| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3277% | 3,121 |
| Cost of funding earning assets | 0.3006% | 2,403 |
| Net interest margin | 3.0271% | 3,123 |
| Noninterest income to average assets | 0.2479% | 3,887 |
| Noninterest expense to average assets | 2.1449% | 3,253 |
| Loan and lease loss provision to assets | 0.2356% | 417 |
| Net operating income to assets | 0.5838% | 3,912 |
| Return on assets (ROA) | 0.5793% | 3,964 |
| Pretax return on assets | 0.6929% | 3,939 |
| Return on Equity (ROE) | 5.6368% | 3,856 |
| Retained earnings to average equity (ytd only) | -0.8495% | 4,574 |
| Net charge-offs to loans | 0.4896% | 168 |
| Credit loss provision to net charge-offs | 73.7925% | 1,991 |
| Earnings coverage of net charge-offs (x) | 2.9007% | 2,566 |
| Efficiency ratio | 68.1946% | 1,950 |
| Assets per employee ($millions) | 13.6999% | 261 |
| Cash dividends to net income (ytd only)* | 115.0702% | 129 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8664% | 4,144 |
| Loan loss allowance to noncurrent loans | 224.1570% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 2,312 |
| Noncurrent loans to loans | 0.3865% | 2,201 |
| Net loans and leases to total assets | 64.5098% | 1,648 |
| Net loans and leases to deposits | 73.0699% | 1,805 |
| Net loans and leases to core deposits | 75.5076% | 1,953 |
| Total domestic deposits to total assets | 88.2850% | 1,881 |
| Equity capital to assets | 10.2350% | 2,437 |
| Core capital (leverage) ratio | 8.3719% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5750% | 2,424 |
| Memoranda: |
| Average total assets | $1,993,252,000 | 532 |
| Average earning assets | $1,864,088,600 | 529 |
| Average equity | $204,832,000 | 526 |
| Average total loans | $1,310,861,800 | 518 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3255% | 3,321 |
| Cost of funding earning assets | 0.3324% | 2,271 |
| Net interest margin | 2.9930% | 3,324 |
| Noninterest income to average assets | 0.2469% | 3,917 |
| Noninterest expense to average assets | 2.1157% | 3,315 |
| Loan and lease loss provision to assets | -0.0976% | 4,597 |
| Net operating income to assets | 0.8394% | 3,417 |
| Return on assets (ROA) | 0.8339% | 3,495 |
| Pretax return on assets | 1.0177% | 3,401 |
| Return on Equity (ROE) | 8.1066% | 3,368 |
| Retained earnings to average equity (ytd only) | 2.2592% | 4,121 |
| Net charge-offs to loans | -0.0464% | 4,326 |
| Credit loss provision to net charge-offs | 327.6087% | 958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0602% | 1,826 |
| Assets per employee ($millions) | 14.0254% | 243 |
| Cash dividends to net income (ytd only)* | 72.1314% | 547 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9070% | 4,138 |
| Loan loss allowance to noncurrent loans | 82.4662% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 1,051 |
| Noncurrent loans to loans | 1.0998% | 1,022 |
| Net loans and leases to total assets | 63.6522% | 1,815 |
| Net loans and leases to deposits | 71.9209% | 2,061 |
| Net loans and leases to core deposits | 74.4294% | 2,195 |
| Total domestic deposits to total assets | 88.5031% | 1,563 |
| Equity capital to assets | 10.3460% | 2,571 |
| Core capital (leverage) ratio | 8.3928% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9673% | 2,378 |
| Memoranda: |
| Average total assets | $2,005,218,000 | 529 |
| Average earning assets | $1,872,927,500 | 529 |
| Average equity | $206,262,500 | 526 |
| Average total loans | $1,322,094,000 | 523 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3013% | 3,418 |
| Cost of funding earning assets | 0.3471% | 2,339 |
| Net interest margin | 2.9542% | 3,436 |
| Noninterest income to average assets | 0.2543% | 3,870 |
| Noninterest expense to average assets | 1.9413% | 3,861 |
| Loan and lease loss provision to assets | -0.1312% | 4,685 |
| Net operating income to assets | 0.9823% | 2,952 |
| Return on assets (ROA) | 0.9895% | 3,015 |
| Pretax return on assets | 1.2110% | 2,875 |
| Return on Equity (ROE) | 9.6378% | 2,896 |
| Retained earnings to average equity (ytd only) | 2.8866% | 3,874 |
| Net charge-offs to loans | -0.0581% | 4,435 |
| Credit loss provision to net charge-offs | 371.3918% | 799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9546% | 2,584 |
| Assets per employee ($millions) | 14.3555% | 218 |
| Cash dividends to net income (ytd only)* | 70.0493% | 688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8801% | 4,211 |
| Loan loss allowance to noncurrent loans | 85.3725% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 1,248 |
| Noncurrent loans to loans | 1.0308% | 1,188 |
| Net loans and leases to total assets | 64.0753% | 1,938 |
| Net loans and leases to deposits | 78.7994% | 1,546 |
| Net loans and leases to core deposits | 81.6454% | 1,752 |
| Total domestic deposits to total assets | 81.3145% | 4,042 |
| Equity capital to assets | 10.1541% | 2,719 |
| Core capital (leverage) ratio | 8.4248% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7359% | 2,461 |
| Memoranda: |
| Average total assets | $2,009,753,000 | 525 |
| Average earning assets | $1,876,368,000 | 519 |
| Average equity | $206,332,667 | 522 |
| Average total loans | $1,336,356,000 | 526 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3620% | 3,302 |
| Cost of funding earning assets | 0.3583% | 2,457 |
| Net interest margin | 3.0037% | 3,245 |
| Noninterest income to average assets | 0.2261% | 4,029 |
| Noninterest expense to average assets | 1.9212% | 3,934 |
| Loan and lease loss provision to assets | -0.1321% | 4,756 |
| Net operating income to assets | 1.0171% | 2,758 |
| Return on assets (ROA) | 1.0316% | 2,789 |
| Pretax return on assets | 1.2647% | 2,667 |
| Return on Equity (ROE) | 9.9920% | 2,689 |
| Retained earnings to average equity (ytd only) | 5.6038% | 3,027 |
| Net charge-offs to loans | -0.0134% | 3,803 |
| Credit loss provision to net charge-offs | 1,464.4444% | 327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7919% | 2,793 |
| Assets per employee ($millions) | 14.0616% | 232 |
| Cash dividends to net income (ytd only)* | 43.9176% | 1,288 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8976% | 4,162 |
| Loan loss allowance to noncurrent loans | 227.3517% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 2,838 |
| Noncurrent loans to loans | 0.3948% | 2,691 |
| Net loans and leases to total assets | 65.6263% | 1,842 |
| Net loans and leases to deposits | 78.7153% | 1,643 |
| Net loans and leases to core deposits | 84.6994% | 1,616 |
| Total domestic deposits to total assets | 83.3717% | 3,595 |
| Equity capital to assets | 10.0888% | 2,625 |
| Core capital (leverage) ratio | 8.6448% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9452% | 2,308 |
| Memoranda: |
| Average total assets | $1,995,385,500 | 518 |
| Average earning assets | $1,866,738,500 | 518 |
| Average equity | $206,004,000 | 516 |
| Average total loans | $1,345,652,000 | 521 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8276% | 3,223 |
| Cost of funding earning assets | 0.5498% | 2,614 |
| Net interest margin | 3.2777% | 3,131 |
| Noninterest income to average assets | 0.2893% | 3,751 |
| Noninterest expense to average assets | 2.1435% | 3,843 |
| Loan and lease loss provision to assets | 0.1771% | 2,179 |
| Net operating income to assets | 0.8426% | 2,930 |
| Return on assets (ROA) | 0.8443% | 3,056 |
| Pretax return on assets | 1.0180% | 2,983 |
| Return on Equity (ROE) | 7.8206% | 2,879 |
| Retained earnings to average equity (ytd only) | 4.3866% | 2,598 |
| Net charge-offs to loans | -0.0165% | 4,379 |
| Credit loss provision to net charge-offs | -1,461.9469% | 4,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6988% | 3,018 |
| Assets per employee ($millions) | 13.5579% | 235 |
| Cash dividends to net income (ytd only)* | 43.9099% | 2,151 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9367% | 4,083 |
| Loan loss allowance to noncurrent loans | 238.9498% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 2,954 |
| Noncurrent loans to loans | 0.3920% | 2,804 |
| Net loans and leases to total assets | 68.0488% | 1,822 |
| Net loans and leases to deposits | 82.3676% | 1,622 |
| Net loans and leases to core deposits | 87.2087% | 1,771 |
| Total domestic deposits to total assets | 82.6159% | 3,511 |
| Equity capital to assets | 10.5663% | 2,611 |
| Core capital (leverage) ratio | 8.4185% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7243% | 2,346 |
| Memoranda: |
| Average total assets | $1,865,980,200 | 507 |
| Average earning assets | $1,734,734,000 | 505 |
| Average equity | $201,454,800 | 500 |
| Average total loans | $1,371,248,200 | 490 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8732% | 3,344 |
| Cost of funding earning assets | 0.5986% | 2,624 |
| Net interest margin | 3.2745% | 3,262 |
| Noninterest income to average assets | 0.2919% | 3,738 |
| Noninterest expense to average assets | 2.1699% | 3,751 |
| Loan and lease loss provision to assets | 0.2660% | 1,529 |
| Net operating income to assets | 0.7488% | 3,291 |
| Return on assets (ROA) | 0.7513% | 3,387 |
| Pretax return on assets | 0.8988% | 3,386 |
| Return on Equity (ROE) | 6.9197% | 3,227 |
| Retained earnings to average equity (ytd only) | 3.6900% | 3,199 |
| Net charge-offs to loans | -0.0197% | 4,419 |
| Credit loss provision to net charge-offs | -1,809.3596% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5589% | 2,811 |
| Assets per employee ($millions) | 13.7690% | 212 |
| Cash dividends to net income (ytd only)* | 46.6744% | 1,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9232% | 3,996 |
| Loan loss allowance to noncurrent loans | 257.7037% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,149 |
| Noncurrent loans to loans | 0.3582% | 3,004 |
| Net loans and leases to total assets | 70.3426% | 1,898 |
| Net loans and leases to deposits | 84.8261% | 1,828 |
| Net loans and leases to core deposits | 91.3444% | 1,853 |
| Total domestic deposits to total assets | 82.9257% | 3,160 |
| Equity capital to assets | 10.3052% | 2,958 |
| Core capital (leverage) ratio | 8.4630% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2862% | 2,501 |
| Memoranda: |
| Average total assets | $1,840,999,750 | 504 |
| Average earning assets | $1,708,979,750 | 501 |
| Average equity | $199,887,500 | 497 |
| Average total loans | $1,376,454,750 | 481 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0105% | 3,296 |
| Cost of funding earning assets | 0.6838% | 2,480 |
| Net interest margin | 3.3267% | 3,317 |
| Noninterest income to average assets | 0.3031% | 3,653 |
| Noninterest expense to average assets | 2.2213% | 3,715 |
| Loan and lease loss provision to assets | 0.3804% | 1,087 |
| Net operating income to assets | 0.6626% | 3,537 |
| Return on assets (ROA) | 0.6668% | 3,609 |
| Pretax return on assets | 0.7895% | 3,622 |
| Return on Equity (ROE) | 6.0280% | 3,498 |
| Retained earnings to average equity (ytd only) | 2.8396% | 3,450 |
| Net charge-offs to loans | -0.0192% | 4,392 |
| Credit loss provision to net charge-offs | -2,604.5802% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0084% | 2,824 |
| Assets per employee ($millions) | 12.7176% | 269 |
| Cash dividends to net income (ytd only)* | 52.8930% | 1,454 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8863% | 4,048 |
| Loan loss allowance to noncurrent loans | 236.8244% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 3,192 |
| Noncurrent loans to loans | 0.3742% | 3,070 |
| Net loans and leases to total assets | 74.2340% | 1,383 |
| Net loans and leases to deposits | 91.8902% | 1,174 |
| Net loans and leases to core deposits | 99.7300% | 1,276 |
| Total domestic deposits to total assets | 80.7856% | 3,660 |
| Equity capital to assets | 10.6008% | 2,663 |
| Core capital (leverage) ratio | 8.5831% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1077% | 2,562 |
| Memoranda: |
| Average total assets | $1,793,755,000 | 514 |
| Average earning assets | $1,662,476,333 | 505 |
| Average equity | $198,408,333 | 498 |
| Average total loans | $1,366,038,667 | 474 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1829% | 3,276 |
| Cost of funding earning assets | 0.8675% | 2,024 |
| Net interest margin | 3.3154% | 3,557 |
| Noninterest income to average assets | 0.2847% | 3,817 |
| Noninterest expense to average assets | 2.2612% | 3,857 |
| Loan and lease loss provision to assets | 0.9311% | 241 |
| Net operating income to assets | 0.1550% | 4,595 |
| Return on assets (ROA) | 0.1642% | 4,583 |
| Pretax return on assets | 0.1647% | 4,604 |
| Return on Equity (ROE) | 1.4514% | 4,559 |
| Retained earnings to average equity (ytd only) | -1.9766% | 4,252 |
| Net charge-offs to loans | -0.0165% | 4,264 |
| Credit loss provision to net charge-offs | -7,350.9091% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8847% | 2,984 |
| Assets per employee ($millions) | 11.2144% | 290 |
| Cash dividends to net income (ytd only)* | 236.1851% | 224 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9958% | 3,740 |
| Loan loss allowance to noncurrent loans | 215.5577% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 2,982 |
| Noncurrent loans to loans | 0.4620% | 2,870 |
| Net loans and leases to total assets | 77.0916% | 1,118 |
| Net loans and leases to deposits | 101.1709% | 483 |
| Net loans and leases to core deposits | 105.0384% | 1,116 |
| Total domestic deposits to total assets | 76.1993% | 4,465 |
| Equity capital to assets | 11.5983% | 2,361 |
| Core capital (leverage) ratio | 9.0913% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5589% | 2,908 |
| Memoranda: |
| Average total assets | $1,736,810,000 | 513 |
| Average earning assets | $1,604,624,500 | 508 |
| Average equity | $196,499,500 | 507 |
| Average total loans | $1,334,665,500 | 467 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3660% | 3,344 |
| Cost of funding earning assets | 1.1214% | 1,253 |
| Net interest margin | 3.2446% | 4,096 |
| Noninterest income to average assets | 0.3601% | 3,545 |
| Noninterest expense to average assets | 2.2788% | 3,996 |
| Loan and lease loss provision to assets | 0.0198% | 3,626 |
| Net operating income to assets | 0.8754% | 3,297 |
| Return on assets (ROA) | 0.8806% | 3,366 |
| Pretax return on assets | 1.0580% | 3,304 |
| Return on Equity (ROE) | 8.0159% | 3,153 |
| Retained earnings to average equity (ytd only) | 2.5767% | 3,747 |
| Net charge-offs to loans | 0.2597% | 798 |
| Credit loss provision to net charge-offs | 9.8567% | 3,357 |
| Earnings coverage of net charge-offs (x) | 5.3473% | 3,098 |
| Efficiency ratio | 66.2731% | 2,726 |
| Assets per employee ($millions) | 11.6383% | 251 |
| Cash dividends to net income (ytd only)* | 67.8555% | 1,221 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6516% | 4,648 |
| Loan loss allowance to noncurrent loans | 150.0601% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 3,098 |
| Noncurrent loans to loans | 0.4342% | 2,889 |
| Net loans and leases to total assets | 75.3675% | 1,528 |
| Net loans and leases to deposits | 98.8857% | 684 |
| Net loans and leases to core deposits | 102.2379% | 1,389 |
| Total domestic deposits to total assets | 76.2168% | 4,579 |
| Equity capital to assets | 11.0397% | 2,954 |
| Core capital (leverage) ratio | 8.6889% | 4,725 |
| Tier 1 risk-based capital ratio | 11.5041% | 4,626 |
| Total risk-based capital ratio | 12.1835% | 4,786 |
| Memoranda: |
| Average total assets | $1,741,667,200 | 490 |
| Average earning assets | $1,605,145,400 | 485 |
| Average equity | $191,332,800 | 491 |
| Average total loans | $1,344,021,600 | 447 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3411% | 3,546 |
| Cost of funding earning assets | 1.1317% | 1,232 |
| Net interest margin | 3.2094% | 4,275 |
| Noninterest income to average assets | 0.3581% | 3,586 |
| Noninterest expense to average assets | 2.2681% | 4,033 |
| Loan and lease loss provision to assets | 0.0697% | 2,483 |
| Net operating income to assets | 0.8190% | 3,607 |
| Return on assets (ROA) | 0.8221% | 3,686 |
| Pretax return on assets | 0.9797% | 3,650 |
| Return on Equity (ROE) | 7.4930% | 3,508 |
| Retained earnings to average equity (ytd only) | 1.1495% | 4,527 |
| Net charge-offs to loans | 0.3213% | 537 |
| Credit loss provision to net charge-offs | 27.9938% | 2,925 |
| Earnings coverage of net charge-offs (x) | 4.1994% | 3,033 |
| Efficiency ratio | 66.6721% | 2,642 |
| Assets per employee ($millions) | 12.1155% | 212 |
| Cash dividends to net income (ytd only)* | 84.6592% | 550 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7150% | 4,619 |
| Loan loss allowance to noncurrent loans | 143.3908% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 3,029 |
| Noncurrent loans to loans | 0.4986% | 2,799 |
| Net loans and leases to total assets | 73.0273% | 1,993 |
| Net loans and leases to deposits | 95.3633% | 1,089 |
| Net loans and leases to core deposits | 98.9705% | 1,748 |
| Total domestic deposits to total assets | 76.5780% | 4,577 |
| Equity capital to assets | 10.5927% | 3,477 |
| Core capital (leverage) ratio | 8.6456% | 4,863 |
| Tier 1 risk-based capital ratio | 11.0745% | 4,875 |
| Total risk-based capital ratio | 11.8051% | 4,991 |
| Memoranda: |
| Average total assets | $1,734,827,500 | 489 |
| Average earning assets | $1,597,675,250 | 484 |
| Average equity | $190,342,250 | 495 |
| Average total loans | $1,344,523,250 | 448 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3794% | 3,387 |
| Cost of funding earning assets | 1.1360% | 1,177 |
| Net interest margin | 3.2434% | 4,259 |
| Noninterest income to average assets | 0.3931% | 3,314 |
| Noninterest expense to average assets | 2.2966% | 4,010 |
| Loan and lease loss provision to assets | 0.0825% | 2,193 |
| Net operating income to assets | 0.8376% | 3,513 |
| Return on assets (ROA) | 0.8406% | 3,566 |
| Pretax return on assets | 1.0020% | 3,535 |
| Return on Equity (ROE) | 7.5688% | 3,465 |
| Retained earnings to average equity (ytd only) | 3.1347% | 3,652 |
| Net charge-offs to loans | 0.4715% | 338 |
| Credit loss provision to net charge-offs | 22.1662% | 2,639 |
| Earnings coverage of net charge-offs (x) | 2.9052% | 2,893 |
| Efficiency ratio | 66.2320% | 2,783 |
| Assets per employee ($millions) | 11.2672% | 252 |
| Cash dividends to net income (ytd only)* | 58.5842% | 1,447 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6980% | 4,722 |
| Loan loss allowance to noncurrent loans | 140.0238% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 2,614 |
| Noncurrent loans to loans | 0.4985% | 2,784 |
| Net loans and leases to total assets | 78.7591% | 1,081 |
| Net loans and leases to deposits | 106.2085% | 332 |
| Net loans and leases to core deposits | 110.5953% | 944 |
| Total domestic deposits to total assets | 74.1552% | 4,824 |
| Equity capital to assets | 11.3400% | 2,749 |
| Core capital (leverage) ratio | 9.0067% | 4,621 |
| Tier 1 risk-based capital ratio | 11.2079% | 4,826 |
| Total risk-based capital ratio | 11.9322% | 4,956 |
| Memoranda: |
| Average total assets | $1,707,326,000 | 496 |
| Average earning assets | $1,570,954,000 | 491 |
| Average equity | $189,621,330 | 492 |
| Average total loans | $1,347,129,000 | 447 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3175% | 3,509 |
| Cost of funding earning assets | 1.1260% | 1,101 |
| Net interest margin | 3.1915% | 4,401 |
| Noninterest income to average assets | 0.4715% | 2,729 |
| Noninterest expense to average assets | 2.2323% | 4,178 |
| Loan and lease loss provision to assets | 0.1476% | 1,146 |
| Net operating income to assets | 0.8656% | 3,376 |
| Return on assets (ROA) | 0.8679% | 3,410 |
| Pretax return on assets | 1.0337% | 3,333 |
| Return on Equity (ROE) | 7.8972% | 3,311 |
| Retained earnings to average equity (ytd only) | 5.0201% | 2,896 |
| Net charge-offs to loans | 0.9854% | 141 |
| Credit loss provision to net charge-offs | 19.0290% | 2,142 |
| Earnings coverage of net charge-offs (x) | 1.5196% | 2,585 |
| Efficiency ratio | 63.7068% | 3,286 |
| Assets per employee ($millions) | 11.3092% | 243 |
| Cash dividends to net income (ytd only)* | 36.4322% | 2,032 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6900% | 4,793 |
| Loan loss allowance to noncurrent loans | 113.2087% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 2,401 |
| Noncurrent loans to loans | 0.6095% | 2,509 |
| Net loans and leases to total assets | 77.5770% | 1,224 |
| Net loans and leases to deposits | 111.0093% | 195 |
| Net loans and leases to core deposits | 115.5021% | 665 |
| Total domestic deposits to total assets | 69.8833% | 5,112 |
| Equity capital to assets | 11.1454% | 2,708 |
| Core capital (leverage) ratio | 8.8763% | 4,737 |
| Tier 1 risk-based capital ratio | 11.1496% | 4,909 |
| Total risk-based capital ratio | 11.8590% | 5,043 |
| Memoranda: |
| Average total assets | $1,710,318,000 | 494 |
| Average earning assets | $1,575,170,500 | 492 |
| Average equity | $187,965,500 | 494 |
| Average total loans | $1,346,004,000 | 445 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2412% | 3,309 |
| Cost of funding earning assets | 0.8632% | 1,251 |
| Net interest margin | 3.3780% | 4,059 |
| Noninterest income to average assets | 0.2962% | 4,128 |
| Noninterest expense to average assets | 2.3344% | 4,031 |
| Loan and lease loss provision to assets | 0.1778% | 1,108 |
| Net operating income to assets | 0.7489% | 3,973 |
| Return on assets (ROA) | 0.7476% | 3,978 |
| Pretax return on assets | 0.8973% | 3,906 |
| Return on Equity (ROE) | 6.9885% | 3,824 |
| Retained earnings to average equity (ytd only) | 3.7167% | 3,531 |
| Net charge-offs to loans | 0.0241% | 2,923 |
| Credit loss provision to net charge-offs | 935.9133% | 390 |
| Earnings coverage of net charge-offs (x) | 56.6687% | 1,058 |
| Efficiency ratio | 66.5942% | 2,766 |
| Assets per employee ($millions) | 11.3440% | 235 |
| Cash dividends to net income (ytd only)* | 46.8172% | 2,142 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8755% | 4,274 |
| Loan loss allowance to noncurrent loans | 101.0281% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7723% | 1,809 |
| Noncurrent loans to loans | 0.8666% | 1,861 |
| Net loans and leases to total assets | 78.5862% | 1,169 |
| Net loans and leases to deposits | 112.8436% | 185 |
| Net loans and leases to core deposits | 116.6173% | 668 |
| Total domestic deposits to total assets | 69.6417% | 5,165 |
| Equity capital to assets | 10.8353% | 2,858 |
| Core capital (leverage) ratio | 8.8192% | 4,796 |
| Tier 1 risk-based capital ratio | 10.8018% | 5,065 |
| Total risk-based capital ratio | 11.7203% | 5,090 |
| Memoranda: |
| Average total assets | $1,700,046,800 | 481 |
| Average earning assets | $1,567,654,600 | 474 |
| Average equity | $181,856,000 | 484 |
| Average total loans | $1,340,534,800 | 435 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2076% | 3,297 |
| Cost of funding earning assets | 0.7953% | 1,363 |
| Net interest margin | 3.4123% | 3,966 |
| Noninterest income to average assets | 0.3061% | 4,100 |
| Noninterest expense to average assets | 2.2741% | 4,162 |
| Loan and lease loss provision to assets | 0.0746% | 2,464 |
| Net operating income to assets | 0.9097% | 3,485 |
| Return on assets (ROA) | 0.9075% | 3,498 |
| Pretax return on assets | 1.0980% | 3,411 |
| Return on Equity (ROE) | 8.5111% | 3,324 |
| Retained earnings to average equity (ytd only) | 5.2228% | 3,105 |
| Net charge-offs to loans | 0.0279% | 2,544 |
| Credit loss provision to net charge-offs | 339.2857% | 924 |
| Earnings coverage of net charge-offs (x) | 53.4220% | 1,131 |
| Efficiency ratio | 64.1017% | 3,166 |
| Assets per employee ($millions) | 11.0718% | 241 |
| Cash dividends to net income (ytd only)* | 38.6354% | 2,126 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7343% | 4,800 |
| Loan loss allowance to noncurrent loans | 107.0111% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 2,241 |
| Noncurrent loans to loans | 0.6862% | 2,363 |
| Net loans and leases to total assets | 78.6857% | 1,221 |
| Net loans and leases to deposits | 109.9255% | 290 |
| Net loans and leases to core deposits | 113.5850% | 839 |
| Total domestic deposits to total assets | 71.5809% | 5,155 |
| Equity capital to assets | 10.7917% | 2,850 |
| Core capital (leverage) ratio | 8.8207% | 4,873 |
| Tier 1 risk-based capital ratio | 11.0582% | 5,008 |
| Total risk-based capital ratio | 11.8118% | 5,138 |
| Memoranda: |
| Average total assets | $1,696,821,250 | 480 |
| Average earning assets | $1,563,068,250 | 473 |
| Average equity | $180,919,250 | 483 |
| Average total loans | $1,336,160,750 | 431 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1688% | 3,210 |
| Cost of funding earning assets | 0.7374% | 1,435 |
| Net interest margin | 3.4314% | 3,857 |
| Noninterest income to average assets | 0.2931% | 4,218 |
| Noninterest expense to average assets | 2.2318% | 4,295 |
| Loan and lease loss provision to assets | 0.0918% | 2,089 |
| Net operating income to assets | 0.9303% | 3,320 |
| Return on assets (ROA) | 0.9284% | 3,328 |
| Pretax return on assets | 1.1254% | 3,208 |
| Return on Equity (ROE) | 8.7426% | 3,152 |
| Retained earnings to average equity (ytd only) | 5.4424% | 2,852 |
| Net charge-offs to loans | 0.0120% | 2,730 |
| Credit loss provision to net charge-offs | 973.7500% | 419 |
| Earnings coverage of net charge-offs (x) | 129.4000% | 587 |
| Efficiency ratio | 62.8426% | 3,511 |
| Assets per employee ($millions) | 11.6211% | 210 |
| Cash dividends to net income (ytd only)* | 37.7490% | 2,245 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7301% | 4,866 |
| Loan loss allowance to noncurrent loans | 107.1282% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 2,257 |
| Noncurrent loans to loans | 0.6815% | 2,406 |
| Net loans and leases to total assets | 78.7077% | 1,202 |
| Net loans and leases to deposits | 119.0671% | 117 |
| Net loans and leases to core deposits | 123.2760% | 482 |
| Total domestic deposits to total assets | 66.1036% | 5,386 |
| Equity capital to assets | 10.6276% | 2,998 |
| Core capital (leverage) ratio | 8.5845% | 5,056 |
| Tier 1 risk-based capital ratio | 10.8447% | 5,132 |
| Total risk-based capital ratio | 11.5987% | 5,236 |
| Memoranda: |
| Average total assets | $1,697,765,670 | 479 |
| Average earning assets | $1,562,561,000 | 475 |
| Average equity | $180,289,000 | 485 |
| Average total loans | $1,333,952,330 | 435 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0916% | 3,261 |
| Cost of funding earning assets | 0.6157% | 1,939 |
| Net interest margin | 3.4759% | 3,628 |
| Noninterest income to average assets | 0.2675% | 4,387 |
| Noninterest expense to average assets | 2.2072% | 4,402 |
| Loan and lease loss provision to assets | 0.0825% | 2,144 |
| Net operating income to assets | 0.9624% | 3,023 |
| Return on assets (ROA) | 0.9624% | 3,041 |
| Pretax return on assets | 1.1718% | 2,884 |
| Return on Equity (ROE) | 9.0661% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.7554% | 2,829 |
| Net charge-offs to loans | 0.0079% | 2,452 |
| Credit loss provision to net charge-offs | 1,342.3077% | 270 |
| Earnings coverage of net charge-offs (x) | 204.1154% | 332 |
| Efficiency ratio | 61.9418% | 3,798 |
| Assets per employee ($millions) | 11.3016% | 228 |
| Cash dividends to net income (ytd only)* | 36.5177% | 1,953 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7125% | 5,005 |
| Loan loss allowance to noncurrent loans | 101.2020% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 2,308 |
| Noncurrent loans to loans | 0.7040% | 2,452 |
| Net loans and leases to total assets | 78.2089% | 1,210 |
| Net loans and leases to deposits | 119.3582% | 120 |
| Net loans and leases to core deposits | 130.3911% | 334 |
| Total domestic deposits to total assets | 65.5245% | 5,468 |
| Equity capital to assets | 10.5979% | 2,972 |
| Core capital (leverage) ratio | 8.5510% | 5,103 |
| Tier 1 risk-based capital ratio | 10.7336% | 5,270 |
| Total risk-based capital ratio | 11.4648% | 5,365 |
| Memoranda: |
| Average total assets | $1,692,495,500 | 486 |
| Average earning assets | $1,555,185,500 | 479 |
| Average equity | $179,657,500 | 487 |
| Average total loans | $1,323,700,000 | 439 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0877% | 3,099 |
| Cost of funding earning assets | 0.5870% | 1,696 |
| Net interest margin | 3.5007% | 3,527 |
| Noninterest income to average assets | 0.3236% | 4,154 |
| Noninterest expense to average assets | 2.3451% | 4,220 |
| Loan and lease loss provision to assets | 0.1148% | 1,981 |
| Net operating income to assets | 0.5372% | 4,271 |
| Return on assets (ROA) | 0.5293% | 4,329 |
| Pretax return on assets | 1.0587% | 3,349 |
| Return on Equity (ROE) | 4.8187% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.5428% | 3,806 |
| Net charge-offs to loans | 0.0185% | 3,480 |
| Credit loss provision to net charge-offs | 805.1724% | 425 |
| Earnings coverage of net charge-offs (x) | 83.1681% | 746 |
| Efficiency ratio | 64.4764% | 3,535 |
| Assets per employee ($millions) | 11.4173% | 219 |
| Cash dividends to net income (ytd only)* | 47.2309% | 2,452 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7004% | 5,071 |
| Loan loss allowance to noncurrent loans | 152.7085% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 2,970 |
| Noncurrent loans to loans | 0.4587% | 3,135 |
| Net loans and leases to total assets | 77.1041% | 1,410 |
| Net loans and leases to deposits | 116.5296% | 148 |
| Net loans and leases to core deposits | 130.6408% | 323 |
| Total domestic deposits to total assets | 66.1669% | 5,513 |
| Equity capital to assets | 10.6321% | 3,016 |
| Core capital (leverage) ratio | 8.5941% | 5,048 |
| Tier 1 risk-based capital ratio | 10.6833% | 5,304 |
| Total risk-based capital ratio | 11.3974% | 5,425 |
| Memoranda: |
| Average total assets | $1,627,110,000 | 483 |
| Average earning assets | $1,490,754,000 | 482 |
| Average equity | $178,742,000 | 474 |
| Average total loans | $1,251,278,000 | 445 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0624% | 3,122 |
| Cost of funding earning assets | 0.5605% | 1,807 |
| Net interest margin | 3.5019% | 3,496 |
| Noninterest income to average assets | 0.3126% | 4,290 |
| Noninterest expense to average assets | 2.3214% | 4,241 |
| Loan and lease loss provision to assets | 0.0904% | 2,262 |
| Net operating income to assets | 0.7968% | 3,535 |
| Return on assets (ROA) | 0.7848% | 3,639 |
| Pretax return on assets | 1.0944% | 3,324 |
| Return on Equity (ROE) | 7.0843% | 3,611 |
| Retained earnings to average equity (ytd only) | 4.8055% | 3,017 |
| Net charge-offs to loans | -0.0116% | 4,673 |
| Credit loss provision to net charge-offs | -1,011.1111% | 4,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9359% | 3,557 |
| Assets per employee ($millions) | 10.6066% | 264 |
| Cash dividends to net income (ytd only)* | 32.1666% | 2,651 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6883% | 5,157 |
| Loan loss allowance to noncurrent loans | 143.2499% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 3,074 |
| Noncurrent loans to loans | 0.4805% | 3,245 |
| Net loans and leases to total assets | 77.3275% | 1,376 |
| Net loans and leases to deposits | 111.6233% | 227 |
| Net loans and leases to core deposits | 127.8299% | 372 |
| Total domestic deposits to total assets | 69.2754% | 5,499 |
| Equity capital to assets | 11.1783% | 2,694 |
| Core capital (leverage) ratio | 8.7973% | 4,972 |
| Tier 1 risk-based capital ratio | 11.0587% | 5,207 |
| Total risk-based capital ratio | 11.7622% | 5,377 |
| Memoranda: |
| Average total assets | $1,611,449,250 | 491 |
| Average earning assets | $1,477,200,250 | 488 |
| Average equity | $178,513,500 | 478 |
| Average total loans | $1,236,082,750 | 452 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0487% | 3,013 |
| Cost of funding earning assets | 0.5371% | 1,861 |
| Net interest margin | 3.5116% | 3,352 |
| Noninterest income to average assets | 0.3243% | 4,231 |
| Noninterest expense to average assets | 2.3062% | 4,326 |
| Loan and lease loss provision to assets | 0.1535% | 1,312 |
| Net operating income to assets | 0.7736% | 3,527 |
| Return on assets (ROA) | 0.7736% | 3,577 |
| Pretax return on assets | 1.0759% | 3,281 |
| Return on Equity (ROE) | 7.0052% | 3,549 |
| Retained earnings to average equity (ytd only) | 4.7089% | 2,908 |
| Net charge-offs to loans | 0.0559% | 2,133 |
| Credit loss provision to net charge-offs | 359.9415% | 851 |
| Earnings coverage of net charge-offs (x) | 28.8304% | 1,494 |
| Efficiency ratio | 63.2648% | 3,791 |
| Assets per employee ($millions) | 10.9119% | 231 |
| Cash dividends to net income (ytd only)* | 32.7800% | 2,676 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6735% | 5,259 |
| Loan loss allowance to noncurrent loans | 113.2073% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 0.5858% | 2,817 |
| Noncurrent loans to loans | 0.5949% | 2,948 |
| Net loans and leases to total assets | 76.0720% | 1,540 |
| Net loans and leases to deposits | 112.0656% | 224 |
| Net loans and leases to core deposits | 126.4298% | 383 |
| Total domestic deposits to total assets | 67.8817% | 5,597 |
| Equity capital to assets | 10.9965% | 2,810 |
| Core capital (leverage) ratio | 8.8216% | 4,927 |
| Tier 1 risk-based capital ratio | 11.1196% | 5,192 |
| Total risk-based capital ratio | 11.8150% | 5,360 |
| Memoranda: |
| Average total assets | $1,604,126,330 | 496 |
| Average earning assets | $1,466,902,330 | 493 |
| Average equity | $177,155,000 | 480 |
| Average total loans | $1,224,165,330 | 459 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9549% | 3,191 |
| Cost of funding earning assets | 0.5221% | 1,927 |
| Net interest margin | 3.4327% | 3,511 |
| Noninterest income to average assets | 0.3066% | 4,370 |
| Noninterest expense to average assets | 2.2653% | 4,493 |
| Loan and lease loss provision to assets | 0.1275% | 1,513 |
| Net operating income to assets | 0.7550% | 3,455 |
| Return on assets (ROA) | 0.7550% | 3,506 |
| Pretax return on assets | 1.0525% | 3,163 |
| Return on Equity (ROE) | 6.8215% | 3,485 |
| Retained earnings to average equity (ytd only) | 4.5067% | 3,168 |
| Net charge-offs to loans | 0.0370% | 2,050 |
| Credit loss provision to net charge-offs | 451.7857% | 605 |
| Earnings coverage of net charge-offs (x) | 41.8214% | 1,006 |
| Efficiency ratio | 63.7175% | 3,885 |
| Assets per employee ($millions) | 10.6707% | 251 |
| Cash dividends to net income (ytd only)* | 33.9339% | 2,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6510% | 5,400 |
| Loan loss allowance to noncurrent loans | 113.2535% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 2,887 |
| Noncurrent loans to loans | 0.5748% | 3,083 |
| Net loans and leases to total assets | 76.2818% | 1,367 |
| Net loans and leases to deposits | 111.0491% | 202 |
| Net loans and leases to core deposits | 124.8780% | 345 |
| Total domestic deposits to total assets | 68.6919% | 5,666 |
| Equity capital to assets | 11.1329% | 2,500 |
| Core capital (leverage) ratio | 8.7774% | 4,978 |
| Tier 1 risk-based capital ratio | 11.1665% | 5,220 |
| Total risk-based capital ratio | 11.8366% | 5,424 |
| Memoranda: |
| Average total assets | $1,587,795,000 | 500 |
| Average earning assets | $1,451,781,000 | 497 |
| Average equity | $175,738,000 | 480 |
| Average total loans | $1,209,457,500 | 460 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9094% | 3,540 |
| Cost of funding earning assets | 0.4540% | 2,504 |
| Net interest margin | 3.4554% | 3,603 |
| Noninterest income to average assets | 0.2914% | 4,657 |
| Noninterest expense to average assets | 2.3629% | 4,392 |
| Loan and lease loss provision to assets | 0.1228% | 2,011 |
| Net operating income to assets | 0.6923% | 3,820 |
| Return on assets (ROA) | 0.6952% | 3,912 |
| Pretax return on assets | 0.9746% | 3,562 |
| Return on Equity (ROE) | 6.0733% | 3,945 |
| Retained earnings to average equity (ytd only) | 3.8572% | 3,178 |
| Net charge-offs to loans | 0.0755% | 2,623 |
| Credit loss provision to net charge-offs | 214.9479% | 1,321 |
| Earnings coverage of net charge-offs (x) | 19.1333% | 1,925 |
| Efficiency ratio | 66.1577% | 3,571 |
| Assets per employee ($millions) | 10.6420% | 252 |
| Cash dividends to net income (ytd only)* | 36.4892% | 3,039 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6304% | 5,482 |
| Loan loss allowance to noncurrent loans | 94.6491% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 3,245 |
| Noncurrent loans to loans | 0.6660% | 2,862 |
| Net loans and leases to total assets | 75.0847% | 1,676 |
| Net loans and leases to deposits | 111.5482% | 193 |
| Net loans and leases to core deposits | 121.8646% | 437 |
| Total domestic deposits to total assets | 67.3114% | 5,735 |
| Equity capital to assets | 11.0030% | 2,625 |
| Core capital (leverage) ratio | 8.9027% | 4,849 |
| Tier 1 risk-based capital ratio | 11.2288% | 5,205 |
| Total risk-based capital ratio | 11.8754% | 5,435 |
| Memoranda: |
| Average total assets | $1,510,245,000 | 506 |
| Average earning assets | $1,383,260,600 | 501 |
| Average equity | $172,870,400 | 474 |
| Average total loans | $1,143,752,400 | 455 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8981% | 3,587 |
| Cost of funding earning assets | 0.4388% | 2,650 |
| Net interest margin | 3.4592% | 3,628 |
| Noninterest income to average assets | 0.2912% | 4,685 |
| Noninterest expense to average assets | 2.4035% | 4,274 |
| Loan and lease loss provision to assets | 0.1095% | 2,101 |
| Net operating income to assets | 0.6795% | 3,969 |
| Return on assets (ROA) | 0.6835% | 4,071 |
| Pretax return on assets | 0.9572% | 3,786 |
| Return on Equity (ROE) | 5.9100% | 4,110 |
| Retained earnings to average equity (ytd only) | 3.3350% | 3,900 |
| Net charge-offs to loans | 0.0638% | 2,439 |
| Credit loss provision to net charge-offs | 226.4325% | 1,301 |
| Earnings coverage of net charge-offs (x) | 21.9407% | 1,793 |
| Efficiency ratio | 67.1397% | 3,397 |
| Assets per employee ($millions) | 10.8586% | 223 |
| Cash dividends to net income (ytd only)* | 43.5709% | 2,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6110% | 5,589 |
| Loan loss allowance to noncurrent loans | 95.0787% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 3,490 |
| Noncurrent loans to loans | 0.6427% | 3,094 |
| Net loans and leases to total assets | 75.3661% | 1,643 |
| Net loans and leases to deposits | 112.2963% | 220 |
| Net loans and leases to core deposits | 124.4416% | 402 |
| Total domestic deposits to total assets | 67.1136% | 5,790 |
| Equity capital to assets | 11.2327% | 2,758 |
| Core capital (leverage) ratio | 8.8857% | 4,958 |
| Tier 1 risk-based capital ratio | 11.1510% | 5,287 |
| Total risk-based capital ratio | 11.7795% | 5,527 |
| Memoranda: |
| Average total assets | $1,491,391,000 | 514 |
| Average earning assets | $1,368,203,500 | 508 |
| Average equity | $172,470,500 | 476 |
| Average total loans | $1,130,155,000 | 459 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9274% | 3,508 |
| Cost of funding earning assets | 0.4272% | 2,757 |
| Net interest margin | 3.5002% | 3,492 |
| Noninterest income to average assets | 0.3049% | 4,609 |
| Noninterest expense to average assets | 2.4037% | 4,328 |
| Loan and lease loss provision to assets | 0.1373% | 1,652 |
| Net operating income to assets | 0.6924% | 3,829 |
| Return on assets (ROA) | 0.6969% | 3,962 |
| Pretax return on assets | 0.9776% | 3,670 |
| Return on Equity (ROE) | 5.9657% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.2459% | 3,823 |
| Net charge-offs to loans | 0.1090% | 1,734 |
| Credit loss provision to net charge-offs | 166.1716% | 1,491 |
| Earnings coverage of net charge-offs (x) | 13.4191% | 2,126 |
| Efficiency ratio | 66.2010% | 3,654 |
| Assets per employee ($millions) | 10.1784% | 270 |
| Cash dividends to net income (ytd only)* | 45.5897% | 2,166 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5991% | 5,684 |
| Loan loss allowance to noncurrent loans | 101.5165% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 3,699 |
| Noncurrent loans to loans | 0.5901% | 3,300 |
| Net loans and leases to total assets | 76.1720% | 1,469 |
| Net loans and leases to deposits | 116.4689% | 141 |
| Net loans and leases to core deposits | 128.5728% | 324 |
| Total domestic deposits to total assets | 65.4011% | 5,906 |
| Equity capital to assets | 11.5030% | 2,547 |
| Core capital (leverage) ratio | 9.0184% | 4,808 |
| Tier 1 risk-based capital ratio | 11.1690% | 5,332 |
| Total risk-based capital ratio | 11.7827% | 5,572 |
| Memoranda: |
| Average total assets | $1,467,309,670 | 518 |
| Average earning assets | $1,344,505,000 | 517 |
| Average equity | $171,414,670 | 480 |
| Average total loans | $1,111,641,330 | 466 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9114% | 3,550 |
| Cost of funding earning assets | 0.4124% | 2,927 |
| Net interest margin | 3.4990% | 3,481 |
| Noninterest income to average assets | 0.3019% | 4,568 |
| Noninterest expense to average assets | 2.4188% | 4,313 |
| Loan and lease loss provision to assets | 0.1023% | 1,990 |
| Net operating income to assets | 0.6944% | 3,742 |
| Return on assets (ROA) | 0.6981% | 3,838 |
| Pretax return on assets | 0.9879% | 3,523 |
| Return on Equity (ROE) | 5.9284% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.1855% | 3,915 |
| Net charge-offs to loans | 0.0711% | 1,768 |
| Credit loss provision to net charge-offs | 191.1917% | 1,115 |
| Earnings coverage of net charge-offs (x) | 20.2746% | 1,472 |
| Efficiency ratio | 66.7564% | 3,675 |
| Assets per employee ($millions) | 9.7561% | 304 |
| Cash dividends to net income (ytd only)* | 46.2669% | 1,873 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6135% | 5,724 |
| Loan loss allowance to noncurrent loans | 104.4503% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 3,813 |
| Noncurrent loans to loans | 0.5874% | 3,428 |
| Net loans and leases to total assets | 75.0638% | 1,542 |
| Net loans and leases to deposits | 109.6727% | 237 |
| Net loans and leases to core deposits | 114.1977% | 661 |
| Total domestic deposits to total assets | 68.4435% | 5,914 |
| Equity capital to assets | 11.8216% | 2,138 |
| Core capital (leverage) ratio | 9.1548% | 4,647 |
| Tier 1 risk-based capital ratio | 11.6495% | 5,136 |
| Total risk-based capital ratio | 12.2773% | 5,401 |
| Memoranda: |
| Average total assets | $1,442,673,000 | 522 |
| Average earning assets | $1,320,157,500 | 520 |
| Average equity | $169,895,500 | 479 |
| Average total loans | $1,086,375,500 | 473 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0525% | 3,105 |
| Cost of funding earning assets | 0.3750% | 3,426 |
| Net interest margin | 3.6775% | 2,842 |
| Noninterest income to average assets | 0.3904% | 4,106 |
| Noninterest expense to average assets | 2.4290% | 4,442 |
| Loan and lease loss provision to assets | 0.1601% | 1,446 |
| Net operating income to assets | 0.8060% | 3,313 |
| Return on assets (ROA) | 0.8033% | 3,405 |
| Pretax return on assets | 1.1404% | 2,882 |
| Return on Equity (ROE) | 6.8072% | 3,616 |
| Retained earnings to average equity (ytd only) | 4.4744% | 2,805 |
| Net charge-offs to loans | 0.0684% | 2,869 |
| Credit loss provision to net charge-offs | 316.8794% | 938 |
| Earnings coverage of net charge-offs (x) | 25.8184% | 1,616 |
| Efficiency ratio | 62.7857% | 4,479 |
| Assets per employee ($millions) | 9.5445% | 315 |
| Cash dividends to net income (ytd only)* | 34.2699% | 3,132 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6104% | 5,783 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5371% | 3,492 |
| Noncurrent loans to loans | 0.6782% | 3,165 |
| Net loans and leases to total assets | 74.6170% | 1,627 |
| Net loans and leases to deposits | 103.1776% | 482 |
| Net loans and leases to core deposits | 106.8459% | 1,056 |
| Total domestic deposits to total assets | 72.3190% | 5,778 |
| Equity capital to assets | 11.7306% | 2,170 |
| Core capital (leverage) ratio | 9.1449% | 4,694 |
| Tier 1 risk-based capital ratio | 11.7845% | 5,082 |
| Total risk-based capital ratio | 12.4046% | 5,344 |
| Memoranda: |
| Average total assets | $1,395,610,200 | 515 |
| Average earning assets | $1,268,597,200 | 517 |
| Average equity | $164,693,200 | 481 |
| Average total loans | $1,030,050,400 | 469 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0800% | 3,025 |
| Cost of funding earning assets | 0.3743% | 3,498 |
| Net interest margin | 3.7057% | 2,744 |
| Noninterest income to average assets | 0.4189% | 3,938 |
| Noninterest expense to average assets | 2.4487% | 4,354 |
| Loan and lease loss provision to assets | 0.1569% | 1,377 |
| Net operating income to assets | 0.8252% | 3,302 |
| Return on assets (ROA) | 0.8326% | 3,351 |
| Pretax return on assets | 1.1882% | 2,859 |
| Return on Equity (ROE) | 7.0448% | 3,595 |
| Retained earnings to average equity (ytd only) | 4.7830% | 3,066 |
| Net charge-offs to loans | 0.0675% | 2,602 |
| Credit loss provision to net charge-offs | 316.2791% | 920 |
| Earnings coverage of net charge-offs (x) | 26.8974% | 1,598 |
| Efficiency ratio | 62.4628% | 4,502 |
| Assets per employee ($millions) | 9.8579% | 287 |
| Cash dividends to net income (ytd only)* | 32.1053% | 2,704 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5791% | 5,926 |
| Loan loss allowance to noncurrent loans | 80.9480% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 3,581 |
| Noncurrent loans to loans | 0.7153% | 3,190 |
| Net loans and leases to total assets | 73.8478% | 1,760 |
| Net loans and leases to deposits | 100.9694% | 610 |
| Net loans and leases to core deposits | 103.9742% | 1,228 |
| Total domestic deposits to total assets | 73.1388% | 5,777 |
| Equity capital to assets | 11.7154% | 2,336 |
| Core capital (leverage) ratio | 9.0902% | 4,896 |
| Tier 1 risk-based capital ratio | 11.8868% | 5,144 |
| Total risk-based capital ratio | 12.4815% | 5,429 |
| Memoranda: |
| Average total assets | $1,386,592,500 | 515 |
| Average earning assets | $1,258,896,250 | 523 |
| Average equity | $163,880,250 | 485 |
| Average total loans | $1,018,853,250 | 473 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0931% | 2,922 |
| Cost of funding earning assets | 0.3615% | 3,675 |
| Net interest margin | 3.7316% | 2,571 |
| Noninterest income to average assets | 0.4546% | 3,663 |
| Noninterest expense to average assets | 2.4496% | 4,400 |
| Loan and lease loss provision to assets | 0.1606% | 1,320 |
| Net operating income to assets | 0.8562% | 3,102 |
| Return on assets (ROA) | 0.8667% | 3,153 |
| Pretax return on assets | 1.2395% | 2,603 |
| Return on Equity (ROE) | 7.3109% | 3,431 |
| Retained earnings to average equity (ytd only) | 5.0784% | 2,813 |
| Net charge-offs to loans | 0.0478% | 2,749 |
| Credit loss provision to net charge-offs | 459.1667% | 669 |
| Earnings coverage of net charge-offs (x) | 39.6000% | 1,140 |
| Efficiency ratio | 61.6221% | 4,739 |
| Assets per employee ($millions) | 9.3787% | 329 |
| Cash dividends to net income (ytd only)* | 30.5364% | 2,794 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5662% | 6,025 |
| Loan loss allowance to noncurrent loans | 66.6064% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 3,384 |
| Noncurrent loans to loans | 0.8500% | 3,002 |
| Net loans and leases to total assets | 73.5796% | 1,731 |
| Net loans and leases to deposits | 109.3577% | 277 |
| Net loans and leases to core deposits | 114.3138% | 650 |
| Total domestic deposits to total assets | 67.2834% | 6,135 |
| Equity capital to assets | 11.6668% | 2,273 |
| Core capital (leverage) ratio | 9.1939% | 4,701 |
| Tier 1 risk-based capital ratio | 11.6562% | 5,364 |
| Total risk-based capital ratio | 12.2265% | 5,638 |
| Memoranda: |
| Average total assets | $1,372,327,000 | 518 |
| Average earning assets | $1,243,065,670 | 526 |
| Average equity | $162,687,670 | 489 |
| Average total loans | $1,004,564,330 | 476 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1560% | 2,616 |
| Cost of funding earning assets | 0.3512% | 3,847 |
| Net interest margin | 3.8048% | 2,215 |
| Noninterest income to average assets | 0.3389% | 4,486 |
| Noninterest expense to average assets | 2.5545% | 4,086 |
| Loan and lease loss provision to assets | 0.0948% | 2,099 |
| Net operating income to assets | 0.8006% | 3,256 |
| Return on assets (ROA) | 0.8188% | 3,290 |
| Pretax return on assets | 1.1565% | 2,848 |
| Return on Equity (ROE) | 6.8508% | 3,584 |
| Retained earnings to average equity (ytd only) | 4.8257% | 3,161 |
| Net charge-offs to loans | -0.0308% | 5,273 |
| Credit loss provision to net charge-offs | -422.3684% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2585% | 4,276 |
| Assets per employee ($millions) | 9.1779% | 340 |
| Cash dividends to net income (ytd only)* | 29.5602% | 2,356 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5425% | 6,124 |
| Loan loss allowance to noncurrent loans | 65.2916% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8173% | 3,055 |
| Noncurrent loans to loans | 0.8308% | 3,167 |
| Net loans and leases to total assets | 72.3032% | 1,758 |
| Net loans and leases to deposits | 104.0577% | 366 |
| Net loans and leases to core deposits | 109.8154% | 753 |
| Total domestic deposits to total assets | 69.4837% | 6,153 |
| Equity capital to assets | 11.8656% | 2,133 |
| Core capital (leverage) ratio | 9.2418% | 4,660 |
| Tier 1 risk-based capital ratio | 11.7970% | 5,373 |
| Total risk-based capital ratio | 12.3401% | 5,681 |
| Memoranda: |
| Average total assets | $1,355,086,000 | 524 |
| Average earning assets | $1,225,596,000 | 530 |
| Average equity | $161,967,000 | 491 |
| Average total loans | $986,337,500 | 483 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4246% | 2,142 |
| Cost of funding earning assets | 0.3649% | 4,084 |
| Net interest margin | 4.0596% | 1,706 |
| Noninterest income to average assets | 0.3820% | 4,326 |
| Noninterest expense to average assets | 2.7571% | 3,650 |
| Loan and lease loss provision to assets | 0.2509% | 907 |
| Net operating income to assets | 0.6980% | 3,899 |
| Return on assets (ROA) | 0.7015% | 4,002 |
| Pretax return on assets | 0.9794% | 3,577 |
| Return on Equity (ROE) | 5.8326% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.9817% | 3,381 |
| Net charge-offs to loans | 0.1693% | 2,338 |
| Credit loss provision to net charge-offs | 209.1377% | 1,185 |
| Earnings coverage of net charge-offs (x) | 10.2162% | 2,639 |
| Efficiency ratio | 66.8734% | 4,080 |
| Assets per employee ($millions) | 9.0714% | 330 |
| Cash dividends to net income (ytd only)* | 31.7342% | 3,301 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5178% | 6,237 |
| Loan loss allowance to noncurrent loans | 60.2490% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 3,083 |
| Noncurrent loans to loans | 0.8594% | 3,166 |
| Net loans and leases to total assets | 72.5037% | 1,830 |
| Net loans and leases to deposits | 97.7794% | 780 |
| Net loans and leases to core deposits | 106.4836% | 989 |
| Total domestic deposits to total assets | 74.1502% | 5,935 |
| Equity capital to assets | 12.0423% | 1,992 |
| Core capital (leverage) ratio | 9.0446% | 4,920 |
| Tier 1 risk-based capital ratio | 12.1866% | 5,240 |
| Total risk-based capital ratio | 12.7352% | 5,590 |
| Memoranda: |
| Average total assets | $1,295,553,600 | 521 |
| Average earning assets | $1,149,041,600 | 541 |
| Average equity | $155,813,600 | 488 |
| Average total loans | $917,996,400 | 485 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4355% | 2,095 |
| Cost of funding earning assets | 0.3708% | 4,120 |
| Net interest margin | 4.0646% | 1,679 |
| Noninterest income to average assets | 0.3449% | 4,681 |
| Noninterest expense to average assets | 2.7950% | 3,483 |
| Loan and lease loss provision to assets | 0.2101% | 1,103 |
| Net operating income to assets | 0.6647% | 4,130 |
| Return on assets (ROA) | 0.6686% | 4,206 |
| Pretax return on assets | 0.9314% | 3,855 |
| Return on Equity (ROE) | 5.5610% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.0235% | 3,785 |
| Net charge-offs to loans | 0.1891% | 1,951 |
| Credit loss provision to net charge-offs | 157.9891% | 1,520 |
| Earnings coverage of net charge-offs (x) | 8.5417% | 2,779 |
| Efficiency ratio | 68.6938% | 3,726 |
| Assets per employee ($millions) | 8.6746% | 386 |
| Cash dividends to net income (ytd only)* | 27.6477% | 2,905 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4386% | 6,381 |
| Loan loss allowance to noncurrent loans | 43.7970% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 2,944 |
| Noncurrent loans to loans | 1.0014% | 3,064 |
| Net loans and leases to total assets | 71.1983% | 1,992 |
| Net loans and leases to deposits | 89.5344% | 1,476 |
| Net loans and leases to core deposits | 98.2984% | 1,504 |
| Total domestic deposits to total assets | 79.5206% | 5,213 |
| Equity capital to assets | 12.1333% | 1,957 |
| Core capital (leverage) ratio | 9.0698% | 4,967 |
| Tier 1 risk-based capital ratio | 12.3677% | 5,253 |
| Total risk-based capital ratio | 12.8301% | 5,668 |
| Memoranda: |
| Average total assets | $1,286,068,500 | 525 |
| Average earning assets | $1,134,701,250 | 542 |
| Average equity | $154,621,250 | 492 |
| Average total loans | $904,529,500 | 490 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3338% | 2,456 |
| Cost of funding earning assets | 0.3647% | 4,260 |
| Net interest margin | 3.9691% | 1,906 |
| Noninterest income to average assets | 0.3366% | 4,733 |
| Noninterest expense to average assets | 2.7637% | 3,646 |
| Loan and lease loss provision to assets | 0.2058% | 1,159 |
| Net operating income to assets | 0.6188% | 4,254 |
| Return on assets (ROA) | 0.6223% | 4,334 |
| Pretax return on assets | 0.8634% | 4,023 |
| Return on Equity (ROE) | 5.1923% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.1997% | 3,496 |
| Net charge-offs to loans | 0.2018% | 1,817 |
| Credit loss provision to net charge-offs | 145.7965% | 1,487 |
| Earnings coverage of net charge-offs (x) | 7.5409% | 2,614 |
| Efficiency ratio | 69.7174% | 3,707 |
| Assets per employee ($millions) | 8.4873% | 401 |
| Cash dividends to net income (ytd only)* | 19.1169% | 3,200 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4089% | 6,482 |
| Loan loss allowance to noncurrent loans | 38.0363% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 1.0292% | 3,011 |
| Noncurrent loans to loans | 1.0749% | 3,080 |
| Net loans and leases to total assets | 70.8035% | 1,949 |
| Net loans and leases to deposits | 96.9806% | 741 |
| Net loans and leases to core deposits | 104.9202% | 964 |
| Total domestic deposits to total assets | 73.0078% | 6,186 |
| Equity capital to assets | 12.1605% | 1,877 |
| Core capital (leverage) ratio | 9.0660% | 4,913 |
| Tier 1 risk-based capital ratio | 12.4124% | 5,290 |
| Total risk-based capital ratio | 12.8452% | 5,702 |
| Memoranda: |
| Average total assets | $1,281,027,670 | 528 |
| Average earning assets | $1,126,858,330 | 546 |
| Average equity | $153,536,000 | 490 |
| Average total loans | $895,870,330 | 491 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4050% | 2,117 |
| Cost of funding earning assets | 0.3618% | 4,420 |
| Net interest margin | 4.0432% | 1,619 |
| Noninterest income to average assets | 0.3102% | 4,881 |
| Noninterest expense to average assets | 2.7541% | 3,732 |
| Loan and lease loss provision to assets | 0.1852% | 1,289 |
| Net operating income to assets | 0.6658% | 3,866 |
| Return on assets (ROA) | 0.6665% | 3,950 |
| Pretax return on assets | 0.9231% | 3,610 |
| Return on Equity (ROE) | 5.6024% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.6024% | 2,738 |
| Net charge-offs to loans | 0.0741% | 2,405 |
| Credit loss provision to net charge-offs | 360.3659% | 696 |
| Earnings coverage of net charge-offs (x) | 21.5488% | 1,285 |
| Efficiency ratio | 68.8550% | 4,031 |
| Assets per employee ($millions) | 8.3154% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4228% | 6,548 |
| Loan loss allowance to noncurrent loans | 31.8440% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 1.2680% | 2,744 |
| Noncurrent loans to loans | 1.3277% | 2,814 |
| Net loans and leases to total assets | 69.6633% | 1,953 |
| Net loans and leases to deposits | 91.5077% | 991 |
| Net loans and leases to core deposits | 98.5936% | 1,199 |
| Total domestic deposits to total assets | 76.1283% | 6,066 |
| Equity capital to assets | 12.0974% | 1,809 |
| Core capital (leverage) ratio | 8.9841% | 5,034 |
| Tier 1 risk-based capital ratio | 12.4722% | 5,332 |
| Total risk-based capital ratio | 12.9149% | 5,771 |
| Memoranda: |
| Average total assets | $1,276,504,500 | 532 |
| Average earning assets | $1,121,183,000 | 552 |
| Average equity | $151,864,000 | 494 |
| Average total loans | $885,222,000 | 492 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6439% | 1,736 |
| Cost of funding earning assets | 0.4453% | 4,157 |
| Net interest margin | 4.1986% | 1,360 |
| Noninterest income to average assets | 0.4550% | 4,057 |
| Noninterest expense to average assets | 2.7547% | 3,889 |
| Loan and lease loss provision to assets | 0.5309% | 511 |
| Net operating income to assets | 0.6851% | 3,872 |
| Return on assets (ROA) | 0.6847% | 3,965 |
| Pretax return on assets | 0.8588% | 3,922 |
| Return on Equity (ROE) | 6.0399% | 4,057 |
| Retained earnings to average equity (ytd only) | 6.0399% | 1,945 |
| Net charge-offs to loans | 0.4586% | 1,448 |
| Credit loss provision to net charge-offs | 174.7100% | 1,313 |
| Earnings coverage of net charge-offs (x) | 4.5749% | 3,530 |
| Efficiency ratio | 64.1719% | 4,860 |
| Assets per employee ($millions) | 7.9059% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3789% | 6,652 |
| Loan loss allowance to noncurrent loans | 21.5490% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 1.4611% | 2,551 |
| Noncurrent loans to loans | 1.7584% | 2,292 |
| Net loans and leases to total assets | 68.4792% | 2,266 |
| Net loans and leases to deposits | 88.4524% | 1,416 |
| Net loans and leases to core deposits | 91.5661% | 1,839 |
| Total domestic deposits to total assets | 77.4193% | 5,909 |
| Equity capital to assets | 11.6977% | 2,033 |
| Core capital (leverage) ratio | 8.6465% | 5,483 |
| Tier 1 risk-based capital ratio | 12.3289% | 5,407 |
| Total risk-based capital ratio | 12.7277% | 5,858 |
| Memoranda: |
| Average total assets | $1,305,239,400 | 507 |
| Average earning assets | $1,147,082,000 | 516 |
| Average equity | $147,966,000 | 494 |
| Average total loans | $864,727,800 | 481 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5400% | 2,077 |
| Cost of funding earning assets | 0.4487% | 4,289 |
| Net interest margin | 4.0913% | 1,661 |
| Noninterest income to average assets | 0.3176% | 5,155 |
| Noninterest expense to average assets | 2.6529% | 4,190 |
| Loan and lease loss provision to assets | 0.5460% | 479 |
| Net operating income to assets | 0.5380% | 4,626 |
| Return on assets (ROA) | 0.5419% | 4,757 |
| Pretax return on assets | 0.7200% | 4,609 |
| Return on Equity (ROE) | 4.8179% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.8179% | 3,218 |
| Net charge-offs to loans | 0.5602% | 1,126 |
| Credit loss provision to net charge-offs | 148.4656% | 1,587 |
| Earnings coverage of net charge-offs (x) | 3.4283% | 3,705 |
| Efficiency ratio | 65.3720% | 4,595 |
| Assets per employee ($millions) | 8.0229% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2463% | 6,778 |
| Loan loss allowance to noncurrent loans | 9.8842% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 2.0061% | 2,012 |
| Noncurrent loans to loans | 2.4919% | 1,735 |
| Net loans and leases to total assets | 66.2474% | 2,591 |
| Net loans and leases to deposits | 84.1329% | 1,860 |
| Net loans and leases to core deposits | 87.1468% | 2,265 |
| Total domestic deposits to total assets | 78.7414% | 5,797 |
| Equity capital to assets | 11.3669% | 2,410 |
| Core capital (leverage) ratio | 8.3088% | 5,965 |
| Tier 1 risk-based capital ratio | 12.0588% | 5,747 |
| Total risk-based capital ratio | 12.3246% | 6,212 |
| Memoranda: |
| Average total assets | $1,311,361,500 | 505 |
| Average earning assets | $1,152,588,750 | 516 |
| Average equity | $147,503,000 | 500 |
| Average total loans | $860,813,750 | 486 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4304% | 2,456 |
| Cost of funding earning assets | 0.4552% | 4,375 |
| Net interest margin | 3.9752% | 1,945 |
| Noninterest income to average assets | 0.2944% | 5,347 |
| Noninterest expense to average assets | 2.6835% | 4,092 |
| Loan and lease loss provision to assets | 0.6759% | 350 |
| Net operating income to assets | 0.3291% | 5,491 |
| Return on assets (ROA) | 0.3351% | 5,630 |
| Pretax return on assets | 0.4411% | 5,545 |
| Return on Equity (ROE) | 2.9900% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.9900% | 4,418 |
| Net charge-offs to loans | 0.7269% | 899 |
| Credit loss provision to net charge-offs | 142.1945% | 1,600 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 3,741 |
| Efficiency ratio | 68.2731% | 4,133 |
| Assets per employee ($millions) | 8.3168% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1947% | 6,839 |
| Loan loss allowance to noncurrent loans | 7.2522% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 2.0273% | 2,126 |
| Noncurrent loans to loans | 2.6842% | 1,698 |
| Net loans and leases to total assets | 66.0177% | 2,589 |
| Net loans and leases to deposits | 83.8928% | 1,818 |
| Net loans and leases to core deposits | 87.6248% | 2,151 |
| Total domestic deposits to total assets | 78.6930% | 5,853 |
| Equity capital to assets | 11.0237% | 2,731 |
| Core capital (leverage) ratio | 7.8936% | 6,253 |
| Tier 1 risk-based capital ratio | 11.7421% | 5,960 |
| Total risk-based capital ratio | 11.9555% | 6,419 |
| Memoranda: |
| Average total assets | $1,315,245,000 | 504 |
| Average earning assets | $1,157,419,330 | 517 |
| Average equity | $147,425,000 | 501 |
| Average total loans | $860,034,670 | 483 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2710% | 3,020 |
| Cost of funding earning assets | 0.4655% | 4,419 |
| Net interest margin | 3.8055% | 2,430 |
| Noninterest income to average assets | 0.3195% | 5,137 |
| Noninterest expense to average assets | 2.6049% | 4,392 |
| Loan and lease loss provision to assets | 0.1699% | 2,161 |
| Net operating income to assets | 0.6416% | 4,008 |
| Return on assets (ROA) | 0.6435% | 4,161 |
| Pretax return on assets | 0.8922% | 3,790 |
| Return on Equity (ROE) | 5.6943% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.6943% | 2,845 |
| Net charge-offs to loans | 0.0786% | 3,053 |
| Credit loss provision to net charge-offs | 332.7381% | 733 |
| Earnings coverage of net charge-offs (x) | 20.7440% | 1,177 |
| Efficiency ratio | 68.5167% | 4,218 |
| Assets per employee ($millions) | 8.9275% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0890% | 6,941 |
| Loan loss allowance to noncurrent loans | 3.4113% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 1.8659% | 2,521 |
| Noncurrent loans to loans | 2.6094% | 1,974 |
| Net loans and leases to total assets | 64.9013% | 2,554 |
| Net loans and leases to deposits | 79.2311% | 2,181 |
| Net loans and leases to core deposits | 82.7218% | 2,480 |
| Total domestic deposits to total assets | 81.9139% | 5,221 |
| Equity capital to assets | 11.3211% | 2,612 |
| Core capital (leverage) ratio | 8.0105% | 6,132 |
| Tier 1 risk-based capital ratio | 11.8330% | 6,009 |
| Total risk-based capital ratio | 11.9392% | 6,489 |
| Memoranda: |
| Average total assets | $1,315,844,000 | 505 |
| Average earning assets | $1,156,550,000 | 521 |
| Average equity | $148,709,000 | 505 |
| Average total loans | $855,454,000 | 485 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0441% | 6,985 |
| Cost of funding earning assets | 0.2056% | 6,822 |
| Net interest margin | 1.8386% | 6,955 |
| Noninterest income to average assets | 0.1774% | 6,129 |
| Noninterest expense to average assets | 0.9495% | 7,023 |
| Loan and lease loss provision to assets | 0.0285% | 5,541 |
| Net operating income to assets | 0.6249% | 4,112 |
| Return on assets (ROA) | 0.5905% | 4,542 |
| Pretax return on assets | 0.8402% | 4,150 |
| Return on Equity (ROE) | 6.4198% | 3,952 |
| Retained earnings to average equity (ytd only) | 6.4198% | 1,858 |
| Net charge-offs to loans | 0.0023% | 5,958 |
| Credit loss provision to net charge-offs | 1,876.1905% | 125 |
| Earnings coverage of net charge-offs (x) | 603.9524% | 69 |
| Efficiency ratio | 48.8393% | 6,662 |
| Assets per employee ($millions) | 8.6783% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0437% | 7,000 |
| Loan loss allowance to noncurrent loans | 1.6173% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 1.9560% | 2,502 |
| Noncurrent loans to loans | 2.7049% | 1,953 |
| Net loans and leases to total assets | 65.0365% | 2,711 |
| Net loans and leases to deposits | 76.1797% | 2,773 |
| Net loans and leases to core deposits | 79.6606% | 3,054 |
| Total domestic deposits to total assets | 85.3725% | 3,677 |
| Equity capital to assets | 11.2816% | 2,646 |
| Core capital (leverage) ratio | 7.4702% | 6,513 |
| Tier 1 risk-based capital ratio | 11.7147% | 5,949 |
| Total risk-based capital ratio | 11.7755% | 6,515 |
| Memoranda: |
| Average total assets | $1,381,794,000 | 483 |
| Average earning assets | $1,270,117,400 | 479 |
| Average equity | $127,106,200 | 566 |
| Average total loans | $917,877,600 | 450 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.0254% | 7,155 |
| Cost of funding earning assets | 0.0965% | 7,116 |
| Net interest margin | 0.9289% | 7,148 |
| Noninterest income to average assets | 0.1164% | 6,557 |
| Noninterest expense to average assets | 0.5476% | 7,151 |
| Loan and lease loss provision to assets | 0.0085% | 5,700 |
| Net operating income to assets | 0.3035% | 5,606 |
| Return on assets (ROA) | 0.2915% | 5,844 |
| Pretax return on assets | 0.4070% | 5,702 |
| Return on Equity (ROE) | 3.3463% | 5,554 |
| Retained earnings to average equity (ytd only) | 3.3463% | 4,515 |
| Net charge-offs to loans | 0.0029% | 5,727 |
| Credit loss provision to net charge-offs | 445.0000% | 603 |
| Earnings coverage of net charge-offs (x) | 226.8159% | 196 |
| Efficiency ratio | 53.8746% | 6,263 |
| Assets per employee ($millions) | 9.4421% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0078% | 7,119 |
| Loan loss allowance to noncurrent loans | 0.2577% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 2.0865% | 2,550 |
| Noncurrent loans to loans | 3.0181% | 1,847 |
| Net loans and leases to total assets | 63.4884% | 3,120 |
| Net loans and leases to deposits | 73.3361% | 3,390 |
| Net loans and leases to core deposits | 79.6595% | 3,249 |
| Total domestic deposits to total assets | 86.5718% | 2,938 |
| Equity capital to assets | 10.4144% | 3,940 |
| Core capital (leverage) ratio | 6.7287% | 6,840 |
| Tier 1 risk-based capital ratio | 10.5729% | 6,643 |
| Total risk-based capital ratio | 10.5961% | 6,909 |
| Memoranda: |
| Average total assets | $1,399,636,500 | 480 |
| Average earning assets | $1,300,890,250 | 467 |
| Average equity | $121,923,500 | 589 |
| Average total loans | $934,190,250 | 442 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9367% | 1,973 |
| Cost of funding earning assets | 1.4079% | 339 |
| Net interest margin | 3.5288% | 4,557 |
| Noninterest income to average assets | 0.2858% | 5,525 |
| Noninterest expense to average assets | 2.6537% | 4,595 |
| Loan and lease loss provision to assets | 0.6098% | 967 |
| Net operating income to assets | 0.3426% | 5,457 |
| Return on assets (ROA) | 0.3428% | 5,679 |
| Pretax return on assets | 0.3428% | 5,850 |
| Return on Equity (ROE) | 4.2086% | 5,175 |
| Retained earnings to average equity (ytd only) | 4.2086% | 3,810 |
| Net charge-offs to loans | 0.8595% | 1,284 |
| Credit loss provision to net charge-offs | 104.6056% | 2,600 |
| Earnings coverage of net charge-offs (x) | 1.6338% | 4,176 |
| Efficiency ratio | 73.5881% | 3,143 |
| Assets per employee ($millions) | 7.2624% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5190% | 3,923 |
| Loan loss allowance to noncurrent loans | 32.0012% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 3.4133% | 1,572 |
| Noncurrent loans to loans | 4.7466% | 1,076 |
| Net loans and leases to total assets | 66.1970% | 2,634 |
| Net loans and leases to deposits | 78.6316% | 2,577 |
| Net loans and leases to core deposits | 85.6361% | 2,473 |
| Total domestic deposits to total assets | 84.1862% | 4,239 |
| Equity capital to assets | 8.2793% | 6,392 |
| Core capital (leverage) ratio | 7.7013% | 6,516 |
| Tier 1 risk-based capital ratio | 11.3290% | 6,327 |
| Total risk-based capital ratio | 12.5824% | 6,298 |
| Memoranda: |
| Average total assets | $1,400,370,670 | 480 |
| Average earning assets | $1,317,679,000 | 459 |
| Average equity | $114,053,000 | 625 |
| Average total loans | $949,827,670 | 440 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9010% | 2,239 |
| Cost of funding earning assets | 1.4334% | 374 |
| Net interest margin | 3.4676% | 4,834 |
| Noninterest income to average assets | 0.3398% | 5,140 |
| Noninterest expense to average assets | 2.5641% | 4,945 |
| Loan and lease loss provision to assets | 0.6271% | 891 |
| Net operating income to assets | 0.4087% | 5,217 |
| Return on assets (ROA) | 0.4087% | 5,403 |
| Pretax return on assets | 0.4087% | 5,696 |
| Return on Equity (ROE) | 5.0601% | 4,760 |
| Retained earnings to average equity (ytd only) | 5.0601% | 3,519 |
| Net charge-offs to loans | 1.0815% | 955 |
| Credit loss provision to net charge-offs | 85.1064% | 2,638 |
| Earnings coverage of net charge-offs (x) | 1.4058% | 3,622 |
| Efficiency ratio | 71.2272% | 3,582 |
| Assets per employee ($millions) | 7.1391% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4388% | 4,428 |
| Loan loss allowance to noncurrent loans | 29.7957% | 6,188 |
| Noncurrent assets plus other real estate owned to assets | 3.6746% | 1,545 |
| Noncurrent loans to loans | 4.8290% | 1,173 |
| Net loans and leases to total assets | 67.2351% | 2,243 |
| Net loans and leases to deposits | 79.9920% | 2,203 |
| Net loans and leases to core deposits | 87.7070% | 2,084 |
| Total domestic deposits to total assets | 84.0522% | 4,463 |
| Equity capital to assets | 8.1800% | 6,380 |
| Core capital (leverage) ratio | 7.6261% | 6,554 |
| Tier 1 risk-based capital ratio | 11.1638% | 6,465 |
| Total risk-based capital ratio | 12.4163% | 6,446 |
| Memoranda: |
| Average total assets | $1,403,362,500 | 478 |
| Average earning assets | $1,319,401,500 | 456 |
| Average equity | $113,357,000 | 627 |
| Average total loans | $956,102,000 | 434 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1115% | 2,410 |
| Cost of funding earning assets | 1.5008% | 719 |
| Net interest margin | 3.6107% | 4,689 |
| Noninterest income to average assets | 0.2588% | 5,685 |
| Noninterest expense to average assets | 4.0559% | 952 |
| Loan and lease loss provision to assets | 0.6345% | 1,609 |
| Net operating income to assets | -1.1138% | 6,792 |
| Return on assets (ROA) | -1.1085% | 6,816 |
| Pretax return on assets | -1.0607% | 6,760 |
| Return on Equity (ROE) | -13.1016% | 6,841 |
| Retained earnings to average equity (ytd only) | -13.1016% | 6,815 |
| Net charge-offs to loans | 0.9851% | 1,760 |
| Credit loss provision to net charge-offs | 92.4202% | 3,896 |
| Earnings coverage of net charge-offs (x) | -0.6285% | 6,127 |
| Efficiency ratio | 68.1671% | 4,321 |
| Assets per employee ($millions) | 7.0730% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4596% | 4,197 |
| Loan loss allowance to noncurrent loans | 33.1548% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 3.4776% | 1,705 |
| Noncurrent loans to loans | 4.4023% | 1,366 |
| Net loans and leases to total assets | 67.0504% | 2,578 |
| Net loans and leases to deposits | 79.4836% | 2,614 |
| Net loans and leases to core deposits | 87.4904% | 2,436 |
| Total domestic deposits to total assets | 84.3576% | 4,162 |
| Equity capital to assets | 7.9766% | 6,585 |
| Core capital (leverage) ratio | 7.1724% | 6,802 |
| Tier 1 risk-based capital ratio | 10.9128% | 6,495 |
| Total risk-based capital ratio | 12.1660% | 6,478 |
| Memoranda: |
| Average total assets | $1,423,862,000 | 470 |
| Average earning assets | $1,327,210,600 | 452 |
| Average equity | $120,466,400 | 575 |
| Average total loans | $992,399,200 | 424 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1065% | 2,575 |
| Cost of funding earning assets | 1.5096% | 826 |
| Net interest margin | 3.5969% | 4,782 |
| Noninterest income to average assets | 0.2151% | 6,068 |
| Noninterest expense to average assets | 2.4747% | 5,546 |
| Loan and lease loss provision to assets | 0.5672% | 1,729 |
| Net operating income to assets | 0.4553% | 4,748 |
| Return on assets (ROA) | 0.4585% | 4,922 |
| Pretax return on assets | 0.5220% | 5,074 |
| Return on Equity (ROE) | 5.3431% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.3431% | 2,954 |
| Net charge-offs to loans | 0.7199% | 2,112 |
| Credit loss provision to net charge-offs | 112.3727% | 2,909 |
| Earnings coverage of net charge-offs (x) | 2.1508% | 4,058 |
| Efficiency ratio | 68.9888% | 4,129 |
| Assets per employee ($millions) | 7.3692% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5646% | 3,825 |
| Loan loss allowance to noncurrent loans | 40.7175% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 2.9640% | 2,171 |
| Noncurrent loans to loans | 3.8427% | 1,746 |
| Net loans and leases to total assets | 66.3152% | 2,822 |
| Net loans and leases to deposits | 79.2079% | 2,774 |
| Net loans and leases to core deposits | 87.6762% | 2,532 |
| Total domestic deposits to total assets | 83.7229% | 4,360 |
| Equity capital to assets | 8.8419% | 5,933 |
| Core capital (leverage) ratio | 6.8787% | 6,990 |
| Tier 1 risk-based capital ratio | 9.9095% | 6,976 |
| Total risk-based capital ratio | 11.1635% | 6,966 |
| Memoranda: |
| Average total assets | $1,426,176,000 | 472 |
| Average earning assets | $1,326,371,250 | 458 |
| Average equity | $122,373,500 | 570 |
| Average total loans | $999,862,000 | 424 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1663% | 2,396 |
| Cost of funding earning assets | 1.5267% | 914 |
| Net interest margin | 3.6397% | 4,565 |
| Noninterest income to average assets | 0.1891% | 6,314 |
| Noninterest expense to average assets | 2.5243% | 5,445 |
| Loan and lease loss provision to assets | 0.5790% | 1,671 |
| Net operating income to assets | 0.3724% | 5,073 |
| Return on assets (ROA) | 0.3810% | 5,173 |
| Pretax return on assets | 0.4754% | 5,153 |
| Return on Equity (ROE) | 4.4871% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.4871% | 3,337 |
| Net charge-offs to loans | 0.6856% | 2,126 |
| Credit loss provision to net charge-offs | 118.8608% | 2,582 |
| Earnings coverage of net charge-offs (x) | 2.1424% | 3,772 |
| Efficiency ratio | 70.2258% | 4,068 |
| Assets per employee ($millions) | 7.1261% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5519% | 3,898 |
| Loan loss allowance to noncurrent loans | 42.5422% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 2.8233% | 2,377 |
| Noncurrent loans to loans | 3.6479% | 1,926 |
| Net loans and leases to total assets | 68.0406% | 2,602 |
| Net loans and leases to deposits | 81.2523% | 2,565 |
| Net loans and leases to core deposits | 92.1262% | 2,106 |
| Total domestic deposits to total assets | 83.7399% | 4,452 |
| Equity capital to assets | 8.5972% | 6,059 |
| Core capital (leverage) ratio | 6.8691% | 7,042 |
| Tier 1 risk-based capital ratio | 9.6611% | 7,071 |
| Total risk-based capital ratio | 10.9150% | 7,074 |
| Memoranda: |
| Average total assets | $1,412,742,670 | 484 |
| Average earning assets | $1,311,494,330 | 472 |
| Average equity | $119,943,000 | 585 |
| Average total loans | $1,003,831,330 | 432 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2077% | 2,198 |
| Cost of funding earning assets | 1.5352% | 1,033 |
| Net interest margin | 3.6725% | 4,236 |
| Noninterest income to average assets | 0.0960% | 6,936 |
| Noninterest expense to average assets | 2.5966% | 5,236 |
| Loan and lease loss provision to assets | 0.6374% | 1,355 |
| Net operating income to assets | 0.2701% | 5,540 |
| Return on assets (ROA) | 0.2776% | 5,572 |
| Pretax return on assets | 0.2747% | 5,728 |
| Return on Equity (ROE) | 3.2905% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.2905% | 4,211 |
| Net charge-offs to loans | 0.6891% | 1,837 |
| Credit loss provision to net charge-offs | 128.3823% | 2,154 |
| Earnings coverage of net charge-offs (x) | 1.8221% | 3,395 |
| Efficiency ratio | 73.6223% | 3,585 |
| Assets per employee ($millions) | 7.0339% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5429% | 3,995 |
| Loan loss allowance to noncurrent loans | 46.3177% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 2.6449% | 2,601 |
| Noncurrent loans to loans | 3.3312% | 2,252 |
| Net loans and leases to total assets | 70.0230% | 2,122 |
| Net loans and leases to deposits | 83.7534% | 2,073 |
| Net loans and leases to core deposits | 95.5086% | 1,711 |
| Total domestic deposits to total assets | 83.6062% | 4,661 |
| Equity capital to assets | 8.5018% | 5,901 |
| Core capital (leverage) ratio | 6.8232% | 7,073 |
| Tier 1 risk-based capital ratio | 9.6416% | 7,114 |
| Total risk-based capital ratio | 10.8958% | 7,122 |
| Memoranda: |
| Average total assets | $1,399,382,500 | 492 |
| Average earning assets | $1,297,548,500 | 481 |
| Average equity | $118,037,500 | 587 |
| Average total loans | $1,008,318,000 | 435 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2666% | 3,289 |
| Cost of funding earning assets | 1.8056% | 1,150 |
| Net interest margin | 3.4610% | 5,394 |
| Noninterest income to average assets | 0.3055% | 5,611 |
| Noninterest expense to average assets | 2.4908% | 5,836 |
| Loan and lease loss provision to assets | 0.7708% | 2,124 |
| Net operating income to assets | 0.2898% | 4,968 |
| Return on assets (ROA) | 0.2778% | 5,175 |
| Pretax return on assets | 0.2131% | 5,463 |
| Return on Equity (ROE) | 3.1447% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.1447% | 3,666 |
| Net charge-offs to loans | 0.7337% | 2,821 |
| Credit loss provision to net charge-offs | 148.6388% | 2,447 |
| Earnings coverage of net charge-offs (x) | 1.9207% | 4,290 |
| Efficiency ratio | 70.8600% | 4,008 |
| Assets per employee ($millions) | 7.2105% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4413% | 4,325 |
| Loan loss allowance to noncurrent loans | 46.4335% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.6601% | 2,618 |
| Noncurrent loans to loans | 3.1041% | 2,459 |
| Net loans and leases to total assets | 71.9279% | 2,113 |
| Net loans and leases to deposits | 86.6654% | 1,983 |
| Net loans and leases to core deposits | 99.7449% | 1,643 |
| Total domestic deposits to total assets | 82.9949% | 4,795 |
| Equity capital to assets | 8.3688% | 6,047 |
| Core capital (leverage) ratio | 6.7987% | 7,108 |
| Tier 1 risk-based capital ratio | 9.2798% | 7,188 |
| Total risk-based capital ratio | 10.5317% | 7,192 |
| Memoranda: |
| Average total assets | $1,324,512,800 | 508 |
| Average earning assets | $1,217,493,800 | 498 |
| Average equity | $116,992,200 | 578 |
| Average total loans | $936,181,600 | 476 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3117% | 3,291 |
| Cost of funding earning assets | 1.8572% | 1,177 |
| Net interest margin | 3.4545% | 5,473 |
| Noninterest income to average assets | 0.2684% | 5,973 |
| Noninterest expense to average assets | 2.4855% | 5,763 |
| Loan and lease loss provision to assets | 0.8343% | 1,820 |
| Net operating income to assets | 0.2288% | 5,424 |
| Return on assets (ROA) | 0.1974% | 5,674 |
| Pretax return on assets | 0.0859% | 5,938 |
| Return on Equity (ROE) | 2.2038% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.2038% | 4,849 |
| Net charge-offs to loans | 0.7575% | 2,531 |
| Credit loss provision to net charge-offs | 157.1951% | 2,430 |
| Earnings coverage of net charge-offs (x) | 1.7929% | 4,370 |
| Efficiency ratio | 71.7265% | 3,758 |
| Assets per employee ($millions) | 7.6629% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5465% | 3,746 |
| Loan loss allowance to noncurrent loans | 55.1695% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.2121% | 3,180 |
| Noncurrent loans to loans | 2.8033% | 2,847 |
| Net loans and leases to total assets | 68.4446% | 3,116 |
| Net loans and leases to deposits | 83.6299% | 2,768 |
| Net loans and leases to core deposits | 97.9830% | 2,046 |
| Total domestic deposits to total assets | 81.8423% | 5,057 |
| Equity capital to assets | 8.9596% | 5,639 |
| Core capital (leverage) ratio | 7.1882% | 7,065 |
| Tier 1 risk-based capital ratio | 9.7536% | 7,169 |
| Total risk-based capital ratio | 11.0050% | 7,161 |
| Memoranda: |
| Average total assets | $1,304,129,750 | 514 |
| Average earning assets | $1,196,196,000 | 506 |
| Average equity | $116,823,000 | 571 |
| Average total loans | $913,695,000 | 490 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3971% | 2,986 |
| Cost of funding earning assets | 1.9303% | 1,109 |
| Net interest margin | 3.4668% | 5,376 |
| Noninterest income to average assets | 0.3389% | 5,432 |
| Noninterest expense to average assets | 2.4593% | 5,881 |
| Loan and lease loss provision to assets | 0.7137% | 2,039 |
| Net operating income to assets | 0.3423% | 5,004 |
| Return on assets (ROA) | 0.3634% | 5,077 |
| Pretax return on assets | 0.3559% | 5,355 |
| Return on Equity (ROE) | 4.0566% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.0566% | 3,501 |
| Net charge-offs to loans | 0.7127% | 2,433 |
| Credit loss provision to net charge-offs | 142.5479% | 2,789 |
| Earnings coverage of net charge-offs (x) | 2.0943% | 3,977 |
| Efficiency ratio | 69.5251% | 4,278 |
| Assets per employee ($millions) | 6.7121% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4250% | 4,310 |
| Loan loss allowance to noncurrent loans | 57.0051% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 2.1793% | 3,283 |
| Noncurrent loans to loans | 2.4998% | 3,153 |
| Net loans and leases to total assets | 69.9334% | 2,915 |
| Net loans and leases to deposits | 86.5380% | 2,427 |
| Net loans and leases to core deposits | 98.1265% | 2,213 |
| Total domestic deposits to total assets | 80.8123% | 5,466 |
| Equity capital to assets | 9.3273% | 4,970 |
| Core capital (leverage) ratio | 7.0119% | 7,189 |
| Tier 1 risk-based capital ratio | 9.7897% | 7,139 |
| Total risk-based capital ratio | 11.0417% | 7,121 |
| Memoranda: |
| Average total assets | $1,291,835,330 | 515 |
| Average earning assets | $1,180,846,670 | 509 |
| Average equity | $115,714,000 | 572 |
| Average total loans | $907,503,670 | 493 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3030% | 3,534 |
| Cost of funding earning assets | 1.9540% | 1,233 |
| Net interest margin | 3.3490% | 5,792 |
| Noninterest income to average assets | 0.4042% | 4,889 |
| Noninterest expense to average assets | 2.4050% | 6,063 |
| Loan and lease loss provision to assets | 0.7979% | 1,588 |
| Net operating income to assets | 0.2934% | 5,325 |
| Return on assets (ROA) | 0.2918% | 5,458 |
| Pretax return on assets | 0.2651% | 5,698 |
| Return on Equity (ROE) | 3.3249% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.3249% | 4,157 |
| Net charge-offs to loans | 0.5614% | 2,397 |
| Credit loss provision to net charge-offs | 203.2838% | 1,830 |
| Earnings coverage of net charge-offs (x) | 2.7123% | 3,187 |
| Efficiency ratio | 68.7334% | 4,565 |
| Assets per employee ($millions) | 7.0879% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4059% | 4,393 |
| Loan loss allowance to noncurrent loans | 53.5677% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.3727% | 3,057 |
| Noncurrent loans to loans | 2.6246% | 3,042 |
| Net loans and leases to total assets | 67.9274% | 3,404 |
| Net loans and leases to deposits | 83.3069% | 3,061 |
| Net loans and leases to core deposits | 95.4048% | 2,651 |
| Total domestic deposits to total assets | 81.5387% | 5,256 |
| Equity capital to assets | 8.7062% | 5,720 |
| Core capital (leverage) ratio | 7.0873% | 7,186 |
| Tier 1 risk-based capital ratio | 9.3726% | 7,362 |
| Total risk-based capital ratio | 10.6234% | 7,365 |
| Memoranda: |
| Average total assets | $1,303,457,500 | 526 |
| Average earning assets | $1,193,069,500 | 519 |
| Average equity | $114,408,500 | 586 |
| Average total loans | $911,258,500 | 514 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4896% | 4,200 |
| Cost of funding earning assets | 2.2851% | 1,713 |
| Net interest margin | 3.2045% | 6,074 |
| Noninterest income to average assets | 0.4025% | 5,181 |
| Noninterest expense to average assets | 2.6055% | 5,785 |
| Loan and lease loss provision to assets | 0.6880% | 3,075 |
| Net operating income to assets | 0.1684% | 4,999 |
| Return on assets (ROA) | 0.0695% | 5,334 |
| Pretax return on assets | -0.1073% | 5,612 |
| Return on Equity (ROE) | 0.7766% | 5,299 |
| Retained earnings to average equity (ytd only) | 0.7766% | 4,468 |
| Net charge-offs to loans | 0.5836% | 3,467 |
| Credit loss provision to net charge-offs | 163.3695% | 2,686 |
| Earnings coverage of net charge-offs (x) | 1.7460% | 4,419 |
| Efficiency ratio | 77.3574% | 3,298 |
| Assets per employee ($millions) | 7.0031% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2523% | 5,033 |
| Loan loss allowance to noncurrent loans | 42.4808% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 2.4967% | 2,796 |
| Noncurrent loans to loans | 2.9480% | 2,610 |
| Net loans and leases to total assets | 70.0607% | 3,245 |
| Net loans and leases to deposits | 87.2689% | 2,686 |
| Net loans and leases to core deposits | 111.4292% | 2,756 |
| Total domestic deposits to total assets | 80.2814% | 5,590 |
| Equity capital to assets | 8.8501% | 5,356 |
| Core capital (leverage) ratio | 7.1903% | 7,081 |
| Tier 1 risk-based capital ratio | 9.1978% | 7,376 |
| Total risk-based capital ratio | 10.3708% | 7,433 |
| Memoranda: |
| Average total assets | $1,245,974,800 | 541 |
| Average earning assets | $1,142,452,000 | 530 |
| Average equity | $111,511,200 | 589 |
| Average total loans | $899,037,400 | 530 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4899% | 4,468 |
| Cost of funding earning assets | 2.3368% | 1,853 |
| Net interest margin | 3.1531% | 6,163 |
| Noninterest income to average assets | 0.5010% | 4,470 |
| Noninterest expense to average assets | 2.6439% | 5,548 |
| Loan and lease loss provision to assets | 0.7042% | 2,620 |
| Net operating income to assets | 0.1648% | 5,269 |
| Return on assets (ROA) | 0.0317% | 5,691 |
| Pretax return on assets | -0.1634% | 5,926 |
| Return on Equity (ROE) | 0.3535% | 5,671 |
| Retained earnings to average equity (ytd only) | 0.3535% | 5,051 |
| Net charge-offs to loans | 0.3953% | 3,686 |
| Credit loss provision to net charge-offs | 245.8553% | 1,763 |
| Earnings coverage of net charge-offs (x) | 2.6142% | 3,914 |
| Efficiency ratio | 77.2985% | 3,273 |
| Assets per employee ($millions) | 6.6464% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3236% | 4,364 |
| Loan loss allowance to noncurrent loans | 47.3232% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.2316% | 3,056 |
| Noncurrent loans to loans | 2.7970% | 2,718 |
| Net loans and leases to total assets | 71.1863% | 3,227 |
| Net loans and leases to deposits | 91.0285% | 2,388 |
| Net loans and leases to core deposits | 112.9543% | 2,936 |
| Total domestic deposits to total assets | 78.2022% | 6,019 |
| Equity capital to assets | 9.0004% | 5,479 |
| Core capital (leverage) ratio | 7.3289% | 7,163 |
| Tier 1 risk-based capital ratio | 9.2401% | 7,517 |
| Total risk-based capital ratio | 10.4838% | 7,515 |
| Memoranda: |
| Average total assets | $1,235,327,500 | 558 |
| Average earning assets | $1,132,911,000 | 547 |
| Average equity | $110,879,250 | 601 |
| Average total loans | $895,240,250 | 548 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4756% | 4,749 |
| Cost of funding earning assets | 2.3850% | 2,026 |
| Net interest margin | 3.0907% | 6,277 |
| Noninterest income to average assets | 0.5137% | 4,321 |
| Noninterest expense to average assets | 2.6918% | 5,413 |
| Loan and lease loss provision to assets | 0.8344% | 2,006 |
| Net operating income to assets | 0.0193% | 5,782 |
| Return on assets (ROA) | 0.0197% | 5,863 |
| Pretax return on assets | -0.1789% | 6,101 |
| Return on Equity (ROE) | 0.2197% | 5,856 |
| Retained earnings to average equity (ytd only) | 0.2197% | 5,127 |
| Net charge-offs to loans | 0.2737% | 3,828 |
| Credit loss provision to net charge-offs | 420.0820% | 1,099 |
| Earnings coverage of net charge-offs (x) | 3.2967% | 3,498 |
| Efficiency ratio | 79.7908% | 3,074 |
| Assets per employee ($millions) | 6.2202% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3449% | 4,010 |
| Loan loss allowance to noncurrent loans | 53.3768% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 2.0014% | 3,196 |
| Noncurrent loans to loans | 2.5196% | 2,868 |
| Net loans and leases to total assets | 71.2862% | 3,405 |
| Net loans and leases to deposits | 91.5769% | 2,558 |
| Net loans and leases to core deposits | 116.1890% | 2,694 |
| Total domestic deposits to total assets | 77.8429% | 6,120 |
| Equity capital to assets | 8.8221% | 5,564 |
| Core capital (leverage) ratio | 7.3603% | 7,179 |
| Tier 1 risk-based capital ratio | 9.1664% | 7,609 |
| Total risk-based capital ratio | 10.4065% | 7,622 |
| Memoranda: |
| Average total assets | $1,228,379,330 | 574 |
| Average earning assets | $1,125,967,330 | 563 |
| Average equity | $110,152,330 | 613 |
| Average total loans | $891,581,330 | 562 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5310% | 4,749 |
| Cost of funding earning assets | 2.4020% | 2,286 |
| Net interest margin | 3.1290% | 6,108 |
| Noninterest income to average assets | 0.4929% | 4,386 |
| Noninterest expense to average assets | 2.6171% | 5,381 |
| Loan and lease loss provision to assets | 0.2697% | 3,805 |
| Net operating income to assets | 0.4360% | 4,717 |
| Return on assets (ROA) | 0.4838% | 4,688 |
| Pretax return on assets | 0.5286% | 4,986 |
| Return on Equity (ROE) | 5.3513% | 4,309 |
| Retained earnings to average equity (ytd only) | 5.3513% | 2,932 |
| Net charge-offs to loans | 0.3523% | 2,676 |
| Credit loss provision to net charge-offs | 105.2296% | 3,606 |
| Earnings coverage of net charge-offs (x) | 2.9120% | 3,340 |
| Efficiency ratio | 77.1698% | 3,300 |
| Assets per employee ($millions) | 6.2345% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9167% | 6,668 |
| Loan loss allowance to noncurrent loans | 94.8646% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 4,223 |
| Noncurrent loans to loans | 0.9663% | 5,060 |
| Net loans and leases to total assets | 71.1361% | 3,438 |
| Net loans and leases to deposits | 93.2182% | 2,399 |
| Net loans and leases to core deposits | 124.0920% | 2,074 |
| Total domestic deposits to total assets | 76.3113% | 6,450 |
| Equity capital to assets | 8.9854% | 5,370 |
| Core capital (leverage) ratio | 7.5977% | 7,029 |
| Tier 1 risk-based capital ratio | 10.0393% | 6,874 |
| Total risk-based capital ratio | 10.9489% | 7,167 |
| Memoranda: |
| Average total assets | $1,223,658,500 | 581 |
| Average earning assets | $1,122,547,000 | 568 |
| Average equity | $110,627,500 | 608 |
| Average total loans | $890,160,000 | 567 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2705% | 4,120 |
| Cost of funding earning assets | 2.7823% | 2,779 |
| Net interest margin | 3.4881% | 5,334 |
| Noninterest income to average assets | 0.5341% | 4,370 |
| Noninterest expense to average assets | 2.7686% | 4,960 |
| Loan and lease loss provision to assets | 0.4199% | 3,184 |
| Net operating income to assets | 0.4870% | 4,799 |
| Return on assets (ROA) | 0.0982% | 5,964 |
| Pretax return on assets | -0.0796% | 6,245 |
| Return on Equity (ROE) | 1.0736% | 5,893 |
| Retained earnings to average equity (ytd only) | -0.5477% | 5,455 |
| Net charge-offs to loans | 0.4637% | 2,511 |
| Credit loss provision to net charge-offs | 121.6352% | 4,415 |
| Earnings coverage of net charge-offs (x) | 2.7454% | 4,711 |
| Efficiency ratio | 73.8777% | 3,597 |
| Assets per employee ($millions) | 6.2198% | 1,021 |
| Cash dividends to net income (ytd only)* | 151.0168% | 472 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9132% | 6,604 |
| Loan loss allowance to noncurrent loans | 74.9170% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 4,538 |
| Noncurrent loans to loans | 1.2190% | 4,077 |
| Net loans and leases to total assets | 73.0510% | 3,346 |
| Net loans and leases to deposits | 101.6282% | 1,624 |
| Net loans and leases to core deposits | 126.3070% | 2,137 |
| Total domestic deposits to total assets | 71.8806% | 7,026 |
| Equity capital to assets | 9.0975% | 5,230 |
| Core capital (leverage) ratio | 7.7286% | 6,883 |
| Tier 1 risk-based capital ratio | 10.1753% | 6,545 |
| Total risk-based capital ratio | 11.1067% | 6,775 |
| Memoranda: |
| Average total assets | $1,151,420,600 | 577 |
| Average earning assets | $1,050,447,800 | 579 |
| Average equity | $105,341,600 | 639 |
| Average total loans | $857,227,000 | 568 |
