| 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 | 5.8978% | 604 |
| Cost of funding earning assets | 1.6076% | 1,359 |
| Net interest margin | 4.2901% | 813 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.5101% | 2,210 |
| Loan and lease loss provision to assets | 0.7100% | 101 |
| Net operating income to assets | 1.1758% | 1,864 |
| Return on assets (ROA) | 1.1758% | 1,846 |
| Pretax return on assets | 1.2202% | 2,248 |
| Return on Equity (ROE) | 10.5100% | 2,499 |
| Retained earnings to average equity (ytd only) | -1.4448% | 4,284 |
| Net charge-offs to loans | 1.3578% | 66 |
| Credit loss provision to net charge-offs | 67.6028% | 1,818 |
| Earnings coverage of net charge-offs (x) | 1.8345% | 2,513 |
| Efficiency ratio | 56.5042% | 3,354 |
| Assets per employee ($millions) | 5.8775% | 2,858 |
| Cash dividends to net income (ytd only)* | 113.7466% | 149 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6786% | 736 |
| Loan loss allowance to noncurrent loans | 72.1795% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.8097% | 170 |
| Noncurrent loans to loans | 2.3255% | 219 |
| Net loans and leases to total assets | 76.5100% | 1,061 |
| Net loans and leases to deposits | 92.1997% | 1,035 |
| Net loans and leases to core deposits | 112.2415% | 785 |
| Total domestic deposits to total assets | 82.9900% | 3,020 |
| Equity capital to assets | 10.5093% | 1,552 |
| Core capital (leverage) ratio | 12.0344% | 1,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $126,207,000 | 3,602 |
| Average earning assets | $116,357,750 | 3,593 |
| Average equity | $14,119,250 | 3,323 |
| Average total loans | $97,899,750 | 3,200 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7666% | 580 |
| Cost of funding earning assets | 1.3498% | 1,580 |
| Net interest margin | 4.4168% | 689 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.4350% | 2,388 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.9972% | 470 |
| Return on assets (ROA) | 1.9972% | 468 |
| Pretax return on assets | 2.0308% | 713 |
| Return on Equity (ROE) | 17.4900% | 1,022 |
| Retained earnings to average equity (ytd only) | 6.8551% | 2,339 |
| Net charge-offs to loans | 0.0392% | 1,131 |
| Credit loss provision to net charge-offs | 336.8421% | 803 |
| Earnings coverage of net charge-offs (x) | 70.2632% | 1,114 |
| Efficiency ratio | 53.3054% | 3,665 |
| Assets per employee ($millions) | 5.5819% | 3,074 |
| Cash dividends to net income (ytd only)* | 60.8000% | 964 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0388% | 390 |
| Loan loss allowance to noncurrent loans | 122.8793% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.3039% | 296 |
| Noncurrent loans to loans | 1.6592% | 380 |
| Net loans and leases to total assets | 76.9800% | 948 |
| Net loans and leases to deposits | 92.3820% | 1,000 |
| Net loans and leases to core deposits | 109.7631% | 836 |
| Total domestic deposits to total assets | 83.3300% | 2,977 |
| Equity capital to assets | 11.2872% | 1,279 |
| Core capital (leverage) ratio | 12.7510% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $125,174,667 | 3,624 |
| Average earning assets | $115,423,667 | 3,614 |
| Average equity | $14,296,000 | 3,327 |
| Average total loans | $96,992,333 | 3,208 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5734% | 556 |
| Cost of funding earning assets | 1.1013% | 1,750 |
| Net interest margin | 4.4720% | 607 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.3954% | 2,545 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 2.0361% | 463 |
| Return on assets (ROA) | 2.0361% | 456 |
| Pretax return on assets | 2.0361% | 726 |
| Return on Equity (ROE) | 17.7200% | 1,062 |
| Retained earnings to average equity (ytd only) | 7.0148% | 2,490 |
| Net charge-offs to loans | 0.0884% | 640 |
| Credit loss provision to net charge-offs | 304.7619% | 684 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,270 |
| Efficiency ratio | 51.6399% | 3,807 |
| Assets per employee ($millions) | 5.4592% | 3,258 |
| Cash dividends to net income (ytd only)* | 60.4134% | 949 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1473% | 346 |
| Loan loss allowance to noncurrent loans | 129.6530% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.2767% | 279 |
| Noncurrent loans to loans | 1.6562% | 383 |
| Net loans and leases to total assets | 74.5800% | 1,128 |
| Net loans and leases to deposits | 86.3796% | 1,323 |
| Net loans and leases to core deposits | 100.9323% | 1,047 |
| Total domestic deposits to total assets | 86.3400% | 2,494 |
| Equity capital to assets | 11.3992% | 1,186 |
| Core capital (leverage) ratio | 12.9156% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $123,570,000 | 3,688 |
| Average earning assets | $114,042,000 | 3,680 |
| Average equity | $14,198,500 | 3,368 |
| Average total loans | $95,043,000 | 3,271 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1970% | 226 |
| Cost of funding earning assets | 0.5191% | 1,273 |
| Net interest margin | 4.6779% | 213 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.6327% | 1,724 |
| Loan and lease loss provision to assets | 0.8200% | 57 |
| Net operating income to assets | 1.4465% | 1,016 |
| Return on assets (ROA) | 1.4465% | 975 |
| Pretax return on assets | 1.4967% | 1,462 |
| Return on Equity (ROE) | 12.2400% | 2,061 |
| Retained earnings to average equity (ytd only) | 3.6971% | 3,497 |
| Net charge-offs to loans | 0.3989% | 187 |
| Credit loss provision to net charge-offs | 277.0718% | 950 |
| Earnings coverage of net charge-offs (x) | 7.8039% | 2,292 |
| Efficiency ratio | 53.1509% | 3,863 |
| Assets per employee ($millions) | 5.5263% | 3,188 |
| Cash dividends to net income (ytd only)* | 69.7899% | 671 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1741% | 319 |
| Loan loss allowance to noncurrent loans | 126.2769% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.3514% | 258 |
| Noncurrent loans to loans | 1.7217% | 358 |
| Net loans and leases to total assets | 75.9500% | 1,013 |
| Net loans and leases to deposits | 88.1942% | 1,163 |
| Net loans and leases to core deposits | 98.3763% | 1,086 |
| Total domestic deposits to total assets | 86.1100% | 2,693 |
| Equity capital to assets | 11.5842% | 1,059 |
| Core capital (leverage) ratio | 12.8240% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $121,738,400 | 3,708 |
| Average earning assets | $112,893,000 | 3,695 |
| Average equity | $14,389,600 | 3,424 |
| Average total loans | $90,744,400 | 3,280 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0999% | 185 |
| Cost of funding earning assets | 0.4647% | 910 |
| Net interest margin | 4.6352% | 184 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.3868% | 2,381 |
| Loan and lease loss provision to assets | 0.9200% | 48 |
| Net operating income to assets | 1.5186% | 813 |
| Return on assets (ROA) | 1.5186% | 789 |
| Pretax return on assets | 1.5854% | 1,156 |
| Return on Equity (ROE) | 12.7800% | 1,781 |
| Retained earnings to average equity (ytd only) | 3.5300% | 3,604 |
| Net charge-offs to loans | 0.5358% | 121 |
| Credit loss provision to net charge-offs | 233.5180% | 918 |
| Earnings coverage of net charge-offs (x) | 6.3463% | 2,113 |
| Efficiency ratio | 48.7587% | 4,230 |
| Assets per employee ($millions) | 6.3604% | 2,436 |
| Cash dividends to net income (ytd only)* | 72.3864% | 566 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1417% | 384 |
| Loan loss allowance to noncurrent loans | 102.9924% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.6682% | 188 |
| Noncurrent loans to loans | 2.0794% | 286 |
| Net loans and leases to total assets | 71.5700% | 1,336 |
| Net loans and leases to deposits | 81.3039% | 1,496 |
| Net loans and leases to core deposits | 89.6926% | 1,315 |
| Total domestic deposits to total assets | 88.0300% | 2,431 |
| Equity capital to assets | 11.3076% | 1,067 |
| Core capital (leverage) ratio | 12.6278% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $121,778,250 | 3,737 |
| Average earning assets | $113,044,750 | 3,720 |
| Average equity | $14,466,000 | 3,466 |
| Average total loans | $89,834,000 | 3,300 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2084% | 130 |
| Cost of funding earning assets | 0.4354% | 743 |
| Net interest margin | 4.7731% | 135 |
| Noninterest income to average assets | 0.5127% | 2,129 |
| Noninterest expense to average assets | 2.3573% | 2,378 |
| Loan and lease loss provision to assets | 0.9174% | 46 |
| Net operating income to assets | 1.5743% | 582 |
| Return on assets (ROA) | 1.5743% | 572 |
| Pretax return on assets | 1.6742% | 801 |
| Return on Equity (ROE) | 13.0455% | 1,371 |
| Retained earnings to average equity (ytd only) | 3.1222% | 3,407 |
| Net charge-offs to loans | 0.2126% | 304 |
| Credit loss provision to net charge-offs | 583.3333% | 582 |
| Earnings coverage of net charge-offs (x) | 16.4792% | 1,622 |
| Efficiency ratio | 47.6332% | 4,364 |
| Assets per employee ($millions) | 5.5759% | 3,147 |
| Cash dividends to net income (ytd only)* | 76.0666% | 684 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1080% | 444 |
| Loan loss allowance to noncurrent loans | 42.5459% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 3.6072% | 35 |
| Noncurrent loans to loans | 4.9547% | 63 |
| Net loans and leases to total assets | 70.9790% | 1,202 |
| Net loans and leases to deposits | 80.6764% | 1,337 |
| Net loans and leases to core deposits | 86.2113% | 1,328 |
| Total domestic deposits to total assets | 87.9799% | 2,586 |
| Equity capital to assets | 11.2872% | 1,106 |
| Core capital (leverage) ratio | 12.4349% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $122,088,333 | 3,778 |
| Average earning assets | $113,470,000 | 3,771 |
| Average equity | $14,733,000 | 3,521 |
| Average total loans | $90,315,667 | 3,320 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6682% | 83 |
| Cost of funding earning assets | 0.4265% | 747 |
| Net interest margin | 5.2417% | 84 |
| Noninterest income to average assets | 0.5090% | 2,100 |
| Noninterest expense to average assets | 2.2431% | 2,711 |
| Loan and lease loss provision to assets | 0.8046% | 50 |
| Net operating income to assets | 2.3120% | 150 |
| Return on assets (ROA) | 2.3120% | 148 |
| Pretax return on assets | 2.3449% | 217 |
| Return on Equity (ROE) | 18.5550% | 300 |
| Retained earnings to average equity (ytd only) | 6.4310% | 2,097 |
| Net charge-offs to loans | 0.2857% | 223 |
| Credit loss provision to net charge-offs | 376.9231% | 595 |
| Earnings coverage of net charge-offs (x) | 14.7538% | 1,367 |
| Efficiency ratio | 41.5956% | 4,610 |
| Assets per employee ($millions) | 5.3467% | 3,449 |
| Cash dividends to net income (ytd only)* | 65.3409% | 935 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7470% | 969 |
| Loan loss allowance to noncurrent loans | 37.3124% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 3.4999% | 48 |
| Noncurrent loans to loans | 4.6820% | 72 |
| Net loans and leases to total assets | 72.7650% | 767 |
| Net loans and leases to deposits | 83.4564% | 924 |
| Net loans and leases to core deposits | 89.1308% | 960 |
| Total domestic deposits to total assets | 87.1892% | 2,858 |
| Equity capital to assets | 12.0042% | 952 |
| Core capital (leverage) ratio | 12.7565% | 826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $121,797,500 | 3,802 |
| Average earning assets | $113,474,500 | 3,790 |
| Average equity | $15,176,500 | 3,550 |
| Average total loans | $91,001,000 | 3,316 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8983% | 304 |
| Cost of funding earning assets | 0.5645% | 654 |
| Net interest margin | 4.3337% | 375 |
| Noninterest income to average assets | 0.5466% | 2,374 |
| Noninterest expense to average assets | 2.4955% | 2,194 |
| Loan and lease loss provision to assets | 0.4102% | 163 |
| Net operating income to assets | 1.6187% | 760 |
| Return on assets (ROA) | 1.6212% | 799 |
| Pretax return on assets | 1.6391% | 1,313 |
| Return on Equity (ROE) | 12.9088% | 1,492 |
| Retained earnings to average equity (ytd only) | 8.5429% | 1,331 |
| Net charge-offs to loans | 0.8007% | 84 |
| Credit loss provision to net charge-offs | 69.3370% | 2,020 |
| Earnings coverage of net charge-offs (x) | 3.4599% | 2,542 |
| Efficiency ratio | 54.9379% | 3,831 |
| Assets per employee ($millions) | 5.2444% | 3,522 |
| Cash dividends to net income (ytd only)* | 33.8206% | 2,345 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5518% | 1,385 |
| Loan loss allowance to noncurrent loans | 21.8050% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 5.3979% | 20 |
| Noncurrent loans to loans | 7.1165% | 32 |
| Net loans and leases to total assets | 74.2143% | 647 |
| Net loans and leases to deposits | 86.2492% | 763 |
| Net loans and leases to core deposits | 92.0958% | 871 |
| Total domestic deposits to total assets | 86.0464% | 2,887 |
| Equity capital to assets | 12.9256% | 924 |
| Core capital (leverage) ratio | 12.7371% | 864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $122,382,000 | 3,774 |
| Average earning assets | $112,835,400 | 3,780 |
| Average equity | $15,369,400 | 3,600 |
| Average total loans | $90,418,200 | 3,332 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2493% | 207 |
| Cost of funding earning assets | 0.6041% | 629 |
| Net interest margin | 4.6452% | 246 |
| Noninterest income to average assets | 0.5612% | 2,367 |
| Noninterest expense to average assets | 2.3144% | 2,706 |
| Loan and lease loss provision to assets | 0.4258% | 144 |
| Net operating income to assets | 2.0713% | 413 |
| Return on assets (ROA) | 2.0734% | 435 |
| Pretax return on assets | 2.0973% | 677 |
| Return on Equity (ROE) | 16.6292% | 825 |
| Retained earnings to average equity (ytd only) | 11.0484% | 1,057 |
| Net charge-offs to loans | 0.9170% | 75 |
| Credit loss provision to net charge-offs | 63.1240% | 1,788 |
| Earnings coverage of net charge-offs (x) | 3.7391% | 2,297 |
| Efficiency ratio | 47.8671% | 4,373 |
| Assets per employee ($millions) | 5.4480% | 3,252 |
| Cash dividends to net income (ytd only)* | 33.5602% | 1,918 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6079% | 1,322 |
| Loan loss allowance to noncurrent loans | 23.4106% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 5.0335% | 29 |
| Noncurrent loans to loans | 6.8684% | 41 |
| Net loans and leases to total assets | 71.6293% | 906 |
| Net loans and leases to deposits | 83.3215% | 1,008 |
| Net loans and leases to core deposits | 88.9382% | 1,099 |
| Total domestic deposits to total assets | 85.9673% | 2,758 |
| Equity capital to assets | 13.1308% | 947 |
| Core capital (leverage) ratio | 12.6547% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $122,822,250 | 3,815 |
| Average earning assets | $113,003,500 | 3,813 |
| Average equity | $15,314,000 | 3,647 |
| Average total loans | $90,290,500 | 3,375 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5413% | 162 |
| Cost of funding earning assets | 0.6294% | 643 |
| Net interest margin | 4.9119% | 188 |
| Noninterest income to average assets | 0.5218% | 2,520 |
| Noninterest expense to average assets | 2.3310% | 2,669 |
| Loan and lease loss provision to assets | 0.2488% | 397 |
| Net operating income to assets | 2.4344% | 241 |
| Return on assets (ROA) | 2.4344% | 257 |
| Pretax return on assets | 2.4554% | 381 |
| Return on Equity (ROE) | 19.8647% | 464 |
| Retained earnings to average equity (ytd only) | 13.9857% | 545 |
| Net charge-offs to loans | 0.5893% | 132 |
| Credit loss provision to net charge-offs | 57.2491% | 1,574 |
| Earnings coverage of net charge-offs (x) | 6.2230% | 1,968 |
| Efficiency ratio | 46.2945% | 4,499 |
| Assets per employee ($millions) | 5.5598% | 3,051 |
| Cash dividends to net income (ytd only)* | 29.5952% | 2,077 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6837% | 1,102 |
| Loan loss allowance to noncurrent loans | 23.6118% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 5.2888% | 31 |
| Noncurrent loans to loans | 7.1309% | 38 |
| Net loans and leases to total assets | 72.4672% | 909 |
| Net loans and leases to deposits | 84.2384% | 1,046 |
| Net loans and leases to core deposits | 90.5922% | 1,100 |
| Total domestic deposits to total assets | 86.0264% | 2,730 |
| Equity capital to assets | 12.7261% | 1,039 |
| Core capital (leverage) ratio | 12.0564% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $123,811,000 | 3,814 |
| Average earning assets | $113,763,667 | 3,809 |
| Average equity | $15,172,667 | 3,660 |
| Average total loans | $91,302,333 | 3,381 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7873% | 140 |
| Cost of funding earning assets | 0.6550% | 672 |
| Net interest margin | 5.1322% | 162 |
| Noninterest income to average assets | 0.4881% | 2,666 |
| Noninterest expense to average assets | 2.2512% | 2,939 |
| Loan and lease loss provision to assets | 0.3982% | 195 |
| Net operating income to assets | 2.5691% | 238 |
| Return on assets (ROA) | 2.5691% | 260 |
| Pretax return on assets | 2.5691% | 388 |
| Return on Equity (ROE) | 21.3675% | 442 |
| Retained earnings to average equity (ytd only) | 21.3675% | 227 |
| Net charge-offs to loans | 0.6966% | 111 |
| Credit loss provision to net charge-offs | 77.5000% | 1,221 |
| Earnings coverage of net charge-offs (x) | 5.7750% | 1,669 |
| Efficiency ratio | 43.1385% | 4,622 |
| Assets per employee ($millions) | 5.4421% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7418% | 961 |
| Loan loss allowance to noncurrent loans | 23.7472% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 5.4047% | 29 |
| Noncurrent loans to loans | 7.3347% | 42 |
| Net loans and leases to total assets | 71.9747% | 1,032 |
| Net loans and leases to deposits | 82.9367% | 1,252 |
| Net loans and leases to core deposits | 88.2362% | 1,350 |
| Total domestic deposits to total assets | 86.7827% | 2,403 |
| Equity capital to assets | 12.2059% | 1,199 |
| Core capital (leverage) ratio | 12.0366% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $124,558,500 | 3,807 |
| Average earning assets | $114,804,000 | 3,797 |
| Average equity | $14,976,000 | 3,692 |
| Average total loans | $91,875,000 | 3,381 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2859% | 272 |
| Cost of funding earning assets | 1.0647% | 464 |
| Net interest margin | 4.2212% | 607 |
| Noninterest income to average assets | 0.4921% | 2,665 |
| Noninterest expense to average assets | 2.3650% | 3,228 |
| Loan and lease loss provision to assets | 1.4027% | 50 |
| Net operating income to assets | 0.5909% | 3,785 |
| Return on assets (ROA) | 0.6165% | 3,819 |
| Pretax return on assets | 0.6243% | 4,030 |
| Return on Equity (ROE) | 5.5080% | 3,740 |
| Retained earnings to average equity (ytd only) | 3.7606% | 2,942 |
| Net charge-offs to loans | 1.4264% | 72 |
| Credit loss provision to net charge-offs | 132.0324% | 2,540 |
| Earnings coverage of net charge-offs (x) | 1.8837% | 3,226 |
| Efficiency ratio | 53.9867% | 4,212 |
| Assets per employee ($millions) | 5.3976% | 2,957 |
| Cash dividends to net income (ytd only)* | 31.7259% | 2,765 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7738% | 898 |
| Loan loss allowance to noncurrent loans | 33.6008% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 3.9470% | 65 |
| Noncurrent loans to loans | 5.2790% | 75 |
| Net loans and leases to total assets | 72.8422% | 1,181 |
| Net loans and leases to deposits | 88.1324% | 1,079 |
| Net loans and leases to core deposits | 95.2516% | 1,167 |
| Total domestic deposits to total assets | 82.6509% | 3,504 |
| Equity capital to assets | 11.9787% | 1,578 |
| Core capital (leverage) ratio | 11.4546% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $127,822,200 | 3,657 |
| Average earning assets | $117,311,400 | 3,657 |
| Average equity | $14,306,400 | 3,717 |
| Average total loans | $95,207,200 | 3,312 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3681% | 298 |
| Cost of funding earning assets | 1.1304% | 474 |
| Net interest margin | 4.2377% | 680 |
| Noninterest income to average assets | 0.4805% | 2,696 |
| Noninterest expense to average assets | 2.2287% | 3,610 |
| Loan and lease loss provision to assets | 1.7275% | 46 |
| Net operating income to assets | 0.4087% | 4,248 |
| Return on assets (ROA) | 0.4422% | 4,248 |
| Pretax return on assets | 0.4526% | 4,371 |
| Return on Equity (ROE) | 4.0191% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.5131% | 3,734 |
| Net charge-offs to loans | 1.8695% | 55 |
| Credit loss provision to net charge-offs | 123.9227% | 2,479 |
| Earnings coverage of net charge-offs (x) | 1.5394% | 3,065 |
| Efficiency ratio | 50.7576% | 4,442 |
| Assets per employee ($millions) | 5.0324% | 3,206 |
| Cash dividends to net income (ytd only)* | 37.4707% | 2,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6120% | 1,070 |
| Loan loss allowance to noncurrent loans | 32.4509% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 3.7548% | 90 |
| Noncurrent loans to loans | 4.9675% | 109 |
| Net loans and leases to total assets | 73.7400% | 1,409 |
| Net loans and leases to deposits | 90.4485% | 1,227 |
| Net loans and leases to core deposits | 96.5430% | 1,412 |
| Total domestic deposits to total assets | 81.5271% | 3,535 |
| Equity capital to assets | 11.6103% | 1,932 |
| Core capital (leverage) ratio | 10.8514% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $128,741,500 | 3,628 |
| Average earning assets | $118,301,500 | 3,633 |
| Average equity | $14,165,250 | 3,740 |
| Average total loans | $95,993,250 | 3,305 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4995% | 338 |
| Cost of funding earning assets | 1.2053% | 493 |
| Net interest margin | 4.2942% | 763 |
| Noninterest income to average assets | 0.4672% | 2,726 |
| Noninterest expense to average assets | 2.2233% | 3,712 |
| Loan and lease loss provision to assets | 1.2828% | 121 |
| Net operating income to assets | 0.8906% | 2,725 |
| Return on assets (ROA) | 0.9405% | 2,665 |
| Pretax return on assets | 0.9559% | 3,165 |
| Return on Equity (ROE) | 8.7031% | 2,492 |
| Retained earnings to average equity (ytd only) | 6.4203% | 1,895 |
| Net charge-offs to loans | 1.0936% | 126 |
| Credit loss provision to net charge-offs | 157.5758% | 2,093 |
| Earnings coverage of net charge-offs (x) | 2.6875% | 2,745 |
| Efficiency ratio | 50.2272% | 4,489 |
| Assets per employee ($millions) | 6.5179% | 1,764 |
| Cash dividends to net income (ytd only)* | 26.2295% | 2,511 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5392% | 1,153 |
| Loan loss allowance to noncurrent loans | 20.3055% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 5.7051% | 44 |
| Noncurrent loans to loans | 7.5801% | 51 |
| Net loans and leases to total assets | 73.7063% | 1,453 |
| Net loans and leases to deposits | 86.3635% | 1,722 |
| Net loans and leases to core deposits | 91.0963% | 1,981 |
| Total domestic deposits to total assets | 85.3442% | 2,258 |
| Equity capital to assets | 11.2950% | 2,125 |
| Core capital (leverage) ratio | 10.6568% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $129,718,333 | 3,599 |
| Average earning assets | $119,138,000 | 3,608 |
| Average equity | $14,018,000 | 3,761 |
| Average total loans | $96,560,000 | 3,294 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3989% | 463 |
| Cost of funding earning assets | 1.2701% | 619 |
| Net interest margin | 4.1288% | 1,077 |
| Noninterest income to average assets | 0.4760% | 2,675 |
| Noninterest expense to average assets | 2.1762% | 4,070 |
| Loan and lease loss provision to assets | 1.4838% | 104 |
| Net operating income to assets | 0.5581% | 3,715 |
| Return on assets (ROA) | 0.6492% | 3,510 |
| Pretax return on assets | 0.6801% | 3,743 |
| Return on Equity (ROE) | 6.1471% | 3,263 |
| Retained earnings to average equity (ytd only) | 2.8101% | 3,155 |
| Net charge-offs to loans | 2.1781% | 63 |
| Credit loss provision to net charge-offs | 91.7782% | 1,889 |
| Earnings coverage of net charge-offs (x) | 1.2792% | 2,404 |
| Efficiency ratio | 51.0561% | 4,608 |
| Assets per employee ($millions) | 6.4716% | 1,361 |
| Cash dividends to net income (ytd only)* | 54.2857% | 1,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2032% | 2,654 |
| Loan loss allowance to noncurrent loans | 14.3354% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 6.2558% | 45 |
| Noncurrent loans to loans | 8.3931% | 40 |
| Net loans and leases to total assets | 73.2746% | 1,733 |
| Net loans and leases to deposits | 82.8029% | 2,353 |
| Net loans and leases to core deposits | 87.0787% | 2,591 |
| Total domestic deposits to total assets | 88.4927% | 884 |
| Equity capital to assets | 10.3909% | 3,429 |
| Core capital (leverage) ratio | 10.6229% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $129,398,500 | 3,591 |
| Average earning assets | $118,098,000 | 3,601 |
| Average equity | $13,665,000 | 3,816 |
| Average total loans | $96,048,000 | 3,277 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2697% | 877 |
| Cost of funding earning assets | 1.2650% | 853 |
| Net interest margin | 4.0047% | 1,845 |
| Noninterest income to average assets | 0.5957% | 2,243 |
| Noninterest expense to average assets | 2.1750% | 4,212 |
| Loan and lease loss provision to assets | 0.9269% | 107 |
| Net operating income to assets | 1.1329% | 2,323 |
| Return on assets (ROA) | 1.1816% | 2,228 |
| Pretax return on assets | 1.2420% | 2,694 |
| Return on Equity (ROE) | 12.0116% | 1,508 |
| Retained earnings to average equity (ytd only) | 9.9902% | 491 |
| Net charge-offs to loans | 0.9430% | 169 |
| Credit loss provision to net charge-offs | 127.1773% | 2,003 |
| Earnings coverage of net charge-offs (x) | 2.9056% | 3,370 |
| Efficiency ratio | 50.4721% | 4,709 |
| Assets per employee ($millions) | 6.4683% | 1,306 |
| Cash dividends to net income (ytd only)* | 16.8285% | 3,572 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9638% | 481 |
| Loan loss allowance to noncurrent loans | 28.5478% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 5.1783% | 51 |
| Noncurrent loans to loans | 6.8788% | 49 |
| Net loans and leases to total assets | 73.3601% | 1,865 |
| Net loans and leases to deposits | 83.2088% | 2,419 |
| Net loans and leases to core deposits | 87.7399% | 2,631 |
| Total domestic deposits to total assets | 88.1638% | 1,052 |
| Equity capital to assets | 10.7300% | 3,233 |
| Core capital (leverage) ratio | 10.5223% | 2,930 |
| Tier 1 risk-based capital ratio | 12.0843% | 4,316 |
| Total risk-based capital ratio | 13.3388% | 4,194 |
| Memoranda: |
| Average total assets | $130,760,000 | 3,558 |
| Average earning assets | $120,708,800 | 3,553 |
| Average equity | $12,862,600 | 3,894 |
| Average total loans | $101,062,000 | 3,212 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3206% | 828 |
| Cost of funding earning assets | 1.2413% | 934 |
| Net interest margin | 4.0793% | 1,674 |
| Noninterest income to average assets | 0.5827% | 2,299 |
| Noninterest expense to average assets | 1.9332% | 4,666 |
| Loan and lease loss provision to assets | 0.8207% | 126 |
| Net operating income to assets | 1.6220% | 882 |
| Return on assets (ROA) | 1.6902% | 805 |
| Pretax return on assets | 1.6902% | 1,364 |
| Return on Equity (ROE) | 17.5757% | 429 |
| Retained earnings to average equity (ytd only) | 16.4230% | 98 |
| Net charge-offs to loans | 0.4269% | 391 |
| Credit loss provision to net charge-offs | 246.7890% | 1,108 |
| Earnings coverage of net charge-offs (x) | 7.3456% | 2,750 |
| Efficiency ratio | 43.9926% | 5,015 |
| Assets per employee ($millions) | 6.1899% | 1,468 |
| Cash dividends to net income (ytd only)* | 6.5584% | 3,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1169% | 386 |
| Loan loss allowance to noncurrent loans | 59.1086% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 2.7964% | 209 |
| Noncurrent loans to loans | 3.5814% | 213 |
| Net loans and leases to total assets | 75.4816% | 1,569 |
| Net loans and leases to deposits | 85.8086% | 2,215 |
| Net loans and leases to core deposits | 91.9043% | 2,379 |
| Total domestic deposits to total assets | 87.9650% | 1,050 |
| Equity capital to assets | 10.8779% | 3,224 |
| Core capital (leverage) ratio | 10.7596% | 2,879 |
| Tier 1 risk-based capital ratio | 12.2688% | 4,272 |
| Total risk-based capital ratio | 13.5260% | 4,151 |
| Memoranda: |
| Average total assets | $131,108,500 | 3,586 |
| Average earning assets | $121,913,750 | 3,576 |
| Average equity | $12,608,000 | 3,962 |
| Average total loans | $102,126,500 | 3,234 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1820% | 1,016 |
| Cost of funding earning assets | 1.2288% | 924 |
| Net interest margin | 3.9531% | 2,086 |
| Noninterest income to average assets | 0.5187% | 2,575 |
| Noninterest expense to average assets | 1.9044% | 4,741 |
| Loan and lease loss provision to assets | 0.8868% | 111 |
| Net operating income to assets | 1.4025% | 1,433 |
| Return on assets (ROA) | 1.4648% | 1,301 |
| Pretax return on assets | 1.4648% | 1,974 |
| Return on Equity (ROE) | 15.9209% | 596 |
| Retained earnings to average equity (ytd only) | 14.9289% | 174 |
| Net charge-offs to loans | 0.6345% | 241 |
| Credit loss provision to net charge-offs | 178.8344% | 1,321 |
| Earnings coverage of net charge-offs (x) | 4.6166% | 2,723 |
| Efficiency ratio | 45.2303% | 5,018 |
| Assets per employee ($millions) | 6.1806% | 1,413 |
| Cash dividends to net income (ytd only)* | 6.2305% | 3,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8630% | 606 |
| Loan loss allowance to noncurrent loans | 50.6805% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.9216% | 212 |
| Noncurrent loans to loans | 3.6759% | 212 |
| Net loans and leases to total assets | 77.0733% | 1,376 |
| Net loans and leases to deposits | 87.6985% | 2,039 |
| Net loans and leases to core deposits | 93.7122% | 2,264 |
| Total domestic deposits to total assets | 87.8845% | 1,150 |
| Equity capital to assets | 10.3396% | 3,657 |
| Core capital (leverage) ratio | 9.9817% | 3,596 |
| Tier 1 risk-based capital ratio | 11.6930% | 4,579 |
| Total risk-based capital ratio | 12.9480% | 4,479 |
| Memoranda: |
| Average total assets | $131,482,000 | 3,603 |
| Average earning assets | $122,231,670 | 3,595 |
| Average equity | $12,097,330 | 4,031 |
| Average total loans | $102,755,670 | 3,245 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5405% | 486 |
| Cost of funding earning assets | 1.2207% | 848 |
| Net interest margin | 4.3198% | 1,061 |
| Noninterest income to average assets | 0.4716% | 2,728 |
| Noninterest expense to average assets | 1.8288% | 4,891 |
| Loan and lease loss provision to assets | 0.9189% | 98 |
| Net operating income to assets | 1.7351% | 685 |
| Return on assets (ROA) | 1.7351% | 705 |
| Pretax return on assets | 1.7351% | 1,126 |
| Return on Equity (ROE) | 20.0769% | 260 |
| Retained earnings to average equity (ytd only) | 19.0276% | 123 |
| Net charge-offs to loans | 0.0039% | 2,584 |
| Credit loss provision to net charge-offs | 30,400.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 878.0000% | 64 |
| Efficiency ratio | 40.5934% | 5,196 |
| Assets per employee ($millions) | 6.3041% | 1,350 |
| Cash dividends to net income (ytd only)* | 5.2265% | 2,707 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8857% | 603 |
| Loan loss allowance to noncurrent loans | 37.1112% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 3.9929% | 115 |
| Noncurrent loans to loans | 5.0811% | 108 |
| Net loans and leases to total assets | 76.4439% | 1,405 |
| Net loans and leases to deposits | 85.7905% | 2,148 |
| Net loans and leases to core deposits | 92.1509% | 2,287 |
| Total domestic deposits to total assets | 89.1053% | 815 |
| Equity capital to assets | 8.9594% | 4,712 |
| Core capital (leverage) ratio | 9.0285% | 4,634 |
| Tier 1 risk-based capital ratio | 10.4667% | 5,186 |
| Total risk-based capital ratio | 11.7221% | 5,093 |
| Memoranda: |
| Average total assets | $132,327,000 | 3,630 |
| Average earning assets | $122,876,500 | 3,616 |
| Average equity | $11,436,000 | 4,137 |
| Average total loans | $103,166,500 | 3,268 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4442% | 444 |
| Cost of funding earning assets | 1.0256% | 680 |
| Net interest margin | 4.4186% | 899 |
| Noninterest income to average assets | 0.4973% | 2,846 |
| Noninterest expense to average assets | 2.2508% | 4,223 |
| Loan and lease loss provision to assets | 1.3274% | 53 |
| Net operating income to assets | 1.0150% | 2,947 |
| Return on assets (ROA) | 0.9993% | 3,002 |
| Pretax return on assets | 0.9993% | 3,603 |
| Return on Equity (ROE) | 12.0724% | 1,690 |
| Retained earnings to average equity (ytd only) | -0.1041% | 4,998 |
| Net charge-offs to loans | 1.9427% | 55 |
| Credit loss provision to net charge-offs | 86.7896% | 2,762 |
| Earnings coverage of net charge-offs (x) | 1.5315% | 3,616 |
| Efficiency ratio | 48.8662% | 5,004 |
| Assets per employee ($millions) | 6.0122% | 1,512 |
| Cash dividends to net income (ytd only)* | 100.8621% | 239 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5903% | 1,051 |
| Loan loss allowance to noncurrent loans | 85.9612% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.4773% | 799 |
| Noncurrent loans to loans | 1.8500% | 760 |
| Net loans and leases to total assets | 76.7729% | 1,472 |
| Net loans and leases to deposits | 96.6028% | 1,017 |
| Net loans and leases to core deposits | 103.1049% | 1,498 |
| Total domestic deposits to total assets | 79.4727% | 4,218 |
| Equity capital to assets | 8.3248% | 5,031 |
| Core capital (leverage) ratio | 8.6261% | 4,940 |
| Tier 1 risk-based capital ratio | 10.1018% | 5,279 |
| Total risk-based capital ratio | 11.3540% | 5,226 |
| Memoranda: |
| Average total assets | $127,689,600 | 3,676 |
| Average earning assets | $118,364,000 | 3,673 |
| Average equity | $10,569,600 | 4,223 |
| Average total loans | $100,532,400 | 3,282 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3896% | 446 |
| Cost of funding earning assets | 0.9467% | 759 |
| Net interest margin | 4.4429% | 825 |
| Noninterest income to average assets | 0.4973% | 2,887 |
| Noninterest expense to average assets | 2.1757% | 4,373 |
| Loan and lease loss provision to assets | 0.8166% | 109 |
| Net operating income to assets | 1.6289% | 897 |
| Return on assets (ROA) | 1.6110% | 948 |
| Pretax return on assets | 1.6110% | 1,550 |
| Return on Equity (ROE) | 19.4911% | 302 |
| Retained earnings to average equity (ytd only) | 6.8454% | 2,208 |
| Net charge-offs to loans | 1.3991% | 88 |
| Credit loss provision to net charge-offs | 73.9504% | 2,594 |
| Earnings coverage of net charge-offs (x) | 2.2147% | 3,267 |
| Efficiency ratio | 46.9676% | 5,103 |
| Assets per employee ($millions) | 5.7608% | 1,677 |
| Cash dividends to net income (ytd only)* | 64.8787% | 1,017 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5596% | 1,175 |
| Loan loss allowance to noncurrent loans | 65.1843% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.9178% | 573 |
| Noncurrent loans to loans | 2.3925% | 563 |
| Net loans and leases to total assets | 77.5083% | 1,414 |
| Net loans and leases to deposits | 101.4412% | 678 |
| Net loans and leases to core deposits | 109.3440% | 1,076 |
| Total domestic deposits to total assets | 76.4072% | 4,741 |
| Equity capital to assets | 8.5503% | 4,893 |
| Core capital (leverage) ratio | 9.1312% | 4,584 |
| Tier 1 risk-based capital ratio | 10.4267% | 5,264 |
| Total risk-based capital ratio | 11.6786% | 5,182 |
| Memoranda: |
| Average total assets | $126,545,000 | 3,720 |
| Average earning assets | $117,457,250 | 3,729 |
| Average equity | $10,459,250 | 4,280 |
| Average total loans | $99,868,750 | 3,327 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3012% | 468 |
| Cost of funding earning assets | 0.8821% | 785 |
| Net interest margin | 4.4191% | 814 |
| Noninterest income to average assets | 0.5218% | 2,739 |
| Noninterest expense to average assets | 2.2495% | 4,261 |
| Loan and lease loss provision to assets | 0.7225% | 136 |
| Net operating income to assets | 1.6522% | 797 |
| Return on assets (ROA) | 1.6281% | 856 |
| Pretax return on assets | 1.6281% | 1,409 |
| Return on Equity (ROE) | 19.9423% | 272 |
| Retained earnings to average equity (ytd only) | 8.5551% | 1,375 |
| Net charge-offs to loans | 2.1589% | 44 |
| Credit loss provision to net charge-offs | 42.3729% | 2,545 |
| Earnings coverage of net charge-offs (x) | 1.3927% | 3,068 |
| Efficiency ratio | 48.5417% | 5,089 |
| Assets per employee ($millions) | 5.6447% | 1,763 |
| Cash dividends to net income (ytd only)* | 57.1006% | 1,426 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2681% | 2,333 |
| Loan loss allowance to noncurrent loans | 58.4127% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.7331% | 701 |
| Noncurrent loans to loans | 2.1709% | 651 |
| Net loans and leases to total assets | 77.2436% | 1,432 |
| Net loans and leases to deposits | 98.4083% | 938 |
| Net loans and leases to core deposits | 106.0668% | 1,239 |
| Total domestic deposits to total assets | 78.4929% | 4,510 |
| Equity capital to assets | 7.9136% | 5,255 |
| Core capital (leverage) ratio | 8.5149% | 5,098 |
| Tier 1 risk-based capital ratio | 9.6567% | 5,483 |
| Total risk-based capital ratio | 10.8067% | 5,468 |
| Memoranda: |
| Average total assets | $124,560,670 | 3,784 |
| Average earning assets | $115,633,330 | 3,781 |
| Average equity | $10,169,330 | 4,360 |
| Average total loans | $98,383,670 | 3,363 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3349% | 381 |
| Cost of funding earning assets | 0.8278% | 843 |
| Net interest margin | 4.5071% | 608 |
| Noninterest income to average assets | 0.4790% | 2,946 |
| Noninterest expense to average assets | 2.3161% | 4,155 |
| Loan and lease loss provision to assets | 0.7381% | 126 |
| Net operating income to assets | 1.6042% | 853 |
| Return on assets (ROA) | 1.6042% | 854 |
| Pretax return on assets | 1.6042% | 1,387 |
| Return on Equity (ROE) | 19.3338% | 294 |
| Retained earnings to average equity (ytd only) | 7.3935% | 2,109 |
| Net charge-offs to loans | 4.1740% | 23 |
| Credit loss provision to net charge-offs | 22.2772% | 2,110 |
| Earnings coverage of net charge-offs (x) | 0.7069% | 2,624 |
| Efficiency ratio | 49.7183% | 5,097 |
| Assets per employee ($millions) | 5.3557% | 2,085 |
| Cash dividends to net income (ytd only)* | 61.7587% | 1,210 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1489% | 3,097 |
| Loan loss allowance to noncurrent loans | 74.5819% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 1,195 |
| Noncurrent loans to loans | 1.5405% | 1,137 |
| Net loans and leases to total assets | 77.8805% | 1,265 |
| Net loans and leases to deposits | 95.2879% | 1,096 |
| Net loans and leases to core deposits | 112.5299% | 864 |
| Total domestic deposits to total assets | 81.7318% | 4,038 |
| Equity capital to assets | 8.1823% | 5,187 |
| Core capital (leverage) ratio | 8.5968% | 5,067 |
| Tier 1 risk-based capital ratio | 9.9468% | 5,515 |
| Total risk-based capital ratio | 10.9963% | 5,509 |
| Memoranda: |
| Average total assets | $121,927,500 | 3,867 |
| Average earning assets | $113,066,500 | 3,865 |
| Average equity | $10,117,000 | 4,409 |
| Average total loans | $96,790,000 | 3,418 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2718% | 385 |
| Cost of funding earning assets | 0.7095% | 976 |
| Net interest margin | 4.5624% | 538 |
| Noninterest income to average assets | 0.5005% | 2,996 |
| Noninterest expense to average assets | 2.4190% | 4,023 |
| Loan and lease loss provision to assets | 0.8244% | 140 |
| Net operating income to assets | 1.4872% | 828 |
| Return on assets (ROA) | 1.4881% | 848 |
| Pretax return on assets | 1.4881% | 1,691 |
| Return on Equity (ROE) | 17.1805% | 377 |
| Retained earnings to average equity (ytd only) | 4.3927% | 2,522 |
| Net charge-offs to loans | 0.5234% | 445 |
| Credit loss provision to net charge-offs | 196.5726% | 1,389 |
| Earnings coverage of net charge-offs (x) | 5.5121% | 3,313 |
| Efficiency ratio | 50.6345% | 5,190 |
| Assets per employee ($millions) | 5.0281% | 2,445 |
| Cash dividends to net income (ytd only)* | 74.4318% | 1,044 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9683% | 570 |
| Loan loss allowance to noncurrent loans | 92.3226% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.7427% | 725 |
| Noncurrent loans to loans | 2.1320% | 701 |
| Net loans and leases to total assets | 78.4187% | 1,228 |
| Net loans and leases to deposits | 96.8776% | 1,002 |
| Net loans and leases to core deposits | 111.9960% | 898 |
| Total domestic deposits to total assets | 80.9462% | 4,128 |
| Equity capital to assets | 8.4152% | 5,181 |
| Core capital (leverage) ratio | 8.6350% | 5,006 |
| Tier 1 risk-based capital ratio | 9.8917% | 5,555 |
| Total risk-based capital ratio | 11.1477% | 5,513 |
| Memoranda: |
| Average total assets | $118,272,200 | 3,928 |
| Average earning assets | $109,658,200 | 3,920 |
| Average equity | $10,244,200 | 4,417 |
| Average total loans | $94,769,200 | 3,437 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2729% | 363 |
| Cost of funding earning assets | 0.6925% | 997 |
| Net interest margin | 4.5803% | 507 |
| Noninterest income to average assets | 0.5110% | 2,965 |
| Noninterest expense to average assets | 2.1528% | 4,630 |
| Loan and lease loss provision to assets | 0.5099% | 227 |
| Net operating income to assets | 2.0973% | 264 |
| Return on assets (ROA) | 2.0984% | 271 |
| Pretax return on assets | 2.0984% | 448 |
| Return on Equity (ROE) | 24.0517% | 86 |
| Retained earnings to average equity (ytd only) | 11.2856% | 371 |
| Net charge-offs to loans | 0.0509% | 2,413 |
| Credit loss provision to net charge-offs | 1,250.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 63.9150% | 951 |
| Efficiency ratio | 44.6798% | 5,462 |
| Assets per employee ($millions) | 5.4077% | 2,009 |
| Cash dividends to net income (ytd only)* | 53.0776% | 1,623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9453% | 638 |
| Loan loss allowance to noncurrent loans | 74.2915% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 2.1266% | 590 |
| Noncurrent loans to loans | 2.6185% | 554 |
| Net loans and leases to total assets | 77.7471% | 1,307 |
| Net loans and leases to deposits | 97.1260% | 997 |
| Net loans and leases to core deposits | 105.5831% | 1,301 |
| Total domestic deposits to total assets | 80.0477% | 4,300 |
| Equity capital to assets | 9.0351% | 4,883 |
| Core capital (leverage) ratio | 9.2183% | 4,497 |
| Tier 1 risk-based capital ratio | 10.4718% | 5,459 |
| Total risk-based capital ratio | 11.7275% | 5,394 |
| Memoranda: |
| Average total assets | $117,671,750 | 3,969 |
| Average earning assets | $109,159,750 | 3,975 |
| Average equity | $10,266,500 | 4,449 |
| Average total loans | $94,328,750 | 3,475 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3459% | 308 |
| Cost of funding earning assets | 0.6825% | 976 |
| Net interest margin | 4.6634% | 426 |
| Noninterest income to average assets | 0.4555% | 3,316 |
| Noninterest expense to average assets | 2.1750% | 4,614 |
| Loan and lease loss provision to assets | 0.5118% | 225 |
| Net operating income to assets | 2.0932% | 259 |
| Return on assets (ROA) | 2.0949% | 265 |
| Pretax return on assets | 2.0949% | 450 |
| Return on Equity (ROE) | 24.3032% | 88 |
| Retained earnings to average equity (ytd only) | 11.3402% | 393 |
| Net charge-offs to loans | -0.0678% | 5,286 |
| Credit loss provision to net charge-offs | -937.5000% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8608% | 5,497 |
| Assets per employee ($millions) | 5.5166% | 1,858 |
| Cash dividends to net income (ytd only)* | 53.3388% | 1,728 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9273% | 689 |
| Loan loss allowance to noncurrent loans | 207.2104% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 2,253 |
| Noncurrent loans to loans | 0.9301% | 2,107 |
| Net loans and leases to total assets | 77.0002% | 1,380 |
| Net loans and leases to deposits | 89.5137% | 1,797 |
| Net loans and leases to core deposits | 96.9567% | 1,889 |
| Total domestic deposits to total assets | 86.0206% | 2,368 |
| Equity capital to assets | 9.0394% | 4,861 |
| Core capital (leverage) ratio | 8.9501% | 4,776 |
| Tier 1 risk-based capital ratio | 10.5243% | 5,445 |
| Total risk-based capital ratio | 11.7798% | 5,374 |
| Memoranda: |
| Average total assets | $117,239,330 | 4,005 |
| Average earning assets | $108,718,670 | 3,999 |
| Average equity | $10,105,670 | 4,496 |
| Average total loans | $94,328,330 | 3,487 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3065% | 314 |
| Cost of funding earning assets | 0.6683% | 985 |
| Net interest margin | 4.6382% | 418 |
| Noninterest income to average assets | 0.4443% | 3,341 |
| Noninterest expense to average assets | 2.1063% | 4,834 |
| Loan and lease loss provision to assets | 0.5088% | 198 |
| Net operating income to assets | 2.1368% | 250 |
| Return on assets (ROA) | 2.1402% | 257 |
| Pretax return on assets | 2.1402% | 395 |
| Return on Equity (ROE) | 25.4371% | 81 |
| Retained earnings to average equity (ytd only) | 25.4371% | 47 |
| Net charge-offs to loans | -0.2458% | 5,654 |
| Credit loss provision to net charge-offs | -254.2373% | 4,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3976% | 5,613 |
| Assets per employee ($millions) | 5.6356% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6903% | 1,163 |
| Loan loss allowance to noncurrent loans | 271.9533% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 3,007 |
| Noncurrent loans to loans | 0.6215% | 2,961 |
| Net loans and leases to total assets | 80.0563% | 820 |
| Net loans and leases to deposits | 93.0697% | 1,211 |
| Net loans and leases to core deposits | 100.3208% | 1,483 |
| Total domestic deposits to total assets | 86.0175% | 2,656 |
| Equity capital to assets | 8.6753% | 5,091 |
| Core capital (leverage) ratio | 8.9034% | 4,839 |
| Tier 1 risk-based capital ratio | 10.0695% | 5,681 |
| Total risk-based capital ratio | 11.3224% | 5,637 |
| Memoranda: |
| Average total assets | $117,934,500 | 4,031 |
| Average earning assets | $109,525,500 | 4,022 |
| Average equity | $9,922,500 | 4,555 |
| Average total loans | $96,014,000 | 3,481 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3964% | 297 |
| Cost of funding earning assets | 0.5401% | 1,791 |
| Net interest margin | 4.8562% | 311 |
| Noninterest income to average assets | 0.5104% | 3,170 |
| Noninterest expense to average assets | 2.4754% | 4,091 |
| Loan and lease loss provision to assets | 0.5325% | 259 |
| Net operating income to assets | 2.0032% | 315 |
| Return on assets (ROA) | 2.0112% | 325 |
| Pretax return on assets | 2.0112% | 490 |
| Return on Equity (ROE) | 23.4663% | 108 |
| Retained earnings to average equity (ytd only) | 5.4368% | 2,056 |
| Net charge-offs to loans | 0.4676% | 536 |
| Credit loss provision to net charge-offs | 140.8451% | 1,944 |
| Earnings coverage of net charge-offs (x) | 6.7066% | 3,132 |
| Efficiency ratio | 49.3447% | 5,516 |
| Assets per employee ($millions) | 5.5962% | 1,788 |
| Cash dividends to net income (ytd only)* | 76.8314% | 1,029 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4856% | 1,728 |
| Loan loss allowance to noncurrent loans | 277.5391% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 3,522 |
| Noncurrent loans to loans | 0.5353% | 3,247 |
| Net loans and leases to total assets | 80.1840% | 872 |
| Net loans and leases to deposits | 99.1958% | 727 |
| Net loans and leases to core deposits | 109.0862% | 955 |
| Total domestic deposits to total assets | 80.8341% | 4,378 |
| Equity capital to assets | 8.1500% | 5,492 |
| Core capital (leverage) ratio | 8.5611% | 5,202 |
| Tier 1 risk-based capital ratio | 9.4812% | 5,819 |
| Total risk-based capital ratio | 10.7319% | 5,808 |
| Memoranda: |
| Average total assets | $112,667,000 | 4,115 |
| Average earning assets | $104,422,200 | 4,108 |
| Average equity | $9,656,400 | 4,641 |
| Average total loans | $91,111,400 | 3,554 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4478% | 275 |
| Cost of funding earning assets | 0.5076% | 2,041 |
| Net interest margin | 4.9402% | 285 |
| Noninterest income to average assets | 0.5132% | 3,160 |
| Noninterest expense to average assets | 2.2921% | 4,553 |
| Loan and lease loss provision to assets | 0.5383% | 222 |
| Net operating income to assets | 2.2586% | 220 |
| Return on assets (ROA) | 2.2693% | 233 |
| Pretax return on assets | 2.2693% | 333 |
| Return on Equity (ROE) | 26.1396% | 71 |
| Retained earnings to average equity (ytd only) | 6.6693% | 1,803 |
| Net charge-offs to loans | -0.1467% | 5,685 |
| Credit loss provision to net charge-offs | -454.5455% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9694% | 5,713 |
| Assets per employee ($millions) | 5.4967% | 1,855 |
| Cash dividends to net income (ytd only)* | 74.4859% | 902 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9316% | 810 |
| Loan loss allowance to noncurrent loans | 215.7452% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 2,762 |
| Noncurrent loans to loans | 0.8953% | 2,465 |
| Net loans and leases to total assets | 78.9493% | 1,046 |
| Net loans and leases to deposits | 102.3668% | 545 |
| Net loans and leases to core deposits | 111.4233% | 838 |
| Total domestic deposits to total assets | 77.1240% | 5,061 |
| Equity capital to assets | 8.6424% | 5,438 |
| Core capital (leverage) ratio | 8.6978% | 5,152 |
| Tier 1 risk-based capital ratio | 9.7186% | 5,849 |
| Total risk-based capital ratio | 10.9746% | 5,828 |
| Memoranda: |
| Average total assets | $111,453,500 | 4,163 |
| Average earning assets | $103,231,750 | 4,159 |
| Average equity | $9,676,000 | 4,682 |
| Average total loans | $89,975,750 | 3,594 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4747% | 265 |
| Cost of funding earning assets | 0.4822% | 2,250 |
| Net interest margin | 4.9925% | 256 |
| Noninterest income to average assets | 0.5012% | 3,180 |
| Noninterest expense to average assets | 2.4045% | 4,324 |
| Loan and lease loss provision to assets | 0.5448% | 224 |
| Net operating income to assets | 2.1775% | 234 |
| Return on assets (ROA) | 2.1920% | 242 |
| Pretax return on assets | 2.1920% | 385 |
| Return on Equity (ROE) | 25.2089% | 87 |
| Retained earnings to average equity (ytd only) | 2.5480% | 4,267 |
| Net charge-offs to loans | -0.2742% | 5,871 |
| Credit loss provision to net charge-offs | -245.9016% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7942% | 5,721 |
| Assets per employee ($millions) | 5.3600% | 1,925 |
| Cash dividends to net income (ytd only)* | 89.8923% | 685 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8538% | 976 |
| Loan loss allowance to noncurrent loans | 257.5617% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 3,298 |
| Noncurrent loans to loans | 0.7197% | 2,930 |
| Net loans and leases to total assets | 78.5046% | 1,135 |
| Net loans and leases to deposits | 97.3097% | 943 |
| Net loans and leases to core deposits | 103.4320% | 1,371 |
| Total domestic deposits to total assets | 80.6750% | 4,369 |
| Equity capital to assets | 8.5626% | 5,563 |
| Core capital (leverage) ratio | 8.5704% | 5,297 |
| Tier 1 risk-based capital ratio | 9.6757% | 5,919 |
| Total risk-based capital ratio | 10.9310% | 5,890 |
| Memoranda: |
| Average total assets | $110,127,670 | 4,223 |
| Average earning assets | $102,033,330 | 4,223 |
| Average equity | $9,576,000 | 4,726 |
| Average total loans | $88,992,000 | 3,635 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7623% | 171 |
| Cost of funding earning assets | 0.4759% | 2,319 |
| Net interest margin | 5.2864% | 152 |
| Noninterest income to average assets | 0.4995% | 3,115 |
| Noninterest expense to average assets | 2.5231% | 4,002 |
| Loan and lease loss provision to assets | 0.5509% | 211 |
| Net operating income to assets | 2.3211% | 199 |
| Return on assets (ROA) | 2.3505% | 199 |
| Pretax return on assets | 2.3505% | 298 |
| Return on Equity (ROE) | 26.8203% | 77 |
| Retained earnings to average equity (ytd only) | 13.0330% | 391 |
| Net charge-offs to loans | -0.6239% | 6,013 |
| Credit loss provision to net charge-offs | -108.6957% | 4,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6304% | 5,785 |
| Assets per employee ($millions) | 5.1066% | 2,235 |
| Cash dividends to net income (ytd only)* | 51.4063% | 1,700 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7371% | 1,274 |
| Loan loss allowance to noncurrent loans | 356.1485% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 3,985 |
| Noncurrent loans to loans | 0.4877% | 3,719 |
| Net loans and leases to total assets | 80.9687% | 687 |
| Net loans and leases to deposits | 95.0957% | 1,033 |
| Net loans and leases to core deposits | 104.7849% | 1,146 |
| Total domestic deposits to total assets | 85.1444% | 3,065 |
| Equity capital to assets | 9.0620% | 5,111 |
| Core capital (leverage) ratio | 8.8376% | 5,039 |
| Tier 1 risk-based capital ratio | 10.3002% | 5,826 |
| Total risk-based capital ratio | 11.5544% | 5,753 |
| Memoranda: |
| Average total assets | $108,912,000 | 4,281 |
| Average earning assets | $100,863,000 | 4,274 |
| Average equity | $9,545,000 | 4,753 |
| Average total loans | $88,471,500 | 3,645 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4393% | 296 |
| Cost of funding earning assets | 0.3604% | 3,578 |
| Net interest margin | 5.0789% | 218 |
| Noninterest income to average assets | 0.5330% | 3,120 |
| Noninterest expense to average assets | 2.5410% | 4,101 |
| Loan and lease loss provision to assets | 0.3101% | 541 |
| Net operating income to assets | 2.3259% | 195 |
| Return on assets (ROA) | 2.3365% | 200 |
| Pretax return on assets | 2.3365% | 277 |
| Return on Equity (ROE) | 27.8361% | 72 |
| Retained earnings to average equity (ytd only) | 15.8750% | 117 |
| Net charge-offs to loans | 0.1571% | 1,809 |
| Credit loss provision to net charge-offs | 256.0000% | 1,123 |
| Earnings coverage of net charge-offs (x) | 21.7600% | 1,800 |
| Efficiency ratio | 49.0453% | 5,798 |
| Assets per employee ($millions) | 5.5293% | 1,767 |
| Cash dividends to net income (ytd only)* | 42.9697% | 2,701 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4078% | 2,383 |
| Loan loss allowance to noncurrent loans | 180.2023% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 3,190 |
| Noncurrent loans to loans | 0.7812% | 2,831 |
| Net loans and leases to total assets | 78.9718% | 998 |
| Net loans and leases to deposits | 99.6747% | 696 |
| Net loans and leases to core deposits | 108.8101% | 930 |
| Total domestic deposits to total assets | 79.2296% | 4,920 |
| Equity capital to assets | 8.4749% | 5,585 |
| Core capital (leverage) ratio | 8.5089% | 5,418 |
| Tier 1 risk-based capital ratio | 10.0822% | 5,935 |
| Total risk-based capital ratio | 11.3333% | 5,864 |
| Memoranda: |
| Average total assets | $103,187,800 | 4,402 |
| Average earning assets | $94,351,000 | 4,426 |
| Average equity | $8,661,400 | 4,919 |
| Average total loans | $79,554,000 | 3,841 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4183% | 308 |
| Cost of funding earning assets | 0.3362% | 3,908 |
| Net interest margin | 5.0821% | 216 |
| Noninterest income to average assets | 0.5579% | 3,001 |
| Noninterest expense to average assets | 2.3669% | 4,601 |
| Loan and lease loss provision to assets | 0.1184% | 1,923 |
| Net operating income to assets | 2.7064% | 122 |
| Return on assets (ROA) | 2.7208% | 121 |
| Pretax return on assets | 2.7208% | 166 |
| Return on Equity (ROE) | 32.5005% | 39 |
| Retained earnings to average equity (ytd only) | 16.2189% | 124 |
| Net charge-offs to loans | -0.0086% | 4,942 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5651% | 5,981 |
| Assets per employee ($millions) | 5.4651% | 1,814 |
| Cash dividends to net income (ytd only)* | 50.0968% | 1,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3351% | 2,931 |
| Loan loss allowance to noncurrent loans | 99.5660% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.0540% | 2,247 |
| Noncurrent loans to loans | 1.3409% | 1,908 |
| Net loans and leases to total assets | 77.5519% | 1,168 |
| Net loans and leases to deposits | 106.9307% | 334 |
| Net loans and leases to core deposits | 117.2147% | 552 |
| Total domestic deposits to total assets | 72.5254% | 5,826 |
| Equity capital to assets | 8.2259% | 5,859 |
| Core capital (leverage) ratio | 8.6358% | 5,427 |
| Tier 1 risk-based capital ratio | 9.7507% | 6,091 |
| Total risk-based capital ratio | 10.9850% | 6,069 |
| Memoranda: |
| Average total assets | $101,338,500 | 4,485 |
| Average earning assets | $92,399,750 | 4,516 |
| Average equity | $8,483,750 | 5,022 |
| Average total loans | $77,298,000 | 3,941 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4061% | 308 |
| Cost of funding earning assets | 0.3269% | 4,087 |
| Net interest margin | 5.0792% | 216 |
| Noninterest income to average assets | 0.5817% | 2,842 |
| Noninterest expense to average assets | 2.4117% | 4,508 |
| Loan and lease loss provision to assets | 0.1216% | 1,818 |
| Net operating income to assets | 2.6772% | 131 |
| Return on assets (ROA) | 2.6995% | 135 |
| Pretax return on assets | 2.6995% | 193 |
| Return on Equity (ROE) | 32.0398% | 49 |
| Retained earnings to average equity (ytd only) | 13.8069% | 245 |
| Net charge-offs to loans | -0.0564% | 5,587 |
| Credit loss provision to net charge-offs | -285.7143% | 5,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2466% | 6,033 |
| Assets per employee ($millions) | 4.8054% | 2,536 |
| Cash dividends to net income (ytd only)* | 56.9069% | 1,654 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4592% | 2,465 |
| Loan loss allowance to noncurrent loans | 160.0282% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 3,294 |
| Noncurrent loans to loans | 0.9119% | 2,847 |
| Net loans and leases to total assets | 75.8178% | 1,389 |
| Net loans and leases to deposits | 100.1453% | 650 |
| Net loans and leases to core deposits | 110.7621% | 793 |
| Total domestic deposits to total assets | 75.7078% | 5,632 |
| Equity capital to assets | 8.3914% | 5,766 |
| Core capital (leverage) ratio | 8.4539% | 5,575 |
| Tier 1 risk-based capital ratio | 9.6192% | 6,178 |
| Total risk-based capital ratio | 10.8691% | 6,151 |
| Memoranda: |
| Average total assets | $98,684,330 | 4,573 |
| Average earning assets | $89,935,670 | 4,595 |
| Average equity | $8,314,670 | 5,096 |
| Average total loans | $74,426,670 | 4,047 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4209% | 289 |
| Cost of funding earning assets | 0.3287% | 4,113 |
| Net interest margin | 5.0922% | 213 |
| Noninterest income to average assets | 0.5248% | 3,124 |
| Noninterest expense to average assets | 2.3491% | 4,746 |
| Loan and lease loss provision to assets | 0.1230% | 1,693 |
| Net operating income to assets | 2.6894% | 112 |
| Return on assets (ROA) | 2.7139% | 120 |
| Pretax return on assets | 2.7139% | 185 |
| Return on Equity (ROE) | 32.1437% | 49 |
| Retained earnings to average equity (ytd only) | 18.5967% | 129 |
| Net charge-offs to loans | -0.1263% | 5,928 |
| Credit loss provision to net charge-offs | -130.4348% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4329% | 6,129 |
| Assets per employee ($millions) | 4.4502% | 3,135 |
| Cash dividends to net income (ytd only)* | 42.1450% | 1,982 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5062% | 2,417 |
| Loan loss allowance to noncurrent loans | 206.5421% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 3,854 |
| Noncurrent loans to loans | 0.7293% | 3,436 |
| Net loans and leases to total assets | 73.8042% | 1,534 |
| Net loans and leases to deposits | 91.8308% | 1,208 |
| Net loans and leases to core deposits | 105.4015% | 979 |
| Total domestic deposits to total assets | 80.3697% | 4,967 |
| Equity capital to assets | 8.6155% | 5,647 |
| Core capital (leverage) ratio | 8.6271% | 5,397 |
| Tier 1 risk-based capital ratio | 10.2197% | 6,105 |
| Total risk-based capital ratio | 11.4697% | 6,051 |
| Memoranda: |
| Average total assets | $97,570,000 | 4,635 |
| Average earning assets | $88,842,000 | 4,661 |
| Average equity | $8,238,000 | 5,151 |
| Average total loans | $72,818,500 | 4,107 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4899% | 323 |
| Cost of funding earning assets | 0.3750% | 3,979 |
| Net interest margin | 5.1149% | 248 |
| Noninterest income to average assets | 0.4638% | 3,755 |
| Noninterest expense to average assets | 2.9901% | 2,873 |
| Loan and lease loss provision to assets | 0.1361% | 1,929 |
| Net operating income to assets | 1.9469% | 359 |
| Return on assets (ROA) | 2.0058% | 335 |
| Pretax return on assets | 2.0058% | 507 |
| Return on Equity (ROE) | 23.6219% | 130 |
| Retained earnings to average equity (ytd only) | 6.1024% | 1,855 |
| Net charge-offs to loans | 0.2853% | 1,522 |
| Credit loss provision to net charge-offs | 66.2983% | 3,158 |
| Earnings coverage of net charge-offs (x) | 10.1492% | 2,651 |
| Efficiency ratio | 58.8735% | 5,361 |
| Assets per employee ($millions) | 4.6302% | 2,832 |
| Cash dividends to net income (ytd only)* | 74.1662% | 1,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4556% | 2,668 |
| Loan loss allowance to noncurrent loans | 338.2637% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 4,658 |
| Noncurrent loans to loans | 0.4303% | 4,353 |
| Net loans and leases to total assets | 73.2473% | 1,716 |
| Net loans and leases to deposits | 91.4193% | 1,354 |
| Net loans and leases to core deposits | 105.0751% | 1,071 |
| Total domestic deposits to total assets | 80.1224% | 4,981 |
| Equity capital to assets | 8.2697% | 5,917 |
| Core capital (leverage) ratio | 8.6690% | 5,368 |
| Tier 1 risk-based capital ratio | 10.6176% | 6,056 |
| Total risk-based capital ratio | 11.8698% | 5,996 |
| Memoranda: |
| Average total assets | $88,192,400 | 4,889 |
| Average earning assets | $79,473,800 | 4,896 |
| Average equity | $7,488,800 | 5,308 |
| Average total loans | $63,452,600 | 4,381 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4156% | 369 |
| Cost of funding earning assets | 0.3824% | 3,993 |
| Net interest margin | 5.0332% | 280 |
| Noninterest income to average assets | 0.4034% | 4,222 |
| Noninterest expense to average assets | 2.6656% | 3,962 |
| Loan and lease loss provision to assets | 0.1862% | 1,314 |
| Net operating income to assets | 2.0853% | 293 |
| Return on assets (ROA) | 2.1551% | 268 |
| Pretax return on assets | 2.1551% | 402 |
| Return on Equity (ROE) | 25.1940% | 101 |
| Retained earnings to average equity (ytd only) | 1.9590% | 5,082 |
| Net charge-offs to loans | -0.0435% | 5,857 |
| Credit loss provision to net charge-offs | -600.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9283% | 5,829 |
| Assets per employee ($millions) | 4.0767% | 3,716 |
| Cash dividends to net income (ytd only)* | 92.2250% | 479 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8821% | 1,496 |
| Loan loss allowance to noncurrent loans | 134.0107% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0737% | 2,812 |
| Noncurrent loans to loans | 1.4045% | 2,310 |
| Net loans and leases to total assets | 72.8314% | 1,708 |
| Net loans and leases to deposits | 87.9863% | 1,672 |
| Net loans and leases to core deposits | 99.7892% | 1,386 |
| Total domestic deposits to total assets | 82.7758% | 4,215 |
| Equity capital to assets | 8.4738% | 5,815 |
| Core capital (leverage) ratio | 8.7818% | 5,360 |
| Tier 1 risk-based capital ratio | 11.0526% | 5,967 |
| Total risk-based capital ratio | 12.3102% | 5,922 |
| Memoranda: |
| Average total assets | $85,931,750 | 4,977 |
| Average earning assets | $77,403,500 | 4,991 |
| Average equity | $7,350,750 | 5,370 |
| Average total loans | $61,247,250 | 4,488 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4269% | 356 |
| Cost of funding earning assets | 0.3957% | 3,908 |
| Net interest margin | 5.0312% | 268 |
| Noninterest income to average assets | 0.6212% | 2,704 |
| Noninterest expense to average assets | 2.6216% | 4,166 |
| Loan and lease loss provision to assets | 0.2834% | 715 |
| Net operating income to assets | 2.2201% | 222 |
| Return on assets (ROA) | 2.3099% | 196 |
| Pretax return on assets | 2.3099% | 300 |
| Return on Equity (ROE) | 26.9137% | 83 |
| Retained earnings to average equity (ytd only) | 1.2659% | 5,244 |
| Net charge-offs to loans | -0.0908% | 6,116 |
| Credit loss provision to net charge-offs | -444.4444% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0599% | 6,120 |
| Assets per employee ($millions) | 3.9619% | 3,923 |
| Cash dividends to net income (ytd only)* | 95.2965% | 591 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0486% | 1,279 |
| Loan loss allowance to noncurrent loans | 143.8356% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8265% | 1,775 |
| Noncurrent loans to loans | 1.4243% | 2,423 |
| Net loans and leases to total assets | 69.1196% | 2,218 |
| Net loans and leases to deposits | 82.4666% | 2,197 |
| Net loans and leases to core deposits | 89.7493% | 2,150 |
| Total domestic deposits to total assets | 83.8152% | 3,989 |
| Equity capital to assets | 8.6012% | 5,716 |
| Core capital (leverage) ratio | 8.9076% | 5,150 |
| Tier 1 risk-based capital ratio | 11.6219% | 5,730 |
| Total risk-based capital ratio | 12.8804% | 5,679 |
| Memoranda: |
| Average total assets | $84,679,670 | 5,046 |
| Average earning assets | $75,807,000 | 5,081 |
| Average equity | $7,267,670 | 5,419 |
| Average total loans | $59,471,670 | 4,564 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4055% | 346 |
| Cost of funding earning assets | 0.4125% | 3,833 |
| Net interest margin | 4.9930% | 279 |
| Noninterest income to average assets | 0.6088% | 2,685 |
| Noninterest expense to average assets | 2.5887% | 4,307 |
| Loan and lease loss provision to assets | 0.2876% | 692 |
| Net operating income to assets | 2.2004% | 238 |
| Return on assets (ROA) | 2.2675% | 221 |
| Pretax return on assets | 2.2675% | 323 |
| Return on Equity (ROE) | 26.4504% | 104 |
| Retained earnings to average equity (ytd only) | 0.8947% | 5,240 |
| Net charge-offs to loans | -0.2600% | 6,449 |
| Credit loss provision to net charge-offs | -157.8947% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8026% | 6,206 |
| Assets per employee ($millions) | 4.7396% | 2,614 |
| Cash dividends to net income (ytd only)* | 96.6173% | 726 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0822% | 1,363 |
| Loan loss allowance to noncurrent loans | 101.4238% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 2.2400% | 1,473 |
| Noncurrent loans to loans | 2.0530% | 1,807 |
| Net loans and leases to total assets | 66.7530% | 2,441 |
| Net loans and leases to deposits | 75.7583% | 2,835 |
| Net loans and leases to core deposits | 83.6317% | 2,557 |
| Total domestic deposits to total assets | 88.1132% | 2,169 |
| Equity capital to assets | 8.4887% | 5,667 |
| Core capital (leverage) ratio | 9.1200% | 4,835 |
| Tier 1 risk-based capital ratio | 12.1933% | 5,511 |
| Total risk-based capital ratio | 13.4530% | 5,439 |
| Memoranda: |
| Average total assets | $83,438,500 | 5,121 |
| Average earning assets | $74,665,000 | 5,154 |
| Average equity | $7,153,000 | 5,480 |
| Average total loans | $58,454,500 | 4,636 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6444% | 287 |
| Cost of funding earning assets | 0.5003% | 3,608 |
| Net interest margin | 5.1441% | 234 |
| Noninterest income to average assets | 0.5631% | 3,310 |
| Noninterest expense to average assets | 2.5967% | 4,476 |
| Loan and lease loss provision to assets | 0.1525% | 2,372 |
| Net operating income to assets | 2.4136% | 187 |
| Return on assets (ROA) | 2.5052% | 171 |
| Pretax return on assets | 2.5052% | 198 |
| Return on Equity (ROE) | 28.8986% | 80 |
| Retained earnings to average equity (ytd only) | 16.3187% | 143 |
| Net charge-offs to loans | -0.0415% | 6,290 |
| Credit loss provision to net charge-offs | -521.7391% | 6,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7292% | 6,407 |
| Assets per employee ($millions) | 4.7979% | 2,450 |
| Cash dividends to net income (ytd only)* | 43.5312% | 2,629 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8945% | 1,796 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 2.2436% | 1,585 |
| Noncurrent loans to loans | 1.8945% | 2,124 |
| Net loans and leases to total assets | 70.6635% | 1,907 |
| Net loans and leases to deposits | 84.4100% | 1,876 |
| Net loans and leases to core deposits | 92.5196% | 1,730 |
| Total domestic deposits to total assets | 83.7146% | 4,278 |
| Equity capital to assets | 8.6607% | 5,410 |
| Core capital (leverage) ratio | 9.3472% | 4,481 |
| Tier 1 risk-based capital ratio | 12.3439% | 5,399 |
| Total risk-based capital ratio | 13.6007% | 5,319 |
| Memoranda: |
| Average total assets | $78,677,800 | 5,269 |
| Average earning assets | $70,352,600 | 5,301 |
| Average equity | $6,820,400 | 5,615 |
| Average total loans | $55,462,400 | 4,767 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6219% | 309 |
| Cost of funding earning assets | 0.5168% | 3,601 |
| Net interest margin | 5.1050% | 256 |
| Noninterest income to average assets | 0.5661% | 3,359 |
| Noninterest expense to average assets | 2.4509% | 4,875 |
| Loan and lease loss provision to assets | 0.1539% | 2,342 |
| Net operating income to assets | 2.5227% | 168 |
| Return on assets (ROA) | 2.6373% | 156 |
| Pretax return on assets | 2.6373% | 205 |
| Return on Equity (ROE) | 30.4157% | 65 |
| Retained earnings to average equity (ytd only) | 16.6083% | 143 |
| Net charge-offs to loans | -0.2147% | 6,665 |
| Credit loss provision to net charge-offs | -102.2727% | 5,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1314% | 6,548 |
| Assets per employee ($millions) | 4.6708% | 2,619 |
| Cash dividends to net income (ytd only)* | 45.3956% | 2,072 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0272% | 1,657 |
| Loan loss allowance to noncurrent loans | 85.1001% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 2.6019% | 1,461 |
| Noncurrent loans to loans | 2.3821% | 1,845 |
| Net loans and leases to total assets | 69.8731% | 1,996 |
| Net loans and leases to deposits | 80.8457% | 2,284 |
| Net loans and leases to core deposits | 89.6360% | 2,008 |
| Total domestic deposits to total assets | 86.4276% | 3,005 |
| Equity capital to assets | 8.5701% | 5,660 |
| Core capital (leverage) ratio | 9.0845% | 4,989 |
| Tier 1 risk-based capital ratio | 12.3018% | 5,571 |
| Total risk-based capital ratio | 13.5608% | 5,507 |
| Memoranda: |
| Average total assets | $77,956,250 | 5,339 |
| Average earning assets | $69,655,000 | 5,371 |
| Average equity | $6,759,500 | 5,701 |
| Average total loans | $54,640,750 | 4,832 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5690% | 341 |
| Cost of funding earning assets | 0.5184% | 3,719 |
| Net interest margin | 5.0506% | 286 |
| Noninterest income to average assets | 0.5705% | 3,381 |
| Noninterest expense to average assets | 2.4266% | 4,975 |
| Loan and lease loss provision to assets | 0.1549% | 2,379 |
| Net operating income to assets | 2.4912% | 178 |
| Return on assets (ROA) | 2.6615% | 155 |
| Pretax return on assets | 2.6615% | 218 |
| Return on Equity (ROE) | 30.5738% | 68 |
| Retained earnings to average equity (ytd only) | 14.2638% | 288 |
| Net charge-offs to loans | -0.3779% | 6,791 |
| Credit loss provision to net charge-offs | -58.8235% | 5,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9720% | 6,589 |
| Assets per employee ($millions) | 4.7286% | 2,479 |
| Cash dividends to net income (ytd only)* | 53.3463% | 1,726 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9942% | 1,861 |
| Loan loss allowance to noncurrent loans | 84.1010% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 2.5664% | 1,635 |
| Noncurrent loans to loans | 2.3712% | 1,992 |
| Net loans and leases to total assets | 69.2073% | 2,031 |
| Net loans and leases to deposits | 83.0542% | 1,922 |
| Net loans and leases to core deposits | 91.1688% | 1,792 |
| Total domestic deposits to total assets | 83.3279% | 4,580 |
| Equity capital to assets | 8.1494% | 6,095 |
| Core capital (leverage) ratio | 8.9274% | 5,104 |
| Tier 1 risk-based capital ratio | 11.5903% | 6,063 |
| Total risk-based capital ratio | 12.8469% | 6,012 |
| Memoranda: |
| Average total assets | $77,473,670 | 5,379 |
| Average earning assets | $69,061,000 | 5,417 |
| Average equity | $6,744,330 | 5,748 |
| Average total loans | $53,977,670 | 4,883 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5099% | 364 |
| Cost of funding earning assets | 0.5219% | 3,864 |
| Net interest margin | 4.9880% | 300 |
| Noninterest income to average assets | 0.5736% | 3,281 |
| Noninterest expense to average assets | 2.3994% | 5,122 |
| Loan and lease loss provision to assets | 0.1579% | 2,290 |
| Net operating income to assets | 2.4415% | 172 |
| Return on assets (ROA) | 2.4415% | 185 |
| Pretax return on assets | 2.4415% | 291 |
| Return on Equity (ROE) | 27.1305% | 102 |
| Retained earnings to average equity (ytd only) | 26.4289% | 55 |
| Net charge-offs to loans | -0.1978% | 6,675 |
| Credit loss provision to net charge-offs | -115.3846% | 5,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0526% | 6,649 |
| Assets per employee ($millions) | 4.2212% | 3,500 |
| Cash dividends to net income (ytd only)* | 2.5862% | 2,639 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9264% | 2,229 |
| Loan loss allowance to noncurrent loans | 76.6816% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 2.7520% | 1,651 |
| Noncurrent loans to loans | 2.5122% | 2,058 |
| Net loans and leases to total assets | 68.7461% | 1,882 |
| Net loans and leases to deposits | 78.9319% | 2,223 |
| Net loans and leases to core deposits | 88.6870% | 1,836 |
| Total domestic deposits to total assets | 87.0955% | 2,906 |
| Equity capital to assets | 9.2536% | 5,190 |
| Core capital (leverage) ratio | 9.2293% | 4,514 |
| Tier 1 risk-based capital ratio | 12.2988% | 5,719 |
| Total risk-based capital ratio | 13.5557% | 5,668 |
| Memoranda: |
| Average total assets | $76,017,500 | 5,462 |
| Average earning assets | $67,442,000 | 5,509 |
| Average equity | $6,841,000 | 5,783 |
| Average total loans | $52,584,000 | 4,962 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8839% | 321 |
| Cost of funding earning assets | 0.7011% | 3,485 |
| Net interest margin | 5.1829% | 278 |
| Noninterest income to average assets | 0.6602% | 2,938 |
| Noninterest expense to average assets | 2.7363% | 4,267 |
| Loan and lease loss provision to assets | 0.4486% | 1,409 |
| Net operating income to assets | 2.1181% | 295 |
| Return on assets (ROA) | 2.6774% | 136 |
| Pretax return on assets | 2.6774% | 200 |
| Return on Equity (ROE) | 28.5808% | 82 |
| Retained earnings to average equity (ytd only) | 9.2027% | 759 |
| Net charge-offs to loans | 0.7266% | 1,618 |
| Credit loss provision to net charge-offs | 91.6905% | 3,402 |
| Earnings coverage of net charge-offs (x) | 5.2464% | 3,094 |
| Efficiency ratio | 50.4097% | 6,566 |
| Assets per employee ($millions) | 4.2252% | 3,503 |
| Cash dividends to net income (ytd only)* | 67.8010% | 1,454 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8687% | 2,391 |
| Loan loss allowance to noncurrent loans | 71.6925% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 2.7323% | 1,766 |
| Noncurrent loans to loans | 2.6065% | 2,029 |
| Net loans and leases to total assets | 66.9761% | 2,367 |
| Net loans and leases to deposits | 80.6517% | 2,198 |
| Net loans and leases to core deposits | 90.6160% | 1,763 |
| Total domestic deposits to total assets | 83.0436% | 4,705 |
| Equity capital to assets | 8.7451% | 5,805 |
| Core capital (leverage) ratio | 8.9466% | 4,974 |
| Tier 1 risk-based capital ratio | 11.8574% | 5,871 |
| Total risk-based capital ratio | 13.1136% | 5,827 |
| Memoranda: |
| Average total assets | $71,337,600 | 5,592 |
| Average earning assets | $63,902,800 | 5,612 |
| Average equity | $6,682,800 | 5,853 |
| Average total loans | $48,033,800 | 5,178 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9344% | 314 |
| Cost of funding earning assets | 0.7384% | 3,450 |
| Net interest margin | 5.1960% | 295 |
| Noninterest income to average assets | 0.6499% | 2,995 |
| Noninterest expense to average assets | 2.6283% | 4,645 |
| Loan and lease loss provision to assets | 0.1710% | 3,416 |
| Net operating income to assets | 2.5447% | 161 |
| Return on assets (ROA) | 3.1186% | 102 |
| Pretax return on assets | 3.1186% | 139 |
| Return on Equity (ROE) | 32.7011% | 50 |
| Retained earnings to average equity (ytd only) | 18.8514% | 98 |
| Net charge-offs to loans | 0.0340% | 5,168 |
| Credit loss provision to net charge-offs | 750.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 119.0806% | 361 |
| Efficiency ratio | 48.0085% | 6,715 |
| Assets per employee ($millions) | 3.9759% | 3,919 |
| Cash dividends to net income (ytd only)* | 42.3520% | 2,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1444% | 1,819 |
| Loan loss allowance to noncurrent loans | 81.0994% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 2.8854% | 1,815 |
| Noncurrent loans to loans | 2.6442% | 2,146 |
| Net loans and leases to total assets | 68.6713% | 2,180 |
| Net loans and leases to deposits | 80.6201% | 2,301 |
| Net loans and leases to core deposits | 89.5452% | 2,045 |
| Total domestic deposits to total assets | 85.1789% | 3,669 |
| Equity capital to assets | 10.0018% | 4,490 |
| Core capital (leverage) ratio | 9.4546% | 4,345 |
| Tier 1 risk-based capital ratio | 12.9947% | 5,256 |
| Total risk-based capital ratio | 14.2544% | 5,208 |
| Memoranda: |
| Average total assets | $70,158,500 | 5,694 |
| Average earning assets | $63,380,250 | 5,682 |
| Average equity | $6,690,750 | 5,914 |
| Average total loans | $47,065,250 | 5,266 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8605% | 370 |
| Cost of funding earning assets | 0.7714% | 3,436 |
| Net interest margin | 5.0890% | 343 |
| Noninterest income to average assets | 0.6256% | 3,098 |
| Noninterest expense to average assets | 2.7006% | 4,423 |
| Loan and lease loss provision to assets | 0.1722% | 3,382 |
| Net operating income to assets | 2.3533% | 220 |
| Return on assets (ROA) | 2.5915% | 171 |
| Pretax return on assets | 2.5915% | 266 |
| Return on Equity (ROE) | 27.6358% | 106 |
| Retained earnings to average equity (ytd only) | 9.4262% | 1,135 |
| Net charge-offs to loans | 0.0956% | 4,202 |
| Credit loss provision to net charge-offs | 272.7273% | 1,066 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 875 |
| Efficiency ratio | 50.4668% | 6,609 |
| Assets per employee ($millions) | 4.1915% | 3,470 |
| Cash dividends to net income (ytd only)* | 65.8915% | 1,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1532% | 1,876 |
| Loan loss allowance to noncurrent loans | 37.6133% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 4.9035% | 981 |
| Noncurrent loans to loans | 5.7247% | 791 |
| Net loans and leases to total assets | 66.1329% | 2,644 |
| Net loans and leases to deposits | 78.0001% | 2,669 |
| Net loans and leases to core deposits | 87.7670% | 2,236 |
| Total domestic deposits to total assets | 84.7856% | 3,955 |
| Equity capital to assets | 9.2962% | 5,325 |
| Core capital (leverage) ratio | 8.7572% | 5,284 |
| Tier 1 risk-based capital ratio | 12.1507% | 5,832 |
| Total risk-based capital ratio | 13.4097% | 5,802 |
| Memoranda: |
| Average total assets | $69,689,000 | 5,738 |
| Average earning assets | $62,998,330 | 5,737 |
| Average equity | $6,535,000 | 5,974 |
| Average total loans | $46,012,670 | 5,341 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8287% | 407 |
| Cost of funding earning assets | 0.8208% | 3,304 |
| Net interest margin | 5.0079% | 393 |
| Noninterest income to average assets | 0.6095% | 3,168 |
| Noninterest expense to average assets | 2.7864% | 4,093 |
| Loan and lease loss provision to assets | 0.1742% | 3,225 |
| Net operating income to assets | 2.1827% | 301 |
| Return on assets (ROA) | 2.6181% | 184 |
| Pretax return on assets | 2.6181% | 282 |
| Return on Equity (ROE) | 27.7945% | 130 |
| Retained earnings to average equity (ytd only) | 27.7945% | 72 |
| Net charge-offs to loans | 0.1157% | 3,423 |
| Credit loss provision to net charge-offs | 230.7692% | 1,213 |
| Earnings coverage of net charge-offs (x) | 31.2308% | 892 |
| Efficiency ratio | 52.9345% | 6,443 |
| Assets per employee ($millions) | 4.0501% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2236% | 1,839 |
| Loan loss allowance to noncurrent loans | 36.2987% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 5.1357% | 998 |
| Noncurrent loans to loans | 6.1258% | 815 |
| Net loans and leases to total assets | 64.8879% | 2,674 |
| Net loans and leases to deposits | 76.1804% | 2,771 |
| Net loans and leases to core deposits | 85.4226% | 2,357 |
| Total domestic deposits to total assets | 85.1767% | 3,950 |
| Equity capital to assets | 9.8067% | 4,362 |
| Core capital (leverage) ratio | 9.0345% | 4,783 |
| Tier 1 risk-based capital ratio | 13.0091% | 5,211 |
| Total risk-based capital ratio | 14.2702% | 5,175 |
| Memoranda: |
| Average total assets | $68,906,000 | 5,802 |
| Average earning assets | $62,381,000 | 5,801 |
| Average equity | $6,490,500 | 6,014 |
| Average total loans | $44,939,000 | 5,424 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5459% | 1,065 |
| Cost of funding earning assets | 1.1971% | 2,044 |
| Net interest margin | 4.3487% | 1,547 |
| Noninterest income to average assets | 0.1976% | 6,092 |
| Noninterest expense to average assets | 2.6563% | 4,899 |
| Loan and lease loss provision to assets | 0.2761% | 3,457 |
| Net operating income to assets | 1.1698% | 1,605 |
| Return on assets (ROA) | 1.3165% | 1,302 |
| Pretax return on assets | 1.3354% | 1,997 |
| Return on Equity (ROE) | 16.0139% | 596 |
| Retained earnings to average equity (ytd only) | 14.2463% | 163 |
| Net charge-offs to loans | -0.0300% | 7,001 |
| Credit loss provision to net charge-offs | -1,461.5385% | 6,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8924% | 5,319 |
| Assets per employee ($millions) | 3.8312% | 4,248 |
| Cash dividends to net income (ytd only)* | 11.0375% | 3,834 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2609% | 1,688 |
| Loan loss allowance to noncurrent loans | 34.9423% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 5.2493% | 994 |
| Noncurrent loans to loans | 6.4704% | 728 |
| Net loans and leases to total assets | 62.6253% | 3,485 |
| Net loans and leases to deposits | 77.9563% | 2,848 |
| Net loans and leases to core deposits | 87.6840% | 2,403 |
| Total domestic deposits to total assets | 80.3338% | 5,653 |
| Equity capital to assets | 9.0326% | 5,513 |
| Core capital (leverage) ratio | 8.4991% | 5,562 |
| Tier 1 risk-based capital ratio | 12.3904% | 5,545 |
| Total risk-based capital ratio | 13.6513% | 5,504 |
| Memoranda: |
| Average total assets | $68,816,400 | 5,782 |
| Average earning assets | $62,064,400 | 5,803 |
| Average equity | $5,657,600 | 6,248 |
| Average total loans | $43,352,000 | 5,543 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4066% | 1,492 |
| Cost of funding earning assets | 1.3059% | 1,666 |
| Net interest margin | 4.1006% | 2,472 |
| Noninterest income to average assets | 0.6320% | 2,980 |
| Noninterest expense to average assets | 2.5336% | 5,339 |
| Loan and lease loss provision to assets | 0.2132% | 3,890 |
| Net operating income to assets | 1.5562% | 835 |
| Return on assets (ROA) | 1.7039% | 683 |
| Pretax return on assets | 1.7291% | 1,083 |
| Return on Equity (ROE) | 21.2516% | 247 |
| Retained earnings to average equity (ytd only) | 21.2516% | 59 |
| Net charge-offs to loans | -0.1143% | 7,191 |
| Credit loss provision to net charge-offs | -297.2973% | 6,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0789% | 6,133 |
| Assets per employee ($millions) | 3.5844% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2378% | 1,798 |
| Loan loss allowance to noncurrent loans | 29.7664% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 6.2096% | 847 |
| Noncurrent loans to loans | 7.5180% | 622 |
| Net loans and leases to total assets | 60.4898% | 4,044 |
| Net loans and leases to deposits | 70.4326% | 4,233 |
| Net loans and leases to core deposits | 75.1217% | 4,308 |
| Total domestic deposits to total assets | 85.8834% | 3,279 |
| Equity capital to assets | 9.3005% | 5,383 |
| Core capital (leverage) ratio | 8.5465% | 5,644 |
| Tier 1 risk-based capital ratio | 13.0431% | 5,065 |
| Total risk-based capital ratio | 14.3029% | 5,030 |
| Memoranda: |
| Average total assets | $68,780,250 | 5,822 |
| Average earning assets | $61,972,500 | 5,846 |
| Average equity | $5,514,750 | 6,331 |
| Average total loans | $43,143,500 | 5,598 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3344% | 1,768 |
| Cost of funding earning assets | 1.4052% | 1,400 |
| Net interest margin | 3.9293% | 3,173 |
| Noninterest income to average assets | 0.6231% | 2,985 |
| Noninterest expense to average assets | 2.5824% | 5,253 |
| Loan and lease loss provision to assets | 0.2319% | 3,587 |
| Net operating income to assets | 1.3165% | 1,280 |
| Return on assets (ROA) | 1.4318% | 1,076 |
| Pretax return on assets | 1.4694% | 1,614 |
| Return on Equity (ROE) | 18.8490% | 403 |
| Retained earnings to average equity (ytd only) | 18.8490% | 118 |
| Net charge-offs to loans | -0.1380% | 7,236 |
| Credit loss provision to net charge-offs | -266.6667% | 6,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4732% | 5,805 |
| Assets per employee ($millions) | 3.6496% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1925% | 1,934 |
| Loan loss allowance to noncurrent loans | 31.2845% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 5.7064% | 1,015 |
| Noncurrent loans to loans | 7.0082% | 736 |
| Net loans and leases to total assets | 58.2856% | 4,580 |
| Net loans and leases to deposits | 66.8271% | 4,880 |
| Net loans and leases to core deposits | 72.8759% | 4,726 |
| Total domestic deposits to total assets | 87.2186% | 2,615 |
| Equity capital to assets | 8.2388% | 6,482 |
| Core capital (leverage) ratio | 7.8086% | 6,501 |
| Tier 1 risk-based capital ratio | 12.5233% | 5,321 |
| Total risk-based capital ratio | 13.7841% | 5,290 |
| Memoranda: |
| Average total assets | $69,005,670 | 5,852 |
| Average earning assets | $62,199,670 | 5,882 |
| Average equity | $5,241,670 | 6,452 |
| Average total loans | $43,478,330 | 5,633 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1603% | 2,380 |
| Cost of funding earning assets | 1.5416% | 1,014 |
| Net interest margin | 3.6187% | 4,489 |
| Noninterest income to average assets | 0.6159% | 3,065 |
| Noninterest expense to average assets | 2.5451% | 5,404 |
| Loan and lease loss provision to assets | 0.1743% | 3,880 |
| Net operating income to assets | 1.1564% | 1,641 |
| Return on assets (ROA) | 1.1564% | 1,693 |
| Pretax return on assets | 1.1564% | 2,530 |
| Return on Equity (ROE) | 15.9009% | 690 |
| Retained earnings to average equity (ytd only) | 15.9009% | 328 |
| Net charge-offs to loans | -0.0359% | 6,769 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0180% | 5,361 |
| Assets per employee ($millions) | 3.8503% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8884% | 2,728 |
| Loan loss allowance to noncurrent loans | 28.9703% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 5.6662% | 1,048 |
| Noncurrent loans to loans | 6.5183% | 911 |
| Net loans and leases to total assets | 62.2212% | 3,806 |
| Net loans and leases to deposits | 70.8782% | 4,212 |
| Net loans and leases to core deposits | 78.0450% | 4,010 |
| Total domestic deposits to total assets | 87.7861% | 2,495 |
| Equity capital to assets | 7.6602% | 6,777 |
| Core capital (leverage) ratio | 7.3939% | 6,794 |
| Tier 1 risk-based capital ratio | 11.2037% | 6,346 |
| Total risk-based capital ratio | 12.4575% | 6,315 |
| Memoranda: |
| Average total assets | $68,837,000 | 5,906 |
| Average earning assets | $62,011,500 | 5,934 |
| Average equity | $5,006,000 | 6,562 |
| Average total loans | $44,556,000 | 5,632 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1651% | 613 |
| Cost of funding earning assets | 1.7149% | 1,530 |
| Net interest margin | 4.4502% | 1,349 |
| Noninterest income to average assets | 0.2129% | 6,286 |
| Noninterest expense to average assets | 2.7671% | 4,720 |
| Loan and lease loss provision to assets | 1.3670% | 1,106 |
| Net operating income to assets | 0.0465% | 5,709 |
| Return on assets (ROA) | 0.0690% | 5,799 |
| Pretax return on assets | 0.0690% | 5,762 |
| Return on Equity (ROE) | 0.9539% | 5,715 |
| Retained earnings to average equity (ytd only) | -0.6428% | 5,736 |
| Net charge-offs to loans | 1.4924% | 1,475 |
| Credit loss provision to net charge-offs | 136.7316% | 2,804 |
| Earnings coverage of net charge-offs (x) | 1.4138% | 4,702 |
| Efficiency ratio | 64.5751% | 5,247 |
| Assets per employee ($millions) | 3.7982% | 4,264 |
| Cash dividends to net income (ytd only)* | 167.3913% | 146 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7627% | 2,982 |
| Loan loss allowance to noncurrent loans | 423.4043% | 734 |
| Noncurrent assets plus other real estate owned to assets | 1.8283% | 3,591 |
| Noncurrent loans to loans | 0.4163% | 6,214 |
| Net loans and leases to total assets | 64.8885% | 3,689 |
| Net loans and leases to deposits | 75.6919% | 3,888 |
| Net loans and leases to core deposits | 85.3151% | 3,426 |
| Total domestic deposits to total assets | 85.7272% | 3,486 |
| Equity capital to assets | 6.8789% | 7,147 |
| Core capital (leverage) ratio | 6.8894% | 7,075 |
| Tier 1 risk-based capital ratio | 10.1913% | 6,874 |
| Total risk-based capital ratio | 11.4461% | 6,852 |
| Memoranda: |
| Average total assets | $66,713,400 | 5,972 |
| Average earning assets | $59,480,000 | 6,011 |
| Average equity | $4,822,400 | 6,717 |
| Average total loans | $44,691,800 | 5,716 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2247% | 587 |
| Cost of funding earning assets | 1.7397% | 1,674 |
| Net interest margin | 4.4849% | 1,293 |
| Noninterest income to average assets | 0.7903% | 2,286 |
| Noninterest expense to average assets | 2.7833% | 4,558 |
| Loan and lease loss provision to assets | 0.9150% | 1,653 |
| Net operating income to assets | 1.0839% | 1,951 |
| Return on assets (ROA) | 1.1141% | 1,950 |
| Pretax return on assets | 1.1141% | 2,782 |
| Return on Equity (ROE) | 15.2228% | 824 |
| Retained earnings to average equity (ytd only) | 13.1069% | 336 |
| Net charge-offs to loans | 0.4816% | 3,351 |
| Credit loss provision to net charge-offs | 282.6087% | 1,147 |
| Earnings coverage of net charge-offs (x) | 6.1739% | 2,582 |
| Efficiency ratio | 56.7704% | 6,449 |
| Assets per employee ($millions) | 3.6676% | 4,571 |
| Cash dividends to net income (ytd only)* | 13.8983% | 3,196 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8903% | 2,511 |
| Loan loss allowance to noncurrent loans | 174.5868% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 3.3371% | 2,131 |
| Noncurrent loans to loans | 1.0827% | 5,072 |
| Net loans and leases to total assets | 66.4339% | 3,587 |
| Net loans and leases to deposits | 77.7951% | 3,864 |
| Net loans and leases to core deposits | 86.8404% | 3,537 |
| Total domestic deposits to total assets | 85.3960% | 3,409 |
| Equity capital to assets | 8.1541% | 6,664 |
| Core capital (leverage) ratio | 7.3699% | 6,965 |
| Tier 1 risk-based capital ratio | 10.8851% | 6,473 |
| Total risk-based capital ratio | 12.1416% | 6,450 |
| Memoranda: |
| Average total assets | $66,299,750 | 6,055 |
| Average earning assets | $59,011,000 | 6,095 |
| Average equity | $4,852,250 | 6,796 |
| Average total loans | $44,575,000 | 5,804 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1980% | 626 |
| Cost of funding earning assets | 1.7593% | 1,821 |
| Net interest margin | 4.4387% | 1,348 |
| Noninterest income to average assets | 0.8495% | 1,884 |
| Noninterest expense to average assets | 2.7322% | 4,776 |
| Loan and lease loss provision to assets | 1.2772% | 1,087 |
| Net operating income to assets | 0.7553% | 3,171 |
| Return on assets (ROA) | 0.7983% | 3,125 |
| Pretax return on assets | 0.8374% | 3,749 |
| Return on Equity (ROE) | 11.3361% | 1,637 |
| Retained earnings to average equity (ytd only) | 8.0422% | 1,424 |
| Net charge-offs to loans | 0.6422% | 2,614 |
| Credit loss provision to net charge-offs | 296.5035% | 1,254 |
| Earnings coverage of net charge-offs (x) | 4.8042% | 2,838 |
| Efficiency ratio | 55.5207% | 6,698 |
| Assets per employee ($millions) | 3.7278% | 4,387 |
| Cash dividends to net income (ytd only)* | 29.0566% | 2,548 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8306% | 2,632 |
| Loan loss allowance to noncurrent loans | 101.0936% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 3.7884% | 1,841 |
| Noncurrent loans to loans | 1.8108% | 3,988 |
| Net loans and leases to total assets | 66.4948% | 3,736 |
| Net loans and leases to deposits | 80.8663% | 3,456 |
| Net loans and leases to core deposits | 87.8117% | 3,570 |
| Total domestic deposits to total assets | 82.2280% | 4,894 |
| Equity capital to assets | 7.1878% | 7,281 |
| Core capital (leverage) ratio | 6.8106% | 7,277 |
| Tier 1 risk-based capital ratio | 9.8550% | 7,100 |
| Total risk-based capital ratio | 11.1114% | 7,079 |
| Memoranda: |
| Average total assets | $66,394,330 | 6,092 |
| Average earning assets | $59,116,000 | 6,138 |
| Average equity | $4,675,330 | 6,883 |
| Average total loans | $44,532,670 | 5,836 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1612% | 693 |
| Cost of funding earning assets | 1.8137% | 1,820 |
| Net interest margin | 4.3475% | 1,541 |
| Noninterest income to average assets | 0.7389% | 2,362 |
| Noninterest expense to average assets | 2.6771% | 5,014 |
| Loan and lease loss provision to assets | 1.5021% | 776 |
| Net operating income to assets | 0.3710% | 4,971 |
| Return on assets (ROA) | 0.4482% | 4,750 |
| Pretax return on assets | 0.5269% | 4,867 |
| Return on Equity (ROE) | 6.4327% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.4327% | 2,390 |
| Net charge-offs to loans | 1.1708% | 1,445 |
| Credit loss provision to net charge-offs | 192.2481% | 1,924 |
| Earnings coverage of net charge-offs (x) | 2.4806% | 3,301 |
| Efficiency ratio | 56.6929% | 6,669 |
| Assets per employee ($millions) | 3.4535% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5238% | 3,790 |
| Loan loss allowance to noncurrent loans | 138.1443% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 3.3589% | 2,119 |
| Noncurrent loans to loans | 1.1030% | 5,150 |
| Net loans and leases to total assets | 65.9900% | 3,852 |
| Net loans and leases to deposits | 80.3862% | 3,578 |
| Net loans and leases to core deposits | 89.0672% | 3,489 |
| Total domestic deposits to total assets | 82.0913% | 5,040 |
| Equity capital to assets | 7.1156% | 7,321 |
| Core capital (leverage) ratio | 6.6266% | 7,422 |
| Tier 1 risk-based capital ratio | 9.7305% | 7,195 |
| Total risk-based capital ratio | 10.9843% | 7,189 |
| Memoranda: |
| Average total assets | $66,041,500 | 6,170 |
| Average earning assets | $58,885,000 | 6,211 |
| Average equity | $4,601,500 | 6,976 |
| Average total loans | $44,074,000 | 5,933 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0154% | 1,807 |
| Cost of funding earning assets | 1.9718% | 3,096 |
| Net interest margin | 4.0435% | 2,677 |
| Noninterest income to average assets | 0.4436% | 4,853 |
| Noninterest expense to average assets | 2.8078% | 4,949 |
| Loan and lease loss provision to assets | 3.5892% | 425 |
| Net operating income to assets | -2.3407% | 7,211 |
| Return on assets (ROA) | -2.1475% | 7,145 |
| Pretax return on assets | -2.1559% | 6,995 |
| Return on Equity (ROE) | -23.8451% | 7,261 |
| Retained earnings to average equity (ytd only) | -24.5914% | 7,252 |
| Net charge-offs to loans | 5.0780% | 249 |
| Credit loss provision to net charge-offs | 107.9879% | 5,129 |
| Earnings coverage of net charge-offs (x) | 0.3731% | 5,740 |
| Efficiency ratio | 67.0818% | 5,166 |
| Assets per employee ($millions) | 3.4983% | 5,003 |
| Cash dividends to net income (ytd only)* | -3.1299% | 7,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2472% | 5,077 |
| Loan loss allowance to noncurrent loans | 42.0932% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 3.5175% | 1,905 |
| Noncurrent loans to loans | 2.9630% | 2,597 |
| Net loans and leases to total assets | 65.6371% | 4,250 |
| Net loans and leases to deposits | 84.5026% | 3,178 |
| Net loans and leases to core deposits | 116.6092% | 2,256 |
| Total domestic deposits to total assets | 77.6746% | 6,306 |
| Equity capital to assets | 6.8214% | 7,456 |
| Core capital (leverage) ratio | 6.8152% | 7,359 |
| Tier 1 risk-based capital ratio | 9.0546% | 7,449 |
| Total risk-based capital ratio | 10.2081% | 7,505 |
| Memoranda: |
| Average total assets | $59,512,000 | 6,371 |
| Average earning assets | $53,047,600 | 6,411 |
| Average equity | $5,359,600 | 6,818 |
| Average total loans | $38,952,400 | 6,161 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9683% | 2,160 |
| Cost of funding earning assets | 2.0171% | 3,269 |
| Net interest margin | 3.9513% | 3,031 |
| Noninterest income to average assets | 0.5839% | 3,826 |
| Noninterest expense to average assets | 2.7602% | 5,062 |
| Loan and lease loss provision to assets | 0.8931% | 2,155 |
| Net operating income to assets | 0.4639% | 4,147 |
| Return on assets (ROA) | 0.7293% | 3,165 |
| Pretax return on assets | 0.7177% | 3,795 |
| Return on Equity (ROE) | 7.5695% | 2,834 |
| Retained earnings to average equity (ytd only) | 7.4019% | 1,349 |
| Net charge-offs to loans | 1.1581% | 1,749 |
| Credit loss provision to net charge-offs | 118.3486% | 4,289 |
| Earnings coverage of net charge-offs (x) | 1.7829% | 4,460 |
| Efficiency ratio | 64.9241% | 5,565 |
| Assets per employee ($millions) | 3.4587% | 5,028 |
| Cash dividends to net income (ytd only)* | 2.2145% | 3,663 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1057% | 5,687 |
| Loan loss allowance to noncurrent loans | 14.7030% | 7,342 |
| Noncurrent assets plus other real estate owned to assets | 6.8122% | 716 |
| Noncurrent loans to loans | 7.5201% | 685 |
| Net loans and leases to total assets | 65.0813% | 4,631 |
| Net loans and leases to deposits | 84.4192% | 3,585 |
| Net loans and leases to core deposits | 111.8482% | 3,038 |
| Total domestic deposits to total assets | 77.0930% | 6,314 |
| Equity capital to assets | 9.4674% | 4,785 |
| Core capital (leverage) ratio | 9.3970% | 4,050 |
| Tier 1 risk-based capital ratio | 12.3590% | 4,661 |
| Total risk-based capital ratio | 13.3452% | 4,832 |
| Memoranda: |
| Average total assets | $57,773,250 | 6,477 |
| Average earning assets | $51,493,000 | 6,520 |
| Average equity | $5,566,000 | 6,824 |
| Average total loans | $37,646,000 | 6,252 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0656% | 1,925 |
| Cost of funding earning assets | 2.0219% | 3,669 |
| Net interest margin | 4.0438% | 2,529 |
| Noninterest income to average assets | 0.5331% | 4,159 |
| Noninterest expense to average assets | 2.7328% | 5,246 |
| Loan and lease loss provision to assets | 0.8778% | 1,919 |
| Net operating income to assets | 0.5260% | 3,995 |
| Return on assets (ROA) | 0.7285% | 3,245 |
| Pretax return on assets | 0.7285% | 3,908 |
| Return on Equity (ROE) | 7.5137% | 2,967 |
| Retained earnings to average equity (ytd only) | 7.2572% | 1,485 |
| Net charge-offs to loans | 1.7078% | 1,106 |
| Credit loss provision to net charge-offs | 79.1667% | 5,220 |
| Earnings coverage of net charge-offs (x) | 1.2660% | 4,581 |
| Efficiency ratio | 63.7457% | 5,960 |
| Assets per employee ($millions) | 3.3291% | 5,240 |
| Cash dividends to net income (ytd only)* | 3.4146% | 3,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8617% | 6,934 |
| Loan loss allowance to noncurrent loans | 33.4350% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 3.5779% | 1,739 |
| Noncurrent loans to loans | 2.5773% | 2,814 |
| Net loans and leases to total assets | 63.1661% | 5,153 |
| Net loans and leases to deposits | 80.6542% | 4,448 |
| Net loans and leases to core deposits | 103.3418% | 4,142 |
| Total domestic deposits to total assets | 78.3172% | 5,992 |
| Equity capital to assets | 9.2235% | 4,971 |
| Core capital (leverage) ratio | 9.6661% | 3,678 |
| Tier 1 risk-based capital ratio | 12.6247% | 4,424 |
| Total risk-based capital ratio | 13.3723% | 4,731 |
| Memoranda: |
| Average total assets | $56,279,000 | 6,578 |
| Average earning assets | $50,151,330 | 6,627 |
| Average equity | $5,456,670 | 6,916 |
| Average total loans | $36,538,000 | 6,373 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0718% | 2,068 |
| Cost of funding earning assets | 2.0322% | 3,975 |
| Net interest margin | 4.0397% | 2,492 |
| Noninterest income to average assets | 0.5068% | 4,261 |
| Noninterest expense to average assets | 2.8500% | 4,334 |
| Loan and lease loss provision to assets | 0.5876% | 2,139 |
| Net operating income to assets | 0.6758% | 3,682 |
| Return on assets (ROA) | 0.8080% | 3,258 |
| Pretax return on assets | 0.8080% | 4,051 |
| Return on Equity (ROE) | 8.1158% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.5994% | 1,980 |
| Net charge-offs to loans | 0.0896% | 4,272 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,336 |
| Efficiency ratio | 66.7857% | 5,182 |
| Assets per employee ($millions) | 3.1208% | 5,838 |
| Cash dividends to net income (ytd only)* | 6.3636% | 2,765 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2468% | 4,470 |
| Loan loss allowance to noncurrent loans | 14.8848% | 7,402 |
| Noncurrent assets plus other real estate owned to assets | 5.5612% | 761 |
| Noncurrent loans to loans | 8.3765% | 413 |
| Net loans and leases to total assets | 65.5630% | 4,683 |
| Net loans and leases to deposits | 85.9410% | 3,640 |
| Net loans and leases to core deposits | 107.9584% | 3,686 |
| Total domestic deposits to total assets | 76.2884% | 6,455 |
| Equity capital to assets | 9.8193% | 4,222 |
| Core capital (leverage) ratio | 10.0908% | 3,303 |
| Tier 1 risk-based capital ratio | 12.9145% | 4,237 |
| Total risk-based capital ratio | 14.0168% | 4,257 |
| Memoranda: |
| Average total assets | $54,457,000 | 6,695 |
| Average earning assets | $48,618,000 | 6,722 |
| Average equity | $5,421,500 | 6,969 |
| Average total loans | $35,717,000 | 6,453 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5205% | 2,859 |
| Cost of funding earning assets | 2.8031% | 2,695 |
| Net interest margin | 3.7174% | 4,394 |
| Noninterest income to average assets | 0.5391% | 4,329 |
| Noninterest expense to average assets | 3.1319% | 3,578 |
| Loan and lease loss provision to assets | 0.1938% | 4,942 |
| Net operating income to assets | 0.4644% | 4,887 |
| Return on assets (ROA) | 0.4705% | 4,689 |
| Pretax return on assets | 0.4705% | 5,071 |
| Return on Equity (ROE) | 4.2933% | 4,686 |
| Retained earnings to average equity (ytd only) | -7.7759% | 6,866 |
| Net charge-offs to loans | 0.9381% | 1,317 |
| Credit loss provision to net charge-offs | 31.6832% | 6,513 |
| Earnings coverage of net charge-offs (x) | 1.0759% | 5,590 |
| Efficiency ratio | 79.1689% | 2,728 |
| Assets per employee ($millions) | 2.7757% | 6,620 |
| Cash dividends to net income (ytd only)* | 281.1159% | 212 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1512% | 4,909 |
| Loan loss allowance to noncurrent loans | 16.8164% | 7,346 |
| Noncurrent assets plus other real estate owned to assets | 4.4313% | 862 |
| Noncurrent loans to loans | 6.8455% | 453 |
| Net loans and leases to total assets | 63.9868% | 5,277 |
| Net loans and leases to deposits | 85.2452% | 4,217 |
| Net loans and leases to core deposits | 103.7477% | 4,418 |
| Total domestic deposits to total assets | 75.0621% | 6,437 |
| Equity capital to assets | 10.1007% | 3,918 |
| Core capital (leverage) ratio | 10.4443% | 3,027 |
| Tier 1 risk-based capital ratio | 13.6710% | 3,713 |
| Total risk-based capital ratio | 14.6782% | 3,765 |
| Memoranda: |
| Average total assets | $49,523,000 | 6,798 |
| Average earning assets | $43,309,800 | 6,883 |
| Average equity | $5,427,000 | 7,009 |
| Average total loans | $32,299,600 | 6,595 |
