| 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 | 5.6221% | 1,011 |
| Cost of funding earning assets | 3.8655% | 45 |
| Net interest margin | 1.7566% | 4,463 |
| Noninterest income to average assets | 4.1200% | 144 |
| Noninterest expense to average assets | 4.0303% | 359 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.4189% | 1,183 |
| Return on assets (ROA) | 1.4132% | 1,167 |
| Pretax return on assets | 1.7442% | 974 |
| Return on Equity (ROE) | 12.3400% | 1,881 |
| Retained earnings to average equity (ytd only) | 7.4519% | 1,736 |
| Net charge-offs to loans | 0.1273% | 770 |
| Credit loss provision to net charge-offs | 49.0196% | 2,197 |
| Earnings coverage of net charge-offs (x) | 26.1712% | 1,717 |
| Efficiency ratio | 69.8944% | 1,892 |
| Assets per employee ($millions) | 12.4633% | 371 |
| Cash dividends to net income (ytd only)* | 39.6344% | 2,120 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4746% | 1,124 |
| Loan loss allowance to noncurrent loans | 8,792.4528% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 3,720 |
| Noncurrent loans to loans | 0.0168% | 3,627 |
| Net loans and leases to total assets | 52.9300% | 3,419 |
| Net loans and leases to deposits | 70.9308% | 2,823 |
| Net loans and leases to core deposits | 70.9308% | 3,247 |
| Total domestic deposits to total assets | 74.6200% | 4,060 |
| Equity capital to assets | 11.7756% | 1,207 |
| Core capital (leverage) ratio | 11.4261% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8084% | 960 |
| Memoranda: |
| Average total assets | $2,856,491,800 | 413 |
| Average earning assets | $2,670,261,800 | 400 |
| Average equity | $327,018,200 | 369 |
| Average total loans | $1,481,941,000 | 517 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3419% | 1,225 |
| Cost of funding earning assets | 3.6330% | 53 |
| Net interest margin | 1.7089% | 4,499 |
| Noninterest income to average assets | 3.4300% | 175 |
| Noninterest expense to average assets | 3.8153% | 414 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 1.0456% | 2,234 |
| Return on assets (ROA) | 1.0460% | 2,218 |
| Pretax return on assets | 1.2574% | 2,155 |
| Return on Equity (ROE) | 9.2000% | 2,871 |
| Retained earnings to average equity (ytd only) | 5.4804% | 2,783 |
| Net charge-offs to loans | 0.1214% | 664 |
| Credit loss provision to net charge-offs | 47.7769% | 1,907 |
| Earnings coverage of net charge-offs (x) | 19.3421% | 1,836 |
| Efficiency ratio | 75.8593% | 1,183 |
| Assets per employee ($millions) | 12.5338% | 331 |
| Cash dividends to net income (ytd only)* | 40.4622% | 1,635 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4957% | 1,121 |
| Loan loss allowance to noncurrent loans | 16,367.3611% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,820 |
| Noncurrent loans to loans | 0.0091% | 3,737 |
| Net loans and leases to total assets | 52.7000% | 3,444 |
| Net loans and leases to deposits | 70.4121% | 2,818 |
| Net loans and leases to core deposits | 70.4259% | 3,188 |
| Total domestic deposits to total assets | 74.8400% | 4,099 |
| Equity capital to assets | 10.9572% | 1,361 |
| Core capital (leverage) ratio | 11.6272% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3761% | 1,043 |
| Memoranda: |
| Average total assets | $2,835,279,000 | 416 |
| Average earning assets | $2,647,463,000 | 404 |
| Average equity | $322,182,250 | 374 |
| Average total loans | $1,457,409,750 | 526 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9888% | 1,583 |
| Cost of funding earning assets | 3.2972% | 49 |
| Net interest margin | 1.6916% | 4,557 |
| Noninterest income to average assets | 3.4100% | 166 |
| Noninterest expense to average assets | 3.8090% | 401 |
| Loan and lease loss provision to assets | -0.0600% | 4,518 |
| Net operating income to assets | 1.0344% | 2,303 |
| Return on assets (ROA) | 1.0350% | 2,298 |
| Pretax return on assets | 1.2367% | 2,265 |
| Return on Equity (ROE) | 9.0000% | 2,989 |
| Retained earnings to average equity (ytd only) | 5.2684% | 2,873 |
| Net charge-offs to loans | 0.1145% | 624 |
| Credit loss provision to net charge-offs | 111.2069% | 1,371 |
| Earnings coverage of net charge-offs (x) | 20.3054% | 1,734 |
| Efficiency ratio | 76.2621% | 1,151 |
| Assets per employee ($millions) | 12.4976% | 332 |
| Cash dividends to net income (ytd only)* | 41.4307% | 1,627 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5785% | 970 |
| Loan loss allowance to noncurrent loans | 28,317.4419% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,860 |
| Noncurrent loans to loans | 0.0056% | 3,766 |
| Net loans and leases to total assets | 51.2700% | 3,469 |
| Net loans and leases to deposits | 67.4794% | 2,951 |
| Net loans and leases to core deposits | 67.4923% | 3,264 |
| Total domestic deposits to total assets | 75.9700% | 4,042 |
| Equity capital to assets | 10.9946% | 1,391 |
| Core capital (leverage) ratio | 12.4993% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3274% | 1,059 |
| Memoranda: |
| Average total assets | $2,798,554,667 | 405 |
| Average earning assets | $2,612,324,333 | 396 |
| Average equity | $321,996,333 | 365 |
| Average total loans | $1,417,966,667 | 524 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7275% | 1,782 |
| Cost of funding earning assets | 3.0387% | 30 |
| Net interest margin | 1.6888% | 4,618 |
| Noninterest income to average assets | 3.5300% | 157 |
| Noninterest expense to average assets | 3.7499% | 425 |
| Loan and lease loss provision to assets | -0.0900% | 4,566 |
| Net operating income to assets | 1.1992% | 1,933 |
| Return on assets (ROA) | 1.1992% | 1,893 |
| Pretax return on assets | 1.4390% | 1,792 |
| Return on Equity (ROE) | 10.1800% | 2,732 |
| Retained earnings to average equity (ytd only) | 10.1759% | 1,657 |
| Net charge-offs to loans | 0.1145% | 548 |
| Credit loss provision to net charge-offs | 139.6907% | 976 |
| Earnings coverage of net charge-offs (x) | 23.6649% | 1,400 |
| Efficiency ratio | 73.3897% | 1,400 |
| Assets per employee ($millions) | 11.8632% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6152% | 983 |
| Loan loss allowance to noncurrent loans | 32,554.6667% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,832 |
| Noncurrent loans to loans | 0.0050% | 3,813 |
| Net loans and leases to total assets | 51.5900% | 3,376 |
| Net loans and leases to deposits | 68.7969% | 2,713 |
| Net loans and leases to core deposits | 72.1488% | 2,808 |
| Total domestic deposits to total assets | 74.9900% | 4,224 |
| Equity capital to assets | 11.2825% | 1,233 |
| Core capital (leverage) ratio | 13.3922% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0333% | 988 |
| Memoranda: |
| Average total assets | $2,716,865,000 | 433 |
| Average earning assets | $2,529,116,000 | 421 |
| Average equity | $320,168,000 | 378 |
| Average total loans | $1,355,536,500 | 561 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4335% | 4,525 |
| Cost of funding earning assets | 1.1319% | 93 |
| Net interest margin | 1.3016% | 4,651 |
| Noninterest income to average assets | 3.2600% | 169 |
| Noninterest expense to average assets | 3.4221% | 535 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8755% | 3,062 |
| Return on assets (ROA) | 0.8054% | 3,235 |
| Pretax return on assets | 0.9492% | 3,221 |
| Return on Equity (ROE) | 8.2800% | 3,314 |
| Retained earnings to average equity (ytd only) | 1.5744% | 4,082 |
| Net charge-offs to loans | 0.1017% | 728 |
| Credit loss provision to net charge-offs | 76.8602% | 1,696 |
| Earnings coverage of net charge-offs (x) | 29.2167% | 1,698 |
| Efficiency ratio | 76.2244% | 988 |
| Assets per employee ($millions) | 10.4122% | 588 |
| Cash dividends to net income (ytd only)* | 80.9955% | 425 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4779% | 215 |
| Loan loss allowance to noncurrent loans | 41,859.1549% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,848 |
| Noncurrent loans to loans | 0.0059% | 3,829 |
| Net loans and leases to total assets | 45.8500% | 3,813 |
| Net loans and leases to deposits | 57.1437% | 3,504 |
| Net loans and leases to core deposits | 57.1557% | 3,665 |
| Total domestic deposits to total assets | 80.2400% | 3,839 |
| Equity capital to assets | 12.3517% | 833 |
| Core capital (leverage) ratio | 12.5645% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9710% | 723 |
| Memoranda: |
| Average total assets | $3,372,342,600 | 357 |
| Average earning assets | $3,161,251,800 | 345 |
| Average equity | $327,875,800 | 365 |
| Average total loans | $1,202,450,800 | 581 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0597% | 4,596 |
| Cost of funding earning assets | 0.7768% | 167 |
| Net interest margin | 1.2829% | 4,664 |
| Noninterest income to average assets | 3.1500% | 177 |
| Noninterest expense to average assets | 3.1578% | 724 |
| Loan and lease loss provision to assets | -0.1200% | 4,606 |
| Net operating income to assets | 1.0915% | 2,136 |
| Return on assets (ROA) | 1.0915% | 2,100 |
| Pretax return on assets | 1.3111% | 2,009 |
| Return on Equity (ROE) | 11.8000% | 2,101 |
| Retained earnings to average equity (ytd only) | 8.7749% | 1,735 |
| Net charge-offs to loans | 0.0937% | 658 |
| Credit loss provision to net charge-offs | -372.3404% | 4,680 |
| Earnings coverage of net charge-offs (x) | 37.8617% | 1,412 |
| Efficiency ratio | 72.4355% | 1,457 |
| Assets per employee ($millions) | 11.1417% | 477 |
| Cash dividends to net income (ytd only)* | 25.6069% | 2,229 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0981% | 410 |
| Loan loss allowance to noncurrent loans | 53,075.5102% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 3,965 |
| Noncurrent loans to loans | 0.0040% | 3,933 |
| Net loans and leases to total assets | 38.7600% | 4,114 |
| Net loans and leases to deposits | 48.0959% | 3,949 |
| Net loans and leases to core deposits | 48.1041% | 4,025 |
| Total domestic deposits to total assets | 80.5900% | 4,042 |
| Equity capital to assets | 10.2553% | 1,490 |
| Core capital (leverage) ratio | 11.3981% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2074% | 712 |
| Memoranda: |
| Average total assets | $3,577,683,250 | 338 |
| Average earning assets | $3,360,312,750 | 325 |
| Average equity | $331,072,250 | 365 |
| Average total loans | $1,203,216,000 | 573 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7167% | 4,676 |
| Cost of funding earning assets | 0.4348% | 746 |
| Net interest margin | 1.2820% | 4,708 |
| Noninterest income to average assets | 3.0400% | 150 |
| Noninterest expense to average assets | 2.9751% | 873 |
| Loan and lease loss provision to assets | 0.0272% | 2,105 |
| Net operating income to assets | 1.0300% | 2,045 |
| Return on assets (ROA) | 1.0300% | 2,019 |
| Pretax return on assets | 1.2443% | 1,920 |
| Return on Equity (ROE) | 11.4789% | 1,839 |
| Retained earnings to average equity (ytd only) | 6.9933% | 1,992 |
| Net charge-offs to loans | 0.0843% | 651 |
| Credit loss provision to net charge-offs | 100.9960% | 1,269 |
| Earnings coverage of net charge-offs (x) | 47.1952% | 1,186 |
| Efficiency ratio | 69.9361% | 1,968 |
| Assets per employee ($millions) | 11.1357% | 473 |
| Cash dividends to net income (ytd only)* | 39.0767% | 1,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4591% | 273 |
| Loan loss allowance to noncurrent loans | 23,443.7500% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,942 |
| Noncurrent loans to loans | 0.0105% | 3,911 |
| Net loans and leases to total assets | 37.6374% | 4,185 |
| Net loans and leases to deposits | 44.6054% | 4,088 |
| Net loans and leases to core deposits | 44.6126% | 4,173 |
| Total domestic deposits to total assets | 84.3785% | 3,609 |
| Equity capital to assets | 10.3470% | 1,510 |
| Core capital (leverage) ratio | 9.6982% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2096% | 688 |
| Memoranda: |
| Average total assets | $3,726,636,000 | 324 |
| Average earning assets | $3,507,623,333 | 320 |
| Average equity | $334,404,333 | 363 |
| Average total loans | $1,191,105,000 | 566 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4039% | 4,729 |
| Cost of funding earning assets | 0.2432% | 2,235 |
| Net interest margin | 1.1607% | 4,736 |
| Noninterest income to average assets | 2.8930% | 165 |
| Noninterest expense to average assets | 2.6896% | 1,392 |
| Loan and lease loss provision to assets | 0.0212% | 1,974 |
| Net operating income to assets | 1.0537% | 1,673 |
| Return on assets (ROA) | 1.0537% | 1,665 |
| Pretax return on assets | 1.2809% | 1,562 |
| Return on Equity (ROE) | 12.4973% | 1,164 |
| Retained earnings to average equity (ytd only) | 8.3552% | 1,469 |
| Net charge-offs to loans | 0.0711% | 640 |
| Credit loss provision to net charge-offs | 101.4354% | 1,004 |
| Earnings coverage of net charge-offs (x) | 62.4354% | 839 |
| Efficiency ratio | 67.2575% | 2,599 |
| Assets per employee ($millions) | 14.5926% | 222 |
| Cash dividends to net income (ytd only)* | 33.1439% | 1,676 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5297% | 280 |
| Loan loss allowance to noncurrent loans | 19,358.7097% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,005 |
| Noncurrent loans to loans | 0.0131% | 3,923 |
| Net loans and leases to total assets | 28.6018% | 4,488 |
| Net loans and leases to deposits | 32.7442% | 4,473 |
| Net loans and leases to core deposits | 33.6049% | 4,488 |
| Total domestic deposits to total assets | 87.3491% | 2,798 |
| Equity capital to assets | 8.2321% | 3,379 |
| Core capital (leverage) ratio | 8.1380% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6467% | 679 |
| Memoranda: |
| Average total assets | $4,008,690,000 | 318 |
| Average earning assets | $3,794,173,500 | 312 |
| Average equity | $337,992,500 | 368 |
| Average total loans | $1,176,506,500 | 575 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4367% | 4,754 |
| Cost of funding earning assets | 0.2836% | 2,564 |
| Net interest margin | 1.1531% | 4,766 |
| Noninterest income to average assets | 2.8014% | 200 |
| Noninterest expense to average assets | 2.8670% | 1,225 |
| Loan and lease loss provision to assets | 0.0128% | 2,826 |
| Net operating income to assets | 0.8445% | 3,205 |
| Return on assets (ROA) | 0.8445% | 3,271 |
| Pretax return on assets | 1.0197% | 3,203 |
| Return on Equity (ROE) | 10.1746% | 2,470 |
| Retained earnings to average equity (ytd only) | 8.3008% | 1,424 |
| Net charge-offs to loans | 0.0919% | 904 |
| Credit loss provision to net charge-offs | 45.3297% | 2,166 |
| Earnings coverage of net charge-offs (x) | 36.4762% | 1,488 |
| Efficiency ratio | 73.3221% | 1,387 |
| Assets per employee ($millions) | 14.1972% | 232 |
| Cash dividends to net income (ytd only)* | 18.4162% | 3,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5712% | 250 |
| Loan loss allowance to noncurrent loans | 28,574.2857% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 4,105 |
| Noncurrent loans to loans | 0.0090% | 4,037 |
| Net loans and leases to total assets | 28.5990% | 4,552 |
| Net loans and leases to deposits | 32.5412% | 4,567 |
| Net loans and leases to core deposits | 34.0055% | 4,557 |
| Total domestic deposits to total assets | 87.8857% | 2,108 |
| Equity capital to assets | 8.6342% | 3,954 |
| Core capital (leverage) ratio | 7.9234% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3413% | 615 |
| Memoranda: |
| Average total assets | $3,857,883,000 | 310 |
| Average earning assets | $3,673,951,600 | 301 |
| Average equity | $320,210,400 | 377 |
| Average total loans | $1,188,784,000 | 565 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.4754% | 4,834 |
| Cost of funding earning assets | 0.2796% | 2,803 |
| Net interest margin | 1.1958% | 4,844 |
| Noninterest income to average assets | 2.8143% | 215 |
| Noninterest expense to average assets | 2.8034% | 1,331 |
| Loan and lease loss provision to assets | 0.0341% | 2,321 |
| Net operating income to assets | 0.9238% | 3,170 |
| Return on assets (ROA) | 0.9238% | 3,243 |
| Pretax return on assets | 1.1169% | 3,166 |
| Return on Equity (ROE) | 11.2475% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.5515% | 1,463 |
| Net charge-offs to loans | 0.0863% | 824 |
| Credit loss provision to net charge-offs | 126.5201% | 1,436 |
| Earnings coverage of net charge-offs (x) | 42.7555% | 1,326 |
| Efficiency ratio | 70.7107% | 1,527 |
| Assets per employee ($millions) | 15.2598% | 200 |
| Cash dividends to net income (ytd only)* | 15.0790% | 2,773 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7786% | 198 |
| Loan loss allowance to noncurrent loans | 5,017.1010% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 4,121 |
| Noncurrent loans to loans | 0.0554% | 3,830 |
| Net loans and leases to total assets | 25.7788% | 4,711 |
| Net loans and leases to deposits | 29.7152% | 4,706 |
| Net loans and leases to core deposits | 31.3635% | 4,698 |
| Total domestic deposits to total assets | 86.7528% | 2,445 |
| Equity capital to assets | 8.1416% | 4,445 |
| Core capital (leverage) ratio | 8.0495% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7535% | 620 |
| Memoranda: |
| Average total assets | $3,828,548,000 | 312 |
| Average earning assets | $3,650,372,250 | 305 |
| Average equity | $314,455,500 | 387 |
| Average total loans | $1,194,260,250 | 578 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.5825% | 4,860 |
| Cost of funding earning assets | 0.2765% | 3,028 |
| Net interest margin | 1.3060% | 4,865 |
| Noninterest income to average assets | 2.9174% | 196 |
| Noninterest expense to average assets | 2.8296% | 1,288 |
| Loan and lease loss provision to assets | 0.1335% | 923 |
| Net operating income to assets | 0.9889% | 2,928 |
| Return on assets (ROA) | 0.9889% | 3,019 |
| Pretax return on assets | 1.1983% | 2,916 |
| Return on Equity (ROE) | 12.0005% | 2,069 |
| Retained earnings to average equity (ytd only) | 10.6925% | 1,196 |
| Net charge-offs to loans | 0.0963% | 758 |
| Credit loss provision to net charge-offs | 420.7131% | 740 |
| Earnings coverage of net charge-offs (x) | 41.9576% | 1,143 |
| Efficiency ratio | 67.8076% | 1,902 |
| Assets per employee ($millions) | 13.7969% | 244 |
| Cash dividends to net income (ytd only)* | 10.8998% | 2,835 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8890% | 171 |
| Loan loss allowance to noncurrent loans | 6,471.9124% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 4,207 |
| Noncurrent loans to loans | 0.0446% | 3,962 |
| Net loans and leases to total assets | 28.7831% | 4,691 |
| Net loans and leases to deposits | 33.3591% | 4,695 |
| Net loans and leases to core deposits | 35.4189% | 4,685 |
| Total domestic deposits to total assets | 86.2825% | 2,637 |
| Equity capital to assets | 8.7956% | 3,980 |
| Core capital (leverage) ratio | 8.4127% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8859% | 624 |
| Memoranda: |
| Average total assets | $3,711,004,000 | 315 |
| Average earning assets | $3,535,132,333 | 307 |
| Average equity | $305,802,667 | 395 |
| Average total loans | $1,222,793,333 | 563 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.6743% | 4,886 |
| Cost of funding earning assets | 0.2864% | 3,135 |
| Net interest margin | 1.3879% | 4,890 |
| Noninterest income to average assets | 2.7986% | 223 |
| Noninterest expense to average assets | 2.7313% | 1,544 |
| Loan and lease loss provision to assets | 0.2505% | 420 |
| Net operating income to assets | 0.9431% | 2,997 |
| Return on assets (ROA) | 0.9431% | 3,083 |
| Pretax return on assets | 1.1387% | 3,016 |
| Return on Equity (ROE) | 11.8583% | 2,068 |
| Retained earnings to average equity (ytd only) | 9.1172% | 1,911 |
| Net charge-offs to loans | 0.0928% | 724 |
| Credit loss provision to net charge-offs | 778.9831% | 482 |
| Earnings coverage of net charge-offs (x) | 43.2000% | 961 |
| Efficiency ratio | 66.0767% | 2,221 |
| Assets per employee ($millions) | 12.6700% | 300 |
| Cash dividends to net income (ytd only)* | 23.1160% | 1,911 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6460% | 217 |
| Loan loss allowance to noncurrent loans | 26,723.7705% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,381 |
| Noncurrent loans to loans | 0.0099% | 4,266 |
| Net loans and leases to total assets | 33.4553% | 4,592 |
| Net loans and leases to deposits | 38.2419% | 4,616 |
| Net loans and leases to core deposits | 40.7059% | 4,599 |
| Total domestic deposits to total assets | 87.4834% | 2,098 |
| Equity capital to assets | 8.2213% | 4,343 |
| Core capital (leverage) ratio | 6.7781% | 4,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1372% | 1,047 |
| Memoranda: |
| Average total assets | $3,669,431,000 | 320 |
| Average earning assets | $3,494,988,500 | 309 |
| Average equity | $291,845,500 | 400 |
| Average total loans | $1,271,909,000 | 548 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0282% | 4,912 |
| Cost of funding earning assets | 0.4989% | 2,954 |
| Net interest margin | 1.5293% | 4,918 |
| Noninterest income to average assets | 3.0194% | 190 |
| Noninterest expense to average assets | 3.0778% | 1,275 |
| Loan and lease loss provision to assets | 0.5416% | 412 |
| Net operating income to assets | 0.7176% | 3,371 |
| Return on assets (ROA) | 0.7176% | 3,502 |
| Pretax return on assets | 0.8560% | 3,492 |
| Return on Equity (ROE) | 8.5275% | 2,584 |
| Retained earnings to average equity (ytd only) | 3.5560% | 3,057 |
| Net charge-offs to loans | 0.1268% | 1,244 |
| Credit loss provision to net charge-offs | 1,122.2291% | 718 |
| Earnings coverage of net charge-offs (x) | 28.9598% | 1,642 |
| Efficiency ratio | 68.4949% | 2,165 |
| Assets per employee ($millions) | 13.2624% | 247 |
| Cash dividends to net income (ytd only)* | 58.2993% | 1,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3330% | 331 |
| Loan loss allowance to noncurrent loans | 23,181.8182% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,217 |
| Noncurrent loans to loans | 0.0101% | 4,340 |
| Net loans and leases to total assets | 34.1314% | 4,640 |
| Net loans and leases to deposits | 39.4149% | 4,670 |
| Net loans and leases to core deposits | 42.0825% | 4,651 |
| Total domestic deposits to total assets | 86.5951% | 2,113 |
| Equity capital to assets | 7.6975% | 4,801 |
| Core capital (leverage) ratio | 7.1725% | 4,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2756% | 1,196 |
| Memoranda: |
| Average total assets | $3,346,370,200 | 318 |
| Average earning assets | $3,186,261,200 | 308 |
| Average equity | $281,605,200 | 393 |
| Average total loans | $1,274,104,800 | 522 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1704% | 4,953 |
| Cost of funding earning assets | 0.5773% | 2,755 |
| Net interest margin | 1.5932% | 4,959 |
| Noninterest income to average assets | 3.0236% | 183 |
| Noninterest expense to average assets | 3.1442% | 1,164 |
| Loan and lease loss provision to assets | 0.5474% | 501 |
| Net operating income to assets | 0.7155% | 3,411 |
| Return on assets (ROA) | 0.7155% | 3,509 |
| Pretax return on assets | 0.8483% | 3,520 |
| Return on Equity (ROE) | 8.2982% | 2,687 |
| Retained earnings to average equity (ytd only) | 2.5796% | 3,696 |
| Net charge-offs to loans | 0.1483% | 990 |
| Credit loss provision to net charge-offs | 946.7662% | 862 |
| Earnings coverage of net charge-offs (x) | 24.1407% | 1,765 |
| Efficiency ratio | 68.9766% | 2,043 |
| Assets per employee ($millions) | 12.8776% | 268 |
| Cash dividends to net income (ytd only)* | 68.9140% | 854 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0472% | 458 |
| Loan loss allowance to noncurrent loans | 4,943.9163% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 4,180 |
| Noncurrent loans to loans | 0.0414% | 4,221 |
| Net loans and leases to total assets | 34.3847% | 4,727 |
| Net loans and leases to deposits | 39.2756% | 4,772 |
| Net loans and leases to core deposits | 42.0098% | 4,745 |
| Total domestic deposits to total assets | 87.5472% | 1,420 |
| Equity capital to assets | 7.8572% | 4,760 |
| Core capital (leverage) ratio | 7.3555% | 4,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2588% | 1,196 |
| Memoranda: |
| Average total assets | $3,244,650,500 | 318 |
| Average earning assets | $3,088,136,000 | 309 |
| Average equity | $279,779,750 | 386 |
| Average total loans | $1,264,722,000 | 515 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3772% | 4,983 |
| Cost of funding earning assets | 0.7218% | 2,278 |
| Net interest margin | 1.6555% | 5,001 |
| Noninterest income to average assets | 2.9707% | 166 |
| Noninterest expense to average assets | 3.2444% | 1,083 |
| Loan and lease loss provision to assets | 0.4337% | 896 |
| Net operating income to assets | 0.7297% | 3,285 |
| Return on assets (ROA) | 0.7297% | 3,392 |
| Pretax return on assets | 0.8656% | 3,412 |
| Return on Equity (ROE) | 8.1814% | 2,672 |
| Retained earnings to average equity (ytd only) | 2.4315% | 3,602 |
| Net charge-offs to loans | 0.1585% | 934 |
| Credit loss provision to net charge-offs | 675.8242% | 1,022 |
| Earnings coverage of net charge-offs (x) | 20.2478% | 1,692 |
| Efficiency ratio | 71.1216% | 1,804 |
| Assets per employee ($millions) | 13.1810% | 242 |
| Cash dividends to net income (ytd only)* | 70.2802% | 937 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5244% | 1,196 |
| Loan loss allowance to noncurrent loans | 3,732.1429% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 4,283 |
| Noncurrent loans to loans | 0.0408% | 4,318 |
| Net loans and leases to total assets | 33.7876% | 4,784 |
| Net loans and leases to deposits | 38.3007% | 4,827 |
| Net loans and leases to core deposits | 46.7716% | 4,698 |
| Total domestic deposits to total assets | 88.2166% | 1,076 |
| Equity capital to assets | 7.3995% | 4,902 |
| Core capital (leverage) ratio | 7.5524% | 4,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8926% | 1,268 |
| Memoranda: |
| Average total assets | $3,120,002,000 | 323 |
| Average earning assets | $2,964,372,000 | 313 |
| Average equity | $278,266,000 | 386 |
| Average total loans | $1,262,879,667 | 509 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9728% | 4,962 |
| Cost of funding earning assets | 1.1660% | 858 |
| Net interest margin | 1.8068% | 5,044 |
| Noninterest income to average assets | 3.4871% | 127 |
| Noninterest expense to average assets | 3.8379% | 594 |
| Loan and lease loss provision to assets | 0.6140% | 448 |
| Net operating income to assets | 0.6328% | 3,504 |
| Return on assets (ROA) | 0.6328% | 3,565 |
| Pretax return on assets | 0.7412% | 3,563 |
| Return on Equity (ROE) | 6.3563% | 3,190 |
| Retained earnings to average equity (ytd only) | 0.5792% | 3,851 |
| Net charge-offs to loans | 0.1818% | 743 |
| Credit loss provision to net charge-offs | 755.7522% | 684 |
| Earnings coverage of net charge-offs (x) | 16.6814% | 1,517 |
| Efficiency ratio | 73.6163% | 1,869 |
| Assets per employee ($millions) | 9.9688% | 386 |
| Cash dividends to net income (ytd only)* | 90.8884% | 850 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4050% | 1,676 |
| Loan loss allowance to noncurrent loans | 367.9901% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 3,815 |
| Noncurrent loans to loans | 0.3818% | 3,120 |
| Net loans and leases to total assets | 43.8014% | 4,518 |
| Net loans and leases to deposits | 50.8962% | 4,564 |
| Net loans and leases to core deposits | 55.5650% | 4,510 |
| Total domestic deposits to total assets | 86.0603% | 1,978 |
| Equity capital to assets | 9.7739% | 3,977 |
| Core capital (leverage) ratio | 9.1155% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8843% | 1,376 |
| Memoranda: |
| Average total assets | $2,781,934,500 | 338 |
| Average earning assets | $2,626,713,000 | 330 |
| Average equity | $276,951,500 | 384 |
| Average total loans | $1,243,080,500 | 496 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4320% | 4,903 |
| Cost of funding earning assets | 1.6477% | 244 |
| Net interest margin | 1.7843% | 5,113 |
| Noninterest income to average assets | 3.7689% | 117 |
| Noninterest expense to average assets | 4.2183% | 419 |
| Loan and lease loss provision to assets | 0.1245% | 1,705 |
| Net operating income to assets | 0.9055% | 3,190 |
| Return on assets (ROA) | 0.9053% | 3,281 |
| Pretax return on assets | 1.1029% | 3,153 |
| Return on Equity (ROE) | 8.8124% | 2,840 |
| Retained earnings to average equity (ytd only) | 3.2030% | 3,419 |
| Net charge-offs to loans | 0.1977% | 1,027 |
| Credit loss provision to net charge-offs | 144.6030% | 1,777 |
| Earnings coverage of net charge-offs (x) | 14.2547% | 2,294 |
| Efficiency ratio | 77.0756% | 1,258 |
| Assets per employee ($millions) | 9.6198% | 395 |
| Cash dividends to net income (ytd only)* | 63.6537% | 1,405 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1554% | 2,672 |
| Loan loss allowance to noncurrent loans | 652.3611% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 4,240 |
| Noncurrent loans to loans | 0.1771% | 3,825 |
| Net loans and leases to total assets | 44.4362% | 4,584 |
| Net loans and leases to deposits | 52.0967% | 4,604 |
| Net loans and leases to core deposits | 57.1888% | 4,547 |
| Total domestic deposits to total assets | 85.2956% | 2,383 |
| Equity capital to assets | 10.1461% | 3,793 |
| Core capital (leverage) ratio | 9.6398% | 3,914 |
| Tier 1 risk-based capital ratio | 16.0302% | 2,394 |
| Total risk-based capital ratio | 16.8728% | 2,473 |
| Memoranda: |
| Average total assets | $2,603,122,200 | 346 |
| Average earning assets | $2,446,732,000 | 333 |
| Average equity | $267,406,600 | 376 |
| Average total loans | $1,134,258,600 | 516 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4740% | 4,973 |
| Cost of funding earning assets | 1.7223% | 181 |
| Net interest margin | 1.7517% | 5,205 |
| Noninterest income to average assets | 3.7660% | 122 |
| Noninterest expense to average assets | 4.2142% | 406 |
| Loan and lease loss provision to assets | 0.1078% | 1,800 |
| Net operating income to assets | 0.8917% | 3,376 |
| Return on assets (ROA) | 0.8915% | 3,453 |
| Pretax return on assets | 1.0893% | 3,324 |
| Return on Equity (ROE) | 8.6503% | 3,032 |
| Retained earnings to average equity (ytd only) | 2.6229% | 4,039 |
| Net charge-offs to loans | 0.2015% | 866 |
| Credit loss provision to net charge-offs | 123.7812% | 1,903 |
| Earnings coverage of net charge-offs (x) | 13.7521% | 2,271 |
| Efficiency ratio | 77.3909% | 1,167 |
| Assets per employee ($millions) | 9.1760% | 450 |
| Cash dividends to net income (ytd only)* | 69.6783% | 966 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1074% | 2,992 |
| Loan loss allowance to noncurrent loans | 755.7983% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 4,378 |
| Noncurrent loans to loans | 0.1465% | 4,014 |
| Net loans and leases to total assets | 45.7460% | 4,615 |
| Net loans and leases to deposits | 53.0560% | 4,667 |
| Net loans and leases to core deposits | 58.3604% | 4,591 |
| Total domestic deposits to total assets | 86.2221% | 1,895 |
| Equity capital to assets | 10.2595% | 3,765 |
| Core capital (leverage) ratio | 10.4029% | 3,194 |
| Tier 1 risk-based capital ratio | 16.0308% | 2,414 |
| Total risk-based capital ratio | 16.8482% | 2,540 |
| Memoranda: |
| Average total assets | $2,575,704,000 | 351 |
| Average earning assets | $2,419,559,500 | 339 |
| Average equity | $265,447,500 | 381 |
| Average total loans | $1,112,934,750 | 522 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4767% | 5,023 |
| Cost of funding earning assets | 1.7452% | 159 |
| Net interest margin | 1.7316% | 5,266 |
| Noninterest income to average assets | 3.6529% | 124 |
| Noninterest expense to average assets | 4.1734% | 426 |
| Loan and lease loss provision to assets | 0.0867% | 2,114 |
| Net operating income to assets | 0.8481% | 3,478 |
| Return on assets (ROA) | 0.8481% | 3,535 |
| Pretax return on assets | 1.0174% | 3,482 |
| Return on Equity (ROE) | 8.2170% | 3,191 |
| Retained earnings to average equity (ytd only) | 1.3954% | 4,321 |
| Net charge-offs to loans | 0.2056% | 808 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 12.7374% | 2,135 |
| Efficiency ratio | 78.4755% | 1,095 |
| Assets per employee ($millions) | 8.8638% | 493 |
| Cash dividends to net income (ytd only)* | 83.0182% | 764 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1959% | 2,548 |
| Loan loss allowance to noncurrent loans | 545.6857% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 4,300 |
| Noncurrent loans to loans | 0.2192% | 3,755 |
| Net loans and leases to total assets | 42.0759% | 4,779 |
| Net loans and leases to deposits | 54.3889% | 4,671 |
| Net loans and leases to core deposits | 60.6833% | 4,552 |
| Total domestic deposits to total assets | 77.3611% | 4,514 |
| Equity capital to assets | 10.3543% | 3,646 |
| Core capital (leverage) ratio | 11.0539% | 2,541 |
| Tier 1 risk-based capital ratio | 16.7367% | 2,164 |
| Total risk-based capital ratio | 17.5760% | 2,238 |
| Memoranda: |
| Average total assets | $2,556,431,000 | 355 |
| Average earning assets | $2,398,528,670 | 346 |
| Average equity | $263,867,670 | 384 |
| Average total loans | $1,077,839,000 | 539 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4905% | 5,051 |
| Cost of funding earning assets | 1.7606% | 121 |
| Net interest margin | 1.7300% | 5,335 |
| Noninterest income to average assets | 3.5320% | 118 |
| Noninterest expense to average assets | 4.1850% | 411 |
| Loan and lease loss provision to assets | 0.0841% | 2,018 |
| Net operating income to assets | 0.7446% | 3,787 |
| Return on assets (ROA) | 0.7446% | 3,837 |
| Pretax return on assets | 0.8851% | 3,817 |
| Return on Equity (ROE) | 7.2258% | 3,585 |
| Retained earnings to average equity (ytd only) | 1.1358% | 4,284 |
| Net charge-offs to loans | 0.2005% | 701 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 11.5243% | 1,903 |
| Efficiency ratio | 80.5784% | 999 |
| Assets per employee ($millions) | 8.9781% | 483 |
| Cash dividends to net income (ytd only)* | 84.2815% | 850 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2191% | 2,483 |
| Loan loss allowance to noncurrent loans | 620.7207% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 4,395 |
| Noncurrent loans to loans | 0.1964% | 3,888 |
| Net loans and leases to total assets | 41.0219% | 4,862 |
| Net loans and leases to deposits | 52.3008% | 4,746 |
| Net loans and leases to core deposits | 58.2229% | 4,639 |
| Total domestic deposits to total assets | 78.4345% | 4,445 |
| Equity capital to assets | 10.2564% | 3,566 |
| Core capital (leverage) ratio | 10.8406% | 2,726 |
| Tier 1 risk-based capital ratio | 17.0576% | 2,090 |
| Total risk-based capital ratio | 17.9176% | 2,163 |
| Memoranda: |
| Average total assets | $2,549,397,000 | 360 |
| Average earning assets | $2,390,573,500 | 350 |
| Average equity | $262,723,500 | 384 |
| Average total loans | $1,069,433,000 | 544 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2145% | 5,140 |
| Cost of funding earning assets | 1.4513% | 110 |
| Net interest margin | 1.7632% | 5,360 |
| Noninterest income to average assets | 3.9008% | 109 |
| Noninterest expense to average assets | 4.4758% | 307 |
| Loan and lease loss provision to assets | 0.0878% | 2,389 |
| Net operating income to assets | 0.8381% | 3,655 |
| Return on assets (ROA) | 0.8380% | 3,653 |
| Pretax return on assets | 0.9909% | 3,638 |
| Return on Equity (ROE) | 8.1739% | 3,363 |
| Retained earnings to average equity (ytd only) | 3.5104% | 3,656 |
| Net charge-offs to loans | 0.2129% | 900 |
| Credit loss provision to net charge-offs | 100.0454% | 2,509 |
| Earnings coverage of net charge-offs (x) | 12.2923% | 2,545 |
| Efficiency ratio | 79.5633% | 996 |
| Assets per employee ($millions) | 8.6065% | 531 |
| Cash dividends to net income (ytd only)* | 57.0532% | 1,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2291% | 2,414 |
| Loan loss allowance to noncurrent loans | 718.8907% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 4,459 |
| Noncurrent loans to loans | 0.1710% | 3,982 |
| Net loans and leases to total assets | 41.8600% | 4,884 |
| Net loans and leases to deposits | 56.1530% | 4,657 |
| Net loans and leases to core deposits | 63.0953% | 4,490 |
| Total domestic deposits to total assets | 74.5464% | 4,911 |
| Equity capital to assets | 10.3557% | 3,322 |
| Core capital (leverage) ratio | 10.8288% | 2,698 |
| Tier 1 risk-based capital ratio | 16.8697% | 2,110 |
| Total risk-based capital ratio | 17.7235% | 2,185 |
| Memoranda: |
| Average total assets | $2,509,976,000 | 359 |
| Average earning assets | $2,354,342,000 | 351 |
| Average equity | $257,318,000 | 380 |
| Average total loans | $1,034,518,200 | 545 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1403% | 5,227 |
| Cost of funding earning assets | 1.3756% | 108 |
| Net interest margin | 1.7647% | 5,428 |
| Noninterest income to average assets | 4.0051% | 117 |
| Noninterest expense to average assets | 4.6044% | 267 |
| Loan and lease loss provision to assets | 0.0867% | 2,240 |
| Net operating income to assets | 0.8255% | 3,820 |
| Return on assets (ROA) | 0.8254% | 3,830 |
| Pretax return on assets | 0.9706% | 3,815 |
| Return on Equity (ROE) | 8.0720% | 3,514 |
| Retained earnings to average equity (ytd only) | 3.3953% | 4,066 |
| Net charge-offs to loans | 0.2118% | 805 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 12.2011% | 2,465 |
| Efficiency ratio | 80.6190% | 890 |
| Assets per employee ($millions) | 8.4767% | 533 |
| Cash dividends to net income (ytd only)* | 57.9374% | 1,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2440% | 2,387 |
| Loan loss allowance to noncurrent loans | 683.7767% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,594 |
| Noncurrent loans to loans | 0.1819% | 4,075 |
| Net loans and leases to total assets | 40.9190% | 5,002 |
| Net loans and leases to deposits | 56.1278% | 4,747 |
| Net loans and leases to core deposits | 63.1588% | 4,566 |
| Total domestic deposits to total assets | 72.9033% | 5,064 |
| Equity capital to assets | 10.1406% | 3,500 |
| Core capital (leverage) ratio | 10.7798% | 2,817 |
| Tier 1 risk-based capital ratio | 17.3388% | 1,985 |
| Total risk-based capital ratio | 18.2267% | 2,063 |
| Memoranda: |
| Average total assets | $2,509,192,750 | 357 |
| Average earning assets | $2,355,753,000 | 350 |
| Average equity | $256,585,000 | 377 |
| Average total loans | $1,026,878,000 | 548 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0833% | 5,299 |
| Cost of funding earning assets | 1.3280% | 99 |
| Net interest margin | 1.7552% | 5,494 |
| Noninterest income to average assets | 4.0396% | 116 |
| Noninterest expense to average assets | 4.6140% | 271 |
| Loan and lease loss provision to assets | 0.0922% | 2,078 |
| Net operating income to assets | 0.8333% | 3,743 |
| Return on assets (ROA) | 0.8333% | 3,746 |
| Pretax return on assets | 0.9836% | 3,716 |
| Return on Equity (ROE) | 8.1263% | 3,444 |
| Retained earnings to average equity (ytd only) | 3.4417% | 3,858 |
| Net charge-offs to loans | 0.2261% | 705 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 11.6733% | 2,252 |
| Efficiency ratio | 80.3878% | 970 |
| Assets per employee ($millions) | 8.1769% | 590 |
| Cash dividends to net income (ytd only)* | 57.6480% | 1,408 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2772% | 2,290 |
| Loan loss allowance to noncurrent loans | 448.9041% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 4,417 |
| Noncurrent loans to loans | 0.2845% | 3,684 |
| Net loans and leases to total assets | 39.8426% | 5,057 |
| Net loans and leases to deposits | 52.2761% | 4,901 |
| Net loans and leases to core deposits | 58.4976% | 4,769 |
| Total domestic deposits to total assets | 76.2158% | 4,836 |
| Equity capital to assets | 10.1224% | 3,516 |
| Core capital (leverage) ratio | 10.4500% | 3,082 |
| Tier 1 risk-based capital ratio | 17.7919% | 1,860 |
| Total risk-based capital ratio | 18.7117% | 1,904 |
| Memoranda: |
| Average total assets | $2,497,922,670 | 356 |
| Average earning assets | $2,348,411,330 | 350 |
| Average equity | $256,155,000 | 377 |
| Average total loans | $1,017,944,000 | 549 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0603% | 5,339 |
| Cost of funding earning assets | 1.2746% | 93 |
| Net interest margin | 1.7856% | 5,556 |
| Noninterest income to average assets | 4.0896% | 119 |
| Noninterest expense to average assets | 4.8321% | 240 |
| Loan and lease loss provision to assets | 0.0921% | 1,972 |
| Net operating income to assets | 0.7201% | 4,028 |
| Return on assets (ROA) | 0.7201% | 4,036 |
| Pretax return on assets | 0.8442% | 4,038 |
| Return on Equity (ROE) | 6.9754% | 3,795 |
| Retained earnings to average equity (ytd only) | 2.2792% | 4,254 |
| Net charge-offs to loans | 0.2249% | 670 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 10.1649% | 1,919 |
| Efficiency ratio | 83.0658% | 859 |
| Assets per employee ($millions) | 7.8464% | 657 |
| Cash dividends to net income (ytd only)* | 67.3250% | 1,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2966% | 2,261 |
| Loan loss allowance to noncurrent loans | 449.6741% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,506 |
| Noncurrent loans to loans | 0.2884% | 3,741 |
| Net loans and leases to total assets | 40.3708% | 5,055 |
| Net loans and leases to deposits | 49.4958% | 4,981 |
| Net loans and leases to core deposits | 55.1312% | 4,868 |
| Total domestic deposits to total assets | 81.5640% | 4,072 |
| Equity capital to assets | 10.2954% | 3,291 |
| Core capital (leverage) ratio | 9.9559% | 3,581 |
| Tier 1 risk-based capital ratio | 17.6521% | 1,931 |
| Total risk-based capital ratio | 18.5766% | 1,976 |
| Memoranda: |
| Average total assets | $2,475,380,500 | 362 |
| Average earning assets | $2,327,238,000 | 353 |
| Average equity | $255,526,000 | 381 |
| Average total loans | $1,013,761,500 | 554 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6734% | 5,504 |
| Cost of funding earning assets | 0.9870% | 233 |
| Net interest margin | 1.6864% | 5,605 |
| Noninterest income to average assets | 3.9474% | 133 |
| Noninterest expense to average assets | 4.4270% | 333 |
| Loan and lease loss provision to assets | 0.0901% | 2,389 |
| Net operating income to assets | 0.7437% | 3,412 |
| Return on assets (ROA) | 0.7435% | 3,456 |
| Pretax return on assets | 1.0203% | 3,491 |
| Return on Equity (ROE) | 7.5893% | 2,999 |
| Retained earnings to average equity (ytd only) | 2.8462% | 3,607 |
| Net charge-offs to loans | 0.2995% | 870 |
| Credit loss provision to net charge-offs | 76.0458% | 2,999 |
| Earnings coverage of net charge-offs (x) | 9.3748% | 2,796 |
| Efficiency ratio | 79.2289% | 1,196 |
| Assets per employee ($millions) | 7.6517% | 719 |
| Cash dividends to net income (ytd only)* | 62.4967% | 1,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2894% | 2,271 |
| Loan loss allowance to noncurrent loans | 1,114.6259% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 4,869 |
| Noncurrent loans to loans | 0.1157% | 4,467 |
| Net loans and leases to total assets | 40.4775% | 5,119 |
| Net loans and leases to deposits | 50.7370% | 5,038 |
| Net loans and leases to core deposits | 56.6317% | 4,903 |
| Total domestic deposits to total assets | 79.7791% | 4,379 |
| Equity capital to assets | 10.3499% | 3,329 |
| Core capital (leverage) ratio | 9.3867% | 4,180 |
| Tier 1 risk-based capital ratio | 17.4038% | 1,966 |
| Total risk-based capital ratio | 18.3175% | 2,023 |
| Memoranda: |
| Average total assets | $2,582,633,200 | 339 |
| Average earning assets | $2,435,628,000 | 331 |
| Average equity | $253,000,600 | 369 |
| Average total loans | $1,021,587,200 | 531 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5895% | 5,594 |
| Cost of funding earning assets | 0.9207% | 313 |
| Net interest margin | 1.6689% | 5,677 |
| Noninterest income to average assets | 3.9745% | 142 |
| Noninterest expense to average assets | 4.4507% | 326 |
| Loan and lease loss provision to assets | 0.1120% | 1,917 |
| Net operating income to assets | 0.7229% | 3,863 |
| Return on assets (ROA) | 0.7229% | 3,922 |
| Pretax return on assets | 0.9866% | 3,738 |
| Return on Equity (ROE) | 7.4798% | 3,400 |
| Retained earnings to average equity (ytd only) | 2.7200% | 4,272 |
| Net charge-offs to loans | 0.3394% | 620 |
| Credit loss provision to net charge-offs | 84.1398% | 2,524 |
| Earnings coverage of net charge-offs (x) | 8.2538% | 2,806 |
| Efficiency ratio | 79.4975% | 1,163 |
| Assets per employee ($millions) | 8.1874% | 592 |
| Cash dividends to net income (ytd only)* | 63.6357% | 1,212 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3694% | 2,024 |
| Loan loss allowance to noncurrent loans | 4,262.8571% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 5,165 |
| Noncurrent loans to loans | 0.0321% | 4,981 |
| Net loans and leases to total assets | 36.7989% | 5,317 |
| Net loans and leases to deposits | 46.0008% | 5,256 |
| Net loans and leases to core deposits | 50.9928% | 5,166 |
| Total domestic deposits to total assets | 79.9961% | 4,313 |
| Equity capital to assets | 9.7532% | 4,190 |
| Core capital (leverage) ratio | 9.7593% | 3,872 |
| Tier 1 risk-based capital ratio | 18.2023% | 1,803 |
| Total risk-based capital ratio | 19.1909% | 1,820 |
| Memoranda: |
| Average total assets | $2,608,505,250 | 338 |
| Average earning assets | $2,461,342,000 | 330 |
| Average equity | $252,103,250 | 370 |
| Average total loans | $1,022,833,000 | 534 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5505% | 5,643 |
| Cost of funding earning assets | 0.8612% | 381 |
| Net interest margin | 1.6893% | 5,729 |
| Noninterest income to average assets | 4.0007% | 147 |
| Noninterest expense to average assets | 4.4640% | 333 |
| Loan and lease loss provision to assets | 0.1546% | 1,298 |
| Net operating income to assets | 0.7157% | 3,770 |
| Return on assets (ROA) | 0.7157% | 3,840 |
| Pretax return on assets | 0.9753% | 3,657 |
| Return on Equity (ROE) | 7.4281% | 3,321 |
| Retained earnings to average equity (ytd only) | 2.6415% | 4,120 |
| Net charge-offs to loans | 0.4309% | 471 |
| Credit loss provision to net charge-offs | 90.0179% | 2,139 |
| Earnings coverage of net charge-offs (x) | 6.5801% | 2,689 |
| Efficiency ratio | 79.0989% | 1,323 |
| Assets per employee ($millions) | 7.2412% | 829 |
| Cash dividends to net income (ytd only)* | 64.4399% | 1,323 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3504% | 2,170 |
| Loan loss allowance to noncurrent loans | 5,920.8696% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 5,204 |
| Noncurrent loans to loans | 0.0228% | 5,073 |
| Net loans and leases to total assets | 41.5051% | 5,167 |
| Net loans and leases to deposits | 53.6008% | 4,980 |
| Net loans and leases to core deposits | 60.2910% | 4,806 |
| Total domestic deposits to total assets | 77.4339% | 4,897 |
| Equity capital to assets | 10.6277% | 3,199 |
| Core capital (leverage) ratio | 9.7858% | 3,795 |
| Tier 1 risk-based capital ratio | 17.4129% | 2,039 |
| Total risk-based capital ratio | 18.3784% | 2,071 |
| Memoranda: |
| Average total assets | $2,601,955,670 | 342 |
| Average earning assets | $2,454,045,670 | 333 |
| Average equity | $250,695,000 | 373 |
| Average total loans | $1,036,924,330 | 518 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3974% | 5,742 |
| Cost of funding earning assets | 0.7910% | 516 |
| Net interest margin | 1.6063% | 5,803 |
| Noninterest income to average assets | 3.6718% | 162 |
| Noninterest expense to average assets | 4.3782% | 363 |
| Loan and lease loss provision to assets | 0.1361% | 1,403 |
| Net operating income to assets | 0.5230% | 4,506 |
| Return on assets (ROA) | 0.5230% | 4,540 |
| Pretax return on assets | 0.6761% | 4,517 |
| Return on Equity (ROE) | 5.6877% | 4,048 |
| Retained earnings to average equity (ytd only) | 0.8622% | 4,704 |
| Net charge-offs to loans | 0.1579% | 1,026 |
| Credit loss provision to net charge-offs | 221.6867% | 948 |
| Earnings coverage of net charge-offs (x) | 13.2313% | 1,798 |
| Efficiency ratio | 83.6207% | 1,006 |
| Assets per employee ($millions) | 8.4172% | 521 |
| Cash dividends to net income (ytd only)* | 84.8416% | 892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4422% | 1,895 |
| Loan loss allowance to noncurrent loans | 741.3953% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,958 |
| Noncurrent loans to loans | 0.1945% | 4,423 |
| Net loans and leases to total assets | 35.9477% | 5,400 |
| Net loans and leases to deposits | 46.3121% | 5,292 |
| Net loans and leases to core deposits | 52.9940% | 5,108 |
| Total domestic deposits to total assets | 77.6206% | 5,020 |
| Equity capital to assets | 9.1869% | 4,627 |
| Core capital (leverage) ratio | 8.9367% | 4,809 |
| Tier 1 risk-based capital ratio | 17.7630% | 1,955 |
| Total risk-based capital ratio | 18.8129% | 1,972 |
| Memoranda: |
| Average total assets | $2,704,512,000 | 335 |
| Average earning assets | $2,556,643,000 | 326 |
| Average equity | $248,677,500 | 374 |
| Average total loans | $1,051,171,000 | 510 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2694% | 5,808 |
| Cost of funding earning assets | 0.6594% | 1,008 |
| Net interest margin | 1.6100% | 5,844 |
| Noninterest income to average assets | 3.8447% | 152 |
| Noninterest expense to average assets | 4.3310% | 438 |
| Loan and lease loss provision to assets | 0.0443% | 3,499 |
| Net operating income to assets | 0.7199% | 3,690 |
| Return on assets (ROA) | 0.7198% | 3,807 |
| Pretax return on assets | 0.9910% | 3,508 |
| Return on Equity (ROE) | 7.7993% | 3,055 |
| Retained earnings to average equity (ytd only) | 2.8765% | 3,850 |
| Net charge-offs to loans | 0.2368% | 1,180 |
| Credit loss provision to net charge-offs | 48.5075% | 3,399 |
| Earnings coverage of net charge-offs (x) | 11.3375% | 2,546 |
| Efficiency ratio | 79.9701% | 1,426 |
| Assets per employee ($millions) | 8.1023% | 579 |
| Cash dividends to net income (ytd only)* | 63.1180% | 1,622 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2496% | 2,825 |
| Loan loss allowance to noncurrent loans | 3,287.6485% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 5,332 |
| Noncurrent loans to loans | 0.0380% | 5,105 |
| Net loans and leases to total assets | 40.7861% | 5,281 |
| Net loans and leases to deposits | 51.3571% | 5,154 |
| Net loans and leases to core deposits | 62.7493% | 4,711 |
| Total domestic deposits to total assets | 79.4167% | 4,694 |
| Equity capital to assets | 9.2031% | 4,580 |
| Core capital (leverage) ratio | 8.5673% | 5,195 |
| Tier 1 risk-based capital ratio | 16.0281% | 2,533 |
| Total risk-based capital ratio | 16.9423% | 2,600 |
| Memoranda: |
| Average total assets | $2,641,115,800 | 330 |
| Average earning assets | $2,496,225,600 | 318 |
| Average equity | $243,767,000 | 371 |
| Average total loans | $1,018,715,200 | 503 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2519% | 5,881 |
| Cost of funding earning assets | 0.6529% | 1,047 |
| Net interest margin | 1.5991% | 5,914 |
| Noninterest income to average assets | 3.8705% | 153 |
| Noninterest expense to average assets | 4.3663% | 422 |
| Loan and lease loss provision to assets | 0.0593% | 3,072 |
| Net operating income to assets | 0.6989% | 3,851 |
| Return on assets (ROA) | 0.6989% | 3,983 |
| Pretax return on assets | 0.9565% | 3,788 |
| Return on Equity (ROE) | 7.5667% | 3,257 |
| Retained earnings to average equity (ytd only) | 2.6287% | 4,339 |
| Net charge-offs to loans | 0.2402% | 973 |
| Credit loss provision to net charge-offs | 65.1811% | 2,856 |
| Earnings coverage of net charge-offs (x) | 11.1671% | 2,519 |
| Efficiency ratio | 80.3893% | 1,395 |
| Assets per employee ($millions) | 8.1187% | 564 |
| Cash dividends to net income (ytd only)* | 65.2600% | 1,209 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3175% | 2,585 |
| Loan loss allowance to noncurrent loans | 2,862.9703% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 5,441 |
| Noncurrent loans to loans | 0.0460% | 5,176 |
| Net loans and leases to total assets | 40.2981% | 5,362 |
| Net loans and leases to deposits | 51.1651% | 5,246 |
| Net loans and leases to core deposits | 60.0163% | 4,931 |
| Total domestic deposits to total assets | 78.7609% | 4,775 |
| Equity capital to assets | 9.1945% | 4,981 |
| Core capital (leverage) ratio | 8.8505% | 5,002 |
| Tier 1 risk-based capital ratio | 16.2811% | 2,509 |
| Total risk-based capital ratio | 17.2609% | 2,563 |
| Memoranda: |
| Average total assets | $2,630,931,250 | 329 |
| Average earning assets | $2,487,058,250 | 316 |
| Average equity | $243,005,500 | 371 |
| Average total loans | $996,477,750 | 511 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2451% | 5,963 |
| Cost of funding earning assets | 0.6676% | 948 |
| Net interest margin | 1.5774% | 5,996 |
| Noninterest income to average assets | 3.9166% | 156 |
| Noninterest expense to average assets | 4.3683% | 425 |
| Loan and lease loss provision to assets | 0.0896% | 2,354 |
| Net operating income to assets | 0.6927% | 3,826 |
| Return on assets (ROA) | 0.6927% | 3,975 |
| Pretax return on assets | 0.9494% | 3,775 |
| Return on Equity (ROE) | 7.4878% | 3,271 |
| Retained earnings to average equity (ytd only) | 2.5219% | 4,278 |
| Net charge-offs to loans | 0.2505% | 948 |
| Credit loss provision to net charge-offs | 97.0149% | 2,163 |
| Earnings coverage of net charge-offs (x) | 11.2521% | 2,276 |
| Efficiency ratio | 80.0476% | 1,491 |
| Assets per employee ($millions) | 7.7995% | 616 |
| Cash dividends to net income (ytd only)* | 66.3203% | 1,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4617% | 2,016 |
| Loan loss allowance to noncurrent loans | 4,761.7089% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,544 |
| Noncurrent loans to loans | 0.0307% | 5,340 |
| Net loans and leases to total assets | 39.1744% | 5,462 |
| Net loans and leases to deposits | 51.0514% | 5,290 |
| Net loans and leases to core deposits | 58.7911% | 5,038 |
| Total domestic deposits to total assets | 76.7352% | 5,190 |
| Equity capital to assets | 9.3929% | 4,874 |
| Core capital (leverage) ratio | 8.8859% | 4,955 |
| Tier 1 risk-based capital ratio | 16.6564% | 2,376 |
| Total risk-based capital ratio | 17.7083% | 2,387 |
| Memoranda: |
| Average total assets | $2,612,150,330 | 330 |
| Average earning assets | $2,468,421,670 | 315 |
| Average equity | $241,646,670 | 373 |
| Average total loans | $962,844,000 | 525 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2107% | 6,033 |
| Cost of funding earning assets | 0.6675% | 960 |
| Net interest margin | 1.5433% | 6,065 |
| Noninterest income to average assets | 3.8992% | 155 |
| Noninterest expense to average assets | 4.2831% | 462 |
| Loan and lease loss provision to assets | 0.0869% | 2,233 |
| Net operating income to assets | 0.7180% | 3,619 |
| Return on assets (ROA) | 0.7180% | 3,737 |
| Pretax return on assets | 0.9904% | 3,518 |
| Return on Equity (ROE) | 7.8203% | 3,018 |
| Retained earnings to average equity (ytd only) | 2.8382% | 4,095 |
| Net charge-offs to loans | 0.2401% | 853 |
| Credit loss provision to net charge-offs | 102.1505% | 1,593 |
| Earnings coverage of net charge-offs (x) | 12.6631% | 1,777 |
| Efficiency ratio | 79.1598% | 1,719 |
| Assets per employee ($millions) | 8.2505% | 515 |
| Cash dividends to net income (ytd only)* | 63.7078% | 1,351 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6128% | 1,570 |
| Loan loss allowance to noncurrent loans | 4,746.8553% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 5,591 |
| Noncurrent loans to loans | 0.0340% | 5,359 |
| Net loans and leases to total assets | 34.3420% | 5,702 |
| Net loans and leases to deposits | 43.8738% | 5,595 |
| Net loans and leases to core deposits | 51.5559% | 5,374 |
| Total domestic deposits to total assets | 78.2746% | 5,096 |
| Equity capital to assets | 8.9829% | 5,182 |
| Core capital (leverage) ratio | 8.7411% | 5,138 |
| Tier 1 risk-based capital ratio | 18.1915% | 1,934 |
| Total risk-based capital ratio | 19.3508% | 1,922 |
| Memoranda: |
| Average total assets | $2,623,512,500 | 324 |
| Average earning assets | $2,484,072,000 | 310 |
| Average equity | $240,859,000 | 371 |
| Average total loans | $929,546,500 | 539 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2038% | 6,075 |
| Cost of funding earning assets | 0.5295% | 1,930 |
| Net interest margin | 1.6743% | 6,097 |
| Noninterest income to average assets | 4.5243% | 141 |
| Noninterest expense to average assets | 4.8263% | 318 |
| Loan and lease loss provision to assets | 0.0492% | 3,340 |
| Net operating income to assets | 0.8823% | 2,970 |
| Return on assets (ROA) | 0.8823% | 3,054 |
| Pretax return on assets | 1.2238% | 2,575 |
| Return on Equity (ROE) | 8.6166% | 2,663 |
| Retained earnings to average equity (ytd only) | 4.1915% | 3,004 |
| Net charge-offs to loans | 0.1898% | 1,527 |
| Credit loss provision to net charge-offs | 68.0597% | 3,155 |
| Earnings coverage of net charge-offs (x) | 17.6119% | 2,061 |
| Efficiency ratio | 78.3789% | 1,906 |
| Assets per employee ($millions) | 7.7511% | 625 |
| Cash dividends to net income (ytd only)* | 51.3548% | 2,230 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6339% | 1,514 |
| Loan loss allowance to noncurrent loans | 3,243.6559% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,606 |
| Noncurrent loans to loans | 0.0504% | 5,313 |
| Net loans and leases to total assets | 35.3936% | 5,728 |
| Net loans and leases to deposits | 43.7123% | 5,660 |
| Net loans and leases to core deposits | 51.3074% | 5,439 |
| Total domestic deposits to total assets | 80.9695% | 4,493 |
| Equity capital to assets | 9.3876% | 4,687 |
| Core capital (leverage) ratio | 9.0831% | 4,773 |
| Tier 1 risk-based capital ratio | 18.3492% | 1,870 |
| Total risk-based capital ratio | 19.5221% | 1,852 |
| Memoranda: |
| Average total assets | $2,317,459,600 | 341 |
| Average earning assets | $2,180,000,200 | 331 |
| Average equity | $237,287,000 | 365 |
| Average total loans | $882,502,600 | 538 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2355% | 6,161 |
| Cost of funding earning assets | 0.5335% | 1,942 |
| Net interest margin | 1.7020% | 6,181 |
| Noninterest income to average assets | 4.7932% | 135 |
| Noninterest expense to average assets | 4.9312% | 292 |
| Loan and lease loss provision to assets | 0.0674% | 2,832 |
| Net operating income to assets | 1.0060% | 2,438 |
| Return on assets (ROA) | 1.0060% | 2,532 |
| Pretax return on assets | 1.3932% | 2,043 |
| Return on Equity (ROE) | 9.5978% | 2,268 |
| Retained earnings to average equity (ytd only) | 5.3677% | 2,665 |
| Net charge-offs to loans | 0.1761% | 1,423 |
| Credit loss provision to net charge-offs | 98.9583% | 2,319 |
| Earnings coverage of net charge-offs (x) | 21.4479% | 1,825 |
| Efficiency ratio | 76.4086% | 2,179 |
| Assets per employee ($millions) | 7.6418% | 639 |
| Cash dividends to net income (ytd only)* | 44.0736% | 2,134 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7855% | 1,298 |
| Loan loss allowance to noncurrent loans | 3,911.2782% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 5,724 |
| Noncurrent loans to loans | 0.0456% | 5,435 |
| Net loans and leases to total assets | 34.6718% | 5,832 |
| Net loans and leases to deposits | 41.5433% | 5,819 |
| Net loans and leases to core deposits | 48.7977% | 5,619 |
| Total domestic deposits to total assets | 83.4594% | 3,623 |
| Equity capital to assets | 9.7281% | 4,481 |
| Core capital (leverage) ratio | 9.6955% | 4,038 |
| Tier 1 risk-based capital ratio | 18.8072% | 1,821 |
| Total risk-based capital ratio | 20.0540% | 1,793 |
| Memoranda: |
| Average total assets | $2,255,424,000 | 352 |
| Average earning assets | $2,118,412,000 | 342 |
| Average equity | $236,396,500 | 371 |
| Average total loans | $872,342,500 | 543 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3284% | 6,216 |
| Cost of funding earning assets | 0.5423% | 1,886 |
| Net interest margin | 1.7861% | 6,248 |
| Noninterest income to average assets | 4.9881% | 128 |
| Noninterest expense to average assets | 5.1073% | 269 |
| Loan and lease loss provision to assets | 0.0885% | 2,336 |
| Net operating income to assets | 1.0435% | 2,164 |
| Return on assets (ROA) | 1.0435% | 2,279 |
| Pretax return on assets | 1.4650% | 1,745 |
| Return on Equity (ROE) | 9.6923% | 2,210 |
| Retained earnings to average equity (ytd only) | 5.4353% | 2,575 |
| Net charge-offs to loans | 0.1739% | 1,420 |
| Credit loss provision to net charge-offs | 127.3087% | 1,725 |
| Earnings coverage of net charge-offs (x) | 22.3575% | 1,646 |
| Efficiency ratio | 75.9361% | 2,369 |
| Assets per employee ($millions) | 6.0656% | 1,306 |
| Cash dividends to net income (ytd only)* | 43.9213% | 2,228 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7780% | 1,416 |
| Loan loss allowance to noncurrent loans | 3,604.7836% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 5,809 |
| Noncurrent loans to loans | 0.0493% | 5,548 |
| Net loans and leases to total assets | 42.1432% | 5,495 |
| Net loans and leases to deposits | 51.9404% | 5,384 |
| Net loans and leases to core deposits | 63.5786% | 4,839 |
| Total domestic deposits to total assets | 81.1376% | 4,573 |
| Equity capital to assets | 11.4873% | 2,425 |
| Core capital (leverage) ratio | 10.1988% | 3,337 |
| Tier 1 risk-based capital ratio | 18.7380% | 1,863 |
| Total risk-based capital ratio | 19.9883% | 1,830 |
| Memoranda: |
| Average total assets | $2,181,914,000 | 360 |
| Average earning assets | $2,043,239,670 | 351 |
| Average equity | $234,907,330 | 375 |
| Average total loans | $871,768,670 | 542 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2861% | 6,290 |
| Cost of funding earning assets | 0.5315% | 1,998 |
| Net interest margin | 1.7546% | 6,320 |
| Noninterest income to average assets | 4.5649% | 141 |
| Noninterest expense to average assets | 4.8383% | 336 |
| Loan and lease loss provision to assets | 0.0823% | 2,329 |
| Net operating income to assets | 0.9295% | 2,611 |
| Return on assets (ROA) | 0.9295% | 2,735 |
| Pretax return on assets | 1.2904% | 2,326 |
| Return on Equity (ROE) | 8.9103% | 2,490 |
| Retained earnings to average equity (ytd only) | 4.6224% | 3,255 |
| Net charge-offs to loans | 0.2189% | 1,071 |
| Credit loss provision to net charge-offs | 97.4576% | 1,689 |
| Earnings coverage of net charge-offs (x) | 16.2542% | 1,580 |
| Efficiency ratio | 77.0986% | 2,326 |
| Assets per employee ($millions) | 6.8373% | 924 |
| Cash dividends to net income (ytd only)* | 48.1232% | 1,793 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8069% | 1,488 |
| Loan loss allowance to noncurrent loans | 2,811.8919% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 5,818 |
| Noncurrent loans to loans | 0.0643% | 5,515 |
| Net loans and leases to total assets | 37.0268% | 5,771 |
| Net loans and leases to deposits | 44.8303% | 5,716 |
| Net loans and leases to core deposits | 53.5523% | 5,395 |
| Total domestic deposits to total assets | 82.5932% | 4,305 |
| Equity capital to assets | 10.2542% | 3,825 |
| Core capital (leverage) ratio | 9.7689% | 3,933 |
| Tier 1 risk-based capital ratio | 19.5247% | 1,732 |
| Total risk-based capital ratio | 20.7757% | 1,685 |
| Memoranda: |
| Average total assets | $2,235,655,000 | 350 |
| Average earning assets | $2,097,387,500 | 343 |
| Average equity | $233,212,500 | 375 |
| Average total loans | $862,624,500 | 543 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2302% | 6,396 |
| Cost of funding earning assets | 0.5761% | 1,994 |
| Net interest margin | 1.6541% | 6,417 |
| Noninterest income to average assets | 4.3277% | 139 |
| Noninterest expense to average assets | 4.7332% | 381 |
| Loan and lease loss provision to assets | 0.0090% | 4,447 |
| Net operating income to assets | 0.8191% | 3,289 |
| Return on assets (ROA) | 0.8326% | 3,303 |
| Pretax return on assets | 1.1521% | 2,863 |
| Return on Equity (ROE) | 8.3184% | 2,954 |
| Retained earnings to average equity (ytd only) | 2.4973% | 4,458 |
| Net charge-offs to loans | 0.2292% | 1,834 |
| Credit loss provision to net charge-offs | 12.1065% | 4,076 |
| Earnings coverage of net charge-offs (x) | 15.4286% | 2,080 |
| Efficiency ratio | 79.5931% | 1,993 |
| Assets per employee ($millions) | 6.2309% | 1,228 |
| Cash dividends to net income (ytd only)* | 69.9790% | 1,292 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8128% | 1,507 |
| Loan loss allowance to noncurrent loans | 1,657.9618% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,809 |
| Noncurrent loans to loans | 0.1093% | 5,458 |
| Net loans and leases to total assets | 38.7896% | 5,807 |
| Net loans and leases to deposits | 47.0993% | 5,738 |
| Net loans and leases to core deposits | 58.2400% | 5,248 |
| Total domestic deposits to total assets | 82.3569% | 4,289 |
| Equity capital to assets | 10.6178% | 3,340 |
| Core capital (leverage) ratio | 9.9086% | 3,697 |
| Tier 1 risk-based capital ratio | 18.7302% | 1,925 |
| Total risk-based capital ratio | 19.9811% | 1,891 |
| Memoranda: |
| Average total assets | $2,231,264,200 | 336 |
| Average earning assets | $2,087,928,000 | 326 |
| Average equity | $223,325,000 | 366 |
| Average total loans | $720,626,400 | 602 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1872% | 6,481 |
| Cost of funding earning assets | 0.6144% | 1,725 |
| Net interest margin | 1.5728% | 6,507 |
| Noninterest income to average assets | 4.3261% | 138 |
| Noninterest expense to average assets | 4.6285% | 406 |
| Loan and lease loss provision to assets | 0.0119% | 4,182 |
| Net operating income to assets | 0.8377% | 3,241 |
| Return on assets (ROA) | 0.8556% | 3,244 |
| Pretax return on assets | 1.1825% | 2,849 |
| Return on Equity (ROE) | 8.6764% | 2,858 |
| Retained earnings to average equity (ytd only) | 2.6507% | 4,707 |
| Net charge-offs to loans | 0.2227% | 1,707 |
| Credit loss provision to net charge-offs | 17.4672% | 3,608 |
| Earnings coverage of net charge-offs (x) | 17.1895% | 1,922 |
| Efficiency ratio | 78.8546% | 2,068 |
| Assets per employee ($millions) | 6.2961% | 1,152 |
| Cash dividends to net income (ytd only)* | 69.4493% | 1,040 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2029% | 945 |
| Loan loss allowance to noncurrent loans | 460.4512% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 5,538 |
| Noncurrent loans to loans | 0.4784% | 4,473 |
| Net loans and leases to total assets | 33.2455% | 6,143 |
| Net loans and leases to deposits | 40.6671% | 6,096 |
| Net loans and leases to core deposits | 49.2545% | 5,825 |
| Total domestic deposits to total assets | 81.7504% | 4,563 |
| Equity capital to assets | 10.5984% | 3,429 |
| Core capital (leverage) ratio | 9.6120% | 4,221 |
| Tier 1 risk-based capital ratio | 20.9121% | 1,471 |
| Total risk-based capital ratio | 22.1655% | 1,448 |
| Memoranda: |
| Average total assets | $2,243,879,000 | 330 |
| Average earning assets | $2,099,894,750 | 323 |
| Average equity | $221,268,000 | 364 |
| Average total loans | $685,397,250 | 628 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1458% | 6,558 |
| Cost of funding earning assets | 0.6063% | 1,854 |
| Net interest margin | 1.5395% | 6,579 |
| Noninterest income to average assets | 4.2312% | 142 |
| Noninterest expense to average assets | 4.5413% | 432 |
| Loan and lease loss provision to assets | 0.0176% | 3,909 |
| Net operating income to assets | 0.8032% | 3,310 |
| Return on assets (ROA) | 0.8297% | 3,273 |
| Pretax return on assets | 1.1504% | 2,877 |
| Return on Equity (ROE) | 8.6174% | 2,776 |
| Retained earnings to average equity (ytd only) | 2.2233% | 4,778 |
| Net charge-offs to loans | 0.2499% | 1,556 |
| Credit loss provision to net charge-offs | 23.8949% | 3,136 |
| Earnings coverage of net charge-offs (x) | 15.3668% | 1,852 |
| Efficiency ratio | 79.0787% | 2,159 |
| Assets per employee ($millions) | 6.5070% | 1,005 |
| Cash dividends to net income (ytd only)* | 74.1997% | 1,058 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3555% | 847 |
| Loan loss allowance to noncurrent loans | 457.9989% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 5,678 |
| Noncurrent loans to loans | 0.5143% | 4,462 |
| Net loans and leases to total assets | 30.2565% | 6,296 |
| Net loans and leases to deposits | 38.3305% | 6,212 |
| Net loans and leases to core deposits | 46.2975% | 5,983 |
| Total domestic deposits to total assets | 78.9358% | 5,472 |
| Equity capital to assets | 10.0191% | 4,084 |
| Core capital (leverage) ratio | 9.3879% | 4,483 |
| Tier 1 risk-based capital ratio | 21.9282% | 1,267 |
| Total risk-based capital ratio | 23.1832% | 1,246 |
| Memoranda: |
| Average total assets | $2,274,082,330 | 323 |
| Average earning assets | $2,129,132,670 | 311 |
| Average equity | $218,953,000 | 366 |
| Average total loans | $669,866,330 | 641 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1482% | 6,631 |
| Cost of funding earning assets | 0.6012% | 1,963 |
| Net interest margin | 1.5470% | 6,653 |
| Noninterest income to average assets | 4.1092% | 143 |
| Noninterest expense to average assets | 4.3691% | 520 |
| Loan and lease loss provision to assets | 0.0350% | 3,355 |
| Net operating income to assets | 0.8279% | 3,015 |
| Return on assets (ROA) | 0.8807% | 2,807 |
| Pretax return on assets | 1.2273% | 2,361 |
| Return on Equity (ROE) | 9.3339% | 2,320 |
| Retained earnings to average equity (ytd only) | 1.9143% | 4,827 |
| Net charge-offs to loans | 0.2433% | 1,350 |
| Credit loss provision to net charge-offs | 50.1253% | 2,200 |
| Earnings coverage of net charge-offs (x) | 17.0251% | 1,478 |
| Efficiency ratio | 77.6357% | 2,528 |
| Assets per employee ($millions) | 7.1451% | 747 |
| Cash dividends to net income (ytd only)* | 79.4913% | 974 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6077% | 710 |
| Loan loss allowance to noncurrent loans | 440.4961% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 5,761 |
| Noncurrent loans to loans | 0.5920% | 4,390 |
| Net loans and leases to total assets | 26.4031% | 6,460 |
| Net loans and leases to deposits | 32.8471% | 6,407 |
| Net loans and leases to core deposits | 39.0951% | 6,271 |
| Total domestic deposits to total assets | 80.3820% | 5,408 |
| Equity capital to assets | 9.1593% | 4,926 |
| Core capital (leverage) ratio | 9.1128% | 4,851 |
| Tier 1 risk-based capital ratio | 23.1609% | 1,120 |
| Total risk-based capital ratio | 24.4179% | 1,106 |
| Memoranda: |
| Average total assets | $2,285,418,000 | 327 |
| Average earning assets | $2,140,444,000 | 313 |
| Average equity | $215,643,500 | 370 |
| Average total loans | $655,984,000 | 653 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0112% | 6,714 |
| Cost of funding earning assets | 0.6373% | 2,319 |
| Net interest margin | 1.3739% | 6,733 |
| Noninterest income to average assets | 4.4954% | 152 |
| Noninterest expense to average assets | 4.5899% | 486 |
| Loan and lease loss provision to assets | 0.0766% | 3,577 |
| Net operating income to assets | 0.7940% | 3,319 |
| Return on assets (ROA) | 0.8786% | 2,977 |
| Pretax return on assets | 1.2338% | 2,441 |
| Return on Equity (ROE) | 9.4283% | 2,356 |
| Retained earnings to average equity (ytd only) | 3.7911% | 3,503 |
| Net charge-offs to loans | 0.2577% | 2,421 |
| Credit loss provision to net charge-offs | 106.8376% | 2,253 |
| Earnings coverage of net charge-offs (x) | 16.6117% | 1,790 |
| Efficiency ratio | 78.6739% | 2,365 |
| Assets per employee ($millions) | 6.4246% | 1,022 |
| Cash dividends to net income (ytd only)* | 59.7907% | 1,773 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5669% | 757 |
| Loan loss allowance to noncurrent loans | 376.3228% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 5,560 |
| Noncurrent loans to loans | 0.6821% | 4,268 |
| Net loans and leases to total assets | 29.6619% | 6,469 |
| Net loans and leases to deposits | 37.3250% | 6,390 |
| Net loans and leases to core deposits | 45.4768% | 6,160 |
| Total domestic deposits to total assets | 79.4692% | 5,559 |
| Equity capital to assets | 9.7375% | 4,120 |
| Core capital (leverage) ratio | 9.9460% | 3,647 |
| Tier 1 risk-based capital ratio | 22.8772% | 1,114 |
| Total risk-based capital ratio | 24.1339% | 1,090 |
| Memoranda: |
| Average total assets | $2,284,324,000 | 317 |
| Average earning assets | $2,137,769,400 | 305 |
| Average equity | $212,869,000 | 365 |
| Average total loans | $635,559,000 | 659 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9651% | 6,800 |
| Cost of funding earning assets | 0.6436% | 2,421 |
| Net interest margin | 1.3216% | 6,826 |
| Noninterest income to average assets | 4.5767% | 153 |
| Noninterest expense to average assets | 4.4922% | 522 |
| Loan and lease loss provision to assets | 0.1010% | 3,080 |
| Net operating income to assets | 0.8603% | 3,047 |
| Return on assets (ROA) | 0.9719% | 2,597 |
| Pretax return on assets | 1.3779% | 2,006 |
| Return on Equity (ROE) | 10.5419% | 1,985 |
| Retained earnings to average equity (ytd only) | 3.0272% | 4,508 |
| Net charge-offs to loans | 0.2558% | 2,279 |
| Credit loss provision to net charge-offs | 145.2282% | 1,621 |
| Earnings coverage of net charge-offs (x) | 18.9983% | 1,647 |
| Efficiency ratio | 76.5559% | 2,638 |
| Assets per employee ($millions) | 6.5863% | 900 |
| Cash dividends to net income (ytd only)* | 71.2843% | 1,042 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7103% | 733 |
| Loan loss allowance to noncurrent loans | 201.9732% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 5,076 |
| Noncurrent loans to loans | 1.3419% | 3,175 |
| Net loans and leases to total assets | 29.1718% | 6,559 |
| Net loans and leases to deposits | 37.6541% | 6,457 |
| Net loans and leases to core deposits | 46.3315% | 6,201 |
| Total domestic deposits to total assets | 77.4732% | 5,979 |
| Equity capital to assets | 9.9309% | 4,005 |
| Core capital (leverage) ratio | 10.5817% | 2,915 |
| Tier 1 risk-based capital ratio | 22.5025% | 1,222 |
| Total risk-based capital ratio | 23.7598% | 1,204 |
| Memoranda: |
| Average total assets | $2,309,311,750 | 317 |
| Average earning assets | $2,162,029,000 | 304 |
| Average equity | $212,910,500 | 365 |
| Average total loans | $628,199,750 | 669 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9200% | 6,850 |
| Cost of funding earning assets | 0.6742% | 2,271 |
| Net interest margin | 1.2458% | 6,882 |
| Noninterest income to average assets | 4.6319% | 158 |
| Noninterest expense to average assets | 4.4668% | 545 |
| Loan and lease loss provision to assets | 0.1271% | 2,729 |
| Net operating income to assets | 0.8473% | 3,058 |
| Return on assets (ROA) | 1.0087% | 2,425 |
| Pretax return on assets | 1.4365% | 1,815 |
| Return on Equity (ROE) | 11.2039% | 1,745 |
| Retained earnings to average equity (ytd only) | 3.6776% | 3,970 |
| Net charge-offs to loans | 0.2600% | 2,169 |
| Credit loss provision to net charge-offs | 185.4141% | 1,285 |
| Earnings coverage of net charge-offs (x) | 19.4512% | 1,506 |
| Efficiency ratio | 76.3210% | 2,736 |
| Assets per employee ($millions) | 6.6378% | 853 |
| Cash dividends to net income (ytd only)* | 67.1761% | 1,289 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9174% | 635 |
| Loan loss allowance to noncurrent loans | 333.1886% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 5,629 |
| Noncurrent loans to loans | 0.8756% | 4,170 |
| Net loans and leases to total assets | 27.8240% | 6,633 |
| Net loans and leases to deposits | 36.7562% | 6,531 |
| Net loans and leases to core deposits | 44.2533% | 6,324 |
| Total domestic deposits to total assets | 75.6988% | 6,281 |
| Equity capital to assets | 9.7636% | 4,223 |
| Core capital (leverage) ratio | 9.6827% | 3,960 |
| Tier 1 risk-based capital ratio | 23.6598% | 1,040 |
| Total risk-based capital ratio | 24.9185% | 1,021 |
| Memoranda: |
| Average total assets | $2,361,174,330 | 313 |
| Average earning assets | $2,213,143,670 | 300 |
| Average equity | $212,586,000 | 364 |
| Average total loans | $622,338,330 | 674 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.8405% | 6,936 |
| Cost of funding earning assets | 0.6853% | 2,344 |
| Net interest margin | 1.1552% | 6,969 |
| Noninterest income to average assets | 4.3138% | 177 |
| Noninterest expense to average assets | 4.0133% | 872 |
| Loan and lease loss provision to assets | 0.1207% | 2,713 |
| Net operating income to assets | 0.8797% | 2,755 |
| Return on assets (ROA) | 1.1820% | 1,691 |
| Pretax return on assets | 1.7037% | 1,067 |
| Return on Equity (ROE) | 13.6161% | 1,032 |
| Retained earnings to average equity (ytd only) | 6.2029% | 2,567 |
| Net charge-offs to loans | 0.2986% | 1,771 |
| Credit loss provision to net charge-offs | 159.2357% | 1,305 |
| Earnings coverage of net charge-offs (x) | 18.2951% | 1,269 |
| Efficiency ratio | 73.6168% | 3,329 |
| Assets per employee ($millions) | 7.3177% | 664 |
| Cash dividends to net income (ytd only)* | 54.4440% | 1,447 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9082% | 727 |
| Loan loss allowance to noncurrent loans | 297.2922% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 5,590 |
| Noncurrent loans to loans | 0.9782% | 4,176 |
| Net loans and leases to total assets | 24.1225% | 6,771 |
| Net loans and leases to deposits | 32.7326% | 6,669 |
| Net loans and leases to core deposits | 38.6807% | 6,538 |
| Total domestic deposits to total assets | 73.6955% | 6,555 |
| Equity capital to assets | 9.0742% | 5,397 |
| Core capital (leverage) ratio | 8.4410% | 5,654 |
| Tier 1 risk-based capital ratio | 24.7662% | 921 |
| Total risk-based capital ratio | 26.0256% | 905 |
| Memoranda: |
| Average total assets | $2,486,359,000 | 302 |
| Average earning assets | $2,336,985,500 | 290 |
| Average equity | $215,833,500 | 363 |
| Average total loans | $631,028,000 | 665 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9760% | 6,991 |
| Cost of funding earning assets | 0.7294% | 3,263 |
| Net interest margin | 1.2466% | 7,015 |
| Noninterest income to average assets | 4.1566% | 177 |
| Noninterest expense to average assets | 4.1243% | 836 |
| Loan and lease loss provision to assets | 0.1170% | 4,162 |
| Net operating income to assets | 0.7970% | 3,301 |
| Return on assets (ROA) | 0.8265% | 3,412 |
| Pretax return on assets | 1.1442% | 3,007 |
| Return on Equity (ROE) | 10.2714% | 2,063 |
| Retained earnings to average equity (ytd only) | 10.2714% | 547 |
| Net charge-offs to loans | 0.5612% | 2,056 |
| Credit loss provision to net charge-offs | 84.7739% | 3,672 |
| Earnings coverage of net charge-offs (x) | 8.8429% | 2,343 |
| Efficiency ratio | 77.0111% | 2,590 |
| Assets per employee ($millions) | 7.9604% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5335% | 1,093 |
| Loan loss allowance to noncurrent loans | 297.7177% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 5,691 |
| Noncurrent loans to loans | 0.8510% | 4,483 |
| Net loans and leases to total assets | 25.2171% | 6,830 |
| Net loans and leases to deposits | 34.1048% | 6,738 |
| Net loans and leases to core deposits | 44.3420% | 6,447 |
| Total domestic deposits to total assets | 73.9398% | 6,532 |
| Equity capital to assets | 8.3179% | 6,186 |
| Core capital (leverage) ratio | 8.3158% | 5,872 |
| Tier 1 risk-based capital ratio | 21.7511% | 1,313 |
| Total risk-based capital ratio | 23.0074% | 1,288 |
| Memoranda: |
| Average total assets | $2,532,031,000 | 285 |
| Average earning assets | $2,412,829,600 | 270 |
| Average equity | $203,740,000 | 370 |
| Average total loans | $622,562,000 | 664 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0082% | 7,099 |
| Cost of funding earning assets | 0.7513% | 3,345 |
| Net interest margin | 1.2570% | 7,123 |
| Noninterest income to average assets | 4.2006% | 176 |
| Noninterest expense to average assets | 4.1323% | 792 |
| Loan and lease loss provision to assets | 0.1409% | 3,772 |
| Net operating income to assets | 0.8189% | 3,351 |
| Return on assets (ROA) | 0.8590% | 3,422 |
| Pretax return on assets | 1.1847% | 3,042 |
| Return on Equity (ROE) | 10.7685% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.7685% | 728 |
| Net charge-offs to loans | 0.6087% | 1,808 |
| Credit loss provision to net charge-offs | 95.4464% | 3,129 |
| Earnings coverage of net charge-offs (x) | 8.6056% | 2,423 |
| Efficiency ratio | 76.3244% | 2,627 |
| Assets per employee ($millions) | 7.5751% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8902% | 810 |
| Loan loss allowance to noncurrent loans | 297.3116% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 5,769 |
| Noncurrent loans to loans | 0.9721% | 4,495 |
| Net loans and leases to total assets | 23.9919% | 6,970 |
| Net loans and leases to deposits | 33.1351% | 6,883 |
| Net loans and leases to core deposits | 39.0235% | 6,775 |
| Total domestic deposits to total assets | 72.4064% | 6,721 |
| Equity capital to assets | 8.7653% | 6,053 |
| Core capital (leverage) ratio | 8.3961% | 5,901 |
| Tier 1 risk-based capital ratio | 23.9575% | 1,029 |
| Total risk-based capital ratio | 25.2172% | 1,007 |
| Memoranda: |
| Average total assets | $2,518,255,250 | 285 |
| Average earning assets | $2,409,142,750 | 272 |
| Average equity | $200,876,500 | 374 |
| Average total loans | $610,863,250 | 678 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0182% | 7,174 |
| Cost of funding earning assets | 0.7829% | 3,333 |
| Net interest margin | 1.2352% | 7,196 |
| Noninterest income to average assets | 4.0781% | 177 |
| Noninterest expense to average assets | 4.0102% | 929 |
| Loan and lease loss provision to assets | 0.1391% | 3,778 |
| Net operating income to assets | 0.8126% | 3,345 |
| Return on assets (ROA) | 0.8720% | 3,295 |
| Pretax return on assets | 1.1918% | 2,959 |
| Return on Equity (ROE) | 11.2861% | 1,885 |
| Retained earnings to average equity (ytd only) | 11.2861% | 693 |
| Net charge-offs to loans | 0.7170% | 1,544 |
| Credit loss provision to net charge-offs | 80.4723% | 3,311 |
| Earnings coverage of net charge-offs (x) | 7.2275% | 2,518 |
| Efficiency ratio | 76.0838% | 2,732 |
| Assets per employee ($millions) | 7.7264% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8045% | 938 |
| Loan loss allowance to noncurrent loans | 218.8021% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 5,799 |
| Noncurrent loans to loans | 1.2818% | 3,996 |
| Net loans and leases to total assets | 23.9884% | 7,034 |
| Net loans and leases to deposits | 32.9020% | 6,942 |
| Net loans and leases to core deposits | 38.6202% | 6,851 |
| Total domestic deposits to total assets | 72.9086% | 6,751 |
| Equity capital to assets | 8.2474% | 6,416 |
| Core capital (leverage) ratio | 7.8728% | 6,390 |
| Tier 1 risk-based capital ratio | 23.7876% | 1,043 |
| Total risk-based capital ratio | 25.0474% | 1,023 |
| Memoranda: |
| Average total assets | $2,547,141,670 | 284 |
| Average earning assets | $2,436,940,000 | 267 |
| Average equity | $196,790,000 | 376 |
| Average total loans | $614,234,670 | 676 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9839% | 7,237 |
| Cost of funding earning assets | 0.8102% | 3,391 |
| Net interest margin | 1.1738% | 7,264 |
| Noninterest income to average assets | 4.0742% | 166 |
| Noninterest expense to average assets | 3.9115% | 1,053 |
| Loan and lease loss provision to assets | 0.1329% | 3,694 |
| Net operating income to assets | 0.8397% | 3,200 |
| Return on assets (ROA) | 0.9566% | 2,862 |
| Pretax return on assets | 1.3128% | 2,498 |
| Return on Equity (ROE) | 12.7927% | 1,463 |
| Retained earnings to average equity (ytd only) | 12.7927% | 712 |
| Net charge-offs to loans | 0.7032% | 1,422 |
| Credit loss provision to net charge-offs | 79.2627% | 2,734 |
| Earnings coverage of net charge-offs (x) | 7.6673% | 2,053 |
| Efficiency ratio | 75.1056% | 2,919 |
| Assets per employee ($millions) | 8.2895% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9801% | 851 |
| Loan loss allowance to noncurrent loans | 144.9257% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 5,593 |
| Noncurrent loans to loans | 2.0563% | 3,082 |
| Net loans and leases to total assets | 21.0577% | 7,126 |
| Net loans and leases to deposits | 29.5110% | 7,062 |
| Net loans and leases to core deposits | 34.2948% | 6,986 |
| Total domestic deposits to total assets | 71.3553% | 6,914 |
| Equity capital to assets | 7.3894% | 6,823 |
| Core capital (leverage) ratio | 7.1721% | 6,772 |
| Tier 1 risk-based capital ratio | 23.6830% | 1,045 |
| Total risk-based capital ratio | 24.9436% | 1,029 |
| Memoranda: |
| Average total assets | $2,588,357,500 | 279 |
| Average earning assets | $2,476,077,500 | 261 |
| Average equity | $193,548,000 | 372 |
| Average total loans | $617,200,000 | 676 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2737% | 7,273 |
| Cost of funding earning assets | 0.9114% | 4,040 |
| Net interest margin | 1.3622% | 7,298 |
| Noninterest income to average assets | 4.0104% | 155 |
| Noninterest expense to average assets | 4.3795% | 664 |
| Loan and lease loss provision to assets | 0.1124% | 5,186 |
| Net operating income to assets | 0.6330% | 3,815 |
| Return on assets (ROA) | 0.6787% | 3,781 |
| Pretax return on assets | 0.8479% | 3,781 |
| Return on Equity (ROE) | 8.5517% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.3837% | 3,056 |
| Net charge-offs to loans | 1.2438% | 1,339 |
| Credit loss provision to net charge-offs | 33.2396% | 5,741 |
| Earnings coverage of net charge-offs (x) | 2.6704% | 3,876 |
| Efficiency ratio | 82.4614% | 1,959 |
| Assets per employee ($millions) | 7.7632% | 516 |
| Cash dividends to net income (ytd only)* | 48.7389% | 2,116 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6700% | 1,107 |
| Loan loss allowance to noncurrent loans | 140.8553% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 5,335 |
| Noncurrent loans to loans | 1.8955% | 3,347 |
| Net loans and leases to total assets | 25.4265% | 7,131 |
| Net loans and leases to deposits | 36.1987% | 6,993 |
| Net loans and leases to core deposits | 42.5814% | 6,867 |
| Total domestic deposits to total assets | 70.2416% | 6,973 |
| Equity capital to assets | 7.5716% | 6,781 |
| Core capital (leverage) ratio | 7.3454% | 6,727 |
| Tier 1 risk-based capital ratio | 21.6761% | 1,286 |
| Total risk-based capital ratio | 22.9350% | 1,252 |
| Memoranda: |
| Average total assets | $2,418,423,200 | 288 |
| Average earning assets | $2,258,709,400 | 278 |
| Average equity | $191,938,800 | 370 |
| Average total loans | $657,683,000 | 627 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3283% | 7,352 |
| Cost of funding earning assets | 0.9181% | 4,286 |
| Net interest margin | 1.4102% | 7,373 |
| Noninterest income to average assets | 4.0983% | 152 |
| Noninterest expense to average assets | 4.4704% | 594 |
| Loan and lease loss provision to assets | 0.1094% | 5,069 |
| Net operating income to assets | 0.6291% | 3,970 |
| Return on assets (ROA) | 0.6875% | 3,853 |
| Pretax return on assets | 0.9049% | 3,741 |
| Return on Equity (ROE) | 8.5599% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.5599% | 1,294 |
| Net charge-offs to loans | 1.4687% | 997 |
| Credit loss provision to net charge-offs | 27.1098% | 5,456 |
| Earnings coverage of net charge-offs (x) | 2.3232% | 3,965 |
| Efficiency ratio | 82.1398% | 1,951 |
| Assets per employee ($millions) | 7.8898% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7788% | 1,050 |
| Loan loss allowance to noncurrent loans | 139.6491% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6736% | 5,456 |
| Noncurrent loans to loans | 1.9898% | 3,382 |
| Net loans and leases to total assets | 23.6383% | 7,238 |
| Net loans and leases to deposits | 35.0349% | 7,097 |
| Net loans and leases to core deposits | 41.2949% | 6,998 |
| Total domestic deposits to total assets | 67.4707% | 7,161 |
| Equity capital to assets | 7.6000% | 6,894 |
| Core capital (leverage) ratio | 7.8386% | 6,535 |
| Tier 1 risk-based capital ratio | 22.7029% | 1,188 |
| Total risk-based capital ratio | 23.9624% | 1,164 |
| Memoranda: |
| Average total assets | $2,396,152,000 | 294 |
| Average earning assets | $2,225,101,500 | 282 |
| Average equity | $192,459,000 | 373 |
| Average total loans | $658,338,250 | 633 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4122% | 7,428 |
| Cost of funding earning assets | 0.9338% | 4,431 |
| Net interest margin | 1.4784% | 7,445 |
| Noninterest income to average assets | 4.1269% | 165 |
| Noninterest expense to average assets | 4.5732% | 549 |
| Loan and lease loss provision to assets | 0.1684% | 4,250 |
| Net operating income to assets | 0.5836% | 4,139 |
| Return on assets (ROA) | 0.6747% | 3,787 |
| Pretax return on assets | 0.8747% | 3,737 |
| Return on Equity (ROE) | 8.2373% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.2373% | 1,370 |
| Net charge-offs to loans | 1.0124% | 1,556 |
| Credit loss provision to net charge-offs | 58.0798% | 4,390 |
| Earnings coverage of net charge-offs (x) | 3.1897% | 3,273 |
| Efficiency ratio | 82.4666% | 2,032 |
| Assets per employee ($millions) | 7.1684% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3433% | 673 |
| Loan loss allowance to noncurrent loans | 170.9423% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 5,322 |
| Noncurrent loans to loans | 1.9558% | 3,538 |
| Net loans and leases to total assets | 26.4427% | 7,278 |
| Net loans and leases to deposits | 38.9717% | 7,096 |
| Net loans and leases to core deposits | 46.8758% | 6,900 |
| Total domestic deposits to total assets | 67.8512% | 7,196 |
| Equity capital to assets | 8.4090% | 6,296 |
| Core capital (leverage) ratio | 8.2749% | 5,910 |
| Tier 1 risk-based capital ratio | 22.0099% | 1,257 |
| Total risk-based capital ratio | 23.2746% | 1,220 |
| Memoranda: |
| Average total assets | $2,334,883,330 | 307 |
| Average earning assets | $2,165,499,330 | 293 |
| Average equity | $191,252,670 | 374 |
| Average total loans | $668,688,000 | 634 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4565% | 7,484 |
| Cost of funding earning assets | 0.9563% | 4,523 |
| Net interest margin | 1.5003% | 7,503 |
| Noninterest income to average assets | 4.0683% | 161 |
| Noninterest expense to average assets | 4.5640% | 560 |
| Loan and lease loss provision to assets | 0.2006% | 3,629 |
| Net operating income to assets | 0.5370% | 4,323 |
| Return on assets (ROA) | 0.7187% | 3,499 |
| Pretax return on assets | 0.9345% | 3,383 |
| Return on Equity (ROE) | 8.8909% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.8909% | 1,413 |
| Net charge-offs to loans | 1.1965% | 1,163 |
| Credit loss provision to net charge-offs | 57.2683% | 3,594 |
| Earnings coverage of net charge-offs (x) | 2.5668% | 3,053 |
| Efficiency ratio | 82.8293% | 2,109 |
| Assets per employee ($millions) | 7.1966% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3970% | 665 |
| Loan loss allowance to noncurrent loans | 151.6151% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 5,074 |
| Noncurrent loans to loans | 2.2405% | 3,268 |
| Net loans and leases to total assets | 25.9548% | 7,344 |
| Net loans and leases to deposits | 39.5982% | 7,120 |
| Net loans and leases to core deposits | 48.1726% | 6,869 |
| Total domestic deposits to total assets | 65.5454% | 7,340 |
| Equity capital to assets | 7.9998% | 6,492 |
| Core capital (leverage) ratio | 7.7802% | 6,481 |
| Tier 1 risk-based capital ratio | 21.4453% | 1,316 |
| Total risk-based capital ratio | 22.7107% | 1,293 |
| Memoranda: |
| Average total assets | $2,341,042,000 | 309 |
| Average earning assets | $2,176,417,000 | 293 |
| Average equity | $189,227,000 | 377 |
| Average total loans | $685,335,500 | 624 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8402% | 7,513 |
| Cost of funding earning assets | 1.1065% | 5,104 |
| Net interest margin | 1.7338% | 7,515 |
| Noninterest income to average assets | 4.5597% | 148 |
| Noninterest expense to average assets | 4.9389% | 436 |
| Loan and lease loss provision to assets | 0.6256% | 2,632 |
| Net operating income to assets | 0.5066% | 4,066 |
| Return on assets (ROA) | 0.6106% | 3,791 |
| Pretax return on assets | 0.7399% | 3,833 |
| Return on Equity (ROE) | 7.2842% | 2,990 |
| Retained earnings to average equity (ytd only) | 7.2842% | 1,212 |
| Net charge-offs to loans | 1.3951% | 1,595 |
| Credit loss provision to net charge-offs | 126.4400% | 3,202 |
| Earnings coverage of net charge-offs (x) | 2.5066% | 3,859 |
| Efficiency ratio | 79.2675% | 2,507 |
| Assets per employee ($millions) | 6.8638% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1140% | 791 |
| Loan loss allowance to noncurrent loans | 125.7179% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 5,400 |
| Noncurrent loans to loans | 2.4770% | 3,046 |
| Net loans and leases to total assets | 30.8086% | 7,329 |
| Net loans and leases to deposits | 49.2676% | 6,889 |
| Net loans and leases to core deposits | 60.8183% | 6,330 |
| Total domestic deposits to total assets | 62.5333% | 7,472 |
| Equity capital to assets | 8.1703% | 6,296 |
| Core capital (leverage) ratio | 7.5691% | 6,642 |
| Tier 1 risk-based capital ratio | 19.2420% | 1,659 |
| Total risk-based capital ratio | 20.5059% | 1,625 |
| Memoranda: |
| Average total assets | $2,192,968,000 | 323 |
| Average earning assets | $2,048,435,200 | 309 |
| Average equity | $183,823,200 | 378 |
| Average total loans | $777,814,000 | 558 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9207% | 7,634 |
| Cost of funding earning assets | 1.1286% | 5,260 |
| Net interest margin | 1.7921% | 7,628 |
| Noninterest income to average assets | 4.6798% | 148 |
| Noninterest expense to average assets | 4.9464% | 399 |
| Loan and lease loss provision to assets | 0.7334% | 2,086 |
| Net operating income to assets | 0.5469% | 4,107 |
| Return on assets (ROA) | 0.6836% | 3,649 |
| Pretax return on assets | 0.8464% | 3,750 |
| Return on Equity (ROE) | 8.1013% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.1013% | 1,391 |
| Net charge-offs to loans | 1.4399% | 1,415 |
| Credit loss provision to net charge-offs | 139.7868% | 2,848 |
| Earnings coverage of net charge-offs (x) | 2.6894% | 3,804 |
| Efficiency ratio | 77.1610% | 2,743 |
| Assets per employee ($millions) | 6.8064% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0785% | 772 |
| Loan loss allowance to noncurrent loans | 104.8436% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 5,151 |
| Noncurrent loans to loans | 2.9363% | 2,717 |
| Net loans and leases to total assets | 31.6960% | 7,420 |
| Net loans and leases to deposits | 52.1622% | 6,889 |
| Net loans and leases to core deposits | 64.9524% | 6,213 |
| Total domestic deposits to total assets | 60.7642% | 7,581 |
| Equity capital to assets | 7.9515% | 6,840 |
| Core capital (leverage) ratio | 7.9522% | 6,414 |
| Tier 1 risk-based capital ratio | 18.7676% | 1,803 |
| Total risk-based capital ratio | 20.0319% | 1,766 |
| Memoranda: |
| Average total assets | $2,169,802,000 | 326 |
| Average earning assets | $2,031,135,500 | 309 |
| Average equity | $183,093,500 | 377 |
| Average total loans | $790,566,250 | 550 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0015% | 7,711 |
| Cost of funding earning assets | 1.1778% | 5,249 |
| Net interest margin | 1.8237% | 7,689 |
| Noninterest income to average assets | 4.8116% | 143 |
| Noninterest expense to average assets | 5.1210% | 349 |
| Loan and lease loss provision to assets | 0.7670% | 1,875 |
| Net operating income to assets | 0.5138% | 4,265 |
| Return on assets (ROA) | 0.7205% | 3,467 |
| Pretax return on assets | 0.8960% | 3,510 |
| Return on Equity (ROE) | 8.3648% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.3648% | 1,309 |
| Net charge-offs to loans | 0.8169% | 2,206 |
| Credit loss provision to net charge-offs | 248.5218% | 1,550 |
| Earnings coverage of net charge-offs (x) | 4.5511% | 2,919 |
| Efficiency ratio | 77.8433% | 2,753 |
| Assets per employee ($millions) | 6.4372% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1569% | 728 |
| Loan loss allowance to noncurrent loans | 129.3213% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 5,339 |
| Noncurrent loans to loans | 2.4411% | 3,204 |
| Net loans and leases to total assets | 35.1525% | 7,381 |
| Net loans and leases to deposits | 56.8629% | 6,664 |
| Net loans and leases to core deposits | 73.5032% | 5,497 |
| Total domestic deposits to total assets | 61.8196% | 7,632 |
| Equity capital to assets | 8.5484% | 6,102 |
| Core capital (leverage) ratio | 7.8784% | 6,413 |
| Tier 1 risk-based capital ratio | 17.3974% | 2,134 |
| Total risk-based capital ratio | 18.6618% | 2,091 |
| Memoranda: |
| Average total assets | $2,126,218,670 | 328 |
| Average earning assets | $1,998,192,000 | 312 |
| Average equity | $183,148,330 | 377 |
| Average total loans | $803,307,330 | 547 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0312% | 7,801 |
| Cost of funding earning assets | 1.2370% | 5,190 |
| Net interest margin | 1.7942% | 7,776 |
| Noninterest income to average assets | 4.1266% | 162 |
| Noninterest expense to average assets | 4.5914% | 518 |
| Loan and lease loss provision to assets | 0.9768% | 1,276 |
| Net operating income to assets | 0.2029% | 5,678 |
| Return on assets (ROA) | 0.6395% | 3,834 |
| Pretax return on assets | 0.7620% | 4,019 |
| Return on Equity (ROE) | 7.3950% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.3950% | 1,977 |
| Net charge-offs to loans | 0.6628% | 2,166 |
| Credit loss provision to net charge-offs | 382.4444% | 1,057 |
| Earnings coverage of net charge-offs (x) | 4.7733% | 2,551 |
| Efficiency ratio | 78.3317% | 2,849 |
| Assets per employee ($millions) | 6.5330% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9837% | 835 |
| Loan loss allowance to noncurrent loans | 150.5748% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 5,574 |
| Noncurrent loans to loans | 1.9815% | 3,813 |
| Net loans and leases to total assets | 34.2120% | 7,488 |
| Net loans and leases to deposits | 56.5198% | 6,731 |
| Net loans and leases to core deposits | 70.7387% | 5,852 |
| Total domestic deposits to total assets | 60.5310% | 7,752 |
| Equity capital to assets | 8.1892% | 6,445 |
| Core capital (leverage) ratio | 7.6392% | 6,690 |
| Tier 1 risk-based capital ratio | 16.6356% | 2,396 |
| Total risk-based capital ratio | 17.8983% | 2,347 |
| Memoranda: |
| Average total assets | $2,114,308,000 | 338 |
| Average earning assets | $1,984,431,000 | 318 |
| Average equity | $182,825,500 | 381 |
| Average total loans | $814,746,500 | 558 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1727% | 7,863 |
| Cost of funding earning assets | 1.1772% | 6,742 |
| Net interest margin | 1.9956% | 7,748 |
| Noninterest income to average assets | 4.0168% | 167 |
| Noninterest expense to average assets | 4.6199% | 702 |
| Loan and lease loss provision to assets | 0.6106% | 3,357 |
| Net operating income to assets | 0.5489% | 3,532 |
| Return on assets (ROA) | 0.5489% | 3,619 |
| Pretax return on assets | 0.6743% | 3,667 |
| Return on Equity (ROE) | 7.8111% | 2,456 |
| Retained earnings to average equity (ytd only) | 7.8111% | 749 |
| Net charge-offs to loans | 0.9167% | 2,555 |
| Credit loss provision to net charge-offs | 182.2656% | 2,261 |
| Earnings coverage of net charge-offs (x) | 3.8352% | 3,180 |
| Efficiency ratio | 77.3484% | 3,301 |
| Assets per employee ($millions) | 5.9338% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3548% | 1,407 |
| Loan loss allowance to noncurrent loans | 136.7656% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 5,445 |
| Noncurrent loans to loans | 1.7218% | 4,053 |
| Net loans and leases to total assets | 41.2277% | 7,285 |
| Net loans and leases to deposits | 91.8633% | 1,917 |
| Net loans and leases to core deposits | 130.0869% | 1,281 |
| Total domestic deposits to total assets | 44.8793% | 7,927 |
| Equity capital to assets | 9.1632% | 4,896 |
| Core capital (leverage) ratio | 6.6168% | 7,438 |
| Tier 1 risk-based capital ratio | 15.0201% | 2,930 |
| Total risk-based capital ratio | 16.2764% | 2,877 |
| Memoranda: |
| Average total assets | $2,371,463,000 | 304 |
| Average earning assets | $2,243,673,600 | 296 |
| Average equity | $166,646,800 | 416 |
| Average total loans | $866,726,000 | 544 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0941% | 7,975 |
| Cost of funding earning assets | 1.1367% | 7,074 |
| Net interest margin | 1.9574% | 7,833 |
| Noninterest income to average assets | 3.8171% | 174 |
| Noninterest expense to average assets | 4.2886% | 925 |
| Loan and lease loss provision to assets | 0.6436% | 2,827 |
| Net operating income to assets | 0.5826% | 3,662 |
| Return on assets (ROA) | 0.5826% | 3,736 |
| Pretax return on assets | 0.7410% | 3,726 |
| Return on Equity (ROE) | 8.8318% | 2,325 |
| Retained earnings to average equity (ytd only) | 8.8318% | 882 |
| Net charge-offs to loans | 1.0114% | 1,952 |
| Credit loss provision to net charge-offs | 179.7193% | 2,556 |
| Earnings coverage of net charge-offs (x) | 3.8665% | 3,358 |
| Efficiency ratio | 74.7023% | 3,741 |
| Assets per employee ($millions) | 6.9055% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1537% | 1,500 |
| Loan loss allowance to noncurrent loans | 110.3430% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 5,723 |
| Noncurrent loans to loans | 1.9518% | 3,704 |
| Net loans and leases to total assets | 35.0539% | 7,651 |
| Net loans and leases to deposits | 188.0403% | 31 |
| Net loans and leases to core deposits | 193.8357% | 120 |
| Total domestic deposits to total assets | 18.6417% | 8,048 |
| Equity capital to assets | 7.4433% | 7,342 |
| Core capital (leverage) ratio | 6.2021% | 7,760 |
| Tier 1 risk-based capital ratio | 14.7321% | 3,168 |
| Total risk-based capital ratio | 15.9811% | 3,114 |
| Memoranda: |
| Average total assets | $2,467,375,250 | 311 |
| Average earning assets | $2,339,605,500 | 299 |
| Average equity | $162,771,750 | 438 |
| Average total loans | $873,584,250 | 556 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0892% | 8,070 |
| Cost of funding earning assets | 1.1275% | 7,307 |
| Net interest margin | 1.9616% | 7,881 |
| Noninterest income to average assets | 3.9914% | 165 |
| Noninterest expense to average assets | 4.5692% | 726 |
| Loan and lease loss provision to assets | 0.5543% | 2,800 |
| Net operating income to assets | 0.5781% | 3,775 |
| Return on assets (ROA) | 0.5781% | 3,882 |
| Pretax return on assets | 0.7286% | 3,906 |
| Return on Equity (ROE) | 9.1373% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.1373% | 904 |
| Net charge-offs to loans | 1.2662% | 1,460 |
| Credit loss provision to net charge-offs | 124.1020% | 3,748 |
| Earnings coverage of net charge-offs (x) | 2.8723% | 3,663 |
| Efficiency ratio | 77.2236% | 3,468 |
| Assets per employee ($millions) | 7.8568% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5909% | 2,783 |
| Loan loss allowance to noncurrent loans | 116.0344% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 6,258 |
| Noncurrent loans to loans | 1.3710% | 4,470 |
| Net loans and leases to total assets | 33.9304% | 7,775 |
| Net loans and leases to deposits | 220.5588% | 33 |
| Net loans and leases to core deposits | 245.9823% | 63 |
| Total domestic deposits to total assets | 15.3838% | 8,142 |
| Equity capital to assets | 6.5206% | 7,812 |
| Core capital (leverage) ratio | 5.7198% | 7,961 |
| Tier 1 risk-based capital ratio | 12.4946% | 4,528 |
| Total risk-based capital ratio | 13.6042% | 4,561 |
| Memoranda: |
| Average total assets | $2,493,403,000 | 314 |
| Average earning assets | $2,364,961,000 | 302 |
| Average equity | $157,748,330 | 454 |
| Average total loans | $879,453,670 | 569 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2333% | 8,121 |
| Cost of funding earning assets | 1.1434% | 7,437 |
| Net interest margin | 2.0899% | 7,854 |
| Noninterest income to average assets | 4.1729% | 161 |
| Noninterest expense to average assets | 4.2368% | 902 |
| Loan and lease loss provision to assets | 0.7394% | 1,740 |
| Net operating income to assets | 0.8858% | 2,755 |
| Return on assets (ROA) | 0.8858% | 2,904 |
| Pretax return on assets | 1.1732% | 2,710 |
| Return on Equity (ROE) | 14.2377% | 1,121 |
| Retained earnings to average equity (ytd only) | 14.2377% | 497 |
| Net charge-offs to loans | 1.2868% | 1,093 |
| Credit loss provision to net charge-offs | 160.9555% | 2,634 |
| Earnings coverage of net charge-offs (x) | 4.1634% | 2,958 |
| Efficiency ratio | 68.0602% | 4,959 |
| Assets per employee ($millions) | 8.1355% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7261% | 2,056 |
| Loan loss allowance to noncurrent loans | 127.3635% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 6,258 |
| Noncurrent loans to loans | 1.3553% | 4,281 |
| Net loans and leases to total assets | 30.0046% | 7,915 |
| Net loans and leases to deposits | 240.7217% | 27 |
| Net loans and leases to core deposits | 245.2054% | 72 |
| Total domestic deposits to total assets | 12.4644% | 8,202 |
| Equity capital to assets | 5.8333% | 8,027 |
| Core capital (leverage) ratio | 6.2136% | 7,967 |
| Tier 1 risk-based capital ratio | 12.4057% | 4,610 |
| Total risk-based capital ratio | 13.5483% | 4,624 |
| Memoranda: |
| Average total assets | $2,424,093,500 | 322 |
| Average earning assets | $2,292,543,500 | 313 |
| Average equity | $150,811,000 | 464 |
| Average total loans | $865,434,000 | 577 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2098% | 8,077 |
| Cost of funding earning assets | 2.2038% | 5,580 |
| Net interest margin | 2.0060% | 8,059 |
| Noninterest income to average assets | 5.3134% | 118 |
| Noninterest expense to average assets | 5.4607% | 509 |
| Loan and lease loss provision to assets | 0.5318% | 2,691 |
| Net operating income to assets | 0.8862% | 3,058 |
| Return on assets (ROA) | 0.9026% | 2,836 |
| Pretax return on assets | 1.2052% | 2,616 |
| Return on Equity (ROE) | 12.5232% | 1,440 |
| Retained earnings to average equity (ytd only) | 12.5232% | 192 |
| Net charge-offs to loans | 0.8190% | 1,531 |
| Credit loss provision to net charge-offs | 150.0679% | 3,497 |
| Earnings coverage of net charge-offs (x) | 4.8400% | 3,839 |
| Efficiency ratio | 75.1692% | 3,377 |
| Assets per employee ($millions) | 5.9001% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4960% | 2,717 |
| Loan loss allowance to noncurrent loans | 154.4660% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 5,971 |
| Noncurrent loans to loans | 0.9685% | 4,659 |
| Net loans and leases to total assets | 42.1687% | 7,577 |
| Net loans and leases to deposits | 318.5416% | 21 |
| Net loans and leases to core deposits | 340.2404% | 36 |
| Total domestic deposits to total assets | 13.2381% | 8,256 |
| Equity capital to assets | 6.7548% | 7,851 |
| Core capital (leverage) ratio | 6.1781% | 8,028 |
| Tier 1 risk-based capital ratio | 10.8384% | 5,870 |
| Total risk-based capital ratio | 11.8523% | 6,004 |
| Memoranda: |
| Average total assets | $1,871,234,800 | 382 |
| Average earning assets | $1,737,250,800 | 374 |
| Average equity | $134,861,400 | 521 |
| Average total loans | $809,664,200 | 585 |
