| 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 | 4.8889% | 2,300 |
| Cost of funding earning assets | 1.8493% | 1,162 |
| Net interest margin | 3.0396% | 3,204 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.2132% | 3,084 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0743% | 1,995 |
| Return on assets (ROA) | 1.0403% | 2,071 |
| Pretax return on assets | 1.0929% | 2,428 |
| Return on Equity (ROE) | 15.3500% | 1,223 |
| Retained earnings to average equity (ytd only) | 7.6933% | 1,632 |
| Net charge-offs to loans | -0.0606% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.6306% | 2,393 |
| Assets per employee ($millions) | 7.9437% | 1,467 |
| Cash dividends to net income (ytd only)* | 49.8662% | 1,630 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3993% | 1,397 |
| Loan loss allowance to noncurrent loans | 340.4739% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 1,740 |
| Noncurrent loans to loans | 0.4110% | 1,757 |
| Net loans and leases to total assets | 72.7600% | 1,494 |
| Net loans and leases to deposits | 88.0785% | 1,424 |
| Net loans and leases to core deposits | 96.2220% | 1,644 |
| Total domestic deposits to total assets | 82.6100% | 2,986 |
| Equity capital to assets | 7.1416% | 3,879 |
| Core capital (leverage) ratio | 8.8794% | 3,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5128% | 2,713 |
| Memoranda: |
| Average total assets | $1,975,826,600 | 581 |
| Average earning assets | $1,867,570,400 | 559 |
| Average equity | $133,947,400 | 738 |
| Average total loans | $1,436,445,600 | 533 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7840% | 2,302 |
| Cost of funding earning assets | 1.7113% | 1,168 |
| Net interest margin | 3.0727% | 3,194 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.2021% | 3,067 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.1170% | 2,001 |
| Return on assets (ROA) | 1.1195% | 1,972 |
| Pretax return on assets | 1.1792% | 2,346 |
| Return on Equity (ROE) | 16.7500% | 1,121 |
| Retained earnings to average equity (ytd only) | 7.5510% | 2,122 |
| Net charge-offs to loans | -0.0843% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.5912% | 2,430 |
| Assets per employee ($millions) | 7.6737% | 1,520 |
| Cash dividends to net income (ytd only)* | 54.9249% | 1,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4355% | 1,304 |
| Loan loss allowance to noncurrent loans | 305.9742% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3472% | 1,644 |
| Noncurrent loans to loans | 0.4692% | 1,651 |
| Net loans and leases to total assets | 72.9400% | 1,472 |
| Net loans and leases to deposits | 93.0656% | 962 |
| Net loans and leases to core deposits | 102.1107% | 1,207 |
| Total domestic deposits to total assets | 78.3700% | 3,773 |
| Equity capital to assets | 6.3291% | 3,887 |
| Core capital (leverage) ratio | 8.9146% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7527% | 2,679 |
| Memoranda: |
| Average total assets | $1,951,456,000 | 587 |
| Average earning assets | $1,843,732,250 | 563 |
| Average equity | $130,417,250 | 756 |
| Average total loans | $1,413,069,500 | 545 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6380% | 2,335 |
| Cost of funding earning assets | 1.5086% | 1,225 |
| Net interest margin | 3.1294% | 3,154 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.1880% | 3,113 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.1681% | 1,912 |
| Return on assets (ROA) | 1.1713% | 1,900 |
| Pretax return on assets | 1.2364% | 2,268 |
| Return on Equity (ROE) | 17.2100% | 1,058 |
| Retained earnings to average equity (ytd only) | 6.5610% | 2,433 |
| Net charge-offs to loans | -0.1105% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.3817% | 2,554 |
| Assets per employee ($millions) | 7.4450% | 1,631 |
| Cash dividends to net income (ytd only)* | 61.8757% | 935 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4709% | 1,276 |
| Loan loss allowance to noncurrent loans | 310.7001% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 1,530 |
| Noncurrent loans to loans | 0.4734% | 1,526 |
| Net loans and leases to total assets | 71.5800% | 1,575 |
| Net loans and leases to deposits | 88.0718% | 1,340 |
| Net loans and leases to core deposits | 96.9442% | 1,418 |
| Total domestic deposits to total assets | 81.2700% | 3,386 |
| Equity capital to assets | 6.9650% | 3,816 |
| Core capital (leverage) ratio | 9.0654% | 3,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9143% | 2,652 |
| Memoranda: |
| Average total assets | $1,931,775,333 | 577 |
| Average earning assets | $1,826,652,000 | 557 |
| Average equity | $131,474,000 | 744 |
| Average total loans | $1,388,173,333 | 540 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4625% | 2,406 |
| Cost of funding earning assets | 1.3078% | 1,214 |
| Net interest margin | 3.1547% | 3,225 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.1729% | 3,177 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.1823% | 1,981 |
| Return on assets (ROA) | 1.1865% | 1,929 |
| Pretax return on assets | 1.2438% | 2,323 |
| Return on Equity (ROE) | 17.6500% | 1,074 |
| Retained earnings to average equity (ytd only) | 5.1952% | 2,976 |
| Net charge-offs to loans | -0.0961% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.0971% | 2,555 |
| Assets per employee ($millions) | 7.2655% | 1,771 |
| Cash dividends to net income (ytd only)* | 70.5592% | 783 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5003% | 1,253 |
| Loan loss allowance to noncurrent loans | 259.8859% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 1,245 |
| Noncurrent loans to loans | 0.5773% | 1,294 |
| Net loans and leases to total assets | 70.6800% | 1,558 |
| Net loans and leases to deposits | 85.7775% | 1,372 |
| Net loans and leases to core deposits | 92.2301% | 1,496 |
| Total domestic deposits to total assets | 82.3900% | 3,422 |
| Equity capital to assets | 7.0668% | 3,799 |
| Core capital (leverage) ratio | 9.1275% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0132% | 2,727 |
| Memoranda: |
| Average total assets | $1,911,206,500 | 596 |
| Average earning assets | $1,805,458,500 | 579 |
| Average equity | $128,504,000 | 769 |
| Average total loans | $1,365,642,000 | 556 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8349% | 2,183 |
| Cost of funding earning assets | 0.4204% | 1,938 |
| Net interest margin | 3.4145% | 2,206 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.3027% | 2,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3127% | 1,385 |
| Return on assets (ROA) | 1.3165% | 1,333 |
| Pretax return on assets | 1.4246% | 1,698 |
| Return on Equity (ROE) | 18.0900% | 687 |
| Retained earnings to average equity (ytd only) | 9.4277% | 1,345 |
| Net charge-offs to loans | -0.0022% | 3,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.8480% | 2,784 |
| Assets per employee ($millions) | 7.2960% | 1,758 |
| Cash dividends to net income (ytd only)* | 47.8907% | 1,501 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4255% | 1,414 |
| Loan loss allowance to noncurrent loans | 207.9265% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 1,043 |
| Noncurrent loans to loans | 0.6856% | 1,091 |
| Net loans and leases to total assets | 70.1500% | 1,626 |
| Net loans and leases to deposits | 85.1390% | 1,380 |
| Net loans and leases to core deposits | 91.3287% | 1,435 |
| Total domestic deposits to total assets | 82.3900% | 3,552 |
| Equity capital to assets | 6.3833% | 3,947 |
| Core capital (leverage) ratio | 8.9263% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7285% | 2,808 |
| Memoranda: |
| Average total assets | $1,823,974,800 | 600 |
| Average earning assets | $1,729,366,400 | 582 |
| Average equity | $132,725,800 | 740 |
| Average total loans | $1,247,942,200 | 561 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6419% | 2,216 |
| Cost of funding earning assets | 0.2415% | 2,801 |
| Net interest margin | 3.4004% | 1,980 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.2796% | 2,692 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3508% | 1,212 |
| Return on assets (ROA) | 1.3557% | 1,176 |
| Pretax return on assets | 1.4258% | 1,645 |
| Return on Equity (ROE) | 18.0400% | 636 |
| Retained earnings to average equity (ytd only) | 8.9241% | 1,672 |
| Net charge-offs to loans | 0.0166% | 1,517 |
| Credit loss provision to net charge-offs | 296.0526% | 820 |
| Earnings coverage of net charge-offs (x) | 129.1579% | 814 |
| Efficiency ratio | 61.0569% | 2,958 |
| Assets per employee ($millions) | 6.9673% | 1,967 |
| Cash dividends to net income (ytd only)* | 50.5326% | 1,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5134% | 1,257 |
| Loan loss allowance to noncurrent loans | 229.2519% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 1,161 |
| Noncurrent loans to loans | 0.6602% | 1,232 |
| Net loans and leases to total assets | 69.5500% | 1,522 |
| Net loans and leases to deposits | 82.8784% | 1,371 |
| Net loans and leases to core deposits | 88.6286% | 1,380 |
| Total domestic deposits to total assets | 83.9200% | 3,521 |
| Equity capital to assets | 6.0311% | 3,950 |
| Core capital (leverage) ratio | 9.1375% | 3,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1944% | 2,752 |
| Memoranda: |
| Average total assets | $1,800,253,250 | 612 |
| Average earning assets | $1,709,895,750 | 588 |
| Average equity | $135,285,500 | 736 |
| Average total loans | $1,218,564,250 | 563 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5161% | 2,087 |
| Cost of funding earning assets | 0.1713% | 3,298 |
| Net interest margin | 3.3447% | 1,776 |
| Noninterest income to average assets | 0.5145% | 2,118 |
| Noninterest expense to average assets | 2.2469% | 2,714 |
| Loan and lease loss provision to assets | 0.0336% | 1,977 |
| Net operating income to assets | 1.3494% | 1,024 |
| Return on assets (ROA) | 1.3578% | 984 |
| Pretax return on assets | 1.4280% | 1,366 |
| Return on Equity (ROE) | 16.9172% | 577 |
| Retained earnings to average equity (ytd only) | 6.4469% | 2,191 |
| Net charge-offs to loans | 0.0242% | 1,238 |
| Credit loss provision to net charge-offs | 208.3333% | 949 |
| Earnings coverage of net charge-offs (x) | 90.0347% | 867 |
| Efficiency ratio | 60.7324% | 3,212 |
| Assets per employee ($millions) | 6.7666% | 2,101 |
| Cash dividends to net income (ytd only)* | 61.8914% | 1,014 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6009% | 1,152 |
| Loan loss allowance to noncurrent loans | 210.8254% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 1,096 |
| Noncurrent loans to loans | 0.7594% | 1,131 |
| Net loans and leases to total assets | 67.4105% | 1,534 |
| Net loans and leases to deposits | 75.5911% | 1,717 |
| Net loans and leases to core deposits | 80.4712% | 1,687 |
| Total domestic deposits to total assets | 89.1779% | 2,099 |
| Equity capital to assets | 6.8442% | 3,845 |
| Core capital (leverage) ratio | 8.9250% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5079% | 2,673 |
| Memoranda: |
| Average total assets | $1,784,894,667 | 610 |
| Average earning assets | $1,699,685,000 | 588 |
| Average equity | $143,262,667 | 714 |
| Average total loans | $1,190,116,000 | 567 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3774% | 2,155 |
| Cost of funding earning assets | 0.1556% | 3,424 |
| Net interest margin | 3.2217% | 1,810 |
| Noninterest income to average assets | 0.5309% | 1,991 |
| Noninterest expense to average assets | 2.2579% | 2,660 |
| Loan and lease loss provision to assets | 0.0336% | 1,754 |
| Net operating income to assets | 1.2472% | 1,127 |
| Return on assets (ROA) | 1.2479% | 1,110 |
| Pretax return on assets | 1.3124% | 1,467 |
| Return on Equity (ROE) | 14.4795% | 735 |
| Retained earnings to average equity (ytd only) | 5.3745% | 2,451 |
| Net charge-offs to loans | -0.0181% | 3,860 |
| Credit loss provision to net charge-offs | -283.0189% | 3,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6618% | 3,184 |
| Assets per employee ($millions) | 6.8570% | 2,094 |
| Cash dividends to net income (ytd only)* | 62.8818% | 990 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6606% | 1,129 |
| Loan loss allowance to noncurrent loans | 177.1034% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 876 |
| Noncurrent loans to loans | 0.9376% | 972 |
| Net loans and leases to total assets | 64.2457% | 1,592 |
| Net loans and leases to deposits | 71.6969% | 1,807 |
| Net loans and leases to core deposits | 77.1785% | 1,683 |
| Total domestic deposits to total assets | 89.6073% | 1,762 |
| Equity capital to assets | 7.7402% | 3,776 |
| Core capital (leverage) ratio | 8.9868% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7676% | 2,691 |
| Memoranda: |
| Average total assets | $1,784,154,000 | 605 |
| Average earning assets | $1,701,441,500 | 587 |
| Average equity | $153,762,000 | 698 |
| Average total loans | $1,173,275,500 | 576 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8288% | 1,797 |
| Cost of funding earning assets | 0.2171% | 3,294 |
| Net interest margin | 3.6117% | 1,437 |
| Noninterest income to average assets | 0.6258% | 2,045 |
| Noninterest expense to average assets | 2.3901% | 2,520 |
| Loan and lease loss provision to assets | 0.1665% | 700 |
| Net operating income to assets | 1.4314% | 1,179 |
| Return on assets (ROA) | 1.4346% | 1,247 |
| Pretax return on assets | 1.5087% | 1,694 |
| Return on Equity (ROE) | 15.3185% | 880 |
| Retained earnings to average equity (ytd only) | 9.3925% | 1,073 |
| Net charge-offs to loans | 0.0872% | 935 |
| Credit loss provision to net charge-offs | 282.4579% | 1,099 |
| Earnings coverage of net charge-offs (x) | 28.3637% | 1,653 |
| Efficiency ratio | 58.8405% | 3,309 |
| Assets per employee ($millions) | 6.8407% | 2,037 |
| Cash dividends to net income (ytd only)* | 38.6855% | 2,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6699% | 1,116 |
| Loan loss allowance to noncurrent loans | 249.0199% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 1,483 |
| Noncurrent loans to loans | 0.6706% | 1,492 |
| Net loans and leases to total assets | 65.0985% | 1,569 |
| Net loans and leases to deposits | 74.2498% | 1,706 |
| Net loans and leases to core deposits | 79.9443% | 1,600 |
| Total domestic deposits to total assets | 87.6749% | 2,212 |
| Equity capital to assets | 9.5223% | 3,128 |
| Core capital (leverage) ratio | 9.1299% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9412% | 2,653 |
| Memoranda: |
| Average total assets | $1,711,800,000 | 612 |
| Average earning assets | $1,628,594,000 | 590 |
| Average equity | $160,309,000 | 672 |
| Average total loans | $1,156,532,800 | 572 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9004% | 1,760 |
| Cost of funding earning assets | 0.2321% | 3,302 |
| Net interest margin | 3.6683% | 1,409 |
| Noninterest income to average assets | 0.6526% | 1,997 |
| Noninterest expense to average assets | 2.4013% | 2,435 |
| Loan and lease loss provision to assets | 0.2000% | 518 |
| Net operating income to assets | 1.4638% | 1,349 |
| Return on assets (ROA) | 1.4672% | 1,395 |
| Pretax return on assets | 1.5430% | 1,870 |
| Return on Equity (ROE) | 15.7354% | 999 |
| Retained earnings to average equity (ytd only) | 9.4278% | 1,524 |
| Net charge-offs to loans | 0.1150% | 669 |
| Credit loss provision to net charge-offs | 256.0241% | 1,082 |
| Earnings coverage of net charge-offs (x) | 22.2701% | 1,684 |
| Efficiency ratio | 57.9921% | 3,262 |
| Assets per employee ($millions) | 6.5719% | 2,194 |
| Cash dividends to net income (ytd only)* | 40.0855% | 1,609 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6564% | 1,208 |
| Loan loss allowance to noncurrent loans | 189.0699% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 1,270 |
| Noncurrent loans to loans | 0.8761% | 1,312 |
| Net loans and leases to total assets | 66.5366% | 1,479 |
| Net loans and leases to deposits | 76.1619% | 1,654 |
| Net loans and leases to core deposits | 82.3377% | 1,547 |
| Total domestic deposits to total assets | 87.3620% | 2,180 |
| Equity capital to assets | 9.6387% | 3,261 |
| Core capital (leverage) ratio | 9.2037% | 3,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8443% | 2,759 |
| Memoranda: |
| Average total assets | $1,700,237,250 | 619 |
| Average earning assets | $1,616,683,000 | 597 |
| Average equity | $158,534,500 | 692 |
| Average total loans | $1,154,691,000 | 586 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6978% | 2,339 |
| Cost of funding earning assets | 0.2533% | 3,253 |
| Net interest margin | 3.4445% | 2,024 |
| Noninterest income to average assets | 0.6380% | 2,053 |
| Noninterest expense to average assets | 2.3998% | 2,465 |
| Loan and lease loss provision to assets | 0.1767% | 652 |
| Net operating income to assets | 1.2730% | 1,942 |
| Return on assets (ROA) | 1.2770% | 2,007 |
| Pretax return on assets | 1.3429% | 2,506 |
| Return on Equity (ROE) | 13.8522% | 1,457 |
| Retained earnings to average equity (ytd only) | 6.8226% | 2,495 |
| Net charge-offs to loans | 0.0083% | 1,828 |
| Credit loss provision to net charge-offs | 3,125.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 267.9375% | 406 |
| Efficiency ratio | 61.2947% | 2,833 |
| Assets per employee ($millions) | 6.7291% | 2,001 |
| Cash dividends to net income (ytd only)* | 50.7474% | 1,204 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6577% | 1,156 |
| Loan loss allowance to noncurrent loans | 207.0101% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 1,544 |
| Noncurrent loans to loans | 0.8008% | 1,529 |
| Net loans and leases to total assets | 66.1108% | 1,685 |
| Net loans and leases to deposits | 75.5091% | 1,872 |
| Net loans and leases to core deposits | 82.5527% | 1,677 |
| Total domestic deposits to total assets | 87.5535% | 2,067 |
| Equity capital to assets | 9.3263% | 3,488 |
| Core capital (leverage) ratio | 8.6887% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7917% | 2,778 |
| Memoranda: |
| Average total assets | $1,697,415,667 | 618 |
| Average earning assets | $1,614,926,333 | 591 |
| Average equity | $156,480,333 | 689 |
| Average total loans | $1,154,234,333 | 591 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6042% | 2,627 |
| Cost of funding earning assets | 0.2761% | 3,214 |
| Net interest margin | 3.3281% | 2,306 |
| Noninterest income to average assets | 0.6881% | 1,904 |
| Noninterest expense to average assets | 2.4101% | 2,467 |
| Loan and lease loss provision to assets | 0.2838% | 343 |
| Net operating income to assets | 1.1017% | 2,472 |
| Return on assets (ROA) | 1.1102% | 2,522 |
| Pretax return on assets | 1.1672% | 2,934 |
| Return on Equity (ROE) | 12.1147% | 1,979 |
| Retained earnings to average equity (ytd only) | 5.0188% | 3,218 |
| Net charge-offs to loans | 0.0014% | 1,889 |
| Credit loss provision to net charge-offs | 30,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,524.5000% | 55 |
| Efficiency ratio | 62.5660% | 2,663 |
| Assets per employee ($millions) | 6.6649% | 2,035 |
| Cash dividends to net income (ytd only)* | 58.5729% | 922 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6101% | 1,264 |
| Loan loss allowance to noncurrent loans | 167.9117% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 1,451 |
| Noncurrent loans to loans | 0.9589% | 1,411 |
| Net loans and leases to total assets | 67.0394% | 1,655 |
| Net loans and leases to deposits | 76.3681% | 1,866 |
| Net loans and leases to core deposits | 82.9516% | 1,757 |
| Total domestic deposits to total assets | 87.7845% | 1,959 |
| Equity capital to assets | 8.9313% | 3,751 |
| Core capital (leverage) ratio | 8.7230% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0003% | 2,932 |
| Memoranda: |
| Average total assets | $1,691,527,000 | 610 |
| Average earning assets | $1,608,126,500 | 591 |
| Average equity | $155,018,000 | 690 |
| Average total loans | $1,156,847,000 | 588 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9161% | 2,983 |
| Cost of funding earning assets | 0.5976% | 2,331 |
| Net interest margin | 3.3185% | 3,023 |
| Noninterest income to average assets | 0.8354% | 1,439 |
| Noninterest expense to average assets | 2.6090% | 2,521 |
| Loan and lease loss provision to assets | 0.3560% | 962 |
| Net operating income to assets | 0.9527% | 2,469 |
| Return on assets (ROA) | 1.0372% | 2,289 |
| Pretax return on assets | 1.0903% | 2,736 |
| Return on Equity (ROE) | 10.9323% | 1,655 |
| Retained earnings to average equity (ytd only) | 4.1562% | 2,734 |
| Net charge-offs to loans | 0.2501% | 695 |
| Credit loss provision to net charge-offs | 198.4127% | 2,168 |
| Earnings coverage of net charge-offs (x) | 7.5646% | 2,684 |
| Efficiency ratio | 65.7783% | 2,565 |
| Assets per employee ($millions) | 6.3264% | 2,065 |
| Cash dividends to net income (ytd only)* | 61.9820% | 1,269 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5345% | 1,465 |
| Loan loss allowance to noncurrent loans | 160.4944% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 1,597 |
| Noncurrent loans to loans | 0.9561% | 1,479 |
| Net loans and leases to total assets | 67.5980% | 1,871 |
| Net loans and leases to deposits | 77.9057% | 2,079 |
| Net loans and leases to core deposits | 85.9363% | 1,876 |
| Total domestic deposits to total assets | 86.7691% | 2,050 |
| Equity capital to assets | 9.4035% | 3,699 |
| Core capital (leverage) ratio | 8.7718% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9805% | 2,926 |
| Memoranda: |
| Average total assets | $1,544,858,800 | 600 |
| Average earning assets | $1,457,511,800 | 580 |
| Average equity | $146,574,600 | 687 |
| Average total loans | $1,108,511,600 | 576 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9769% | 3,039 |
| Cost of funding earning assets | 0.6781% | 2,152 |
| Net interest margin | 3.2989% | 3,196 |
| Noninterest income to average assets | 0.8193% | 1,421 |
| Noninterest expense to average assets | 2.6256% | 2,464 |
| Loan and lease loss provision to assets | 0.3788% | 971 |
| Net operating income to assets | 0.8797% | 2,774 |
| Return on assets (ROA) | 0.9805% | 2,545 |
| Pretax return on assets | 1.0307% | 2,962 |
| Return on Equity (ROE) | 10.3085% | 1,901 |
| Retained earnings to average equity (ytd only) | 3.6705% | 3,215 |
| Net charge-offs to loans | 0.0439% | 1,999 |
| Credit loss provision to net charge-offs | 1,187.8453% | 740 |
| Earnings coverage of net charge-offs (x) | 40.8729% | 1,345 |
| Efficiency ratio | 66.8259% | 2,342 |
| Assets per employee ($millions) | 6.2985% | 2,002 |
| Cash dividends to net income (ytd only)* | 64.3935% | 981 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6247% | 1,032 |
| Loan loss allowance to noncurrent loans | 98.6104% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2035% | 832 |
| Noncurrent loans to loans | 1.6476% | 844 |
| Net loans and leases to total assets | 70.8927% | 1,834 |
| Net loans and leases to deposits | 82.2734% | 2,066 |
| Net loans and leases to core deposits | 90.8456% | 1,900 |
| Total domestic deposits to total assets | 86.1673% | 1,992 |
| Equity capital to assets | 9.4844% | 3,696 |
| Core capital (leverage) ratio | 9.0109% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2792% | 2,845 |
| Memoranda: |
| Average total assets | $1,513,532,750 | 596 |
| Average earning assets | $1,426,723,750 | 574 |
| Average equity | $143,955,000 | 691 |
| Average total loans | $1,098,991,500 | 576 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1133% | 3,018 |
| Cost of funding earning assets | 0.7800% | 1,933 |
| Net interest margin | 3.3333% | 3,296 |
| Noninterest income to average assets | 0.8197% | 1,380 |
| Noninterest expense to average assets | 2.6827% | 2,437 |
| Loan and lease loss provision to assets | 0.4182% | 944 |
| Net operating income to assets | 0.8162% | 2,986 |
| Return on assets (ROA) | 0.9360% | 2,683 |
| Pretax return on assets | 0.9836% | 3,076 |
| Return on Equity (ROE) | 9.8311% | 2,038 |
| Retained earnings to average equity (ytd only) | 3.2190% | 3,296 |
| Net charge-offs to loans | 0.0713% | 1,535 |
| Credit loss provision to net charge-offs | 805.1948% | 916 |
| Earnings coverage of net charge-offs (x) | 24.5636% | 1,574 |
| Efficiency ratio | 67.7730% | 2,267 |
| Assets per employee ($millions) | 6.2241% | 2,009 |
| Cash dividends to net income (ytd only)* | 67.2575% | 1,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5251% | 1,195 |
| Loan loss allowance to noncurrent loans | 180.3467% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 1,870 |
| Noncurrent loans to loans | 0.8456% | 1,801 |
| Net loans and leases to total assets | 72.0941% | 1,689 |
| Net loans and leases to deposits | 84.0068% | 1,998 |
| Net loans and leases to core deposits | 94.0979% | 1,728 |
| Total domestic deposits to total assets | 85.8194% | 2,088 |
| Equity capital to assets | 9.4160% | 3,731 |
| Core capital (leverage) ratio | 8.9825% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3300% | 2,880 |
| Memoranda: |
| Average total assets | $1,482,674,000 | 599 |
| Average earning assets | $1,396,091,000 | 578 |
| Average equity | $141,163,667 | 691 |
| Average total loans | $1,079,515,667 | 580 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2887% | 2,960 |
| Cost of funding earning assets | 0.8994% | 1,873 |
| Net interest margin | 3.3894% | 3,323 |
| Noninterest income to average assets | 0.5560% | 2,243 |
| Noninterest expense to average assets | 2.5944% | 2,997 |
| Loan and lease loss provision to assets | 0.4455% | 681 |
| Net operating income to assets | 0.6663% | 3,383 |
| Return on assets (ROA) | 0.6824% | 3,399 |
| Pretax return on assets | 0.7167% | 3,631 |
| Return on Equity (ROE) | 7.1246% | 2,892 |
| Retained earnings to average equity (ytd only) | -0.1424% | 4,016 |
| Net charge-offs to loans | 0.1669% | 791 |
| Credit loss provision to net charge-offs | 367.8161% | 1,054 |
| Earnings coverage of net charge-offs (x) | 9.4552% | 1,820 |
| Efficiency ratio | 69.3768% | 2,453 |
| Assets per employee ($millions) | 5.7640% | 1,881 |
| Cash dividends to net income (ytd only)* | 101.9992% | 739 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5049% | 1,324 |
| Loan loss allowance to noncurrent loans | 247.3311% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 2,543 |
| Noncurrent loans to loans | 0.6084% | 2,468 |
| Net loans and leases to total assets | 70.8341% | 2,112 |
| Net loans and leases to deposits | 83.6906% | 2,266 |
| Net loans and leases to core deposits | 95.7558% | 1,815 |
| Total domestic deposits to total assets | 84.6381% | 2,551 |
| Equity capital to assets | 9.5424% | 4,173 |
| Core capital (leverage) ratio | 9.7012% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4933% | 2,934 |
| Memoranda: |
| Average total assets | $1,436,658,500 | 588 |
| Average earning assets | $1,349,402,000 | 574 |
| Average equity | $137,608,500 | 703 |
| Average total loans | $1,042,848,000 | 576 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4382% | 3,143 |
| Cost of funding earning assets | 1.0607% | 1,474 |
| Net interest margin | 3.3776% | 3,804 |
| Noninterest income to average assets | 0.5899% | 2,270 |
| Noninterest expense to average assets | 2.6989% | 2,887 |
| Loan and lease loss provision to assets | 0.0750% | 2,495 |
| Net operating income to assets | 0.9400% | 3,058 |
| Return on assets (ROA) | 0.9544% | 3,085 |
| Pretax return on assets | 1.0030% | 3,457 |
| Return on Equity (ROE) | 10.3061% | 2,158 |
| Retained earnings to average equity (ytd only) | 6.2562% | 1,738 |
| Net charge-offs to loans | 0.0324% | 2,741 |
| Credit loss provision to net charge-offs | 320.5128% | 867 |
| Earnings coverage of net charge-offs (x) | 45.4167% | 1,205 |
| Efficiency ratio | 71.7453% | 1,905 |
| Assets per employee ($millions) | 5.2527% | 2,283 |
| Cash dividends to net income (ytd only)* | 39.2958% | 2,642 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4570% | 1,343 |
| Loan loss allowance to noncurrent loans | 218.9543% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5064% | 2,390 |
| Noncurrent loans to loans | 0.6655% | 2,223 |
| Net loans and leases to total assets | 72.2356% | 2,055 |
| Net loans and leases to deposits | 82.3452% | 2,518 |
| Net loans and leases to core deposits | 94.1080% | 2,053 |
| Total domestic deposits to total assets | 87.7229% | 1,263 |
| Equity capital to assets | 9.6167% | 4,257 |
| Core capital (leverage) ratio | 9.3655% | 4,207 |
| Tier 1 risk-based capital ratio | 11.4794% | 4,640 |
| Total risk-based capital ratio | 12.7298% | 4,512 |
| Memoranda: |
| Average total assets | $1,333,182,600 | 605 |
| Average earning assets | $1,251,960,200 | 594 |
| Average equity | $123,460,600 | 736 |
| Average total loans | $964,270,000 | 595 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4465% | 3,221 |
| Cost of funding earning assets | 1.0659% | 1,486 |
| Net interest margin | 3.3806% | 3,912 |
| Noninterest income to average assets | 0.5832% | 2,295 |
| Noninterest expense to average assets | 2.6745% | 2,931 |
| Loan and lease loss provision to assets | 0.0455% | 2,992 |
| Net operating income to assets | 0.9890% | 3,020 |
| Return on assets (ROA) | 0.9880% | 3,100 |
| Pretax return on assets | 1.0383% | 3,477 |
| Return on Equity (ROE) | 10.7780% | 2,109 |
| Retained earnings to average equity (ytd only) | 5.2621% | 2,749 |
| Net charge-offs to loans | -0.0031% | 4,108 |
| Credit loss provision to net charge-offs | -2,045.4545% | 4,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1408% | 1,948 |
| Assets per employee ($millions) | 5.1901% | 2,349 |
| Cash dividends to net income (ytd only)* | 51.1771% | 1,618 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4957% | 1,259 |
| Loan loss allowance to noncurrent loans | 246.4424% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 2,694 |
| Noncurrent loans to loans | 0.6069% | 2,465 |
| Net loans and leases to total assets | 71.2291% | 2,284 |
| Net loans and leases to deposits | 81.1544% | 2,785 |
| Net loans and leases to core deposits | 96.4611% | 1,964 |
| Total domestic deposits to total assets | 87.7698% | 1,138 |
| Equity capital to assets | 9.3349% | 4,573 |
| Core capital (leverage) ratio | 9.3198% | 4,352 |
| Tier 1 risk-based capital ratio | 11.4620% | 4,686 |
| Total risk-based capital ratio | 12.7131% | 4,587 |
| Memoranda: |
| Average total assets | $1,318,488,750 | 613 |
| Average earning assets | $1,238,818,500 | 600 |
| Average equity | $120,860,750 | 753 |
| Average total loans | $950,248,500 | 603 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4057% | 3,314 |
| Cost of funding earning assets | 1.0245% | 1,585 |
| Net interest margin | 3.3812% | 3,953 |
| Noninterest income to average assets | 0.4957% | 2,701 |
| Noninterest expense to average assets | 2.6359% | 3,096 |
| Loan and lease loss provision to assets | 0.0459% | 2,899 |
| Net operating income to assets | 0.9456% | 3,108 |
| Return on assets (ROA) | 0.9461% | 3,174 |
| Pretax return on assets | 0.9943% | 3,569 |
| Return on Equity (ROE) | 10.3868% | 2,218 |
| Retained earnings to average equity (ytd only) | 3.6640% | 3,421 |
| Net charge-offs to loans | -0.0051% | 4,126 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7118% | 1,961 |
| Assets per employee ($millions) | 5.1777% | 2,277 |
| Cash dividends to net income (ytd only)* | 64.7249% | 1,262 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5027% | 1,268 |
| Loan loss allowance to noncurrent loans | 169.4870% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 2,124 |
| Noncurrent loans to loans | 0.8866% | 1,836 |
| Net loans and leases to total assets | 70.8898% | 2,409 |
| Net loans and leases to deposits | 82.5988% | 2,666 |
| Net loans and leases to core deposits | 96.1905% | 2,050 |
| Total domestic deposits to total assets | 85.8242% | 2,126 |
| Equity capital to assets | 9.1790% | 4,674 |
| Core capital (leverage) ratio | 9.2989% | 4,358 |
| Tier 1 risk-based capital ratio | 11.3990% | 4,733 |
| Total risk-based capital ratio | 12.6502% | 4,630 |
| Memoranda: |
| Average total assets | $1,306,445,330 | 615 |
| Average earning assets | $1,228,672,670 | 602 |
| Average equity | $118,996,670 | 754 |
| Average total loans | $940,486,670 | 609 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3439% | 3,425 |
| Cost of funding earning assets | 0.9568% | 1,762 |
| Net interest margin | 3.3870% | 3,921 |
| Noninterest income to average assets | 0.4670% | 2,752 |
| Noninterest expense to average assets | 2.5505% | 3,372 |
| Loan and lease loss provision to assets | 0.0465% | 2,719 |
| Net operating income to assets | 1.0028% | 2,827 |
| Return on assets (ROA) | 1.0028% | 2,869 |
| Pretax return on assets | 1.0540% | 3,276 |
| Return on Equity (ROE) | 11.0544% | 1,928 |
| Retained earnings to average equity (ytd only) | 4.2138% | 3,233 |
| Net charge-offs to loans | 0.0017% | 2,702 |
| Credit loss provision to net charge-offs | 3,750.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 886.7500% | 62 |
| Efficiency ratio | 69.8564% | 2,363 |
| Assets per employee ($millions) | 5.1367% | 2,353 |
| Cash dividends to net income (ytd only)* | 61.8812% | 1,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5174% | 1,279 |
| Loan loss allowance to noncurrent loans | 226.0177% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 2,655 |
| Noncurrent loans to loans | 0.6714% | 2,335 |
| Net loans and leases to total assets | 71.2574% | 2,292 |
| Net loans and leases to deposits | 84.4084% | 2,338 |
| Net loans and leases to core deposits | 93.9297% | 2,126 |
| Total domestic deposits to total assets | 84.4198% | 2,888 |
| Equity capital to assets | 9.1644% | 4,565 |
| Core capital (leverage) ratio | 9.5078% | 4,125 |
| Tier 1 risk-based capital ratio | 11.5436% | 4,722 |
| Total risk-based capital ratio | 12.7950% | 4,606 |
| Memoranda: |
| Average total assets | $1,289,150,500 | 623 |
| Average earning assets | $1,211,913,000 | 609 |
| Average equity | $116,948,500 | 761 |
| Average total loans | $928,150,000 | 622 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2105% | 3,409 |
| Cost of funding earning assets | 0.7699% | 1,688 |
| Net interest margin | 3.4406% | 3,880 |
| Noninterest income to average assets | 0.4988% | 2,842 |
| Noninterest expense to average assets | 2.5676% | 3,419 |
| Loan and lease loss provision to assets | 0.0466% | 3,252 |
| Net operating income to assets | 1.0664% | 2,730 |
| Return on assets (ROA) | 1.0707% | 2,699 |
| Pretax return on assets | 1.1252% | 3,186 |
| Return on Equity (ROE) | 12.3989% | 1,582 |
| Retained earnings to average equity (ytd only) | 3.4011% | 3,721 |
| Net charge-offs to loans | 0.0085% | 3,388 |
| Credit loss provision to net charge-offs | 789.4737% | 451 |
| Earnings coverage of net charge-offs (x) | 197.6974% | 461 |
| Efficiency ratio | 68.7462% | 2,424 |
| Assets per employee ($millions) | 5.1148% | 2,365 |
| Cash dividends to net income (ytd only)* | 72.5689% | 968 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5543% | 1,133 |
| Loan loss allowance to noncurrent loans | 252.7902% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 2,791 |
| Noncurrent loans to loans | 0.6148% | 2,441 |
| Net loans and leases to total assets | 70.5166% | 2,496 |
| Net loans and leases to deposits | 81.4359% | 2,799 |
| Net loans and leases to core deposits | 91.5085% | 2,452 |
| Total domestic deposits to total assets | 86.5915% | 1,968 |
| Equity capital to assets | 8.9769% | 4,600 |
| Core capital (leverage) ratio | 9.3752% | 4,267 |
| Tier 1 risk-based capital ratio | 11.7291% | 4,608 |
| Total risk-based capital ratio | 12.9807% | 4,483 |
| Memoranda: |
| Average total assets | $1,287,064,000 | 608 |
| Average earning assets | $1,210,562,000 | 593 |
| Average equity | $111,139,000 | 771 |
| Average total loans | $891,427,400 | 620 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1500% | 3,460 |
| Cost of funding earning assets | 0.7314% | 1,674 |
| Net interest margin | 3.4186% | 3,949 |
| Noninterest income to average assets | 0.4881% | 2,931 |
| Noninterest expense to average assets | 2.6007% | 3,278 |
| Loan and lease loss provision to assets | 0.0465% | 3,054 |
| Net operating income to assets | 1.0071% | 3,054 |
| Return on assets (ROA) | 1.0127% | 3,040 |
| Pretax return on assets | 1.0642% | 3,523 |
| Return on Equity (ROE) | 11.8429% | 1,855 |
| Retained earnings to average equity (ytd only) | 0.9679% | 4,860 |
| Net charge-offs to loans | 0.0125% | 2,972 |
| Credit loss provision to net charge-offs | 542.1687% | 653 |
| Earnings coverage of net charge-offs (x) | 128.8359% | 622 |
| Efficiency ratio | 70.1846% | 2,163 |
| Assets per employee ($millions) | 5.1718% | 2,250 |
| Cash dividends to net income (ytd only)* | 91.8274% | 355 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5788% | 1,125 |
| Loan loss allowance to noncurrent loans | 248.9702% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 2,858 |
| Noncurrent loans to loans | 0.6341% | 2,496 |
| Net loans and leases to total assets | 68.1532% | 2,907 |
| Net loans and leases to deposits | 81.7671% | 2,844 |
| Net loans and leases to core deposits | 91.5441% | 2,523 |
| Total domestic deposits to total assets | 83.3504% | 3,182 |
| Equity capital to assets | 8.4287% | 4,970 |
| Core capital (leverage) ratio | 9.1468% | 4,568 |
| Tier 1 risk-based capital ratio | 11.8100% | 4,599 |
| Total risk-based capital ratio | 13.0620% | 4,491 |
| Memoranda: |
| Average total assets | $1,290,436,500 | 609 |
| Average earning assets | $1,214,484,250 | 591 |
| Average equity | $110,342,000 | 773 |
| Average total loans | $886,219,250 | 619 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0909% | 3,481 |
| Cost of funding earning assets | 0.6856% | 1,708 |
| Net interest margin | 3.4053% | 3,938 |
| Noninterest income to average assets | 0.4895% | 2,918 |
| Noninterest expense to average assets | 2.5752% | 3,399 |
| Loan and lease loss provision to assets | 0.0464% | 2,974 |
| Net operating income to assets | 1.0237% | 2,918 |
| Return on assets (ROA) | 1.0213% | 2,930 |
| Pretax return on assets | 1.0733% | 3,420 |
| Return on Equity (ROE) | 11.8880% | 1,764 |
| Retained earnings to average equity (ytd only) | -2.5151% | 5,187 |
| Net charge-offs to loans | 0.0054% | 2,966 |
| Credit loss provision to net charge-offs | 1,250.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 302.2917% | 302 |
| Efficiency ratio | 69.6465% | 2,374 |
| Assets per employee ($millions) | 5.1764% | 2,217 |
| Cash dividends to net income (ytd only)* | 121.1570% | 229 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5638% | 1,200 |
| Loan loss allowance to noncurrent loans | 262.5518% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 3,052 |
| Noncurrent loans to loans | 0.5956% | 2,634 |
| Net loans and leases to total assets | 68.5864% | 2,773 |
| Net loans and leases to deposits | 80.2467% | 2,922 |
| Net loans and leases to core deposits | 90.8097% | 2,504 |
| Total domestic deposits to total assets | 85.4695% | 2,509 |
| Equity capital to assets | 8.4305% | 4,993 |
| Core capital (leverage) ratio | 8.8991% | 4,789 |
| Tier 1 risk-based capital ratio | 11.6086% | 4,738 |
| Total risk-based capital ratio | 12.8604% | 4,615 |
| Memoranda: |
| Average total assets | $1,293,048,000 | 605 |
| Average earning assets | $1,218,115,330 | 588 |
| Average equity | $111,087,000 | 765 |
| Average total loans | $885,573,670 | 620 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9777% | 3,700 |
| Cost of funding earning assets | 0.6475% | 1,730 |
| Net interest margin | 3.3303% | 4,103 |
| Noninterest income to average assets | 0.4888% | 2,874 |
| Noninterest expense to average assets | 2.5471% | 3,501 |
| Loan and lease loss provision to assets | 0.0461% | 2,842 |
| Net operating income to assets | 0.9795% | 2,943 |
| Return on assets (ROA) | 0.9749% | 2,995 |
| Pretax return on assets | 1.0247% | 3,451 |
| Return on Equity (ROE) | 11.2440% | 1,873 |
| Retained earnings to average equity (ytd only) | 4.1478% | 3,538 |
| Net charge-offs to loans | 0.0131% | 2,289 |
| Credit loss provision to net charge-offs | 517.2414% | 568 |
| Earnings coverage of net charge-offs (x) | 120.5862% | 524 |
| Efficiency ratio | 70.3006% | 2,440 |
| Assets per employee ($millions) | 5.4627% | 1,975 |
| Cash dividends to net income (ytd only)* | 63.1114% | 1,176 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5641% | 1,241 |
| Loan loss allowance to noncurrent loans | 2,532.3529% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 4,886 |
| Noncurrent loans to loans | 0.0618% | 4,702 |
| Net loans and leases to total assets | 66.4054% | 2,975 |
| Net loans and leases to deposits | 77.7818% | 3,043 |
| Net loans and leases to core deposits | 88.1222% | 2,620 |
| Total domestic deposits to total assets | 85.3739% | 2,796 |
| Equity capital to assets | 8.5280% | 4,947 |
| Core capital (leverage) ratio | 9.2128% | 4,417 |
| Tier 1 risk-based capital ratio | 12.0335% | 4,528 |
| Total risk-based capital ratio | 13.2854% | 4,417 |
| Memoranda: |
| Average total assets | $1,300,283,500 | 606 |
| Average earning assets | $1,223,809,500 | 590 |
| Average equity | $112,735,500 | 757 |
| Average total loans | $882,930,000 | 624 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9871% | 3,444 |
| Cost of funding earning assets | 0.5512% | 1,943 |
| Net interest margin | 3.4359% | 3,733 |
| Noninterest income to average assets | 0.4959% | 3,027 |
| Noninterest expense to average assets | 2.5071% | 3,760 |
| Loan and lease loss provision to assets | 0.0495% | 3,234 |
| Net operating income to assets | 1.1153% | 1,809 |
| Return on assets (ROA) | 1.1188% | 1,823 |
| Pretax return on assets | 1.1738% | 2,877 |
| Return on Equity (ROE) | 12.1925% | 1,158 |
| Retained earnings to average equity (ytd only) | 5.8980% | 1,593 |
| Net charge-offs to loans | 0.0199% | 3,440 |
| Credit loss provision to net charge-offs | 357.1429% | 827 |
| Earnings coverage of net charge-offs (x) | 87.9881% | 708 |
| Efficiency ratio | 67.2718% | 3,039 |
| Assets per employee ($millions) | 5.4411% | 1,996 |
| Cash dividends to net income (ytd only)* | 51.6262% | 2,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5428% | 1,288 |
| Loan loss allowance to noncurrent loans | 3,124.7140% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,955 |
| Noncurrent loans to loans | 0.0494% | 4,769 |
| Net loans and leases to total assets | 67.2944% | 2,914 |
| Net loans and leases to deposits | 79.7539% | 2,941 |
| Net loans and leases to core deposits | 89.7599% | 2,588 |
| Total domestic deposits to total assets | 84.3775% | 3,075 |
| Equity capital to assets | 8.8133% | 4,887 |
| Core capital (leverage) ratio | 9.1462% | 4,466 |
| Tier 1 risk-based capital ratio | 11.8739% | 4,614 |
| Total risk-based capital ratio | 13.1256% | 4,496 |
| Memoranda: |
| Average total assets | $1,211,929,800 | 620 |
| Average earning assets | $1,139,623,200 | 611 |
| Average equity | $111,207,400 | 739 |
| Average total loans | $843,901,600 | 622 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9737% | 3,451 |
| Cost of funding earning assets | 0.5306% | 2,028 |
| Net interest margin | 3.4431% | 3,699 |
| Noninterest income to average assets | 0.5041% | 3,006 |
| Noninterest expense to average assets | 2.5202% | 3,666 |
| Loan and lease loss provision to assets | 0.0504% | 3,084 |
| Net operating income to assets | 1.1198% | 1,995 |
| Return on assets (ROA) | 1.1228% | 2,047 |
| Pretax return on assets | 1.1761% | 3,000 |
| Return on Equity (ROE) | 12.1060% | 1,314 |
| Retained earnings to average equity (ytd only) | 4.8649% | 2,977 |
| Net charge-offs to loans | 0.0216% | 3,039 |
| Credit loss provision to net charge-offs | 333.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 80.9536% | 805 |
| Efficiency ratio | 67.3215% | 2,995 |
| Assets per employee ($millions) | 5.4656% | 1,957 |
| Cash dividends to net income (ytd only)* | 59.8146% | 1,353 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5734% | 1,295 |
| Loan loss allowance to noncurrent loans | 432.6622% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,038 |
| Noncurrent loans to loans | 0.3637% | 3,649 |
| Net loans and leases to total assets | 68.2577% | 2,803 |
| Net loans and leases to deposits | 81.6341% | 2,814 |
| Net loans and leases to core deposits | 90.5939% | 2,559 |
| Total domestic deposits to total assets | 83.6142% | 3,254 |
| Equity capital to assets | 9.2263% | 4,704 |
| Core capital (leverage) ratio | 9.3585% | 4,338 |
| Tier 1 risk-based capital ratio | 12.0363% | 4,583 |
| Total risk-based capital ratio | 13.2885% | 4,478 |
| Memoranda: |
| Average total assets | $1,191,167,250 | 630 |
| Average earning assets | $1,120,662,250 | 617 |
| Average equity | $110,476,750 | 747 |
| Average total loans | $833,601,000 | 632 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9343% | 3,435 |
| Cost of funding earning assets | 0.5066% | 2,119 |
| Net interest margin | 3.4277% | 3,672 |
| Noninterest income to average assets | 0.4984% | 3,039 |
| Noninterest expense to average assets | 2.5553% | 3,564 |
| Loan and lease loss provision to assets | 0.0511% | 2,964 |
| Net operating income to assets | 1.0640% | 2,147 |
| Return on assets (ROA) | 1.0650% | 2,186 |
| Pretax return on assets | 1.1190% | 3,093 |
| Return on Equity (ROE) | 11.4618% | 1,473 |
| Retained earnings to average equity (ytd only) | 2.2997% | 4,303 |
| Net charge-offs to loans | 0.0395% | 2,413 |
| Credit loss provision to net charge-offs | 184.0491% | 1,343 |
| Earnings coverage of net charge-offs (x) | 42.1227% | 1,211 |
| Efficiency ratio | 68.6111% | 2,905 |
| Assets per employee ($millions) | 5.2865% | 2,072 |
| Cash dividends to net income (ytd only)* | 79.9361% | 859 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5596% | 1,361 |
| Loan loss allowance to noncurrent loans | 353.8136% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 3,811 |
| Noncurrent loans to loans | 0.4408% | 3,432 |
| Net loans and leases to total assets | 69.9615% | 2,533 |
| Net loans and leases to deposits | 84.4393% | 2,412 |
| Net loans and leases to core deposits | 91.2996% | 2,394 |
| Total domestic deposits to total assets | 82.8542% | 3,609 |
| Equity capital to assets | 9.3154% | 4,603 |
| Core capital (leverage) ratio | 9.3418% | 4,309 |
| Tier 1 risk-based capital ratio | 11.8663% | 4,720 |
| Total risk-based capital ratio | 13.1184% | 4,609 |
| Memoranda: |
| Average total assets | $1,174,655,670 | 638 |
| Average earning assets | $1,105,517,670 | 625 |
| Average equity | $109,145,330 | 752 |
| Average total loans | $824,663,670 | 642 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8486% | 3,588 |
| Cost of funding earning assets | 0.4824% | 2,231 |
| Net interest margin | 3.3662% | 3,781 |
| Noninterest income to average assets | 0.4875% | 3,061 |
| Noninterest expense to average assets | 2.5222% | 3,736 |
| Loan and lease loss provision to assets | 0.0518% | 2,774 |
| Net operating income to assets | 1.0251% | 2,194 |
| Return on assets (ROA) | 1.0251% | 2,249 |
| Pretax return on assets | 1.0799% | 3,061 |
| Return on Equity (ROE) | 11.0469% | 1,540 |
| Retained earnings to average equity (ytd only) | 3.6104% | 3,633 |
| Net charge-offs to loans | 0.0010% | 2,928 |
| Credit loss provision to net charge-offs | 7,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,640.0000% | 21 |
| Efficiency ratio | 69.0274% | 3,040 |
| Assets per employee ($millions) | 5.0107% | 2,430 |
| Cash dividends to net income (ytd only)* | 67.3174% | 1,223 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6360% | 1,296 |
| Loan loss allowance to noncurrent loans | 482.5334% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 4,095 |
| Noncurrent loans to loans | 0.3390% | 3,883 |
| Net loans and leases to total assets | 68.5638% | 2,595 |
| Net loans and leases to deposits | 80.1536% | 2,731 |
| Net loans and leases to core deposits | 85.8119% | 2,735 |
| Total domestic deposits to total assets | 85.5405% | 2,869 |
| Equity capital to assets | 9.3145% | 4,495 |
| Core capital (leverage) ratio | 9.6512% | 3,922 |
| Tier 1 risk-based capital ratio | 12.2131% | 4,571 |
| Total risk-based capital ratio | 13.4659% | 4,471 |
| Memoranda: |
| Average total assets | $1,159,321,000 | 647 |
| Average earning assets | $1,090,484,500 | 636 |
| Average equity | $107,577,500 | 761 |
| Average total loans | $808,684,000 | 655 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8775% | 3,652 |
| Cost of funding earning assets | 0.5396% | 1,796 |
| Net interest margin | 3.3379% | 4,035 |
| Noninterest income to average assets | 0.5271% | 3,044 |
| Noninterest expense to average assets | 2.4476% | 4,171 |
| Loan and lease loss provision to assets | 0.0526% | 3,335 |
| Net operating income to assets | 1.1042% | 1,889 |
| Return on assets (ROA) | 1.1123% | 1,944 |
| Pretax return on assets | 1.1700% | 2,810 |
| Return on Equity (ROE) | 11.8086% | 1,304 |
| Retained earnings to average equity (ytd only) | 6.6878% | 1,363 |
| Net charge-offs to loans | 0.0448% | 3,145 |
| Credit loss provision to net charge-offs | 173.4104% | 1,604 |
| Earnings coverage of net charge-offs (x) | 40.0116% | 1,176 |
| Efficiency ratio | 66.8431% | 3,457 |
| Assets per employee ($millions) | 4.9616% | 2,435 |
| Cash dividends to net income (ytd only)* | 43.3651% | 2,689 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6527% | 1,247 |
| Loan loss allowance to noncurrent loans | 538.3958% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 4,222 |
| Noncurrent loans to loans | 0.3070% | 4,039 |
| Net loans and leases to total assets | 68.6532% | 2,674 |
| Net loans and leases to deposits | 81.0240% | 2,777 |
| Net loans and leases to core deposits | 85.2443% | 2,909 |
| Total domestic deposits to total assets | 84.7320% | 3,162 |
| Equity capital to assets | 9.2434% | 4,522 |
| Core capital (leverage) ratio | 9.5194% | 4,056 |
| Tier 1 risk-based capital ratio | 12.3539% | 4,472 |
| Total risk-based capital ratio | 13.6068% | 4,357 |
| Memoranda: |
| Average total assets | $1,140,259,400 | 629 |
| Average earning assets | $1,070,825,800 | 617 |
| Average equity | $107,404,800 | 743 |
| Average total loans | $772,868,400 | 648 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8686% | 3,701 |
| Cost of funding earning assets | 0.5465% | 1,733 |
| Net interest margin | 3.3221% | 4,122 |
| Noninterest income to average assets | 0.5332% | 3,028 |
| Noninterest expense to average assets | 2.4484% | 4,139 |
| Loan and lease loss provision to assets | 0.0527% | 3,206 |
| Net operating income to assets | 1.0972% | 2,008 |
| Return on assets (ROA) | 1.1076% | 2,069 |
| Pretax return on assets | 1.1645% | 2,986 |
| Return on Equity (ROE) | 11.7036% | 1,416 |
| Retained earnings to average equity (ytd only) | 6.1363% | 2,103 |
| Net charge-offs to loans | 0.0421% | 2,800 |
| Credit loss provision to net charge-offs | 185.9504% | 1,511 |
| Earnings coverage of net charge-offs (x) | 42.5742% | 1,187 |
| Efficiency ratio | 66.9934% | 3,425 |
| Assets per employee ($millions) | 5.0368% | 2,324 |
| Cash dividends to net income (ytd only)* | 47.5687% | 2,008 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6838% | 1,258 |
| Loan loss allowance to noncurrent loans | 376.1633% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 4,029 |
| Noncurrent loans to loans | 0.4476% | 3,674 |
| Net loans and leases to total assets | 67.5914% | 2,858 |
| Net loans and leases to deposits | 80.4506% | 2,912 |
| Net loans and leases to core deposits | 85.2848% | 3,013 |
| Total domestic deposits to total assets | 84.0160% | 3,207 |
| Equity capital to assets | 9.7956% | 4,363 |
| Core capital (leverage) ratio | 9.5168% | 4,155 |
| Tier 1 risk-based capital ratio | 12.4994% | 4,478 |
| Total risk-based capital ratio | 13.7529% | 4,373 |
| Memoranda: |
| Average total assets | $1,138,792,250 | 632 |
| Average earning assets | $1,070,023,250 | 617 |
| Average equity | $107,770,750 | 746 |
| Average total loans | $766,066,250 | 649 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8559% | 3,755 |
| Cost of funding earning assets | 0.5402% | 1,779 |
| Net interest margin | 3.3158% | 4,173 |
| Noninterest income to average assets | 0.5156% | 3,092 |
| Noninterest expense to average assets | 2.4282% | 4,237 |
| Loan and lease loss provision to assets | 0.0527% | 3,092 |
| Net operating income to assets | 1.1001% | 1,954 |
| Return on assets (ROA) | 1.1154% | 2,018 |
| Pretax return on assets | 1.1702% | 2,902 |
| Return on Equity (ROE) | 11.9257% | 1,351 |
| Retained earnings to average equity (ytd only) | 5.3546% | 2,514 |
| Net charge-offs to loans | 0.0639% | 2,285 |
| Credit loss provision to net charge-offs | 123.4568% | 1,821 |
| Earnings coverage of net charge-offs (x) | 28.2798% | 1,434 |
| Efficiency ratio | 66.8019% | 3,567 |
| Assets per employee ($millions) | 5.1069% | 2,191 |
| Cash dividends to net income (ytd only)* | 55.1008% | 1,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6938% | 1,286 |
| Loan loss allowance to noncurrent loans | 1,279.5678% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 5,004 |
| Noncurrent loans to loans | 0.1324% | 4,908 |
| Net loans and leases to total assets | 66.0898% | 3,066 |
| Net loans and leases to deposits | 79.2204% | 3,032 |
| Net loans and leases to core deposits | 83.3624% | 3,137 |
| Total domestic deposits to total assets | 83.4253% | 3,496 |
| Equity capital to assets | 9.5365% | 4,725 |
| Core capital (leverage) ratio | 9.2794% | 4,485 |
| Tier 1 risk-based capital ratio | 12.4319% | 4,573 |
| Total risk-based capital ratio | 13.6854% | 4,483 |
| Memoranda: |
| Average total assets | $1,138,951,330 | 634 |
| Average earning assets | $1,071,491,670 | 618 |
| Average equity | $106,526,000 | 753 |
| Average total loans | $760,561,670 | 653 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8384% | 3,814 |
| Cost of funding earning assets | 0.5351% | 1,826 |
| Net interest margin | 3.3033% | 4,209 |
| Noninterest income to average assets | 0.5185% | 3,001 |
| Noninterest expense to average assets | 2.4012% | 4,369 |
| Loan and lease loss provision to assets | 0.0528% | 2,883 |
| Net operating income to assets | 1.1146% | 1,851 |
| Return on assets (ROA) | 1.1203% | 1,931 |
| Pretax return on assets | 1.1752% | 2,801 |
| Return on Equity (ROE) | 12.0978% | 1,286 |
| Retained earnings to average equity (ytd only) | 4.4963% | 3,240 |
| Net charge-offs to loans | -0.0037% | 4,216 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2716% | 3,753 |
| Assets per employee ($millions) | 5.0575% | 2,280 |
| Cash dividends to net income (ytd only)* | 62.8338% | 1,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7334% | 1,277 |
| Loan loss allowance to noncurrent loans | 812.7554% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 4,888 |
| Noncurrent loans to loans | 0.2133% | 4,664 |
| Net loans and leases to total assets | 65.3928% | 3,047 |
| Net loans and leases to deposits | 77.4446% | 3,059 |
| Net loans and leases to core deposits | 80.7986% | 3,254 |
| Total domestic deposits to total assets | 84.4381% | 3,339 |
| Equity capital to assets | 9.3767% | 4,801 |
| Core capital (leverage) ratio | 9.2622% | 4,538 |
| Tier 1 risk-based capital ratio | 12.3460% | 4,696 |
| Total risk-based capital ratio | 13.5998% | 4,590 |
| Memoranda: |
| Average total assets | $1,136,452,500 | 640 |
| Average earning assets | $1,068,151,500 | 622 |
| Average equity | $105,242,500 | 763 |
| Average total loans | $756,312,500 | 660 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7968% | 4,050 |
| Cost of funding earning assets | 0.5445% | 1,810 |
| Net interest margin | 3.2524% | 4,468 |
| Noninterest income to average assets | 0.4395% | 3,750 |
| Noninterest expense to average assets | 2.3620% | 4,609 |
| Loan and lease loss provision to assets | 0.1584% | 1,465 |
| Net operating income to assets | 0.9226% | 2,743 |
| Return on assets (ROA) | 0.9301% | 2,793 |
| Pretax return on assets | 0.9777% | 3,551 |
| Return on Equity (ROE) | 10.2329% | 1,911 |
| Retained earnings to average equity (ytd only) | 1.5216% | 4,854 |
| Net charge-offs to loans | 0.1984% | 1,474 |
| Credit loss provision to net charge-offs | 121.1306% | 2,128 |
| Earnings coverage of net charge-offs (x) | 8.6292% | 2,924 |
| Efficiency ratio | 67.6766% | 3,631 |
| Assets per employee ($millions) | 4.9779% | 2,393 |
| Cash dividends to net income (ytd only)* | 85.1305% | 735 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7169% | 1,320 |
| Loan loss allowance to noncurrent loans | 394.3144% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 4,293 |
| Noncurrent loans to loans | 0.4354% | 3,906 |
| Net loans and leases to total assets | 65.4117% | 3,065 |
| Net loans and leases to deposits | 77.4026% | 3,115 |
| Net loans and leases to core deposits | 80.6616% | 3,280 |
| Total domestic deposits to total assets | 84.5084% | 3,282 |
| Equity capital to assets | 9.1442% | 4,977 |
| Core capital (leverage) ratio | 9.0502% | 4,817 |
| Tier 1 risk-based capital ratio | 12.1358% | 4,861 |
| Total risk-based capital ratio | 13.3893% | 4,764 |
| Memoranda: |
| Average total assets | $1,136,654,600 | 618 |
| Average earning assets | $1,066,147,000 | 601 |
| Average equity | $103,313,800 | 749 |
| Average total loans | $748,808,800 | 626 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7964% | 4,095 |
| Cost of funding earning assets | 0.5413% | 1,876 |
| Net interest margin | 3.2551% | 4,506 |
| Noninterest income to average assets | 0.4754% | 3,534 |
| Noninterest expense to average assets | 2.3433% | 4,669 |
| Loan and lease loss provision to assets | 0.1583% | 1,357 |
| Net operating income to assets | 0.9750% | 2,595 |
| Return on assets (ROA) | 0.9846% | 2,628 |
| Pretax return on assets | 1.0377% | 3,475 |
| Return on Equity (ROE) | 10.8490% | 1,767 |
| Retained earnings to average equity (ytd only) | 1.1589% | 5,250 |
| Net charge-offs to loans | 0.1156% | 1,972 |
| Credit loss provision to net charge-offs | 208.3333% | 1,297 |
| Earnings coverage of net charge-offs (x) | 15.6080% | 2,168 |
| Efficiency ratio | 66.3964% | 3,818 |
| Assets per employee ($millions) | 4.8373% | 2,506 |
| Cash dividends to net income (ytd only)* | 89.3176% | 538 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8008% | 1,262 |
| Loan loss allowance to noncurrent loans | 166.4424% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 2,752 |
| Noncurrent loans to loans | 1.0819% | 2,321 |
| Net loans and leases to total assets | 64.9025% | 3,172 |
| Net loans and leases to deposits | 77.2887% | 3,169 |
| Net loans and leases to core deposits | 80.7112% | 3,370 |
| Total domestic deposits to total assets | 83.9741% | 3,440 |
| Equity capital to assets | 9.2361% | 5,073 |
| Core capital (leverage) ratio | 9.1083% | 4,866 |
| Tier 1 risk-based capital ratio | 12.2828% | 4,900 |
| Total risk-based capital ratio | 13.5373% | 4,796 |
| Memoranda: |
| Average total assets | $1,137,076,000 | 626 |
| Average earning assets | $1,066,778,500 | 605 |
| Average equity | $103,196,250 | 754 |
| Average total loans | $747,168,250 | 628 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7883% | 4,103 |
| Cost of funding earning assets | 0.5313% | 1,969 |
| Net interest margin | 3.2570% | 4,470 |
| Noninterest income to average assets | 0.4786% | 3,510 |
| Noninterest expense to average assets | 2.2784% | 4,897 |
| Loan and lease loss provision to assets | 0.1576% | 1,350 |
| Net operating income to assets | 1.0510% | 2,138 |
| Return on assets (ROA) | 1.0623% | 2,198 |
| Pretax return on assets | 1.1142% | 3,113 |
| Return on Equity (ROE) | 11.7736% | 1,440 |
| Retained earnings to average equity (ytd only) | 0.1281% | 5,468 |
| Net charge-offs to loans | 0.1664% | 1,471 |
| Credit loss provision to net charge-offs | 144.4623% | 1,569 |
| Earnings coverage of net charge-offs (x) | 11.5474% | 2,284 |
| Efficiency ratio | 64.3932% | 4,291 |
| Assets per employee ($millions) | 5.0340% | 2,235 |
| Cash dividends to net income (ytd only)* | 98.9120% | 539 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7267% | 1,549 |
| Loan loss allowance to noncurrent loans | 237.0669% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7552% | 3,123 |
| Noncurrent loans to loans | 0.7283% | 3,298 |
| Net loans and leases to total assets | 65.2723% | 3,085 |
| Net loans and leases to deposits | 77.2390% | 3,127 |
| Net loans and leases to core deposits | 80.6358% | 3,316 |
| Total domestic deposits to total assets | 84.5069% | 3,342 |
| Equity capital to assets | 8.9561% | 5,279 |
| Core capital (leverage) ratio | 8.9107% | 5,080 |
| Tier 1 risk-based capital ratio | 12.0174% | 5,135 |
| Total risk-based capital ratio | 13.2710% | 5,035 |
| Memoranda: |
| Average total assets | $1,142,016,330 | 619 |
| Average earning assets | $1,072,836,330 | 605 |
| Average equity | $103,044,000 | 759 |
| Average total loans | $748,981,670 | 625 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7196% | 4,299 |
| Cost of funding earning assets | 0.5209% | 2,104 |
| Net interest margin | 3.1987% | 4,620 |
| Noninterest income to average assets | 0.4643% | 3,539 |
| Noninterest expense to average assets | 2.2617% | 4,966 |
| Loan and lease loss provision to assets | 0.1566% | 1,298 |
| Net operating income to assets | 1.0071% | 2,237 |
| Return on assets (ROA) | 1.0292% | 2,274 |
| Pretax return on assets | 1.0790% | 3,170 |
| Return on Equity (ROE) | 11.3654% | 1,530 |
| Retained earnings to average equity (ytd only) | 7.5218% | 1,754 |
| Net charge-offs to loans | -0.0117% | 4,791 |
| Credit loss provision to net charge-offs | -2,045.4545% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1037% | 4,300 |
| Assets per employee ($millions) | 5.0315% | 2,313 |
| Cash dividends to net income (ytd only)* | 33.8181% | 2,229 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7693% | 1,562 |
| Loan loss allowance to noncurrent loans | 289.4598% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 3,484 |
| Noncurrent loans to loans | 0.6112% | 3,739 |
| Net loans and leases to total assets | 63.2525% | 3,200 |
| Net loans and leases to deposits | 74.9933% | 3,162 |
| Net loans and leases to core deposits | 77.9046% | 3,389 |
| Total domestic deposits to total assets | 84.3442% | 3,679 |
| Equity capital to assets | 9.1908% | 5,098 |
| Core capital (leverage) ratio | 9.0976% | 4,846 |
| Tier 1 risk-based capital ratio | 12.3115% | 5,036 |
| Total risk-based capital ratio | 13.5653% | 4,947 |
| Memoranda: |
| Average total assets | $1,149,212,000 | 614 |
| Average earning assets | $1,081,308,000 | 595 |
| Average equity | $104,070,500 | 741 |
| Average total loans | $748,993,000 | 619 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8612% | 4,279 |
| Cost of funding earning assets | 0.5598% | 2,141 |
| Net interest margin | 3.3014% | 4,559 |
| Noninterest income to average assets | 0.4283% | 3,983 |
| Noninterest expense to average assets | 2.3078% | 5,095 |
| Loan and lease loss provision to assets | 0.2479% | 928 |
| Net operating income to assets | 0.9237% | 2,758 |
| Return on assets (ROA) | 0.9257% | 2,837 |
| Pretax return on assets | 0.9751% | 3,595 |
| Return on Equity (ROE) | 10.6250% | 1,849 |
| Retained earnings to average equity (ytd only) | 4.1875% | 3,217 |
| Net charge-offs to loans | 0.1510% | 2,524 |
| Credit loss provision to net charge-offs | 256.8266% | 996 |
| Earnings coverage of net charge-offs (x) | 12.6504% | 2,349 |
| Efficiency ratio | 65.4018% | 4,340 |
| Assets per employee ($millions) | 5.0717% | 2,234 |
| Cash dividends to net income (ytd only)* | 60.5886% | 1,711 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6738% | 1,846 |
| Loan loss allowance to noncurrent loans | 271.6831% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.7233% | 3,401 |
| Noncurrent loans to loans | 0.6161% | 3,836 |
| Net loans and leases to total assets | 64.8572% | 3,075 |
| Net loans and leases to deposits | 79.3887% | 2,797 |
| Net loans and leases to core deposits | 82.2031% | 3,081 |
| Total domestic deposits to total assets | 81.6958% | 4,529 |
| Equity capital to assets | 8.9202% | 5,364 |
| Core capital (leverage) ratio | 8.9176% | 5,099 |
| Tier 1 risk-based capital ratio | 12.2597% | 5,187 |
| Total risk-based capital ratio | 13.5132% | 5,100 |
| Memoranda: |
| Average total assets | $1,123,239,200 | 601 |
| Average earning assets | $1,054,821,400 | 580 |
| Average equity | $97,863,800 | 748 |
| Average total loans | $717,763,600 | 605 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8671% | 4,294 |
| Cost of funding earning assets | 0.5649% | 2,151 |
| Net interest margin | 3.3022% | 4,600 |
| Noninterest income to average assets | 0.4307% | 4,013 |
| Noninterest expense to average assets | 2.3134% | 5,072 |
| Loan and lease loss provision to assets | 0.1779% | 1,384 |
| Net operating income to assets | 0.9860% | 2,515 |
| Return on assets (ROA) | 0.9881% | 2,574 |
| Pretax return on assets | 1.0379% | 3,436 |
| Return on Equity (ROE) | 11.4111% | 1,656 |
| Retained earnings to average equity (ytd only) | 5.4865% | 2,766 |
| Net charge-offs to loans | 0.0343% | 3,799 |
| Credit loss provision to net charge-offs | 819.2308% | 382 |
| Earnings coverage of net charge-offs (x) | 55.8847% | 911 |
| Efficiency ratio | 65.5932% | 4,276 |
| Assets per employee ($millions) | 4.7390% | 2,608 |
| Cash dividends to net income (ytd only)* | 51.9198% | 1,755 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6987% | 1,976 |
| Loan loss allowance to noncurrent loans | 249.7251% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 3,352 |
| Noncurrent loans to loans | 0.6802% | 3,909 |
| Net loans and leases to total assets | 63.7263% | 3,227 |
| Net loans and leases to deposits | 76.8304% | 3,090 |
| Net loans and leases to core deposits | 79.3980% | 3,390 |
| Total domestic deposits to total assets | 82.9442% | 4,167 |
| Equity capital to assets | 9.0704% | 5,276 |
| Core capital (leverage) ratio | 9.1168% | 4,905 |
| Tier 1 risk-based capital ratio | 12.7668% | 4,996 |
| Total risk-based capital ratio | 14.0205% | 4,905 |
| Memoranda: |
| Average total assets | $1,117,496,000 | 603 |
| Average earning assets | $1,047,793,250 | 582 |
| Average equity | $96,768,750 | 757 |
| Average total loans | $708,190,500 | 612 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8506% | 4,332 |
| Cost of funding earning assets | 0.5671% | 2,191 |
| Net interest margin | 3.2834% | 4,657 |
| Noninterest income to average assets | 0.3903% | 4,310 |
| Noninterest expense to average assets | 2.3345% | 5,071 |
| Loan and lease loss provision to assets | 0.1695% | 1,446 |
| Net operating income to assets | 0.9106% | 2,751 |
| Return on assets (ROA) | 0.9139% | 2,835 |
| Pretax return on assets | 0.9636% | 3,627 |
| Return on Equity (ROE) | 10.7222% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.4298% | 3,354 |
| Net charge-offs to loans | 0.0856% | 2,834 |
| Credit loss provision to net charge-offs | 314.9502% | 823 |
| Earnings coverage of net charge-offs (x) | 20.9934% | 1,563 |
| Efficiency ratio | 67.3909% | 4,136 |
| Assets per employee ($millions) | 4.6544% | 2,691 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6409% | 2,321 |
| Loan loss allowance to noncurrent loans | 427.9602% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6076% | 4,148 |
| Noncurrent loans to loans | 0.3834% | 4,844 |
| Net loans and leases to total assets | 62.7801% | 3,278 |
| Net loans and leases to deposits | 74.3869% | 3,281 |
| Net loans and leases to core deposits | 76.9020% | 3,547 |
| Total domestic deposits to total assets | 84.3967% | 3,778 |
| Equity capital to assets | 8.9268% | 5,382 |
| Core capital (leverage) ratio | 8.8016% | 5,273 |
| Tier 1 risk-based capital ratio | 12.8295% | 5,017 |
| Total risk-based capital ratio | 14.0826% | 4,952 |
| Memoranda: |
| Average total assets | $1,118,769,330 | 600 |
| Average earning assets | $1,047,375,670 | 581 |
| Average equity | $95,353,330 | 767 |
| Average total loans | $703,597,670 | 613 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7753% | 4,583 |
| Cost of funding earning assets | 0.5663% | 2,278 |
| Net interest margin | 3.2090% | 4,896 |
| Noninterest income to average assets | 0.3931% | 4,245 |
| Noninterest expense to average assets | 2.2977% | 5,199 |
| Loan and lease loss provision to assets | 0.1686% | 1,431 |
| Net operating income to assets | 0.8798% | 2,747 |
| Return on assets (ROA) | 0.8852% | 2,782 |
| Pretax return on assets | 0.9346% | 3,576 |
| Return on Equity (ROE) | 10.6340% | 1,804 |
| Retained earnings to average equity (ytd only) | 4.2228% | 3,598 |
| Net charge-offs to loans | 0.0342% | 2,916 |
| Credit loss provision to net charge-offs | 790.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 51.4167% | 740 |
| Efficiency ratio | 67.6726% | 4,230 |
| Assets per employee ($millions) | 5.0025% | 2,247 |
| Cash dividends to net income (ytd only)* | 60.2894% | 1,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6318% | 2,573 |
| Loan loss allowance to noncurrent loans | 315.7179% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 3,583 |
| Noncurrent loans to loans | 0.5169% | 4,620 |
| Net loans and leases to total assets | 60.0876% | 3,552 |
| Net loans and leases to deposits | 70.5878% | 3,526 |
| Net loans and leases to core deposits | 72.9635% | 3,765 |
| Total domestic deposits to total assets | 85.1246% | 3,812 |
| Equity capital to assets | 8.3442% | 5,786 |
| Core capital (leverage) ratio | 8.7570% | 5,317 |
| Tier 1 risk-based capital ratio | 12.6948% | 5,189 |
| Total risk-based capital ratio | 13.9477% | 5,126 |
| Memoranda: |
| Average total assets | $1,124,276,500 | 602 |
| Average earning assets | $1,051,793,500 | 584 |
| Average equity | $93,586,500 | 778 |
| Average total loans | $701,870,500 | 619 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8311% | 4,686 |
| Cost of funding earning assets | 0.6514% | 2,189 |
| Net interest margin | 3.1797% | 5,060 |
| Noninterest income to average assets | 0.5256% | 3,588 |
| Noninterest expense to average assets | 2.2890% | 5,414 |
| Loan and lease loss provision to assets | 0.1361% | 2,604 |
| Net operating income to assets | 1.0164% | 2,261 |
| Return on assets (ROA) | 1.0285% | 2,268 |
| Pretax return on assets | 1.0808% | 3,024 |
| Return on Equity (ROE) | 12.3672% | 1,314 |
| Retained earnings to average equity (ytd only) | 4.4167% | 3,029 |
| Net charge-offs to loans | 0.1919% | 2,931 |
| Credit loss provision to net charge-offs | 119.0846% | 2,007 |
| Earnings coverage of net charge-offs (x) | 10.5337% | 2,354 |
| Efficiency ratio | 65.5293% | 4,648 |
| Assets per employee ($millions) | 4.9463% | 2,245 |
| Cash dividends to net income (ytd only)* | 64.2869% | 1,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5496% | 2,960 |
| Loan loss allowance to noncurrent loans | 389.0625% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.8155% | 3,847 |
| Noncurrent loans to loans | 0.3983% | 5,015 |
| Net loans and leases to total assets | 62.8236% | 3,231 |
| Net loans and leases to deposits | 74.0851% | 3,242 |
| Net loans and leases to core deposits | 76.8547% | 3,511 |
| Total domestic deposits to total assets | 84.7992% | 3,847 |
| Equity capital to assets | 8.3035% | 5,776 |
| Core capital (leverage) ratio | 8.6485% | 5,479 |
| Tier 1 risk-based capital ratio | 12.4775% | 5,305 |
| Total risk-based capital ratio | 13.7294% | 5,253 |
| Memoranda: |
| Average total assets | $1,127,631,000 | 582 |
| Average earning assets | $1,052,380,200 | 563 |
| Average equity | $93,780,000 | 749 |
| Average total loans | $671,865,200 | 624 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8045% | 4,837 |
| Cost of funding earning assets | 0.6641% | 2,225 |
| Net interest margin | 3.1403% | 5,194 |
| Noninterest income to average assets | 0.5484% | 3,471 |
| Noninterest expense to average assets | 2.2527% | 5,472 |
| Loan and lease loss provision to assets | 0.1326% | 2,624 |
| Net operating income to assets | 1.0412% | 2,220 |
| Return on assets (ROA) | 1.0555% | 2,254 |
| Pretax return on assets | 1.1085% | 3,078 |
| Return on Equity (ROE) | 12.6871% | 1,319 |
| Retained earnings to average equity (ytd only) | 4.2592% | 3,649 |
| Net charge-offs to loans | 0.2451% | 2,344 |
| Credit loss provision to net charge-offs | 92.3708% | 2,573 |
| Earnings coverage of net charge-offs (x) | 8.5431% | 2,610 |
| Efficiency ratio | 64.7568% | 4,687 |
| Assets per employee ($millions) | 4.9676% | 2,207 |
| Cash dividends to net income (ytd only)* | 66.4287% | 1,214 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5772% | 3,111 |
| Loan loss allowance to noncurrent loans | 408.1507% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 3,827 |
| Noncurrent loans to loans | 0.3864% | 5,232 |
| Net loans and leases to total assets | 59.5340% | 3,771 |
| Net loans and leases to deposits | 70.1363% | 3,766 |
| Net loans and leases to core deposits | 72.9296% | 3,980 |
| Total domestic deposits to total assets | 84.8833% | 3,799 |
| Equity capital to assets | 8.2277% | 5,982 |
| Core capital (leverage) ratio | 8.6475% | 5,603 |
| Tier 1 risk-based capital ratio | 12.8137% | 5,251 |
| Total risk-based capital ratio | 14.0658% | 5,187 |
| Memoranda: |
| Average total assets | $1,132,544,500 | 585 |
| Average earning assets | $1,056,799,250 | 559 |
| Average equity | $94,224,750 | 751 |
| Average total loans | $663,074,750 | 634 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7593% | 4,961 |
| Cost of funding earning assets | 0.6763% | 2,250 |
| Net interest margin | 3.0830% | 5,325 |
| Noninterest income to average assets | 0.5980% | 3,206 |
| Noninterest expense to average assets | 2.2487% | 5,503 |
| Loan and lease loss provision to assets | 0.1310% | 2,680 |
| Net operating income to assets | 1.0480% | 2,121 |
| Return on assets (ROA) | 1.0708% | 2,150 |
| Pretax return on assets | 1.1208% | 3,011 |
| Return on Equity (ROE) | 12.8244% | 1,280 |
| Retained earnings to average equity (ytd only) | 3.0258% | 4,395 |
| Net charge-offs to loans | 0.0903% | 3,462 |
| Credit loss provision to net charge-offs | 250.3356% | 993 |
| Earnings coverage of net charge-offs (x) | 23.4732% | 1,328 |
| Efficiency ratio | 64.6771% | 4,759 |
| Assets per employee ($millions) | 4.7192% | 2,484 |
| Cash dividends to net income (ytd only)* | 76.4060% | 1,001 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6659% | 2,916 |
| Loan loss allowance to noncurrent loans | 380.9150% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9783% | 3,811 |
| Noncurrent loans to loans | 0.4373% | 5,170 |
| Net loans and leases to total assets | 59.3840% | 3,764 |
| Net loans and leases to deposits | 69.5087% | 3,785 |
| Net loans and leases to core deposits | 72.3409% | 4,003 |
| Total domestic deposits to total assets | 85.4340% | 3,676 |
| Equity capital to assets | 8.0518% | 6,162 |
| Core capital (leverage) ratio | 8.3735% | 5,798 |
| Tier 1 risk-based capital ratio | 12.6804% | 5,369 |
| Total risk-based capital ratio | 13.9334% | 5,308 |
| Memoranda: |
| Average total assets | $1,139,148,330 | 578 |
| Average earning assets | $1,063,717,330 | 558 |
| Average equity | $95,115,670 | 742 |
| Average total loans | $659,742,670 | 632 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6935% | 5,192 |
| Cost of funding earning assets | 0.6851% | 2,346 |
| Net interest margin | 3.0085% | 5,543 |
| Noninterest income to average assets | 0.5860% | 3,211 |
| Noninterest expense to average assets | 2.2277% | 5,618 |
| Loan and lease loss provision to assets | 0.1383% | 2,513 |
| Net operating income to assets | 0.9792% | 2,324 |
| Return on assets (ROA) | 1.0227% | 2,249 |
| Pretax return on assets | 1.0722% | 3,065 |
| Return on Equity (ROE) | 12.0417% | 1,411 |
| Retained earnings to average equity (ytd only) | 1.6200% | 5,175 |
| Net charge-offs to loans | 0.0403% | 3,470 |
| Credit loss provision to net charge-offs | 604.5455% | 447 |
| Earnings coverage of net charge-offs (x) | 50.9242% | 667 |
| Efficiency ratio | 65.6655% | 4,716 |
| Assets per employee ($millions) | 5.5716% | 1,601 |
| Cash dividends to net income (ytd only)* | 86.5469% | 794 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7012% | 3,005 |
| Loan loss allowance to noncurrent loans | 331.4920% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 3,741 |
| Noncurrent loans to loans | 0.5132% | 5,146 |
| Net loans and leases to total assets | 54.7904% | 4,276 |
| Net loans and leases to deposits | 63.9622% | 4,323 |
| Net loans and leases to core deposits | 66.6672% | 4,449 |
| Total domestic deposits to total assets | 85.6606% | 3,703 |
| Equity capital to assets | 8.3792% | 6,121 |
| Core capital (leverage) ratio | 8.1122% | 6,032 |
| Tier 1 risk-based capital ratio | 12.8984% | 5,301 |
| Total risk-based capital ratio | 14.1518% | 5,246 |
| Memoranda: |
| Average total assets | $1,154,219,000 | 572 |
| Average earning assets | $1,076,697,000 | 555 |
| Average equity | $98,026,000 | 740 |
| Average total loans | $654,749,000 | 640 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9941% | 5,329 |
| Cost of funding earning assets | 0.8500% | 2,289 |
| Net interest margin | 3.1440% | 5,710 |
| Noninterest income to average assets | 0.3507% | 4,960 |
| Noninterest expense to average assets | 2.0936% | 6,142 |
| Loan and lease loss provision to assets | 0.2451% | 2,696 |
| Net operating income to assets | 0.8953% | 2,847 |
| Return on assets (ROA) | 0.9121% | 2,993 |
| Pretax return on assets | 0.9582% | 3,710 |
| Return on Equity (ROE) | 10.5789% | 1,945 |
| Retained earnings to average equity (ytd only) | 3.1854% | 3,984 |
| Net charge-offs to loans | 0.3537% | 2,866 |
| Credit loss provision to net charge-offs | 122.7049% | 2,325 |
| Earnings coverage of net charge-offs (x) | 5.9364% | 2,911 |
| Efficiency ratio | 63.8456% | 4,912 |
| Assets per employee ($millions) | 5.2962% | 1,903 |
| Cash dividends to net income (ytd only)* | 69.8892% | 1,380 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6215% | 3,215 |
| Loan loss allowance to noncurrent loans | 343.1272% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2394% | 3,582 |
| Noncurrent loans to loans | 0.4726% | 5,346 |
| Net loans and leases to total assets | 56.7961% | 4,145 |
| Net loans and leases to deposits | 67.2893% | 4,085 |
| Net loans and leases to core deposits | 70.5684% | 4,223 |
| Total domestic deposits to total assets | 84.4059% | 4,126 |
| Equity capital to assets | 8.6085% | 5,959 |
| Core capital (leverage) ratio | 8.2458% | 5,944 |
| Tier 1 risk-based capital ratio | 12.5240% | 5,455 |
| Total risk-based capital ratio | 13.7763% | 5,409 |
| Memoranda: |
| Average total assets | $1,118,129,400 | 589 |
| Average earning assets | $1,041,471,200 | 565 |
| Average equity | $96,408,800 | 733 |
| Average total loans | $631,412,600 | 656 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0178% | 5,467 |
| Cost of funding earning assets | 0.8837% | 2,283 |
| Net interest margin | 3.1341% | 5,853 |
| Noninterest income to average assets | 0.4712% | 4,126 |
| Noninterest expense to average assets | 2.1026% | 6,156 |
| Loan and lease loss provision to assets | 0.1912% | 3,197 |
| Net operating income to assets | 1.0455% | 2,301 |
| Return on assets (ROA) | 1.0659% | 2,444 |
| Pretax return on assets | 1.1195% | 3,276 |
| Return on Equity (ROE) | 12.3567% | 1,511 |
| Retained earnings to average equity (ytd only) | 3.9474% | 4,104 |
| Net charge-offs to loans | 0.4505% | 2,305 |
| Credit loss provision to net charge-offs | 75.5808% | 3,751 |
| Earnings coverage of net charge-offs (x) | 5.0967% | 3,115 |
| Efficiency ratio | 61.9908% | 5,149 |
| Assets per employee ($millions) | 5.1801% | 1,956 |
| Cash dividends to net income (ytd only)* | 68.0545% | 989 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5664% | 3,666 |
| Loan loss allowance to noncurrent loans | 115.9703% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 1.6469% | 3,112 |
| Noncurrent loans to loans | 1.3507% | 3,769 |
| Net loans and leases to total assets | 54.6588% | 4,645 |
| Net loans and leases to deposits | 64.9450% | 4,603 |
| Net loans and leases to core deposits | 68.3269% | 4,694 |
| Total domestic deposits to total assets | 84.1617% | 4,144 |
| Equity capital to assets | 8.9344% | 5,885 |
| Core capital (leverage) ratio | 8.4544% | 5,817 |
| Tier 1 risk-based capital ratio | 13.2538% | 5,055 |
| Total risk-based capital ratio | 14.5055% | 5,016 |
| Memoranda: |
| Average total assets | $1,111,667,250 | 596 |
| Average earning assets | $1,035,924,750 | 571 |
| Average equity | $95,891,250 | 743 |
| Average total loans | $624,154,750 | 665 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0329% | 5,544 |
| Cost of funding earning assets | 0.8916% | 2,466 |
| Net interest margin | 3.1412% | 5,884 |
| Noninterest income to average assets | 0.4229% | 4,477 |
| Noninterest expense to average assets | 2.1171% | 6,202 |
| Loan and lease loss provision to assets | 0.1951% | 3,132 |
| Net operating income to assets | 0.9904% | 2,507 |
| Return on assets (ROA) | 0.9916% | 2,726 |
| Pretax return on assets | 1.0420% | 3,552 |
| Return on Equity (ROE) | 11.6342% | 1,794 |
| Retained earnings to average equity (ytd only) | 3.4218% | 4,323 |
| Net charge-offs to loans | 0.6060% | 1,803 |
| Credit loss provision to net charge-offs | 57.1429% | 3,873 |
| Earnings coverage of net charge-offs (x) | 3.6189% | 3,326 |
| Efficiency ratio | 63.1409% | 5,060 |
| Assets per employee ($millions) | 5.0851% | 2,049 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,067 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5291% | 3,879 |
| Loan loss allowance to noncurrent loans | 87.9202% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.6599% | 3,230 |
| Noncurrent loans to loans | 1.7392% | 3,295 |
| Net loans and leases to total assets | 54.5416% | 4,699 |
| Net loans and leases to deposits | 64.8077% | 4,661 |
| Net loans and leases to core deposits | 68.5036% | 4,727 |
| Total domestic deposits to total assets | 84.1591% | 4,250 |
| Equity capital to assets | 8.7218% | 6,001 |
| Core capital (leverage) ratio | 8.0911% | 6,173 |
| Tier 1 risk-based capital ratio | 13.3118% | 4,957 |
| Total risk-based capital ratio | 14.5632% | 4,924 |
| Memoranda: |
| Average total assets | $1,110,979,670 | 595 |
| Average earning assets | $1,036,287,330 | 570 |
| Average equity | $94,686,670 | 748 |
| Average total loans | $626,060,000 | 665 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0655% | 5,562 |
| Cost of funding earning assets | 0.9170% | 2,552 |
| Net interest margin | 3.1485% | 5,912 |
| Noninterest income to average assets | 0.5585% | 3,507 |
| Noninterest expense to average assets | 2.1543% | 6,144 |
| Loan and lease loss provision to assets | 0.1694% | 3,275 |
| Net operating income to assets | 1.1125% | 2,024 |
| Return on assets (ROA) | 1.1146% | 2,196 |
| Pretax return on assets | 1.1696% | 3,027 |
| Return on Equity (ROE) | 13.2312% | 1,340 |
| Retained earnings to average equity (ytd only) | -1.0631% | 6,164 |
| Net charge-offs to loans | 0.1183% | 3,403 |
| Credit loss provision to net charge-offs | 251.8717% | 1,131 |
| Earnings coverage of net charge-offs (x) | 19.8770% | 1,211 |
| Efficiency ratio | 61.7080% | 5,325 |
| Assets per employee ($millions) | 5.3514% | 1,834 |
| Cash dividends to net income (ytd only)* | 108.0348% | 487 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6970% | 3,362 |
| Loan loss allowance to noncurrent loans | 76.6801% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.9594% | 2,961 |
| Noncurrent loans to loans | 2.2131% | 2,906 |
| Net loans and leases to total assets | 53.5405% | 4,799 |
| Net loans and leases to deposits | 63.2356% | 4,736 |
| Net loans and leases to core deposits | 66.9147% | 4,811 |
| Total domestic deposits to total assets | 84.6684% | 4,176 |
| Equity capital to assets | 8.2488% | 6,315 |
| Core capital (leverage) ratio | 8.0935% | 6,167 |
| Tier 1 risk-based capital ratio | 12.9062% | 5,277 |
| Total risk-based capital ratio | 14.1497% | 5,259 |
| Memoranda: |
| Average total assets | $1,112,195,500 | 596 |
| Average earning assets | $1,035,931,500 | 571 |
| Average equity | $93,687,500 | 750 |
| Average total loans | $632,085,500 | 659 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5005% | 5,069 |
| Cost of funding earning assets | 1.1312% | 2,460 |
| Net interest margin | 3.3693% | 5,585 |
| Noninterest income to average assets | 0.5113% | 3,771 |
| Noninterest expense to average assets | 2.2194% | 6,230 |
| Loan and lease loss provision to assets | 0.4558% | 2,318 |
| Net operating income to assets | 0.8884% | 2,652 |
| Return on assets (ROA) | 0.9577% | 2,508 |
| Pretax return on assets | 1.0063% | 3,222 |
| Return on Equity (ROE) | 11.3635% | 1,598 |
| Retained earnings to average equity (ytd only) | 3.5056% | 3,730 |
| Net charge-offs to loans | 0.6358% | 2,551 |
| Credit loss provision to net charge-offs | 119.3462% | 2,676 |
| Earnings coverage of net charge-offs (x) | 3.6372% | 3,444 |
| Efficiency ratio | 61.5043% | 5,534 |
| Assets per employee ($millions) | 5.1169% | 2,039 |
| Cash dividends to net income (ytd only)* | 69.1507% | 1,175 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5786% | 3,663 |
| Loan loss allowance to noncurrent loans | 74.7071% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 2.0324% | 2,917 |
| Noncurrent loans to loans | 2.1130% | 3,052 |
| Net loans and leases to total assets | 58.3605% | 4,306 |
| Net loans and leases to deposits | 69.5967% | 4,173 |
| Net loans and leases to core deposits | 73.4727% | 4,307 |
| Total domestic deposits to total assets | 83.8552% | 4,377 |
| Equity capital to assets | 8.6057% | 6,009 |
| Core capital (leverage) ratio | 8.2075% | 5,984 |
| Tier 1 risk-based capital ratio | 12.5195% | 5,430 |
| Total risk-based capital ratio | 13.7716% | 5,419 |
| Memoranda: |
| Average total assets | $1,073,258,200 | 608 |
| Average earning assets | $986,587,200 | 598 |
| Average equity | $90,456,200 | 745 |
| Average total loans | $644,678,000 | 639 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5584% | 5,047 |
| Cost of funding earning assets | 1.1642% | 2,538 |
| Net interest margin | 3.3941% | 5,598 |
| Noninterest income to average assets | 0.5112% | 3,789 |
| Noninterest expense to average assets | 2.2615% | 6,141 |
| Loan and lease loss provision to assets | 0.5138% | 1,928 |
| Net operating income to assets | 0.8077% | 3,121 |
| Return on assets (ROA) | 0.8991% | 2,889 |
| Pretax return on assets | 0.9449% | 3,602 |
| Return on Equity (ROE) | 10.7248% | 1,947 |
| Retained earnings to average equity (ytd only) | 1.7570% | 5,265 |
| Net charge-offs to loans | 0.6879% | 2,195 |
| Credit loss provision to net charge-offs | 123.9471% | 2,597 |
| Earnings coverage of net charge-offs (x) | 3.2870% | 3,501 |
| Efficiency ratio | 62.4019% | 5,349 |
| Assets per employee ($millions) | 5.0332% | 2,149 |
| Cash dividends to net income (ytd only)* | 83.6177% | 539 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6046% | 3,641 |
| Loan loss allowance to noncurrent loans | 85.1836% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.9095% | 3,254 |
| Noncurrent loans to loans | 1.8837% | 3,527 |
| Net loans and leases to total assets | 58.0997% | 4,498 |
| Net loans and leases to deposits | 69.0704% | 4,440 |
| Net loans and leases to core deposits | 73.5950% | 4,513 |
| Total domestic deposits to total assets | 84.1166% | 4,177 |
| Equity capital to assets | 8.5815% | 6,220 |
| Core capital (leverage) ratio | 8.2706% | 6,021 |
| Tier 1 risk-based capital ratio | 12.4800% | 5,501 |
| Total risk-based capital ratio | 13.7271% | 5,501 |
| Memoranda: |
| Average total assets | $1,069,098,000 | 620 |
| Average earning assets | $980,526,000 | 610 |
| Average equity | $89,622,000 | 756 |
| Average total loans | $644,279,500 | 649 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6376% | 4,805 |
| Cost of funding earning assets | 1.1910% | 2,636 |
| Net interest margin | 3.4466% | 5,382 |
| Noninterest income to average assets | 0.4623% | 4,166 |
| Noninterest expense to average assets | 2.2398% | 6,275 |
| Loan and lease loss provision to assets | 0.6352% | 1,509 |
| Net operating income to assets | 0.7011% | 3,543 |
| Return on assets (ROA) | 0.8385% | 3,015 |
| Pretax return on assets | 0.8803% | 3,712 |
| Return on Equity (ROE) | 10.0828% | 2,093 |
| Retained earnings to average equity (ytd only) | -0.4668% | 5,951 |
| Net charge-offs to loans | 0.1935% | 3,994 |
| Credit loss provision to net charge-offs | 541.0543% | 570 |
| Earnings coverage of net charge-offs (x) | 11.6773% | 1,691 |
| Efficiency ratio | 62.0319% | 5,579 |
| Assets per employee ($millions) | 4.9508% | 2,199 |
| Cash dividends to net income (ytd only)* | 104.6298% | 416 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8997% | 2,669 |
| Loan loss allowance to noncurrent loans | 85.9959% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 2.0789% | 3,143 |
| Noncurrent loans to loans | 2.2090% | 3,215 |
| Net loans and leases to total assets | 59.0472% | 4,460 |
| Net loans and leases to deposits | 69.9210% | 4,449 |
| Net loans and leases to core deposits | 75.1872% | 4,410 |
| Total domestic deposits to total assets | 84.4485% | 4,147 |
| Equity capital to assets | 8.3468% | 6,366 |
| Core capital (leverage) ratio | 8.0752% | 6,202 |
| Tier 1 risk-based capital ratio | 12.3922% | 5,446 |
| Total risk-based capital ratio | 13.6497% | 5,419 |
| Memoranda: |
| Average total assets | $1,066,430,000 | 627 |
| Average earning assets | $974,177,330 | 617 |
| Average equity | $88,685,670 | 761 |
| Average total loans | $647,040,000 | 656 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6587% | 4,705 |
| Cost of funding earning assets | 1.2103% | 2,745 |
| Net interest margin | 3.4484% | 5,235 |
| Noninterest income to average assets | 0.4516% | 4,269 |
| Noninterest expense to average assets | 2.2199% | 6,377 |
| Loan and lease loss provision to assets | 0.3489% | 2,468 |
| Net operating income to assets | 0.9754% | 2,262 |
| Return on assets (ROA) | 0.9754% | 2,324 |
| Pretax return on assets | 1.0271% | 3,033 |
| Return on Equity (ROE) | 11.7509% | 1,534 |
| Retained earnings to average equity (ytd only) | 2.8215% | 4,476 |
| Net charge-offs to loans | 0.2479% | 3,099 |
| Credit loss provision to net charge-offs | 231.0174% | 1,325 |
| Earnings coverage of net charge-offs (x) | 9.1117% | 1,762 |
| Efficiency ratio | 61.7341% | 5,719 |
| Assets per employee ($millions) | 5.0398% | 2,108 |
| Cash dividends to net income (ytd only)* | 75.9892% | 917 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5490% | 3,967 |
| Loan loss allowance to noncurrent loans | 94.2521% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.6835% | 3,727 |
| Noncurrent loans to loans | 1.6435% | 4,018 |
| Net loans and leases to total assets | 58.5594% | 4,538 |
| Net loans and leases to deposits | 69.1960% | 4,495 |
| Net loans and leases to core deposits | 75.0422% | 4,420 |
| Total domestic deposits to total assets | 84.6284% | 4,214 |
| Equity capital to assets | 8.1969% | 6,282 |
| Core capital (leverage) ratio | 8.1629% | 6,027 |
| Tier 1 risk-based capital ratio | 12.1860% | 5,524 |
| Total risk-based capital ratio | 13.4377% | 5,515 |
| Memoranda: |
| Average total assets | $1,067,433,500 | 632 |
| Average earning assets | $973,311,000 | 625 |
| Average equity | $88,606,000 | 756 |
| Average total loans | $650,218,500 | 660 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7707% | 5,527 |
| Cost of funding earning assets | 0.7879% | 6,621 |
| Net interest margin | 3.9829% | 3,091 |
| Noninterest income to average assets | 0.7090% | 2,791 |
| Noninterest expense to average assets | 2.3322% | 6,265 |
| Loan and lease loss provision to assets | 0.2819% | 4,550 |
| Net operating income to assets | 1.7389% | 476 |
| Return on assets (ROA) | 1.7389% | 518 |
| Pretax return on assets | 1.8281% | 719 |
| Return on Equity (ROE) | 21.1655% | 196 |
| Retained earnings to average equity (ytd only) | 3.2696% | 3,581 |
| Net charge-offs to loans | 0.3847% | 4,111 |
| Credit loss provision to net charge-offs | 122.7273% | 3,401 |
| Earnings coverage of net charge-offs (x) | 9.1860% | 1,859 |
| Efficiency ratio | 52.5000% | 6,947 |
| Assets per employee ($millions) | 4.3050% | 3,195 |
| Cash dividends to net income (ytd only)* | 84.5524% | 717 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0297% | 6,236 |
| Loan loss allowance to noncurrent loans | 61.8447% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 0.9202% | 5,180 |
| Noncurrent loans to loans | 1.6649% | 4,003 |
| Net loans and leases to total assets | 54.7012% | 5,538 |
| Net loans and leases to deposits | 62.4485% | 5,796 |
| Net loans and leases to core deposits | 63.7137% | 6,079 |
| Total domestic deposits to total assets | 87.5940% | 2,488 |
| Equity capital to assets | 7.8040% | 6,670 |
| Core capital (leverage) ratio | 8.1999% | 5,823 |
| Tier 1 risk-based capital ratio | 12.0563% | 5,422 |
| Total risk-based capital ratio | 12.9493% | 5,732 |
| Memoranda: |
| Average total assets | $105,352,800 | 4,843 |
| Average earning assets | $98,748,200 | 4,753 |
| Average equity | $8,655,600 | 5,513 |
| Average total loans | $62,908,800 | 4,958 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8128% | 5,605 |
| Cost of funding earning assets | 0.8099% | 6,729 |
| Net interest margin | 4.0029% | 3,096 |
| Noninterest income to average assets | 0.6917% | 2,866 |
| Noninterest expense to average assets | 2.3835% | 6,083 |
| Loan and lease loss provision to assets | 0.3625% | 3,721 |
| Net operating income to assets | 1.6122% | 733 |
| Return on assets (ROA) | 1.6122% | 803 |
| Pretax return on assets | 1.6945% | 1,124 |
| Return on Equity (ROE) | 19.3609% | 355 |
| Retained earnings to average equity (ytd only) | -0.8182% | 5,984 |
| Net charge-offs to loans | 0.0253% | 6,318 |
| Credit loss provision to net charge-offs | 2,350.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 133.3300% | 240 |
| Efficiency ratio | 53.6769% | 6,817 |
| Assets per employee ($millions) | 3.9394% | 3,956 |
| Cash dividends to net income (ytd only)* | 104.2262% | 318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3401% | 4,754 |
| Loan loss allowance to noncurrent loans | 53.6862% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.5494% | 4,122 |
| Noncurrent loans to loans | 2.4961% | 3,121 |
| Net loans and leases to total assets | 61.2409% | 4,677 |
| Net loans and leases to deposits | 69.8539% | 5,169 |
| Net loans and leases to core deposits | 71.3663% | 5,595 |
| Total domestic deposits to total assets | 87.6700% | 2,176 |
| Equity capital to assets | 8.5438% | 6,225 |
| Core capital (leverage) ratio | 8.0013% | 6,344 |
| Tier 1 risk-based capital ratio | 11.5694% | 5,861 |
| Total risk-based capital ratio | 12.7619% | 5,909 |
| Memoranda: |
| Average total assets | $103,708,500 | 4,943 |
| Average earning assets | $97,127,500 | 4,860 |
| Average equity | $8,635,750 | 5,588 |
| Average total loans | $63,170,000 | 5,014 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8152% | 5,742 |
| Cost of funding earning assets | 0.8070% | 6,887 |
| Net interest margin | 4.0082% | 2,974 |
| Noninterest income to average assets | 0.6818% | 2,810 |
| Noninterest expense to average assets | 2.4237% | 6,001 |
| Loan and lease loss provision to assets | 0.1037% | 5,883 |
| Net operating income to assets | 1.8284% | 460 |
| Return on assets (ROA) | 1.8284% | 500 |
| Pretax return on assets | 1.9225% | 710 |
| Return on Equity (ROE) | 22.1464% | 204 |
| Retained earnings to average equity (ytd only) | -1.2097% | 6,016 |
| Net charge-offs to loans | -0.0063% | 7,140 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4670% | 6,820 |
| Assets per employee ($millions) | 3.7712% | 4,292 |
| Cash dividends to net income (ytd only)* | 105.4622% | 404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0212% | 6,310 |
| Loan loss allowance to noncurrent loans | 40.7668% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 1.5370% | 4,156 |
| Noncurrent loans to loans | 2.5050% | 3,145 |
| Net loans and leases to total assets | 60.7315% | 4,925 |
| Net loans and leases to deposits | 69.6853% | 5,328 |
| Net loans and leases to core deposits | 71.2075% | 5,751 |
| Total domestic deposits to total assets | 87.1511% | 2,455 |
| Equity capital to assets | 8.4618% | 6,213 |
| Core capital (leverage) ratio | 7.9470% | 6,332 |
| Tier 1 risk-based capital ratio | 12.0250% | 5,289 |
| Total risk-based capital ratio | 12.9532% | 5,542 |
| Memoranda: |
| Average total assets | $104,136,330 | 4,965 |
| Average earning assets | $97,899,330 | 4,876 |
| Average equity | $8,597,330 | 5,607 |
| Average total loans | $63,034,000 | 5,055 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8211% | 5,807 |
| Cost of funding earning assets | 0.7961% | 7,102 |
| Net interest margin | 4.0251% | 2,770 |
| Noninterest income to average assets | 0.6230% | 3,129 |
| Noninterest expense to average assets | 2.4579% | 5,881 |
| Loan and lease loss provision to assets | 0.1026% | 5,603 |
| Net operating income to assets | 1.7399% | 561 |
| Return on assets (ROA) | 1.7399% | 616 |
| Pretax return on assets | 1.8273% | 844 |
| Return on Equity (ROE) | 21.3321% | 308 |
| Retained earnings to average equity (ytd only) | -0.0466% | 5,839 |
| Net charge-offs to loans | -0.0126% | 6,949 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0173% | 6,757 |
| Assets per employee ($millions) | 3.7460% | 4,444 |
| Cash dividends to net income (ytd only)* | 100.2183% | 576 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9914% | 6,512 |
| Loan loss allowance to noncurrent loans | 61.1000% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 0.9648% | 5,225 |
| Noncurrent loans to loans | 1.6226% | 4,314 |
| Net loans and leases to total assets | 58.1729% | 5,402 |
| Net loans and leases to deposits | 66.4449% | 5,773 |
| Net loans and leases to core deposits | 67.8442% | 6,117 |
| Total domestic deposits to total assets | 87.5506% | 2,331 |
| Equity capital to assets | 8.1953% | 6,437 |
| Core capital (leverage) ratio | 8.0353% | 6,187 |
| Tier 1 risk-based capital ratio | 12.2172% | 4,976 |
| Total risk-based capital ratio | 13.1148% | 5,278 |
| Memoranda: |
| Average total assets | $105,293,500 | 4,997 |
| Average earning assets | $98,483,000 | 4,920 |
| Average equity | $8,588,000 | 5,662 |
| Average total loans | $63,313,000 | 5,122 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2008% | 5,648 |
| Cost of funding earning assets | 1.0667% | 7,066 |
| Net interest margin | 4.1341% | 2,302 |
| Noninterest income to average assets | 0.8257% | 2,282 |
| Noninterest expense to average assets | 2.5802% | 5,863 |
| Loan and lease loss provision to assets | 0.2079% | 5,682 |
| Net operating income to assets | 1.7853% | 368 |
| Return on assets (ROA) | 1.7853% | 389 |
| Pretax return on assets | 1.8757% | 543 |
| Return on Equity (ROE) | 22.1360% | 160 |
| Retained earnings to average equity (ytd only) | 3.8305% | 2,518 |
| Net charge-offs to loans | 0.0913% | 6,216 |
| Credit loss provision to net charge-offs | 372.4138% | 855 |
| Earnings coverage of net charge-offs (x) | 37.3276% | 635 |
| Efficiency ratio | 55.3240% | 7,094 |
| Assets per employee ($millions) | 3.7749% | 4,341 |
| Cash dividends to net income (ytd only)* | 82.6954% | 1,091 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8954% | 6,832 |
| Loan loss allowance to noncurrent loans | 58.2000% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9574% | 5,188 |
| Noncurrent loans to loans | 1.5385% | 4,346 |
| Net loans and leases to total assets | 60.9434% | 5,201 |
| Net loans and leases to deposits | 70.7954% | 5,496 |
| Net loans and leases to core deposits | 77.3478% | 6,311 |
| Total domestic deposits to total assets | 86.0839% | 2,975 |
| Equity capital to assets | 8.1175% | 6,441 |
| Core capital (leverage) ratio | 7.9767% | 6,229 |
| Tier 1 risk-based capital ratio | 11.3050% | 5,610 |
| Total risk-based capital ratio | 12.0960% | 6,040 |
| Memoranda: |
| Average total assets | $103,906,000 | 4,986 |
| Average earning assets | $96,466,400 | 4,939 |
| Average equity | $8,380,000 | 5,812 |
| Average total loans | $63,512,000 | 5,117 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2758% | 5,540 |
| Cost of funding earning assets | 1.1332% | 7,086 |
| Net interest margin | 4.1426% | 2,238 |
| Noninterest income to average assets | 0.8738% | 2,088 |
| Noninterest expense to average assets | 2.6264% | 5,614 |
| Loan and lease loss provision to assets | 0.2062% | 5,338 |
| Net operating income to assets | 1.7939% | 449 |
| Return on assets (ROA) | 1.7939% | 480 |
| Pretax return on assets | 1.8854% | 678 |
| Return on Equity (ROE) | 22.2803% | 194 |
| Retained earnings to average equity (ytd only) | -2.2729% | 5,776 |
| Net charge-offs to loans | 0.0612% | 6,091 |
| Credit loss provision to net charge-offs | 551.7241% | 708 |
| Earnings coverage of net charge-offs (x) | 55.9594% | 585 |
| Efficiency ratio | 55.6679% | 7,046 |
| Assets per employee ($millions) | 3.6404% | 4,573 |
| Cash dividends to net income (ytd only)* | 110.2012% | 470 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8730% | 6,871 |
| Loan loss allowance to noncurrent loans | 50.0451% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.0998% | 4,880 |
| Noncurrent loans to loans | 1.7444% | 4,008 |
| Net loans and leases to total assets | 61.8245% | 5,272 |
| Net loans and leases to deposits | 70.7149% | 5,825 |
| Net loans and leases to core deposits | 77.8474% | 6,504 |
| Total domestic deposits to total assets | 87.4279% | 1,935 |
| Equity capital to assets | 8.1564% | 6,688 |
| Core capital (leverage) ratio | 7.7048% | 6,726 |
| Tier 1 risk-based capital ratio | 10.7974% | 6,160 |
| Total risk-based capital ratio | 11.5604% | 6,618 |
| Memoranda: |
| Average total assets | $103,458,000 | 5,033 |
| Average earning assets | $96,008,500 | 4,980 |
| Average equity | $8,330,000 | 5,880 |
| Average total loans | $63,140,500 | 5,164 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2675% | 5,802 |
| Cost of funding earning assets | 1.1922% | 7,125 |
| Net interest margin | 4.0752% | 2,418 |
| Noninterest income to average assets | 0.8849% | 2,038 |
| Noninterest expense to average assets | 2.6547% | 5,541 |
| Loan and lease loss provision to assets | 0.2155% | 4,889 |
| Net operating income to assets | 1.7025% | 565 |
| Return on assets (ROA) | 1.7025% | 615 |
| Pretax return on assets | 1.7890% | 865 |
| Return on Equity (ROE) | 21.2349% | 271 |
| Retained earnings to average equity (ytd only) | -0.2639% | 5,291 |
| Net charge-offs to loans | 0.1048% | 5,114 |
| Credit loss provision to net charge-offs | 339.3939% | 1,369 |
| Earnings coverage of net charge-offs (x) | 31.5758% | 956 |
| Efficiency ratio | 56.9777% | 6,994 |
| Assets per employee ($millions) | 3.7054% | 4,310 |
| Cash dividends to net income (ytd only)* | 101.2429% | 701 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7915% | 7,185 |
| Loan loss allowance to noncurrent loans | 45.4874% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0930% | 4,769 |
| Noncurrent loans to loans | 1.7400% | 3,899 |
| Net loans and leases to total assets | 60.8910% | 5,537 |
| Net loans and leases to deposits | 70.1804% | 5,975 |
| Net loans and leases to core deposits | 78.4588% | 6,520 |
| Total domestic deposits to total assets | 86.7635% | 2,371 |
| Equity capital to assets | 7.9672% | 6,790 |
| Core capital (leverage) ratio | 7.5740% | 6,932 |
| Tier 1 risk-based capital ratio | 11.0202% | 5,853 |
| Total risk-based capital ratio | 11.7158% | 6,354 |
| Memoranda: |
| Average total assets | $103,966,670 | 5,046 |
| Average earning assets | $96,289,000 | 5,001 |
| Average equity | $8,335,330 | 5,907 |
| Average total loans | $62,996,000 | 5,209 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3330% | 5,737 |
| Cost of funding earning assets | 1.2396% | 7,205 |
| Net interest margin | 4.0933% | 2,300 |
| Noninterest income to average assets | 0.8686% | 1,995 |
| Noninterest expense to average assets | 2.5366% | 5,707 |
| Loan and lease loss provision to assets | 0.1307% | 5,284 |
| Net operating income to assets | 1.8871% | 445 |
| Return on assets (ROA) | 1.8871% | 493 |
| Pretax return on assets | 1.9832% | 682 |
| Return on Equity (ROE) | 23.4648% | 240 |
| Retained earnings to average equity (ytd only) | 1.8160% | 4,838 |
| Net charge-offs to loans | -0.1341% | 7,949 |
| Credit loss provision to net charge-offs | -161.9048% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5455% | 7,163 |
| Assets per employee ($millions) | 3.7548% | 4,217 |
| Cash dividends to net income (ytd only)* | 92.2607% | 858 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7693% | 7,252 |
| Loan loss allowance to noncurrent loans | 40.2521% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 4,413 |
| Noncurrent loans to loans | 1.9112% | 3,393 |
| Net loans and leases to total assets | 58.7679% | 5,837 |
| Net loans and leases to deposits | 67.7014% | 6,212 |
| Net loans and leases to core deposits | 76.0758% | 6,672 |
| Total domestic deposits to total assets | 86.8045% | 2,309 |
| Equity capital to assets | 8.0107% | 6,790 |
| Core capital (leverage) ratio | 7.8101% | 6,736 |
| Tier 1 risk-based capital ratio | 11.3048% | 5,595 |
| Total risk-based capital ratio | 11.9788% | 6,067 |
| Memoranda: |
| Average total assets | $104,074,500 | 5,064 |
| Average earning assets | $96,156,500 | 5,020 |
| Average equity | $8,370,000 | 5,928 |
| Average total loans | $62,654,500 | 5,256 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8667% | 6,199 |
| Cost of funding earning assets | 1.7754% | 7,073 |
| Net interest margin | 4.0913% | 2,750 |
| Noninterest income to average assets | 0.8656% | 2,134 |
| Noninterest expense to average assets | 2.4282% | 6,301 |
| Loan and lease loss provision to assets | 0.0367% | 6,948 |
| Net operating income to assets | 2.0692% | 310 |
| Return on assets (ROA) | 2.0692% | 290 |
| Pretax return on assets | 2.1753% | 422 |
| Return on Equity (ROE) | 26.2813% | 110 |
| Retained earnings to average equity (ytd only) | 0.8437% | 4,717 |
| Net charge-offs to loans | 0.2270% | 3,968 |
| Credit loss provision to net charge-offs | 27.2059% | 6,548 |
| Earnings coverage of net charge-offs (x) | 16.4044% | 1,844 |
| Efficiency ratio | 52.3291% | 7,455 |
| Assets per employee ($millions) | 3.6791% | 4,217 |
| Cash dividends to net income (ytd only)* | 96.7897% | 1,084 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6725% | 7,496 |
| Loan loss allowance to noncurrent loans | 212.0000% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 6,791 |
| Noncurrent loans to loans | 0.3172% | 6,423 |
| Net loans and leases to total assets | 60.7882% | 5,796 |
| Net loans and leases to deposits | 70.5788% | 6,212 |
| Net loans and leases to core deposits | 79.1099% | 6,685 |
| Total domestic deposits to total assets | 86.1282% | 2,343 |
| Equity capital to assets | 8.0746% | 6,739 |
| Core capital (leverage) ratio | 7.9952% | 6,501 |
| Tier 1 risk-based capital ratio | 11.2124% | 5,528 |
| Total risk-based capital ratio | 11.8069% | 6,051 |
| Memoranda: |
| Average total assets | $100,858,200 | 5,019 |
| Average earning assets | $93,050,400 | 4,999 |
| Average equity | $7,941,000 | 6,107 |
| Average total loans | $59,905,600 | 5,271 |
