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Wilmington Trust, Performance and Condition Ratios

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2024-12-31		Rank
Percentage of unprofitable institutions	0.0000%	319
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	8.3626%	130
Cost of funding earning assets	0.0389%	4,401
Net interest margin	8.3237%	22
Noninterest income to average assets	54.0000%	50
Noninterest expense to average assets	45.7072%	47
Loan and lease loss provision to assets	-0.0400%	4,239
Net operating income to assets	6.2780%	58
Return on assets (ROA)	6.2545%	59
Pretax return on assets	8.8308%	57
Return on Equity (ROE)	7.2700%	2,945
Retained earnings to average equity (ytd only)	2.2718%	3,286
Net charge-offs to loans	0.1887%	738
Credit loss provision to net charge-offs	-400.0000%	4,421
Earnings coverage of net charge-offs (x)	820.4533%	163
Efficiency ratio	83.8284%	802
Assets per employee ($millions)	0.9127%	4,399
Cash dividends to net income (ytd only)*	68.7317%	868
Condition Ratios (%)
Loss allowance to loans	1.8031%	529
Loan loss allowance to noncurrent loans	36.3690%	3,627
Noncurrent assets plus other real estate owned to assets	0.2852%	2,093
Noncurrent loans to loans	4.9577%	62
Net loans and leases to total assets	4.6800%	4,368
Net loans and leases to deposits	577.7083%	8
Net loans and leases to core deposits	577.7083%	10
Total domestic deposits to total assets	0.8100%	4,414
Equity capital to assets	84.8658%	91
Core capital (leverage) ratio	83.3673%	51
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	269.8814%	31
Memoranda:
Average total assets	$697,861,400	1,350
Average earning assets	$43,658,600	4,225
Average equity	$600,747,800	243
Average total loans	$39,743,000	3,967
2024-09-30		Rank
Percentage of unprofitable institutions	0.0000%	305
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	8.3363%	135
Cost of funding earning assets	0.0348%	4,441
Net interest margin	8.3015%	22
Noninterest income to average assets	53.3200%	50
Noninterest expense to average assets	45.1855%	48
Loan and lease loss provision to assets	0.0000%	3,009
Net operating income to assets	6.0954%	63
Return on assets (ROA)	6.0954%	64
Pretax return on assets	8.6802%	60
Return on Equity (ROE)	7.0600%	3,023
Retained earnings to average equity (ytd only)	7.0552%	1,722
Net charge-offs to loans	0.3494%	369
Credit loss provision to net charge-offs	0.0000%	2,285
Earnings coverage of net charge-offs (x)	418.7037%	285
Efficiency ratio	83.8854%	823
Assets per employee ($millions)	0.9745%	4,427
Cash dividends to net income (ytd only)*	0.0000%	3,021
Condition Ratios (%)
Loss allowance to loans	2.4159%	241
Loan loss allowance to noncurrent loans	53.3414%	3,507
Noncurrent assets plus other real estate owned to assets	0.2807%	2,094
Noncurrent loans to loans	4.5292%	89
Net loans and leases to total assets	4.9400%	4,397
Net loans and leases to deposits	606.6370%	7
Net loans and leases to core deposits	606.6370%	10
Total domestic deposits to total assets	0.8200%	4,446
Equity capital to assets	86.4929%	82
Core capital (leverage) ratio	86.0184%	47
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	275.5329%	29
Memoranda:
Average total assets	$694,586,750	1,341
Average earning assets	$45,982,250	4,233
Average equity	$600,094,250	243
Average total loans	$41,207,000	3,957
2024-06-30		Rank
Percentage of unprofitable institutions	0.0000%	306
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	8.4398%	127
Cost of funding earning assets	0.0337%	4,453
Net interest margin	8.4061%	22
Noninterest income to average assets	53.3100%	50
Noninterest expense to average assets	45.8974%	49
Loan and lease loss provision to assets	0.0000%	2,867
Net operating income to assets	5.5744%	64
Return on assets (ROA)	5.5744%	65
Pretax return on assets	7.9964%	61
Return on Equity (ROE)	6.4500%	3,143
Retained earnings to average equity (ytd only)	6.4547%	1,840
Net charge-offs to loans	-0.1868%	4,503
Credit loss provision to net charge-offs	0.0000%	2,036
Earnings coverage of net charge-offs (x)	0.0000%	2,538
Efficiency ratio	85.1626%	784
Assets per employee ($millions)	0.9733%	4,445
Cash dividends to net income (ytd only)*	0.0000%	2,897
Condition Ratios (%)
Loss allowance to loans	2.5855%	203
Loan loss allowance to noncurrent loans	66.6234%	3,420
Noncurrent assets plus other real estate owned to assets	0.2730%	2,069
Noncurrent loans to loans	3.8808%	102
Net loans and leases to total assets	5.5300%	4,414
Net loans and leases to deposits	660.6905%	8
Net loans and leases to core deposits	660.6905%	10
Total domestic deposits to total assets	0.8400%	4,465
Equity capital to assets	86.7649%	87
Core capital (leverage) ratio	87.7357%	45
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	268.8869%	31
Memoranda:
Average total assets	$687,031,667	1,347
Average earning assets	$47,536,667	4,240
Average equity	$593,335,000	242
Average total loans	$42,828,667	3,949
2024-03-31		Rank
Percentage of unprofitable institutions	0.0000%	11
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	8.7503%	113
Cost of funding earning assets	0.0326%	4,481
Net interest margin	8.7177%	23
Noninterest income to average assets	53.0200%	48
Noninterest expense to average assets	48.5260%	44
Loan and lease loss provision to assets	0.0000%	2,519
Net operating income to assets	3.4366%	123
Return on assets (ROA)	3.4366%	123
Pretax return on assets	5.1208%	88
Return on Equity (ROE)	3.9900%	3,674
Retained earnings to average equity (ytd only)	3.9888%	2,715
Net charge-offs to loans	-0.2703%	4,542
Credit loss provision to net charge-offs	0.0000%	1,619
Earnings coverage of net charge-offs (x)	0.0000%	2,130
Efficiency ratio	90.4546%	570
Assets per employee ($millions)	0.9993%	4,472
Cash dividends to net income (ytd only)*	0.0000%	2,272
Condition Ratios (%)
Loss allowance to loans	2.3704%	228
Loan loss allowance to noncurrent loans	54.5357%	3,574
Noncurrent assets plus other real estate owned to assets	0.3051%	1,896
Noncurrent loans to loans	4.3465%	83
Net loans and leases to total assets	6.1600%	4,443
Net loans and leases to deposits	704.5967%	3
Net loans and leases to core deposits	704.5967%	40
Total domestic deposits to total assets	0.8700%	4,514
Equity capital to assets	87.0102%	81
Core capital (leverage) ratio	86.0228%	48
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	260.9844%	35
Memoranda:
Average total assets	$681,144,000	1,364
Average earning assets	$49,095,500	4,251
Average equity	$586,843,000	248
Average total loans	$44,401,500	3,946
2023-12-31		Rank
Percentage of unprofitable institutions	0.0000%	46
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	7.6842%	137
Cost of funding earning assets	0.0703%	4,494
Net interest margin	7.6139%	39
Noninterest income to average assets	84.4800%	32
Noninterest expense to average assets	47.2192%	43
Loan and lease loss provision to assets	-0.0600%	4,460
Net operating income to assets	27.5260%	15
Return on assets (ROA)	27.5260%	16
Pretax return on assets	37.9342%	15
Return on Equity (ROE)	31.9100%	154
Retained earnings to average equity (ytd only)	-1.7279%	4,249
Net charge-offs to loans	-0.4391%	4,591
Credit loss provision to net charge-offs	0.0000%	2,397
Earnings coverage of net charge-offs (x)	0.0000%	2,831
Efficiency ratio	55.4888%	3,549
Assets per employee ($millions)	1.0115%	4,490
Cash dividends to net income (ytd only)*	105.4142%	218
Condition Ratios (%)
Loss allowance to loans	2.1462%	304
Loan loss allowance to noncurrent loans	47.4266%	3,640
Noncurrent assets plus other real estate owned to assets	0.3353%	1,611
Noncurrent loans to loans	4.5254%	63
Net loans and leases to total assets	6.5800%	4,459
Net loans and leases to deposits	746.6368%	3
Net loans and leases to core deposits	746.6368%	37
Total domestic deposits to total assets	0.8800%	4,533
Equity capital to assets	85.3048%	87
Core capital (leverage) ratio	86.0009%	44
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	263.8482%	37
Memoranda:
Average total assets	$706,498,800	1,300
Average earning assets	$56,922,200	4,177
Average equity	$609,355,000	231
Average total loans	$52,376,800	3,803
2023-09-30		Rank
Percentage of unprofitable institutions	0.0000%	10
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	7.5865%	134
Cost of funding earning assets	0.0456%	4,528
Net interest margin	7.5410%	37
Noninterest income to average assets	96.0200%	27
Noninterest expense to average assets	48.1067%	39
Loan and lease loss provision to assets	0.0000%	2,992
Net operating income to assets	35.2493%	11
Return on assets (ROA)	35.2493%	11
Pretax return on assets	48.5306%	9
Return on Equity (ROE)	40.7600%	109
Retained earnings to average equity (ytd only)	-3.6033%	4,385
Net charge-offs to loans	0.1556%	544
Credit loss provision to net charge-offs	0.0000%	2,098
Earnings coverage of net charge-offs (x)	4,116.1429%	17
Efficiency ratio	49.7807%	3,928
Assets per employee ($millions)	0.9847%	4,521
Cash dividends to net income (ytd only)*	108.8399%	172
Condition Ratios (%)
Loss allowance to loans	2.2677%	267
Loan loss allowance to noncurrent loans	50.0000%	3,634
Noncurrent assets plus other real estate owned to assets	0.3255%	1,722
Noncurrent loans to loans	4.5354%	62
Net loans and leases to total assets	7.0100%	4,485
Net loans and leases to deposits	543.0086%	3
Net loans and leases to core deposits	543.0086%	9
Total domestic deposits to total assets	1.2900%	4,564
Equity capital to assets	85.6184%	89
Core capital (leverage) ratio	71.6061%	70
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	262.9661%	34
Memoranda:
Average total assets	$712,431,500	1,284
Average earning assets	$58,505,750	4,177
Average equity	$616,085,250	230
Average total loans	$53,985,750	3,795
2023-06-30		Rank
Percentage of unprofitable institutions	0.0000%	43
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	7.4732%	131
Cost of funding earning assets	0.0463%	4,550
Net interest margin	7.4269%	40
Noninterest income to average assets	119.2700%	21
Noninterest expense to average assets	52.1133%	35
Loan and lease loss provision to assets	0.0000%	2,857
Net operating income to assets	49.2375%	6
Return on assets (ROA)	49.2375%	6
Pretax return on assets	67.7762%	4
Return on Equity (ROE)	56.7600%	52
Retained earnings to average equity (ytd only)	47.2367%	39
Net charge-offs to loans	0.2933%	287
Credit loss provision to net charge-offs	0.0000%	1,862
Earnings coverage of net charge-offs (x)	3,000.5366%	37
Efficiency ratio	43.4678%	4,281
Assets per employee ($millions)	1.2285%	4,537
Cash dividends to net income (ytd only)*	16.7838%	2,544
Condition Ratios (%)
Loss allowance to loans	2.0820%	368
Loan loss allowance to noncurrent loans	44.2339%	3,677
Noncurrent assets plus other real estate owned to assets	0.2937%	1,744
Noncurrent loans to loans	4.7067%	58
Net loans and leases to total assets	6.1100%	4,516
Net loans and leases to deposits	565.2009%	3
Net loans and leases to core deposits	565.2009%	7
Total domestic deposits to total assets	1.0800%	4,587
Equity capital to assets	89.3801%	77
Core capital (leverage) ratio	89.2247%	38
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	287.6673%	30
Memoranda:
Average total assets	$726,048,333	1,261
Average earning assets	$60,429,000	4,174
Average equity	$629,781,333	224
Average total loans	$55,914,667	3,778
2023-03-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	6.6618%	155
Cost of funding earning assets	0.0447%	4,582
Net interest margin	6.6171%	65
Noninterest income to average assets	72.3400%	37
Noninterest expense to average assets	67.2279%	34
Loan and lease loss provision to assets	0.0000%	2,553
Net operating income to assets	3.8747%	104
Return on assets (ROA)	3.8747%	104
Pretax return on assets	5.7206%	78
Return on Equity (ROE)	4.5500%	3,946
Retained earnings to average equity (ytd only)	-16.3117%	4,564
Net charge-offs to loans	0.6061%	134
Credit loss provision to net charge-offs	0.0000%	1,422
Earnings coverage of net charge-offs (x)	109.8068%	743
Efficiency ratio	92.1581%	301
Assets per employee ($millions)	0.9447%	4,615
Cash dividends to net income (ytd only)*	458.3652%	24
Condition Ratios (%)
Loss allowance to loans	1.9099%	523
Loan loss allowance to noncurrent loans	40.2715%	3,762
Noncurrent assets plus other real estate owned to assets	0.4105%	1,256
Noncurrent loans to loans	4.7427%	64
Net loans and leases to total assets	8.3200%	4,580
Net loans and leases to deposits	593.6147%	3
Net loans and leases to core deposits	593.6147%	8
Total domestic deposits to total assets	1.4000%	4,628
Equity capital to assets	85.6692%	43
Core capital (leverage) ratio	83.5204%	54
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	228.3854%	38
Memoranda:
Average total assets	$675,665,500	1,349
Average earning assets	$62,625,500	4,212
Average equity	$575,168,500	240
Average total loans	$58,079,000	3,789
2022-12-31		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9088%	359
Cost of funding earning assets	0.0411%	4,590
Net interest margin	4.8678%	164
Noninterest income to average assets	14.8300%	82
Noninterest expense to average assets	12.5996%	94
Loan and lease loss provision to assets	-0.0200%	4,323
Net operating income to assets	1.6715%	574
Return on assets (ROA)	1.6715%	546
Pretax return on assets	2.3678%	247
Return on Equity (ROE)	7.2600%	3,570
Retained earnings to average equity (ytd only)	-1.1089%	4,454
Net charge-offs to loans	-0.1548%	4,598
Credit loss provision to net charge-offs	0.0000%	1,979
Earnings coverage of net charge-offs (x)	0.0000%	2,564
Efficiency ratio	84.2651%	481
Assets per employee ($millions)	1.0191%	4,647
Cash dividends to net income (ytd only)*	115.2806%	130
Condition Ratios (%)
Loss allowance to loans	1.9190%	508
Loan loss allowance to noncurrent loans	40.5188%	3,769
Noncurrent assets plus other real estate owned to assets	0.4714%	1,076
Noncurrent loans to loans	4.7361%	59
Net loans and leases to total assets	8.5400%	4,611
Net loans and leases to deposits	619.0696%	4
Net loans and leases to core deposits	619.0696%	9
Total domestic deposits to total assets	1.3800%	4,660
Equity capital to assets	84.6088%	47
Core capital (leverage) ratio	85.7255%	45
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	254.8977%	36
Memoranda:
Average total assets	$3,014,243,400	389
Average earning assets	$75,435,200	4,096
Average equity	$694,281,400	216
Average total loans	$71,055,200	3,566
2022-09-30		Rank
Percentage of unprofitable institutions	0.0000%	1
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5278%	476
Cost of funding earning assets	0.0410%	4,611
Net interest margin	4.4869%	246
Noninterest income to average assets	12.2300%	93
Noninterest expense to average assets	10.3616%	101
Loan and lease loss provision to assets	-0.0100%	4,370
Net operating income to assets	1.4013%	1,092
Return on assets (ROA)	1.4013%	1,058
Pretax return on assets	1.9763%	486
Return on Equity (ROE)	6.9800%	3,597
Retained earnings to average equity (ytd only)	-3.7516%	4,567
Net charge-offs to loans	-0.2169%	4,650
Credit loss provision to net charge-offs	0.0000%	1,679
Earnings coverage of net charge-offs (x)	0.0000%	2,297
Efficiency ratio	84.0458%	544
Assets per employee ($millions)	1.0488%	4,684
Cash dividends to net income (ytd only)*	153.7319%	77
Condition Ratios (%)
Loss allowance to loans	2.1062%	405
Loan loss allowance to noncurrent loans	52.0976%	3,759
Noncurrent assets plus other real estate owned to assets	0.4579%	1,182
Noncurrent loans to loans	4.0427%	93
Net loans and leases to total assets	9.4300%	4,650
Net loans and leases to deposits	566.2267%	2
Net loans and leases to core deposits	566.2267%	7
Total domestic deposits to total assets	1.6700%	4,701
Equity capital to assets	84.8926%	48
Core capital (leverage) ratio	83.9648%	56
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	257.7586%	34
Memoranda:
Average total assets	$3,594,817,500	337
Average earning assets	$78,122,250	4,085
Average equity	$721,489,750	208
Average total loans	$73,759,000	3,523
2022-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1114%	750
Cost of funding earning assets	0.0395%	4,656
Net interest margin	4.0719%	423
Noninterest income to average assets	9.5174%	63
Noninterest expense to average assets	8.2421%	90
Loan and lease loss provision to assets	-0.0109%	4,402
Net operating income to assets	0.9699%	2,262
Return on assets (ROA)	0.9699%	2,239
Pretax return on assets	1.3585%	1,558
Return on Equity (ROE)	5.7440%	3,642
Retained earnings to average equity (ytd only)	-9.3142%	4,647
Net charge-offs to loans	-0.3284%	4,653
Credit loss provision to net charge-offs	198.4127%	974
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	85.9106%	578
Assets per employee ($millions)	1.3830%	4,722
Cash dividends to net income (ytd only)*	262.1547%	46
Condition Ratios (%)
Loss allowance to loans	2.1290%	423
Loan loss allowance to noncurrent loans	58.5521%	3,732
Noncurrent assets plus other real estate owned to assets	0.3486%	1,605
Noncurrent loans to loans	3.6360%	109
Net loans and leases to total assets	8.0611%	4,717
Net loans and leases to deposits	597.9500%	1
Net loans and leases to core deposits	597.9500%	9
Total domestic deposits to total assets	1.3481%	4,764
Equity capital to assets	88.9458%	16
Core capital (leverage) ratio	85.0744%	25
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	290.8156%	10
Memoranda:
Average total assets	$4,568,637,000	286
Average earning assets	$81,092,000	4,106
Average equity	$771,442,333	196
Average total loans	$76,726,333	3,507
2022-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0266%	731
Cost of funding earning assets	0.0377%	4,676
Net interest margin	3.9889%	425
Noninterest income to average assets	6.4518%	81
Noninterest expense to average assets	5.9274%	127
Loan and lease loss provision to assets	-0.0155%	4,436
Net operating income to assets	0.4288%	3,895
Return on assets (ROA)	0.4288%	3,858
Pretax return on assets	0.5925%	3,655
Return on Equity (ROE)	3.5191%	3,991
Retained earnings to average equity (ytd only)	3.5191%	3,113
Net charge-offs to loans	-0.5067%	4,711
Credit loss provision to net charge-offs	245.0980%	725
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	91.0516%	504
Assets per employee ($millions)	1.5365%	4,741
Cash dividends to net income (ytd only)*	0.0000%	2,254
Condition Ratios (%)
Loss allowance to loans	1.9457%	683
Loan loss allowance to noncurrent loans	49.2685%	3,842
Noncurrent assets plus other real estate owned to assets	0.3753%	1,608
Noncurrent loans to loans	3.9493%	100
Net loans and leases to total assets	8.3318%	4,744
Net loans and leases to deposits	620.2907%	1
Net loans and leases to core deposits	620.2907%	8
Total domestic deposits to total assets	1.3432%	4,792
Equity capital to assets	90.0206%	13
Core capital (leverage) ratio	89.6683%	18
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	288.3449%	12
Memoranda:
Average total assets	$6,433,225,000	227
Average earning assets	$84,936,000	4,077
Average equity	$783,831,000	198
Average total loans	$80,518,500	3,451
2021-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9017%	1,611
Cost of funding earning assets	0.0334%	4,746
Net interest margin	3.8683%	888
Noninterest income to average assets	4.2384%	129
Noninterest expense to average assets	3.7649%	361
Loan and lease loss provision to assets	-0.0104%	4,171
Net operating income to assets	0.3613%	4,327
Return on assets (ROA)	0.3613%	4,357
Pretax return on assets	0.5284%	4,212
Return on Equity (ROE)	4.8117%	4,035
Retained earnings to average equity (ytd only)	4.8117%	2,854
Net charge-offs to loans	-0.2183%	4,715
Credit loss provision to net charge-offs	431.8182%	878
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	87.7807%	398
Assets per employee ($millions)	21.7616%	87
Cash dividends to net income (ytd only)*	0.0000%	3,588
Condition Ratios (%)
Loss allowance to loans	1.8426%	808
Loan loss allowance to noncurrent loans	51.4341%	3,881
Noncurrent assets plus other real estate owned to assets	0.0288%	3,836
Noncurrent loans to loans	3.5824%	141
Net loans and leases to total assets	0.7091%	4,807
Net loans and leases to deposits	0.7648%	4,809
Net loans and leases to core deposits	0.7648%	4,798
Total domestic deposits to total assets	92.7170%	70
Equity capital to assets	6.4988%	4,793
Core capital (leverage) ratio	6.2332%	4,813
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	31.2699%	214
Memoranda:
Average total assets	$9,103,324,200	176
Average earning assets	$104,749,200	3,857
Average equity	$683,501,200	221
Average total loans	$100,793,600	3,185
2021-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8633%	1,884
Cost of funding earning assets	0.0320%	4,836
Net interest margin	3.8313%	1,055
Noninterest income to average assets	4.5043%	126
Noninterest expense to average assets	3.9454%	296
Loan and lease loss provision to assets	-0.0111%	4,322
Net operating income to assets	0.4273%	4,332
Return on assets (ROA)	0.4273%	4,362
Pretax return on assets	0.6194%	4,207
Return on Equity (ROE)	5.4295%	4,032
Retained earnings to average equity (ytd only)	5.4295%	3,060
Net charge-offs to loans	-0.1904%	4,765
Credit loss provision to net charge-offs	469.7987%	789
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	86.5154%	419
Assets per employee ($millions)	17.9176%	131
Cash dividends to net income (ytd only)*	0.0000%	3,236
Condition Ratios (%)
Loss allowance to loans	1.8149%	900
Loan loss allowance to noncurrent loans	56.5647%	3,883
Noncurrent assets plus other real estate owned to assets	0.0356%	3,920
Noncurrent loans to loans	3.2086%	193
Net loans and leases to total assets	0.9797%	4,876
Net loans and leases to deposits	1.0663%	4,880
Net loans and leases to core deposits	1.0663%	4,869
Total domestic deposits to total assets	91.8849%	150
Equity capital to assets	7.2652%	4,761
Core capital (leverage) ratio	6.2722%	4,886
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	34.5010%	176
Memoranda:
Average total assets	$8,381,496,250	181
Average earning assets	$108,194,500	3,873
Average equity	$659,564,250	227
Average total loans	$104,337,500	3,184
2021-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8855%	1,852
Cost of funding earning assets	0.0327%	4,874
Net interest margin	3.8528%	1,060
Noninterest income to average assets	4.7009%	121
Noninterest expense to average assets	3.9787%	296
Loan and lease loss provision to assets	-0.0139%	4,417
Net operating income to assets	0.5468%	4,120
Return on assets (ROA)	0.5468%	4,165
Pretax return on assets	0.7898%	3,886
Return on Equity (ROE)	6.7351%	3,725
Retained earnings to average equity (ytd only)	6.7351%	2,529
Net charge-offs to loans	0.0958%	759
Credit loss provision to net charge-offs	-1,078.4314%	3,677
Earnings coverage of net charge-offs (x)	601.6078%	226
Efficiency ratio	83.5511%	576
Assets per employee ($millions)	19.2891%	107
Cash dividends to net income (ytd only)*	0.0000%	3,087
Condition Ratios (%)
Loss allowance to loans	1.9188%	706
Loan loss allowance to noncurrent loans	54.6405%	3,900
Noncurrent assets plus other real estate owned to assets	0.0360%	4,012
Noncurrent loans to loans	3.5117%	180
Net loans and leases to total assets	0.8544%	4,916
Net loans and leases to deposits	0.9197%	4,918
Net loans and leases to core deposits	0.9197%	4,907
Total domestic deposits to total assets	92.9009%	37
Equity capital to assets	6.3523%	4,903
Core capital (leverage) ratio	7.8709%	4,538
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	30.3467%	244
Memoranda:
Average total assets	$7,908,343,667	188
Average earning assets	$110,257,333	3,870
Average equity	$642,065,667	231
Average total loans	$106,517,000	3,173
2021-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5887%	2,675
Cost of funding earning assets	0.0304%	4,916
Net interest margin	3.5582%	1,684
Noninterest income to average assets	5.6084%	110
Noninterest expense to average assets	4.9808%	177
Loan and lease loss provision to assets	-0.0149%	4,591
Net operating income to assets	0.4675%	4,242
Return on assets (ROA)	0.4675%	4,279
Pretax return on assets	0.7054%	4,003
Return on Equity (ROE)	4.9316%	4,100
Retained earnings to average equity (ytd only)	4.9316%	3,238
Net charge-offs to loans	0.1045%	664
Credit loss provision to net charge-offs	-833.3333%	3,308
Earnings coverage of net charge-offs (x)	385.6667%	237
Efficiency ratio	87.6968%	458
Assets per employee ($millions)	13.8781%	243
Cash dividends to net income (ytd only)*	0.0000%	2,433
Condition Ratios (%)
Loss allowance to loans	1.7821%	905
Loan loss allowance to noncurrent loans	57.5689%	3,879
Noncurrent assets plus other real estate owned to assets	0.0570%	3,972
Noncurrent loans to loans	3.0955%	245
Net loans and leases to total assets	1.5716%	4,942
Net loans and leases to deposits	1.7447%	4,944
Net loans and leases to core deposits	1.7447%	4,934
Total domestic deposits to total assets	90.0824%	782
Equity capital to assets	8.9247%	3,757
Core capital (leverage) ratio	9.8431%	2,690
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	41.3978%	122
Memoranda:
Average total assets	$6,702,683,000	213
Average earning assets	$118,373,000	3,762
Average equity	$635,330,000	229
Average total loans	$114,826,000	3,065
2020-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3972%	1,601
Cost of funding earning assets	0.0306%	4,962
Net interest margin	4.3666%	437
Noninterest income to average assets	5.9568%	96
Noninterest expense to average assets	5.5118%	157
Loan and lease loss provision to assets	0.0038%	4,291
Net operating income to assets	0.3438%	4,367
Return on assets (ROA)	0.3438%	4,432
Pretax return on assets	0.5459%	4,185
Return on Equity (ROE)	2.9509%	4,398
Retained earnings to average equity (ytd only)	2.9509%	3,390
Net charge-offs to loans	-0.0812%	4,765
Credit loss provision to net charge-offs	-198.0198%	3,802
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	90.7809%	348
Assets per employee ($millions)	11.6239%	349
Cash dividends to net income (ytd only)*	0.0000%	3,731
Condition Ratios (%)
Loss allowance to loans	2.0254%	553
Loan loss allowance to noncurrent loans	59.5494%	3,887
Noncurrent assets plus other real estate owned to assets	0.0685%	4,003
Noncurrent loans to loans	3.4012%	219
Net loans and leases to total assets	1.8059%	4,966
Net loans and leases to deposits	2.0364%	4,969
Net loans and leases to core deposits	2.0364%	4,959
Total domestic deposits to total assets	88.6809%	1,128
Equity capital to assets	10.1168%	3,014
Core capital (leverage) ratio	10.7318%	1,983
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	46.7150%	91
Memoranda:
Average total assets	$5,322,767,200	241
Average earning assets	$127,535,000	3,539
Average equity	$620,114,200	226
Average total loans	$124,367,000	2,931
2020-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5082%	1,550
Cost of funding earning assets	0.0298%	5,001
Net interest margin	4.4784%	399
Noninterest income to average assets	6.1143%	93
Noninterest expense to average assets	5.4914%	155
Loan and lease loss provision to assets	0.0131%	4,148
Net operating income to assets	0.4707%	4,116
Return on assets (ROA)	0.4707%	4,190
Pretax return on assets	0.7240%	3,849
Return on Equity (ROE)	3.8842%	4,188
Retained earnings to average equity (ytd only)	3.8842%	3,106
Net charge-offs to loans	-0.0610%	4,724
Credit loss provision to net charge-offs	-862.0690%	3,895
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	88.0126%	416
Assets per employee ($millions)	8.6120%	808
Cash dividends to net income (ytd only)*	0.0000%	3,332
Condition Ratios (%)
Loss allowance to loans	2.2048%	351
Loan loss allowance to noncurrent loans	91.4336%	3,384
Noncurrent assets plus other real estate owned to assets	0.0714%	4,080
Noncurrent loans to loans	2.4114%	450
Net loans and leases to total assets	2.5054%	4,996
Net loans and leases to deposits	2.9536%	5,001
Net loans and leases to core deposits	2.9536%	4,991
Total domestic deposits to total assets	84.8260%	2,504
Equity capital to assets	13.7479%	924
Core capital (leverage) ratio	12.4754%	1,126
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	62.1698%	55
Memoranda:
Average total assets	$5,095,861,000	245
Average earning assets	$129,863,250	3,500
Average equity	$617,563,250	225
Average total loans	$126,748,250	2,909
2020-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.6810%	1,449
Cost of funding earning assets	0.0286%	5,039
Net interest margin	4.6524%	374
Noninterest income to average assets	5.8056%	92
Noninterest expense to average assets	5.1805%	176
Loan and lease loss provision to assets	0.0190%	4,000
Net operating income to assets	0.4426%	4,142
Return on assets (ROA)	0.4426%	4,208
Pretax return on assets	0.7236%	3,816
Return on Equity (ROE)	3.8002%	4,165
Retained earnings to average equity (ytd only)	3.8002%	3,012
Net charge-offs to loans	-0.0246%	4,473
Credit loss provision to net charge-offs	-3,125.0000%	4,005
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	87.3070%	487
Assets per employee ($millions)	10.9260%	394
Cash dividends to net income (ytd only)*	0.0000%	3,182
Condition Ratios (%)
Loss allowance to loans	1.9847%	448
Loan loss allowance to noncurrent loans	82.9038%	3,481
Noncurrent assets plus other real estate owned to assets	0.0556%	4,250
Noncurrent loans to loans	2.3940%	505
Net loans and leases to total assets	2.2129%	5,031
Net loans and leases to deposits	2.5178%	5,034
Net loans and leases to core deposits	2.5178%	5,023
Total domestic deposits to total assets	87.8917%	1,237
Equity capital to assets	10.9489%	2,389
Core capital (leverage) ratio	11.5820%	1,619
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	49.6592%	86
Memoranda:
Average total assets	$5,270,159,333	236
Average earning assets	$133,091,667	3,434
Average equity	$613,854,667	224
Average total loans	$129,946,333	2,865
2020-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1402%	738
Cost of funding earning assets	0.0298%	5,087
Net interest margin	5.1104%	164
Noninterest income to average assets	5.9809%	85
Noninterest expense to average assets	5.1833%	205
Loan and lease loss provision to assets	0.0394%	3,282
Net operating income to assets	0.4672%	3,978
Return on assets (ROA)	0.4672%	4,035
Pretax return on assets	0.8934%	3,155
Return on Equity (ROE)	3.8811%	3,981
Retained earnings to average equity (ytd only)	3.8811%	2,721
Net charge-offs to loans	-0.0611%	4,694
Credit loss provision to net charge-offs	-2,500.0000%	3,743
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	84.5915%	794
Assets per employee ($millions)	10.4414%	337
Cash dividends to net income (ytd only)*	0.0000%	2,581
Condition Ratios (%)
Loss allowance to loans	1.9415%	559
Loan loss allowance to noncurrent loans	79.1602%	3,579
Noncurrent assets plus other real estate owned to assets	0.0631%	4,287
Noncurrent loans to loans	2.4526%	498
Net loans and leases to total assets	2.3449%	5,078
Net loans and leases to deposits	2.7267%	5,081
Net loans and leases to core deposits	2.7267%	5,070
Total domestic deposits to total assets	85.9971%	2,004
Equity capital to assets	11.1954%	2,685
Core capital (leverage) ratio	11.9776%	1,755
Tier 1 risk-based capital ratio	NA	NA
Total risk-based capital ratio	48.8818%	95
Memoranda:
Average total assets	$5,069,941,500	235
Average earning assets	$134,236,500	3,395
Average equity	$610,348,500	227
Average total loans	$130,905,500	2,824
2019-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.3870%	681
Cost of funding earning assets	0.0288%	5,153
Net interest margin	5.3582%	138
Noninterest income to average assets	7.4159%	78
Noninterest expense to average assets	7.0853%	104
Loan and lease loss provision to assets	-0.0494%	5,019
Net operating income to assets	0.4217%	4,557
Return on assets (ROA)	0.4217%	4,586
Pretax return on assets	0.5824%	4,436
Return on Equity (ROE)	2.9023%	4,678
Retained earnings to average equity (ytd only)	2.9023%	3,576
Net charge-offs to loans	0.2089%	986
Credit loss provision to net charge-offs	-641.0256%	4,458
Earnings coverage of net charge-offs (x)	69.0929%	893
Efficiency ratio	92.8727%	268
Assets per employee ($millions)	8.7069%	549
Cash dividends to net income (ytd only)*	0.0000%	3,913
Condition Ratios (%)
Loss allowance to loans	1.2178%	2,333
Loan loss allowance to noncurrent loans	43.5449%	4,204
Noncurrent assets plus other real estate owned to assets	0.0848%	4,218
Noncurrent loans to loans	2.7967%	358
Net loans and leases to total assets	2.7722%	5,140
Net loans and leases to deposits	3.3234%	5,144
Net loans and leases to core deposits	3.3234%	5,134
Total domestic deposits to total assets	83.4132%	3,061
Equity capital to assets	13.0308%	1,503
Core capital (leverage) ratio	13.1230%	1,189
Tier 1 risk-based capital ratio	56.3542%	107
Total risk-based capital ratio	56.5021%	108
Memoranda:
Average total assets	$4,044,523,800	268
Average earning assets	$152,775,200	3,154
Average equity	$587,668,000	224
Average total loans	$149,382,200	2,626
2019-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4333%	657
Cost of funding earning assets	0.0288%	5,231
Net interest margin	5.4044%	139
Noninterest income to average assets	7.6588%	74
Noninterest expense to average assets	7.5349%	101
Loan and lease loss provision to assets	-0.0685%	5,137
Net operating income to assets	0.2954%	4,846
Return on assets (ROA)	0.2954%	4,865
Pretax return on assets	0.4108%	4,799
Return on Equity (ROE)	1.9721%	4,897
Retained earnings to average equity (ytd only)	1.9721%	4,280
Net charge-offs to loans	0.1705%	1,000
Credit loss provision to net charge-offs	-1,015.2284%	4,427
Earnings coverage of net charge-offs (x)	50.7107%	1,177
Efficiency ratio	95.5313%	208
Assets per employee ($millions)	6.9904%	1,028
Cash dividends to net income (ytd only)*	0.0000%	3,563
Condition Ratios (%)
Loss allowance to loans	1.2035%	2,482
Loan loss allowance to noncurrent loans	40.7399%	4,335
Noncurrent assets plus other real estate owned to assets	0.1268%	4,091
Noncurrent loans to loans	2.9541%	343
Net loans and leases to total assets	3.7470%	5,218
Net loans and leases to deposits	4.6828%	5,220
Net loans and leases to core deposits	4.6828%	5,211
Total domestic deposits to total assets	80.0150%	3,990
Equity capital to assets	15.9780%	635
Core capital (leverage) ratio	15.4198%	656
Tier 1 risk-based capital ratio	65.9567%	79
Total risk-based capital ratio	66.1453%	80
Memoranda:
Average total assets	$3,891,113,000	274
Average earning assets	$157,274,000	3,141
Average equity	$582,836,250	226
Average total loans	$154,046,750	2,606
2019-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4279%	647
Cost of funding earning assets	0.0285%	5,278
Net interest margin	5.3994%	150
Noninterest income to average assets	7.4281%	73
Noninterest expense to average assets	8.0732%	94
Loan and lease loss provision to assets	-0.1015%	5,210
Net operating income to assets	-0.2417%	5,156
Return on assets (ROA)	-0.2417%	5,162
Pretax return on assets	-0.3229%	5,168
Return on Equity (ROE)	-1.6483%	5,156
Retained earnings to average equity (ytd only)	-1.6483%	4,888
Net charge-offs to loans	0.1531%	1,022
Credit loss provision to net charge-offs	-1,652.8926%	4,355
Earnings coverage of net charge-offs (x)	-69.1240%	3,165
Efficiency ratio	105.4412%	119
Assets per employee ($millions)	7.4678%	829
Cash dividends to net income (ytd only)*	0.0000%	3,431
Condition Ratios (%)
Loss allowance to loans	1.1777%	2,638
Loan loss allowance to noncurrent loans	39.9149%	4,385
Noncurrent assets plus other real estate owned to assets	0.1258%	4,122
Noncurrent loans to loans	2.9506%	351
Net loans and leases to total assets	3.7658%	5,267
Net loans and leases to deposits	4.5658%	5,269
Net loans and leases to core deposits	4.5658%	5,260
Total domestic deposits to total assets	82.4771%	3,378
Equity capital to assets	14.6777%	900
Core capital (leverage) ratio	14.7468%	764
Tier 1 risk-based capital ratio	62.2450%	86
Total risk-based capital ratio	62.4355%	89
Memoranda:
Average total assets	$3,941,537,000	272
Average earning assets	$161,130,330	3,121
Average equity	$577,931,670	228
Average total loans	$158,116,670	2,567
2019-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.4015%	632
Cost of funding earning assets	0.0268%	5,339
Net interest margin	5.3747%	156
Noninterest income to average assets	7.1110%	69
Noninterest expense to average assets	10.5131%	59
Loan and lease loss provision to assets	-0.2038%	5,313
Net operating income to assets	-2.1926%	5,324
Return on assets (ROA)	-2.1926%	5,323
Pretax return on assets	-2.9737%	5,328
Return on Equity (ROE)	-14.9618%	5,320
Retained earnings to average equity (ytd only)	-14.9618%	5,204
Net charge-offs to loans	0.1338%	939
Credit loss provision to net charge-offs	-3,703.7037%	4,167
Earnings coverage of net charge-offs (x)	-577.5185%	2,738
Efficiency ratio	143.2421%	43
Assets per employee ($millions)	6.9480%	1,017
Cash dividends to net income (ytd only)*	0.0000%	2,768
Condition Ratios (%)
Loss allowance to loans	1.2034%	2,557
Loan loss allowance to noncurrent loans	38.8901%	4,474
Noncurrent assets plus other real estate owned to assets	0.1448%	4,079
Noncurrent loans to loans	3.0943%	338
Net loans and leases to total assets	4.3032%	5,327
Net loans and leases to deposits	5.3110%	5,327
Net loans and leases to core deposits	5.3110%	5,317
Total domestic deposits to total assets	81.0238%	3,963
Equity capital to assets	16.0182%	569
Core capital (leverage) ratio	14.8317%	734
Tier 1 risk-based capital ratio	69.0162%	67
Total risk-based capital ratio	69.2425%	68
Memoranda:
Average total assets	$3,925,868,500	274
Average earning assets	$164,103,000	3,128
Average equity	$575,333,500	230
Average total loans	$161,479,000	2,550
2018-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.2858%	3,162
Cost of funding earning assets	0.0215%	5,383
Net interest margin	4.2643%	1,241
Noninterest income to average assets	6.7233%	73
Noninterest expense to average assets	5.2073%	181
Loan and lease loss provision to assets	0.0000%	4,082
Net operating income to assets	1.3162%	1,740
Return on assets (ROA)	1.3162%	1,725
Pretax return on assets	1.7855%	961
Return on Equity (ROE)	9.5676%	2,709
Retained earnings to average equity (ytd only)	9.5676%	721
Net charge-offs to loans	0.1773%	1,086
Credit loss provision to net charge-offs	0.0000%	3,452
Earnings coverage of net charge-offs (x)	210.4927%	438
Efficiency ratio	74.4671%	1,561
Assets per employee ($millions)	8.6443%	523
Cash dividends to net income (ytd only)*	0.0000%	4,013
Condition Ratios (%)
Loss allowance to loans	2.3070%	283
Loan loss allowance to noncurrent loans	93.5987%	3,527
Noncurrent assets plus other real estate owned to assets	0.1056%	4,299
Noncurrent loans to loans	2.4648%	498
Net loans and leases to total assets	3.8249%	5,372
Net loans and leases to deposits	4.4817%	5,374
Net loans and leases to core deposits	4.4817%	5,364
Total domestic deposits to total assets	85.3452%	2,486
Equity capital to assets	13.5417%	1,129
Core capital (leverage) ratio	12.5091%	1,451
Tier 1 risk-based capital ratio	60.6912%	90
Total risk-based capital ratio	61.0957%	90
Memoranda:
Average total assets	$4,043,698,800	266
Average earning assets	$255,565,400	2,298
Average equity	$556,302,000	226
Average total loans	$193,502,400	2,222
2018-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.1184%	3,571
Cost of funding earning assets	0.0202%	5,452
Net interest margin	4.0981%	1,636
Noninterest income to average assets	6.5974%	78
Noninterest expense to average assets	5.1496%	186
Loan and lease loss provision to assets	0.0000%	3,948
Net operating income to assets	1.2799%	1,928
Return on assets (ROA)	1.2799%	1,928
Pretax return on assets	1.7332%	1,196
Return on Equity (ROE)	9.2642%	2,972
Retained earnings to average equity (ytd only)	9.2642%	1,127
Net charge-offs to loans	0.2044%	829
Credit loss provision to net charge-offs	0.0000%	3,085
Earnings coverage of net charge-offs (x)	168.8235%	493
Efficiency ratio	74.8185%	1,477
Assets per employee ($millions)	7.3843%	812
Cash dividends to net income (ytd only)*	0.0000%	3,598
Condition Ratios (%)
Loss allowance to loans	2.2429%	328
Loan loss allowance to noncurrent loans	99.7217%	3,463
Noncurrent assets plus other real estate owned to assets	0.1262%	4,331
Noncurrent loans to loans	2.2491%	619
Net loans and leases to total assets	4.6617%	5,442
Net loans and leases to deposits	5.5870%	5,444
Net loans and leases to core deposits	5.5870%	5,435
Total domestic deposits to total assets	83.4380%	3,149
Equity capital to assets	15.4641%	625
Core capital (leverage) ratio	14.5202%	816
Tier 1 risk-based capital ratio	68.2707%	64
Total risk-based capital ratio	68.7426%	66
Memoranda:
Average total assets	$3,974,089,000	267
Average earning assets	$276,769,250	2,166
Average equity	$549,055,250	227
Average total loans	$199,572,250	2,188
2018-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.9287%	3,997
Cost of funding earning assets	0.0187%	5,517
Net interest margin	3.9099%	2,171
Noninterest income to average assets	6.3794%	77
Noninterest expense to average assets	4.9995%	213
Loan and lease loss provision to assets	0.0000%	3,782
Net operating income to assets	1.2429%	2,015
Return on assets (ROA)	1.2429%	2,011
Pretax return on assets	1.6775%	1,278
Return on Equity (ROE)	9.3324%	2,877
Retained earnings to average equity (ytd only)	9.3324%	1,117
Net charge-offs to loans	0.2361%	674
Credit loss provision to net charge-offs	0.0000%	2,759
Earnings coverage of net charge-offs (x)	139.3510%	548
Efficiency ratio	74.8769%	1,585
Assets per employee ($millions)	7.8443%	662
Cash dividends to net income (ytd only)*	0.0000%	3,456
Condition Ratios (%)
Loss allowance to loans	2.1240%	427
Loan loss allowance to noncurrent loans	101.3165%	3,455
Noncurrent assets plus other real estate owned to assets	0.1130%	4,432
Noncurrent loans to loans	2.0964%	688
Net loans and leases to total assets	4.7591%	5,505
Net loans and leases to deposits	5.6178%	5,507
Net loans and leases to core deposits	5.6178%	5,499
Total domestic deposits to total assets	84.7153%	2,789
Equity capital to assets	14.3611%	846
Core capital (leverage) ratio	14.3404%	818
Tier 1 risk-based capital ratio	63.3948%	82
Total risk-based capital ratio	63.8504%	82
Memoranda:
Average total assets	$4,070,530,670	259
Average earning assets	$309,877,330	1,988
Average equity	$542,135,000	227
Average total loans	$207,525,670	2,126
2018-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8176%	4,168
Cost of funding earning assets	0.0151%	5,584
Net interest margin	3.8025%	2,417
Noninterest income to average assets	5.9404%	86
Noninterest expense to average assets	5.0488%	214
Loan and lease loss provision to assets	0.0000%	3,508
Net operating income to assets	0.9280%	3,168
Return on assets (ROA)	0.9280%	3,188
Pretax return on assets	1.2289%	2,645
Return on Equity (ROE)	7.2306%	3,688
Retained earnings to average equity (ytd only)	7.2306%	2,172
Net charge-offs to loans	0.1511%	926
Credit loss provision to net charge-offs	0.0000%	2,201
Earnings coverage of net charge-offs (x)	156.1707%	418
Efficiency ratio	80.4243%	1,096
Assets per employee ($millions)	7.1073%	923
Cash dividends to net income (ytd only)*	0.0000%	2,749
Condition Ratios (%)
Loss allowance to loans	1.9633%	587
Loan loss allowance to noncurrent loans	89.5121%	3,655
Noncurrent assets plus other real estate owned to assets	0.1535%	4,314
Noncurrent loans to loans	2.1933%	686
Net loans and leases to total assets	6.1606%	5,564
Net loans and leases to deposits	7.4067%	5,569
Net loans and leases to core deposits	7.4067%	5,561
Total domestic deposits to total assets	83.1766%	3,609
Equity capital to assets	16.0028%	485
Core capital (leverage) ratio	12.9511%	1,197
Tier 1 risk-based capital ratio	68.8826%	63
Total risk-based capital ratio	69.4133%	66
Memoranda:
Average total assets	$4,168,252,500	248
Average earning assets	$369,757,500	1,744
Average equity	$534,950,500	229
Average total loans	$217,077,500	2,063
2017-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.5481%	5,540
Cost of funding earning assets	0.0120%	5,645
Net interest margin	2.5361%	5,388
Noninterest income to average assets	5.3406%	103
Noninterest expense to average assets	4.3417%	358
Loan and lease loss provision to assets	0.0000%	4,227
Net operating income to assets	0.7362%	3,443
Return on assets (ROA)	0.7362%	3,486
Pretax return on assets	1.3417%	2,207
Return on Equity (ROE)	5.8948%	3,806
Retained earnings to average equity (ytd only)	5.8948%	1,595
Net charge-offs to loans	0.0246%	3,316
Credit loss provision to net charge-offs	0.0000%	3,708
Earnings coverage of net charge-offs (x)	877.6984%	95
Efficiency ratio	76.3649%	1,567
Assets per employee ($millions)	11.7270%	201
Cash dividends to net income (ytd only)*	0.0000%	4,098
Condition Ratios (%)
Loss allowance to loans	1.9130%	632
Loan loss allowance to noncurrent loans	85.2983%	3,804
Noncurrent assets plus other real estate owned to assets	0.1075%	4,593
Noncurrent loans to loans	2.2427%	640
Net loans and leases to total assets	4.3899%	5,635
Net loans and leases to deposits	4.9553%	5,638
Net loans and leases to core deposits	4.9553%	5,628
Total domestic deposits to total assets	88.5890%	1,201
Equity capital to assets	10.6773%	2,965
Core capital (leverage) ratio	13.0285%	1,132
Tier 1 risk-based capital ratio	48.1573%	130
Total risk-based capital ratio	48.5432%	132
Memoranda:
Average total assets	$4,121,366,000	244
Average earning assets	$557,041,600	1,195
Average equity	$514,708,400	222
Average total loans	$255,988,000	1,780
2017-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.4981%	5,613
Cost of funding earning assets	0.0123%	5,712
Net interest margin	2.4859%	5,480
Noninterest income to average assets	5.6082%	104
Noninterest expense to average assets	4.4298%	332
Loan and lease loss provision to assets	0.0000%	4,088
Net operating income to assets	0.9497%	2,778
Return on assets (ROA)	0.9497%	2,846
Pretax return on assets	1.5373%	1,635
Return on Equity (ROE)	7.2704%	3,508
Retained earnings to average equity (ytd only)	7.2704%	1,554
Net charge-offs to loans	-0.0066%	4,512
Credit loss provision to net charge-offs	0.0000%	3,274
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	74.1994%	1,865
Assets per employee ($millions)	7.9977%	634
Cash dividends to net income (ytd only)*	0.0000%	3,680
Condition Ratios (%)
Loss allowance to loans	1.7769%	892
Loan loss allowance to noncurrent loans	91.1448%	3,693
Noncurrent assets plus other real estate owned to assets	0.1561%	4,491
Noncurrent loans to loans	1.9496%	880
Net loans and leases to total assets	7.1998%	5,696
Net loans and leases to deposits	8.6526%	5,698
Net loans and leases to core deposits	8.6526%	5,692
Total domestic deposits to total assets	83.2095%	3,390
Equity capital to assets	15.8692%	565
Core capital (leverage) ratio	14.5504%	757
Tier 1 risk-based capital ratio	67.5839%	66
Total risk-based capital ratio	68.1383%	69
Memoranda:
Average total assets	$3,911,577,250	256
Average earning assets	$564,833,000	1,176
Average equity	$510,973,000	224
Average total loans	$264,483,000	1,749
2017-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.3715%	5,691
Cost of funding earning assets	0.0121%	5,763
Net interest margin	2.3594%	5,588
Noninterest income to average assets	5.2822%	110
Noninterest expense to average assets	4.2787%	385
Loan and lease loss provision to assets	0.0000%	3,871
Net operating income to assets	0.8379%	3,207
Return on assets (ROA)	0.8379%	3,265
Pretax return on assets	1.3355%	2,251
Return on Equity (ROE)	6.8080%	3,658
Retained earnings to average equity (ytd only)	6.8080%	1,684
Net charge-offs to loans	-0.0405%	5,081
Credit loss provision to net charge-offs	0.0000%	2,905
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	76.1550%	1,700
Assets per employee ($millions)	8.3614%	531
Cash dividends to net income (ytd only)*	0.0000%	3,521
Condition Ratios (%)
Loss allowance to loans	1.6985%	1,065
Loan loss allowance to noncurrent loans	68.6321%	4,203
Noncurrent assets plus other real estate owned to assets	0.1988%	4,375
Noncurrent loans to loans	2.4748%	612
Net loans and leases to total assets	7.4236%	5,744
Net loans and leases to deposits	8.8360%	5,746
Net loans and leases to core deposits	8.8360%	5,738
Total domestic deposits to total assets	84.0153%	3,190
Equity capital to assets	15.1466%	682
Core capital (leverage) ratio	13.7895%	914
Tier 1 risk-based capital ratio	64.3725%	74
Total risk-based capital ratio	64.9174%	75
Memoranda:
Average total assets	$4,109,089,000	246
Average earning assets	$578,116,000	1,164
Average equity	$505,728,330	227
Average total loans	$271,548,670	1,712
2017-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.1699%	5,781
Cost of funding earning assets	0.0117%	5,824
Net interest margin	2.1582%	5,720
Noninterest income to average assets	4.9651%	117
Noninterest expense to average assets	4.1822%	434
Loan and lease loss provision to assets	0.0000%	3,537
Net operating income to assets	0.7102%	3,661
Return on assets (ROA)	0.7102%	3,702
Pretax return on assets	1.0795%	3,065
Return on Equity (ROE)	6.3274%	3,753
Retained earnings to average equity (ytd only)	6.3274%	2,175
Net charge-offs to loans	-0.3630%	5,709
Credit loss provision to net charge-offs	0.0000%	2,277
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	79.4088%	1,440
Assets per employee ($millions)	13.0645%	133
Cash dividends to net income (ytd only)*	0.0000%	2,824
Condition Ratios (%)
Loss allowance to loans	1.6872%	1,168
Loan loss allowance to noncurrent loans	71.5989%	4,162
Noncurrent assets plus other real estate owned to assets	0.1306%	4,738
Noncurrent loans to loans	2.3564%	693
Net loans and leases to total assets	5.0754%	5,819
Net loans and leases to deposits	5.6451%	5,819
Net loans and leases to core deposits	5.6451%	5,809
Total domestic deposits to total assets	89.9073%	704
Equity capital to assets	9.6473%	4,131
Core capital (leverage) ratio	9.6099%	3,978
Tier 1 risk-based capital ratio	43.2655%	185
Total risk-based capital ratio	43.6558%	197
Memoranda:
Average total assets	$4,462,096,000	229
Average earning assets	$613,108,500	1,107
Average equity	$500,868,000	228
Average total loans	$278,825,500	1,680
2016-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	2.6745%	5,698
Cost of funding earning assets	0.0163%	5,876
Net interest margin	2.6582%	5,466
Noninterest income to average assets	6.7531%	88
Noninterest expense to average assets	6.1739%	155
Loan and lease loss provision to assets	0.0411%	3,557
Net operating income to assets	0.6033%	4,194
Return on assets (ROA)	0.6033%	4,306
Pretax return on assets	1.0100%	3,439
Return on Equity (ROE)	3.6540%	4,958
Retained earnings to average equity (ytd only)	3.6540%	3,318
Net charge-offs to loans	0.3666%	743
Credit loss provision to net charge-offs	100.0831%	2,559
Earnings coverage of net charge-offs (x)	25.5756%	1,582
Efficiency ratio	85.2055%	884
Assets per employee ($millions)	9.2364%	398
Cash dividends to net income (ytd only)*	0.0000%	4,198
Condition Ratios (%)
Loss allowance to loans	1.5007%	1,661
Loan loss allowance to noncurrent loans	71.7974%	4,188
Noncurrent assets plus other real estate owned to assets	0.1721%	4,634
Noncurrent loans to loans	2.0902%	842
Net loans and leases to total assets	7.6760%	5,871
Net loans and leases to deposits	8.9696%	5,872
Net loans and leases to core deposits	8.9696%	5,863
Total domestic deposits to total assets	85.5777%	2,793
Equity capital to assets	13.4676%	1,065
Core capital (leverage) ratio	15.3128%	559
Tier 1 risk-based capital ratio	57.0795%	100
Total risk-based capital ratio	57.5747%	102
Memoranda:
Average total assets	$2,929,641,800	299
Average earning assets	$520,052,400	1,235
Average equity	$483,719,600	225
Average total loans	$328,390,400	1,414
2016-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.0303%	5,544
Cost of funding earning assets	0.0188%	5,941
Net interest margin	3.0115%	4,993
Noninterest income to average assets	6.8875%	87
Noninterest expense to average assets	6.6176%	146
Loan and lease loss provision to assets	0.0486%	3,273
Net operating income to assets	0.4362%	4,918
Return on assets (ROA)	0.4362%	5,001
Pretax return on assets	0.7356%	4,513
Return on Equity (ROE)	2.4875%	5,355
Retained earnings to average equity (ytd only)	2.4875%	4,431
Net charge-offs to loans	0.3996%	540
Credit loss provision to net charge-offs	98.5222%	2,406
Earnings coverage of net charge-offs (x)	15.8818%	2,151
Efficiency ratio	89.0911%	609
Assets per employee ($millions)	10.7361%	232
Cash dividends to net income (ytd only)*	0.0000%	3,760
Condition Ratios (%)
Loss allowance to loans	1.3997%	2,204
Loan loss allowance to noncurrent loans	65.2782%	4,372
Noncurrent assets plus other real estate owned to assets	0.1684%	4,765
Noncurrent loans to loans	2.1443%	882
Net loans and leases to total assets	7.0434%	5,941
Net loans and leases to deposits	8.0121%	5,943
Net loans and leases to core deposits	8.0121%	5,933
Total domestic deposits to total assets	87.9102%	1,440
Equity capital to assets	11.3423%	2,663
Core capital (leverage) ratio	15.5856%	545
Tier 1 risk-based capital ratio	48.8171%	143
Total risk-based capital ratio	49.2471%	150
Memoranda:
Average total assets	$2,740,721,750	317
Average earning assets	$468,104,000	1,353
Average equity	$480,568,250	228
Average total loans	$338,689,250	1,382
2016-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1343%	5,512
Cost of funding earning assets	0.0200%	6,018
Net interest margin	3.1143%	4,791
Noninterest income to average assets	8.3313%	72
Noninterest expense to average assets	8.2494%	97
Loan and lease loss provision to assets	0.0630%	2,879
Net operating income to assets	0.3925%	5,057
Return on assets (ROA)	0.3925%	5,137
Pretax return on assets	0.6647%	4,732
Return on Equity (ROE)	1.8236%	5,547
Retained earnings to average equity (ytd only)	1.8236%	4,641
Net charge-offs to loans	0.4071%	560
Credit loss provision to net charge-offs	98.4529%	2,148
Earnings coverage of net charge-offs (x)	11.3755%	2,265
Efficiency ratio	91.4585%	522
Assets per employee ($millions)	5.7539%	1,581
Cash dividends to net income (ytd only)*	0.0000%	3,619
Condition Ratios (%)
Loss allowance to loans	1.3019%	2,771
Loan loss allowance to noncurrent loans	73.6085%	4,275
Noncurrent assets plus other real estate owned to assets	0.2826%	4,363
Noncurrent loans to loans	1.7686%	1,181
Net loans and leases to total assets	14.2643%	5,992
Net loans and leases to deposits	18.4176%	5,987
Net loans and leases to core deposits	18.4176%	5,988
Total domestic deposits to total assets	77.4491%	5,090
Equity capital to assets	21.0902%	181
Core capital (leverage) ratio	19.5559%	208
Tier 1 risk-based capital ratio	74.5320%	61
Total risk-based capital ratio	75.1961%	61
Memoranda:
Average total assets	$2,222,814,000	369
Average earning assets	$460,907,000	1,385
Average equity	$478,395,000	230
Average total loans	$349,328,670	1,336
2016-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.1745%	5,523
Cost of funding earning assets	0.0220%	6,077
Net interest margin	3.1525%	4,724
Noninterest income to average assets	8.0999%	74
Noninterest expense to average assets	8.4092%	99
Loan and lease loss provision to assets	0.0456%	3,006
Net operating income to assets	0.1713%	5,585
Return on assets (ROA)	0.1713%	5,639
Pretax return on assets	0.2980%	5,511
Return on Equity (ROE)	0.7879%	5,727
Retained earnings to average equity (ytd only)	0.7879%	4,904
Net charge-offs to loans	0.2285%	896
Credit loss provision to net charge-offs	121.9512%	1,428
Earnings coverage of net charge-offs (x)	9.1854%	2,006
Efficiency ratio	95.5011%	409
Assets per employee ($millions)	6.5130%	1,103
Cash dividends to net income (ytd only)*	0.0000%	2,863
Condition Ratios (%)
Loss allowance to loans	1.2262%	3,331
Loan loss allowance to noncurrent loans	48.6426%	4,864
Noncurrent assets plus other real estate owned to assets	0.3871%	4,039
Noncurrent loans to loans	2.5207%	737
Net loans and leases to total assets	14.2844%	6,049
Net loans and leases to deposits	17.9703%	6,042
Net loans and leases to core deposits	17.9703%	6,041
Total domestic deposits to total assets	79.4890%	4,857
Equity capital to assets	19.4551%	237
Core capital (leverage) ratio	20.7203%	173
Tier 1 risk-based capital ratio	73.1739%	66
Total risk-based capital ratio	73.8401%	66
Memoranda:
Average total assets	$2,192,065,000	372
Average earning assets	$453,996,000	1,410
Average equity	$476,709,000	229
Average total loans	$358,923,500	1,299
2015-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5316%	4,840
Cost of funding earning assets	0.0374%	6,121
Net interest margin	3.4941%	3,546
Noninterest income to average assets	10.4792%	63
Noninterest expense to average assets	8.4983%	97
Loan and lease loss provision to assets	0.0143%	4,121
Net operating income to assets	1.5970%	710
Return on assets (ROA)	1.5970%	731
Pretax return on assets	2.6376%	164
Return on Equity (ROE)	7.9576%	2,983
Retained earnings to average equity (ytd only)	7.9576%	931
Net charge-offs to loans	0.0809%	2,673
Credit loss provision to net charge-offs	100.0000%	2,501
Earnings coverage of net charge-offs (x)	185.6006%	356
Efficiency ratio	75.6520%	2,329
Assets per employee ($millions)	5.1160%	2,221
Cash dividends to net income (ytd only)*	0.0000%	4,258
Condition Ratios (%)
Loss allowance to loans	1.1879%	3,550
Loan loss allowance to noncurrent loans	45.0921%	4,983
Noncurrent assets plus other real estate owned to assets	0.5092%	3,603
Noncurrent loans to loans	2.6343%	676
Net loans and leases to total assets	18.5845%	6,069
Net loans and leases to deposits	25.2002%	6,041
Net loans and leases to core deposits	25.2002%	6,048
Total domestic deposits to total assets	73.7473%	5,674
Equity capital to assets	24.6649%	99
Core capital (leverage) ratio	22.3835%	123
Tier 1 risk-based capital ratio	86.8654%	47
Total risk-based capital ratio	87.6516%	46
Memoranda:
Average total assets	$2,295,613,200	342
Average earning assets	$440,824,400	1,408
Average equity	$460,719,200	225
Average total loans	$405,519,800	1,141
2015-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5920%	4,767
Cost of funding earning assets	0.0415%	6,204
Net interest margin	3.5506%	3,337
Noninterest income to average assets	10.7911%	63
Noninterest expense to average assets	7.9266%	114
Loan and lease loss provision to assets	0.0000%	4,232
Net operating income to assets	2.1276%	291
Return on assets (ROA)	2.1276%	307
Pretax return on assets	3.5197%	90
Return on Equity (ROE)	11.1153%	1,665
Retained earnings to average equity (ytd only)	11.1153%	460
Net charge-offs to loans	0.0865%	2,306
Credit loss provision to net charge-offs	0.0000%	3,517
Earnings coverage of net charge-offs (x)	233.4118%	306
Efficiency ratio	68.6798%	3,422
Assets per employee ($millions)	5.0319%	2,267
Cash dividends to net income (ytd only)*	0.0000%	3,801
Condition Ratios (%)
Loss allowance to loans	1.0486%	4,475
Loan loss allowance to noncurrent loans	42.0992%	5,167
Noncurrent assets plus other real estate owned to assets	0.5235%	3,751
Noncurrent loans to loans	2.4909%	819
Net loans and leases to total assets	20.6380%	6,130
Net loans and leases to deposits	28.7745%	6,092
Net loans and leases to core deposits	28.7828%	6,108
Total domestic deposits to total assets	71.7231%	5,880
Equity capital to assets	25.8097%	86
Core capital (leverage) ratio	17.3562%	346
Tier 1 risk-based capital ratio	88.1886%	47
Total risk-based capital ratio	88.9355%	47
Memoranda:
Average total assets	$2,387,333,500	340
Average earning assets	$440,519,250	1,412
Average equity	$456,969,250	231
Average total loans	$416,211,250	1,101
2015-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5300%	4,910
Cost of funding earning assets	0.0440%	6,282
Net interest margin	3.4859%	3,554
Noninterest income to average assets	11.5426%	63
Noninterest expense to average assets	7.5894%	125
Loan and lease loss provision to assets	0.0000%	4,069
Net operating income to assets	2.7690%	115
Return on assets (ROA)	2.7690%	117
Pretax return on assets	4.5758%	65
Return on Equity (ROE)	15.7841%	634
Retained earnings to average equity (ytd only)	15.7841%	159
Net charge-offs to loans	0.1064%	1,933
Credit loss provision to net charge-offs	0.0000%	3,158
Earnings coverage of net charge-offs (x)	258.7797%	266
Efficiency ratio	61.8122%	4,701
Assets per employee ($millions)	5.7050%	1,566
Cash dividends to net income (ytd only)*	0.0000%	3,641
Condition Ratios (%)
Loss allowance to loans	1.0076%	4,830
Loan loss allowance to noncurrent loans	46.9034%	5,084
Noncurrent assets plus other real estate owned to assets	0.4233%	4,223
Noncurrent loans to loans	2.1483%	1,119
Net loans and leases to total assets	19.3118%	6,216
Net loans and leases to deposits	26.1013%	6,198
Net loans and leases to core deposits	26.1078%	6,202
Total domestic deposits to total assets	73.9877%	5,800
Equity capital to assets	22.8045%	131
Core capital (leverage) ratio	17.3818%	340
Tier 1 risk-based capital ratio	79.8826%	58
Total risk-based capital ratio	80.5707%	58
Memoranda:
Average total assets	$2,567,540,670	317
Average earning assets	$458,585,330	1,361
Average equity	$450,415,670	234
Average total loans	$426,560,670	1,078
2015-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.4003%	5,200
Cost of funding earning assets	0.0454%	6,353
Net interest margin	3.3549%	4,005
Noninterest income to average assets	7.8461%	90
Noninterest expense to average assets	7.4182%	134
Loan and lease loss provision to assets	0.0000%	3,703
Net operating income to assets	0.5858%	4,337
Return on assets (ROA)	0.5858%	4,440
Pretax return on assets	1.0060%	3,473
Return on Equity (ROE)	3.7553%	5,086
Retained earnings to average equity (ytd only)	3.7553%	3,755
Net charge-offs to loans	0.0293%	2,596
Credit loss provision to net charge-offs	0.0000%	2,491
Earnings coverage of net charge-offs (x)	221.0938%	257
Efficiency ratio	87.2055%	1,082
Assets per employee ($millions)	5.7582%	1,580
Cash dividends to net income (ytd only)*	0.0000%	2,870
Condition Ratios (%)
Loss allowance to loans	1.0039%	4,994
Loan loss allowance to noncurrent loans	47.1815%	5,103
Noncurrent assets plus other real estate owned to assets	0.3263%	4,681
Noncurrent loans to loans	2.1277%	1,207
Net loans and leases to total assets	14.7674%	6,328
Net loans and leases to deposits	18.4816%	6,321
Net loans and leases to core deposits	18.4847%	6,320
Total domestic deposits to total assets	79.9032%	5,072
Equity capital to assets	15.4580%	635
Core capital (leverage) ratio	19.6088%	225
Tier 1 risk-based capital ratio	57.3163%	112
Total risk-based capital ratio	57.8713%	114
Memoranda:
Average total assets	$2,813,009,000	293
Average earning assets	$484,777,500	1,309
Average equity	$438,844,000	236
Average total loans	$437,285,500	1,052
2014-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5462%	5,212
Cost of funding earning assets	0.1584%	6,051
Net interest margin	3.3877%	4,243
Noninterest income to average assets	8.7595%	76
Noninterest expense to average assets	8.6900%	92
Loan and lease loss provision to assets	0.0357%	3,878
Net operating income to assets	0.4591%	4,970
Return on assets (ROA)	0.4591%	5,066
Pretax return on assets	0.7737%	4,352
Return on Equity (ROE)	2.5474%	5,618
Retained earnings to average equity (ytd only)	2.5474%	4,424
Net charge-offs to loans	0.2481%	1,727
Credit loss provision to net charge-offs	71.6695%	3,030
Earnings coverage of net charge-offs (x)	16.2698%	2,024
Efficiency ratio	90.4348%	815
Assets per employee ($millions)	5.7587%	1,551
Cash dividends to net income (ytd only)*	0.0000%	4,317
Condition Ratios (%)
Loss allowance to loans	0.9607%	5,244
Loan loss allowance to noncurrent loans	48.6398%	5,146
Noncurrent assets plus other real estate owned to assets	0.3320%	4,720
Noncurrent loans to loans	1.9751%	1,414
Net loans and leases to total assets	16.0370%	6,412
Net loans and leases to deposits	20.4873%	6,401
Net loans and leases to core deposits	20.4909%	6,398
Total domestic deposits to total assets	78.2777%	5,379
Equity capital to assets	15.7475%	570
Core capital (leverage) ratio	9.9777%	3,599
Tier 1 risk-based capital ratio	57.2233%	103
Total risk-based capital ratio	57.7894%	106
Memoranda:
Average total assets	$2,384,246,600	316
Average earning assets	$520,677,000	1,174
Average equity	$429,688,200	229
Average total loans	$478,097,000	925
2014-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5563%	5,251
Cost of funding earning assets	0.1891%	5,922
Net interest margin	3.3672%	4,369
Noninterest income to average assets	8.9654%	72
Noninterest expense to average assets	8.8772%	86
Loan and lease loss provision to assets	0.0408%	3,590
Net operating income to assets	0.4884%	4,912
Return on assets (ROA)	0.4884%	4,979
Pretax return on assets	0.8216%	4,279
Return on Equity (ROE)	2.6102%	5,677
Retained earnings to average equity (ytd only)	2.6102%	4,730
Net charge-offs to loans	0.2961%	1,331
Credit loss provision to net charge-offs	64.9351%	2,855
Earnings coverage of net charge-offs (x)	13.7272%	2,202
Efficiency ratio	90.0312%	842
Assets per employee ($millions)	5.8574%	1,444
Cash dividends to net income (ytd only)*	0.0000%	3,806
Condition Ratios (%)
Loss allowance to loans	0.9234%	5,517
Loan loss allowance to noncurrent loans	49.9532%	5,143
Noncurrent assets plus other real estate owned to assets	0.3198%	4,991
Noncurrent loans to loans	1.8485%	1,727
Net loans and leases to total assets	16.6665%	6,489
Net loans and leases to deposits	21.3149%	6,481
Net loans and leases to core deposits	21.3212%	6,476
Total domestic deposits to total assets	78.1917%	5,492
Equity capital to assets	15.7692%	594
Core capital (leverage) ratio	21.5226%	156
Tier 1 risk-based capital ratio	56.8910%	103
Total risk-based capital ratio	57.4528%	104
Memoranda:
Average total assets	$2,287,820,000	326
Average earning assets	$526,000,000	1,166
Average equity	$428,060,750	226
Average total loans	$485,489,500	924
2014-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5409%	5,307
Cost of funding earning assets	0.2180%	5,765
Net interest margin	3.3229%	4,496
Noninterest income to average assets	9.4350%	71
Noninterest expense to average assets	9.2441%	81
Loan and lease loss provision to assets	0.0515%	3,270
Net operating income to assets	0.5771%	4,470
Return on assets (ROA)	0.5771%	4,574
Pretax return on assets	0.9703%	3,610
Return on Equity (ROE)	2.8897%	5,566
Retained earnings to average equity (ytd only)	2.8897%	4,364
Net charge-offs to loans	0.3398%	1,196
Credit loss provision to net charge-offs	65.6325%	2,544
Earnings coverage of net charge-offs (x)	13.0155%	2,009
Efficiency ratio	88.8077%	1,012
Assets per employee ($millions)	4.4642%	2,979
Cash dividends to net income (ytd only)*	0.0000%	3,638
Condition Ratios (%)
Loss allowance to loans	0.9070%	5,706
Loan loss allowance to noncurrent loans	50.4867%	5,153
Noncurrent assets plus other real estate owned to assets	0.4272%	4,728
Noncurrent loans to loans	1.7966%	1,911
Net loans and leases to total assets	22.5900%	6,476
Net loans and leases to deposits	31.6140%	6,392
Net loans and leases to core deposits	31.6383%	6,421
Total domestic deposits to total assets	71.4556%	6,287
Equity capital to assets	20.4269%	201
Core capital (leverage) ratio	11.9720%	1,674
Tier 1 risk-based capital ratio	67.1888%	76
Total risk-based capital ratio	67.8712%	76
Memoranda:
Average total assets	$2,134,718,330	344
Average earning assets	$533,877,670	1,138
Average equity	$426,348,000	224
Average total loans	$493,280,670	902
2014-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5034%	5,411
Cost of funding earning assets	0.2346%	5,714
Net interest margin	3.2688%	4,677
Noninterest income to average assets	9.0258%	68
Noninterest expense to average assets	9.0157%	88
Loan and lease loss provision to assets	0.0000%	3,817
Net operating income to assets	0.4934%	4,720
Return on assets (ROA)	0.4934%	4,798
Pretax return on assets	0.8324%	3,966
Return on Equity (ROE)	2.4982%	5,626
Retained earnings to average equity (ytd only)	2.4982%	4,572
Net charge-offs to loans	-0.0128%	5,141
Credit loss provision to net charge-offs	0.0000%	2,688
Earnings coverage of net charge-offs (x)	NA	NA
Efficiency ratio	90.1563%	1,021
Assets per employee ($millions)	5.5646%	1,650
Cash dividends to net income (ytd only)*	0.0000%	2,852
Condition Ratios (%)
Loss allowance to loans	0.9495%	5,704
Loan loss allowance to noncurrent loans	46.6987%	5,332
Noncurrent assets plus other real estate owned to assets	0.3960%	4,955
Noncurrent loans to loans	2.0333%	1,830
Net loans and leases to total assets	18.7908%	6,594
Net loans and leases to deposits	24.5426%	6,570
Net loans and leases to core deposits	24.5607%	6,574
Total domestic deposits to total assets	76.5641%	6,018
Equity capital to assets	16.4706%	462
Core capital (leverage) ratio	20.7656%	176
Tier 1 risk-based capital ratio	57.7221%	100
Total risk-based capital ratio	58.3559%	100
Memoranda:
Average total assets	$2,148,517,000	341
Average earning assets	$540,499,500	1,132
Average equity	$424,312,500	227
Average total loans	$499,743,500	888
2013-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5784%	5,461
Cost of funding earning assets	0.5743%	2,889
Net interest margin	3.0041%	5,571
Noninterest income to average assets	11.9158%	55
Noninterest expense to average assets	11.7055%	62
Loan and lease loss provision to assets	0.0123%	4,879
Net operating income to assets	0.7810%	3,387
Return on assets (ROA)	0.6661%	4,052
Pretax return on assets	1.1174%	2,895
Return on Equity (ROE)	2.6209%	5,643
Retained earnings to average equity (ytd only)	2.6209%	4,391
Net charge-offs to loans	0.1755%	3,074
Credit loss provision to net charge-offs	20.8551%	4,432
Earnings coverage of net charge-offs (x)	22.2607%	1,458
Efficiency ratio	88.3892%	1,174
Assets per employee ($millions)	3.5990%	4,684
Cash dividends to net income (ytd only)*	0.0000%	4,285
Condition Ratios (%)
Loss allowance to loans	0.9133%	5,880
Loan loss allowance to noncurrent loans	52.4799%	5,155
Noncurrent assets plus other real estate owned to assets	0.5177%	4,692
Noncurrent loans to loans	1.7402%	2,311
Net loans and leases to total assets	29.4800%	6,478
Net loans and leases to deposits	46.0688%	6,004
Net loans and leases to core deposits	46.1306%	6,131
Total domestic deposits to total assets	63.9913%	6,668
Equity capital to assets	24.7114%	99
Core capital (leverage) ratio	19.8025%	209
Tier 1 risk-based capital ratio	73.7862%	70
Total risk-based capital ratio	74.6016%	70
Memoranda:
Average total assets	$1,630,502,400	424
Average earning assets	$596,519,600	1,026
Average equity	$414,396,800	224
Average total loans	$546,366,800	771
2013-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5727%	5,518
Cost of funding earning assets	0.6716%	2,164
Net interest margin	2.9011%	5,815
Noninterest income to average assets	12.0146%	56
Noninterest expense to average assets	11.6765%	66
Loan and lease loss provision to assets	-0.0207%	6,491
Net operating income to assets	0.8807%	2,929
Return on assets (ROA)	0.7256%	3,849
Pretax return on assets	1.2127%	2,648
Return on Equity (ROE)	2.8342%	5,665
Retained earnings to average equity (ytd only)	2.8342%	4,625
Net charge-offs to loans	0.0672%	3,958
Credit loss provision to net charge-offs	-89.2857%	5,766
Earnings coverage of net charge-offs (x)	61.8864%	737
Efficiency ratio	87.4469%	1,218
Assets per employee ($millions)	3.2572%	5,369
Cash dividends to net income (ytd only)*	0.0000%	3,738
Condition Ratios (%)
Loss allowance to loans	0.9302%	5,980
Loan loss allowance to noncurrent loans	53.9936%	5,060
Noncurrent assets plus other real estate owned to assets	0.5847%	4,688
Noncurrent loans to loans	1.7228%	2,613
Net loans and leases to total assets	33.6217%	6,378
Net loans and leases to deposits	56.2048%	5,359
Net loans and leases to core deposits	56.2457%	5,603
Total domestic deposits to total assets	59.8199%	6,786
Equity capital to assets	27.2142%	72
Core capital (leverage) ratio	18.8604%	242
Tier 1 risk-based capital ratio	77.2634%	62
Total risk-based capital ratio	78.1652%	62
Memoranda:
Average total assets	$1,610,749,750	431
Average earning assets	$608,670,750	1,014
Average equity	$412,384,750	223
Average total loans	$555,806,000	753
2013-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5650%	5,543
Cost of funding earning assets	0.7885%	1,479
Net interest margin	2.7765%	6,051
Noninterest income to average assets	11.9628%	58
Noninterest expense to average assets	11.6701%	67
Loan and lease loss provision to assets	-0.0306%	6,613
Net operating income to assets	0.8421%	3,086
Return on assets (ROA)	0.6126%	4,399
Pretax return on assets	1.0235%	3,401
Return on Equity (ROE)	2.4412%	5,818
Retained earnings to average equity (ytd only)	2.4412%	4,747
Net charge-offs to loans	0.0180%	4,482
Credit loss provision to net charge-offs	-490.1961%	5,901
Earnings coverage of net charge-offs (x)	216.3725%	242
Efficiency ratio	87.9114%	1,228
Assets per employee ($millions)	3.1612%	5,560
Cash dividends to net income (ytd only)*	0.0000%	3,522
Condition Ratios (%)
Loss allowance to loans	0.9419%	6,018
Loan loss allowance to noncurrent loans	52.1033%	5,112
Noncurrent assets plus other real estate owned to assets	0.6628%	4,571
Noncurrent loans to loans	1.8077%	2,630
Net loans and leases to total assets	36.1998%	6,287
Net loans and leases to deposits	61.2947%	4,826
Net loans and leases to core deposits	61.4013%	5,147
Total domestic deposits to total assets	59.0587%	6,844
Equity capital to assets	28.0412%	68
Core capital (leverage) ratio	19.6939%	207
Tier 1 risk-based capital ratio	76.4947%	62
Total risk-based capital ratio	77.4401%	62
Memoranda:
Average total assets	$1,633,028,000	423
Average earning assets	$622,726,330	986
Average equity	$409,791,670	226
Average total loans	$566,420,000	737
2013-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.5074%	5,683
Cost of funding earning assets	0.8395%	1,312
Net interest margin	2.6679%	6,275
Noninterest income to average assets	11.2098%	62
Noninterest expense to average assets	11.2644%	70
Loan and lease loss provision to assets	0.0117%	4,305
Net operating income to assets	0.5641%	4,388
Return on assets (ROA)	0.4892%	4,883
Pretax return on assets	0.8167%	4,109
Return on Equity (ROE)	2.0540%	5,923
Retained earnings to average equity (ytd only)	2.0540%	4,977
Net charge-offs to loans	0.1216%	2,692
Credit loss provision to net charge-offs	28.4091%	2,909
Earnings coverage of net charge-offs (x)	22.9432%	1,123
Efficiency ratio	90.4016%	1,108
Assets per employee ($millions)	3.4429%	5,109
Cash dividends to net income (ytd only)*	0.0000%	2,673
Condition Ratios (%)
Loss allowance to loans	0.9275%	6,189
Loan loss allowance to noncurrent loans	58.9918%	4,769
Noncurrent assets plus other real estate owned to assets	0.7231%	4,560
Noncurrent loans to loans	1.5723%	3,176
Net loans and leases to total assets	35.9089%	6,301
Net loans and leases to deposits	59.4368%	4,857
Net loans and leases to core deposits	59.6543%	5,179
Total domestic deposits to total assets	60.4153%	6,910
Equity capital to assets	26.0232%	83
Core capital (leverage) ratio	24.2193%	93
Tier 1 risk-based capital ratio	68.6550%	78
Total risk-based capital ratio	69.5412%	78
Memoranda:
Average total assets	$1,708,251,500	409
Average earning assets	$640,355,000	957
Average equity	$406,821,000	231
Average total loans	$578,732,500	723
2012-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.7894%	5,850
Cost of funding earning assets	0.9242%	1,790
Net interest margin	2.8652%	6,288
Noninterest income to average assets	11.1020%	66
Noninterest expense to average assets	10.7998%	70
Loan and lease loss provision to assets	0.0469%	5,249
Net operating income to assets	0.9235%	2,686
Return on assets (ROA)	0.4945%	4,961
Pretax return on assets	0.8170%	4,235
Return on Equity (ROE)	1.9942%	5,901
Retained earnings to average equity (ytd only)	1.9942%	4,821
Net charge-offs to loans	0.1901%	3,856
Credit loss provision to net charge-offs	64.4884%	4,328
Earnings coverage of net charge-offs (x)	21.1066%	1,314
Efficiency ratio	85.4250%	1,478
Assets per employee ($millions)	3.9288%	4,080
Cash dividends to net income (ytd only)*	0.0000%	4,298
Condition Ratios (%)
Loss allowance to loans	0.9184%	6,226
Loan loss allowance to noncurrent loans	63.2713%	4,524
Noncurrent assets plus other real estate owned to assets	0.6204%	4,918
Noncurrent loans to loans	1.4515%	3,422
Net loans and leases to total assets	31.5740%	6,644
Net loans and leases to deposits	47.0116%	6,173
Net loans and leases to core deposits	47.1430%	6,322
Total domestic deposits to total assets	67.1621%	6,876
Equity capital to assets	21.9376%	155
Core capital (leverage) ratio	21.6154%	146
Tier 1 risk-based capital ratio	61.0185%	93
Total risk-based capital ratio	61.8317%	94
Memoranda:
Average total assets	$1,599,882,600	425
Average earning assets	$687,974,400	881
Average equity	$396,696,400	229
Average total loans	$611,713,600	677
2012-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8093%	6,003
Cost of funding earning assets	0.9382%	1,932
Net interest margin	2.8711%	6,407
Noninterest income to average assets	11.3910%	66
Noninterest expense to average assets	10.9555%	71
Loan and lease loss provision to assets	0.0477%	5,173
Net operating income to assets	1.0550%	2,268
Return on assets (ROA)	0.5877%	4,720
Pretax return on assets	0.9677%	3,832
Return on Equity (ROE)	2.2909%	5,947
Retained earnings to average equity (ytd only)	2.2909%	5,191
Net charge-offs to loans	0.1585%	3,849
Credit loss provision to net charge-offs	74.9319%	3,776
Earnings coverage of net charge-offs (x)	27.4374%	1,185
Efficiency ratio	84.0403%	1,582
Assets per employee ($millions)	3.1486%	5,737
Cash dividends to net income (ytd only)*	0.0000%	3,713
Condition Ratios (%)
Loss allowance to loans	0.9418%	6,267
Loan loss allowance to noncurrent loans	69.6120%	4,231
Noncurrent assets plus other real estate owned to assets	0.6411%	5,067
Noncurrent loans to loans	1.3529%	3,761
Net loans and leases to total assets	39.6979%	6,307
Net loans and leases to deposits	70.8057%	3,785
Net loans and leases to core deposits	71.1687%	4,356
Total domestic deposits to total assets	56.0660%	7,093
Equity capital to assets	26.9660%	85
Core capital (leverage) ratio	18.7906%	258
Tier 1 risk-based capital ratio	67.9508%	77
Total risk-based capital ratio	68.8997%	79
Memoranda:
Average total assets	$1,538,218,500	435
Average earning assets	$701,922,750	867
Average equity	$394,598,750	232
Average total loans	$617,534,500	668
2012-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8067%	6,126
Cost of funding earning assets	0.9605%	1,993
Net interest margin	2.8462%	6,504
Noninterest income to average assets	11.1604%	69
Noninterest expense to average assets	10.9944%	70
Loan and lease loss provision to assets	0.0515%	5,025
Net operating income to assets	0.9017%	2,899
Return on assets (ROA)	0.2075%	6,076
Pretax return on assets	0.3372%	5,869
Return on Equity (ROE)	0.8225%	6,331
Retained earnings to average equity (ytd only)	0.8225%	5,737
Net charge-offs to loans	0.1740%	3,555
Credit loss provision to net charge-offs	73.6648%	3,486
Earnings coverage of net charge-offs (x)	21.0755%	1,358
Efficiency ratio	85.8285%	1,453
Assets per employee ($millions)	4.7467%	2,507
Cash dividends to net income (ytd only)*	0.0000%	3,523
Condition Ratios (%)
Loss allowance to loans	0.9376%	6,360
Loan loss allowance to noncurrent loans	67.5074%	4,304
Noncurrent assets plus other real estate owned to assets	0.4538%	5,652
Noncurrent loans to loans	1.3888%	3,841
Net loans and leases to total assets	26.9870%	6,955
Net loans and leases to deposits	46.0301%	6,436
Net loans and leases to core deposits	46.1813%	6,565
Total domestic deposits to total assets	58.6290%	7,145
Equity capital to assets	17.8530%	355
Core capital (leverage) ratio	15.6781%	505
Tier 1 risk-based capital ratio	53.0504%	121
Total risk-based capital ratio	53.8081%	121
Memoranda:
Average total assets	$1,553,475,000	435
Average earning assets	$713,592,000	846
Average equity	$391,980,330	232
Average total loans	$624,011,330	668
2012-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	3.8152%	6,214
Cost of funding earning assets	0.9831%	2,084
Net interest margin	2.8321%	6,583
Noninterest income to average assets	12.9380%	64
Noninterest expense to average assets	13.8647%	55
Loan and lease loss provision to assets	0.0656%	4,597
Net operating income to assets	0.4428%	5,067
Return on assets (ROA)	-0.0918%	6,613
Pretax return on assets	-0.1486%	6,628
Return on Equity (ROE)	-0.2874%	6,559
Retained earnings to average equity (ytd only)	-0.2874%	6,041
Net charge-offs to loans	0.1452%	3,229
Credit loss provision to net charge-offs	86.9565%	2,604
Earnings coverage of net charge-offs (x)	9.9739%	1,794
Efficiency ratio	92.1639%	938
Assets per employee ($millions)	2.7840%	6,520
Cash dividends to net income (ytd only)*	0.0000%	2,732
Condition Ratios (%)
Loss allowance to loans	0.9280%	6,481
Loan loss allowance to noncurrent loans	72.6189%	3,938
Noncurrent assets plus other real estate owned to assets	0.7566%	5,038
Noncurrent loans to loans	1.2779%	4,195
Net loans and leases to total assets	46.4268%	5,737
Net loans and leases to deposits	108.0161%	165
Net loans and leases to core deposits	109.6928%	545
Total domestic deposits to total assets	42.9814%	7,256
Equity capital to assets	29.3115%	67
Core capital (leverage) ratio	31.6309%	54
Tier 1 risk-based capital ratio	67.9068%	73
Total risk-based capital ratio	68.9034%	73
Memoranda:
Average total assets	$1,219,474,500	543
Average earning assets	$723,004,000	832
Average equity	$389,670,000	229
Average total loans	$633,425,000	657
2011-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0619%	6,337
Cost of funding earning assets	1.2245%	1,875
Net interest margin	2.8374%	6,777
Noninterest income to average assets	5.1082%	121
Noninterest expense to average assets	5.3080%	300
Loan and lease loss provision to assets	0.1371%	4,905
Net operating income to assets	0.5223%	4,333
Return on assets (ROA)	-0.3612%	6,436
Pretax return on assets	-0.5847%	6,545
Return on Equity (ROE)	-1.7283%	6,315
Retained earnings to average equity (ytd only)	-1.7283%	6,120
Net charge-offs to loans	0.2624%	4,129
Credit loss provision to net charge-offs	93.9050%	3,835
Earnings coverage of net charge-offs (x)	6.3901%	2,528
Efficiency ratio	82.5741%	1,943
Assets per employee ($millions)	2.2992%	7,013
Cash dividends to net income (ytd only)*	0.0000%	4,078
Condition Ratios (%)
Loss allowance to loans	0.9043%	6,527
Loan loss allowance to noncurrent loans	80.4008%	3,642
Noncurrent assets plus other real estate owned to assets	0.8988%	4,813
Noncurrent loans to loans	1.1248%	4,475
Net loans and leases to total assets	57.5186%	4,460
Net loans and leases to deposits	155.3039%	25
Net loans and leases to core deposits	160.6546%	106
Total domestic deposits to total assets	37.0362%	7,310
Equity capital to assets	35.1270%	49
Core capital (leverage) ratio	19.1953%	237
Tier 1 risk-based capital ratio	71.8898%	64
Total risk-based capital ratio	72.9529%	63
Memoranda:
Average total assets	$1,933,533,600	360
Average earning assets	$771,684,000	767
Average equity	$404,049,400	216
Average total loans	$1,075,278,200	391
2011-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.0942%	6,425
Cost of funding earning assets	1.2880%	1,770
Net interest margin	2.8062%	6,877
Noninterest income to average assets	3.7286%	168
Noninterest expense to average assets	3.9210%	1,122
Loan and lease loss provision to assets	0.1246%	4,869
Net operating income to assets	0.4615%	4,718
Return on assets (ROA)	-0.2319%	6,497
Pretax return on assets	-0.3732%	6,545
Return on Equity (ROE)	-1.2171%	6,399
Retained earnings to average equity (ytd only)	-1.2171%	6,184
Net charge-offs to loans	0.2265%	4,022
Credit loss provision to net charge-offs	99.5025%	3,436
Earnings coverage of net charge-offs (x)	6.6662%	2,511
Efficiency ratio	80.0912%	2,243
Assets per employee ($millions)	3.0677%	5,971
Cash dividends to net income (ytd only)*	0.0000%	3,512
Condition Ratios (%)
Loss allowance to loans	0.8995%	6,598
Loan loss allowance to noncurrent loans	71.4252%	3,913
Noncurrent assets plus other real estate owned to assets	0.5948%	5,628
Noncurrent loans to loans	1.2593%	4,432
Net loans and leases to total assets	45.1122%	6,229
Net loans and leases to deposits	82.5142%	2,257
Net loans and leases to core deposits	85.3415%	2,866
Total domestic deposits to total assets	54.6720%	7,340
Equity capital to assets	26.5685%	102
Core capital (leverage) ratio	35.8908%	57
Tier 1 risk-based capital ratio	60.2457%	109
Total risk-based capital ratio	61.1571%	110
Memoranda:
Average total assets	$2,139,866,250	327
Average earning assets	$783,341,000	762
Average equity	$407,742,000	214
Average total loans	$1,183,287,750	363
2011-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5021%	5,347
Cost of funding earning assets	1.4750%	1,088
Net interest margin	3.0272%	6,557
Noninterest income to average assets	-0.0023%	7,204
Noninterest expense to average assets	0.5809%	7,485
Loan and lease loss provision to assets	0.3484%	2,694
Net operating income to assets	1.2519%	1,437
Return on assets (ROA)	-0.8696%	6,902
Pretax return on assets	-1.3925%	7,030
Return on Equity (ROE)	-4.0683%	6,649
Retained earnings to average equity (ytd only)	-4.0683%	6,477
Net charge-offs to loans	0.3662%	3,086
Credit loss provision to net charge-offs	105.9655%	2,910
Earnings coverage of net charge-offs (x)	6.9074%	2,315
Efficiency ratio	20.3692%	7,476
Assets per employee ($millions)	125.3307%	18
Cash dividends to net income (ytd only)*	0.0000%	3,290
Condition Ratios (%)
Loss allowance to loans	0.8923%	6,678
Loan loss allowance to noncurrent loans	73.7745%	3,786
Noncurrent assets plus other real estate owned to assets	1.1343%	4,622
Noncurrent loans to loans	1.2095%	4,638
Net loans and leases to total assets	89.5804%	47
Net loans and leases to deposits	170.6092%	24
Net loans and leases to core deposits	210.3457%	67
Total domestic deposits to total assets	52.5062%	7,418
Equity capital to assets	22.4321%	168
Core capital (leverage) ratio	23.7899%	133
Tier 1 risk-based capital ratio	33.0304%	418
Total risk-based capital ratio	34.1029%	412
Memoranda:
Average total assets	$775,028,330	863
Average earning assets	$730,720,000	828
Average equity	$165,672,000	434
Average total loans	$695,792,670	609
2011-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.3237%	5,937
Cost of funding earning assets	1.5421%	1,012
Net interest margin	2.7816%	6,934
Noninterest income to average assets	0.0066%	7,283
Noninterest expense to average assets	0.5548%	7,548
Loan and lease loss provision to assets	0.4577%	1,925
Net operating income to assets	1.0166%	2,126
Return on assets (ROA)	0.4307%	4,888
Pretax return on assets	0.7023%	4,302
Return on Equity (ROE)	2.0638%	5,766
Retained earnings to average equity (ytd only)	2.0638%	4,905
Net charge-offs to loans	0.4717%	2,290
Credit loss provision to net charge-offs	108.4337%	2,460
Earnings coverage of net charge-offs (x)	4.9169%	2,372
Efficiency ratio	21.0944%	7,529
Assets per employee ($millions)	129.2727%	18
Cash dividends to net income (ytd only)*	0.0000%	2,514
Condition Ratios (%)
Loss allowance to loans	0.8723%	6,768
Loan loss allowance to noncurrent loans	79.4519%	3,556
Noncurrent assets plus other real estate owned to assets	1.0270%	4,851
Noncurrent loans to loans	1.0978%	4,867
Net loans and leases to total assets	88.7754%	66
Net loans and leases to deposits	160.6502%	28
Net loans and leases to core deposits	194.2891%	79
Total domestic deposits to total assets	55.2601%	7,466
Equity capital to assets	21.4166%	187
Core capital (leverage) ratio	23.4734%	129
Tier 1 risk-based capital ratio	29.2395%	557
Total risk-based capital ratio	30.1670%	566
Memoranda:
Average total assets	$786,550,500	861
Average earning assets	$741,863,000	821
Average equity	$164,165,000	436
Average total loans	$703,841,500	607
2010-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.7668%	5,551
Cost of funding earning assets	1.7944%	1,191
Net interest margin	2.9724%	6,792
Noninterest income to average assets	0.0065%	7,258
Noninterest expense to average assets	0.5038%	7,612
Loan and lease loss provision to assets	0.6497%	2,539
Net operating income to assets	1.0482%	1,881
Return on assets (ROA)	0.1267%	5,661
Pretax return on assets	0.2062%	5,480
Return on Equity (ROE)	0.7005%	5,780
Retained earnings to average equity (ytd only)	0.7005%	5,211
Net charge-offs to loans	0.5780%	3,311
Credit loss provision to net charge-offs	126.4746%	3,201
Earnings coverage of net charge-offs (x)	4.4689%	2,914
Efficiency ratio	17.9960%	7,628
Assets per employee ($millions)	132.9108%	16
Cash dividends to net income (ytd only)*	0.0000%	3,950
Condition Ratios (%)
Loss allowance to loans	0.8399%	6,880
Loan loss allowance to noncurrent loans	68.7443%	3,969
Noncurrent assets plus other real estate owned to assets	1.0945%	4,822
Noncurrent loans to loans	1.2218%	4,687
Net loans and leases to total assets	88.6636%	84
Net loans and leases to deposits	149.6596%	34
Net loans and leases to core deposits	183.2334%	100
Total domestic deposits to total assets	59.2435%	7,516
Equity capital to assets	20.3413%	241
Core capital (leverage) ratio	22.5416%	159
Tier 1 risk-based capital ratio	26.7951%	680
Total risk-based capital ratio	27.6390%	705
Memoranda:
Average total assets	$858,097,200	786
Average earning assets	$806,290,200	753
Average equity	$155,172,200	440
Average total loans	$762,608,600	567
2010-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8437%	5,499
Cost of funding earning assets	1.8442%	1,240
Net interest margin	2.9995%	6,834
Noninterest income to average assets	0.0061%	7,426
Noninterest expense to average assets	0.5112%	7,732
Loan and lease loss provision to assets	0.6680%	2,293
Net operating income to assets	1.0378%	2,109
Return on assets (ROA)	0.3342%	5,203
Pretax return on assets	0.5445%	4,781
Return on Equity (ROE)	1.9025%	5,643
Retained earnings to average equity (ytd only)	1.9025%	5,007
Net charge-offs to loans	0.6257%	2,870
Credit loss provision to net charge-offs	120.2914%	3,429
Earnings coverage of net charge-offs (x)	4.1630%	3,168
Efficiency ratio	18.1081%	7,733
Assets per employee ($millions)	137.7307%	18
Cash dividends to net income (ytd only)*	0.0000%	3,526
Condition Ratios (%)
Loss allowance to loans	0.7570%	7,093
Loan loss allowance to noncurrent loans	62.5703%	4,167
Noncurrent assets plus other real estate owned to assets	1.0945%	4,922
Noncurrent loans to loans	1.2099%	4,828
Net loans and leases to total assets	88.2015%	106
Net loans and leases to deposits	148.7198%	36
Net loans and leases to core deposits	180.7024%	106
Total domestic deposits to total assets	59.3072%	7,602
Equity capital to assets	19.3871%	325
Core capital (leverage) ratio	21.7693%	184
Tier 1 risk-based capital ratio	24.2581%	918
Total risk-based capital ratio	24.9633%	955
Memoranda:
Average total assets	$873,255,250	772
Average earning assets	$820,073,500	740
Average equity	$153,411,500	442
Average total loans	$774,998,250	558
2010-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.8858%	5,456
Cost of funding earning assets	1.9394%	1,081
Net interest margin	2.9463%	6,944
Noninterest income to average assets	0.0077%	7,501
Noninterest expense to average assets	0.4907%	7,804
Loan and lease loss provision to assets	0.4444%	3,096
Net operating income to assets	1.1711%	1,643
Return on assets (ROA)	0.1343%	5,884
Pretax return on assets	0.2185%	5,727
Return on Equity (ROE)	0.7900%	6,010
Retained earnings to average equity (ytd only)	0.7900%	5,456
Net charge-offs to loans	0.3569%	3,567
Credit loss provision to net charge-offs	140.3696%	2,855
Earnings coverage of net charge-offs (x)	7.2111%	2,342
Efficiency ratio	17.6929%	7,799
Assets per employee ($millions)	144.8070%	15
Cash dividends to net income (ytd only)*	0.0000%	3,319
Condition Ratios (%)
Loss allowance to loans	0.6981%	7,254
Loan loss allowance to noncurrent loans	57.8140%	4,467
Noncurrent assets plus other real estate owned to assets	1.0948%	4,940
Noncurrent loans to loans	1.2076%	4,949
Net loans and leases to total assets	88.2391%	120
Net loans and leases to deposits	180.7261%	29
Net loans and leases to core deposits	202.7606%	91
Total domestic deposits to total assets	48.8248%	7,738
Equity capital to assets	17.9081%	425
Core capital (leverage) ratio	20.7399%	210
Tier 1 risk-based capital ratio	21.9063%	1,217
Total risk-based capital ratio	22.5289%	1,272
Memoranda:
Average total assets	$888,879,000	759
Average earning assets	$834,466,000	718
Average equity	$151,144,670	449
Average total loans	$788,516,670	553
2010-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9324%	5,299
Cost of funding earning assets	2.0703%	889
Net interest margin	2.8621%	7,081
Noninterest income to average assets	0.0085%	7,629
Noninterest expense to average assets	0.4663%	7,909
Loan and lease loss provision to assets	0.5785%	2,181
Net operating income to assets	1.0835%	1,882
Return on assets (ROA)	-0.6252%	6,945
Pretax return on assets	-1.0186%	7,056
Return on Equity (ROE)	-3.7738%	6,809
Retained earnings to average equity (ytd only)	-3.7738%	6,476
Net charge-offs to loans	0.3800%	2,912
Credit loss provision to net charge-offs	171.7305%	2,109
Earnings coverage of net charge-offs (x)	6.6196%	2,197
Efficiency ratio	17.2966%	7,906
Assets per employee ($millions)	148.3703%	18
Cash dividends to net income (ytd only)*	0.0000%	2,528
Condition Ratios (%)
Loss allowance to loans	0.6801%	7,374
Loan loss allowance to noncurrent loans	89.8811%	3,064
Noncurrent assets plus other real estate owned to assets	0.6716%	5,835
Noncurrent loans to loans	0.7567%	5,811
Net loans and leases to total assets	88.0079%	122
Net loans and leases to deposits	158.8774%	37
Net loans and leases to core deposits	183.4987%	124
Total domestic deposits to total assets	55.3936%	7,802
Equity capital to assets	17.0708%	525
Core capital (leverage) ratio	19.9686%	252
Tier 1 risk-based capital ratio	20.4801%	1,432
Total risk-based capital ratio	21.0656%	1,525
Memoranda:
Average total assets	$898,897,500	768
Average earning assets	$844,126,500	731
Average equity	$148,920,500	459
Average total loans	$796,751,000	572
2009-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0931%	6,115
Cost of funding earning assets	3.0824%	185
Net interest margin	2.0107%	7,737
Noninterest income to average assets	0.0260%	7,605
Noninterest expense to average assets	0.5051%	7,981
Loan and lease loss provision to assets	0.5814%	3,473
Net operating income to assets	0.5875%	3,374
Return on assets (ROA)	-1.2632%	6,749
Pretax return on assets	-2.0587%	6,962
Return on Equity (ROE)	-10.5377%	6,656
Retained earnings to average equity (ytd only)	-10.5377%	6,554
Net charge-offs to loans	0.3711%	4,359
Credit loss provision to net charge-offs	197.2740%	2,000
Earnings coverage of net charge-offs (x)	4.7995%	2,814
Efficiency ratio	26.3120%	7,955
Assets per employee ($millions)	151.2622%	24
Cash dividends to net income (ytd only)*	0.0000%	4,015
Condition Ratios (%)
Loss allowance to loans	0.5993%	7,552
Loan loss allowance to noncurrent loans	81.4802%	3,394
Noncurrent assets plus other real estate owned to assets	0.6521%	5,835
Noncurrent loans to loans	0.7355%	5,783
Net loans and leases to total assets	88.1305%	166
Net loans and leases to deposits	152.7928%	40
Net loans and leases to core deposits	298.1485%	36
Total domestic deposits to total assets	57.6798%	7,837
Equity capital to assets	16.0729%	689
Core capital (leverage) ratio	19.4080%	308
Tier 1 risk-based capital ratio	18.4859%	1,753
Total risk-based capital ratio	18.9581%	1,922
Memoranda:
Average total assets	$945,989,400	708
Average earning assets	$890,869,200	678
Average equity	$113,402,600	577
Average total loans	$751,242,400	611
2009-09-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.0762%	6,354
Cost of funding earning assets	3.2078%	183
Net interest margin	1.8683%	7,866
Noninterest income to average assets	0.0244%	7,753
Noninterest expense to average assets	0.4956%	8,073
Loan and lease loss provision to assets	0.5581%	3,156
Net operating income to assets	0.5443%	3,814
Return on assets (ROA)	-1.7707%	7,226
Pretax return on assets	-2.8858%	7,469
Return on Equity (ROE)	-16.0715%	7,240
Retained earnings to average equity (ytd only)	-16.0715%	7,192
Net charge-offs to loans	0.3820%	3,737
Credit loss provision to net charge-offs	189.2148%	2,404
Earnings coverage of net charge-offs (x)	4.3718%	3,158
Efficiency ratio	27.7630%	8,024
Assets per employee ($millions)	155.7663%	25
Cash dividends to net income (ytd only)*	0.0000%	3,688
Condition Ratios (%)
Loss allowance to loans	0.4871%	7,732
Loan loss allowance to noncurrent loans	82.3408%	3,316
Noncurrent assets plus other real estate owned to assets	0.5582%	6,063
Noncurrent loans to loans	0.5915%	6,125
Net loans and leases to total assets	87.3558%	246
Net loans and leases to deposits	117.7139%	243
Net loans and leases to core deposits	280.1150%	42
Total domestic deposits to total assets	74.2103%	6,911
Equity capital to assets	15.2046%	949
Core capital (leverage) ratio	18.8467%	388
Tier 1 risk-based capital ratio	16.2302%	2,546
Total risk-based capital ratio	16.5751%	2,844
Memoranda:
Average total assets	$955,593,500	710
Average earning assets	$900,523,750	681
Average equity	$105,285,000	627
Average total loans	$737,885,250	641
2009-06-30		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.9693%	6,874
Cost of funding earning assets	3.3409%	173
Net interest margin	1.6284%	7,978
Noninterest income to average assets	0.0324%	7,828
Noninterest expense to average assets	0.5142%	8,170
Loan and lease loss provision to assets	0.5194%	2,948
Net operating income to assets	0.3903%	4,553
Return on assets (ROA)	-1.0704%	7,031
Pretax return on assets	-1.7445%	7,189
Return on Equity (ROE)	-11.0781%	7,114
Retained earnings to average equity (ytd only)	-11.0781%	6,975
Net charge-offs to loans	0.3897%	3,248
Credit loss provision to net charge-offs	180.6358%	2,531
Earnings coverage of net charge-offs (x)	3.6770%	3,345
Efficiency ratio	32.7208%	8,093
Assets per employee ($millions)	159.1340%	23
Cash dividends to net income (ytd only)*	0.0000%	3,532
Condition Ratios (%)
Loss allowance to loans	0.3874%	7,914
Loan loss allowance to noncurrent loans	88.0218%	3,234
Noncurrent assets plus other real estate owned to assets	0.3863%	6,494
Noncurrent loans to loans	0.4401%	6,423
Net loans and leases to total assets	86.8873%	306
Net loans and leases to deposits	111.2025%	513
Net loans and leases to core deposits	263.6992%	52
Total domestic deposits to total assets	78.1343%	6,039
Equity capital to assets	14.6909%	1,110
Core capital (leverage) ratio	19.0128%	419
Tier 1 risk-based capital ratio	19.5150%	1,673
Total risk-based capital ratio	19.8368%	1,815
Memoranda:
Average total assets	$962,592,000	726
Average earning assets	$909,826,330	691
Average equity	$93,012,670	715
Average total loans	$710,373,000	693
2009-03-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	4.5541%	7,664
Cost of funding earning assets	3.4776%	155
Net interest margin	1.0765%	8,151
Noninterest income to average assets	0.0567%	7,795
Noninterest expense to average assets	0.3526%	8,225
Loan and lease loss provision to assets	0.4139%	2,850
Net operating income to assets	0.2253%	5,580
Return on assets (ROA)	-0.5749%	6,991
Pretax return on assets	-0.9366%	7,119
Return on Equity (ROE)	-8.0076%	7,240
Retained earnings to average equity (ytd only)	-8.0076%	6,918
Net charge-offs to loans	0.5817%	2,009
Credit loss provision to net charge-offs	105.9322%	3,591
Earnings coverage of net charge-offs (x)	1.8623%	3,802
Efficiency ratio	32.6437%	8,132
Assets per employee ($millions)	165.7053%	22
Cash dividends to net income (ytd only)*	0.0000%	2,832
Condition Ratios (%)
Loss allowance to loans	0.2547%	8,066
Loan loss allowance to noncurrent loans	89.1725%	3,365
Noncurrent assets plus other real estate owned to assets	0.2471%	6,775
Noncurrent loans to loans	0.2856%	6,722
Net loans and leases to total assets	85.3243%	516
Net loans and leases to deposits	98.8052%	1,559
Net loans and leases to core deposits	236.0427%	82
Total domestic deposits to total assets	86.3560%	2,519
Equity capital to assets	9.6890%	4,401
Core capital (leverage) ratio	13.5922%	1,301
Tier 1 risk-based capital ratio	15.4907%	2,857
Total risk-based capital ratio	15.7310%	3,242
Memoranda:
Average total assets	$966,486,000	721
Average earning assets	$918,899,500	686
Average equity	$69,384,500	970
Average total loans	$649,145,000	761
2008-12-31		Rank
Percentage of unprofitable institutions	NA	NA
Percentage of insitutions with earnings gains	NA	NA
Performance Ratios (%, annualized)
Yield on earning assets	5.1524%	7,721
Cost of funding earning assets	3.5415%	467
Net interest margin	1.6108%	8,170
Noninterest income to average assets	0.0562%	7,860
Noninterest expense to average assets	0.7094%	8,241
Loan and lease loss provision to assets	0.4873%	2,866
Net operating income to assets	0.2405%	5,730
Return on assets (ROA)	0.2405%	5,548
Pretax return on assets	0.3916%	5,280
Return on Equity (ROE)	2.1662%	5,557
Retained earnings to average equity (ytd only)	2.1662%	3,878
Net charge-offs to loans	0.7608%	1,631
Credit loss provision to net charge-offs	131.7647%	4,042
Earnings coverage of net charge-offs (x)	2.3765%	4,890
Efficiency ratio	44.6636%	7,983
Assets per employee ($millions)	42.6700%	40
Cash dividends to net income (ytd only)*	0.0000%	4,825
Condition Ratios (%)
Loss allowance to loans	0.4712%	7,886
Loan loss allowance to noncurrent loans	104.8187%	3,317
Noncurrent assets plus other real estate owned to assets	0.2182%	6,698
Noncurrent loans to loans	0.4495%	6,004
Net loans and leases to total assets	47.4778%	7,225
Net loans and leases to deposits	50.2831%	7,619
Net loans and leases to core deposits	106.2814%	4,163
Total domestic deposits to total assets	94.4210%	20
Equity capital to assets	4.5207%	8,230
Core capital (leverage) ratio	10.7059%	2,815
Tier 1 risk-based capital ratio	18.6190%	1,887
Total risk-based capital ratio	19.1039%	2,016
Memoranda:
Average total assets	$574,544,400	1,171
Average earning assets	$546,486,600	1,131
Average equity	$63,797,000	1,047
Average total loans	$279,315,400	1,725