| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8367% | 4,350 |
| Cost of funding earning assets | 0.1986% | 5,023 |
| Net interest margin | 3.6381% | 3,236 |
| Noninterest income to average assets | 1.1071% | 771 |
| Noninterest expense to average assets | 2.6791% | 3,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7773% | 629 |
| Return on assets (ROA) | 1.8677% | 525 |
| Pretax return on assets | 1.8677% | 863 |
| Return on Equity (ROE) | 18.6293% | 371 |
| Retained earnings to average equity (ytd only) | 9.3147% | 1,112 |
| Net charge-offs to loans | 0.0134% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 239.5140% | 383 |
| Efficiency ratio | 59.7811% | 3,843 |
| Assets per employee ($millions) | 5.6302% | 1,793 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,587 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2106% | 2,565 |
| Loan loss allowance to noncurrent loans | 249.0964% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 3,413 |
| Noncurrent loans to loans | 0.4860% | 2,932 |
| Net loans and leases to total assets | 55.1110% | 4,284 |
| Net loans and leases to deposits | 62.7646% | 4,407 |
| Net loans and leases to core deposits | 63.9194% | 4,523 |
| Total domestic deposits to total assets | 87.8059% | 1,334 |
| Equity capital to assets | 10.0888% | 3,550 |
| Core capital (leverage) ratio | 10.0286% | 3,605 |
| Tier 1 risk-based capital ratio | 13.5101% | 3,623 |
| Total risk-based capital ratio | 14.4398% | 3,705 |
| Memoranda: |
| Average total assets | $1,976,461,250 | 416 |
| Average earning assets | $1,819,561,750 | 414 |
| Average equity | $198,148,750 | 452 |
| Average total loans | $1,094,441,750 | 515 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7915% | 4,363 |
| Cost of funding earning assets | 0.1892% | 5,079 |
| Net interest margin | 3.6023% | 3,300 |
| Noninterest income to average assets | 0.9068% | 1,163 |
| Noninterest expense to average assets | 2.6756% | 3,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5432% | 1,046 |
| Return on assets (ROA) | 1.6209% | 877 |
| Pretax return on assets | 1.6209% | 1,436 |
| Return on Equity (ROE) | 16.2021% | 632 |
| Retained earnings to average equity (ytd only) | 8.1005% | 1,585 |
| Net charge-offs to loans | 0.0451% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 61.9190% | 977 |
| Efficiency ratio | 63.0393% | 3,465 |
| Assets per employee ($millions) | 5.3385% | 2,057 |
| Cash dividends to net income (ytd only)* | 50.0031% | 1,667 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1991% | 2,724 |
| Loan loss allowance to noncurrent loans | 173.3289% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 3,169 |
| Noncurrent loans to loans | 0.6918% | 2,378 |
| Net loans and leases to total assets | 54.7738% | 4,270 |
| Net loans and leases to deposits | 62.5101% | 4,388 |
| Net loans and leases to core deposits | 63.6270% | 4,513 |
| Total domestic deposits to total assets | 87.6239% | 1,577 |
| Equity capital to assets | 9.9956% | 3,624 |
| Core capital (leverage) ratio | 9.4225% | 4,215 |
| Tier 1 risk-based capital ratio | 13.0082% | 3,890 |
| Total risk-based capital ratio | 13.9219% | 3,981 |
| Memoranda: |
| Average total assets | $1,982,174,670 | 417 |
| Average earning assets | $1,822,438,670 | 415 |
| Average equity | $198,307,670 | 448 |
| Average total loans | $1,094,911,000 | 514 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6667% | 4,555 |
| Cost of funding earning assets | 0.1613% | 5,220 |
| Net interest margin | 3.5054% | 3,518 |
| Noninterest income to average assets | 0.8379% | 1,337 |
| Noninterest expense to average assets | 2.7219% | 2,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3431% | 1,501 |
| Return on assets (ROA) | 1.4978% | 1,089 |
| Pretax return on assets | 1.4978% | 1,686 |
| Return on Equity (ROE) | 14.9641% | 807 |
| Retained earnings to average equity (ytd only) | 7.4810% | 2,057 |
| Net charge-offs to loans | 0.0504% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 48.3768% | 964 |
| Efficiency ratio | 66.4803% | 3,083 |
| Assets per employee ($millions) | 5.4126% | 2,020 |
| Cash dividends to net income (ytd only)* | 50.0067% | 1,511 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2136% | 2,727 |
| Loan loss allowance to noncurrent loans | 134.8861% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 2,858 |
| Noncurrent loans to loans | 0.8998% | 2,023 |
| Net loans and leases to total assets | 54.5516% | 4,239 |
| Net loans and leases to deposits | 62.0905% | 4,333 |
| Net loans and leases to core deposits | 63.1580% | 4,476 |
| Total domestic deposits to total assets | 87.8582% | 1,698 |
| Equity capital to assets | 9.9352% | 3,660 |
| Core capital (leverage) ratio | 9.4524% | 4,122 |
| Tier 1 risk-based capital ratio | 12.7660% | 4,079 |
| Total risk-based capital ratio | 13.6920% | 4,177 |
| Memoranda: |
| Average total assets | $1,988,307,000 | 422 |
| Average earning assets | $1,830,426,000 | 419 |
| Average equity | $199,009,500 | 454 |
| Average total loans | $1,096,321,500 | 516 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5843% | 4,603 |
| Cost of funding earning assets | 0.1743% | 5,128 |
| Net interest margin | 3.4099% | 3,820 |
| Noninterest income to average assets | 1.0131% | 988 |
| Noninterest expense to average assets | 2.7652% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3826% | 1,054 |
| Return on assets (ROA) | 1.3561% | 1,125 |
| Pretax return on assets | 1.3561% | 2,142 |
| Return on Equity (ROE) | 13.1938% | 910 |
| Retained earnings to average equity (ytd only) | 3.9461% | 2,829 |
| Net charge-offs to loans | 0.0401% | 2,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 63.6392% | 917 |
| Efficiency ratio | 66.0000% | 3,262 |
| Assets per employee ($millions) | 5.4082% | 2,040 |
| Cash dividends to net income (ytd only)* | 70.0911% | 1,262 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2078% | 2,726 |
| Loan loss allowance to noncurrent loans | 154.2784% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 3,111 |
| Noncurrent loans to loans | 0.7829% | 2,263 |
| Net loans and leases to total assets | 54.3916% | 4,325 |
| Net loans and leases to deposits | 63.6719% | 4,333 |
| Net loans and leases to core deposits | 64.7695% | 4,484 |
| Total domestic deposits to total assets | 85.4249% | 2,683 |
| Equity capital to assets | 10.0815% | 3,615 |
| Core capital (leverage) ratio | 8.9617% | 4,695 |
| Tier 1 risk-based capital ratio | 12.2677% | 4,355 |
| Total risk-based capital ratio | 13.1852% | 4,458 |
| Memoranda: |
| Average total assets | $1,951,648,000 | 417 |
| Average earning assets | $1,794,118,400 | 414 |
| Average equity | $200,601,800 | 437 |
| Average total loans | $1,056,354,600 | 511 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5545% | 4,672 |
| Cost of funding earning assets | 0.1707% | 5,191 |
| Net interest margin | 3.3837% | 3,910 |
| Noninterest income to average assets | 1.0346% | 955 |
| Noninterest expense to average assets | 2.7720% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3756% | 1,145 |
| Return on assets (ROA) | 1.3778% | 1,156 |
| Pretax return on assets | 1.3778% | 2,189 |
| Return on Equity (ROE) | 13.3388% | 974 |
| Retained earnings to average equity (ytd only) | 3.1271% | 4,049 |
| Net charge-offs to loans | 0.0073% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 350.7807% | 268 |
| Efficiency ratio | 66.1547% | 3,180 |
| Assets per employee ($millions) | 5.3307% | 2,087 |
| Cash dividends to net income (ytd only)* | 76.5567% | 747 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2655% | 2,550 |
| Loan loss allowance to noncurrent loans | 135.5582% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 2,968 |
| Noncurrent loans to loans | 0.9336% | 2,055 |
| Net loans and leases to total assets | 54.2271% | 4,395 |
| Net loans and leases to deposits | 63.5654% | 4,408 |
| Net loans and leases to core deposits | 64.6906% | 4,577 |
| Total domestic deposits to total assets | 85.3092% | 2,593 |
| Equity capital to assets | 10.3045% | 3,586 |
| Core capital (leverage) ratio | 9.1443% | 4,578 |
| Tier 1 risk-based capital ratio | 12.1958% | 4,501 |
| Total risk-based capital ratio | 13.1508% | 4,576 |
| Memoranda: |
| Average total assets | $1,937,949,750 | 422 |
| Average earning assets | $1,782,915,750 | 419 |
| Average equity | $200,182,500 | 440 |
| Average total loans | $1,044,273,750 | 516 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5188% | 4,721 |
| Cost of funding earning assets | 0.1682% | 5,218 |
| Net interest margin | 3.3506% | 3,945 |
| Noninterest income to average assets | 1.0199% | 977 |
| Noninterest expense to average assets | 2.8046% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2988% | 1,304 |
| Return on assets (ROA) | 1.3012% | 1,316 |
| Pretax return on assets | 1.3012% | 2,380 |
| Return on Equity (ROE) | 12.5867% | 1,145 |
| Retained earnings to average equity (ytd only) | 6.2933% | 1,966 |
| Net charge-offs to loans | -0.0151% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6491% | 3,071 |
| Assets per employee ($millions) | 5.2350% | 2,125 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,869 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3097% | 2,364 |
| Loan loss allowance to noncurrent loans | 167.3800% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 3,410 |
| Noncurrent loans to loans | 0.7825% | 2,449 |
| Net loans and leases to total assets | 53.4253% | 4,443 |
| Net loans and leases to deposits | 63.7384% | 4,385 |
| Net loans and leases to core deposits | 64.9749% | 4,539 |
| Total domestic deposits to total assets | 83.8196% | 3,277 |
| Equity capital to assets | 10.4685% | 3,386 |
| Core capital (leverage) ratio | 9.2268% | 4,459 |
| Tier 1 risk-based capital ratio | 12.5951% | 4,243 |
| Total risk-based capital ratio | 13.5828% | 4,294 |
| Memoranda: |
| Average total assets | $1,926,482,670 | 422 |
| Average earning assets | $1,772,915,000 | 421 |
| Average equity | $199,163,330 | 441 |
| Average total loans | $1,031,279,000 | 522 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4340% | 4,867 |
| Cost of funding earning assets | 0.1650% | 5,266 |
| Net interest margin | 3.2690% | 4,119 |
| Noninterest income to average assets | 0.9625% | 1,073 |
| Noninterest expense to average assets | 2.8713% | 2,546 |
| Loan and lease loss provision to assets | 0.0017% | 3,524 |
| Net operating income to assets | 1.1007% | 1,866 |
| Return on assets (ROA) | 1.1040% | 1,893 |
| Pretax return on assets | 1.1040% | 2,965 |
| Return on Equity (ROE) | 10.7480% | 1,657 |
| Retained earnings to average equity (ytd only) | 5.3750% | 2,681 |
| Net charge-offs to loans | 0.0020% | 2,898 |
| Credit loss provision to net charge-offs | 160.0000% | 1,166 |
| Earnings coverage of net charge-offs (x) | 1,054.6000% | 42 |
| Efficiency ratio | 71.5330% | 2,657 |
| Assets per employee ($millions) | 5.1226% | 2,277 |
| Cash dividends to net income (ytd only)* | 49.9905% | 1,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3482% | 2,315 |
| Loan loss allowance to noncurrent loans | 139.1792% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 3,160 |
| Noncurrent loans to loans | 0.9687% | 2,111 |
| Net loans and leases to total assets | 52.7288% | 4,451 |
| Net loans and leases to deposits | 62.1457% | 4,425 |
| Net loans and leases to core deposits | 63.2408% | 4,580 |
| Total domestic deposits to total assets | 84.8471% | 3,145 |
| Equity capital to assets | 10.3927% | 3,301 |
| Core capital (leverage) ratio | 9.2491% | 4,414 |
| Tier 1 risk-based capital ratio | 12.7254% | 4,242 |
| Total risk-based capital ratio | 13.7394% | 4,301 |
| Memoranda: |
| Average total assets | $1,913,394,500 | 431 |
| Average earning assets | $1,762,481,000 | 427 |
| Average equity | $196,538,000 | 447 |
| Average total loans | $1,018,389,500 | 529 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4211% | 4,938 |
| Cost of funding earning assets | 0.1800% | 5,215 |
| Net interest margin | 3.2411% | 4,326 |
| Noninterest income to average assets | 1.0111% | 1,113 |
| Noninterest expense to average assets | 2.9391% | 2,531 |
| Loan and lease loss provision to assets | -0.0490% | 5,588 |
| Net operating income to assets | 1.1018% | 1,901 |
| Return on assets (ROA) | 1.1163% | 1,923 |
| Pretax return on assets | 1.1163% | 3,040 |
| Return on Equity (ROE) | 10.3752% | 1,815 |
| Retained earnings to average equity (ytd only) | 3.0877% | 3,703 |
| Net charge-offs to loans | 0.0109% | 3,903 |
| Credit loss provision to net charge-offs | -880.1887% | 5,276 |
| Earnings coverage of net charge-offs (x) | 189.2830% | 355 |
| Efficiency ratio | 72.8974% | 2,440 |
| Assets per employee ($millions) | 5.0689% | 2,317 |
| Cash dividends to net income (ytd only)* | 70.2393% | 1,305 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3555% | 2,279 |
| Loan loss allowance to noncurrent loans | 168.5648% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 3,373 |
| Noncurrent loans to loans | 0.8041% | 2,507 |
| Net loans and leases to total assets | 52.2813% | 4,580 |
| Net loans and leases to deposits | 62.1181% | 4,536 |
| Net loans and leases to core deposits | 63.1708% | 4,681 |
| Total domestic deposits to total assets | 84.1644% | 3,366 |
| Equity capital to assets | 10.1510% | 3,548 |
| Core capital (leverage) ratio | 8.9929% | 4,753 |
| Tier 1 risk-based capital ratio | 12.5931% | 4,326 |
| Total risk-based capital ratio | 13.6108% | 4,354 |
| Memoranda: |
| Average total assets | $1,905,684,000 | 410 |
| Average earning assets | $1,752,659,000 | 406 |
| Average equity | $205,037,000 | 425 |
| Average total loans | $969,605,400 | 524 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4096% | 5,010 |
| Cost of funding earning assets | 0.1851% | 5,220 |
| Net interest margin | 3.2246% | 4,414 |
| Noninterest income to average assets | 1.0126% | 1,121 |
| Noninterest expense to average assets | 2.9204% | 2,577 |
| Loan and lease loss provision to assets | -0.0495% | 5,715 |
| Net operating income to assets | 1.1069% | 1,964 |
| Return on assets (ROA) | 1.1257% | 2,008 |
| Pretax return on assets | 1.1257% | 3,133 |
| Return on Equity (ROE) | 10.3154% | 1,922 |
| Retained earnings to average equity (ytd only) | 2.3935% | 4,482 |
| Net charge-offs to loans | 0.0029% | 3,833 |
| Credit loss provision to net charge-offs | -3,361.9048% | 5,376 |
| Earnings coverage of net charge-offs (x) | 718.6964% | 127 |
| Efficiency ratio | 72.6861% | 2,474 |
| Assets per employee ($millions) | 5.0453% | 2,317 |
| Cash dividends to net income (ytd only)* | 76.7972% | 830 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4088% | 2,159 |
| Loan loss allowance to noncurrent loans | 164.7899% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 3,497 |
| Noncurrent loans to loans | 0.8549% | 2,546 |
| Net loans and leases to total assets | 51.3869% | 4,703 |
| Net loans and leases to deposits | 61.6887% | 4,650 |
| Net loans and leases to core deposits | 62.7022% | 4,793 |
| Total domestic deposits to total assets | 83.3003% | 3,484 |
| Equity capital to assets | 10.9857% | 3,023 |
| Core capital (leverage) ratio | 8.9585% | 4,871 |
| Tier 1 risk-based capital ratio | 12.5086% | 4,470 |
| Total risk-based capital ratio | 13.5605% | 4,495 |
| Memoranda: |
| Average total assets | $1,903,089,250 | 407 |
| Average earning assets | $1,750,017,000 | 406 |
| Average equity | $207,671,250 | 423 |
| Average total loans | $958,130,000 | 528 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4112% | 5,054 |
| Cost of funding earning assets | 0.1923% | 5,219 |
| Net interest margin | 3.2189% | 4,488 |
| Noninterest income to average assets | 0.9797% | 1,176 |
| Noninterest expense to average assets | 2.8674% | 2,781 |
| Loan and lease loss provision to assets | -0.0495% | 5,824 |
| Net operating income to assets | 1.1217% | 1,879 |
| Return on assets (ROA) | 1.1244% | 1,982 |
| Pretax return on assets | 1.1244% | 3,107 |
| Return on Equity (ROE) | 10.3276% | 1,911 |
| Retained earnings to average equity (ytd only) | 5.1633% | 2,623 |
| Net charge-offs to loans | -0.0070% | 4,608 |
| Credit loss provision to net charge-offs | 1,424.2424% | 276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0436% | 2,645 |
| Assets per employee ($millions) | 4.9016% | 2,406 |
| Cash dividends to net income (ytd only)* | 50.0047% | 1,966 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4830% | 1,928 |
| Loan loss allowance to noncurrent loans | 192.6905% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 3,792 |
| Noncurrent loans to loans | 0.7696% | 2,823 |
| Net loans and leases to total assets | 49.9270% | 4,844 |
| Net loans and leases to deposits | 60.1552% | 4,788 |
| Net loans and leases to core deposits | 61.2539% | 4,917 |
| Total domestic deposits to total assets | 82.9970% | 3,655 |
| Equity capital to assets | 11.3079% | 2,733 |
| Core capital (leverage) ratio | 9.0770% | 4,739 |
| Tier 1 risk-based capital ratio | 12.7662% | 4,336 |
| Total risk-based capital ratio | 13.8519% | 4,356 |
| Memoranda: |
| Average total assets | $1,898,384,330 | 410 |
| Average earning assets | $1,745,610,330 | 407 |
| Average equity | $206,688,670 | 421 |
| Average total loans | $944,417,000 | 532 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4156% | 5,089 |
| Cost of funding earning assets | 0.1987% | 5,216 |
| Net interest margin | 3.2169% | 4,526 |
| Noninterest income to average assets | 0.9219% | 1,259 |
| Noninterest expense to average assets | 2.8900% | 2,737 |
| Loan and lease loss provision to assets | -0.0484% | 5,943 |
| Net operating income to assets | 1.0414% | 2,114 |
| Return on assets (ROA) | 1.0424% | 2,231 |
| Pretax return on assets | 1.0424% | 3,314 |
| Return on Equity (ROE) | 9.7648% | 2,086 |
| Retained earnings to average equity (ytd only) | 4.8824% | 3,009 |
| Net charge-offs to loans | 0.0004% | 3,091 |
| Credit loss provision to net charge-offs | -22,900.0000% | 5,103 |
| Earnings coverage of net charge-offs (x) | 4,696.0000% | 3 |
| Efficiency ratio | 73.6768% | 2,532 |
| Assets per employee ($millions) | 4.9253% | 2,423 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,748 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5724% | 1,709 |
| Loan loss allowance to noncurrent loans | 184.8681% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 3,742 |
| Noncurrent loans to loans | 0.8506% | 2,721 |
| Net loans and leases to total assets | 48.6171% | 4,919 |
| Net loans and leases to deposits | 58.4255% | 4,828 |
| Net loans and leases to core deposits | 60.3438% | 4,918 |
| Total domestic deposits to total assets | 83.2120% | 3,821 |
| Equity capital to assets | 11.1305% | 2,796 |
| Core capital (leverage) ratio | 8.9930% | 4,868 |
| Tier 1 risk-based capital ratio | 12.9225% | 4,312 |
| Total risk-based capital ratio | 14.0571% | 4,301 |
| Memoranda: |
| Average total assets | $1,891,761,500 | 408 |
| Average earning assets | $1,741,324,000 | 407 |
| Average equity | $201,950,000 | 423 |
| Average total loans | $932,232,000 | 536 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3976% | 5,165 |
| Cost of funding earning assets | 0.2121% | 5,176 |
| Net interest margin | 3.1856% | 4,673 |
| Noninterest income to average assets | 0.9751% | 1,248 |
| Noninterest expense to average assets | 3.0288% | 2,446 |
| Loan and lease loss provision to assets | -0.0495% | 5,745 |
| Net operating income to assets | 0.9201% | 2,760 |
| Return on assets (ROA) | 0.9244% | 2,825 |
| Pretax return on assets | 0.9244% | 3,752 |
| Return on Equity (ROE) | 8.7933% | 2,567 |
| Retained earnings to average equity (ytd only) | 2.7136% | 4,137 |
| Net charge-offs to loans | 0.0413% | 3,391 |
| Credit loss provision to net charge-offs | -261.4731% | 5,325 |
| Earnings coverage of net charge-offs (x) | 45.9462% | 1,063 |
| Efficiency ratio | 76.9115% | 2,127 |
| Assets per employee ($millions) | 4.8897% | 2,483 |
| Cash dividends to net income (ytd only)* | 69.1401% | 1,299 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5791% | 1,684 |
| Loan loss allowance to noncurrent loans | 188.5507% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 3,777 |
| Noncurrent loans to loans | 0.8375% | 2,693 |
| Net loans and leases to total assets | 48.3887% | 4,983 |
| Net loans and leases to deposits | 57.9006% | 4,916 |
| Net loans and leases to core deposits | 59.6245% | 5,007 |
| Total domestic deposits to total assets | 83.5720% | 3,646 |
| Equity capital to assets | 10.2272% | 3,710 |
| Core capital (leverage) ratio | 8.7762% | 5,134 |
| Tier 1 risk-based capital ratio | 12.6699% | 4,526 |
| Total risk-based capital ratio | 13.8147% | 4,484 |
| Memoranda: |
| Average total assets | $1,863,151,600 | 397 |
| Average earning assets | $1,710,341,200 | 393 |
| Average equity | $195,864,600 | 423 |
| Average total loans | $855,198,400 | 554 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3896% | 5,223 |
| Cost of funding earning assets | 0.2157% | 5,224 |
| Net interest margin | 3.1739% | 4,765 |
| Noninterest income to average assets | 0.9868% | 1,215 |
| Noninterest expense to average assets | 2.9864% | 2,567 |
| Loan and lease loss provision to assets | -0.0493% | 5,915 |
| Net operating income to assets | 0.9621% | 2,659 |
| Return on assets (ROA) | 0.9680% | 2,714 |
| Pretax return on assets | 0.9680% | 3,751 |
| Return on Equity (ROE) | 9.1440% | 2,496 |
| Retained earnings to average equity (ytd only) | 2.3304% | 4,723 |
| Net charge-offs to loans | -0.0289% | 5,346 |
| Credit loss provision to net charge-offs | 378.4530% | 795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8211% | 2,272 |
| Assets per employee ($millions) | 4.7908% | 2,574 |
| Cash dividends to net income (ytd only)* | 74.5148% | 870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7446% | 1,373 |
| Loan loss allowance to noncurrent loans | 165.4312% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 3,767 |
| Noncurrent loans to loans | 1.0546% | 2,375 |
| Net loans and leases to total assets | 46.8336% | 5,164 |
| Net loans and leases to deposits | 54.9105% | 5,191 |
| Net loans and leases to core deposits | 56.6807% | 5,269 |
| Total domestic deposits to total assets | 85.2907% | 2,889 |
| Equity capital to assets | 10.7307% | 3,324 |
| Core capital (leverage) ratio | 8.8674% | 5,156 |
| Tier 1 risk-based capital ratio | 13.1501% | 4,345 |
| Total risk-based capital ratio | 14.4003% | 4,267 |
| Memoranda: |
| Average total assets | $1,852,195,750 | 400 |
| Average earning assets | $1,699,590,750 | 397 |
| Average equity | $196,073,000 | 425 |
| Average total loans | $834,606,500 | 564 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3362% | 5,372 |
| Cost of funding earning assets | 0.2180% | 5,282 |
| Net interest margin | 3.1182% | 4,921 |
| Noninterest income to average assets | 0.9830% | 1,215 |
| Noninterest expense to average assets | 2.9658% | 2,663 |
| Loan and lease loss provision to assets | -0.0498% | 6,029 |
| Net operating income to assets | 0.9242% | 2,762 |
| Return on assets (ROA) | 0.9249% | 2,884 |
| Pretax return on assets | 0.9249% | 3,867 |
| Return on Equity (ROE) | 8.7776% | 2,672 |
| Retained earnings to average equity (ytd only) | 0.9968% | 5,170 |
| Net charge-offs to loans | -0.0258% | 5,266 |
| Credit loss provision to net charge-offs | 437.1429% | 694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4465% | 2,288 |
| Assets per employee ($millions) | 4.8108% | 2,523 |
| Cash dividends to net income (ytd only)* | 88.6441% | 743 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8676% | 1,230 |
| Loan loss allowance to noncurrent loans | 244.0186% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 4,382 |
| Noncurrent loans to loans | 0.7653% | 3,200 |
| Net loans and leases to total assets | 44.3873% | 5,361 |
| Net loans and leases to deposits | 51.6525% | 5,403 |
| Net loans and leases to core deposits | 53.4331% | 5,458 |
| Total domestic deposits to total assets | 85.9344% | 2,721 |
| Equity capital to assets | 10.2600% | 3,738 |
| Core capital (leverage) ratio | 8.7262% | 5,293 |
| Tier 1 risk-based capital ratio | 13.5120% | 4,217 |
| Total risk-based capital ratio | 14.7631% | 4,148 |
| Memoranda: |
| Average total assets | $1,845,187,330 | 405 |
| Average earning assets | $1,690,802,330 | 400 |
| Average equity | $194,427,670 | 428 |
| Average total loans | $815,184,330 | 571 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2832% | 5,483 |
| Cost of funding earning assets | 0.2194% | 5,322 |
| Net interest margin | 3.0637% | 5,049 |
| Noninterest income to average assets | 0.9168% | 1,335 |
| Noninterest expense to average assets | 3.0109% | 2,551 |
| Loan and lease loss provision to assets | -0.0507% | 6,160 |
| Net operating income to assets | 0.7595% | 3,488 |
| Return on assets (ROA) | 0.7604% | 3,619 |
| Pretax return on assets | 0.7604% | 4,390 |
| Return on Equity (ROE) | 7.1217% | 3,446 |
| Retained earnings to average equity (ytd only) | 3.5608% | 3,868 |
| Net charge-offs to loans | -0.0220% | 5,089 |
| Credit loss provision to net charge-offs | 529.5455% | 517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1311% | 1,887 |
| Assets per employee ($millions) | 4.7951% | 2,633 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9919% | 1,100 |
| Loan loss allowance to noncurrent loans | 209.9617% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 3,990 |
| Noncurrent loans to loans | 0.9487% | 2,878 |
| Net loans and leases to total assets | 42.4671% | 5,452 |
| Net loans and leases to deposits | 49.8339% | 5,467 |
| Net loans and leases to core deposits | 51.5544% | 5,519 |
| Total domestic deposits to total assets | 85.2173% | 3,298 |
| Equity capital to assets | 10.8705% | 3,119 |
| Core capital (leverage) ratio | 9.0011% | 4,950 |
| Tier 1 risk-based capital ratio | 14.1569% | 3,908 |
| Total risk-based capital ratio | 15.4087% | 3,837 |
| Memoranda: |
| Average total assets | $1,836,895,500 | 407 |
| Average earning assets | $1,680,566,500 | 403 |
| Average equity | $196,133,000 | 427 |
| Average total loans | $801,718,000 | 577 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2040% | 5,834 |
| Cost of funding earning assets | 0.2230% | 5,570 |
| Net interest margin | 2.9810% | 5,486 |
| Noninterest income to average assets | 1.0025% | 1,211 |
| Noninterest expense to average assets | 3.0051% | 2,830 |
| Loan and lease loss provision to assets | 0.0028% | 4,548 |
| Net operating income to assets | 0.7049% | 3,869 |
| Return on assets (ROA) | 0.7306% | 3,843 |
| Pretax return on assets | 0.7306% | 4,510 |
| Return on Equity (ROE) | 6.9854% | 3,645 |
| Retained earnings to average equity (ytd only) | -3.9456% | 6,136 |
| Net charge-offs to loans | -0.0548% | 5,956 |
| Credit loss provision to net charge-offs | -11.8765% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1044% | 1,913 |
| Assets per employee ($millions) | 5.1044% | 2,188 |
| Cash dividends to net income (ytd only)* | 156.4832% | 142 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9962% | 1,119 |
| Loan loss allowance to noncurrent loans | 252.5679% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 4,240 |
| Noncurrent loans to loans | 0.7903% | 3,333 |
| Net loans and leases to total assets | 43.0844% | 5,532 |
| Net loans and leases to deposits | 50.4999% | 5,560 |
| Net loans and leases to core deposits | 52.3210% | 5,598 |
| Total domestic deposits to total assets | 85.3157% | 3,158 |
| Equity capital to assets | 10.4834% | 3,507 |
| Core capital (leverage) ratio | 8.7766% | 5,262 |
| Tier 1 risk-based capital ratio | 14.1972% | 3,970 |
| Total risk-based capital ratio | 15.4487% | 3,898 |
| Memoranda: |
| Average total assets | $1,805,128,600 | 401 |
| Average earning assets | $1,641,193,600 | 395 |
| Average equity | $188,793,200 | 425 |
| Average total loans | $767,795,000 | 569 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3576% | 5,660 |
| Cost of funding earning assets | 0.2459% | 5,446 |
| Net interest margin | 3.1117% | 5,222 |
| Noninterest income to average assets | 1.1231% | 961 |
| Noninterest expense to average assets | 3.2067% | 2,157 |
| Loan and lease loss provision to assets | 0.0024% | 4,357 |
| Net operating income to assets | 0.7333% | 3,764 |
| Return on assets (ROA) | 0.7679% | 3,681 |
| Pretax return on assets | 0.7679% | 4,472 |
| Return on Equity (ROE) | 7.5788% | 3,408 |
| Retained earnings to average equity (ytd only) | -4.0439% | 6,213 |
| Net charge-offs to loans | -0.0514% | 5,920 |
| Credit loss provision to net charge-offs | -11.6000% | 5,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6577% | 1,815 |
| Assets per employee ($millions) | 4.4982% | 2,975 |
| Cash dividends to net income (ytd only)* | 153.3580% | 131 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4152% | 716 |
| Loan loss allowance to noncurrent loans | 254.8356% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 4,548 |
| Noncurrent loans to loans | 0.9478% | 3,193 |
| Net loans and leases to total assets | 40.0897% | 5,806 |
| Net loans and leases to deposits | 46.8086% | 5,832 |
| Net loans and leases to core deposits | 48.3784% | 5,866 |
| Total domestic deposits to total assets | 85.6460% | 3,044 |
| Equity capital to assets | 10.1907% | 3,942 |
| Core capital (leverage) ratio | 8.9542% | 5,130 |
| Tier 1 risk-based capital ratio | 15.0317% | 3,564 |
| Total risk-based capital ratio | 16.2861% | 3,502 |
| Memoranda: |
| Average total assets | $1,589,904,500 | 439 |
| Average earning assets | $1,440,479,250 | 433 |
| Average equity | $161,095,500 | 476 |
| Average total loans | $648,595,000 | 667 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3566% | 5,700 |
| Cost of funding earning assets | 0.2507% | 5,477 |
| Net interest margin | 3.1059% | 5,238 |
| Noninterest income to average assets | 0.9873% | 1,237 |
| Noninterest expense to average assets | 3.1976% | 2,200 |
| Loan and lease loss provision to assets | 0.0024% | 4,167 |
| Net operating income to assets | 0.5974% | 4,366 |
| Return on assets (ROA) | 0.6493% | 4,205 |
| Pretax return on assets | 0.6493% | 4,789 |
| Return on Equity (ROE) | 6.4203% | 3,931 |
| Retained earnings to average equity (ytd only) | -11.0900% | 6,442 |
| Net charge-offs to loans | -0.0542% | 5,918 |
| Credit loss provision to net charge-offs | -10.8571% | 5,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4966% | 1,572 |
| Assets per employee ($millions) | 4.4753% | 2,958 |
| Cash dividends to net income (ytd only)* | 272.7326% | 68 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4147% | 801 |
| Loan loss allowance to noncurrent loans | 271.0806% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 4,142 |
| Noncurrent loans to loans | 0.8908% | 3,473 |
| Net loans and leases to total assets | 39.8643% | 5,828 |
| Net loans and leases to deposits | 47.4639% | 5,801 |
| Net loans and leases to core deposits | 49.2821% | 5,835 |
| Total domestic deposits to total assets | 83.9888% | 3,919 |
| Equity capital to assets | 10.0501% | 4,038 |
| Core capital (leverage) ratio | 8.6922% | 5,406 |
| Tier 1 risk-based capital ratio | 14.6384% | 3,844 |
| Total risk-based capital ratio | 15.8926% | 3,791 |
| Memoranda: |
| Average total assets | $1,586,083,670 | 443 |
| Average earning assets | $1,435,024,000 | 436 |
| Average equity | $160,397,000 | 476 |
| Average total loans | $645,502,670 | 663 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3561% | 5,738 |
| Cost of funding earning assets | 0.2529% | 5,549 |
| Net interest margin | 3.1032% | 5,239 |
| Noninterest income to average assets | 0.9085% | 1,361 |
| Noninterest expense to average assets | 3.2823% | 1,984 |
| Loan and lease loss provision to assets | 0.0028% | 3,785 |
| Net operating income to assets | 0.4317% | 5,006 |
| Return on assets (ROA) | 0.4332% | 5,062 |
| Pretax return on assets | 0.4332% | 5,352 |
| Return on Equity (ROE) | 4.2702% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.2702% | 3,562 |
| Net charge-offs to loans | -0.1891% | 6,367 |
| Credit loss provision to net charge-offs | -3.6304% | 4,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5810% | 1,275 |
| Assets per employee ($millions) | 4.4393% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5174% | 801 |
| Loan loss allowance to noncurrent loans | 243.3746% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 3,999 |
| Noncurrent loans to loans | 1.0344% | 3,359 |
| Net loans and leases to total assets | 39.2394% | 5,861 |
| Net loans and leases to deposits | 45.9915% | 5,852 |
| Net loans and leases to core deposits | 47.8978% | 5,878 |
| Total domestic deposits to total assets | 85.3187% | 3,713 |
| Equity capital to assets | 10.4291% | 3,320 |
| Core capital (leverage) ratio | 9.5474% | 4,217 |
| Tier 1 risk-based capital ratio | 16.3216% | 2,996 |
| Total risk-based capital ratio | 17.5765% | 2,958 |
| Memoranda: |
| Average total assets | $1,578,055,000 | 448 |
| Average earning assets | $1,428,091,000 | 445 |
| Average equity | $160,087,500 | 478 |
| Average total loans | $641,010,500 | 669 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4064% | 5,826 |
| Cost of funding earning assets | 0.2930% | 5,652 |
| Net interest margin | 3.1134% | 5,275 |
| Noninterest income to average assets | 1.1715% | 1,024 |
| Noninterest expense to average assets | 3.1782% | 2,485 |
| Loan and lease loss provision to assets | 0.0410% | 4,299 |
| Net operating income to assets | 0.7396% | 3,612 |
| Return on assets (ROA) | 0.7565% | 3,603 |
| Pretax return on assets | 0.7592% | 4,304 |
| Return on Equity (ROE) | 7.2692% | 3,424 |
| Retained earnings to average equity (ytd only) | 5.3812% | 2,363 |
| Net charge-offs to loans | 0.0687% | 4,247 |
| Credit loss provision to net charge-offs | 146.3252% | 1,592 |
| Earnings coverage of net charge-offs (x) | 27.9287% | 1,251 |
| Efficiency ratio | 79.5415% | 2,228 |
| Assets per employee ($millions) | 4.4263% | 3,035 |
| Cash dividends to net income (ytd only)* | 25.9721% | 3,459 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4034% | 927 |
| Loan loss allowance to noncurrent loans | 231.1075% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 4,123 |
| Noncurrent loans to loans | 1.0400% | 3,433 |
| Net loans and leases to total assets | 39.9998% | 5,963 |
| Net loans and leases to deposits | 46.7257% | 5,965 |
| Net loans and leases to core deposits | 48.6528% | 5,995 |
| Total domestic deposits to total assets | 85.6056% | 3,455 |
| Equity capital to assets | 9.8625% | 3,950 |
| Core capital (leverage) ratio | 9.0759% | 4,896 |
| Tier 1 risk-based capital ratio | 15.8871% | 3,155 |
| Total risk-based capital ratio | 17.1415% | 3,109 |
| Memoranda: |
| Average total assets | $1,601,096,600 | 434 |
| Average earning assets | $1,434,743,400 | 430 |
| Average equity | $166,635,400 | 448 |
| Average total loans | $653,470,000 | 645 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3963% | 5,884 |
| Cost of funding earning assets | 0.3028% | 5,707 |
| Net interest margin | 3.0935% | 5,333 |
| Noninterest income to average assets | 1.1301% | 1,144 |
| Noninterest expense to average assets | 3.1240% | 2,584 |
| Loan and lease loss provision to assets | 0.0535% | 3,965 |
| Net operating income to assets | 0.7168% | 3,773 |
| Return on assets (ROA) | 0.7394% | 3,778 |
| Pretax return on assets | 0.7406% | 4,529 |
| Return on Equity (ROE) | 7.0138% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.5351% | 3,447 |
| Net charge-offs to loans | -0.0194% | 6,034 |
| Credit loss provision to net charge-offs | -677.8947% | 6,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4985% | 2,183 |
| Assets per employee ($millions) | 4.4805% | 2,913 |
| Cash dividends to net income (ytd only)* | 35.3403% | 2,452 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4970% | 937 |
| Loan loss allowance to noncurrent loans | 200.9086% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.9836% | 3,692 |
| Noncurrent loans to loans | 1.2429% | 3,326 |
| Net loans and leases to total assets | 39.8490% | 6,043 |
| Net loans and leases to deposits | 47.7715% | 5,978 |
| Net loans and leases to core deposits | 49.2558% | 6,054 |
| Total domestic deposits to total assets | 83.4158% | 4,408 |
| Equity capital to assets | 10.1844% | 3,662 |
| Core capital (leverage) ratio | 9.1406% | 4,906 |
| Tier 1 risk-based capital ratio | 15.5630% | 3,445 |
| Total risk-based capital ratio | 16.8092% | 3,401 |
| Memoranda: |
| Average total assets | $1,605,217,250 | 434 |
| Average earning assets | $1,434,936,500 | 431 |
| Average equity | $169,223,750 | 445 |
| Average total loans | $654,474,500 | 643 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3854% | 5,938 |
| Cost of funding earning assets | 0.3133% | 5,730 |
| Net interest margin | 3.0721% | 5,360 |
| Noninterest income to average assets | 1.1479% | 1,155 |
| Noninterest expense to average assets | 3.1149% | 2,623 |
| Loan and lease loss provision to assets | 0.0776% | 3,508 |
| Net operating income to assets | 0.6967% | 3,821 |
| Return on assets (ROA) | 0.7302% | 3,834 |
| Pretax return on assets | 0.7313% | 4,570 |
| Return on Equity (ROE) | 6.8501% | 3,697 |
| Retained earnings to average equity (ytd only) | 3.1907% | 4,283 |
| Net charge-offs to loans | 0.0137% | 4,576 |
| Credit loss provision to net charge-offs | 1,391.1111% | 229 |
| Earnings coverage of net charge-offs (x) | 138.9778% | 356 |
| Efficiency ratio | 79.3734% | 2,244 |
| Assets per employee ($millions) | 4.4610% | 2,880 |
| Cash dividends to net income (ytd only)* | 53.4216% | 1,722 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4432% | 1,046 |
| Loan loss allowance to noncurrent loans | 119.6422% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.2070% | 3,333 |
| Noncurrent loans to loans | 2.0421% | 2,350 |
| Net loans and leases to total assets | 40.4132% | 6,017 |
| Net loans and leases to deposits | 48.6974% | 5,938 |
| Net loans and leases to core deposits | 50.3482% | 6,007 |
| Total domestic deposits to total assets | 82.9884% | 4,700 |
| Equity capital to assets | 10.0530% | 3,850 |
| Core capital (leverage) ratio | 8.6802% | 5,449 |
| Tier 1 risk-based capital ratio | 15.3422% | 3,570 |
| Total risk-based capital ratio | 16.5985% | 3,523 |
| Memoranda: |
| Average total assets | $1,613,079,670 | 431 |
| Average earning assets | $1,440,014,330 | 432 |
| Average equity | $171,938,330 | 441 |
| Average total loans | $657,164,330 | 637 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3638% | 6,016 |
| Cost of funding earning assets | 0.3365% | 5,666 |
| Net interest margin | 3.0273% | 5,493 |
| Noninterest income to average assets | 1.1107% | 1,206 |
| Noninterest expense to average assets | 3.1067% | 2,653 |
| Loan and lease loss provision to assets | 0.0773% | 3,342 |
| Net operating income to assets | 0.6076% | 4,178 |
| Return on assets (ROA) | 0.6739% | 3,981 |
| Pretax return on assets | 0.6751% | 4,682 |
| Return on Equity (ROE) | 6.1525% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.1525% | 2,598 |
| Net charge-offs to loans | 0.0140% | 3,867 |
| Credit loss provision to net charge-offs | 1,369.5652% | 237 |
| Earnings coverage of net charge-offs (x) | 121.5652% | 316 |
| Efficiency ratio | 81.2047% | 2,164 |
| Assets per employee ($millions) | 4.6304% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4631% | 1,159 |
| Loan loss allowance to noncurrent loans | 201.7224% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 3,974 |
| Noncurrent loans to loans | 1.2210% | 3,734 |
| Net loans and leases to total assets | 38.6791% | 6,102 |
| Net loans and leases to deposits | 47.8257% | 5,931 |
| Net loans and leases to core deposits | 49.5532% | 6,002 |
| Total domestic deposits to total assets | 80.8751% | 5,532 |
| Equity capital to assets | 11.0935% | 2,856 |
| Core capital (leverage) ratio | 8.6760% | 5,357 |
| Tier 1 risk-based capital ratio | 15.5469% | 3,506 |
| Total risk-based capital ratio | 16.8031% | 3,464 |
| Memoranda: |
| Average total assets | $1,630,028,500 | 431 |
| Average earning assets | $1,444,203,500 | 433 |
| Average equity | $178,530,000 | 431 |
| Average total loans | $658,656,000 | 635 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9705% | 5,396 |
| Cost of funding earning assets | 0.4227% | 5,769 |
| Net interest margin | 3.5477% | 4,310 |
| Noninterest income to average assets | 1.2100% | 1,075 |
| Noninterest expense to average assets | 3.4611% | 1,922 |
| Loan and lease loss provision to assets | 0.2818% | 2,401 |
| Net operating income to assets | 0.6351% | 4,065 |
| Return on assets (ROA) | 0.7596% | 3,710 |
| Pretax return on assets | 0.7612% | 4,443 |
| Return on Equity (ROE) | 6.6650% | 3,832 |
| Retained earnings to average equity (ytd only) | 2.6877% | 4,346 |
| Net charge-offs to loans | 0.8509% | 1,351 |
| Credit loss provision to net charge-offs | 72.3835% | 4,091 |
| Earnings coverage of net charge-offs (x) | 2.3591% | 4,232 |
| Efficiency ratio | 78.2791% | 2,399 |
| Assets per employee ($millions) | 4.7784% | 2,524 |
| Cash dividends to net income (ytd only)* | 59.6736% | 1,820 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2645% | 1,429 |
| Loan loss allowance to noncurrent loans | 185.6334% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 3,967 |
| Noncurrent loans to loans | 1.2199% | 3,812 |
| Net loans and leases to total assets | 40.2067% | 6,154 |
| Net loans and leases to deposits | 48.6798% | 6,057 |
| Net loans and leases to core deposits | 50.2569% | 6,133 |
| Total domestic deposits to total assets | 82.5941% | 4,893 |
| Equity capital to assets | 10.8156% | 3,160 |
| Core capital (leverage) ratio | 8.5596% | 5,522 |
| Tier 1 risk-based capital ratio | 14.7319% | 3,876 |
| Total risk-based capital ratio | 15.9872% | 3,828 |
| Memoranda: |
| Average total assets | $1,548,657,400 | 436 |
| Average earning assets | $1,383,587,000 | 442 |
| Average equity | $176,505,000 | 430 |
| Average total loans | $708,546,200 | 584 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0655% | 5,303 |
| Cost of funding earning assets | 0.4384% | 5,876 |
| Net interest margin | 3.6271% | 4,118 |
| Noninterest income to average assets | 1.2227% | 998 |
| Noninterest expense to average assets | 3.5179% | 1,716 |
| Loan and lease loss provision to assets | 0.3014% | 2,190 |
| Net operating income to assets | 0.6710% | 4,038 |
| Return on assets (ROA) | 0.8296% | 3,548 |
| Pretax return on assets | 0.8312% | 4,375 |
| Return on Equity (ROE) | 7.1793% | 3,711 |
| Retained earnings to average equity (ytd only) | 5.3036% | 3,154 |
| Net charge-offs to loans | 0.5984% | 1,837 |
| Credit loss provision to net charge-offs | 107.1606% | 2,741 |
| Earnings coverage of net charge-offs (x) | 3.4626% | 3,635 |
| Efficiency ratio | 77.5720% | 2,445 |
| Assets per employee ($millions) | 4.4437% | 3,006 |
| Cash dividends to net income (ytd only)* | 26.1269% | 2,804 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5331% | 1,171 |
| Loan loss allowance to noncurrent loans | 150.2128% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 1.5425% | 3,268 |
| Noncurrent loans to loans | 1.6863% | 3,264 |
| Net loans and leases to total assets | 42.7914% | 6,057 |
| Net loans and leases to deposits | 50.9698% | 6,041 |
| Net loans and leases to core deposits | 53.6989% | 6,069 |
| Total domestic deposits to total assets | 83.9545% | 4,241 |
| Equity capital to assets | 11.7928% | 2,441 |
| Core capital (leverage) ratio | 9.0417% | 4,995 |
| Tier 1 risk-based capital ratio | 15.4529% | 3,568 |
| Total risk-based capital ratio | 16.7114% | 3,518 |
| Memoranda: |
| Average total assets | $1,522,494,000 | 441 |
| Average earning assets | $1,372,250,500 | 438 |
| Average equity | $175,927,500 | 426 |
| Average total loans | $715,647,000 | 577 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1510% | 5,127 |
| Cost of funding earning assets | 0.4530% | 5,955 |
| Net interest margin | 3.6981% | 3,830 |
| Noninterest income to average assets | 1.1510% | 1,070 |
| Noninterest expense to average assets | 3.5678% | 1,645 |
| Loan and lease loss provision to assets | 0.3472% | 1,895 |
| Net operating income to assets | 0.5615% | 4,527 |
| Return on assets (ROA) | 0.7399% | 3,924 |
| Pretax return on assets | 0.7415% | 4,701 |
| Return on Equity (ROE) | 6.4486% | 4,069 |
| Retained earnings to average equity (ytd only) | 3.5945% | 4,201 |
| Net charge-offs to loans | 0.5899% | 1,838 |
| Credit loss provision to net charge-offs | 122.4452% | 2,241 |
| Earnings coverage of net charge-offs (x) | 3.2105% | 3,457 |
| Efficiency ratio | 78.9216% | 2,337 |
| Assets per employee ($millions) | 3.9835% | 3,909 |
| Cash dividends to net income (ytd only)* | 44.2597% | 1,982 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5352% | 1,237 |
| Loan loss allowance to noncurrent loans | 106.0110% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 2.0965% | 2,671 |
| Noncurrent loans to loans | 2.3914% | 2,508 |
| Net loans and leases to total assets | 44.2184% | 5,999 |
| Net loans and leases to deposits | 52.6012% | 5,982 |
| Net loans and leases to core deposits | 55.6037% | 5,973 |
| Total domestic deposits to total assets | 84.0635% | 4,294 |
| Equity capital to assets | 11.5439% | 2,549 |
| Core capital (leverage) ratio | 8.9222% | 5,020 |
| Tier 1 risk-based capital ratio | 14.8715% | 3,854 |
| Total risk-based capital ratio | 16.1301% | 3,801 |
| Memoranda: |
| Average total assets | $1,511,555,000 | 444 |
| Average earning assets | $1,359,959,330 | 447 |
| Average equity | $173,432,000 | 433 |
| Average total loans | $726,583,670 | 565 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2147% | 5,057 |
| Cost of funding earning assets | 0.4725% | 5,997 |
| Net interest margin | 3.7422% | 3,629 |
| Noninterest income to average assets | 1.0874% | 1,221 |
| Noninterest expense to average assets | 3.6757% | 1,417 |
| Loan and lease loss provision to assets | 0.4039% | 1,567 |
| Net operating income to assets | 0.3690% | 5,390 |
| Return on assets (ROA) | 0.7269% | 3,980 |
| Pretax return on assets | 0.7285% | 4,695 |
| Return on Equity (ROE) | 6.3550% | 4,113 |
| Retained earnings to average equity (ytd only) | 6.3550% | 2,769 |
| Net charge-offs to loans | 0.4614% | 1,940 |
| Credit loss provision to net charge-offs | 177.0396% | 1,449 |
| Earnings coverage of net charge-offs (x) | 3.3951% | 2,854 |
| Efficiency ratio | 81.8377% | 1,954 |
| Assets per employee ($millions) | 3.9283% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4518% | 1,423 |
| Loan loss allowance to noncurrent loans | 93.2415% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 2.3080% | 2,569 |
| Noncurrent loans to loans | 2.6295% | 2,472 |
| Net loans and leases to total assets | 46.8800% | 5,689 |
| Net loans and leases to deposits | 55.8484% | 5,622 |
| Net loans and leases to core deposits | 58.3905% | 5,680 |
| Total domestic deposits to total assets | 83.9416% | 4,522 |
| Equity capital to assets | 11.4452% | 2,488 |
| Core capital (leverage) ratio | 9.2017% | 4,514 |
| Tier 1 risk-based capital ratio | 14.5079% | 4,099 |
| Total risk-based capital ratio | 15.7663% | 4,049 |
| Memoranda: |
| Average total assets | $1,504,487,000 | 443 |
| Average earning assets | $1,351,930,000 | 448 |
| Average equity | $172,085,500 | 432 |
| Average total loans | $743,783,500 | 549 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6356% | 4,523 |
| Cost of funding earning assets | 0.6128% | 6,027 |
| Net interest margin | 4.0228% | 2,775 |
| Noninterest income to average assets | 1.2120% | 901 |
| Noninterest expense to average assets | 3.6825% | 1,566 |
| Loan and lease loss provision to assets | 0.5596% | 1,864 |
| Net operating income to assets | 0.5665% | 4,166 |
| Return on assets (ROA) | 0.6367% | 3,999 |
| Pretax return on assets | 0.6386% | 4,562 |
| Return on Equity (ROE) | 5.9447% | 3,894 |
| Retained earnings to average equity (ytd only) | 4.9922% | 2,644 |
| Net charge-offs to loans | 1.0841% | 1,591 |
| Credit loss provision to net charge-offs | 93.4274% | 3,857 |
| Earnings coverage of net charge-offs (x) | 1.8832% | 4,368 |
| Efficiency ratio | 75.7177% | 2,929 |
| Assets per employee ($millions) | 3.8476% | 4,210 |
| Cash dividends to net income (ytd only)* | 16.0223% | 3,684 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2324% | 1,739 |
| Loan loss allowance to noncurrent loans | 89.6659% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 2.4818% | 2,448 |
| Noncurrent loans to loans | 2.4897% | 2,636 |
| Net loans and leases to total assets | 49.6827% | 5,629 |
| Net loans and leases to deposits | 59.5144% | 5,543 |
| Net loans and leases to core deposits | 62.2244% | 5,632 |
| Total domestic deposits to total assets | 83.4801% | 4,549 |
| Equity capital to assets | 11.4311% | 2,565 |
| Core capital (leverage) ratio | 8.6257% | 5,349 |
| Tier 1 risk-based capital ratio | 13.8820% | 4,412 |
| Total risk-based capital ratio | 15.1391% | 4,366 |
| Memoranda: |
| Average total assets | $1,491,036,200 | 448 |
| Average earning assets | $1,333,776,400 | 449 |
| Average equity | $159,689,000 | 442 |
| Average total loans | $823,830,400 | 504 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6965% | 4,480 |
| Cost of funding earning assets | 0.6396% | 6,098 |
| Net interest margin | 4.0569% | 2,663 |
| Noninterest income to average assets | 1.1842% | 941 |
| Noninterest expense to average assets | 3.6871% | 1,520 |
| Loan and lease loss provision to assets | 0.6107% | 1,613 |
| Net operating income to assets | 0.5137% | 4,482 |
| Return on assets (ROA) | 0.5976% | 4,278 |
| Pretax return on assets | 0.5998% | 4,815 |
| Return on Equity (ROE) | 5.6765% | 4,192 |
| Retained earnings to average equity (ytd only) | 4.3817% | 3,607 |
| Net charge-offs to loans | 0.9660% | 1,665 |
| Credit loss provision to net charge-offs | 112.1461% | 2,921 |
| Earnings coverage of net charge-offs (x) | 2.0690% | 4,110 |
| Efficiency ratio | 75.7615% | 2,873 |
| Assets per employee ($millions) | 3.7672% | 4,371 |
| Cash dividends to net income (ytd only)* | 22.8105% | 2,807 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3256% | 1,648 |
| Loan loss allowance to noncurrent loans | 80.2443% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 2.8575% | 2,267 |
| Noncurrent loans to loans | 2.8982% | 2,409 |
| Net loans and leases to total assets | 51.2618% | 5,546 |
| Net loans and leases to deposits | 61.1731% | 5,488 |
| Net loans and leases to core deposits | 64.1042% | 5,600 |
| Total domestic deposits to total assets | 83.7979% | 4,326 |
| Equity capital to assets | 11.2693% | 2,895 |
| Core capital (leverage) ratio | 8.8276% | 5,214 |
| Tier 1 risk-based capital ratio | 13.3225% | 4,867 |
| Total risk-based capital ratio | 14.5808% | 4,833 |
| Memoranda: |
| Average total assets | $1,487,690,500 | 450 |
| Average earning assets | $1,330,988,250 | 456 |
| Average equity | $156,618,250 | 458 |
| Average total loans | $838,662,250 | 502 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7814% | 4,164 |
| Cost of funding earning assets | 0.6634% | 6,153 |
| Net interest margin | 4.1180% | 2,347 |
| Noninterest income to average assets | 1.0820% | 1,108 |
| Noninterest expense to average assets | 3.6658% | 1,592 |
| Loan and lease loss provision to assets | 0.6879% | 1,386 |
| Net operating income to assets | 0.4044% | 4,924 |
| Return on assets (ROA) | 0.4880% | 4,695 |
| Pretax return on assets | 0.4902% | 5,102 |
| Return on Equity (ROE) | 4.7484% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.7484% | 3,159 |
| Net charge-offs to loans | 0.6478% | 2,227 |
| Credit loss provision to net charge-offs | 184.0679% | 1,642 |
| Earnings coverage of net charge-offs (x) | 2.9288% | 3,383 |
| Efficiency ratio | 76.1586% | 2,986 |
| Assets per employee ($millions) | 3.6629% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4424% | 1,530 |
| Loan loss allowance to noncurrent loans | 72.8516% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 3.5063% | 1,880 |
| Noncurrent loans to loans | 3.3526% | 2,127 |
| Net loans and leases to total assets | 53.5351% | 5,359 |
| Net loans and leases to deposits | 63.4810% | 5,342 |
| Net loans and leases to core deposits | 66.5476% | 5,440 |
| Total domestic deposits to total assets | 84.3325% | 4,204 |
| Equity capital to assets | 10.7543% | 3,221 |
| Core capital (leverage) ratio | 8.5780% | 5,434 |
| Tier 1 risk-based capital ratio | 12.8870% | 5,011 |
| Total risk-based capital ratio | 14.1469% | 4,977 |
| Memoranda: |
| Average total assets | $1,481,295,000 | 457 |
| Average earning assets | $1,323,170,000 | 465 |
| Average equity | $152,219,670 | 468 |
| Average total loans | $854,601,670 | 501 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7693% | 4,207 |
| Cost of funding earning assets | 0.6829% | 6,236 |
| Net interest margin | 4.0864% | 2,318 |
| Noninterest income to average assets | 1.0730% | 1,141 |
| Noninterest expense to average assets | 3.7834% | 1,366 |
| Loan and lease loss provision to assets | 0.6968% | 1,211 |
| Net operating income to assets | 0.2443% | 5,634 |
| Return on assets (ROA) | 0.2945% | 5,507 |
| Pretax return on assets | 0.2975% | 5,663 |
| Return on Equity (ROE) | 2.9345% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.9345% | 4,407 |
| Net charge-offs to loans | 0.5068% | 2,210 |
| Credit loss provision to net charge-offs | 232.5497% | 1,320 |
| Earnings coverage of net charge-offs (x) | 3.1492% | 2,835 |
| Efficiency ratio | 79.1851% | 2,667 |
| Assets per employee ($millions) | 3.5114% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2520% | 1,854 |
| Loan loss allowance to noncurrent loans | 62.1546% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 3.8036% | 1,772 |
| Noncurrent loans to loans | 3.6232% | 2,049 |
| Net loans and leases to total assets | 56.9504% | 4,807 |
| Net loans and leases to deposits | 67.1380% | 4,809 |
| Net loans and leases to core deposits | 70.7051% | 4,962 |
| Total domestic deposits to total assets | 84.8260% | 4,119 |
| Equity capital to assets | 10.2730% | 3,439 |
| Core capital (leverage) ratio | 8.5834% | 5,293 |
| Tier 1 risk-based capital ratio | 12.3416% | 5,406 |
| Total risk-based capital ratio | 13.5999% | 5,390 |
| Memoranda: |
| Average total assets | $1,476,545,000 | 462 |
| Average earning assets | $1,320,267,500 | 472 |
| Average equity | $148,167,500 | 475 |
| Average total loans | $872,862,500 | 504 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0326% | 4,401 |
| Cost of funding earning assets | 0.8981% | 6,182 |
| Net interest margin | 4.1345% | 2,431 |
| Noninterest income to average assets | 1.0631% | 1,325 |
| Noninterest expense to average assets | 3.7056% | 1,691 |
| Loan and lease loss provision to assets | 1.1023% | 1,447 |
| Net operating income to assets | -0.0441% | 5,919 |
| Return on assets (ROA) | 0.3999% | 4,679 |
| Pretax return on assets | 0.4018% | 4,939 |
| Return on Equity (ROE) | 4.0590% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.0590% | 3,019 |
| Net charge-offs to loans | 2.1378% | 920 |
| Credit loss provision to net charge-offs | 82.4882% | 5,470 |
| Earnings coverage of net charge-offs (x) | 0.7933% | 5,335 |
| Efficiency ratio | 76.7691% | 2,911 |
| Assets per employee ($millions) | 3.6934% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9688% | 2,380 |
| Loan loss allowance to noncurrent loans | 54.8687% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.7238% | 1,844 |
| Noncurrent loans to loans | 3.5882% | 2,092 |
| Net loans and leases to total assets | 58.7657% | 4,907 |
| Net loans and leases to deposits | 70.2293% | 4,788 |
| Net loans and leases to core deposits | 74.1264% | 4,966 |
| Total domestic deposits to total assets | 83.6769% | 4,515 |
| Equity capital to assets | 9.8027% | 3,996 |
| Core capital (leverage) ratio | 7.9341% | 6,282 |
| Tier 1 risk-based capital ratio | 11.6623% | 5,757 |
| Total risk-based capital ratio | 12.9178% | 5,759 |
| Memoranda: |
| Average total assets | $1,539,236,200 | 446 |
| Average earning assets | $1,378,421,600 | 444 |
| Average equity | $151,637,800 | 450 |
| Average total loans | $962,145,800 | 464 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0596% | 4,543 |
| Cost of funding earning assets | 0.9483% | 6,185 |
| Net interest margin | 4.1113% | 2,578 |
| Noninterest income to average assets | 1.0543% | 1,294 |
| Noninterest expense to average assets | 3.9037% | 1,196 |
| Loan and lease loss provision to assets | 1.0242% | 1,443 |
| Net operating income to assets | -0.1941% | 6,313 |
| Return on assets (ROA) | 0.4260% | 4,818 |
| Pretax return on assets | 0.4280% | 5,146 |
| Return on Equity (ROE) | 4.3194% | 4,634 |
| Retained earnings to average equity (ytd only) | 4.3194% | 3,460 |
| Net charge-offs to loans | 1.5088% | 1,329 |
| Credit loss provision to net charge-offs | 107.5318% | 3,968 |
| Earnings coverage of net charge-offs (x) | 0.8736% | 5,174 |
| Efficiency ratio | 81.4447% | 2,136 |
| Assets per employee ($millions) | 3.5719% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3617% | 1,527 |
| Loan loss allowance to noncurrent loans | 60.3255% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 3.8425% | 1,842 |
| Noncurrent loans to loans | 3.9150% | 1,934 |
| Net loans and leases to total assets | 59.3216% | 5,037 |
| Net loans and leases to deposits | 71.8925% | 4,859 |
| Net loans and leases to core deposits | 75.8930% | 5,070 |
| Total domestic deposits to total assets | 82.5143% | 4,796 |
| Equity capital to assets | 10.2112% | 3,865 |
| Core capital (leverage) ratio | 8.1650% | 6,089 |
| Tier 1 risk-based capital ratio | 11.2599% | 6,135 |
| Total risk-based capital ratio | 12.5199% | 6,123 |
| Memoranda: |
| Average total assets | $1,550,083,750 | 438 |
| Average earning assets | $1,388,018,500 | 440 |
| Average equity | $152,889,000 | 445 |
| Average total loans | $978,507,750 | 458 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1071% | 4,416 |
| Cost of funding earning assets | 1.0120% | 6,087 |
| Net interest margin | 4.0951% | 2,585 |
| Noninterest income to average assets | 1.0494% | 1,220 |
| Noninterest expense to average assets | 3.7921% | 1,370 |
| Loan and lease loss provision to assets | 1.0898% | 1,318 |
| Net operating income to assets | -0.1559% | 6,298 |
| Return on assets (ROA) | 0.5534% | 4,215 |
| Pretax return on assets | 0.5551% | 4,720 |
| Return on Equity (ROE) | 5.6770% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.6770% | 2,510 |
| Net charge-offs to loans | 1.5845% | 1,195 |
| Credit loss provision to net charge-offs | 107.6278% | 3,789 |
| Earnings coverage of net charge-offs (x) | 0.9240% | 4,852 |
| Efficiency ratio | 79.2240% | 2,539 |
| Assets per employee ($millions) | 3.6548% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2768% | 1,626 |
| Loan loss allowance to noncurrent loans | 55.0515% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 3.8541% | 1,801 |
| Noncurrent loans to loans | 4.1358% | 1,807 |
| Net loans and leases to total assets | 59.6899% | 5,124 |
| Net loans and leases to deposits | 72.2498% | 4,959 |
| Net loans and leases to core deposits | 76.4545% | 5,147 |
| Total domestic deposits to total assets | 82.6160% | 4,729 |
| Equity capital to assets | 9.9249% | 4,104 |
| Core capital (leverage) ratio | 7.8671% | 6,420 |
| Tier 1 risk-based capital ratio | 10.9009% | 6,346 |
| Total risk-based capital ratio | 12.1601% | 6,320 |
| Memoranda: |
| Average total assets | $1,553,618,000 | 439 |
| Average earning assets | $1,395,456,670 | 441 |
| Average equity | $151,452,330 | 448 |
| Average total loans | $992,898,670 | 458 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2087% | 3,972 |
| Cost of funding earning assets | 1.0777% | 6,006 |
| Net interest margin | 4.1310% | 2,317 |
| Noninterest income to average assets | 1.0101% | 1,268 |
| Noninterest expense to average assets | 3.7013% | 1,515 |
| Loan and lease loss provision to assets | 1.0819% | 1,138 |
| Net operating income to assets | -0.0627% | 6,388 |
| Return on assets (ROA) | 0.9068% | 2,587 |
| Pretax return on assets | 0.9084% | 3,435 |
| Return on Equity (ROE) | 9.5656% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.5656% | 1,252 |
| Net charge-offs to loans | 1.2781% | 1,334 |
| Credit loss provision to net charge-offs | 130.1716% | 2,711 |
| Earnings coverage of net charge-offs (x) | 1.2282% | 4,034 |
| Efficiency ratio | 77.5043% | 2,974 |
| Assets per employee ($millions) | 3.4111% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3414% | 1,515 |
| Loan loss allowance to noncurrent loans | 53.6302% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 4.0331% | 1,698 |
| Noncurrent loans to loans | 4.3658% | 1,732 |
| Net loans and leases to total assets | 63.0987% | 4,515 |
| Net loans and leases to deposits | 77.1370% | 4,195 |
| Net loans and leases to core deposits | 81.3823% | 4,572 |
| Total domestic deposits to total assets | 81.8008% | 5,156 |
| Equity capital to assets | 9.7006% | 4,230 |
| Core capital (leverage) ratio | 7.6875% | 6,641 |
| Tier 1 risk-based capital ratio | 10.1679% | 6,913 |
| Total risk-based capital ratio | 11.4275% | 6,889 |
| Memoranda: |
| Average total assets | $1,486,604,500 | 471 |
| Average earning assets | $1,335,847,500 | 467 |
| Average equity | $140,921,500 | 483 |
| Average total loans | $966,716,500 | 484 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5262% | 4,010 |
| Cost of funding earning assets | 1.4199% | 5,847 |
| Net interest margin | 4.1063% | 2,419 |
| Noninterest income to average assets | 1.0489% | 1,411 |
| Noninterest expense to average assets | 3.3277% | 2,919 |
| Loan and lease loss provision to assets | 2.7027% | 698 |
| Net operating income to assets | -1.2703% | 6,748 |
| Return on assets (ROA) | -1.1070% | 6,651 |
| Pretax return on assets | -1.0961% | 6,474 |
| Return on Equity (ROE) | -10.7683% | 6,678 |
| Retained earnings to average equity (ytd only) | -17.1257% | 6,993 |
| Net charge-offs to loans | 3.3709% | 592 |
| Credit loss provision to net charge-offs | 120.3657% | 4,447 |
| Earnings coverage of net charge-offs (x) | 0.6428% | 5,454 |
| Efficiency ratio | 68.7429% | 4,871 |
| Assets per employee ($millions) | 3.5863% | 4,815 |
| Cash dividends to net income (ytd only)* | -59.0376% | 7,841 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1465% | 1,740 |
| Loan loss allowance to noncurrent loans | 54.4917% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 3.6037% | 1,852 |
| Noncurrent loans to loans | 3.9391% | 1,885 |
| Net loans and leases to total assets | 64.0282% | 4,589 |
| Net loans and leases to deposits | 77.9670% | 4,382 |
| Net loans and leases to core deposits | 89.9484% | 5,130 |
| Total domestic deposits to total assets | 82.1222% | 4,898 |
| Equity capital to assets | 9.2650% | 4,747 |
| Core capital (leverage) ratio | 7.0135% | 7,225 |
| Tier 1 risk-based capital ratio | 9.4055% | 7,276 |
| Total risk-based capital ratio | 10.6630% | 7,254 |
| Memoranda: |
| Average total assets | $1,563,787,200 | 439 |
| Average earning assets | $1,417,455,200 | 444 |
| Average equity | $160,758,200 | 432 |
| Average total loans | $1,041,650,800 | 464 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5340% | 4,247 |
| Cost of funding earning assets | 1.4697% | 5,957 |
| Net interest margin | 4.0643% | 2,532 |
| Noninterest income to average assets | 0.9970% | 1,616 |
| Noninterest expense to average assets | 3.3027% | 2,913 |
| Loan and lease loss provision to assets | 1.3893% | 1,384 |
| Net operating income to assets | -0.0023% | 5,712 |
| Return on assets (ROA) | 0.0622% | 5,611 |
| Pretax return on assets | 0.0759% | 5,565 |
| Return on Equity (ROE) | 0.5912% | 5,617 |
| Retained earnings to average equity (ytd only) | -3.4012% | 6,011 |
| Net charge-offs to loans | 1.5348% | 1,332 |
| Credit loss provision to net charge-offs | 135.3232% | 3,667 |
| Earnings coverage of net charge-offs (x) | 1.3505% | 4,771 |
| Efficiency ratio | 69.4158% | 4,710 |
| Assets per employee ($millions) | 3.6875% | 4,456 |
| Cash dividends to net income (ytd only)* | 675.2708% | 50 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7930% | 2,300 |
| Loan loss allowance to noncurrent loans | 43.5366% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 3.8806% | 1,657 |
| Noncurrent loans to loans | 4.1184% | 1,774 |
| Net loans and leases to total assets | 64.4181% | 4,769 |
| Net loans and leases to deposits | 82.7312% | 3,884 |
| Net loans and leases to core deposits | 96.5392% | 4,748 |
| Total domestic deposits to total assets | 77.8644% | 6,122 |
| Equity capital to assets | 10.8218% | 3,191 |
| Core capital (leverage) ratio | 8.6666% | 5,190 |
| Tier 1 risk-based capital ratio | 11.0862% | 5,865 |
| Total risk-based capital ratio | 12.3400% | 5,819 |
| Memoranda: |
| Average total assets | $1,577,273,500 | 449 |
| Average earning assets | $1,432,887,750 | 454 |
| Average equity | $165,976,000 | 423 |
| Average total loans | $1,055,081,000 | 475 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5542% | 4,318 |
| Cost of funding earning assets | 1.5343% | 6,000 |
| Net interest margin | 4.0200% | 2,618 |
| Noninterest income to average assets | 1.0016% | 1,592 |
| Noninterest expense to average assets | 3.3562% | 2,766 |
| Loan and lease loss provision to assets | 1.0464% | 1,625 |
| Net operating income to assets | 0.2465% | 5,100 |
| Return on assets (ROA) | 0.3870% | 4,662 |
| Pretax return on assets | 0.4064% | 4,913 |
| Return on Equity (ROE) | 3.7119% | 4,613 |
| Retained earnings to average equity (ytd only) | -1.9354% | 5,726 |
| Net charge-offs to loans | 1.1001% | 1,649 |
| Credit loss provision to net charge-offs | 141.2999% | 3,298 |
| Earnings coverage of net charge-offs (x) | 1.7622% | 4,233 |
| Efficiency ratio | 70.9833% | 4,594 |
| Assets per employee ($millions) | 3.6885% | 4,355 |
| Cash dividends to net income (ytd only)* | 152.1384% | 350 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5710% | 2,867 |
| Loan loss allowance to noncurrent loans | 36.1324% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 3.6044% | 1,717 |
| Noncurrent loans to loans | 4.3480% | 1,493 |
| Net loans and leases to total assets | 65.8486% | 4,591 |
| Net loans and leases to deposits | 85.1092% | 3,710 |
| Net loans and leases to core deposits | 97.2144% | 4,765 |
| Total domestic deposits to total assets | 77.3695% | 6,233 |
| Equity capital to assets | 10.3119% | 3,607 |
| Core capital (leverage) ratio | 8.6674% | 5,152 |
| Tier 1 risk-based capital ratio | 11.0839% | 5,794 |
| Total risk-based capital ratio | 12.3355% | 5,711 |
| Memoranda: |
| Average total assets | $1,583,095,000 | 459 |
| Average earning assets | $1,441,206,330 | 461 |
| Average equity | $165,034,670 | 430 |
| Average total loans | $1,065,726,330 | 486 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5983% | 4,362 |
| Cost of funding earning assets | 1.5720% | 6,154 |
| Net interest margin | 4.0263% | 2,550 |
| Noninterest income to average assets | 0.9188% | 1,782 |
| Noninterest expense to average assets | 3.3230% | 2,588 |
| Loan and lease loss provision to assets | 0.8617% | 1,522 |
| Net operating income to assets | 0.3860% | 4,913 |
| Return on assets (ROA) | 0.4468% | 4,839 |
| Pretax return on assets | 0.4833% | 5,129 |
| Return on Equity (ROE) | 4.2633% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.2633% | 3,537 |
| Net charge-offs to loans | 0.6766% | 1,828 |
| Credit loss provision to net charge-offs | 188.6076% | 2,327 |
| Earnings coverage of net charge-offs (x) | 2.7991% | 3,379 |
| Efficiency ratio | 71.1835% | 4,327 |
| Assets per employee ($millions) | 3.7719% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4797% | 3,088 |
| Loan loss allowance to noncurrent loans | 41.9546% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 3.0306% | 1,860 |
| Noncurrent loans to loans | 3.5270% | 1,801 |
| Net loans and leases to total assets | 67.2773% | 4,295 |
| Net loans and leases to deposits | 86.5286% | 3,546 |
| Net loans and leases to core deposits | 99.3363% | 4,606 |
| Total domestic deposits to total assets | 77.7515% | 6,094 |
| Equity capital to assets | 10.9369% | 3,023 |
| Core capital (leverage) ratio | 8.8116% | 4,960 |
| Tier 1 risk-based capital ratio | 11.2888% | 5,610 |
| Total risk-based capital ratio | 12.5395% | 5,522 |
| Memoranda: |
| Average total assets | $1,590,828,500 | 460 |
| Average earning assets | $1,455,218,500 | 459 |
| Average equity | $166,725,500 | 424 |
| Average total loans | $1,074,221,000 | 488 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3089% | 3,916 |
| Cost of funding earning assets | 2.1513% | 5,822 |
| Net interest margin | 4.1576% | 2,474 |
| Noninterest income to average assets | 1.0481% | 1,431 |
| Noninterest expense to average assets | 3.2620% | 3,104 |
| Loan and lease loss provision to assets | 0.3456% | 3,632 |
| Net operating income to assets | 1.2303% | 1,685 |
| Return on assets (ROA) | 1.3321% | 1,353 |
| Pretax return on assets | 1.3378% | 2,177 |
| Return on Equity (ROE) | 12.9786% | 1,330 |
| Retained earnings to average equity (ytd only) | -13.8960% | 7,394 |
| Net charge-offs to loans | 0.3830% | 2,913 |
| Credit loss provision to net charge-offs | 133.4513% | 3,981 |
| Earnings coverage of net charge-offs (x) | 6.1070% | 3,439 |
| Efficiency ratio | 66.2777% | 5,069 |
| Assets per employee ($millions) | 4.0083% | 3,496 |
| Cash dividends to net income (ytd only)* | 207.0691% | 306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2897% | 3,856 |
| Loan loss allowance to noncurrent loans | 55.3630% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 2,797 |
| Noncurrent loans to loans | 2.3295% | 2,371 |
| Net loans and leases to total assets | 65.9404% | 4,853 |
| Net loans and leases to deposits | 87.1231% | 3,920 |
| Net loans and leases to core deposits | 99.5012% | 4,872 |
| Total domestic deposits to total assets | 75.6864% | 6,307 |
| Equity capital to assets | 10.0466% | 3,979 |
| Core capital (leverage) ratio | 8.5044% | 5,575 |
| Tier 1 risk-based capital ratio | 10.9827% | 5,737 |
| Total risk-based capital ratio | 12.1341% | 5,742 |
| Memoranda: |
| Average total assets | $1,527,077,800 | 460 |
| Average earning assets | $1,394,063,800 | 458 |
| Average equity | $156,735,200 | 451 |
| Average total loans | $1,032,576,000 | 478 |
