| 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 | 3.9472% | 3,797 |
| Cost of funding earning assets | 0.7933% | 977 |
| Net interest margin | 3.1539% | 4,593 |
| Noninterest income to average assets | 0.2964% | 4,181 |
| Noninterest expense to average assets | 1.8334% | 5,118 |
| Loan and lease loss provision to assets | -0.0838% | 5,497 |
| Net operating income to assets | 1.0813% | 2,515 |
| Return on assets (ROA) | 1.0813% | 2,531 |
| Pretax return on assets | 1.4394% | 1,865 |
| Return on Equity (ROE) | 6.4006% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.4006% | 2,549 |
| Net charge-offs to loans | -0.1156% | 5,254 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3317% | 4,429 |
| Assets per employee ($millions) | 10.2412% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8285% | 4,710 |
| Loan loss allowance to noncurrent loans | 249.2086% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 3,897 |
| Noncurrent loans to loans | 0.3325% | 3,578 |
| Net loans and leases to total assets | 72.3340% | 2,117 |
| Net loans and leases to deposits | 103.3175% | 518 |
| Net loans and leases to core deposits | 128.8438% | 365 |
| Total domestic deposits to total assets | 70.0113% | 5,361 |
| Equity capital to assets | 17.1088% | 392 |
| Core capital (leverage) ratio | 13.0690% | 1,160 |
| Tier 1 risk-based capital ratio | 18.1359% | 1,796 |
| Total risk-based capital ratio | 19.0241% | 1,849 |
| Memoranda: |
| Average total assets | $2,989,648,500 | 320 |
| Average earning assets | $2,741,968,000 | 313 |
| Average equity | $505,075,000 | 237 |
| Average total loans | $2,165,816,000 | 311 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7738% | 4,134 |
| Cost of funding earning assets | 0.7741% | 722 |
| Net interest margin | 2.9997% | 4,885 |
| Noninterest income to average assets | 0.3103% | 4,241 |
| Noninterest expense to average assets | 1.8262% | 5,221 |
| Loan and lease loss provision to assets | -0.0279% | 5,348 |
| Net operating income to assets | 0.7920% | 3,198 |
| Return on assets (ROA) | 0.8019% | 3,192 |
| Pretax return on assets | 1.2787% | 2,439 |
| Return on Equity (ROE) | 4.8950% | 4,206 |
| Retained earnings to average equity (ytd only) | 4.8950% | 2,192 |
| Net charge-offs to loans | -0.0093% | 4,771 |
| Credit loss provision to net charge-offs | 419.0955% | 732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4705% | 4,343 |
| Assets per employee ($millions) | 10.0985% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8289% | 4,742 |
| Loan loss allowance to noncurrent loans | 148.2571% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 3,243 |
| Noncurrent loans to loans | 0.5591% | 2,821 |
| Net loans and leases to total assets | 71.3595% | 2,331 |
| Net loans and leases to deposits | 102.8380% | 558 |
| Net loans and leases to core deposits | 130.5875% | 326 |
| Total domestic deposits to total assets | 69.3902% | 5,427 |
| Equity capital to assets | 16.6823% | 430 |
| Core capital (leverage) ratio | 12.5215% | 1,346 |
| Tier 1 risk-based capital ratio | 17.7889% | 1,861 |
| Total risk-based capital ratio | 18.6811% | 1,917 |
| Memoranda: |
| Average total assets | $2,993,335,800 | 307 |
| Average earning assets | $2,745,370,000 | 304 |
| Average equity | $490,394,200 | 233 |
| Average total loans | $2,143,554,400 | 301 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7359% | 4,222 |
| Cost of funding earning assets | 0.7590% | 727 |
| Net interest margin | 2.9768% | 4,969 |
| Noninterest income to average assets | 0.3021% | 4,369 |
| Noninterest expense to average assets | 1.7827% | 5,292 |
| Loan and lease loss provision to assets | -0.0310% | 5,493 |
| Net operating income to assets | 0.7993% | 3,525 |
| Return on assets (ROA) | 0.8125% | 3,519 |
| Pretax return on assets | 1.3017% | 2,481 |
| Return on Equity (ROE) | 4.9824% | 4,536 |
| Retained earnings to average equity (ytd only) | 4.9824% | 2,897 |
| Net charge-offs to loans | -0.0053% | 4,474 |
| Credit loss provision to net charge-offs | 818.8235% | 426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6031% | 4,416 |
| Assets per employee ($millions) | 10.0054% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8213% | 4,836 |
| Loan loss allowance to noncurrent loans | 141.7574% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 3,348 |
| Noncurrent loans to loans | 0.5794% | 2,954 |
| Net loans and leases to total assets | 71.3531% | 2,348 |
| Net loans and leases to deposits | 99.5025% | 783 |
| Net loans and leases to core deposits | 121.1256% | 551 |
| Total domestic deposits to total assets | 71.7099% | 5,395 |
| Equity capital to assets | 16.3465% | 498 |
| Core capital (leverage) ratio | 12.3130% | 1,508 |
| Tier 1 risk-based capital ratio | 17.4942% | 2,013 |
| Total risk-based capital ratio | 18.3818% | 2,077 |
| Memoranda: |
| Average total assets | $2,989,335,000 | 309 |
| Average earning assets | $2,742,005,500 | 309 |
| Average equity | $487,486,000 | 234 |
| Average total loans | $2,138,094,000 | 301 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6885% | 4,264 |
| Cost of funding earning assets | 0.7310% | 759 |
| Net interest margin | 2.9575% | 4,991 |
| Noninterest income to average assets | 0.2983% | 4,402 |
| Noninterest expense to average assets | 1.7754% | 5,338 |
| Loan and lease loss provision to assets | -0.0468% | 5,599 |
| Net operating income to assets | 0.7988% | 3,408 |
| Return on assets (ROA) | 0.8103% | 3,406 |
| Pretax return on assets | 1.2976% | 2,393 |
| Return on Equity (ROE) | 4.9727% | 4,485 |
| Retained earnings to average equity (ytd only) | 4.9727% | 2,726 |
| Net charge-offs to loans | -0.0237% | 4,836 |
| Credit loss provision to net charge-offs | 277.2908% | 1,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8318% | 4,487 |
| Assets per employee ($millions) | 9.8993% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8331% | 4,865 |
| Loan loss allowance to noncurrent loans | 152.7796% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 3,532 |
| Noncurrent loans to loans | 0.5453% | 3,108 |
| Net loans and leases to total assets | 71.9834% | 2,207 |
| Net loans and leases to deposits | 100.6007% | 693 |
| Net loans and leases to core deposits | 123.2135% | 458 |
| Total domestic deposits to total assets | 71.5535% | 5,479 |
| Equity capital to assets | 16.3612% | 490 |
| Core capital (leverage) ratio | 12.4757% | 1,383 |
| Tier 1 risk-based capital ratio | 17.2116% | 2,096 |
| Total risk-based capital ratio | 18.1108% | 2,151 |
| Memoranda: |
| Average total assets | $2,971,901,670 | 313 |
| Average earning assets | $2,723,179,000 | 313 |
| Average equity | $484,247,330 | 238 |
| Average total loans | $2,121,367,670 | 305 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6206% | 4,365 |
| Cost of funding earning assets | 0.7189% | 767 |
| Net interest margin | 2.9017% | 5,081 |
| Noninterest income to average assets | 0.3019% | 4,399 |
| Noninterest expense to average assets | 1.7262% | 5,450 |
| Loan and lease loss provision to assets | -0.0725% | 5,735 |
| Net operating income to assets | 0.8153% | 3,148 |
| Return on assets (ROA) | 0.8239% | 3,161 |
| Pretax return on assets | 1.3188% | 2,172 |
| Return on Equity (ROE) | 5.0670% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.0670% | 2,852 |
| Net charge-offs to loans | -0.0174% | 4,668 |
| Credit loss provision to net charge-offs | 589.0110% | 525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1502% | 4,699 |
| Assets per employee ($millions) | 9.5449% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8595% | 4,901 |
| Loan loss allowance to noncurrent loans | 155.3443% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 3,628 |
| Noncurrent loans to loans | 0.5533% | 3,153 |
| Net loans and leases to total assets | 70.4776% | 2,297 |
| Net loans and leases to deposits | 98.0638% | 767 |
| Net loans and leases to core deposits | 117.9759% | 527 |
| Total domestic deposits to total assets | 71.8692% | 5,545 |
| Equity capital to assets | 16.3098% | 453 |
| Core capital (leverage) ratio | 12.2206% | 1,490 |
| Tier 1 risk-based capital ratio | 17.4654% | 2,039 |
| Total risk-based capital ratio | 18.4021% | 2,084 |
| Memoranda: |
| Average total assets | $2,958,109,500 | 316 |
| Average earning assets | $2,708,751,000 | 311 |
| Average equity | $480,994,500 | 237 |
| Average total loans | $2,093,417,000 | 311 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6561% | 4,353 |
| Cost of funding earning assets | 0.7096% | 781 |
| Net interest margin | 2.9465% | 5,056 |
| Noninterest income to average assets | 0.3992% | 3,890 |
| Noninterest expense to average assets | 1.9443% | 5,297 |
| Loan and lease loss provision to assets | -0.0211% | 5,524 |
| Net operating income to assets | 0.7443% | 3,563 |
| Return on assets (ROA) | 0.7633% | 3,582 |
| Pretax return on assets | 1.1865% | 2,728 |
| Return on Equity (ROE) | 4.7317% | 4,549 |
| Retained earnings to average equity (ytd only) | 4.7317% | 2,527 |
| Net charge-offs to loans | -0.0061% | 4,844 |
| Credit loss provision to net charge-offs | 485.7143% | 678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9270% | 4,118 |
| Assets per employee ($millions) | 9.6331% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8949% | 4,800 |
| Loan loss allowance to noncurrent loans | 146.6809% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 3,537 |
| Noncurrent loans to loans | 0.6101% | 3,021 |
| Net loans and leases to total assets | 69.8162% | 2,512 |
| Net loans and leases to deposits | 98.3876% | 792 |
| Net loans and leases to core deposits | 122.5892% | 412 |
| Total domestic deposits to total assets | 70.9604% | 5,616 |
| Equity capital to assets | 16.2103% | 472 |
| Core capital (leverage) ratio | 11.8745% | 1,684 |
| Tier 1 risk-based capital ratio | 17.1003% | 2,127 |
| Total risk-based capital ratio | 18.0665% | 2,175 |
| Memoranda: |
| Average total assets | $2,902,123,400 | 305 |
| Average earning assets | $2,640,360,400 | 299 |
| Average equity | $468,180,200 | 231 |
| Average total loans | $2,052,084,000 | 303 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6456% | 4,423 |
| Cost of funding earning assets | 0.7030% | 804 |
| Net interest margin | 2.9426% | 5,107 |
| Noninterest income to average assets | 0.4451% | 3,593 |
| Noninterest expense to average assets | 1.9213% | 5,343 |
| Loan and lease loss provision to assets | 0.0056% | 4,115 |
| Net operating income to assets | 0.7610% | 3,557 |
| Return on assets (ROA) | 0.7847% | 3,574 |
| Pretax return on assets | 1.2297% | 2,708 |
| Return on Equity (ROE) | 4.8701% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.8701% | 2,912 |
| Net charge-offs to loans | -0.0103% | 4,775 |
| Credit loss provision to net charge-offs | -77.2152% | 4,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3892% | 4,325 |
| Assets per employee ($millions) | 9.9539% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9266% | 4,771 |
| Loan loss allowance to noncurrent loans | 172.7127% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 3,673 |
| Noncurrent loans to loans | 0.5365% | 3,382 |
| Net loans and leases to total assets | 68.8196% | 2,679 |
| Net loans and leases to deposits | 95.2633% | 1,120 |
| Net loans and leases to core deposits | 118.7816% | 546 |
| Total domestic deposits to total assets | 72.2415% | 5,586 |
| Equity capital to assets | 15.7858% | 587 |
| Core capital (leverage) ratio | 11.5611% | 1,980 |
| Tier 1 risk-based capital ratio | 16.7090% | 2,331 |
| Total risk-based capital ratio | 17.7171% | 2,380 |
| Memoranda: |
| Average total assets | $2,890,719,000 | 302 |
| Average earning assets | $2,627,253,000 | 300 |
| Average equity | $465,766,000 | 231 |
| Average total loans | $2,045,959,250 | 301 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6557% | 4,431 |
| Cost of funding earning assets | 0.6925% | 836 |
| Net interest margin | 2.9633% | 5,147 |
| Noninterest income to average assets | 0.3092% | 4,569 |
| Noninterest expense to average assets | 1.9399% | 5,389 |
| Loan and lease loss provision to assets | 0.0086% | 3,911 |
| Net operating income to assets | 0.6710% | 3,956 |
| Return on assets (ROA) | 0.7071% | 3,906 |
| Pretax return on assets | 1.1042% | 3,183 |
| Return on Equity (ROE) | 4.3574% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.3574% | 3,143 |
| Net charge-offs to loans | -0.0261% | 5,060 |
| Credit loss provision to net charge-offs | -46.0377% | 4,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5308% | 3,928 |
| Assets per employee ($millions) | 9.7522% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9173% | 4,897 |
| Loan loss allowance to noncurrent loans | 191.6092% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,547 |
| Noncurrent loans to loans | 0.4788% | 3,651 |
| Net loans and leases to total assets | 71.8287% | 2,200 |
| Net loans and leases to deposits | 100.5468% | 651 |
| Net loans and leases to core deposits | 127.6272% | 339 |
| Total domestic deposits to total assets | 71.4380% | 5,702 |
| Equity capital to assets | 15.9971% | 547 |
| Core capital (leverage) ratio | 11.4102% | 2,055 |
| Tier 1 risk-based capital ratio | 15.7540% | 2,760 |
| Total risk-based capital ratio | 16.7418% | 2,797 |
| Memoranda: |
| Average total assets | $2,852,266,330 | 306 |
| Average earning assets | $2,586,347,330 | 301 |
| Average equity | $462,843,670 | 234 |
| Average total loans | $2,031,905,670 | 302 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6267% | 4,549 |
| Cost of funding earning assets | 0.6856% | 867 |
| Net interest margin | 2.9412% | 5,237 |
| Noninterest income to average assets | 0.3181% | 4,451 |
| Noninterest expense to average assets | 2.0103% | 5,309 |
| Loan and lease loss provision to assets | 0.0107% | 3,555 |
| Net operating income to assets | 0.6179% | 4,103 |
| Return on assets (ROA) | 0.6268% | 4,188 |
| Pretax return on assets | 0.9727% | 3,572 |
| Return on Equity (ROE) | 3.8344% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.8344% | 3,578 |
| Net charge-offs to loans | -0.0072% | 4,407 |
| Credit loss provision to net charge-offs | -208.3333% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2499% | 3,589 |
| Assets per employee ($millions) | 9.4697% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9437% | 4,883 |
| Loan loss allowance to noncurrent loans | 152.1618% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 3,245 |
| Noncurrent loans to loans | 0.6202% | 3,314 |
| Net loans and leases to total assets | 70.1641% | 2,316 |
| Net loans and leases to deposits | 98.5412% | 718 |
| Net loans and leases to core deposits | 123.2516% | 383 |
| Total domestic deposits to total assets | 71.2028% | 5,810 |
| Equity capital to assets | 16.1303% | 518 |
| Core capital (leverage) ratio | 11.6381% | 1,880 |
| Tier 1 risk-based capital ratio | 15.5690% | 2,878 |
| Total risk-based capital ratio | 16.5598% | 2,952 |
| Memoranda: |
| Average total assets | $2,815,569,000 | 305 |
| Average earning assets | $2,547,964,500 | 302 |
| Average equity | $460,255,500 | 234 |
| Average total loans | $1,987,399,000 | 305 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7918% | 4,070 |
| Cost of funding earning assets | 0.7217% | 727 |
| Net interest margin | 3.0701% | 4,977 |
| Noninterest income to average assets | 0.3926% | 4,088 |
| Noninterest expense to average assets | 2.2818% | 4,843 |
| Loan and lease loss provision to assets | -0.0302% | 5,691 |
| Net operating income to assets | 0.5751% | 4,400 |
| Return on assets (ROA) | 0.5811% | 4,467 |
| Pretax return on assets | 0.8924% | 3,869 |
| Return on Equity (ROE) | 3.5117% | 5,137 |
| Retained earnings to average equity (ytd only) | 3.5117% | 3,563 |
| Net charge-offs to loans | -0.0330% | 5,427 |
| Credit loss provision to net charge-offs | 132.7948% | 1,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5536% | 2,821 |
| Assets per employee ($millions) | 8.4459% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9817% | 4,706 |
| Loan loss allowance to noncurrent loans | 158.3936% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 3,790 |
| Noncurrent loans to loans | 0.6198% | 3,324 |
| Net loans and leases to total assets | 69.6395% | 2,423 |
| Net loans and leases to deposits | 98.8743% | 755 |
| Net loans and leases to core deposits | 116.5386% | 588 |
| Total domestic deposits to total assets | 70.4324% | 5,873 |
| Equity capital to assets | 16.5717% | 457 |
| Core capital (leverage) ratio | 11.3994% | 2,047 |
| Tier 1 risk-based capital ratio | 16.0484% | 2,666 |
| Total risk-based capital ratio | 17.0863% | 2,702 |
| Memoranda: |
| Average total assets | $2,725,202,000 | 299 |
| Average earning assets | $2,434,159,200 | 299 |
| Average equity | $450,947,800 | 228 |
| Average total loans | $1,878,098,800 | 299 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7954% | 4,102 |
| Cost of funding earning assets | 0.7239% | 740 |
| Net interest margin | 3.0716% | 5,031 |
| Noninterest income to average assets | 0.4020% | 4,071 |
| Noninterest expense to average assets | 2.3034% | 4,771 |
| Loan and lease loss provision to assets | -0.0404% | 5,894 |
| Net operating income to assets | 0.5695% | 4,531 |
| Return on assets (ROA) | 0.5759% | 4,587 |
| Pretax return on assets | 0.8848% | 4,032 |
| Return on Equity (ROE) | 3.4817% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.4817% | 3,991 |
| Net charge-offs to loans | -0.0580% | 5,590 |
| Credit loss provision to net charge-offs | 101.7284% | 2,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1684% | 2,689 |
| Assets per employee ($millions) | 6.7441% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0093% | 4,698 |
| Loan loss allowance to noncurrent loans | 140.8160% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 3,785 |
| Noncurrent loans to loans | 0.7167% | 3,186 |
| Net loans and leases to total assets | 67.9787% | 2,679 |
| Net loans and leases to deposits | 96.1281% | 992 |
| Net loans and leases to core deposits | 110.5643% | 847 |
| Total domestic deposits to total assets | 70.7168% | 5,941 |
| Equity capital to assets | 16.3810% | 512 |
| Core capital (leverage) ratio | 11.1957% | 2,308 |
| Tier 1 risk-based capital ratio | 15.9228% | 2,836 |
| Total risk-based capital ratio | 16.9855% | 2,864 |
| Memoranda: |
| Average total assets | $2,716,051,500 | 306 |
| Average earning assets | $2,419,168,500 | 305 |
| Average equity | $449,265,250 | 233 |
| Average total loans | $1,862,029,500 | 303 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8068% | 4,040 |
| Cost of funding earning assets | 0.7238% | 746 |
| Net interest margin | 3.0830% | 5,006 |
| Noninterest income to average assets | 0.3875% | 4,170 |
| Noninterest expense to average assets | 2.3154% | 4,804 |
| Loan and lease loss provision to assets | -0.0528% | 6,032 |
| Net operating income to assets | 0.5650% | 4,501 |
| Return on assets (ROA) | 0.5698% | 4,578 |
| Pretax return on assets | 0.8745% | 4,049 |
| Return on Equity (ROE) | 3.4330% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.4330% | 3,861 |
| Net charge-offs to loans | -0.0756% | 5,691 |
| Credit loss provision to net charge-offs | 102.0057% | 2,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7375% | 2,713 |
| Assets per employee ($millions) | 6.8222% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0260% | 4,732 |
| Loan loss allowance to noncurrent loans | 134.2863% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 3,552 |
| Noncurrent loans to loans | 0.7641% | 3,205 |
| Net loans and leases to total assets | 67.4005% | 2,730 |
| Net loans and leases to deposits | 95.2662% | 1,025 |
| Net loans and leases to core deposits | 110.7805% | 792 |
| Total domestic deposits to total assets | 70.7497% | 6,001 |
| Equity capital to assets | 16.3775% | 477 |
| Core capital (leverage) ratio | 11.2974% | 2,164 |
| Tier 1 risk-based capital ratio | 16.0000% | 2,863 |
| Total risk-based capital ratio | 17.0895% | 2,896 |
| Memoranda: |
| Average total assets | $2,695,214,670 | 304 |
| Average earning assets | $2,397,389,670 | 307 |
| Average equity | $447,302,000 | 235 |
| Average total loans | $1,846,676,670 | 303 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8473% | 3,838 |
| Cost of funding earning assets | 0.7285% | 744 |
| Net interest margin | 3.1188% | 4,887 |
| Noninterest income to average assets | 0.3975% | 4,023 |
| Noninterest expense to average assets | 2.3932% | 4,617 |
| Loan and lease loss provision to assets | -0.0850% | 6,196 |
| Net operating income to assets | 0.5583% | 4,449 |
| Return on assets (ROA) | 0.5613% | 4,545 |
| Pretax return on assets | 0.8616% | 4,016 |
| Return on Equity (ROE) | 3.3589% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.3589% | 3,966 |
| Net charge-offs to loans | -0.1206% | 5,920 |
| Credit loss provision to net charge-offs | 102.5362% | 1,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3640% | 2,602 |
| Assets per employee ($millions) | 6.4410% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0401% | 4,822 |
| Loan loss allowance to noncurrent loans | 111.8091% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 3,272 |
| Noncurrent loans to loans | 0.9302% | 2,919 |
| Net loans and leases to total assets | 68.0574% | 2,430 |
| Net loans and leases to deposits | 97.5002% | 721 |
| Net loans and leases to core deposits | 112.3837% | 634 |
| Total domestic deposits to total assets | 69.8023% | 6,138 |
| Equity capital to assets | 16.6283% | 476 |
| Core capital (leverage) ratio | 12.0035% | 1,635 |
| Tier 1 risk-based capital ratio | 16.4685% | 2,692 |
| Total risk-based capital ratio | 17.5479% | 2,721 |
| Memoranda: |
| Average total assets | $2,664,744,000 | 306 |
| Average earning assets | $2,364,872,000 | 308 |
| Average equity | $445,258,500 | 233 |
| Average total loans | $1,831,554,000 | 303 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8943% | 4,137 |
| Cost of funding earning assets | 0.7844% | 703 |
| Net interest margin | 3.1100% | 5,178 |
| Noninterest income to average assets | 0.4170% | 4,062 |
| Noninterest expense to average assets | 2.6655% | 3,991 |
| Loan and lease loss provision to assets | -0.0882% | 6,125 |
| Net operating income to assets | 0.3893% | 5,252 |
| Return on assets (ROA) | 0.4056% | 5,266 |
| Pretax return on assets | 0.6114% | 4,905 |
| Return on Equity (ROE) | 2.4269% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.4269% | 4,505 |
| Net charge-offs to loans | -0.0757% | 6,044 |
| Credit loss provision to net charge-offs | 180.0469% | 1,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9705% | 1,412 |
| Assets per employee ($millions) | 6.3700% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0639% | 4,739 |
| Loan loss allowance to noncurrent loans | 100.3593% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 3,089 |
| Noncurrent loans to loans | 1.0600% | 2,704 |
| Net loans and leases to total assets | 67.9614% | 2,557 |
| Net loans and leases to deposits | 98.1371% | 749 |
| Net loans and leases to core deposits | 112.2137% | 686 |
| Total domestic deposits to total assets | 69.2515% | 6,227 |
| Equity capital to assets | 16.7918% | 440 |
| Core capital (leverage) ratio | 10.6862% | 2,734 |
| Tier 1 risk-based capital ratio | 15.4252% | 3,263 |
| Total risk-based capital ratio | 16.5681% | 3,258 |
| Memoranda: |
| Average total assets | $2,609,906,600 | 291 |
| Average earning assets | $2,305,341,400 | 295 |
| Average equity | $436,191,400 | 228 |
| Average total loans | $1,688,038,400 | 302 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8643% | 4,305 |
| Cost of funding earning assets | 0.7911% | 717 |
| Net interest margin | 3.0732% | 5,326 |
| Noninterest income to average assets | 0.4259% | 4,057 |
| Noninterest expense to average assets | 2.6840% | 3,879 |
| Loan and lease loss provision to assets | -0.1050% | 6,283 |
| Net operating income to assets | 0.3758% | 5,340 |
| Return on assets (ROA) | 0.3837% | 5,385 |
| Pretax return on assets | 0.5713% | 5,125 |
| Return on Equity (ROE) | 2.2985% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.2985% | 4,908 |
| Net charge-offs to loans | -0.1132% | 6,178 |
| Credit loss provision to net charge-offs | 145.7001% | 1,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2389% | 1,260 |
| Assets per employee ($millions) | 5.9267% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0977% | 4,762 |
| Loan loss allowance to noncurrent loans | 79.7015% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 2,679 |
| Noncurrent loans to loans | 1.3772% | 2,352 |
| Net loans and leases to total assets | 66.3914% | 2,791 |
| Net loans and leases to deposits | 94.9865% | 959 |
| Net loans and leases to core deposits | 109.6615% | 757 |
| Total domestic deposits to total assets | 69.8955% | 6,290 |
| Equity capital to assets | 16.4825% | 493 |
| Core capital (leverage) ratio | 10.4934% | 3,051 |
| Tier 1 risk-based capital ratio | 15.2338% | 3,455 |
| Total risk-based capital ratio | 16.3977% | 3,440 |
| Memoranda: |
| Average total assets | $2,603,092,500 | 291 |
| Average earning assets | $2,297,699,750 | 292 |
| Average equity | $434,532,250 | 223 |
| Average total loans | $1,657,167,000 | 302 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8306% | 4,409 |
| Cost of funding earning assets | 0.7950% | 729 |
| Net interest margin | 3.0356% | 5,425 |
| Noninterest income to average assets | 0.4392% | 3,951 |
| Noninterest expense to average assets | 2.6520% | 4,048 |
| Loan and lease loss provision to assets | -0.1588% | 6,435 |
| Net operating income to assets | 0.4173% | 5,148 |
| Return on assets (ROA) | 0.4067% | 5,278 |
| Pretax return on assets | 0.6079% | 4,935 |
| Return on Equity (ROE) | 2.4258% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.4258% | 4,667 |
| Net charge-offs to loans | -0.2292% | 6,373 |
| Credit loss provision to net charge-offs | 110.9307% | 1,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8018% | 1,411 |
| Assets per employee ($millions) | 5.7997% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1861% | 4,490 |
| Loan loss allowance to noncurrent loans | 74.4075% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.3418% | 2,443 |
| Noncurrent loans to loans | 1.5940% | 2,187 |
| Net loans and leases to total assets | 63.5745% | 3,146 |
| Net loans and leases to deposits | 91.5189% | 1,211 |
| Net loans and leases to core deposits | 106.8932% | 839 |
| Total domestic deposits to total assets | 69.4659% | 6,374 |
| Equity capital to assets | 16.6174% | 465 |
| Core capital (leverage) ratio | 10.6026% | 2,820 |
| Tier 1 risk-based capital ratio | 15.7176% | 3,235 |
| Total risk-based capital ratio | 16.9519% | 3,185 |
| Memoranda: |
| Average total assets | $2,581,785,670 | 290 |
| Average earning assets | $2,277,368,330 | 294 |
| Average equity | $432,846,330 | 223 |
| Average total loans | $1,612,783,330 | 304 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8164% | 4,417 |
| Cost of funding earning assets | 0.7945% | 764 |
| Net interest margin | 3.0219% | 5,476 |
| Noninterest income to average assets | 0.4220% | 4,015 |
| Noninterest expense to average assets | 2.5704% | 4,377 |
| Loan and lease loss provision to assets | 0.0070% | 3,729 |
| Net operating income to assets | 0.3460% | 5,328 |
| Return on assets (ROA) | 0.3519% | 5,360 |
| Pretax return on assets | 0.5191% | 5,109 |
| Return on Equity (ROE) | 2.0897% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.0897% | 4,765 |
| Net charge-offs to loans | -0.0102% | 5,051 |
| Credit loss provision to net charge-offs | -112.5000% | 4,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9566% | 1,802 |
| Assets per employee ($millions) | 5.7758% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2717% | 4,269 |
| Loan loss allowance to noncurrent loans | 64.9997% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.4992% | 2,354 |
| Noncurrent loans to loans | 1.9565% | 1,924 |
| Net loans and leases to total assets | 61.5576% | 3,304 |
| Net loans and leases to deposits | 89.2736% | 1,225 |
| Net loans and leases to core deposits | 104.4489% | 827 |
| Total domestic deposits to total assets | 68.9539% | 6,484 |
| Equity capital to assets | 16.8540% | 411 |
| Core capital (leverage) ratio | 10.5962% | 2,812 |
| Tier 1 risk-based capital ratio | 16.1730% | 3,070 |
| Total risk-based capital ratio | 17.4072% | 3,045 |
| Memoranda: |
| Average total assets | $2,556,137,000 | 293 |
| Average earning assets | $2,254,889,000 | 300 |
| Average equity | $430,494,500 | 223 |
| Average total loans | $1,572,144,000 | 314 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9576% | 4,254 |
| Cost of funding earning assets | 0.8285% | 1,046 |
| Net interest margin | 3.1290% | 5,226 |
| Noninterest income to average assets | 0.4574% | 4,040 |
| Noninterest expense to average assets | 2.6864% | 4,140 |
| Loan and lease loss provision to assets | -0.0415% | 6,356 |
| Net operating income to assets | 0.3725% | 5,251 |
| Return on assets (ROA) | 0.5168% | 4,793 |
| Pretax return on assets | 0.7796% | 4,227 |
| Return on Equity (ROE) | 2.9881% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.9881% | 4,115 |
| Net charge-offs to loans | 0.0750% | 4,158 |
| Credit loss provision to net charge-offs | -95.0000% | 5,866 |
| Earnings coverage of net charge-offs (x) | 11.8898% | 2,189 |
| Efficiency ratio | 83.4856% | 1,688 |
| Assets per employee ($millions) | 5.7253% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3164% | 4,058 |
| Loan loss allowance to noncurrent loans | 61.1996% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 1.6187% | 2,296 |
| Noncurrent loans to loans | 2.1509% | 1,826 |
| Net loans and leases to total assets | 59.8511% | 3,745 |
| Net loans and leases to deposits | 87.1303% | 1,558 |
| Net loans and leases to core deposits | 103.2858% | 955 |
| Total domestic deposits to total assets | 68.6915% | 6,566 |
| Equity capital to assets | 16.8291% | 417 |
| Core capital (leverage) ratio | 10.5612% | 2,834 |
| Tier 1 risk-based capital ratio | 16.2760% | 2,976 |
| Total risk-based capital ratio | 17.5098% | 2,934 |
| Memoranda: |
| Average total assets | $2,471,900,400 | 296 |
| Average earning assets | $2,171,290,800 | 301 |
| Average equity | $427,498,400 | 219 |
| Average total loans | $1,440,597,000 | 320 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9698% | 4,241 |
| Cost of funding earning assets | 0.8443% | 1,077 |
| Net interest margin | 3.1255% | 5,248 |
| Noninterest income to average assets | 0.4590% | 4,089 |
| Noninterest expense to average assets | 2.7020% | 4,012 |
| Loan and lease loss provision to assets | -0.0314% | 6,515 |
| Net operating income to assets | 0.3521% | 5,429 |
| Return on assets (ROA) | 0.5352% | 4,794 |
| Pretax return on assets | 0.8032% | 4,283 |
| Return on Equity (ROE) | 3.0732% | 5,581 |
| Retained earnings to average equity (ytd only) | 3.0732% | 4,481 |
| Net charge-offs to loans | 0.1430% | 3,107 |
| Credit loss provision to net charge-offs | -38.0764% | 5,688 |
| Earnings coverage of net charge-offs (x) | 6.0461% | 3,048 |
| Efficiency ratio | 84.1113% | 1,581 |
| Assets per employee ($millions) | 5.5151% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3891% | 3,943 |
| Loan loss allowance to noncurrent loans | 60.6554% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.7345% | 2,367 |
| Noncurrent loans to loans | 2.2902% | 1,914 |
| Net loans and leases to total assets | 57.9506% | 4,016 |
| Net loans and leases to deposits | 84.5992% | 1,795 |
| Net loans and leases to core deposits | 101.0038% | 1,054 |
| Total domestic deposits to total assets | 68.5002% | 6,651 |
| Equity capital to assets | 17.1532% | 399 |
| Core capital (leverage) ratio | 10.6432% | 2,846 |
| Tier 1 risk-based capital ratio | 16.5660% | 2,913 |
| Total risk-based capital ratio | 17.7915% | 2,882 |
| Memoranda: |
| Average total assets | $2,454,361,750 | 298 |
| Average earning assets | $2,152,889,500 | 306 |
| Average equity | $427,421,750 | 218 |
| Average total loans | $1,415,310,750 | 328 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0431% | 3,948 |
| Cost of funding earning assets | 0.8598% | 1,085 |
| Net interest margin | 3.1833% | 4,998 |
| Noninterest income to average assets | 0.4464% | 4,190 |
| Noninterest expense to average assets | 2.7644% | 3,804 |
| Loan and lease loss provision to assets | -0.0473% | 6,644 |
| Net operating income to assets | 0.3434% | 5,428 |
| Return on assets (ROA) | 0.6156% | 4,381 |
| Pretax return on assets | 0.9316% | 3,774 |
| Return on Equity (ROE) | 3.5171% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.5171% | 4,085 |
| Net charge-offs to loans | 0.1532% | 2,874 |
| Credit loss provision to net charge-offs | -53.9179% | 5,545 |
| Earnings coverage of net charge-offs (x) | 5.3769% | 2,906 |
| Efficiency ratio | 85.1275% | 1,512 |
| Assets per employee ($millions) | 5.7090% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4524% | 3,801 |
| Loan loss allowance to noncurrent loans | 62.8952% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.7293% | 2,517 |
| Noncurrent loans to loans | 2.3093% | 2,045 |
| Net loans and leases to total assets | 56.9566% | 4,143 |
| Net loans and leases to deposits | 82.1851% | 2,037 |
| Net loans and leases to core deposits | 97.8436% | 1,226 |
| Total domestic deposits to total assets | 69.3029% | 6,675 |
| Equity capital to assets | 17.2445% | 398 |
| Core capital (leverage) ratio | 10.5390% | 2,832 |
| Tier 1 risk-based capital ratio | 16.4554% | 2,954 |
| Total risk-based capital ratio | 17.6810% | 2,927 |
| Memoranda: |
| Average total assets | $2,443,384,330 | 300 |
| Average earning assets | $2,141,271,000 | 309 |
| Average equity | $427,679,000 | 216 |
| Average total loans | $1,399,845,000 | 326 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2331% | 3,171 |
| Cost of funding earning assets | 0.8818% | 1,075 |
| Net interest margin | 3.3513% | 4,311 |
| Noninterest income to average assets | 0.4347% | 4,218 |
| Noninterest expense to average assets | 2.8827% | 3,407 |
| Loan and lease loss provision to assets | -0.0952% | 6,834 |
| Net operating income to assets | 0.3970% | 5,139 |
| Return on assets (ROA) | 0.4743% | 4,968 |
| Pretax return on assets | 0.7027% | 4,569 |
| Return on Equity (ROE) | 2.6892% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.6892% | 4,675 |
| Net charge-offs to loans | 0.1634% | 2,422 |
| Credit loss provision to net charge-offs | -102.1201% | 5,149 |
| Earnings coverage of net charge-offs (x) | 5.2809% | 2,384 |
| Efficiency ratio | 85.1866% | 1,625 |
| Assets per employee ($millions) | 5.6779% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5587% | 3,578 |
| Loan loss allowance to noncurrent loans | 67.8249% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.6635% | 2,784 |
| Noncurrent loans to loans | 2.2981% | 2,278 |
| Net loans and leases to total assets | 54.7340% | 4,286 |
| Net loans and leases to deposits | 78.4631% | 2,278 |
| Net loans and leases to core deposits | 93.7886% | 1,363 |
| Total domestic deposits to total assets | 69.7576% | 6,767 |
| Equity capital to assets | 17.5058% | 370 |
| Core capital (leverage) ratio | 10.2576% | 3,068 |
| Tier 1 risk-based capital ratio | 16.5320% | 2,986 |
| Total risk-based capital ratio | 17.7610% | 2,955 |
| Memoranda: |
| Average total assets | $2,429,080,000 | 306 |
| Average earning assets | $2,131,098,500 | 314 |
| Average equity | $428,377,000 | 220 |
| Average total loans | $1,385,410,000 | 329 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3636% | 3,973 |
| Cost of funding earning assets | 1.0515% | 1,115 |
| Net interest margin | 3.3122% | 5,207 |
| Noninterest income to average assets | 0.4379% | 4,334 |
| Noninterest expense to average assets | 2.7646% | 4,163 |
| Loan and lease loss provision to assets | 0.2004% | 3,133 |
| Net operating income to assets | 2.1611% | 274 |
| Return on assets (ROA) | 2.2467% | 253 |
| Pretax return on assets | 0.4821% | 5,333 |
| Return on Equity (ROE) | 13.5781% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.5781% | 223 |
| Net charge-offs to loans | 0.3768% | 2,751 |
| Credit loss provision to net charge-offs | 91.5950% | 3,408 |
| Earnings coverage of net charge-offs (x) | 2.7283% | 4,065 |
| Efficiency ratio | 77.2169% | 2,561 |
| Assets per employee ($millions) | 5.7543% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5921% | 3,356 |
| Loan loss allowance to noncurrent loans | 77.4424% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.5652% | 3,038 |
| Noncurrent loans to loans | 2.0558% | 2,631 |
| Net loans and leases to total assets | 57.5651% | 4,050 |
| Net loans and leases to deposits | 87.9847% | 1,276 |
| Net loans and leases to core deposits | 102.8507% | 841 |
| Total domestic deposits to total assets | 65.4262% | 6,909 |
| Equity capital to assets | 17.7675% | 343 |
| Core capital (leverage) ratio | 10.3233% | 2,981 |
| Tier 1 risk-based capital ratio | 15.8200% | 3,259 |
| Total risk-based capital ratio | 17.0504% | 3,225 |
| Memoranda: |
| Average total assets | $2,338,281,200 | 311 |
| Average earning assets | $2,063,994,800 | 312 |
| Average equity | $386,902,600 | 234 |
| Average total loans | $1,357,895,800 | 328 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4089% | 4,008 |
| Cost of funding earning assets | 1.0683% | 1,202 |
| Net interest margin | 3.3406% | 5,246 |
| Noninterest income to average assets | 0.4361% | 4,384 |
| Noninterest expense to average assets | 2.8265% | 3,886 |
| Loan and lease loss provision to assets | 0.1208% | 4,041 |
| Net operating income to assets | 0.4322% | 5,112 |
| Return on assets (ROA) | 0.5376% | 4,941 |
| Pretax return on assets | 0.5519% | 5,294 |
| Return on Equity (ROE) | 3.3121% | 5,570 |
| Retained earnings to average equity (ytd only) | 3.3121% | 4,540 |
| Net charge-offs to loans | 0.2967% | 2,952 |
| Credit loss provision to net charge-offs | 70.2405% | 3,896 |
| Earnings coverage of net charge-offs (x) | 3.2802% | 3,715 |
| Efficiency ratio | 76.8362% | 2,545 |
| Assets per employee ($millions) | 5.6815% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5526% | 3,722 |
| Loan loss allowance to noncurrent loans | 78.6747% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.5685% | 3,242 |
| Noncurrent loans to loans | 1.9735% | 2,866 |
| Net loans and leases to total assets | 58.5778% | 4,030 |
| Net loans and leases to deposits | 89.2050% | 1,239 |
| Net loans and leases to core deposits | 105.3716% | 773 |
| Total domestic deposits to total assets | 65.6665% | 6,983 |
| Equity capital to assets | 16.2407% | 564 |
| Core capital (leverage) ratio | 10.1970% | 3,286 |
| Tier 1 risk-based capital ratio | 15.2391% | 3,683 |
| Total risk-based capital ratio | 16.4694% | 3,642 |
| Memoranda: |
| Average total assets | $2,321,522,500 | 312 |
| Average earning assets | $2,053,185,500 | 313 |
| Average equity | $376,787,250 | 237 |
| Average total loans | $1,345,613,750 | 331 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4287% | 4,073 |
| Cost of funding earning assets | 1.0846% | 1,289 |
| Net interest margin | 3.3441% | 5,291 |
| Noninterest income to average assets | 0.4533% | 4,268 |
| Noninterest expense to average assets | 2.9114% | 3,576 |
| Loan and lease loss provision to assets | 0.0139% | 5,489 |
| Net operating income to assets | 0.4713% | 4,943 |
| Return on assets (ROA) | 0.5490% | 4,867 |
| Pretax return on assets | 0.5666% | 5,256 |
| Return on Equity (ROE) | 3.3835% | 5,532 |
| Retained earnings to average equity (ytd only) | 3.3835% | 4,351 |
| Net charge-offs to loans | 0.2405% | 3,130 |
| Credit loss provision to net charge-offs | 10.0566% | 4,738 |
| Earnings coverage of net charge-offs (x) | 3.6223% | 3,325 |
| Efficiency ratio | 78.1287% | 2,445 |
| Assets per employee ($millions) | 5.5873% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5646% | 3,721 |
| Loan loss allowance to noncurrent loans | 76.6448% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 3,367 |
| Noncurrent loans to loans | 2.0414% | 2,900 |
| Net loans and leases to total assets | 57.3741% | 4,269 |
| Net loans and leases to deposits | 85.0002% | 1,724 |
| Net loans and leases to core deposits | 100.4997% | 1,063 |
| Total domestic deposits to total assets | 67.4987% | 7,014 |
| Equity capital to assets | 16.0936% | 561 |
| Core capital (leverage) ratio | 10.1441% | 3,208 |
| Tier 1 risk-based capital ratio | 15.3158% | 3,565 |
| Total risk-based capital ratio | 16.5448% | 3,534 |
| Memoranda: |
| Average total assets | $2,303,740,000 | 312 |
| Average earning assets | $2,037,963,670 | 311 |
| Average equity | $373,818,000 | 235 |
| Average total loans | $1,323,122,670 | 337 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4386% | 4,166 |
| Cost of funding earning assets | 1.1115% | 1,341 |
| Net interest margin | 3.3271% | 5,384 |
| Noninterest income to average assets | 0.5938% | 3,270 |
| Noninterest expense to average assets | 2.9821% | 3,324 |
| Loan and lease loss provision to assets | -0.0363% | 7,132 |
| Net operating income to assets | 0.5679% | 4,501 |
| Return on assets (ROA) | 0.5796% | 4,666 |
| Pretax return on assets | 0.6005% | 5,120 |
| Return on Equity (ROE) | 3.5569% | 5,482 |
| Retained earnings to average equity (ytd only) | 3.5569% | 4,448 |
| Net charge-offs to loans | 0.2146% | 2,855 |
| Credit loss provision to net charge-offs | -29.6562% | 5,394 |
| Earnings coverage of net charge-offs (x) | 4.5129% | 2,559 |
| Efficiency ratio | 77.3568% | 2,595 |
| Assets per employee ($millions) | 5.6147% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6878% | 3,392 |
| Loan loss allowance to noncurrent loans | 88.5541% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.4343% | 3,711 |
| Noncurrent loans to loans | 1.9059% | 3,275 |
| Net loans and leases to total assets | 55.3451% | 4,499 |
| Net loans and leases to deposits | 82.8465% | 1,812 |
| Net loans and leases to core deposits | 97.7844% | 1,139 |
| Total domestic deposits to total assets | 66.8044% | 7,087 |
| Equity capital to assets | 16.2925% | 533 |
| Core capital (leverage) ratio | 10.0188% | 3,347 |
| Tier 1 risk-based capital ratio | 15.6350% | 3,372 |
| Total risk-based capital ratio | 16.8704% | 3,350 |
| Memoranda: |
| Average total assets | $2,282,286,500 | 310 |
| Average earning assets | $2,017,025,500 | 308 |
| Average equity | $371,897,000 | 234 |
| Average total loans | $1,300,800,500 | 339 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5342% | 4,937 |
| Cost of funding earning assets | 1.2365% | 1,807 |
| Net interest margin | 3.2977% | 5,810 |
| Noninterest income to average assets | 0.3748% | 4,831 |
| Noninterest expense to average assets | 2.7495% | 4,556 |
| Loan and lease loss provision to assets | 0.2461% | 3,749 |
| Net operating income to assets | 0.1440% | 5,755 |
| Return on assets (ROA) | 0.1910% | 5,746 |
| Pretax return on assets | 0.3513% | 5,422 |
| Return on Equity (ROE) | 1.1463% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.1463% | 5,318 |
| Net charge-offs to loans | 0.7860% | 2,191 |
| Credit loss provision to net charge-offs | 56.5664% | 5,255 |
| Earnings coverage of net charge-offs (x) | 1.2044% | 4,881 |
| Efficiency ratio | 76.1049% | 2,873 |
| Assets per employee ($millions) | 5.6143% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7528% | 3,012 |
| Loan loss allowance to noncurrent loans | 96.7251% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.3817% | 3,931 |
| Noncurrent loans to loans | 1.8122% | 3,451 |
| Net loans and leases to total assets | 56.6999% | 4,594 |
| Net loans and leases to deposits | 87.0387% | 1,518 |
| Net loans and leases to core deposits | 103.8894% | 910 |
| Total domestic deposits to total assets | 65.1433% | 7,151 |
| Equity capital to assets | 16.2975% | 543 |
| Core capital (leverage) ratio | 9.9409% | 3,402 |
| Tier 1 risk-based capital ratio | 15.3887% | 3,395 |
| Total risk-based capital ratio | 16.6258% | 3,357 |
| Memoranda: |
| Average total assets | $2,193,335,400 | 318 |
| Average earning assets | $1,927,902,400 | 320 |
| Average equity | $365,537,200 | 232 |
| Average total loans | $1,213,943,800 | 355 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5282% | 5,174 |
| Cost of funding earning assets | 1.2607% | 1,929 |
| Net interest margin | 3.2674% | 5,958 |
| Noninterest income to average assets | 0.3722% | 4,890 |
| Noninterest expense to average assets | 2.7371% | 4,586 |
| Loan and lease loss provision to assets | 0.2964% | 3,153 |
| Net operating income to assets | 0.1936% | 5,716 |
| Return on assets (ROA) | 0.2785% | 5,637 |
| Pretax return on assets | 0.2969% | 5,708 |
| Return on Equity (ROE) | 1.6615% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.6615% | 5,304 |
| Net charge-offs to loans | 0.9679% | 1,657 |
| Credit loss provision to net charge-offs | 55.9524% | 4,899 |
| Earnings coverage of net charge-offs (x) | 0.9494% | 4,909 |
| Efficiency ratio | 76.4467% | 2,777 |
| Assets per employee ($millions) | 5.6509% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8258% | 2,847 |
| Loan loss allowance to noncurrent loans | 96.3561% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.4299% | 3,975 |
| Noncurrent loans to loans | 1.8949% | 3,510 |
| Net loans and leases to total assets | 55.1024% | 4,983 |
| Net loans and leases to deposits | 83.6276% | 2,057 |
| Net loans and leases to core deposits | 98.6568% | 1,372 |
| Total domestic deposits to total assets | 65.8902% | 7,201 |
| Equity capital to assets | 16.2211% | 597 |
| Core capital (leverage) ratio | 9.7743% | 3,736 |
| Tier 1 risk-based capital ratio | 15.3618% | 3,453 |
| Total risk-based capital ratio | 16.6003% | 3,428 |
| Memoranda: |
| Average total assets | $2,177,435,500 | 322 |
| Average earning assets | $1,911,128,750 | 322 |
| Average equity | $364,965,750 | 235 |
| Average total loans | $1,191,802,000 | 361 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5303% | 5,261 |
| Cost of funding earning assets | 1.2620% | 2,169 |
| Net interest margin | 3.2683% | 5,943 |
| Noninterest income to average assets | 0.4285% | 4,437 |
| Noninterest expense to average assets | 2.7840% | 4,490 |
| Loan and lease loss provision to assets | 0.2355% | 3,556 |
| Net operating income to assets | 0.2556% | 5,540 |
| Return on assets (ROA) | 0.2855% | 5,563 |
| Pretax return on assets | 0.3084% | 5,651 |
| Return on Equity (ROE) | 1.6844% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.6844% | 5,152 |
| Net charge-offs to loans | 0.5929% | 2,337 |
| Credit loss provision to net charge-offs | 73.2138% | 3,975 |
| Earnings coverage of net charge-offs (x) | 1.5910% | 4,095 |
| Efficiency ratio | 76.4799% | 2,941 |
| Assets per employee ($millions) | 5.6280% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1175% | 2,083 |
| Loan loss allowance to noncurrent loans | 113.1729% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.4013% | 4,120 |
| Noncurrent loans to loans | 1.8710% | 3,653 |
| Net loans and leases to total assets | 53.7584% | 5,329 |
| Net loans and leases to deposits | 83.1288% | 2,248 |
| Net loans and leases to core deposits | 101.6914% | 1,195 |
| Total domestic deposits to total assets | 64.6688% | 7,297 |
| Equity capital to assets | 16.4377% | 550 |
| Core capital (leverage) ratio | 10.0199% | 3,239 |
| Tier 1 risk-based capital ratio | 15.7557% | 3,102 |
| Total risk-based capital ratio | 16.9959% | 3,085 |
| Memoranda: |
| Average total assets | $2,149,790,670 | 330 |
| Average earning assets | $1,885,920,000 | 332 |
| Average equity | $364,401,670 | 236 |
| Average total loans | $1,166,175,330 | 376 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5406% | 5,200 |
| Cost of funding earning assets | 1.2690% | 2,365 |
| Net interest margin | 3.2715% | 5,873 |
| Noninterest income to average assets | 0.4396% | 4,368 |
| Noninterest expense to average assets | 2.9064% | 4,031 |
| Loan and lease loss provision to assets | -0.0646% | 7,478 |
| Net operating income to assets | 0.4595% | 4,662 |
| Return on assets (ROA) | 0.3600% | 5,209 |
| Pretax return on assets | 0.3600% | 5,472 |
| Return on Equity (ROE) | 2.0899% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.0899% | 4,886 |
| Net charge-offs to loans | 0.6274% | 1,948 |
| Credit loss provision to net charge-offs | -19.1119% | 5,604 |
| Earnings coverage of net charge-offs (x) | 1.1681% | 3,779 |
| Efficiency ratio | 79.8860% | 2,555 |
| Assets per employee ($millions) | 5.5019% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1719% | 2,024 |
| Loan loss allowance to noncurrent loans | 96.4196% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.5018% | 4,000 |
| Noncurrent loans to loans | 2.2526% | 3,252 |
| Net loans and leases to total assets | 51.7778% | 5,611 |
| Net loans and leases to deposits | 80.0556% | 2,719 |
| Net loans and leases to core deposits | 97.9951% | 1,527 |
| Total domestic deposits to total assets | 64.6773% | 7,359 |
| Equity capital to assets | 16.8949% | 451 |
| Core capital (leverage) ratio | 10.3452% | 2,763 |
| Tier 1 risk-based capital ratio | 16.3825% | 2,716 |
| Total risk-based capital ratio | 17.6215% | 2,691 |
| Memoranda: |
| Average total assets | $2,104,717,000 | 335 |
| Average earning assets | $1,841,086,000 | 341 |
| Average equity | $362,505,500 | 229 |
| Average total loans | $1,134,161,000 | 388 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6142% | 6,069 |
| Cost of funding earning assets | 1.3922% | 3,322 |
| Net interest margin | 3.2221% | 6,218 |
| Noninterest income to average assets | 0.4188% | 4,753 |
| Noninterest expense to average assets | 2.8762% | 4,324 |
| Loan and lease loss provision to assets | 0.8954% | 1,825 |
| Net operating income to assets | -0.4527% | 6,355 |
| Return on assets (ROA) | -0.4974% | 6,416 |
| Pretax return on assets | -0.6216% | 6,410 |
| Return on Equity (ROE) | -2.8332% | 6,264 |
| Retained earnings to average equity (ytd only) | -2.8332% | 6,084 |
| Net charge-offs to loans | 2.1830% | 896 |
| Credit loss provision to net charge-offs | 76.6675% | 5,676 |
| Earnings coverage of net charge-offs (x) | 0.2823% | 5,824 |
| Efficiency ratio | 80.8269% | 2,304 |
| Assets per employee ($millions) | 5.1696% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4001% | 1,548 |
| Loan loss allowance to noncurrent loans | 99.2567% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.6212% | 3,884 |
| Noncurrent loans to loans | 2.4181% | 3,096 |
| Net loans and leases to total assets | 53.5822% | 5,692 |
| Net loans and leases to deposits | 85.7628% | 2,147 |
| Net loans and leases to core deposits | 107.7577% | 1,071 |
| Total domestic deposits to total assets | 62.4772% | 7,474 |
| Equity capital to assets | 17.5705% | 401 |
| Core capital (leverage) ratio | 10.4949% | 2,564 |
| Tier 1 risk-based capital ratio | 16.3745% | 2,580 |
| Total risk-based capital ratio | 17.6133% | 2,546 |
| Memoranda: |
| Average total assets | $1,987,099,200 | 350 |
| Average earning assets | $1,718,840,400 | 364 |
| Average equity | $348,828,000 | 231 |
| Average total loans | $1,063,117,400 | 423 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6116% | 6,303 |
| Cost of funding earning assets | 1.3951% | 3,614 |
| Net interest margin | 3.2165% | 6,284 |
| Noninterest income to average assets | 0.4169% | 4,819 |
| Noninterest expense to average assets | 2.8735% | 4,195 |
| Loan and lease loss provision to assets | 1.2256% | 1,156 |
| Net operating income to assets | -0.9068% | 6,846 |
| Return on assets (ROA) | -0.9764% | 6,931 |
| Pretax return on assets | -0.9763% | 6,845 |
| Return on Equity (ROE) | -5.5634% | 6,691 |
| Retained earnings to average equity (ytd only) | -5.5634% | 6,601 |
| Net charge-offs to loans | 2.7826% | 584 |
| Credit loss provision to net charge-offs | 82.8898% | 5,044 |
| Earnings coverage of net charge-offs (x) | 0.2157% | 5,794 |
| Efficiency ratio | 81.0165% | 2,206 |
| Assets per employee ($millions) | 5.1302% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7049% | 1,078 |
| Loan loss allowance to noncurrent loans | 95.5093% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.8250% | 3,714 |
| Noncurrent loans to loans | 2.8320% | 2,821 |
| Net loans and leases to total assets | 51.6363% | 6,146 |
| Net loans and leases to deposits | 85.0763% | 2,505 |
| Net loans and leases to core deposits | 107.1943% | 1,221 |
| Total domestic deposits to total assets | 60.6941% | 7,582 |
| Equity capital to assets | 18.1024% | 408 |
| Core capital (leverage) ratio | 10.5564% | 2,632 |
| Tier 1 risk-based capital ratio | 16.7065% | 2,463 |
| Total risk-based capital ratio | 17.9501% | 2,424 |
| Memoranda: |
| Average total assets | $1,972,081,250 | 351 |
| Average earning assets | $1,701,756,500 | 364 |
| Average equity | $346,110,250 | 228 |
| Average total loans | $1,047,923,250 | 426 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6276% | 6,381 |
| Cost of funding earning assets | 1.4049% | 3,847 |
| Net interest margin | 3.2227% | 6,249 |
| Noninterest income to average assets | 0.4121% | 4,809 |
| Noninterest expense to average assets | 2.9107% | 4,036 |
| Loan and lease loss provision to assets | 2.1239% | 574 |
| Net operating income to assets | -1.8436% | 7,268 |
| Return on assets (ROA) | -1.9650% | 7,300 |
| Pretax return on assets | -1.9650% | 7,225 |
| Return on Equity (ROE) | -11.3165% | 7,015 |
| Retained earnings to average equity (ytd only) | -11.3165% | 6,969 |
| Net charge-offs to loans | 4.2450% | 290 |
| Credit loss provision to net charge-offs | 94.1163% | 4,294 |
| Earnings coverage of net charge-offs (x) | 0.1242% | 5,599 |
| Efficiency ratio | 82.1851% | 2,138 |
| Assets per employee ($millions) | 5.2597% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1006% | 760 |
| Loan loss allowance to noncurrent loans | 99.1010% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.7856% | 3,777 |
| Noncurrent loans to loans | 3.1287% | 2,567 |
| Net loans and leases to total assets | 49.2555% | 6,521 |
| Net loans and leases to deposits | 82.6556% | 3,144 |
| Net loans and leases to core deposits | 104.1105% | 1,625 |
| Total domestic deposits to total assets | 59.5913% | 7,664 |
| Equity capital to assets | 17.9954% | 417 |
| Core capital (leverage) ratio | 10.1608% | 2,988 |
| Tier 1 risk-based capital ratio | 16.8552% | 2,338 |
| Total risk-based capital ratio | 18.1022% | 2,290 |
| Memoranda: |
| Average total assets | $1,964,223,000 | 353 |
| Average earning assets | $1,693,755,670 | 368 |
| Average equity | $341,060,000 | 230 |
| Average total loans | $1,044,187,330 | 430 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6823% | 6,308 |
| Cost of funding earning assets | 1.4402% | 3,935 |
| Net interest margin | 3.2421% | 6,156 |
| Noninterest income to average assets | 0.3381% | 5,436 |
| Noninterest expense to average assets | 2.8692% | 4,192 |
| Loan and lease loss provision to assets | 3.6654% | 252 |
| Net operating income to assets | -3.4012% | 7,673 |
| Return on assets (ROA) | -3.5763% | 7,689 |
| Pretax return on assets | -3.5763% | 7,648 |
| Return on Equity (ROE) | -20.9805% | 7,456 |
| Retained earnings to average equity (ytd only) | -20.9805% | 7,398 |
| Net charge-offs to loans | 7.0330% | 136 |
| Credit loss provision to net charge-offs | 95.9252% | 3,526 |
| Earnings coverage of net charge-offs (x) | 0.0692% | 4,977 |
| Efficiency ratio | 82.3510% | 2,231 |
| Assets per employee ($millions) | 5.5936% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1696% | 715 |
| Loan loss allowance to noncurrent loans | 55.4063% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 3.0511% | 2,339 |
| Noncurrent loans to loans | 5.7207% | 1,185 |
| Net loans and leases to total assets | 48.2492% | 6,650 |
| Net loans and leases to deposits | 80.9732% | 3,468 |
| Net loans and leases to core deposits | 105.5495% | 1,615 |
| Total domestic deposits to total assets | 59.5867% | 7,762 |
| Equity capital to assets | 17.5879% | 460 |
| Core capital (leverage) ratio | 10.4974% | 2,623 |
| Tier 1 risk-based capital ratio | 17.0059% | 2,267 |
| Total risk-based capital ratio | 18.2509% | 2,222 |
| Memoranda: |
| Average total assets | $1,960,141,500 | 363 |
| Average earning assets | $1,690,014,000 | 384 |
| Average equity | $334,120,500 | 238 |
| Average total loans | $1,064,983,500 | 441 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1232% | 5,990 |
| Cost of funding earning assets | 1.9109% | 3,405 |
| Net interest margin | 3.2123% | 6,047 |
| Noninterest income to average assets | 0.3883% | 5,309 |
| Noninterest expense to average assets | 4.9702% | 527 |
| Loan and lease loss provision to assets | 3.0961% | 546 |
| Net operating income to assets | -5.2533% | 7,777 |
| Return on assets (ROA) | -4.6526% | 7,693 |
| Pretax return on assets | -4.3642% | 7,614 |
| Return on Equity (ROE) | -24.9974% | 7,288 |
| Retained earnings to average equity (ytd only) | -24.9974% | 7,262 |
| Net charge-offs to loans | 4.5552% | 315 |
| Credit loss provision to net charge-offs | 107.7910% | 5,139 |
| Earnings coverage of net charge-offs (x) | -0.6506% | 6,778 |
| Efficiency ratio | 81.2974% | 2,701 |
| Assets per employee ($millions) | 5.7764% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8609% | 874 |
| Loan loss allowance to noncurrent loans | 25.5603% | 6,761 |
| Noncurrent assets plus other real estate owned to assets | 6.6916% | 792 |
| Noncurrent loans to loans | 11.1929% | 335 |
| Net loans and leases to total assets | 57.3453% | 5,768 |
| Net loans and leases to deposits | 91.6383% | 1,939 |
| Net loans and leases to core deposits | 136.5487% | 932 |
| Total domestic deposits to total assets | 62.5779% | 7,745 |
| Equity capital to assets | 16.4796% | 622 |
| Core capital (leverage) ratio | 8.3836% | 5,467 |
| Tier 1 risk-based capital ratio | 12.7236% | 4,348 |
| Total risk-based capital ratio | 13.9654% | 4,289 |
| Memoranda: |
| Average total assets | $2,040,846,400 | 350 |
| Average earning assets | $1,723,739,600 | 375 |
| Average equity | $379,851,000 | 218 |
| Average total loans | $1,286,848,800 | 382 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2522% | 5,671 |
| Cost of funding earning assets | 1.9929% | 3,390 |
| Net interest margin | 3.2593% | 5,791 |
| Noninterest income to average assets | 0.3805% | 5,472 |
| Noninterest expense to average assets | 2.6883% | 5,376 |
| Loan and lease loss provision to assets | 1.7266% | 1,073 |
| Net operating income to assets | -0.9962% | 6,825 |
| Return on assets (ROA) | -0.5423% | 6,468 |
| Pretax return on assets | -0.7037% | 6,486 |
| Return on Equity (ROE) | -2.8384% | 6,221 |
| Retained earnings to average equity (ytd only) | -2.8384% | 5,906 |
| Net charge-offs to loans | 1.8358% | 1,098 |
| Credit loss provision to net charge-offs | 146.9892% | 3,299 |
| Earnings coverage of net charge-offs (x) | 0.3690% | 5,656 |
| Efficiency ratio | 76.2700% | 3,455 |
| Assets per employee ($millions) | 5.8930% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7189% | 863 |
| Loan loss allowance to noncurrent loans | 25.7446% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 7.0439% | 684 |
| Noncurrent loans to loans | 10.5612% | 358 |
| Net loans and leases to total assets | 64.0559% | 4,861 |
| Net loans and leases to deposits | 104.7420% | 721 |
| Net loans and leases to core deposits | 159.0155% | 397 |
| Total domestic deposits to total assets | 61.1559% | 7,847 |
| Equity capital to assets | 19.1545% | 404 |
| Core capital (leverage) ratio | 9.3748% | 4,082 |
| Tier 1 risk-based capital ratio | 11.9511% | 5,017 |
| Total risk-based capital ratio | 13.1794% | 4,974 |
| Memoranda: |
| Average total assets | $2,071,612,750 | 356 |
| Average earning assets | $1,742,348,750 | 382 |
| Average equity | $395,803,250 | 219 |
| Average total loans | $1,325,524,000 | 386 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4947% | 4,664 |
| Cost of funding earning assets | 2.0833% | 3,346 |
| Net interest margin | 3.4113% | 5,120 |
| Noninterest income to average assets | 0.3871% | 5,403 |
| Noninterest expense to average assets | 2.5565% | 5,916 |
| Loan and lease loss provision to assets | 1.4814% | 1,157 |
| Net operating income to assets | -0.6114% | 6,670 |
| Return on assets (ROA) | 0.1416% | 5,540 |
| Pretax return on assets | 0.1805% | 5,512 |
| Return on Equity (ROE) | 0.7418% | 5,712 |
| Retained earnings to average equity (ytd only) | 0.7418% | 4,895 |
| Net charge-offs to loans | 2.2779% | 782 |
| Credit loss provision to net charge-offs | 102.6118% | 4,456 |
| Earnings coverage of net charge-offs (x) | 0.4824% | 5,222 |
| Efficiency ratio | 69.2072% | 4,943 |
| Assets per employee ($millions) | 5.8842% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1660% | 1,294 |
| Loan loss allowance to noncurrent loans | 26.4366% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 5.1740% | 1,001 |
| Noncurrent loans to loans | 8.1933% | 530 |
| Net loans and leases to total assets | 61.7064% | 5,404 |
| Net loans and leases to deposits | 103.1080% | 980 |
| Net loans and leases to core deposits | 150.2858% | 645 |
| Total domestic deposits to total assets | 59.8464% | 7,936 |
| Equity capital to assets | 19.0860% | 454 |
| Core capital (leverage) ratio | 9.8588% | 3,439 |
| Tier 1 risk-based capital ratio | 12.5464% | 4,491 |
| Total risk-based capital ratio | 13.7530% | 4,441 |
| Memoranda: |
| Average total assets | $2,084,450,000 | 361 |
| Average earning assets | $1,751,226,000 | 387 |
| Average equity | $397,927,670 | 220 |
| Average total loans | $1,321,125,330 | 402 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5448% | 4,668 |
| Cost of funding earning assets | 2.1422% | 3,452 |
| Net interest margin | 3.4026% | 5,131 |
| Noninterest income to average assets | 0.3796% | 5,388 |
| Noninterest expense to average assets | 2.3998% | 6,193 |
| Loan and lease loss provision to assets | 0.4470% | 2,686 |
| Net operating income to assets | 0.3079% | 5,267 |
| Return on assets (ROA) | 0.3079% | 5,442 |
| Pretax return on assets | 0.4124% | 5,357 |
| Return on Equity (ROE) | 1.6128% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.6128% | 4,942 |
| Net charge-offs to loans | 0.5181% | 2,165 |
| Credit loss provision to net charge-offs | 135.8096% | 2,990 |
| Earnings coverage of net charge-offs (x) | 2.6111% | 3,454 |
| Efficiency ratio | 64.3066% | 5,631 |
| Assets per employee ($millions) | 6.2500% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1300% | 1,181 |
| Loan loss allowance to noncurrent loans | 32.9045% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 4.1111% | 1,234 |
| Noncurrent loans to loans | 6.4733% | 688 |
| Net loans and leases to total assets | 62.0427% | 5,314 |
| Net loans and leases to deposits | 100.1879% | 1,389 |
| Net loans and leases to core deposits | 137.9728% | 1,207 |
| Total domestic deposits to total assets | 61.9263% | 7,917 |
| Equity capital to assets | 19.0670% | 488 |
| Core capital (leverage) ratio | 9.9124% | 3,503 |
| Tier 1 risk-based capital ratio | 11.8041% | 5,121 |
| Total risk-based capital ratio | 13.0132% | 5,077 |
| Memoranda: |
| Average total assets | $2,094,003,500 | 360 |
| Average earning assets | $1,772,194,500 | 379 |
| Average equity | $399,796,000 | 219 |
| Average total loans | $1,330,355,500 | 402 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4990% | 2,965 |
| Cost of funding earning assets | 2.5011% | 4,201 |
| Net interest margin | 3.9979% | 3,124 |
| Noninterest income to average assets | 0.4462% | 5,067 |
| Noninterest expense to average assets | 2.4493% | 6,207 |
| Loan and lease loss provision to assets | 1.2736% | 1,122 |
| Net operating income to assets | 0.0978% | 6,117 |
| Return on assets (ROA) | -0.3945% | 6,697 |
| Pretax return on assets | -0.7111% | 6,820 |
| Return on Equity (ROE) | -2.0504% | 6,505 |
| Retained earnings to average equity (ytd only) | -2.0504% | 5,880 |
| Net charge-offs to loans | 0.7009% | 1,758 |
| Credit loss provision to net charge-offs | 292.8529% | 1,550 |
| Earnings coverage of net charge-offs (x) | 3.0623% | 4,554 |
| Efficiency ratio | 56.9532% | 6,881 |
| Assets per employee ($millions) | 6.5464% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0991% | 1,075 |
| Loan loss allowance to noncurrent loans | 41.8737% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 3.1993% | 1,429 |
| Noncurrent loans to loans | 5.0128% | 878 |
| Net loans and leases to total assets | 62.3355% | 5,569 |
| Net loans and leases to deposits | 100.9488% | 1,715 |
| Net loans and leases to core deposits | 132.4149% | 1,696 |
| Total domestic deposits to total assets | 61.7496% | 7,898 |
| Equity capital to assets | 19.1181% | 533 |
| Core capital (leverage) ratio | 9.5305% | 3,972 |
| Tier 1 risk-based capital ratio | 12.1015% | 4,737 |
| Total risk-based capital ratio | 13.3597% | 4,617 |
| Memoranda: |
| Average total assets | $1,930,313,200 | 372 |
| Average earning assets | $1,610,213,600 | 400 |
| Average equity | $371,392,000 | 234 |
| Average total loans | $1,197,734,400 | 433 |
