| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0305% | 2,016 |
| Cost of funding earning assets | 1.9464% | 996 |
| Net interest margin | 3.0841% | 3,128 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.3605% | 2,698 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7882% | 2,906 |
| Return on assets (ROA) | 0.6751% | 3,234 |
| Pretax return on assets | 0.8580% | 3,076 |
| Return on Equity (ROE) | 6.5700% | 3,399 |
| Retained earnings to average equity (ytd only) | 6.5733% | 2,031 |
| Net charge-offs to loans | 0.0203% | 1,937 |
| Credit loss provision to net charge-offs | 554.5052% | 625 |
| Earnings coverage of net charge-offs (x) | 74.7267% | 1,067 |
| Efficiency ratio | 67.2982% | 2,193 |
| Assets per employee ($millions) | 8.3417% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0167% | 3,223 |
| Loan loss allowance to noncurrent loans | 432.8601% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 2,339 |
| Noncurrent loans to loans | 0.2349% | 2,372 |
| Net loans and leases to total assets | 70.8000% | 1,724 |
| Net loans and leases to deposits | 79.9366% | 2,113 |
| Net loans and leases to core deposits | 84.6798% | 2,407 |
| Total domestic deposits to total assets | 88.5800% | 1,186 |
| Equity capital to assets | 10.4044% | 1,779 |
| Core capital (leverage) ratio | 9.1769% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0162% | 2,580 |
| Memoranda: |
| Average total assets | $4,750,432,600 | 284 |
| Average earning assets | $4,334,411,000 | 279 |
| Average equity | $487,854,600 | 272 |
| Average total loans | $3,341,975,200 | 272 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9557% | 1,934 |
| Cost of funding earning assets | 1.8347% | 953 |
| Net interest margin | 3.1210% | 3,105 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.3328% | 2,699 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8675% | 2,808 |
| Return on assets (ROA) | 0.7142% | 3,266 |
| Pretax return on assets | 0.8897% | 3,126 |
| Return on Equity (ROE) | 6.9800% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.9780% | 2,293 |
| Net charge-offs to loans | 0.0223% | 1,646 |
| Credit loss provision to net charge-offs | 405.9459% | 716 |
| Earnings coverage of net charge-offs (x) | 71.7856% | 1,099 |
| Efficiency ratio | 65.9000% | 2,291 |
| Assets per employee ($millions) | 8.0237% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9961% | 3,394 |
| Loan loss allowance to noncurrent loans | 809.2001% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 2,796 |
| Noncurrent loans to loans | 0.1231% | 2,941 |
| Net loans and leases to total assets | 69.8900% | 1,841 |
| Net loans and leases to deposits | 78.7145% | 2,171 |
| Net loans and leases to core deposits | 83.6027% | 2,352 |
| Total domestic deposits to total assets | 88.7900% | 1,320 |
| Equity capital to assets | 10.1565% | 1,732 |
| Core capital (leverage) ratio | 8.9967% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8679% | 2,650 |
| Memoranda: |
| Average total assets | $4,732,667,000 | 286 |
| Average earning assets | $4,319,477,500 | 282 |
| Average equity | $484,405,750 | 272 |
| Average total loans | $3,315,249,000 | 274 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9503% | 1,326 |
| Cost of funding earning assets | 1.5217% | 806 |
| Net interest margin | 3.4286% | 2,559 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.3287% | 2,734 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0447% | 2,403 |
| Return on assets (ROA) | 1.0447% | 2,369 |
| Pretax return on assets | 1.3480% | 2,025 |
| Return on Equity (ROE) | 10.1900% | 2,730 |
| Retained earnings to average equity (ytd only) | 10.1902% | 1,651 |
| Net charge-offs to loans | 0.0319% | 1,078 |
| Credit loss provision to net charge-offs | 210.7280% | 806 |
| Earnings coverage of net charge-offs (x) | 62.8008% | 997 |
| Efficiency ratio | 61.0339% | 2,818 |
| Assets per employee ($millions) | 8.1396% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9826% | 3,584 |
| Loan loss allowance to noncurrent loans | 994.0868% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 2,798 |
| Noncurrent loans to loans | 0.0988% | 3,049 |
| Net loans and leases to total assets | 68.2000% | 1,813 |
| Net loans and leases to deposits | 76.8046% | 2,055 |
| Net loans and leases to core deposits | 80.7876% | 2,194 |
| Total domestic deposits to total assets | 88.7900% | 1,618 |
| Equity capital to assets | 10.2388% | 1,701 |
| Core capital (leverage) ratio | 8.8666% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8474% | 2,772 |
| Memoranda: |
| Average total assets | $4,700,576,500 | 287 |
| Average earning assets | $4,296,923,500 | 285 |
| Average equity | $481,912,500 | 271 |
| Average total loans | $3,270,244,500 | 276 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7006% | 2,522 |
| Cost of funding earning assets | 0.4280% | 1,878 |
| Net interest margin | 3.2726% | 2,641 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.2342% | 2,933 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9804% | 2,637 |
| Return on assets (ROA) | 0.9828% | 2,582 |
| Pretax return on assets | 1.2508% | 2,277 |
| Return on Equity (ROE) | 10.0100% | 2,799 |
| Retained earnings to average equity (ytd only) | 10.0130% | 1,144 |
| Net charge-offs to loans | 0.0012% | 2,526 |
| Credit loss provision to net charge-offs | 11,161.1111% | 63 |
| Earnings coverage of net charge-offs (x) | 1,743.3889% | 95 |
| Efficiency ratio | 61.0788% | 2,897 |
| Assets per employee ($millions) | 7.8899% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7168% | 4,188 |
| Loan loss allowance to noncurrent loans | 790.7150% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 2,882 |
| Noncurrent loans to loans | 0.0906% | 3,108 |
| Net loans and leases to total assets | 69.7900% | 1,658 |
| Net loans and leases to deposits | 79.1037% | 1,834 |
| Net loans and leases to core deposits | 82.6691% | 1,955 |
| Total domestic deposits to total assets | 88.2200% | 2,007 |
| Equity capital to assets | 10.2660% | 1,575 |
| Core capital (leverage) ratio | 8.9008% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4434% | 2,876 |
| Memoranda: |
| Average total assets | $4,708,199,800 | 281 |
| Average earning assets | $4,292,105,000 | 279 |
| Average equity | $462,130,600 | 277 |
| Average total loans | $2,972,687,800 | 283 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4506% | 2,775 |
| Cost of funding earning assets | 0.2948% | 2,229 |
| Net interest margin | 3.1558% | 2,758 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.2008% | 2,931 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9080% | 2,835 |
| Return on assets (ROA) | 0.9080% | 2,813 |
| Pretax return on assets | 1.1636% | 2,509 |
| Return on Equity (ROE) | 9.3600% | 2,918 |
| Retained earnings to average equity (ytd only) | 9.3564% | 1,536 |
| Net charge-offs to loans | -0.0086% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.1236% | 2,814 |
| Assets per employee ($millions) | 8.3279% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7340% | 4,204 |
| Loan loss allowance to noncurrent loans | 584.8703% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 2,901 |
| Noncurrent loans to loans | 0.1255% | 3,013 |
| Net loans and leases to total assets | 64.1900% | 2,066 |
| Net loans and leases to deposits | 71.7501% | 2,229 |
| Net loans and leases to core deposits | 74.8107% | 2,289 |
| Total domestic deposits to total assets | 89.4600% | 1,887 |
| Equity capital to assets | 9.4976% | 1,885 |
| Core capital (leverage) ratio | 8.2684% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4138% | 2,967 |
| Memoranda: |
| Average total assets | $4,727,407,750 | 283 |
| Average earning assets | $4,309,120,000 | 278 |
| Average equity | $458,799,250 | 283 |
| Average total loans | $2,902,015,000 | 284 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2313% | 2,950 |
| Cost of funding earning assets | 0.2175% | 2,668 |
| Net interest margin | 3.0138% | 2,837 |
| Noninterest income to average assets | 0.6071% | 1,712 |
| Noninterest expense to average assets | 2.1704% | 2,943 |
| Loan and lease loss provision to assets | 0.0959% | 1,036 |
| Net operating income to assets | 0.8470% | 2,790 |
| Return on assets (ROA) | 0.8470% | 2,767 |
| Pretax return on assets | 1.0857% | 2,455 |
| Return on Equity (ROE) | 8.6646% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.6646% | 1,382 |
| Net charge-offs to loans | -0.0233% | 3,946 |
| Credit loss provision to net charge-offs | -683.6364% | 3,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1373% | 2,895 |
| Assets per employee ($millions) | 8.4445% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7323% | 4,282 |
| Loan loss allowance to noncurrent loans | 635.1477% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1058% | 2,969 |
| Noncurrent loans to loans | 0.1153% | 3,162 |
| Net loans and leases to total assets | 62.1097% | 2,117 |
| Net loans and leases to deposits | 69.3283% | 2,273 |
| Net loans and leases to core deposits | 72.3692% | 2,300 |
| Total domestic deposits to total assets | 89.5877% | 1,902 |
| Equity capital to assets | 9.5947% | 1,945 |
| Core capital (leverage) ratio | 8.3262% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7162% | 2,879 |
| Memoranda: |
| Average total assets | $4,704,249,333 | 282 |
| Average earning assets | $4,284,628,667 | 281 |
| Average equity | $459,870,000 | 283 |
| Average total loans | $2,835,400,667 | 286 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1066% | 2,964 |
| Cost of funding earning assets | 0.1991% | 2,815 |
| Net interest margin | 2.9076% | 2,814 |
| Noninterest income to average assets | 0.6049% | 1,670 |
| Noninterest expense to average assets | 2.1748% | 2,908 |
| Loan and lease loss provision to assets | 0.0863% | 963 |
| Net operating income to assets | 0.7941% | 2,681 |
| Return on assets (ROA) | 0.7941% | 2,676 |
| Pretax return on assets | 0.9868% | 2,477 |
| Return on Equity (ROE) | 8.0468% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.0468% | 1,571 |
| Net charge-offs to loans | 0.0407% | 876 |
| Credit loss provision to net charge-offs | 359.2857% | 615 |
| Earnings coverage of net charge-offs (x) | 44.6714% | 964 |
| Efficiency ratio | 65.2772% | 2,861 |
| Assets per employee ($millions) | 8.4259% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7140% | 4,363 |
| Loan loss allowance to noncurrent loans | 596.1401% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 3,070 |
| Noncurrent loans to loans | 0.1198% | 3,225 |
| Net loans and leases to total assets | 59.1680% | 2,166 |
| Net loans and leases to deposits | 66.4522% | 2,301 |
| Net loans and leases to core deposits | 69.6995% | 2,316 |
| Total domestic deposits to total assets | 89.0385% | 2,064 |
| Equity capital to assets | 9.6943% | 2,140 |
| Core capital (leverage) ratio | 8.2412% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0762% | 2,875 |
| Memoranda: |
| Average total assets | $4,662,348,500 | 285 |
| Average earning assets | $4,238,030,000 | 284 |
| Average equity | $460,106,000 | 289 |
| Average total loans | $2,755,210,500 | 291 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5316% | 2,571 |
| Cost of funding earning assets | 0.2630% | 2,772 |
| Net interest margin | 3.2686% | 2,415 |
| Noninterest income to average assets | 0.6090% | 2,113 |
| Noninterest expense to average assets | 2.3119% | 2,763 |
| Loan and lease loss provision to assets | 0.0419% | 2,215 |
| Net operating income to assets | 0.9616% | 2,831 |
| Return on assets (ROA) | 0.9625% | 2,893 |
| Pretax return on assets | 1.2297% | 2,572 |
| Return on Equity (ROE) | 8.9791% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.9791% | 1,212 |
| Net charge-offs to loans | 0.0247% | 1,752 |
| Credit loss provision to net charge-offs | 260.4466% | 1,145 |
| Earnings coverage of net charge-offs (x) | 78.9872% | 1,005 |
| Efficiency ratio | 62.9203% | 2,726 |
| Assets per employee ($millions) | 8.3902% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7171% | 4,397 |
| Loan loss allowance to noncurrent loans | 376.1322% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.1503% | 2,891 |
| Noncurrent loans to loans | 0.1907% | 2,993 |
| Net loans and leases to total assets | 58.1640% | 2,360 |
| Net loans and leases to deposits | 66.4002% | 2,476 |
| Net loans and leases to core deposits | 69.9241% | 2,450 |
| Total domestic deposits to total assets | 87.5961% | 2,239 |
| Equity capital to assets | 10.0471% | 2,615 |
| Core capital (leverage) ratio | 8.2279% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2918% | 2,821 |
| Memoranda: |
| Average total assets | $3,898,240,000 | 307 |
| Average earning assets | $3,546,087,400 | 309 |
| Average equity | $417,868,200 | 307 |
| Average total loans | $2,543,239,400 | 299 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6370% | 2,457 |
| Cost of funding earning assets | 0.2790% | 2,813 |
| Net interest margin | 3.3581% | 2,274 |
| Noninterest income to average assets | 0.6062% | 2,197 |
| Noninterest expense to average assets | 2.2404% | 2,926 |
| Loan and lease loss provision to assets | 0.0434% | 2,126 |
| Net operating income to assets | 1.0875% | 2,603 |
| Return on assets (ROA) | 1.0888% | 2,653 |
| Pretax return on assets | 1.3826% | 2,395 |
| Return on Equity (ROE) | 9.9637% | 2,744 |
| Retained earnings to average equity (ytd only) | 9.9637% | 1,322 |
| Net charge-offs to loans | 0.0139% | 1,811 |
| Credit loss provision to net charge-offs | 462.2137% | 797 |
| Earnings coverage of net charge-offs (x) | 151.7328% | 676 |
| Efficiency ratio | 59.5720% | 3,054 |
| Assets per employee ($millions) | 8.1007% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7264% | 4,460 |
| Loan loss allowance to noncurrent loans | 481.6525% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 3,133 |
| Noncurrent loans to loans | 0.1508% | 3,364 |
| Net loans and leases to total assets | 60.1664% | 2,237 |
| Net loans and leases to deposits | 69.0975% | 2,323 |
| Net loans and leases to core deposits | 72.8195% | 2,337 |
| Total domestic deposits to total assets | 87.0747% | 2,328 |
| Equity capital to assets | 10.4188% | 2,517 |
| Core capital (leverage) ratio | 9.2031% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5884% | 2,832 |
| Memoranda: |
| Average total assets | $3,721,250,500 | 317 |
| Average earning assets | $3,389,280,500 | 318 |
| Average equity | $406,638,250 | 314 |
| Average total loans | $2,504,424,000 | 300 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7082% | 2,307 |
| Cost of funding earning assets | 0.3022% | 2,758 |
| Net interest margin | 3.4060% | 2,124 |
| Noninterest income to average assets | 0.6092% | 2,174 |
| Noninterest expense to average assets | 2.2586% | 2,890 |
| Loan and lease loss provision to assets | 0.0035% | 2,809 |
| Net operating income to assets | 1.1835% | 2,246 |
| Return on assets (ROA) | 1.1835% | 2,313 |
| Pretax return on assets | 1.4505% | 2,175 |
| Return on Equity (ROE) | 10.6246% | 2,553 |
| Retained earnings to average equity (ytd only) | 10.6246% | 1,210 |
| Net charge-offs to loans | 0.0080% | 1,843 |
| Credit loss provision to net charge-offs | 63.2653% | 1,545 |
| Earnings coverage of net charge-offs (x) | 259.7143% | 423 |
| Efficiency ratio | 59.4719% | 3,086 |
| Assets per employee ($millions) | 7.6593% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7405% | 4,468 |
| Loan loss allowance to noncurrent loans | 432.8605% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 3,036 |
| Noncurrent loans to loans | 0.1711% | 3,360 |
| Net loans and leases to total assets | 67.3192% | 1,539 |
| Net loans and leases to deposits | 77.8924% | 1,639 |
| Net loans and leases to core deposits | 82.3069% | 1,698 |
| Total domestic deposits to total assets | 86.4258% | 2,581 |
| Equity capital to assets | 10.8611% | 2,101 |
| Core capital (leverage) ratio | 8.7528% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1865% | 2,923 |
| Memoranda: |
| Average total assets | $3,500,838,333 | 332 |
| Average earning assets | $3,189,886,667 | 333 |
| Average equity | $389,983,333 | 322 |
| Average total loans | $2,453,871,667 | 309 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7463% | 2,248 |
| Cost of funding earning assets | 0.3131% | 2,862 |
| Net interest margin | 3.4332% | 2,013 |
| Noninterest income to average assets | 0.6463% | 2,041 |
| Noninterest expense to average assets | 2.2247% | 3,028 |
| Loan and lease loss provision to assets | 0.0078% | 2,668 |
| Net operating income to assets | 1.2115% | 2,098 |
| Return on assets (ROA) | 1.2115% | 2,186 |
| Pretax return on assets | 1.5456% | 1,866 |
| Return on Equity (ROE) | 10.7332% | 2,445 |
| Retained earnings to average equity (ytd only) | 10.7332% | 1,464 |
| Net charge-offs to loans | 0.0070% | 1,646 |
| Credit loss provision to net charge-offs | 155.8140% | 972 |
| Earnings coverage of net charge-offs (x) | 309.6279% | 286 |
| Efficiency ratio | 57.5134% | 3,368 |
| Assets per employee ($millions) | 7.4166% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7363% | 4,507 |
| Loan loss allowance to noncurrent loans | 280.2013% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 2,666 |
| Noncurrent loans to loans | 0.2628% | 3,166 |
| Net loans and leases to total assets | 69.7138% | 1,329 |
| Net loans and leases to deposits | 81.0332% | 1,419 |
| Net loans and leases to core deposits | 85.8569% | 1,533 |
| Total domestic deposits to total assets | 86.0312% | 2,729 |
| Equity capital to assets | 10.9563% | 1,895 |
| Core capital (leverage) ratio | 9.3259% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0506% | 2,647 |
| Memoranda: |
| Average total assets | $3,428,342,500 | 338 |
| Average earning assets | $3,127,427,000 | 337 |
| Average equity | $386,986,000 | 322 |
| Average total loans | $2,444,481,500 | 310 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2320% | 2,046 |
| Cost of funding earning assets | 0.5186% | 2,821 |
| Net interest margin | 3.7134% | 1,751 |
| Noninterest income to average assets | 0.4985% | 2,642 |
| Noninterest expense to average assets | 2.4513% | 2,989 |
| Loan and lease loss provision to assets | 0.2841% | 1,338 |
| Net operating income to assets | 0.8959% | 2,716 |
| Return on assets (ROA) | 0.8961% | 2,850 |
| Pretax return on assets | 1.1404% | 2,547 |
| Return on Equity (ROE) | 7.4531% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.4531% | 1,212 |
| Net charge-offs to loans | 0.0257% | 2,521 |
| Credit loss provision to net charge-offs | 1,497.0690% | 565 |
| Earnings coverage of net charge-offs (x) | 75.0431% | 933 |
| Efficiency ratio | 61.7798% | 3,176 |
| Assets per employee ($millions) | 7.0300% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7663% | 4,485 |
| Loan loss allowance to noncurrent loans | 272.8435% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 2,619 |
| Noncurrent loans to loans | 0.2809% | 3,195 |
| Net loans and leases to total assets | 71.8987% | 1,300 |
| Net loans and leases to deposits | 84.4168% | 1,414 |
| Net loans and leases to core deposits | 91.3530% | 1,434 |
| Total domestic deposits to total assets | 85.1711% | 2,693 |
| Equity capital to assets | 11.6443% | 1,774 |
| Core capital (leverage) ratio | 9.5804% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5684% | 2,414 |
| Memoranda: |
| Average total assets | $3,055,821,800 | 334 |
| Average earning assets | $2,779,102,600 | 333 |
| Average equity | $367,403,400 | 315 |
| Average total loans | $2,254,493,600 | 317 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3064% | 2,078 |
| Cost of funding earning assets | 0.5734% | 2,782 |
| Net interest margin | 3.7330% | 1,825 |
| Noninterest income to average assets | 0.4588% | 2,801 |
| Noninterest expense to average assets | 2.4605% | 2,961 |
| Loan and lease loss provision to assets | 0.3867% | 941 |
| Net operating income to assets | 0.7842% | 3,156 |
| Return on assets (ROA) | 0.7845% | 3,267 |
| Pretax return on assets | 1.0016% | 3,067 |
| Return on Equity (ROE) | 6.4684% | 3,384 |
| Retained earnings to average equity (ytd only) | 6.4684% | 1,896 |
| Net charge-offs to loans | 0.0065% | 2,894 |
| Credit loss provision to net charge-offs | 7,966.0550% | 150 |
| Earnings coverage of net charge-offs (x) | 285.9266% | 376 |
| Efficiency ratio | 62.5809% | 2,980 |
| Assets per employee ($millions) | 7.3006% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7791% | 4,412 |
| Loan loss allowance to noncurrent loans | 579.8767% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 3,385 |
| Noncurrent loans to loans | 0.1343% | 3,842 |
| Net loans and leases to total assets | 70.7466% | 1,851 |
| Net loans and leases to deposits | 90.0803% | 1,255 |
| Net loans and leases to core deposits | 98.2487% | 1,292 |
| Total domestic deposits to total assets | 78.5372% | 4,124 |
| Equity capital to assets | 11.1790% | 2,253 |
| Core capital (leverage) ratio | 9.7398% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3692% | 2,471 |
| Memoranda: |
| Average total assets | $2,993,747,000 | 333 |
| Average earning assets | $2,718,442,250 | 330 |
| Average equity | $363,068,500 | 314 |
| Average total loans | $2,219,625,750 | 317 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4659% | 2,015 |
| Cost of funding earning assets | 0.6520% | 2,684 |
| Net interest margin | 3.8140% | 1,800 |
| Noninterest income to average assets | 0.4355% | 2,878 |
| Noninterest expense to average assets | 2.5459% | 2,837 |
| Loan and lease loss provision to assets | 0.4227% | 934 |
| Net operating income to assets | 0.7375% | 3,250 |
| Return on assets (ROA) | 0.7384% | 3,370 |
| Pretax return on assets | 0.9254% | 3,242 |
| Return on Equity (ROE) | 5.9062% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.9062% | 2,121 |
| Net charge-offs to loans | 0.0036% | 2,854 |
| Credit loss provision to net charge-offs | 15,512.8205% | 78 |
| Earnings coverage of net charge-offs (x) | 494.3333% | 206 |
| Efficiency ratio | 64.0218% | 2,821 |
| Assets per employee ($millions) | 6.8755% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6732% | 4,623 |
| Loan loss allowance to noncurrent loans | 341.8297% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,054 |
| Noncurrent loans to loans | 0.1969% | 3,672 |
| Net loans and leases to total assets | 73.4369% | 1,488 |
| Net loans and leases to deposits | 94.0148% | 965 |
| Net loans and leases to core deposits | 106.6091% | 869 |
| Total domestic deposits to total assets | 78.1121% | 4,177 |
| Equity capital to assets | 11.4052% | 2,039 |
| Core capital (leverage) ratio | 9.8194% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8243% | 2,680 |
| Memoranda: |
| Average total assets | $2,862,499,667 | 336 |
| Average earning assets | $2,594,890,667 | 338 |
| Average equity | $357,862,667 | 318 |
| Average total loans | $2,154,384,667 | 320 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6429% | 1,877 |
| Cost of funding earning assets | 0.8033% | 2,375 |
| Net interest margin | 3.8396% | 1,849 |
| Noninterest income to average assets | 0.4215% | 2,961 |
| Noninterest expense to average assets | 2.7255% | 2,643 |
| Loan and lease loss provision to assets | 0.4809% | 617 |
| Net operating income to assets | 0.5486% | 3,748 |
| Return on assets (ROA) | 0.5486% | 3,810 |
| Pretax return on assets | 0.6959% | 3,694 |
| Return on Equity (ROE) | 4.1637% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.1637% | 2,619 |
| Net charge-offs to loans | 0.0022% | 2,514 |
| Credit loss provision to net charge-offs | 29,081.8182% | 17 |
| Earnings coverage of net charge-offs (x) | 711.6364% | 87 |
| Efficiency ratio | 68.4490% | 2,594 |
| Assets per employee ($millions) | 5.9474% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6261% | 4,723 |
| Loan loss allowance to noncurrent loans | 284.0736% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 2,963 |
| Noncurrent loans to loans | 0.2204% | 3,694 |
| Net loans and leases to total assets | 74.2138% | 1,570 |
| Net loans and leases to deposits | 90.5763% | 1,444 |
| Net loans and leases to core deposits | 109.2510% | 887 |
| Total domestic deposits to total assets | 81.9352% | 3,442 |
| Equity capital to assets | 12.6578% | 1,640 |
| Core capital (leverage) ratio | 11.4228% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6196% | 2,880 |
| Memoranda: |
| Average total assets | $2,660,810,500 | 349 |
| Average earning assets | $2,412,129,500 | 352 |
| Average equity | $350,554,500 | 320 |
| Average total loans | $2,024,270,000 | 329 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0718% | 1,284 |
| Cost of funding earning assets | 1.0375% | 1,568 |
| Net interest margin | 4.0343% | 1,733 |
| Noninterest income to average assets | 0.3632% | 3,529 |
| Noninterest expense to average assets | 2.5438% | 3,338 |
| Loan and lease loss provision to assets | 0.1095% | 1,900 |
| Net operating income to assets | 1.0790% | 2,527 |
| Return on assets (ROA) | 1.0801% | 2,624 |
| Pretax return on assets | 1.3544% | 2,316 |
| Return on Equity (ROE) | 7.9382% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.9382% | 999 |
| Net charge-offs to loans | 0.0342% | 2,702 |
| Credit loss provision to net charge-offs | 411.8859% | 694 |
| Earnings coverage of net charge-offs (x) | 55.0016% | 1,043 |
| Efficiency ratio | 62.0573% | 3,373 |
| Assets per employee ($millions) | 6.1379% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5382% | 4,842 |
| Loan loss allowance to noncurrent loans | 262.4391% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 3,517 |
| Noncurrent loans to loans | 0.2051% | 3,723 |
| Net loans and leases to total assets | 77.2961% | 1,206 |
| Net loans and leases to deposits | 91.8253% | 1,389 |
| Net loans and leases to core deposits | 113.1703% | 706 |
| Total domestic deposits to total assets | 84.1774% | 2,797 |
| Equity capital to assets | 13.7811% | 1,174 |
| Core capital (leverage) ratio | 11.4115% | 2,182 |
| Tier 1 risk-based capital ratio | 12.8146% | 3,887 |
| Total risk-based capital ratio | 13.3134% | 4,202 |
| Memoranda: |
| Average total assets | $2,373,162,200 | 363 |
| Average earning assets | $2,143,039,400 | 364 |
| Average equity | $322,906,400 | 328 |
| Average total loans | $1,845,151,000 | 347 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1234% | 1,232 |
| Cost of funding earning assets | 1.0607% | 1,500 |
| Net interest margin | 4.0627% | 1,722 |
| Noninterest income to average assets | 0.3340% | 3,742 |
| Noninterest expense to average assets | 2.5335% | 3,337 |
| Loan and lease loss provision to assets | 0.1084% | 1,793 |
| Net operating income to assets | 1.0264% | 2,880 |
| Return on assets (ROA) | 1.0279% | 2,948 |
| Pretax return on assets | 1.3582% | 2,468 |
| Return on Equity (ROE) | 7.5799% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.5799% | 1,585 |
| Net charge-offs to loans | 0.0289% | 2,514 |
| Credit loss provision to net charge-offs | 482.1159% | 649 |
| Earnings coverage of net charge-offs (x) | 65.1436% | 1,006 |
| Efficiency ratio | 61.9109% | 3,340 |
| Assets per employee ($millions) | 6.0578% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5242% | 4,938 |
| Loan loss allowance to noncurrent loans | 308.7011% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,775 |
| Noncurrent loans to loans | 0.1698% | 3,931 |
| Net loans and leases to total assets | 77.6544% | 1,197 |
| Net loans and leases to deposits | 92.0475% | 1,433 |
| Net loans and leases to core deposits | 111.4967% | 870 |
| Total domestic deposits to total assets | 84.3634% | 2,691 |
| Equity capital to assets | 13.7691% | 1,247 |
| Core capital (leverage) ratio | 11.2226% | 2,447 |
| Tier 1 risk-based capital ratio | 12.7058% | 4,030 |
| Total risk-based capital ratio | 13.1931% | 4,332 |
| Memoranda: |
| Average total assets | $2,354,195,500 | 366 |
| Average earning assets | $2,123,269,750 | 368 |
| Average equity | $319,257,250 | 333 |
| Average total loans | $1,830,626,750 | 352 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1535% | 1,094 |
| Cost of funding earning assets | 1.0710% | 1,417 |
| Net interest margin | 4.0825% | 1,660 |
| Noninterest income to average assets | 0.3139% | 3,831 |
| Noninterest expense to average assets | 2.6055% | 3,188 |
| Loan and lease loss provision to assets | 0.1017% | 1,841 |
| Net operating income to assets | 0.9703% | 3,026 |
| Return on assets (ROA) | 0.9725% | 3,090 |
| Pretax return on assets | 1.2805% | 2,633 |
| Return on Equity (ROE) | 7.2090% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.2090% | 1,723 |
| Net charge-offs to loans | 0.0406% | 2,082 |
| Credit loss provision to net charge-offs | 322.4932% | 852 |
| Earnings coverage of net charge-offs (x) | 43.7588% | 1,193 |
| Efficiency ratio | 63.9149% | 3,143 |
| Assets per employee ($millions) | 6.2276% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4952% | 5,026 |
| Loan loss allowance to noncurrent loans | 320.5426% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 3,797 |
| Noncurrent loans to loans | 0.1545% | 3,990 |
| Net loans and leases to total assets | 76.4322% | 1,484 |
| Net loans and leases to deposits | 90.0076% | 1,738 |
| Net loans and leases to core deposits | 109.9389% | 980 |
| Total domestic deposits to total assets | 84.9174% | 2,513 |
| Equity capital to assets | 13.4764% | 1,332 |
| Core capital (leverage) ratio | 10.9246% | 2,667 |
| Tier 1 risk-based capital ratio | 12.3702% | 4,205 |
| Total risk-based capital ratio | 12.8244% | 4,541 |
| Memoranda: |
| Average total assets | $2,341,320,330 | 367 |
| Average earning assets | $2,105,205,670 | 373 |
| Average equity | $315,853,000 | 336 |
| Average total loans | $1,818,194,670 | 354 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1036% | 1,088 |
| Cost of funding earning assets | 1.0315% | 1,444 |
| Net interest margin | 4.0721% | 1,633 |
| Noninterest income to average assets | 0.3576% | 3,460 |
| Noninterest expense to average assets | 2.5184% | 3,448 |
| Loan and lease loss provision to assets | 0.1376% | 1,260 |
| Net operating income to assets | 1.0301% | 2,745 |
| Return on assets (ROA) | 1.0301% | 2,784 |
| Pretax return on assets | 1.3572% | 2,242 |
| Return on Equity (ROE) | 7.6317% | 3,409 |
| Retained earnings to average equity (ytd only) | 7.6317% | 1,795 |
| Net charge-offs to loans | 0.0814% | 1,275 |
| Credit loss provision to net charge-offs | 216.5761% | 1,002 |
| Earnings coverage of net charge-offs (x) | 23.5217% | 1,467 |
| Efficiency ratio | 61.2720% | 3,640 |
| Assets per employee ($millions) | 6.0980% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4729% | 5,109 |
| Loan loss allowance to noncurrent loans | 381.4198% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 3,890 |
| Noncurrent loans to loans | 0.1240% | 4,184 |
| Net loans and leases to total assets | 77.8217% | 1,190 |
| Net loans and leases to deposits | 91.1944% | 1,492 |
| Net loans and leases to core deposits | 112.8523% | 792 |
| Total domestic deposits to total assets | 85.3361% | 2,553 |
| Equity capital to assets | 13.4614% | 1,222 |
| Core capital (leverage) ratio | 10.9561% | 2,611 |
| Tier 1 risk-based capital ratio | 12.1840% | 4,359 |
| Total risk-based capital ratio | 12.6224% | 4,708 |
| Memoranda: |
| Average total assets | $2,316,278,500 | 373 |
| Average earning assets | $2,079,333,500 | 382 |
| Average equity | $312,641,500 | 337 |
| Average total loans | $1,808,842,500 | 357 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1672% | 740 |
| Cost of funding earning assets | 0.8276% | 1,409 |
| Net interest margin | 4.3396% | 1,067 |
| Noninterest income to average assets | 0.3433% | 3,817 |
| Noninterest expense to average assets | 2.7983% | 2,700 |
| Loan and lease loss provision to assets | 0.1493% | 1,421 |
| Net operating income to assets | 1.1567% | 2,354 |
| Return on assets (ROA) | 1.1566% | 2,356 |
| Pretax return on assets | 1.2787% | 2,586 |
| Return on Equity (ROE) | 9.3596% | 2,809 |
| Retained earnings to average equity (ytd only) | 9.3596% | 765 |
| Net charge-offs to loans | 0.0341% | 2,718 |
| Credit loss provision to net charge-offs | 563.5317% | 623 |
| Earnings coverage of net charge-offs (x) | 53.8925% | 1,092 |
| Efficiency ratio | 65.0365% | 3,020 |
| Assets per employee ($millions) | 5.8881% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4656% | 5,163 |
| Loan loss allowance to noncurrent loans | 252.2866% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 3,573 |
| Noncurrent loans to loans | 0.1846% | 3,918 |
| Net loans and leases to total assets | 77.6273% | 1,334 |
| Net loans and leases to deposits | 91.1729% | 1,644 |
| Net loans and leases to core deposits | 113.7430% | 788 |
| Total domestic deposits to total assets | 85.1430% | 2,590 |
| Equity capital to assets | 13.5349% | 1,132 |
| Core capital (leverage) ratio | 11.1746% | 2,375 |
| Tier 1 risk-based capital ratio | 12.3126% | 4,232 |
| Total risk-based capital ratio | 12.7452% | 4,629 |
| Memoranda: |
| Average total assets | $1,966,162,400 | 419 |
| Average earning assets | $1,759,350,000 | 427 |
| Average equity | $242,970,800 | 393 |
| Average total loans | $1,527,129,200 | 400 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0984% | 758 |
| Cost of funding earning assets | 0.7747% | 1,449 |
| Net interest margin | 4.3237% | 1,063 |
| Noninterest income to average assets | 0.3503% | 3,791 |
| Noninterest expense to average assets | 2.8672% | 2,410 |
| Loan and lease loss provision to assets | 0.1135% | 1,789 |
| Net operating income to assets | 0.9531% | 3,295 |
| Return on assets (ROA) | 0.9530% | 3,308 |
| Pretax return on assets | 1.2360% | 2,867 |
| Return on Equity (ROE) | 7.9401% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.9401% | 1,683 |
| Net charge-offs to loans | 0.0283% | 2,530 |
| Credit loss provision to net charge-offs | 516.7203% | 683 |
| Earnings coverage of net charge-offs (x) | 61.4496% | 1,047 |
| Efficiency ratio | 66.8827% | 2,731 |
| Assets per employee ($millions) | 5.7119% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4514% | 5,239 |
| Loan loss allowance to noncurrent loans | 266.4185% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,323 |
| Noncurrent loans to loans | 0.1694% | 4,129 |
| Net loans and leases to total assets | 76.9583% | 1,513 |
| Net loans and leases to deposits | 91.1448% | 1,736 |
| Net loans and leases to core deposits | 112.9116% | 870 |
| Total domestic deposits to total assets | 84.4351% | 2,800 |
| Equity capital to assets | 13.0848% | 1,295 |
| Core capital (leverage) ratio | 10.5482% | 3,041 |
| Tier 1 risk-based capital ratio | 11.9852% | 4,512 |
| Total risk-based capital ratio | 12.4013% | 4,867 |
| Memoranda: |
| Average total assets | $1,888,025,500 | 431 |
| Average earning assets | $1,688,371,750 | 444 |
| Average equity | $226,608,000 | 408 |
| Average total loans | $1,464,617,250 | 406 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0846% | 683 |
| Cost of funding earning assets | 0.7058% | 1,588 |
| Net interest margin | 4.3788% | 890 |
| Noninterest income to average assets | 0.3807% | 3,617 |
| Noninterest expense to average assets | 2.9462% | 2,205 |
| Loan and lease loss provision to assets | 0.1423% | 1,365 |
| Net operating income to assets | 0.9405% | 3,270 |
| Return on assets (ROA) | 0.9404% | 3,277 |
| Pretax return on assets | 1.2171% | 2,884 |
| Return on Equity (ROE) | 8.1079% | 3,456 |
| Retained earnings to average equity (ytd only) | 8.1079% | 1,580 |
| Net charge-offs to loans | 0.0128% | 2,705 |
| Credit loss provision to net charge-offs | 1,434.0659% | 296 |
| Earnings coverage of net charge-offs (x) | 136.9890% | 558 |
| Efficiency ratio | 67.3683% | 2,750 |
| Assets per employee ($millions) | 5.6499% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4490% | 5,319 |
| Loan loss allowance to noncurrent loans | 320.8163% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 3,662 |
| Noncurrent loans to loans | 0.1400% | 4,272 |
| Net loans and leases to total assets | 76.0537% | 1,631 |
| Net loans and leases to deposits | 91.0489% | 1,703 |
| Net loans and leases to core deposits | 111.8848% | 894 |
| Total domestic deposits to total assets | 83.5306% | 3,243 |
| Equity capital to assets | 12.4651% | 1,554 |
| Core capital (leverage) ratio | 10.4251% | 3,107 |
| Tier 1 risk-based capital ratio | 11.4108% | 4,830 |
| Total risk-based capital ratio | 11.8267% | 5,138 |
| Memoranda: |
| Average total assets | $1,833,847,000 | 443 |
| Average earning assets | $1,643,801,670 | 455 |
| Average equity | $212,706,670 | 428 |
| Average total loans | $1,424,412,330 | 414 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9542% | 771 |
| Cost of funding earning assets | 0.6348% | 1,811 |
| Net interest margin | 4.3193% | 921 |
| Noninterest income to average assets | 0.3671% | 3,685 |
| Noninterest expense to average assets | 2.9752% | 2,125 |
| Loan and lease loss provision to assets | 0.1623% | 1,113 |
| Net operating income to assets | 0.9213% | 3,198 |
| Return on assets (ROA) | 0.9213% | 3,213 |
| Pretax return on assets | 1.1744% | 2,872 |
| Return on Equity (ROE) | 9.2362% | 2,794 |
| Retained earnings to average equity (ytd only) | 9.2362% | 1,383 |
| Net charge-offs to loans | 0.0214% | 2,074 |
| Credit loss provision to net charge-offs | 956.9444% | 359 |
| Earnings coverage of net charge-offs (x) | 78.8333% | 708 |
| Efficiency ratio | 67.9738% | 2,832 |
| Assets per employee ($millions) | 5.3513% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4713% | 5,364 |
| Loan loss allowance to noncurrent loans | 248.2560% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 3,614 |
| Noncurrent loans to loans | 0.1898% | 4,113 |
| Net loans and leases to total assets | 79.6274% | 989 |
| Net loans and leases to deposits | 90.8530% | 1,575 |
| Net loans and leases to core deposits | 118.3831% | 638 |
| Total domestic deposits to total assets | 87.6442% | 1,827 |
| Equity capital to assets | 9.9395% | 3,650 |
| Core capital (leverage) ratio | 9.9100% | 3,628 |
| Tier 1 risk-based capital ratio | 11.1238% | 5,070 |
| Total risk-based capital ratio | 11.5558% | 5,336 |
| Memoranda: |
| Average total assets | $1,698,555,500 | 484 |
| Average earning assets | $1,551,261,000 | 482 |
| Average equity | $169,420,000 | 514 |
| Average total loans | $1,348,889,500 | 432 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6343% | 1,349 |
| Cost of funding earning assets | 0.5096% | 2,254 |
| Net interest margin | 4.1247% | 1,365 |
| Noninterest income to average assets | 0.4478% | 3,326 |
| Noninterest expense to average assets | 2.9772% | 2,226 |
| Loan and lease loss provision to assets | 0.0646% | 2,928 |
| Net operating income to assets | 0.5812% | 4,096 |
| Return on assets (ROA) | 0.5888% | 4,095 |
| Pretax return on assets | 1.1696% | 2,897 |
| Return on Equity (ROE) | 5.6857% | 3,875 |
| Retained earnings to average equity (ytd only) | 5.6857% | 1,716 |
| Net charge-offs to loans | 0.0030% | 4,002 |
| Credit loss provision to net charge-offs | 2,796.4286% | 145 |
| Earnings coverage of net charge-offs (x) | 528.8571% | 165 |
| Efficiency ratio | 70.2127% | 2,514 |
| Assets per employee ($millions) | 4.8961% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4428% | 5,455 |
| Loan loss allowance to noncurrent loans | 179.0406% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3887% | 3,303 |
| Noncurrent loans to loans | 0.2473% | 3,907 |
| Net loans and leases to total assets | 78.4609% | 1,223 |
| Net loans and leases to deposits | 91.2300% | 1,624 |
| Net loans and leases to core deposits | 116.0258% | 722 |
| Total domestic deposits to total assets | 86.0035% | 2,434 |
| Equity capital to assets | 10.0100% | 3,695 |
| Core capital (leverage) ratio | 11.2590% | 2,119 |
| Tier 1 risk-based capital ratio | 10.8999% | 5,199 |
| Total risk-based capital ratio | 11.2935% | 5,462 |
| Memoranda: |
| Average total assets | $1,211,395,200 | 621 |
| Average earning assets | $1,101,869,600 | 623 |
| Average equity | $125,454,600 | 657 |
| Average total loans | $936,258,000 | 566 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5483% | 1,508 |
| Cost of funding earning assets | 0.5065% | 2,211 |
| Net interest margin | 4.0418% | 1,563 |
| Noninterest income to average assets | 0.4505% | 3,329 |
| Noninterest expense to average assets | 2.9970% | 2,116 |
| Loan and lease loss provision to assets | 0.0414% | 3,281 |
| Net operating income to assets | 0.7399% | 3,774 |
| Return on assets (ROA) | 0.7517% | 3,789 |
| Pretax return on assets | 1.1144% | 3,255 |
| Return on Equity (ROE) | 7.1664% | 3,559 |
| Retained earnings to average equity (ytd only) | 7.1664% | 1,604 |
| Net charge-offs to loans | 0.0083% | 3,433 |
| Credit loss provision to net charge-offs | 653.8462% | 504 |
| Earnings coverage of net charge-offs (x) | 179.6772% | 476 |
| Efficiency ratio | 71.9088% | 2,219 |
| Assets per employee ($millions) | 4.6180% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6187% | 5,290 |
| Loan loss allowance to noncurrent loans | 426.9992% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 3,562 |
| Noncurrent loans to loans | 0.1449% | 4,475 |
| Net loans and leases to total assets | 76.5716% | 1,488 |
| Net loans and leases to deposits | 89.0220% | 1,923 |
| Net loans and leases to core deposits | 107.3080% | 1,183 |
| Total domestic deposits to total assets | 86.0142% | 2,306 |
| Equity capital to assets | 10.7760% | 3,088 |
| Core capital (leverage) ratio | 10.5709% | 2,907 |
| Tier 1 risk-based capital ratio | 12.3043% | 4,431 |
| Total risk-based capital ratio | 12.8591% | 4,768 |
| Memoranda: |
| Average total assets | $1,094,405,500 | 681 |
| Average earning assets | $997,709,000 | 682 |
| Average equity | $114,792,500 | 714 |
| Average total loans | $839,448,250 | 627 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4355% | 1,714 |
| Cost of funding earning assets | 0.4851% | 2,289 |
| Net interest margin | 3.9503% | 1,775 |
| Noninterest income to average assets | 0.4654% | 3,249 |
| Noninterest expense to average assets | 2.8856% | 2,472 |
| Loan and lease loss provision to assets | 0.0573% | 2,829 |
| Net operating income to assets | 0.7689% | 3,552 |
| Return on assets (ROA) | 0.7689% | 3,601 |
| Pretax return on assets | 1.1315% | 3,045 |
| Return on Equity (ROE) | 7.4010% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.4010% | 1,394 |
| Net charge-offs to loans | -0.0200% | 4,781 |
| Credit loss provision to net charge-offs | -373.4940% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3048% | 2,621 |
| Assets per employee ($millions) | 4.7163% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6355% | 5,326 |
| Loan loss allowance to noncurrent loans | 493.5368% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 3,903 |
| Noncurrent loans to loans | 0.1288% | 4,608 |
| Net loans and leases to total assets | 75.3161% | 1,642 |
| Net loans and leases to deposits | 86.4259% | 2,174 |
| Net loans and leases to core deposits | 103.8429% | 1,363 |
| Total domestic deposits to total assets | 87.1453% | 1,884 |
| Equity capital to assets | 10.5129% | 3,324 |
| Core capital (leverage) ratio | 10.9761% | 2,438 |
| Tier 1 risk-based capital ratio | 12.3788% | 4,366 |
| Total risk-based capital ratio | 12.9580% | 4,713 |
| Memoranda: |
| Average total assets | $1,082,074,670 | 691 |
| Average earning assets | $988,580,330 | 692 |
| Average equity | $112,417,000 | 732 |
| Average total loans | $828,690,330 | 637 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4074% | 1,624 |
| Cost of funding earning assets | 0.4639% | 2,387 |
| Net interest margin | 3.9434% | 1,627 |
| Noninterest income to average assets | 0.4029% | 3,639 |
| Noninterest expense to average assets | 2.9189% | 2,401 |
| Loan and lease loss provision to assets | 0.0046% | 3,502 |
| Net operating income to assets | 0.7107% | 3,659 |
| Return on assets (ROA) | 0.7107% | 3,700 |
| Pretax return on assets | 1.1235% | 2,892 |
| Return on Equity (ROE) | 6.8857% | 3,452 |
| Retained earnings to average equity (ytd only) | 6.8857% | 1,895 |
| Net charge-offs to loans | -0.0173% | 4,665 |
| Credit loss provision to net charge-offs | -34.2857% | 3,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6285% | 2,642 |
| Assets per employee ($millions) | 4.7148% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6380% | 5,417 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,730 |
| Noncurrent loans to loans | 0.1823% | 4,467 |
| Net loans and leases to total assets | 76.6618% | 1,312 |
| Net loans and leases to deposits | 88.8434% | 1,687 |
| Net loans and leases to core deposits | 103.3325% | 1,264 |
| Total domestic deposits to total assets | 86.2888% | 2,540 |
| Equity capital to assets | 11.2009% | 2,431 |
| Core capital (leverage) ratio | 11.1656% | 2,222 |
| Tier 1 risk-based capital ratio | 13.1984% | 3,952 |
| Total risk-based capital ratio | 13.7844% | 4,273 |
| Memoranda: |
| Average total assets | $1,052,439,500 | 709 |
| Average earning assets | $972,554,500 | 706 |
| Average equity | $108,631,000 | 756 |
| Average total loans | $810,478,000 | 654 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4092% | 1,789 |
| Cost of funding earning assets | 0.4538% | 2,505 |
| Net interest margin | 3.9554% | 1,766 |
| Noninterest income to average assets | 0.4416% | 3,604 |
| Noninterest expense to average assets | 3.0029% | 2,346 |
| Loan and lease loss provision to assets | 0.0763% | 2,833 |
| Net operating income to assets | 0.6195% | 4,127 |
| Return on assets (ROA) | 0.6319% | 4,188 |
| Pretax return on assets | 1.0006% | 3,477 |
| Return on Equity (ROE) | 6.6469% | 3,668 |
| Retained earnings to average equity (ytd only) | 3.5885% | 3,374 |
| Net charge-offs to loans | 0.0048% | 4,080 |
| Credit loss provision to net charge-offs | 2,127.0270% | 202 |
| Earnings coverage of net charge-offs (x) | 294.8919% | 255 |
| Efficiency ratio | 73.2289% | 2,387 |
| Assets per employee ($millions) | 4.8319% | 2,599 |
| Cash dividends to net income (ytd only)* | 46.0123% | 2,525 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6276% | 5,484 |
| Loan loss allowance to noncurrent loans | 269.9630% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4042% | 3,654 |
| Noncurrent loans to loans | 0.2325% | 4,318 |
| Net loans and leases to total assets | 76.3840% | 1,456 |
| Net loans and leases to deposits | 88.7857% | 1,834 |
| Net loans and leases to core deposits | 106.4334% | 1,102 |
| Total domestic deposits to total assets | 86.0319% | 2,568 |
| Equity capital to assets | 9.4523% | 4,322 |
| Core capital (leverage) ratio | 9.7075% | 3,850 |
| Tier 1 risk-based capital ratio | 11.2965% | 5,172 |
| Total risk-based capital ratio | 11.8755% | 5,434 |
| Memoranda: |
| Average total assets | $1,031,822,400 | 697 |
| Average earning assets | $944,007,400 | 698 |
| Average equity | $98,091,200 | 804 |
| Average total loans | $770,747,600 | 651 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4100% | 1,831 |
| Cost of funding earning assets | 0.4500% | 2,563 |
| Net interest margin | 3.9601% | 1,779 |
| Noninterest income to average assets | 0.4389% | 3,641 |
| Noninterest expense to average assets | 3.0403% | 2,201 |
| Loan and lease loss provision to assets | 0.0802% | 2,604 |
| Net operating income to assets | 0.5924% | 4,323 |
| Return on assets (ROA) | 0.6090% | 4,373 |
| Pretax return on assets | 0.9635% | 3,768 |
| Return on Equity (ROE) | 6.3973% | 3,883 |
| Retained earnings to average equity (ytd only) | 2.2991% | 4,545 |
| Net charge-offs to loans | 0.0012% | 3,908 |
| Credit loss provision to net charge-offs | 8,814.2857% | 62 |
| Earnings coverage of net charge-offs (x) | 1,118.3719% | 63 |
| Efficiency ratio | 74.0674% | 2,271 |
| Assets per employee ($millions) | 4.6528% | 2,835 |
| Cash dividends to net income (ytd only)* | 64.0615% | 1,263 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6224% | 5,568 |
| Loan loss allowance to noncurrent loans | 362.3358% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 3,912 |
| Noncurrent loans to loans | 0.1718% | 4,671 |
| Net loans and leases to total assets | 76.3898% | 1,459 |
| Net loans and leases to deposits | 91.3470% | 1,589 |
| Net loans and leases to core deposits | 106.6166% | 1,137 |
| Total domestic deposits to total assets | 83.6259% | 3,345 |
| Equity capital to assets | 9.5996% | 4,557 |
| Core capital (leverage) ratio | 9.6305% | 4,018 |
| Tier 1 risk-based capital ratio | 11.1849% | 5,266 |
| Total risk-based capital ratio | 11.7531% | 5,537 |
| Memoranda: |
| Average total assets | $1,025,223,000 | 703 |
| Average earning assets | $936,967,000 | 705 |
| Average equity | $97,600,750 | 814 |
| Average total loans | $760,086,250 | 661 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3988% | 1,830 |
| Cost of funding earning assets | 0.4424% | 2,637 |
| Net interest margin | 3.9564% | 1,785 |
| Noninterest income to average assets | 0.3753% | 4,066 |
| Noninterest expense to average assets | 3.0446% | 2,222 |
| Loan and lease loss provision to assets | 0.0697% | 2,747 |
| Net operating income to assets | 0.5541% | 4,466 |
| Return on assets (ROA) | 0.5768% | 4,491 |
| Pretax return on assets | 0.9100% | 3,916 |
| Return on Equity (ROE) | 6.0764% | 4,012 |
| Retained earnings to average equity (ytd only) | -0.1135% | 5,307 |
| Net charge-offs to loans | -0.0024% | 4,391 |
| Credit loss provision to net charge-offs | -3,955.5556% | 5,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4088% | 2,164 |
| Assets per employee ($millions) | 4.6047% | 2,861 |
| Cash dividends to net income (ytd only)* | 101.8676% | 491 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6103% | 5,667 |
| Loan loss allowance to noncurrent loans | 214.0136% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 2,907 |
| Noncurrent loans to loans | 0.2852% | 4,353 |
| Net loans and leases to total assets | 74.5056% | 1,726 |
| Net loans and leases to deposits | 86.1632% | 2,231 |
| Net loans and leases to core deposits | 99.1581% | 1,698 |
| Total domestic deposits to total assets | 86.4703% | 2,183 |
| Equity capital to assets | 9.4681% | 4,800 |
| Core capital (leverage) ratio | 9.7040% | 3,922 |
| Tier 1 risk-based capital ratio | 11.4823% | 5,172 |
| Total risk-based capital ratio | 12.0474% | 5,452 |
| Memoranda: |
| Average total assets | $1,021,102,670 | 703 |
| Average earning assets | $932,615,670 | 707 |
| Average equity | $96,933,000 | 818 |
| Average total loans | $747,591,000 | 669 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3953% | 1,815 |
| Cost of funding earning assets | 0.4361% | 2,716 |
| Net interest margin | 3.9592% | 1,748 |
| Noninterest income to average assets | 0.3622% | 4,129 |
| Noninterest expense to average assets | 3.0112% | 2,357 |
| Loan and lease loss provision to assets | 0.0543% | 2,854 |
| Net operating income to assets | 0.5705% | 4,318 |
| Return on assets (ROA) | 0.5914% | 4,333 |
| Pretax return on assets | 0.9288% | 3,734 |
| Return on Equity (ROE) | 6.2214% | 3,867 |
| Retained earnings to average equity (ytd only) | -6.2048% | 5,676 |
| Net charge-offs to loans | -0.0185% | 4,816 |
| Credit loss provision to net charge-offs | -405.8824% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0845% | 2,311 |
| Assets per employee ($millions) | 4.5207% | 3,031 |
| Cash dividends to net income (ytd only)* | 199.7337% | 253 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6104% | 5,730 |
| Loan loss allowance to noncurrent loans | 162.2939% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 2,744 |
| Noncurrent loans to loans | 0.3761% | 4,089 |
| Net loans and leases to total assets | 72.8103% | 1,902 |
| Net loans and leases to deposits | 85.4088% | 2,133 |
| Net loans and leases to core deposits | 97.7811% | 1,651 |
| Total domestic deposits to total assets | 85.2492% | 3,017 |
| Equity capital to assets | 9.4920% | 4,673 |
| Core capital (leverage) ratio | 9.4847% | 4,220 |
| Tier 1 risk-based capital ratio | 11.4298% | 5,265 |
| Total risk-based capital ratio | 11.9786% | 5,558 |
| Memoranda: |
| Average total assets | $1,015,928,000 | 709 |
| Average earning assets | $923,613,000 | 713 |
| Average equity | $96,570,000 | 817 |
| Average total loans | $734,782,000 | 678 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1894% | 2,595 |
| Cost of funding earning assets | 0.4613% | 2,527 |
| Net interest margin | 3.7280% | 2,654 |
| Noninterest income to average assets | 0.2056% | 5,364 |
| Noninterest expense to average assets | 3.0365% | 2,430 |
| Loan and lease loss provision to assets | 0.0651% | 2,987 |
| Net operating income to assets | 0.2416% | 5,500 |
| Return on assets (ROA) | 0.2476% | 5,558 |
| Pretax return on assets | 0.4267% | 5,267 |
| Return on Equity (ROE) | 2.4284% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.5369% | 4,844 |
| Net charge-offs to loans | 0.0482% | 3,244 |
| Credit loss provision to net charge-offs | 192.4731% | 1,435 |
| Earnings coverage of net charge-offs (x) | 14.2634% | 2,317 |
| Efficiency ratio | 85.4493% | 1,049 |
| Assets per employee ($millions) | 4.7844% | 2,629 |
| Cash dividends to net income (ytd only)* | 36.7107% | 3,016 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9325% | 4,957 |
| Loan loss allowance to noncurrent loans | 165.2042% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 2,816 |
| Noncurrent loans to loans | 0.5645% | 3,483 |
| Net loans and leases to total assets | 69.7885% | 2,400 |
| Net loans and leases to deposits | 79.1529% | 2,928 |
| Net loans and leases to core deposits | 96.5310% | 1,795 |
| Total domestic deposits to total assets | 88.1691% | 1,546 |
| Equity capital to assets | 9.7072% | 4,294 |
| Core capital (leverage) ratio | 10.0522% | 3,438 |
| Tier 1 risk-based capital ratio | 12.3114% | 4,758 |
| Total risk-based capital ratio | 13.1394% | 4,928 |
| Memoranda: |
| Average total assets | $549,972,400 | 1,232 |
| Average earning assets | $488,786,000 | 1,277 |
| Average equity | $56,085,400 | 1,333 |
| Average total loans | $386,139,200 | 1,197 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2447% | 2,429 |
| Cost of funding earning assets | 0.4458% | 2,729 |
| Net interest margin | 3.7988% | 2,389 |
| Noninterest income to average assets | 0.1788% | 5,581 |
| Noninterest expense to average assets | 3.0366% | 2,405 |
| Loan and lease loss provision to assets | 0.0875% | 2,403 |
| Net operating income to assets | 0.2419% | 5,588 |
| Return on assets (ROA) | 0.2501% | 5,653 |
| Pretax return on assets | 0.4378% | 5,379 |
| Return on Equity (ROE) | 2.4213% | 5,572 |
| Retained earnings to average equity (ytd only) | 1.2320% | 5,229 |
| Net charge-offs to loans | 0.0578% | 2,773 |
| Credit loss provision to net charge-offs | 215.7576% | 1,259 |
| Earnings coverage of net charge-offs (x) | 12.6427% | 2,393 |
| Efficiency ratio | 84.7166% | 1,106 |
| Assets per employee ($millions) | 4.6632% | 2,750 |
| Cash dividends to net income (ytd only)* | 49.1159% | 1,912 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9617% | 4,933 |
| Loan loss allowance to noncurrent loans | 222.8571% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 2,362 |
| Noncurrent loans to loans | 0.4315% | 4,059 |
| Net loans and leases to total assets | 69.7593% | 2,426 |
| Net loans and leases to deposits | 78.1140% | 3,089 |
| Net loans and leases to core deposits | 95.5747% | 1,925 |
| Total domestic deposits to total assets | 89.3045% | 869 |
| Equity capital to assets | 9.9683% | 4,190 |
| Core capital (leverage) ratio | 10.1319% | 3,460 |
| Tier 1 risk-based capital ratio | 12.8975% | 4,487 |
| Total risk-based capital ratio | 13.7748% | 4,641 |
| Memoranda: |
| Average total assets | $542,736,000 | 1,259 |
| Average earning assets | $481,503,000 | 1,295 |
| Average equity | $56,057,500 | 1,343 |
| Average total loans | $380,718,750 | 1,214 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2188% | 2,485 |
| Cost of funding earning assets | 0.4255% | 2,979 |
| Net interest margin | 3.7933% | 2,343 |
| Noninterest income to average assets | 0.2715% | 5,012 |
| Noninterest expense to average assets | 3.0118% | 2,516 |
| Loan and lease loss provision to assets | 0.1210% | 1,829 |
| Net operating income to assets | 0.2889% | 5,472 |
| Return on assets (ROA) | 0.3014% | 5,537 |
| Pretax return on assets | 0.5209% | 5,174 |
| Return on Equity (ROE) | 2.8824% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.8824% | 4,204 |
| Net charge-offs to loans | 0.0650% | 2,449 |
| Credit loss provision to net charge-offs | 265.5738% | 1,006 |
| Earnings coverage of net charge-offs (x) | 13.6639% | 2,113 |
| Efficiency ratio | 82.0284% | 1,488 |
| Assets per employee ($millions) | 4.7265% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9809% | 4,963 |
| Loan loss allowance to noncurrent loans | 94.2464% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.4339% | 1,741 |
| Noncurrent loans to loans | 1.0408% | 2,563 |
| Net loans and leases to total assets | 71.1885% | 2,131 |
| Net loans and leases to deposits | 80.0788% | 2,773 |
| Net loans and leases to core deposits | 98.4939% | 1,612 |
| Total domestic deposits to total assets | 88.8980% | 1,187 |
| Equity capital to assets | 10.3219% | 3,662 |
| Core capital (leverage) ratio | 10.9216% | 2,502 |
| Tier 1 risk-based capital ratio | 12.9743% | 4,531 |
| Total risk-based capital ratio | 13.8551% | 4,660 |
| Memoranda: |
| Average total assets | $535,565,670 | 1,281 |
| Average earning assets | $474,781,330 | 1,319 |
| Average equity | $55,994,670 | 1,353 |
| Average total loans | $375,146,000 | 1,230 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2051% | 2,436 |
| Cost of funding earning assets | 0.4310% | 2,967 |
| Net interest margin | 3.7742% | 2,332 |
| Noninterest income to average assets | 0.5621% | 2,876 |
| Noninterest expense to average assets | 3.0046% | 2,564 |
| Loan and lease loss provision to assets | 0.2137% | 830 |
| Net operating income to assets | 0.4116% | 5,030 |
| Return on assets (ROA) | 0.4116% | 5,142 |
| Pretax return on assets | 0.6848% | 4,636 |
| Return on Equity (ROE) | 3.9113% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.9113% | 3,651 |
| Net charge-offs to loans | 0.0022% | 3,242 |
| Credit loss provision to net charge-offs | 14,200.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 597.0000% | 88 |
| Efficiency ratio | 76.1905% | 2,488 |
| Assets per employee ($millions) | 4.5625% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0534% | 4,742 |
| Loan loss allowance to noncurrent loans | 94.1530% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.5732% | 1,638 |
| Noncurrent loans to loans | 1.1188% | 2,539 |
| Net loans and leases to total assets | 69.4452% | 2,210 |
| Net loans and leases to deposits | 78.6950% | 2,714 |
| Net loans and leases to core deposits | 97.5181% | 1,519 |
| Total domestic deposits to total assets | 88.2461% | 1,689 |
| Equity capital to assets | 10.6694% | 3,345 |
| Core capital (leverage) ratio | 10.9295% | 2,487 |
| Tier 1 risk-based capital ratio | 13.6527% | 4,249 |
| Total risk-based capital ratio | 14.6036% | 4,309 |
| Memoranda: |
| Average total assets | $531,576,500 | 1,287 |
| Average earning assets | $470,567,500 | 1,337 |
| Average equity | $55,940,000 | 1,361 |
| Average total loans | $367,332,000 | 1,247 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5424% | 1,720 |
| Cost of funding earning assets | 0.4458% | 3,213 |
| Net interest margin | 4.0966% | 1,588 |
| Noninterest income to average assets | 0.1242% | 6,072 |
| Noninterest expense to average assets | 3.0536% | 2,674 |
| Loan and lease loss provision to assets | 0.0838% | 2,805 |
| Net operating income to assets | 0.4077% | 5,198 |
| Return on assets (ROA) | 0.4225% | 5,216 |
| Pretax return on assets | 0.6402% | 4,811 |
| Return on Equity (ROE) | 4.0565% | 5,089 |
| Retained earnings to average equity (ytd only) | 4.0565% | 3,319 |
| Net charge-offs to loans | 0.2759% | 1,570 |
| Credit loss provision to net charge-offs | 45.7627% | 3,577 |
| Earnings coverage of net charge-offs (x) | 3.8305% | 3,800 |
| Efficiency ratio | 80.4773% | 1,850 |
| Assets per employee ($millions) | 4.6833% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9997% | 5,066 |
| Loan loss allowance to noncurrent loans | 82.0936% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.7618% | 1,494 |
| Noncurrent loans to loans | 1.2178% | 2,415 |
| Net loans and leases to total assets | 67.3495% | 2,677 |
| Net loans and leases to deposits | 78.9480% | 2,841 |
| Net loans and leases to core deposits | 101.4207% | 1,283 |
| Total domestic deposits to total assets | 85.3087% | 3,161 |
| Equity capital to assets | 10.3787% | 3,630 |
| Core capital (leverage) ratio | 10.8339% | 2,579 |
| Tier 1 risk-based capital ratio | 13.8275% | 4,223 |
| Total risk-based capital ratio | 14.7329% | 4,363 |
| Memoranda: |
| Average total assets | $515,485,800 | 1,305 |
| Average earning assets | $456,892,600 | 1,345 |
| Average equity | $53,692,200 | 1,360 |
| Average total loans | $342,193,600 | 1,281 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5726% | 1,635 |
| Cost of funding earning assets | 0.4492% | 3,263 |
| Net interest margin | 4.1234% | 1,506 |
| Noninterest income to average assets | 0.1561% | 5,977 |
| Noninterest expense to average assets | 3.0858% | 2,508 |
| Loan and lease loss provision to assets | 0.0780% | 2,783 |
| Net operating income to assets | 0.4078% | 5,215 |
| Return on assets (ROA) | 0.4071% | 5,296 |
| Pretax return on assets | 0.6472% | 4,885 |
| Return on Equity (ROE) | 3.9051% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.9051% | 3,873 |
| Net charge-offs to loans | 0.2089% | 1,799 |
| Credit loss provision to net charge-offs | 56.6288% | 3,000 |
| Earnings coverage of net charge-offs (x) | 5.2708% | 3,297 |
| Efficiency ratio | 80.1123% | 1,901 |
| Assets per employee ($millions) | 4.6555% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1030% | 4,735 |
| Loan loss allowance to noncurrent loans | 85.7393% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.7425% | 1,714 |
| Noncurrent loans to loans | 1.2864% | 2,490 |
| Net loans and leases to total assets | 65.5508% | 2,945 |
| Net loans and leases to deposits | 73.9979% | 3,431 |
| Net loans and leases to core deposits | 93.9305% | 1,871 |
| Total domestic deposits to total assets | 88.5847% | 1,458 |
| Equity capital to assets | 10.1607% | 3,979 |
| Core capital (leverage) ratio | 10.5418% | 2,997 |
| Tier 1 risk-based capital ratio | 14.0592% | 4,167 |
| Total risk-based capital ratio | 15.0635% | 4,278 |
| Memoranda: |
| Average total assets | $510,882,250 | 1,328 |
| Average earning assets | $452,979,000 | 1,367 |
| Average equity | $53,262,250 | 1,376 |
| Average total loans | $336,939,500 | 1,300 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5159% | 1,784 |
| Cost of funding earning assets | 0.4475% | 3,356 |
| Net interest margin | 4.0684% | 1,612 |
| Noninterest income to average assets | 0.1190% | 6,202 |
| Noninterest expense to average assets | 3.0598% | 2,630 |
| Loan and lease loss provision to assets | 0.1762% | 1,393 |
| Net operating income to assets | 0.3085% | 5,538 |
| Return on assets (ROA) | 0.3075% | 5,612 |
| Pretax return on assets | 0.4981% | 5,280 |
| Return on Equity (ROE) | 2.9234% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.9234% | 4,345 |
| Net charge-offs to loans | 0.2985% | 1,347 |
| Credit loss provision to net charge-offs | 89.6761% | 2,185 |
| Earnings coverage of net charge-offs (x) | 3.4393% | 3,309 |
| Efficiency ratio | 81.0330% | 1,873 |
| Assets per employee ($millions) | 4.2595% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1812% | 4,513 |
| Loan loss allowance to noncurrent loans | 98.8406% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7815% | 1,818 |
| Noncurrent loans to loans | 1.1951% | 2,845 |
| Net loans and leases to total assets | 68.1089% | 2,396 |
| Net loans and leases to deposits | 77.3809% | 2,881 |
| Net loans and leases to core deposits | 101.4934% | 1,172 |
| Total domestic deposits to total assets | 88.0177% | 1,889 |
| Equity capital to assets | 10.6727% | 3,225 |
| Core capital (leverage) ratio | 11.0356% | 2,389 |
| Tier 1 risk-based capital ratio | 14.3280% | 4,046 |
| Total risk-based capital ratio | 15.4146% | 4,076 |
| Memoranda: |
| Average total assets | $502,717,330 | 1,337 |
| Average earning assets | $446,905,670 | 1,377 |
| Average equity | $52,883,670 | 1,373 |
| Average total loans | $330,966,670 | 1,318 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7145% | 1,225 |
| Cost of funding earning assets | 0.4454% | 3,480 |
| Net interest margin | 4.2691% | 1,066 |
| Noninterest income to average assets | 0.2124% | 5,654 |
| Noninterest expense to average assets | 3.0304% | 2,766 |
| Loan and lease loss provision to assets | 0.1941% | 1,212 |
| Net operating income to assets | 0.5012% | 4,682 |
| Return on assets (ROA) | 0.5012% | 4,765 |
| Pretax return on assets | 0.8004% | 4,115 |
| Return on Equity (ROE) | 4.7996% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.7996% | 3,230 |
| Net charge-offs to loans | 0.2698% | 1,265 |
| Credit loss provision to net charge-offs | 111.9266% | 1,533 |
| Earnings coverage of net charge-offs (x) | 5.7339% | 2,343 |
| Efficiency ratio | 74.4811% | 3,051 |
| Assets per employee ($millions) | 4.2103% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2558% | 4,351 |
| Loan loss allowance to noncurrent loans | 119.1240% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7165% | 2,055 |
| Noncurrent loans to loans | 1.0542% | 3,316 |
| Net loans and leases to total assets | 65.8587% | 2,587 |
| Net loans and leases to deposits | 74.7394% | 2,987 |
| Net loans and leases to core deposits | 93.3147% | 1,609 |
| Total domestic deposits to total assets | 88.1178% | 2,163 |
| Equity capital to assets | 10.6710% | 3,071 |
| Core capital (leverage) ratio | 10.8797% | 2,510 |
| Tier 1 risk-based capital ratio | 15.0178% | 3,704 |
| Total risk-based capital ratio | 16.1798% | 3,703 |
| Memoranda: |
| Average total assets | $502,767,500 | 1,342 |
| Average earning assets | $448,995,000 | 1,375 |
| Average equity | $52,504,000 | 1,379 |
| Average total loans | $323,240,500 | 1,353 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6674% | 1,664 |
| Cost of funding earning assets | 0.5327% | 3,266 |
| Net interest margin | 4.1347% | 1,558 |
| Noninterest income to average assets | 0.3554% | 4,763 |
| Noninterest expense to average assets | 3.0425% | 2,924 |
| Loan and lease loss provision to assets | 0.1225% | 2,779 |
| Net operating income to assets | 0.5742% | 4,384 |
| Return on assets (ROA) | 0.5750% | 4,496 |
| Pretax return on assets | 0.9308% | 3,637 |
| Return on Equity (ROE) | 5.3166% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.3166% | 2,408 |
| Net charge-offs to loans | 0.0441% | 4,603 |
| Credit loss provision to net charge-offs | 424.8175% | 540 |
| Earnings coverage of net charge-offs (x) | 36.4745% | 1,022 |
| Efficiency ratio | 73.6837% | 3,183 |
| Assets per employee ($millions) | 4.5020% | 2,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3122% | 4,084 |
| Loan loss allowance to noncurrent loans | 513.0273% | 947 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 3,031 |
| Noncurrent loans to loans | 0.2558% | 5,410 |
| Net loans and leases to total assets | 61.1317% | 3,511 |
| Net loans and leases to deposits | 69.4086% | 3,854 |
| Net loans and leases to core deposits | 83.8246% | 2,695 |
| Total domestic deposits to total assets | 88.0750% | 2,132 |
| Equity capital to assets | 10.2203% | 3,483 |
| Core capital (leverage) ratio | 10.6705% | 2,702 |
| Tier 1 risk-based capital ratio | 15.6448% | 3,284 |
| Total risk-based capital ratio | 16.8615% | 3,258 |
| Memoranda: |
| Average total assets | $474,976,800 | 1,398 |
| Average earning assets | $429,533,800 | 1,422 |
| Average equity | $51,367,800 | 1,384 |
| Average total loans | $310,568,400 | 1,364 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6587% | 1,725 |
| Cost of funding earning assets | 0.5576% | 3,187 |
| Net interest margin | 4.1011% | 1,630 |
| Noninterest income to average assets | 0.4693% | 4,004 |
| Noninterest expense to average assets | 3.0556% | 2,803 |
| Loan and lease loss provision to assets | 0.0817% | 3,426 |
| Net operating income to assets | 0.6619% | 4,056 |
| Return on assets (ROA) | 0.6630% | 4,188 |
| Pretax return on assets | 1.0580% | 3,271 |
| Return on Equity (ROE) | 6.0402% | 4,169 |
| Retained earnings to average equity (ytd only) | 6.0402% | 2,385 |
| Net charge-offs to loans | 0.0625% | 4,011 |
| Credit loss provision to net charge-offs | 197.2414% | 1,232 |
| Earnings coverage of net charge-offs (x) | 27.4619% | 1,308 |
| Efficiency ratio | 72.3184% | 3,345 |
| Assets per employee ($millions) | 4.6931% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2294% | 4,743 |
| Loan loss allowance to noncurrent loans | 115.2874% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 2.0546% | 1,962 |
| Noncurrent loans to loans | 1.0664% | 3,667 |
| Net loans and leases to total assets | 63.0592% | 3,157 |
| Net loans and leases to deposits | 71.4150% | 3,584 |
| Net loans and leases to core deposits | 86.8565% | 2,301 |
| Total domestic deposits to total assets | 88.2996% | 1,938 |
| Equity capital to assets | 10.6254% | 3,135 |
| Core capital (leverage) ratio | 10.9325% | 2,548 |
| Tier 1 risk-based capital ratio | 15.8976% | 3,253 |
| Total risk-based capital ratio | 17.0529% | 3,253 |
| Memoranda: |
| Average total assets | $466,540,250 | 1,423 |
| Average earning assets | $423,684,750 | 1,447 |
| Average equity | $51,211,500 | 1,397 |
| Average total loans | $309,429,000 | 1,370 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3683% | 2,691 |
| Cost of funding earning assets | 0.5880% | 3,051 |
| Net interest margin | 3.7803% | 2,637 |
| Noninterest income to average assets | 0.5373% | 3,592 |
| Noninterest expense to average assets | 3.1514% | 2,506 |
| Loan and lease loss provision to assets | 0.1014% | 3,102 |
| Net operating income to assets | 0.4251% | 5,126 |
| Return on assets (ROA) | 0.4284% | 5,271 |
| Pretax return on assets | 0.7188% | 4,621 |
| Return on Equity (ROE) | 3.8592% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.8592% | 3,843 |
| Net charge-offs to loans | 0.0661% | 3,762 |
| Credit loss provision to net charge-offs | 228.4314% | 1,077 |
| Earnings coverage of net charge-offs (x) | 18.3529% | 1,557 |
| Efficiency ratio | 79.0231% | 2,295 |
| Assets per employee ($millions) | 4.7039% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2366% | 4,803 |
| Loan loss allowance to noncurrent loans | 74.2230% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 2.4471% | 1,738 |
| Noncurrent loans to loans | 1.6660% | 2,817 |
| Net loans and leases to total assets | 64.2356% | 2,878 |
| Net loans and leases to deposits | 73.0753% | 3,287 |
| Net loans and leases to core deposits | 87.5317% | 2,169 |
| Total domestic deposits to total assets | 87.9033% | 2,314 |
| Equity capital to assets | 10.6381% | 3,135 |
| Core capital (leverage) ratio | 11.6131% | 1,852 |
| Tier 1 risk-based capital ratio | 15.9770% | 3,207 |
| Total risk-based capital ratio | 17.1662% | 3,188 |
| Memoranda: |
| Average total assets | $459,358,330 | 1,444 |
| Average earning assets | $416,686,000 | 1,464 |
| Average equity | $50,995,000 | 1,403 |
| Average total loans | $308,700,670 | 1,371 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2808% | 2,973 |
| Cost of funding earning assets | 0.6281% | 2,855 |
| Net interest margin | 3.6527% | 3,066 |
| Noninterest income to average assets | 0.3429% | 4,947 |
| Noninterest expense to average assets | 3.3365% | 1,993 |
| Loan and lease loss provision to assets | 0.1604% | 2,269 |
| Net operating income to assets | 0.1010% | 6,144 |
| Return on assets (ROA) | 0.1010% | 6,237 |
| Pretax return on assets | 0.1639% | 6,146 |
| Return on Equity (ROE) | 0.8902% | 6,245 |
| Retained earnings to average equity (ytd only) | 0.8902% | 5,491 |
| Net charge-offs to loans | 0.0052% | 4,062 |
| Credit loss provision to net charge-offs | 4,525.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 418 |
| Efficiency ratio | 90.9245% | 1,070 |
| Assets per employee ($millions) | 4.4482% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2588% | 4,902 |
| Loan loss allowance to noncurrent loans | 65.1668% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 2.7611% | 1,646 |
| Noncurrent loans to loans | 1.9316% | 2,699 |
| Net loans and leases to total assets | 68.8823% | 1,863 |
| Net loans and leases to deposits | 79.6600% | 2,126 |
| Net loans and leases to core deposits | 96.8682% | 1,152 |
| Total domestic deposits to total assets | 86.4704% | 3,258 |
| Equity capital to assets | 11.6401% | 2,302 |
| Core capital (leverage) ratio | 11.5422% | 1,852 |
| Tier 1 risk-based capital ratio | 16.1173% | 3,196 |
| Total risk-based capital ratio | 17.3533% | 3,163 |
| Memoranda: |
| Average total assets | $451,490,000 | 1,486 |
| Average earning assets | $410,109,500 | 1,499 |
| Average equity | $51,222,000 | 1,416 |
| Average total loans | $308,550,500 | 1,378 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5819% | 3,075 |
| Cost of funding earning assets | 0.7887% | 2,758 |
| Net interest margin | 3.7931% | 3,255 |
| Noninterest income to average assets | 1.8163% | 505 |
| Noninterest expense to average assets | 2.9613% | 3,422 |
| Loan and lease loss provision to assets | 0.2451% | 2,695 |
| Net operating income to assets | 1.7630% | 546 |
| Return on assets (ROA) | 1.8540% | 517 |
| Pretax return on assets | 2.1329% | 466 |
| Return on Equity (ROE) | 14.1559% | 965 |
| Retained earnings to average equity (ytd only) | 14.1559% | 197 |
| Net charge-offs to loans | 0.3298% | 2,995 |
| Credit loss provision to net charge-offs | 104.5618% | 2,856 |
| Earnings coverage of net charge-offs (x) | 9.6987% | 2,237 |
| Efficiency ratio | 56.5715% | 5,994 |
| Assets per employee ($millions) | 4.7692% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1907% | 5,156 |
| Loan loss allowance to noncurrent loans | 42.6392% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 3.1270% | 1,504 |
| Noncurrent loans to loans | 2.7925% | 1,884 |
| Net loans and leases to total assets | 66.1912% | 2,499 |
| Net loans and leases to deposits | 75.7926% | 2,828 |
| Net loans and leases to core deposits | 94.0211% | 1,465 |
| Total domestic deposits to total assets | 87.3320% | 2,626 |
| Equity capital to assets | 11.0643% | 2,876 |
| Core capital (leverage) ratio | 10.7456% | 2,499 |
| Tier 1 risk-based capital ratio | 15.8959% | 3,219 |
| Total risk-based capital ratio | 17.0667% | 3,214 |
| Memoranda: |
| Average total assets | $355,387,600 | 1,825 |
| Average earning assets | $320,262,000 | 1,853 |
| Average equity | $46,545,800 | 1,498 |
| Average total loans | $252,599,800 | 1,632 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7056% | 2,789 |
| Cost of funding earning assets | 0.7727% | 3,167 |
| Net interest margin | 3.9329% | 2,788 |
| Noninterest income to average assets | 0.3514% | 5,007 |
| Noninterest expense to average assets | 2.8591% | 3,751 |
| Loan and lease loss provision to assets | 0.2573% | 2,516 |
| Net operating income to assets | 0.4649% | 4,975 |
| Return on assets (ROA) | 0.5571% | 4,846 |
| Pretax return on assets | 0.9130% | 4,056 |
| Return on Equity (ROE) | 4.0334% | 5,279 |
| Retained earnings to average equity (ytd only) | 4.0334% | 4,052 |
| Net charge-offs to loans | 0.4650% | 2,244 |
| Credit loss provision to net charge-offs | 76.2936% | 3,723 |
| Earnings coverage of net charge-offs (x) | 3.0433% | 3,817 |
| Efficiency ratio | 73.5875% | 3,051 |
| Assets per employee ($millions) | 4.7714% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3985% | 4,382 |
| Loan loss allowance to noncurrent loans | 182.4182% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.5601% | 3,252 |
| Noncurrent loans to loans | 0.7666% | 4,878 |
| Net loans and leases to total assets | 71.9083% | 1,568 |
| Net loans and leases to deposits | 83.9278% | 1,880 |
| Net loans and leases to core deposits | 111.5112% | 519 |
| Total domestic deposits to total assets | 85.6787% | 3,428 |
| Equity capital to assets | 13.5998% | 1,307 |
| Core capital (leverage) ratio | 13.2425% | 1,091 |
| Tier 1 risk-based capital ratio | 17.7026% | 2,458 |
| Total risk-based capital ratio | 18.9536% | 2,426 |
| Memoranda: |
| Average total assets | $328,581,250 | 1,974 |
| Average earning assets | $295,246,250 | 2,020 |
| Average equity | $45,386,000 | 1,542 |
| Average total loans | $238,275,000 | 1,738 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6877% | 2,966 |
| Cost of funding earning assets | 0.7926% | 3,250 |
| Net interest margin | 3.8951% | 2,925 |
| Noninterest income to average assets | 0.3297% | 5,189 |
| Noninterest expense to average assets | 2.7474% | 4,227 |
| Loan and lease loss provision to assets | 0.2762% | 2,379 |
| Net operating income to assets | 0.4870% | 4,881 |
| Return on assets (ROA) | 0.6267% | 4,492 |
| Pretax return on assets | 1.0246% | 3,617 |
| Return on Equity (ROE) | 4.5131% | 5,033 |
| Retained earnings to average equity (ytd only) | 4.5131% | 3,601 |
| Net charge-offs to loans | 0.1581% | 3,657 |
| Credit loss provision to net charge-offs | 241.3978% | 1,189 |
| Earnings coverage of net charge-offs (x) | 9.4624% | 2,161 |
| Efficiency ratio | 71.7360% | 3,479 |
| Assets per employee ($millions) | 4.8062% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6334% | 3,485 |
| Loan loss allowance to noncurrent loans | 79.6703% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 2.0384% | 2,738 |
| Noncurrent loans to loans | 2.0503% | 2,887 |
| Net loans and leases to total assets | 71.0921% | 1,724 |
| Net loans and leases to deposits | 85.2468% | 1,695 |
| Net loans and leases to core deposits | 109.9539% | 579 |
| Total domestic deposits to total assets | 83.3956% | 4,576 |
| Equity capital to assets | 13.7569% | 1,191 |
| Core capital (leverage) ratio | 14.3336% | 726 |
| Tier 1 risk-based capital ratio | 18.1790% | 2,239 |
| Total risk-based capital ratio | 19.4048% | 2,214 |
| Memoranda: |
| Average total assets | $325,185,330 | 1,992 |
| Average earning assets | $292,210,000 | 2,036 |
| Average equity | $45,157,330 | 1,547 |
| Average total loans | $235,347,330 | 1,752 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7736% | 2,743 |
| Cost of funding earning assets | 0.8462% | 3,095 |
| Net interest margin | 3.9274% | 2,812 |
| Noninterest income to average assets | 0.3715% | 4,892 |
| Noninterest expense to average assets | 2.6910% | 4,456 |
| Loan and lease loss provision to assets | 0.1988% | 2,951 |
| Net operating income to assets | 0.6187% | 4,270 |
| Return on assets (ROA) | 0.6187% | 4,477 |
| Pretax return on assets | 1.0163% | 3,623 |
| Return on Equity (ROE) | 4.4341% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.4341% | 3,935 |
| Net charge-offs to loans | 0.3002% | 2,459 |
| Credit loss provision to net charge-offs | 91.4286% | 2,521 |
| Earnings coverage of net charge-offs (x) | 5.5886% | 2,332 |
| Efficiency ratio | 68.8931% | 4,000 |
| Assets per employee ($millions) | 4.9397% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5630% | 3,878 |
| Loan loss allowance to noncurrent loans | 140.5876% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.4519% | 3,692 |
| Noncurrent loans to loans | 1.1118% | 4,471 |
| Net loans and leases to total assets | 72.4530% | 1,324 |
| Net loans and leases to deposits | 86.0704% | 1,410 |
| Net loans and leases to core deposits | 112.9776% | 447 |
| Total domestic deposits to total assets | 84.1788% | 4,410 |
| Equity capital to assets | 14.2918% | 925 |
| Core capital (leverage) ratio | 14.1981% | 750 |
| Tier 1 risk-based capital ratio | 18.3794% | 2,176 |
| Total risk-based capital ratio | 19.6297% | 2,147 |
| Memoranda: |
| Average total assets | $321,963,500 | 2,020 |
| Average earning assets | $289,761,500 | 2,062 |
| Average equity | $44,925,000 | 1,542 |
| Average total loans | $233,182,500 | 1,768 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9828% | 2,954 |
| Cost of funding earning assets | 1.1318% | 2,458 |
| Net interest margin | 3.8510% | 3,564 |
| Noninterest income to average assets | 0.1829% | 6,187 |
| Noninterest expense to average assets | 2.7189% | 4,675 |
| Loan and lease loss provision to assets | 0.1881% | 4,303 |
| Net operating income to assets | 0.5486% | 4,243 |
| Return on assets (ROA) | 0.5738% | 4,309 |
| Pretax return on assets | 0.8416% | 3,814 |
| Return on Equity (ROE) | 4.7917% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.7917% | 2,795 |
| Net charge-offs to loans | 0.2284% | 4,357 |
| Credit loss provision to net charge-offs | 107.9630% | 3,126 |
| Earnings coverage of net charge-offs (x) | 5.6981% | 2,706 |
| Efficiency ratio | 73.2574% | 3,347 |
| Assets per employee ($millions) | 5.0429% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5629% | 3,737 |
| Loan loss allowance to noncurrent loans | 1,426.5625% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 5,090 |
| Noncurrent loans to loans | 0.1096% | 6,539 |
| Net loans and leases to total assets | 70.1745% | 2,001 |
| Net loans and leases to deposits | 82.5995% | 2,123 |
| Net loans and leases to core deposits | 110.9384% | 589 |
| Total domestic deposits to total assets | 84.9576% | 3,876 |
| Equity capital to assets | 13.6271% | 1,204 |
| Core capital (leverage) ratio | 13.4836% | 970 |
| Tier 1 risk-based capital ratio | 18.0761% | 2,166 |
| Total risk-based capital ratio | 19.3293% | 2,142 |
| Memoranda: |
| Average total assets | $310,014,800 | 2,066 |
| Average earning assets | $284,055,600 | 2,067 |
| Average equity | $37,126,400 | 1,817 |
| Average total loans | $236,410,000 | 1,773 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0311% | 2,932 |
| Cost of funding earning assets | 1.1818% | 2,435 |
| Net interest margin | 3.8493% | 3,618 |
| Noninterest income to average assets | 0.1998% | 6,169 |
| Noninterest expense to average assets | 2.8039% | 4,328 |
| Loan and lease loss provision to assets | 0.1562% | 4,514 |
| Net operating income to assets | 0.5587% | 4,276 |
| Return on assets (ROA) | 0.5943% | 4,294 |
| Pretax return on assets | 0.8330% | 4,007 |
| Return on Equity (ROE) | 5.1529% | 4,475 |
| Retained earnings to average equity (ytd only) | 5.1529% | 3,089 |
| Net charge-offs to loans | 0.2154% | 4,092 |
| Credit loss provision to net charge-offs | 93.4726% | 3,644 |
| Earnings coverage of net charge-offs (x) | 5.6188% | 2,736 |
| Efficiency ratio | 74.9126% | 3,018 |
| Assets per employee ($millions) | 5.0567% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5017% | 4,082 |
| Loan loss allowance to noncurrent loans | 230.9278% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 4,968 |
| Noncurrent loans to loans | 0.6503% | 5,587 |
| Net loans and leases to total assets | 72.6366% | 1,578 |
| Net loans and leases to deposits | 85.6621% | 1,724 |
| Net loans and leases to core deposits | 117.3247% | 459 |
| Total domestic deposits to total assets | 84.7943% | 3,872 |
| Equity capital to assets | 13.8010% | 1,244 |
| Core capital (leverage) ratio | 13.6396% | 1,000 |
| Tier 1 risk-based capital ratio | 17.5777% | 2,405 |
| Total risk-based capital ratio | 18.8302% | 2,384 |
| Memoranda: |
| Average total assets | $305,571,750 | 2,101 |
| Average earning assets | $281,254,000 | 2,091 |
| Average equity | $35,241,000 | 1,915 |
| Average total loans | $237,093,750 | 1,782 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0877% | 2,740 |
| Cost of funding earning assets | 1.2463% | 2,275 |
| Net interest margin | 3.8414% | 3,575 |
| Noninterest income to average assets | 0.1963% | 6,267 |
| Noninterest expense to average assets | 2.8856% | 4,079 |
| Loan and lease loss provision to assets | 0.1429% | 4,519 |
| Net operating income to assets | 0.5722% | 4,201 |
| Return on assets (ROA) | 0.6049% | 4,181 |
| Pretax return on assets | 0.7631% | 4,167 |
| Return on Equity (ROE) | 5.6449% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.6449% | 2,622 |
| Net charge-offs to loans | 0.1234% | 4,486 |
| Credit loss provision to net charge-offs | 146.5753% | 2,088 |
| Earnings coverage of net charge-offs (x) | 8.8699% | 1,995 |
| Efficiency ratio | 76.9450% | 2,871 |
| Assets per employee ($millions) | 4.7206% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5541% | 3,885 |
| Loan loss allowance to noncurrent loans | 221.9071% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1373% | 4,614 |
| Noncurrent loans to loans | 0.7003% | 5,505 |
| Net loans and leases to total assets | 77.0970% | 900 |
| Net loans and leases to deposits | 88.9372% | 1,380 |
| Net loans and leases to core deposits | 120.9506% | 396 |
| Total domestic deposits to total assets | 86.6869% | 2,933 |
| Equity capital to assets | 10.8531% | 3,128 |
| Core capital (leverage) ratio | 11.0100% | 2,238 |
| Tier 1 risk-based capital ratio | 13.3420% | 4,655 |
| Total risk-based capital ratio | 14.5953% | 4,634 |
| Memoranda: |
| Average total assets | $299,552,670 | 2,153 |
| Average earning assets | $277,138,670 | 2,126 |
| Average equity | $32,100,000 | 2,058 |
| Average total loans | $236,572,670 | 1,805 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0600% | 2,816 |
| Cost of funding earning assets | 1.3347% | 1,985 |
| Net interest margin | 3.7253% | 3,971 |
| Noninterest income to average assets | 0.1851% | 6,400 |
| Noninterest expense to average assets | 2.9544% | 3,843 |
| Loan and lease loss provision to assets | 0.0617% | 5,223 |
| Net operating income to assets | 0.6276% | 3,882 |
| Return on assets (ROA) | 0.6276% | 3,949 |
| Pretax return on assets | 0.6276% | 4,578 |
| Return on Equity (ROE) | 5.8950% | 3,965 |
| Retained earnings to average equity (ytd only) | 5.8950% | 2,704 |
| Net charge-offs to loans | 0.0930% | 4,012 |
| Credit loss provision to net charge-offs | 83.6364% | 3,074 |
| Earnings coverage of net charge-offs (x) | 9.3455% | 1,730 |
| Efficiency ratio | 81.0821% | 2,356 |
| Assets per employee ($millions) | 4.7197% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5264% | 4,075 |
| Loan loss allowance to noncurrent loans | 182.6484% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0669% | 4,791 |
| Noncurrent loans to loans | 0.8357% | 5,366 |
| Net loans and leases to total assets | 79.3673% | 581 |
| Net loans and leases to deposits | 91.6248% | 1,053 |
| Net loans and leases to core deposits | 122.4925% | 373 |
| Total domestic deposits to total assets | 86.6220% | 3,170 |
| Equity capital to assets | 10.9414% | 2,748 |
| Core capital (leverage) ratio | 10.8041% | 2,353 |
| Tier 1 risk-based capital ratio | 13.4586% | 4,452 |
| Total risk-based capital ratio | 14.7118% | 4,427 |
| Memoranda: |
| Average total assets | $298,270,500 | 2,172 |
| Average earning assets | $276,916,000 | 2,141 |
| Average equity | $31,755,500 | 2,064 |
| Average total loans | $236,559,000 | 1,815 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9851% | 4,628 |
| Cost of funding earning assets | 1.6886% | 1,655 |
| Net interest margin | 3.2966% | 5,992 |
| Noninterest income to average assets | 0.3563% | 5,262 |
| Noninterest expense to average assets | 2.6610% | 5,173 |
| Loan and lease loss provision to assets | 0.4654% | 3,340 |
| Net operating income to assets | 0.2994% | 4,942 |
| Return on assets (ROA) | 0.4157% | 4,610 |
| Pretax return on assets | 0.4157% | 4,898 |
| Return on Equity (ROE) | 3.9634% | 4,546 |
| Retained earnings to average equity (ytd only) | 3.6383% | 3,319 |
| Net charge-offs to loans | 0.2199% | 4,975 |
| Credit loss provision to net charge-offs | 272.4551% | 1,007 |
| Earnings coverage of net charge-offs (x) | 4.4770% | 2,909 |
| Efficiency ratio | 77.6749% | 2,763 |
| Assets per employee ($millions) | 4.7487% | 2,489 |
| Cash dividends to net income (ytd only)* | 8.2034% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5210% | 3,892 |
| Loan loss allowance to noncurrent loans | 153.0534% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 4,893 |
| Noncurrent loans to loans | 0.9938% | 5,072 |
| Net loans and leases to total assets | 76.8832% | 1,114 |
| Net loans and leases to deposits | 90.3810% | 1,475 |
| Net loans and leases to core deposits | 125.3222% | 400 |
| Total domestic deposits to total assets | 85.0657% | 3,820 |
| Equity capital to assets | 10.3627% | 3,319 |
| Core capital (leverage) ratio | 10.2428% | 2,820 |
| Tier 1 risk-based capital ratio | 12.9839% | 4,610 |
| Total risk-based capital ratio | 14.2352% | 4,577 |
| Memoranda: |
| Average total assets | $293,271,800 | 2,192 |
| Average earning assets | $273,073,000 | 2,162 |
| Average equity | $30,756,200 | 2,128 |
| Average total loans | $227,812,200 | 1,913 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9521% | 5,027 |
| Cost of funding earning assets | 1.7643% | 1,570 |
| Net interest margin | 3.1878% | 6,382 |
| Noninterest income to average assets | 0.3427% | 5,430 |
| Noninterest expense to average assets | 2.6592% | 5,071 |
| Loan and lease loss provision to assets | 0.3987% | 3,516 |
| Net operating income to assets | 0.2551% | 5,330 |
| Return on assets (ROA) | 0.4115% | 4,874 |
| Pretax return on assets | 0.4115% | 5,187 |
| Return on Equity (ROE) | 3.9120% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.4759% | 4,010 |
| Net charge-offs to loans | 0.0390% | 6,166 |
| Credit loss provision to net charge-offs | 1,316.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 21.5903% | 1,126 |
| Efficiency ratio | 80.2659% | 2,298 |
| Assets per employee ($millions) | 5.0382% | 2,125 |
| Cash dividends to net income (ytd only)* | 11.1483% | 3,286 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5001% | 3,964 |
| Loan loss allowance to noncurrent loans | 126.8049% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.2048% | 4,735 |
| Noncurrent loans to loans | 1.1830% | 4,878 |
| Net loans and leases to total assets | 77.0683% | 1,210 |
| Net loans and leases to deposits | 88.2904% | 1,976 |
| Net loans and leases to core deposits | 125.5880% | 459 |
| Total domestic deposits to total assets | 87.2895% | 2,380 |
| Equity capital to assets | 10.4895% | 3,532 |
| Core capital (leverage) ratio | 10.2034% | 3,041 |
| Tier 1 risk-based capital ratio | 12.6655% | 4,844 |
| Total risk-based capital ratio | 13.9180% | 4,826 |
| Memoranda: |
| Average total assets | $290,610,250 | 2,240 |
| Average earning assets | $270,775,750 | 2,209 |
| Average equity | $30,571,750 | 2,158 |
| Average total loans | $225,447,500 | 1,956 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8960% | 5,408 |
| Cost of funding earning assets | 1.8289% | 1,533 |
| Net interest margin | 3.0671% | 6,685 |
| Noninterest income to average assets | 0.3223% | 5,580 |
| Noninterest expense to average assets | 2.6654% | 5,057 |
| Loan and lease loss provision to assets | 0.2344% | 4,574 |
| Net operating income to assets | 0.2839% | 5,249 |
| Return on assets (ROA) | 0.2839% | 5,398 |
| Pretax return on assets | 0.2839% | 5,548 |
| Return on Equity (ROE) | 2.6960% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.6960% | 4,423 |
| Net charge-offs to loans | 0.0532% | 5,637 |
| Credit loss provision to net charge-offs | 569.4915% | 651 |
| Earnings coverage of net charge-offs (x) | 12.5932% | 1,665 |
| Efficiency ratio | 83.7204% | 1,954 |
| Assets per employee ($millions) | 5.1253% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3004% | 4,915 |
| Loan loss allowance to noncurrent loans | 3,052.5253% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 6,621 |
| Noncurrent loans to loans | 0.0426% | 7,208 |
| Net loans and leases to total assets | 77.1591% | 1,263 |
| Net loans and leases to deposits | 90.2542% | 1,813 |
| Net loans and leases to core deposits | 124.4512% | 562 |
| Total domestic deposits to total assets | 85.4910% | 3,374 |
| Equity capital to assets | 10.6280% | 3,245 |
| Core capital (leverage) ratio | 10.7121% | 2,456 |
| Tier 1 risk-based capital ratio | 12.7815% | 4,623 |
| Total risk-based capital ratio | 14.0316% | 4,591 |
| Memoranda: |
| Average total assets | $286,716,000 | 2,286 |
| Average earning assets | $267,483,330 | 2,245 |
| Average equity | $30,192,670 | 2,182 |
| Average total loans | $221,756,670 | 2,006 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8214% | 5,805 |
| Cost of funding earning assets | 1.8559% | 1,630 |
| Net interest margin | 2.9655% | 6,906 |
| Noninterest income to average assets | 0.3397% | 5,426 |
| Noninterest expense to average assets | 2.6535% | 5,135 |
| Loan and lease loss provision to assets | 0.1748% | 4,771 |
| Net operating income to assets | 0.2729% | 5,407 |
| Return on assets (ROA) | 0.2729% | 5,534 |
| Pretax return on assets | 0.2729% | 5,679 |
| Return on Equity (ROE) | 2.6041% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.6041% | 4,580 |
| Net charge-offs to loans | 0.0111% | 5,431 |
| Credit loss provision to net charge-offs | 2,050.0000% | 248 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 553 |
| Efficiency ratio | 85.5637% | 1,845 |
| Assets per employee ($millions) | 5.1169% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2952% | 4,962 |
| Loan loss allowance to noncurrent loans | 470.7237% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 6,663 |
| Noncurrent loans to loans | 0.2751% | 6,770 |
| Net loans and leases to total assets | 77.5021% | 1,247 |
| Net loans and leases to deposits | 92.5962% | 1,530 |
| Net loans and leases to core deposits | 124.1109% | 643 |
| Total domestic deposits to total assets | 83.6990% | 4,304 |
| Equity capital to assets | 10.9498% | 2,810 |
| Core capital (leverage) ratio | 10.9535% | 2,258 |
| Tier 1 risk-based capital ratio | 13.4892% | 3,990 |
| Total risk-based capital ratio | 14.7391% | 3,957 |
| Memoranda: |
| Average total assets | $281,439,000 | 2,382 |
| Average earning assets | $262,082,500 | 2,339 |
| Average equity | $29,492,000 | 2,244 |
| Average total loans | $216,438,500 | 2,110 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1882% | 5,703 |
| Cost of funding earning assets | 2.2686% | 1,774 |
| Net interest margin | 2.9197% | 6,820 |
| Noninterest income to average assets | 0.2899% | 6,035 |
| Noninterest expense to average assets | 2.6920% | 5,428 |
| Loan and lease loss provision to assets | 0.1963% | 5,767 |
| Net operating income to assets | 0.1331% | 5,100 |
| Return on assets (ROA) | 0.1573% | 5,101 |
| Pretax return on assets | 0.1573% | 5,093 |
| Return on Equity (ROE) | 1.5090% | 5,086 |
| Retained earnings to average equity (ytd only) | 1.5090% | 4,014 |
| Net charge-offs to loans | 0.0328% | 6,799 |
| Credit loss provision to net charge-offs | 762.1212% | 385 |
| Earnings coverage of net charge-offs (x) | 12.7879% | 1,475 |
| Efficiency ratio | 89.0998% | 1,786 |
| Assets per employee ($millions) | 5.3103% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2954% | 4,793 |
| Loan loss allowance to noncurrent loans | 435.0238% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 6,587 |
| Noncurrent loans to loans | 0.2978% | 6,684 |
| Net loans and leases to total assets | 74.3142% | 2,192 |
| Net loans and leases to deposits | 87.0065% | 2,736 |
| Net loans and leases to core deposits | 133.5720% | 1,083 |
| Total domestic deposits to total assets | 85.4122% | 3,351 |
| Equity capital to assets | 10.0083% | 3,756 |
| Core capital (leverage) ratio | 10.1954% | 2,890 |
| Tier 1 risk-based capital ratio | 12.8732% | 4,229 |
| Total risk-based capital ratio | 14.1222% | 4,182 |
| Memoranda: |
| Average total assets | $256,274,200 | 2,554 |
| Average earning assets | $239,753,400 | 2,501 |
| Average equity | $26,707,200 | 2,471 |
| Average total loans | $201,438,200 | 2,283 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2686% | 5,577 |
| Cost of funding earning assets | 2.3476% | 1,818 |
| Net interest margin | 2.9210% | 6,799 |
| Noninterest income to average assets | 0.2923% | 6,141 |
| Noninterest expense to average assets | 2.6631% | 5,476 |
| Loan and lease loss provision to assets | 0.1691% | 5,667 |
| Net operating income to assets | 0.1883% | 5,198 |
| Return on assets (ROA) | 0.1173% | 5,473 |
| Pretax return on assets | 0.1173% | 5,489 |
| Return on Equity (ROE) | 1.1135% | 5,457 |
| Retained earnings to average equity (ytd only) | 1.1135% | 4,697 |
| Net charge-offs to loans | 0.0121% | 6,760 |
| Credit loss provision to net charge-offs | 1,761.1111% | 221 |
| Earnings coverage of net charge-offs (x) | 37.2213% | 791 |
| Efficiency ratio | 88.1688% | 1,860 |
| Assets per employee ($millions) | 4.9812% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2499% | 4,833 |
| Loan loss allowance to noncurrent loans | 257.1006% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 6,533 |
| Noncurrent loans to loans | 0.4862% | 6,346 |
| Net loans and leases to total assets | 76.5717% | 1,879 |
| Net loans and leases to deposits | 89.4941% | 2,673 |
| Net loans and leases to core deposits | 135.4910% | 1,125 |
| Total domestic deposits to total assets | 85.5606% | 2,940 |
| Equity capital to assets | 10.1674% | 3,885 |
| Core capital (leverage) ratio | 9.9334% | 3,362 |
| Tier 1 risk-based capital ratio | 12.5174% | 4,530 |
| Total risk-based capital ratio | 13.7317% | 4,509 |
| Memoranda: |
| Average total assets | $249,981,000 | 2,624 |
| Average earning assets | $233,479,000 | 2,582 |
| Average equity | $26,342,000 | 2,523 |
| Average total loans | $198,822,750 | 2,334 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3242% | 5,533 |
| Cost of funding earning assets | 2.3887% | 2,009 |
| Net interest margin | 2.9356% | 6,719 |
| Noninterest income to average assets | 0.2947% | 6,148 |
| Noninterest expense to average assets | 2.6908% | 5,417 |
| Loan and lease loss provision to assets | 0.2216% | 4,814 |
| Net operating income to assets | 0.1051% | 5,548 |
| Return on assets (ROA) | -0.0041% | 5,928 |
| Pretax return on assets | -0.0041% | 5,876 |
| Return on Equity (ROE) | -0.0385% | 5,934 |
| Retained earnings to average equity (ytd only) | -0.0385% | 5,222 |
| Net charge-offs to loans | 0.0123% | 6,384 |
| Credit loss provision to net charge-offs | 2,250.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 33.1667% | 931 |
| Efficiency ratio | 89.1730% | 1,888 |
| Assets per employee ($millions) | 5.0262% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2498% | 4,604 |
| Loan loss allowance to noncurrent loans | 252.3107% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 6,473 |
| Noncurrent loans to loans | 0.4953% | 6,288 |
| Net loans and leases to total assets | 79.0945% | 1,500 |
| Net loans and leases to deposits | 92.8898% | 2,293 |
| Net loans and leases to core deposits | 147.8182% | 704 |
| Total domestic deposits to total assets | 85.1487% | 3,189 |
| Equity capital to assets | 10.3693% | 3,547 |
| Core capital (leverage) ratio | 10.6533% | 2,699 |
| Tier 1 risk-based capital ratio | 12.4982% | 4,524 |
| Total risk-based capital ratio | 13.7054% | 4,480 |
| Memoranda: |
| Average total assets | $243,645,670 | 2,719 |
| Average earning assets | $225,985,330 | 2,682 |
| Average equity | $26,006,330 | 2,554 |
| Average total loans | $195,572,000 | 2,393 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3303% | 5,752 |
| Cost of funding earning assets | 2.4508% | 2,100 |
| Net interest margin | 2.8795% | 6,801 |
| Noninterest income to average assets | 0.2444% | 6,501 |
| Noninterest expense to average assets | 2.4644% | 5,980 |
| Loan and lease loss provision to assets | 0.2528% | 3,948 |
| Net operating income to assets | 0.2107% | 5,627 |
| Return on assets (ROA) | 0.2107% | 5,790 |
| Pretax return on assets | 0.2107% | 5,910 |
| Return on Equity (ROE) | 1.9441% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.9441% | 4,772 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1681% | 2,281 |
| Assets per employee ($millions) | 4.9362% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2500% | 4,438 |
| Loan loss allowance to noncurrent loans | 248.8866% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 6,294 |
| Noncurrent loans to loans | 0.5022% | 6,172 |
| Net loans and leases to total assets | 78.7106% | 1,643 |
| Net loans and leases to deposits | 92.5626% | 2,503 |
| Net loans and leases to core deposits | 145.1985% | 895 |
| Total domestic deposits to total assets | 85.0349% | 3,184 |
| Equity capital to assets | 10.9340% | 3,027 |
| Core capital (leverage) ratio | 11.3176% | 2,263 |
| Tier 1 risk-based capital ratio | 12.9704% | 4,201 |
| Total risk-based capital ratio | 14.1773% | 4,157 |
| Memoranda: |
| Average total assets | $237,301,500 | 2,799 |
| Average earning assets | $221,149,000 | 2,749 |
| Average equity | $25,719,500 | 2,594 |
| Average total loans | $190,702,000 | 2,467 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0606% | 5,246 |
| Cost of funding earning assets | 3.0907% | 1,531 |
| Net interest margin | 2.9699% | 6,987 |
| Noninterest income to average assets | 0.1576% | 7,301 |
| Noninterest expense to average assets | 2.6201% | 5,577 |
| Loan and lease loss provision to assets | 0.3720% | 3,450 |
| Net operating income to assets | -0.0473% | 6,438 |
| Return on assets (ROA) | -0.0473% | 6,289 |
| Pretax return on assets | -0.0473% | 6,207 |
| Return on Equity (ROE) | -0.4571% | 6,291 |
| Retained earnings to average equity (ytd only) | -0.4571% | 5,425 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9713% | 1,587 |
| Assets per employee ($millions) | 4.9521% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2497% | 4,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.0601% | 1,649 |
| Net loans and leases to deposits | 96.5238% | 2,365 |
| Net loans and leases to core deposits | 146.2166% | 1,011 |
| Total domestic deposits to total assets | 82.9434% | 3,794 |
| Equity capital to assets | 10.7347% | 3,267 |
| Core capital (leverage) ratio | 10.9466% | 2,627 |
| Tier 1 risk-based capital ratio | 12.5069% | 4,431 |
| Total risk-based capital ratio | 13.6960% | 4,381 |
| Memoranda: |
| Average total assets | $196,750,400 | 3,182 |
| Average earning assets | $184,650,400 | 3,120 |
| Average equity | $20,346,000 | 3,172 |
| Average total loans | $157,787,200 | 2,805 |
