10.2439% | 3,865 |
| Core capital (leverage) ratio | 7.7939% | 6,293 |
| Tier 1 risk-based capital ratio | 14.9154% | 3,903 |
| Total risk-based capital ratio | 16.1677% | 3,860 |
| Memoranda: |
| Average total assets | $2,102,191,000 | 343 |
| Average earning assets | $1,943,818,000 | 334 |
| Average equity | $214,457,000 | 367 |
| Average total loans | $918,205,000 | 458 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9306% | 5,488 |
| Cost of funding earning assets | 0.6602% | 3,833 |
| Net interest margin | 3.2704% | 5,355 |
| Noninterest income to average assets | 1.0183% | 1,488 |
| Noninterest expense to average assets | 2.5776% | 4,826 |
| Loan and lease loss provision to assets | 0.0910% | 4,546 |
| Net operating income to assets | 1.3610% | 1,173 |
| Return on assets (ROA) | 1.3793% | 1,251 |
| Pretax return on assets | 1.3793% | 2,112 |
| Return on Equity (ROE) | 13.2456% | 1,169 |
| Retained earnings to average equity (ytd only) | 7.5070% | 1,335 |
| Net charge-offs to loans | 0.1075% | 4,594 |
| Credit loss provision to net charge-offs | 193.5484% | 1,348 |
| Earnings coverage of net charge-offs (x) | 30.8918% | 986 |
| Efficiency ratio | 63.0480% | 5,068 |
| Assets per employee ($millions) | 3.7961% | 4,373 |
| Cash dividends to net income (ytd only)* | 43.3247% | 2,672 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6827% | 2,995 |
| Loan loss allowance to noncurrent loans | 199.6517% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 5,048 |
| Noncurrent loans to loans | 0.8428% | 4,503 |
| Net loans and leases to total assets | 42.7677% | 5,923 |
| Net loans and leases to deposits | 50.0878% | 5,948 |
| Net loans and leases to core deposits | 53.6461% | 5,901 |
| Total domestic deposits to total assets | 85.3854% | 3,669 |
| Equity capital to assets | 10.1598% | 3,947 |
| Core capital (leverage) ratio | 7.7468% | 6,375 |
| Tier 1 risk-based capital ratio | 14.5852% | 3,970 |
| Total risk-based capital ratio | 15.8375% | 3,926 |
| Memoranda: |
| Average total assets | $2,044,552,400 | 350 |
| Average earning assets | $1,882,636,600 | 339 |
| Average equity | $212,908,800 | 352 |
| Average total loans | $894,175,200 | 460 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0109% | 5,486 |
| Cost of funding earning assets | 0.6844% | 3,903 |
| Net interest margin | 3.3265% | 5,290 |
| Noninterest income to average assets | 0.9792% | 1,563 |
| Noninterest expense to average assets | 2.6244% | 4,660 |
| Loan and lease loss provision to assets | 0.1026% | 4,294 |
| Net operating income to assets | 1.3158% | 1,403 |
| Return on assets (ROA) | 1.3378% | 1,497 |
| Pretax return on assets | 1.3378% | 2,461 |
| Return on Equity (ROE) | 12.7662% | 1,393 |
| Retained earnings to average equity (ytd only) | 6.9235% | 2,168 |
| Net charge-offs to loans | 0.0709% | 4,706 |
| Credit loss provision to net charge-offs | 330.5085% | 805 |
| Earnings coverage of net charge-offs (x) | 45.6884% | 804 |
| Efficiency ratio | 63.9909% | 4,804 |
| Assets per employee ($millions) | 3.7425% | 4,440 |
| Cash dividends to net income (ytd only)* | 45.7670% | 1,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7379% | 3,003 |
| Loan loss allowance to noncurrent loans | 154.0564% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 4,453 |
| Noncurrent loans to loans | 1.1281% | 4,171 |
| Net loans and leases to total assets | 43.7485% | 5,988 |
| Net loans and leases to deposits | 51.6912% | 5,996 |
| Net loans and leases to core deposits | 55.7997% | 5,905 |
| Total domestic deposits to total assets | 84.6344% | 3,920 |
| Equity capital to assets | 10.7538% | 3,551 |
| Core capital (leverage) ratio | 7.5103% | 6,616 |
| Tier 1 risk-based capital ratio | 14.5424% | 4,158 |
| Total risk-based capital ratio | 15.7959% | 4,121 |
| Memoranda: |
| Average total assets | $2,027,087,250 | 353 |
| Average earning assets | $1,866,888,500 | 341 |
| Average equity | $212,431,000 | 352 |
| Average total loans | $887,778,500 | 463 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0412% | 5,513 |
| Cost of funding earning assets | 0.7011% | 4,006 |
| Net interest margin | 3.3402% | 5,303 |
| Noninterest income to average assets | 0.9286% | 1,677 |
| Noninterest expense to average assets | 2.5418% | 4,991 |
| Loan and lease loss provision to assets | 0.1243% | 3,967 |
| Net operating income to assets | 1.3355% | 1,344 |
| Return on assets (ROA) | 1.3366% | 1,498 |
| Pretax return on assets | 1.3366% | 2,437 |
| Return on Equity (ROE) | 12.8660% | 1,397 |
| Retained earnings to average equity (ytd only) | 6.8669% | 2,178 |
| Net charge-offs to loans | 0.0793% | 4,355 |
| Credit loss provision to net charge-offs | 360.0000% | 812 |
| Earnings coverage of net charge-offs (x) | 42.2886% | 836 |
| Efficiency ratio | 62.5860% | 5,149 |
| Assets per employee ($millions) | 3.8026% | 4,307 |
| Cash dividends to net income (ytd only)* | 46.6278% | 1,881 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7207% | 3,144 |
| Loan loss allowance to noncurrent loans | 155.6114% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 4,519 |
| Noncurrent loans to loans | 1.1058% | 4,315 |
| Net loans and leases to total assets | 43.4022% | 6,077 |
| Net loans and leases to deposits | 50.8818% | 6,116 |
| Net loans and leases to core deposits | 55.1125% | 6,018 |
| Total domestic deposits to total assets | 85.2999% | 3,709 |
| Equity capital to assets | 10.4370% | 3,762 |
| Core capital (leverage) ratio | 7.2415% | 6,744 |
| Tier 1 risk-based capital ratio | 14.0656% | 4,398 |
| Total risk-based capital ratio | 15.3186% | 4,362 |
| Memoranda: |
| Average total assets | $2,027,885,000 | 352 |
| Average earning assets | $1,865,661,000 | 340 |
| Average equity | $210,664,000 | 352 |
| Average total loans | $883,224,670 | 465 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0542% | 5,594 |
| Cost of funding earning assets | 0.7269% | 4,052 |
| Net interest margin | 3.3273% | 5,382 |
| Noninterest income to average assets | 0.9500% | 1,571 |
| Noninterest expense to average assets | 2.5567% | 4,971 |
| Loan and lease loss provision to assets | 0.1305% | 3,715 |
| Net operating income to assets | 1.3224% | 1,394 |
| Return on assets (ROA) | 1.3245% | 1,550 |
| Pretax return on assets | 1.3245% | 2,440 |
| Return on Equity (ROE) | 12.7804% | 1,468 |
| Retained earnings to average equity (ytd only) | 6.9073% | 2,479 |
| Net charge-offs to loans | 0.1120% | 3,452 |
| Credit loss provision to net charge-offs | 269.3878% | 1,082 |
| Earnings coverage of net charge-offs (x) | 29.9878% | 920 |
| Efficiency ratio | 62.8329% | 5,131 |
| Assets per employee ($millions) | 3.7924% | 4,440 |
| Cash dividends to net income (ytd only)* | 45.9540% | 1,580 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7068% | 3,324 |
| Loan loss allowance to noncurrent loans | 147.2981% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 4,511 |
| Noncurrent loans to loans | 1.1587% | 4,392 |
| Net loans and leases to total assets | 42.1600% | 6,179 |
| Net loans and leases to deposits | 49.2341% | 6,201 |
| Net loans and leases to core deposits | 53.5297% | 6,096 |
| Total domestic deposits to total assets | 85.6316% | 3,725 |
| Equity capital to assets | 10.2657% | 3,772 |
| Core capital (leverage) ratio | 7.1387% | 6,785 |
| Tier 1 risk-based capital ratio | 14.0000% | 4,475 |
| Total risk-based capital ratio | 15.2527% | 4,432 |
| Memoranda: |
| Average total assets | $2,022,735,500 | 351 |
| Average earning assets | $1,859,979,000 | 342 |
| Average equity | $209,633,500 | 349 |
| Average total loans | $874,785,000 | 468 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3544% | 5,592 |
| Cost of funding earning assets | 0.9163% | 3,994 |
| Net interest margin | 3.4382% | 5,372 |
| Noninterest income to average assets | 1.0155% | 1,325 |
| Noninterest expense to average assets | 2.6577% | 4,895 |
| Loan and lease loss provision to assets | 0.2293% | 3,908 |
| Net operating income to assets | 1.2875% | 1,281 |
| Return on assets (ROA) | 1.3214% | 1,289 |
| Pretax return on assets | 1.3214% | 2,047 |
| Return on Equity (ROE) | 13.2748% | 1,097 |
| Retained earnings to average equity (ytd only) | 4.5205% | 2,955 |
| Net charge-offs to loans | 0.3428% | 3,688 |
| Credit loss provision to net charge-offs | 151.7719% | 1,852 |
| Earnings coverage of net charge-offs (x) | 10.0405% | 1,894 |
| Efficiency ratio | 62.7414% | 5,342 |
| Assets per employee ($millions) | 3.7061% | 4,546 |
| Cash dividends to net income (ytd only)* | 65.9464% | 1,310 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6733% | 3,301 |
| Loan loss allowance to noncurrent loans | 256.8811% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.8007% | 5,037 |
| Noncurrent loans to loans | 0.6514% | 5,399 |
| Net loans and leases to total assets | 42.8824% | 6,309 |
| Net loans and leases to deposits | 50.4502% | 6,326 |
| Net loans and leases to core deposits | 54.5083% | 6,263 |
| Total domestic deposits to total assets | 84.9995% | 3,847 |
| Equity capital to assets | 10.4645% | 3,572 |
| Core capital (leverage) ratio | 7.1298% | 6,820 |
| Tier 1 risk-based capital ratio | 13.7778% | 4,496 |
| Total risk-based capital ratio | 15.0300% | 4,457 |
| Memoranda: |
| Average total assets | $1,961,425,400 | 353 |
| Average earning assets | $1,802,157,000 | 343 |
| Average equity | $195,242,600 | 362 |
| Average total loans | $864,331,600 | 485 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4029% | 5,593 |
| Cost of funding earning assets | 0.9497% | 4,051 |
| Net interest margin | 3.4532% | 5,380 |
| Noninterest income to average assets | 1.0313% | 1,268 |
| Noninterest expense to average assets | 2.7219% | 4,646 |
| Loan and lease loss provision to assets | 0.2230% | 3,781 |
| Net operating income to assets | 1.2595% | 1,487 |
| Return on assets (ROA) | 1.3049% | 1,451 |
| Pretax return on assets | 1.3049% | 2,271 |
| Return on Equity (ROE) | 13.2834% | 1,210 |
| Retained earnings to average equity (ytd only) | 2.8141% | 4,672 |
| Net charge-offs to loans | 0.2744% | 3,718 |
| Credit loss provision to net charge-offs | 183.9437% | 1,603 |
| Earnings coverage of net charge-offs (x) | 12.2298% | 1,728 |
| Efficiency ratio | 63.8177% | 5,106 |
| Assets per employee ($millions) | 3.8212% | 4,261 |
| Cash dividends to net income (ytd only)* | 78.8152% | 644 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6780% | 3,348 |
| Loan loss allowance to noncurrent loans | 150.4711% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 4,869 |
| Noncurrent loans to loans | 1.1152% | 4,688 |
| Net loans and leases to total assets | 42.9409% | 6,436 |
| Net loans and leases to deposits | 51.1064% | 6,436 |
| Net loans and leases to core deposits | 55.5358% | 6,346 |
| Total domestic deposits to total assets | 84.0225% | 4,221 |
| Equity capital to assets | 10.3484% | 3,899 |
| Core capital (leverage) ratio | 6.8798% | 6,989 |
| Tier 1 risk-based capital ratio | 13.2846% | 4,884 |
| Total risk-based capital ratio | 14.5371% | 4,861 |
| Memoranda: |
| Average total assets | $1,952,385,500 | 358 |
| Average earning assets | $1,794,026,250 | 346 |
| Average equity | $191,793,750 | 374 |
| Average total loans | $862,617,000 | 488 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3995% | 5,695 |
| Cost of funding earning assets | 0.9803% | 4,087 |
| Net interest margin | 3.4192% | 5,483 |
| Noninterest income to average assets | 0.9704% | 1,404 |
| Noninterest expense to average assets | 2.6727% | 4,928 |
| Loan and lease loss provision to assets | 0.2196% | 3,723 |
| Net operating income to assets | 1.2207% | 1,509 |
| Return on assets (ROA) | 1.2311% | 1,561 |
| Pretax return on assets | 1.2311% | 2,364 |
| Return on Equity (ROE) | 12.7646% | 1,256 |
| Retained earnings to average equity (ytd only) | 7.0608% | 1,853 |
| Net charge-offs to loans | 0.3016% | 3,361 |
| Credit loss provision to net charge-offs | 164.1263% | 1,844 |
| Earnings coverage of net charge-offs (x) | 10.7667% | 1,770 |
| Efficiency ratio | 64.0352% | 5,234 |
| Assets per employee ($millions) | 3.7408% | 4,335 |
| Cash dividends to net income (ytd only)* | 44.6842% | 1,881 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5883% | 3,737 |
| Loan loss allowance to noncurrent loans | 124.1456% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 1.0701% | 4,743 |
| Noncurrent loans to loans | 1.2794% | 4,526 |
| Net loans and leases to total assets | 43.4490% | 6,480 |
| Net loans and leases to deposits | 51.3076% | 6,514 |
| Net loans and leases to core deposits | 55.9286% | 6,420 |
| Total domestic deposits to total assets | 84.6834% | 4,031 |
| Equity capital to assets | 10.0306% | 4,106 |
| Core capital (leverage) ratio | 7.0722% | 6,968 |
| Tier 1 risk-based capital ratio | 13.5698% | 4,479 |
| Total risk-based capital ratio | 14.8197% | 4,454 |
| Memoranda: |
| Average total assets | $1,942,115,330 | 363 |
| Average earning assets | $1,784,962,670 | 352 |
| Average equity | $187,315,000 | 384 |
| Average total loans | $861,444,000 | 496 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4489% | 5,514 |
| Cost of funding earning assets | 1.0097% | 4,135 |
| Net interest margin | 3.4392% | 5,268 |
| Noninterest income to average assets | 0.9097% | 1,633 |
| Noninterest expense to average assets | 2.6588% | 4,998 |
| Loan and lease loss provision to assets | 0.1921% | 3,709 |
| Net operating income to assets | 1.2260% | 1,459 |
| Return on assets (ROA) | 1.2260% | 1,514 |
| Pretax return on assets | 1.2260% | 2,291 |
| Return on Equity (ROE) | 12.9779% | 1,204 |
| Retained earnings to average equity (ytd only) | 7.0964% | 2,105 |
| Net charge-offs to loans | 0.2829% | 2,935 |
| Credit loss provision to net charge-offs | 152.7273% | 1,877 |
| Earnings coverage of net charge-offs (x) | 11.2727% | 1,562 |
| Efficiency ratio | 64.2526% | 5,321 |
| Assets per employee ($millions) | 3.7492% | 4,428 |
| Cash dividends to net income (ytd only)* | 45.3189% | 1,613 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5594% | 3,921 |
| Loan loss allowance to noncurrent loans | 96.6792% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.1650% | 4,611 |
| Noncurrent loans to loans | 1.6129% | 4,060 |
| Net loans and leases to total assets | 43.5211% | 6,507 |
| Net loans and leases to deposits | 51.3396% | 6,529 |
| Net loans and leases to core deposits | 55.7298% | 6,435 |
| Total domestic deposits to total assets | 84.7710% | 4,139 |
| Equity capital to assets | 9.5525% | 4,366 |
| Core capital (leverage) ratio | 6.9737% | 7,021 |
| Tier 1 risk-based capital ratio | 13.4386% | 4,470 |
| Total risk-based capital ratio | 14.6899% | 4,450 |
| Memoranda: |
| Average total assets | $1,923,728,500 | 365 |
| Average earning assets | $1,771,597,000 | 355 |
| Average equity | $181,725,000 | 390 |
| Average total loans | $855,323,500 | 513 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7602% | 5,580 |
| Cost of funding earning assets | 1.0940% | 5,161 |
| Net interest margin | 3.6663% | 4,508 |
| Noninterest income to average assets | 1.7606% | 486 |
| Noninterest expense to average assets | 2.9468% | 4,046 |
| Loan and lease loss provision to assets | 0.2415% | 4,869 |
| Net operating income to assets | 1.9221% | 322 |
| Return on assets (ROA) | 1.9324% | 334 |
| Pretax return on assets | 1.9324% | 566 |
| Return on Equity (ROE) | 18.5412% | 339 |
| Retained earnings to average equity (ytd only) | 9.7327% | 566 |
| Net charge-offs to loans | 0.4272% | 3,913 |
| Credit loss provision to net charge-offs | 116.1213% | 3,706 |
| Earnings coverage of net charge-offs (x) | 10.4047% | 1,707 |
| Efficiency ratio | 57.0369% | 6,454 |
| Assets per employee ($millions) | 3.7879% | 4,288 |
| Cash dividends to net income (ytd only)* | 47.5077% | 2,214 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5280% | 3,870 |
| Loan loss allowance to noncurrent loans | 103.7461% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1589% | 4,697 |
| Noncurrent loans to loans | 1.4728% | 4,274 |
| Net loans and leases to total assets | 44.0336% | 6,706 |
| Net loans and leases to deposits | 52.3777% | 6,718 |
| Net loans and leases to core deposits | 56.9214% | 6,637 |
| Total domestic deposits to total assets | 84.0693% | 4,332 |
| Equity capital to assets | 9.3389% | 4,637 |
| Core capital (leverage) ratio | 6.8801% | 7,076 |
| Tier 1 risk-based capital ratio | 13.1227% | 4,511 |
| Total risk-based capital ratio | 14.3747% | 4,466 |
| Memoranda: |
| Average total assets | $1,601,860,800 | 428 |
| Average earning assets | $1,463,587,400 | 421 |
| Average equity | $166,952,800 | 415 |
| Average total loans | $779,748,600 | 557 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8511% | 5,464 |
| Cost of funding earning assets | 1.1287% | 5,259 |
| Net interest margin | 3.7224% | 4,296 |
| Noninterest income to average assets | 1.9708% | 385 |
| Noninterest expense to average assets | 2.8418% | 4,309 |
| Loan and lease loss provision to assets | 0.2575% | 4,521 |
| Net operating income to assets | 2.2640% | 208 |
| Return on assets (ROA) | 2.2777% | 214 |
| Pretax return on assets | 2.2777% | 355 |
| Return on Equity (ROE) | 21.1654% | 248 |
| Retained earnings to average equity (ytd only) | 14.8913% | 219 |
| Net charge-offs to loans | 0.3016% | 4,160 |
| Credit loss provision to net charge-offs | 171.0221% | 2,167 |
| Earnings coverage of net charge-offs (x) | 16.7486% | 1,365 |
| Efficiency ratio | 52.6603% | 6,918 |
| Assets per employee ($millions) | 3.4427% | 5,113 |
| Cash dividends to net income (ytd only)* | 29.6434% | 2,559 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5927% | 3,549 |
| Loan loss allowance to noncurrent loans | 58.6516% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.7226% | 3,862 |
| Noncurrent loans to loans | 2.7155% | 2,923 |
| Net loans and leases to total assets | 45.1609% | 6,758 |
| Net loans and leases to deposits | 54.3504% | 6,742 |
| Net loans and leases to core deposits | 59.2742% | 6,654 |
| Total domestic deposits to total assets | 83.0920% | 4,560 |
| Equity capital to assets | 10.0768% | 4,060 |
| Core capital (leverage) ratio | 6.8145% | 7,247 |
| Tier 1 risk-based capital ratio | 13.1942% | 4,430 |
| Total risk-based capital ratio | 14.4470% | 4,410 |
| Memoranda: |
| Average total assets | $1,525,051,750 | 445 |
| Average earning assets | $1,389,899,500 | 439 |
| Average equity | $164,118,750 | 413 |
| Average total loans | $761,263,750 | 570 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9264% | 5,282 |
| Cost of funding earning assets | 1.1079% | 5,628 |
| Net interest margin | 3.8185% | 3,813 |
| Noninterest income to average assets | 1.0925% | 1,115 |
| Noninterest expense to average assets | 2.7806% | 4,577 |
| Loan and lease loss provision to assets | 0.2879% | 4,089 |
| Net operating income to assets | 1.4934% | 924 |
| Return on assets (ROA) | 1.5148% | 952 |
| Pretax return on assets | 1.5148% | 1,521 |
| Return on Equity (ROE) | 13.6862% | 1,102 |
| Retained earnings to average equity (ytd only) | 7.8929% | 1,480 |
| Net charge-offs to loans | 0.3810% | 3,456 |
| Credit loss provision to net charge-offs | 146.0983% | 2,709 |
| Earnings coverage of net charge-offs (x) | 9.0390% | 2,061 |
| Efficiency ratio | 60.5363% | 5,946 |
| Assets per employee ($millions) | 3.5674% | 4,759 |
| Cash dividends to net income (ytd only)* | 42.3294% | 1,975 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7874% | 2,756 |
| Loan loss allowance to noncurrent loans | 107.6280% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.2254% | 4,687 |
| Noncurrent loans to loans | 1.6607% | 4,205 |
| Net loans and leases to total assets | 51.8484% | 6,226 |
| Net loans and leases to deposits | 61.4290% | 6,278 |
| Net loans and leases to core deposits | 67.2156% | 6,128 |
| Total domestic deposits to total assets | 84.4038% | 3,914 |
| Equity capital to assets | 11.4961% | 2,447 |
| Core capital (leverage) ratio | 7.9607% | 6,314 |
| Tier 1 risk-based capital ratio | 13.4523% | 4,101 |
| Total risk-based capital ratio | 14.6930% | 4,068 |
| Memoranda: |
| Average total assets | $1,404,541,670 | 475 |
| Average earning assets | $1,276,150,330 | 470 |
| Average equity | $155,455,670 | 438 |
| Average total loans | $726,423,000 | 601 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8566% | 5,657 |
| Cost of funding earning assets | 1.1304% | 5,756 |
| Net interest margin | 3.7261% | 4,119 |
| Noninterest income to average assets | 0.9672% | 1,397 |
| Noninterest expense to average assets | 2.7105% | 4,854 |
| Loan and lease loss provision to assets | 0.2630% | 3,934 |
| Net operating income to assets | 1.3820% | 1,119 |
| Return on assets (ROA) | 1.4253% | 1,094 |
| Pretax return on assets | 1.4253% | 1,706 |
| Return on Equity (ROE) | 13.1321% | 1,228 |
| Retained earnings to average equity (ytd only) | 7.3574% | 1,993 |
| Net charge-offs to loans | 0.1046% | 4,375 |
| Credit loss provision to net charge-offs | 490.9574% | 866 |
| Earnings coverage of net charge-offs (x) | 30.7128% | 856 |
| Efficiency ratio | 61.7936% | 5,871 |
| Assets per employee ($millions) | 3.5511% | 4,924 |
| Cash dividends to net income (ytd only)* | 43.9736% | 1,645 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8604% | 2,547 |
| Loan loss allowance to noncurrent loans | 76.1331% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.3474% | 4,497 |
| Noncurrent loans to loans | 2.4436% | 3,234 |
| Net loans and leases to total assets | 50.6057% | 6,413 |
| Net loans and leases to deposits | 59.5011% | 6,510 |
| Net loans and leases to core deposits | 64.4911% | 6,421 |
| Total domestic deposits to total assets | 85.0500% | 3,652 |
| Equity capital to assets | 11.0792% | 2,697 |
| Core capital (leverage) ratio | 7.8106% | 6,485 |
| Tier 1 risk-based capital ratio | 13.1379% | 4,242 |
| Total risk-based capital ratio | 14.3584% | 4,226 |
| Memoranda: |
| Average total assets | $1,404,026,000 | 487 |
| Average earning assets | $1,276,707,500 | 482 |
| Average equity | $152,390,500 | 447 |
| Average total loans | $718,619,500 | 631 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2781% | 5,290 |
| Cost of funding earning assets | 1.4620% | 5,674 |
| Net interest margin | 3.8161% | 3,639 |
| Noninterest income to average assets | 1.0303% | 1,468 |
| Noninterest expense to average assets | 2.8640% | 4,682 |
| Loan and lease loss provision to assets | 0.2215% | 5,591 |
| Net operating income to assets | 1.4069% | 839 |
| Return on assets (ROA) | 1.4228% | 866 |
| Pretax return on assets | 1.4228% | 1,377 |
| Return on Equity (ROE) | 13.4630% | 875 |
| Retained earnings to average equity (ytd only) | 7.9208% | 719 |
| Net charge-offs to loans | 0.1986% | 5,406 |
| Credit loss provision to net charge-offs | 213.5311% | 1,798 |
| Earnings coverage of net charge-offs (x) | 15.6983% | 1,291 |
| Efficiency ratio | 63.3072% | 5,911 |
| Assets per employee ($millions) | 3.6217% | 4,724 |
| Cash dividends to net income (ytd only)* | 41.1659% | 2,877 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7633% | 2,663 |
| Loan loss allowance to noncurrent loans | 75.4472% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.2859% | 4,512 |
| Noncurrent loans to loans | 2.3372% | 3,250 |
| Net loans and leases to total assets | 49.9092% | 6,652 |
| Net loans and leases to deposits | 59.6548% | 6,659 |
| Net loans and leases to core deposits | 72.5231% | 6,617 |
| Total domestic deposits to total assets | 83.6634% | 4,198 |
| Equity capital to assets | 10.6311% | 3,041 |
| Core capital (leverage) ratio | 7.7453% | 6,509 |
| Tier 1 risk-based capital ratio | 12.8297% | 4,263 |
| Total risk-based capital ratio | 13.9979% | 4,271 |
| Memoranda: |
| Average total assets | $1,332,247,800 | 509 |
| Average earning assets | $1,208,701,000 | 505 |
| Average equity | $140,793,400 | 479 |
| Average total loans | $696,043,600 | 671 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3438% | 5,204 |
| Cost of funding earning assets | 1.5100% | 5,780 |
| Net interest margin | 3.8338% | 3,507 |
| Noninterest income to average assets | 1.0145% | 1,549 |
| Noninterest expense to average assets | 2.8894% | 4,501 |
| Loan and lease loss provision to assets | 0.2061% | 5,339 |
| Net operating income to assets | 1.3953% | 1,040 |
| Return on assets (ROA) | 1.3968% | 1,099 |
| Pretax return on assets | 1.3968% | 1,702 |
| Return on Equity (ROE) | 13.2385% | 1,060 |
| Retained earnings to average equity (ytd only) | 7.5413% | 1,301 |
| Net charge-offs to loans | 0.2510% | 4,481 |
| Credit loss provision to net charge-offs | 156.0000% | 3,056 |
| Earnings coverage of net charge-offs (x) | 12.1231% | 1,791 |
| Efficiency ratio | 63.8912% | 5,779 |
| Assets per employee ($millions) | 3.4786% | 4,982 |
| Cash dividends to net income (ytd only)* | 43.0348% | 2,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6439% | 2,830 |
| Loan loss allowance to noncurrent loans | 193.2713% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 5,948 |
| Noncurrent loans to loans | 0.8506% | 5,597 |
| Net loans and leases to total assets | 52.7297% | 6,531 |
| Net loans and leases to deposits | 62.5630% | 6,625 |
| Net loans and leases to core deposits | 77.8365% | 6,506 |
| Total domestic deposits to total assets | 84.2825% | 3,589 |
| Equity capital to assets | 10.9496% | 3,063 |
| Core capital (leverage) ratio | 7.5876% | 6,878 |
| Tier 1 risk-based capital ratio | 12.4072% | 4,622 |
| Total risk-based capital ratio | 13.6403% | 4,582 |
| Memoranda: |
| Average total assets | $1,312,189,250 | 528 |
| Average earning assets | $1,189,839,750 | 523 |
| Average equity | $138,451,000 | 495 |
| Average total loans | $690,651,250 | 691 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4036% | 5,136 |
| Cost of funding earning assets | 1.5441% | 5,951 |
| Net interest margin | 3.8595% | 3,291 |
| Noninterest income to average assets | 1.0098% | 1,562 |
| Noninterest expense to average assets | 2.9051% | 4,485 |
| Loan and lease loss provision to assets | 0.1842% | 5,188 |
| Net operating income to assets | 1.4065% | 1,018 |
| Return on assets (ROA) | 1.4074% | 1,081 |
| Pretax return on assets | 1.4074% | 1,702 |
| Return on Equity (ROE) | 13.5140% | 1,066 |
| Retained earnings to average equity (ytd only) | 7.7615% | 1,289 |
| Net charge-offs to loans | 0.2270% | 4,076 |
| Credit loss provision to net charge-offs | 155.1100% | 2,966 |
| Earnings coverage of net charge-offs (x) | 13.3959% | 1,745 |
| Efficiency ratio | 64.1644% | 5,883 |
| Assets per employee ($millions) | 3.5452% | 4,700 |
| Cash dividends to net income (ytd only)* | 42.5671% | 2,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6601% | 2,488 |
| Loan loss allowance to noncurrent loans | 213.2212% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 6,086 |
| Noncurrent loans to loans | 0.7786% | 5,673 |
| Net loans and leases to total assets | 51.9319% | 6,696 |
| Net loans and leases to deposits | 61.2261% | 6,798 |
| Net loans and leases to core deposits | 75.2998% | 6,717 |
| Total domestic deposits to total assets | 84.8198% | 3,347 |
| Equity capital to assets | 10.4045% | 3,511 |
| Core capital (leverage) ratio | 7.6386% | 6,842 |
| Tier 1 risk-based capital ratio | 12.4141% | 4,588 |
| Total risk-based capital ratio | 13.6462% | 4,531 |
| Memoranda: |
| Average total assets | $1,301,999,670 | 545 |
| Average earning assets | $1,175,952,330 | 543 |
| Average equity | $135,592,670 | 511 |
| Average total loans | $680,913,000 | 726 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4645% | 5,093 |
| Cost of funding earning assets | 1.5782% | 6,126 |
| Net interest margin | 3.8863% | 3,098 |
| Noninterest income to average assets | 0.9798% | 1,544 |
| Noninterest expense to average assets | 2.8523% | 4,327 |
| Loan and lease loss provision to assets | 0.1853% | 4,588 |
| Net operating income to assets | 1.4439% | 1,055 |
| Return on assets (ROA) | 1.4436% | 1,131 |
| Pretax return on assets | 1.4436% | 1,832 |
| Return on Equity (ROE) | 13.8554% | 1,193 |
| Retained earnings to average equity (ytd only) | 7.9280% | 1,842 |
| Net charge-offs to loans | 0.1406% | 3,834 |
| Credit loss provision to net charge-offs | 253.1646% | 1,855 |
| Earnings coverage of net charge-offs (x) | 22.2616% | 1,315 |
| Efficiency ratio | 63.1916% | 5,833 |
| Assets per employee ($millions) | 3.4675% | 4,899 |
| Cash dividends to net income (ytd only)* | 42.7807% | 1,994 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6800% | 2,210 |
| Loan loss allowance to noncurrent loans | 293.7532% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 6,512 |
| Noncurrent loans to loans | 0.5719% | 5,979 |
| Net loans and leases to total assets | 51.9179% | 6,691 |
| Net loans and leases to deposits | 61.2630% | 6,787 |
| Net loans and leases to core deposits | 75.1054% | 6,739 |
| Total domestic deposits to total assets | 84.7458% | 3,330 |
| Equity capital to assets | 10.6796% | 3,308 |
| Core capital (leverage) ratio | 7.6167% | 7,003 |
| Tier 1 risk-based capital ratio | 12.2791% | 4,719 |
| Total risk-based capital ratio | 13.5171% | 4,644 |
| Memoranda: |
| Average total assets | $1,295,362,000 | 546 |
| Average earning assets | $1,167,176,500 | 555 |
| Average equity | $134,965,000 | 512 |
| Average total loans | $674,080,500 | 739 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0544% | 5,275 |
| Cost of funding earning assets | 2.1956% | 5,620 |
| Net interest margin | 3.8588% | 3,752 |
| Noninterest income to average assets | 1.1409% | 1,191 |
| Noninterest expense to average assets | 2.8260% | 4,711 |
| Loan and lease loss provision to assets | 0.1767% | 5,133 |
| Net operating income to assets | 1.5946% | 843 |
| Return on assets (ROA) | 1.6123% | 776 |
| Pretax return on assets | 1.6123% | 1,349 |
| Return on Equity (ROE) | 16.1782% | 745 |
| Retained earnings to average equity (ytd only) | 9.0451% | 599 |
| Net charge-offs to loans | 0.0855% | 5,534 |
| Credit loss provision to net charge-offs | 408.3969% | 1,071 |
| Earnings coverage of net charge-offs (x) | 40.9408% | 903 |
| Efficiency ratio | 60.9932% | 6,165 |
| Assets per employee ($millions) | 3.3523% | 5,087 |
| Cash dividends to net income (ytd only)* | 44.0905% | 3,455 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6693% | 2,003 |
| Loan loss allowance to noncurrent loans | 233.3754% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 6,037 |
| Noncurrent loans to loans | 0.7153% | 5,246 |
| Net loans and leases to total assets | 50.4175% | 6,989 |
| Net loans and leases to deposits | 58.7645% | 7,159 |
| Net loans and leases to core deposits | 71.1233% | 7,127 |
| Total domestic deposits to total assets | 85.7959% | 2,498 |
| Equity capital to assets | 10.1594% | 3,858 |
| Core capital (leverage) ratio | 7.6963% | 6,941 |
| Tier 1 risk-based capital ratio | 12.0333% | 4,798 |
| Total risk-based capital ratio | 13.2741% | 4,684 |
| Memoranda: |
| Average total assets | $1,211,164,200 | 553 |
| Average earning assets | $1,084,852,800 | 563 |
| Average equity | $120,705,800 | 562 |
| Average total loans | $612,603,000 | 779 |
