| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3776% | 1,348 |
| Cost of funding earning assets | 1.4557% | 2,061 |
| Net interest margin | 3.9219% | 1,332 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 3.5740% | 529 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.4403% | 3,788 |
| Return on assets (ROA) | 0.5006% | 3,666 |
| Pretax return on assets | 0.4990% | 3,811 |
| Return on Equity (ROE) | 3.9500% | 3,893 |
| Retained earnings to average equity (ytd only) | 2.0499% | 3,570 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.3184% | 506 |
| Assets per employee ($millions) | 4.2516% | 4,062 |
| Cash dividends to net income (ytd only)* | 48.1541% | 1,721 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5783% | 874 |
| Loan loss allowance to noncurrent loans | 117.4247% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1844% | 372 |
| Noncurrent loans to loans | 1.3441% | 515 |
| Net loans and leases to total assets | 86.7300% | 130 |
| Net loans and leases to deposits | 106.8072% | 265 |
| Net loans and leases to core deposits | 108.9170% | 999 |
| Total domestic deposits to total assets | 81.2000% | 3,271 |
| Equity capital to assets | 12.0835% | 1,101 |
| Core capital (leverage) ratio | 12.6158% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $124,455,800 | 3,605 |
| Average earning assets | $110,048,800 | 3,651 |
| Average equity | $15,756,800 | 3,204 |
| Average total loans | $101,794,200 | 3,158 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2747% | 1,321 |
| Cost of funding earning assets | 1.3543% | 1,990 |
| Net interest margin | 3.9204% | 1,359 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 3.5882% | 506 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.4284% | 3,908 |
| Return on assets (ROA) | 0.4719% | 3,822 |
| Pretax return on assets | 0.4686% | 3,958 |
| Return on Equity (ROE) | 3.6800% | 4,022 |
| Retained earnings to average equity (ytd only) | 1.1369% | 3,920 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.0940% | 440 |
| Assets per employee ($millions) | 4.0596% | 4,141 |
| Cash dividends to net income (ytd only)* | 69.1244% | 685 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7059% | 688 |
| Loan loss allowance to noncurrent loans | 337.5472% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 1,379 |
| Noncurrent loans to loans | 0.5054% | 1,553 |
| Net loans and leases to total assets | 81.9100% | 443 |
| Net loans and leases to deposits | 101.4646% | 454 |
| Net loans and leases to core deposits | 103.1542% | 1,157 |
| Total domestic deposits to total assets | 80.7300% | 3,427 |
| Equity capital to assets | 12.5056% | 921 |
| Core capital (leverage) ratio | 12.3986% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $122,619,750 | 3,639 |
| Average earning assets | $107,605,000 | 3,679 |
| Average equity | $15,714,500 | 3,200 |
| Average total loans | $98,208,500 | 3,193 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0569% | 1,443 |
| Cost of funding earning assets | 1.1877% | 2,030 |
| Net interest margin | 3.8693% | 1,487 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 3.6069% | 472 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.3686% | 4,055 |
| Return on assets (ROA) | 0.4196% | 3,975 |
| Pretax return on assets | 0.4196% | 4,088 |
| Return on Equity (ROE) | 3.2500% | 4,123 |
| Retained earnings to average equity (ytd only) | -0.5730% | 4,168 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.6157% | 365 |
| Assets per employee ($millions) | 4.1404% | 4,124 |
| Cash dividends to net income (ytd only)* | 117.6471% | 202 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7778% | 647 |
| Loan loss allowance to noncurrent loans | 331.5789% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 1,286 |
| Noncurrent loans to loans | 0.5362% | 1,386 |
| Net loans and leases to total assets | 75.9300% | 1,058 |
| Net loans and leases to deposits | 94.0479% | 858 |
| Net loans and leases to core deposits | 95.5696% | 1,487 |
| Total domestic deposits to total assets | 80.7400% | 3,467 |
| Equity capital to assets | 12.1199% | 1,017 |
| Core capital (leverage) ratio | 12.5583% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $121,543,667 | 3,660 |
| Average earning assets | $106,428,000 | 3,707 |
| Average equity | $15,706,667 | 3,212 |
| Average total loans | $95,987,333 | 3,219 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8780% | 1,454 |
| Cost of funding earning assets | 0.9266% | 2,287 |
| Net interest margin | 3.9514% | 1,363 |
| Noninterest income to average assets | 0.6500% | 1,252 |
| Noninterest expense to average assets | 3.7244% | 435 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.3516% | 4,169 |
| Return on assets (ROA) | 0.4198% | 3,999 |
| Pretax return on assets | 0.4368% | 4,074 |
| Return on Equity (ROE) | 3.1400% | 4,169 |
| Retained earnings to average equity (ytd only) | 3.1428% | 3,472 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.9428% | 362 |
| Assets per employee ($millions) | 4.0326% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8175% | 642 |
| Loan loss allowance to noncurrent loans | 832.8571% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 2,290 |
| Noncurrent loans to loans | 0.2182% | 2,383 |
| Net loans and leases to total assets | 78.1000% | 754 |
| Net loans and leases to deposits | 97.8895% | 545 |
| Net loans and leases to core deposits | 99.5921% | 1,108 |
| Total domestic deposits to total assets | 79.7800% | 3,790 |
| Equity capital to assets | 12.9843% | 765 |
| Core capital (leverage) ratio | 13.3869% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $118,140,000 | 3,741 |
| Average earning assets | $104,468,500 | 3,779 |
| Average equity | $15,782,000 | 3,233 |
| Average total loans | $94,369,500 | 3,276 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2623% | 1,134 |
| Cost of funding earning assets | 0.4807% | 1,525 |
| Net interest margin | 3.7815% | 1,195 |
| Noninterest income to average assets | 1.9800% | 247 |
| Noninterest expense to average assets | 3.9412% | 348 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2112% | 1,733 |
| Return on assets (ROA) | 1.1986% | 1,713 |
| Pretax return on assets | 1.2718% | 2,197 |
| Return on Equity (ROE) | 8.6400% | 3,220 |
| Retained earnings to average equity (ytd only) | 3.8137% | 3,458 |
| Net charge-offs to loans | 0.0487% | 1,189 |
| Credit loss provision to net charge-offs | 150.0000% | 1,297 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,543 |
| Efficiency ratio | 74.6450% | 1,156 |
| Assets per employee ($millions) | 3.7195% | 4,376 |
| Cash dividends to net income (ytd only)* | 55.8451% | 1,134 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5501% | 1,078 |
| Loan loss allowance to noncurrent loans | 607.6271% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 2,144 |
| Noncurrent loans to loans | 0.2551% | 2,244 |
| Net loans and leases to total assets | 78.9900% | 697 |
| Net loans and leases to deposits | 107.0866% | 224 |
| Net loans and leases to core deposits | 107.0866% | 706 |
| Total domestic deposits to total assets | 73.7600% | 4,363 |
| Equity capital to assets | 13.7516% | 598 |
| Core capital (leverage) ratio | 14.2664% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $112,047,600 | 3,809 |
| Average earning assets | $97,764,800 | 3,859 |
| Average equity | $15,549,200 | 3,319 |
| Average total loans | $82,125,400 | 3,383 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1312% | 1,005 |
| Cost of funding earning assets | 0.4826% | 828 |
| Net interest margin | 3.6486% | 1,273 |
| Noninterest income to average assets | 2.4200% | 219 |
| Noninterest expense to average assets | 3.9316% | 345 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5291% | 785 |
| Return on assets (ROA) | 1.4995% | 833 |
| Pretax return on assets | 1.5738% | 1,191 |
| Return on Equity (ROE) | 10.7800% | 2,473 |
| Retained earnings to average equity (ytd only) | 4.3172% | 3,344 |
| Net charge-offs to loans | 0.0721% | 791 |
| Credit loss provision to net charge-offs | 104.6512% | 1,296 |
| Earnings coverage of net charge-offs (x) | 32.1860% | 1,495 |
| Efficiency ratio | 70.3259% | 1,723 |
| Assets per employee ($millions) | 3.7804% | 4,404 |
| Cash dividends to net income (ytd only)* | 59.9520% | 871 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6643% | 932 |
| Loan loss allowance to noncurrent loans | 580.3279% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 2,119 |
| Noncurrent loans to loans | 0.2868% | 2,218 |
| Net loans and leases to total assets | 76.3200% | 872 |
| Net loans and leases to deposits | 97.7567% | 469 |
| Net loans and leases to core deposits | 97.7567% | 908 |
| Total domestic deposits to total assets | 78.0700% | 4,250 |
| Equity capital to assets | 14.3726% | 524 |
| Core capital (leverage) ratio | 14.0072% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $111,233,750 | 3,846 |
| Average earning assets | $96,693,500 | 3,893 |
| Average equity | $15,472,500 | 3,366 |
| Average total loans | $79,529,500 | 3,429 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9616% | 1,005 |
| Cost of funding earning assets | 0.4853% | 571 |
| Net interest margin | 3.4763% | 1,380 |
| Noninterest income to average assets | 2.1008% | 217 |
| Noninterest expense to average assets | 3.9475% | 290 |
| Loan and lease loss provision to assets | 0.0537% | 1,618 |
| Net operating income to assets | 1.0261% | 2,062 |
| Return on assets (ROA) | 0.9824% | 2,193 |
| Pretax return on assets | 1.0397% | 2,606 |
| Return on Equity (ROE) | 7.1402% | 3,273 |
| Retained earnings to average equity (ytd only) | -2.6142% | 4,426 |
| Net charge-offs to loans | 0.0077% | 1,710 |
| Credit loss provision to net charge-offs | 1,000.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 212.3333% | 523 |
| Efficiency ratio | 77.5941% | 1,117 |
| Assets per employee ($millions) | 3.4603% | 4,556 |
| Cash dividends to net income (ytd only)* | 136.6120% | 174 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7603% | 861 |
| Loan loss allowance to noncurrent loans | 783.6957% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 2,580 |
| Noncurrent loans to loans | 0.2246% | 2,599 |
| Net loans and leases to total assets | 70.4753% | 1,253 |
| Net loans and leases to deposits | 89.0319% | 769 |
| Net loans and leases to core deposits | 89.0319% | 1,173 |
| Total domestic deposits to total assets | 79.1574% | 4,288 |
| Equity capital to assets | 13.2114% | 627 |
| Core capital (leverage) ratio | 13.2942% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $111,767,667 | 3,879 |
| Average earning assets | $96,021,333 | 3,952 |
| Average equity | $15,377,667 | 3,464 |
| Average total loans | $77,678,333 | 3,491 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8855% | 946 |
| Cost of funding earning assets | 0.5000% | 494 |
| Net interest margin | 3.3855% | 1,331 |
| Noninterest income to average assets | 2.8004% | 167 |
| Noninterest expense to average assets | 3.9473% | 287 |
| Loan and lease loss provision to assets | 0.0543% | 1,410 |
| Net operating income to assets | 1.6003% | 508 |
| Return on assets (ROA) | 1.5521% | 561 |
| Pretax return on assets | 1.6390% | 773 |
| Return on Equity (ROE) | 11.0542% | 1,603 |
| Retained earnings to average equity (ytd only) | 11.0542% | 779 |
| Net charge-offs to loans | 0.0159% | 1,220 |
| Credit loss provision to net charge-offs | 500.0000% | 514 |
| Earnings coverage of net charge-offs (x) | 160.6667% | 509 |
| Efficiency ratio | 69.3579% | 2,321 |
| Assets per employee ($millions) | 3.5667% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8572% | 799 |
| Loan loss allowance to noncurrent loans | 403.1073% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 1,839 |
| Noncurrent loans to loans | 0.4607% | 1,872 |
| Net loans and leases to total assets | 68.2006% | 1,193 |
| Net loans and leases to deposits | 87.4782% | 651 |
| Net loans and leases to core deposits | 87.4782% | 1,051 |
| Total domestic deposits to total assets | 77.9629% | 4,408 |
| Equity capital to assets | 14.2320% | 489 |
| Core capital (leverage) ratio | 14.3976% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $110,557,000 | 3,908 |
| Average earning assets | $94,402,500 | 3,979 |
| Average equity | $15,523,500 | 3,515 |
| Average total loans | $75,559,000 | 3,531 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3012% | 848 |
| Cost of funding earning assets | 0.5835% | 591 |
| Net interest margin | 3.7177% | 1,173 |
| Noninterest income to average assets | 2.5994% | 222 |
| Noninterest expense to average assets | 3.7423% | 372 |
| Loan and lease loss provision to assets | 0.1646% | 712 |
| Net operating income to assets | 1.8263% | 482 |
| Return on assets (ROA) | 1.8698% | 466 |
| Pretax return on assets | 1.9713% | 640 |
| Return on Equity (ROE) | 13.9793% | 1,198 |
| Retained earnings to average equity (ytd only) | 11.2449% | 658 |
| Net charge-offs to loans | -0.0913% | 4,558 |
| Credit loss provision to net charge-offs | -257.1429% | 3,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1637% | 2,542 |
| Assets per employee ($millions) | 4.0943% | 4,387 |
| Cash dividends to net income (ytd only)* | 19.5599% | 3,031 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9035% | 723 |
| Loan loss allowance to noncurrent loans | 748.1481% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 2,739 |
| Noncurrent loans to loans | 0.2544% | 2,703 |
| Net loans and leases to total assets | 65.9174% | 1,478 |
| Net loans and leases to deposits | 84.1988% | 897 |
| Net loans and leases to core deposits | 84.1988% | 1,315 |
| Total domestic deposits to total assets | 78.2878% | 4,368 |
| Equity capital to assets | 13.8503% | 696 |
| Core capital (leverage) ratio | 14.1384% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $109,371,400 | 3,900 |
| Average earning assets | $95,113,600 | 3,964 |
| Average equity | $14,628,800 | 3,676 |
| Average total loans | $76,650,800 | 3,529 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4063% | 802 |
| Cost of funding earning assets | 0.5993% | 641 |
| Net interest margin | 3.8070% | 1,102 |
| Noninterest income to average assets | 2.7063% | 225 |
| Noninterest expense to average assets | 3.7049% | 370 |
| Loan and lease loss provision to assets | 0.1650% | 664 |
| Net operating income to assets | 2.0594% | 422 |
| Return on assets (ROA) | 2.1012% | 414 |
| Pretax return on assets | 2.2112% | 533 |
| Return on Equity (ROE) | 15.8521% | 979 |
| Retained earnings to average equity (ytd only) | 12.1635% | 805 |
| Net charge-offs to loans | -0.1208% | 4,672 |
| Credit loss provision to net charge-offs | -192.8571% | 3,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3687% | 2,782 |
| Assets per employee ($millions) | 4.0168% | 4,442 |
| Cash dividends to net income (ytd only)* | 23.2693% | 2,398 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8218% | 893 |
| Loan loss allowance to noncurrent loans | 691.4141% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,890 |
| Noncurrent loans to loans | 0.2635% | 2,872 |
| Net loans and leases to total assets | 68.0276% | 1,321 |
| Net loans and leases to deposits | 87.1957% | 755 |
| Net loans and leases to core deposits | 87.1957% | 1,205 |
| Total domestic deposits to total assets | 78.0172% | 4,425 |
| Equity capital to assets | 13.8170% | 777 |
| Core capital (leverage) ratio | 13.4641% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $109,077,750 | 3,949 |
| Average earning assets | $95,437,000 | 4,007 |
| Average equity | $14,458,250 | 3,741 |
| Average total loans | $77,242,750 | 3,575 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2203% | 1,149 |
| Cost of funding earning assets | 0.6083% | 719 |
| Net interest margin | 3.6120% | 1,565 |
| Noninterest income to average assets | 3.2319% | 168 |
| Noninterest expense to average assets | 3.7242% | 358 |
| Loan and lease loss provision to assets | 0.1647% | 707 |
| Net operating income to assets | 2.3794% | 256 |
| Return on assets (ROA) | 2.4212% | 259 |
| Pretax return on assets | 2.5493% | 330 |
| Return on Equity (ROE) | 18.5260% | 593 |
| Retained earnings to average equity (ytd only) | 12.9248% | 734 |
| Net charge-offs to loans | -0.1848% | 4,781 |
| Credit loss provision to net charge-offs | -125.0000% | 3,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2427% | 3,252 |
| Assets per employee ($millions) | 3.8982% | 4,498 |
| Cash dividends to net income (ytd only)* | 30.2343% | 2,045 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6975% | 1,063 |
| Loan loss allowance to noncurrent loans | 656.4356% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 3,070 |
| Noncurrent loans to loans | 0.2586% | 3,016 |
| Net loans and leases to total assets | 67.9242% | 1,451 |
| Net loans and leases to deposits | 85.7869% | 925 |
| Net loans and leases to core deposits | 86.5859% | 1,375 |
| Total domestic deposits to total assets | 79.1779% | 4,322 |
| Equity capital to assets | 12.9051% | 975 |
| Core capital (leverage) ratio | 13.1248% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $109,286,000 | 3,973 |
| Average earning assets | $95,681,333 | 4,025 |
| Average equity | $14,282,667 | 3,764 |
| Average total loans | $77,941,333 | 3,583 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3713% | 941 |
| Cost of funding earning assets | 0.6366% | 741 |
| Net interest margin | 3.7347% | 1,260 |
| Noninterest income to average assets | 4.2642% | 135 |
| Noninterest expense to average assets | 3.8434% | 326 |
| Loan and lease loss provision to assets | 0.1676% | 745 |
| Net operating income to assets | 3.3639% | 117 |
| Return on assets (ROA) | 3.4524% | 123 |
| Pretax return on assets | 3.6237% | 130 |
| Return on Equity (ROE) | 26.2430% | 224 |
| Retained earnings to average equity (ytd only) | 26.2430% | 114 |
| Net charge-offs to loans | -0.3699% | 4,872 |
| Credit loss provision to net charge-offs | -62.5000% | 2,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9630% | 4,101 |
| Assets per employee ($millions) | 3.9444% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6466% | 1,179 |
| Loan loss allowance to noncurrent loans | 627.9412% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 3,240 |
| Noncurrent loans to loans | 0.2622% | 3,169 |
| Net loans and leases to total assets | 69.2813% | 1,384 |
| Net loans and leases to deposits | 87.9182% | 834 |
| Net loans and leases to core deposits | 88.7648% | 1,308 |
| Total domestic deposits to total assets | 78.8019% | 4,354 |
| Equity capital to assets | 13.2130% | 856 |
| Core capital (leverage) ratio | 13.6737% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $107,405,000 | 3,993 |
| Average earning assets | $94,251,000 | 4,048 |
| Average equity | $14,129,500 | 3,782 |
| Average total loans | $77,855,500 | 3,611 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8842% | 615 |
| Cost of funding earning assets | 0.9403% | 735 |
| Net interest margin | 3.9438% | 1,104 |
| Noninterest income to average assets | 2.7610% | 221 |
| Noninterest expense to average assets | 4.1199% | 336 |
| Loan and lease loss provision to assets | 0.1771% | 2,177 |
| Net operating income to assets | 1.8061% | 381 |
| Return on assets (ROA) | 1.7977% | 422 |
| Pretax return on assets | 1.9010% | 551 |
| Return on Equity (ROE) | 14.4374% | 726 |
| Retained earnings to average equity (ytd only) | 13.5682% | 208 |
| Net charge-offs to loans | -0.0025% | 4,013 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3760% | 2,471 |
| Assets per employee ($millions) | 3.8654% | 4,463 |
| Cash dividends to net income (ytd only)* | 6.0208% | 3,637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4940% | 1,605 |
| Loan loss allowance to noncurrent loans | 559.6154% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 656 |
| Noncurrent loans to loans | 0.2670% | 3,239 |
| Net loans and leases to total assets | 73.5383% | 1,086 |
| Net loans and leases to deposits | 93.8481% | 665 |
| Net loans and leases to core deposits | 94.8104% | 1,193 |
| Total domestic deposits to total assets | 78.3589% | 4,280 |
| Equity capital to assets | 13.0943% | 1,055 |
| Core capital (leverage) ratio | 13.6152% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $101,628,400 | 3,975 |
| Average earning assets | $88,797,200 | 4,047 |
| Average equity | $12,654,600 | 3,899 |
| Average total loans | $78,871,200 | 3,573 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9381% | 683 |
| Cost of funding earning assets | 0.9940% | 774 |
| Net interest margin | 3.9441% | 1,252 |
| Noninterest income to average assets | 2.3220% | 267 |
| Noninterest expense to average assets | 3.8449% | 438 |
| Loan and lease loss provision to assets | 0.1783% | 2,206 |
| Net operating income to assets | 1.6549% | 640 |
| Return on assets (ROA) | 1.6286% | 751 |
| Pretax return on assets | 1.7197% | 928 |
| Return on Equity (ROE) | 13.2559% | 1,040 |
| Retained earnings to average equity (ytd only) | 12.0733% | 417 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6285% | 2,382 |
| Assets per employee ($millions) | 3.4608% | 4,682 |
| Cash dividends to net income (ytd only)* | 8.9213% | 3,159 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4301% | 1,603 |
| Loan loss allowance to noncurrent loans | 427.9693% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 1.3959% | 648 |
| Noncurrent loans to loans | 0.3342% | 3,084 |
| Net loans and leases to total assets | 76.7088% | 1,000 |
| Net loans and leases to deposits | 98.0239% | 623 |
| Net loans and leases to core deposits | 104.5124% | 901 |
| Total domestic deposits to total assets | 78.2552% | 4,157 |
| Equity capital to assets | 13.0246% | 1,171 |
| Core capital (leverage) ratio | 12.7706% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $100,944,000 | 3,975 |
| Average earning assets | $88,264,250 | 4,053 |
| Average equity | $12,401,750 | 3,937 |
| Average total loans | $79,110,750 | 3,589 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9822% | 848 |
| Cost of funding earning assets | 1.0190% | 930 |
| Net interest margin | 3.9632% | 1,417 |
| Noninterest income to average assets | 1.5800% | 415 |
| Noninterest expense to average assets | 3.7098% | 566 |
| Loan and lease loss provision to assets | 0.1780% | 2,235 |
| Net operating income to assets | 1.0971% | 1,975 |
| Return on assets (ROA) | 1.0599% | 2,237 |
| Pretax return on assets | 1.1292% | 2,622 |
| Return on Equity (ROE) | 8.8025% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.8025% | 1,068 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3672% | 1,524 |
| Assets per employee ($millions) | 3.4580% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3100% | 1,949 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 791 |
| Noncurrent loans to loans | 0.3275% | 3,217 |
| Net loans and leases to total assets | 75.3363% | 1,222 |
| Net loans and leases to deposits | 96.8903% | 732 |
| Net loans and leases to core deposits | 103.6142% | 1,027 |
| Total domestic deposits to total assets | 77.7542% | 4,219 |
| Equity capital to assets | 11.6467% | 1,874 |
| Core capital (leverage) ratio | 12.1004% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4280% | 1,380 |
| Memoranda: |
| Average total assets | $101,137,333 | 3,979 |
| Average earning assets | $88,716,667 | 4,045 |
| Average equity | $12,178,333 | 3,964 |
| Average total loans | $79,446,000 | 3,585 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1089% | 778 |
| Cost of funding earning assets | 1.0551% | 1,205 |
| Net interest margin | 4.0538% | 1,241 |
| Noninterest income to average assets | 1.1416% | 669 |
| Noninterest expense to average assets | 3.7347% | 682 |
| Loan and lease loss provision to assets | 0.1835% | 1,631 |
| Net operating income to assets | 0.7288% | 3,171 |
| Return on assets (ROA) | 0.6238% | 3,589 |
| Pretax return on assets | 0.6809% | 3,741 |
| Return on Equity (ROE) | 5.0894% | 3,595 |
| Retained earnings to average equity (ytd only) | 5.0894% | 2,231 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2388% | 1,215 |
| Assets per employee ($millions) | 3.6604% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3134% | 2,081 |
| Loan loss allowance to noncurrent loans | 377.5735% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4833% | 724 |
| Noncurrent loans to loans | 0.3479% | 3,241 |
| Net loans and leases to total assets | 78.0777% | 971 |
| Net loans and leases to deposits | 98.9536% | 629 |
| Net loans and leases to core deposits | 106.6920% | 1,016 |
| Total domestic deposits to total assets | 78.9034% | 4,070 |
| Equity capital to assets | 12.2441% | 1,890 |
| Core capital (leverage) ratio | 12.5202% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5742% | 1,450 |
| Memoranda: |
| Average total assets | $98,107,000 | 4,018 |
| Average earning assets | $86,437,000 | 4,072 |
| Average equity | $12,025,000 | 3,996 |
| Average total loans | $78,253,500 | 3,613 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1959% | 1,003 |
| Cost of funding earning assets | 1.0596% | 1,480 |
| Net interest margin | 4.1363% | 1,461 |
| Noninterest income to average assets | 1.0497% | 860 |
| Noninterest expense to average assets | 4.0962% | 474 |
| Loan and lease loss provision to assets | 0.1944% | 1,052 |
| Net operating income to assets | 0.4498% | 4,505 |
| Return on assets (ROA) | 0.4719% | 4,506 |
| Pretax return on assets | 0.5097% | 4,560 |
| Return on Equity (ROE) | 3.6993% | 4,535 |
| Retained earnings to average equity (ytd only) | 1.6084% | 4,161 |
| Net charge-offs to loans | 0.2103% | 975 |
| Credit loss provision to net charge-offs | 112.5000% | 2,231 |
| Earnings coverage of net charge-offs (x) | 3.9375% | 3,277 |
| Efficiency ratio | 85.7563% | 554 |
| Assets per employee ($millions) | 3.6068% | 4,362 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,734 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2539% | 2,152 |
| Loan loss allowance to noncurrent loans | 56.8946% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 498 |
| Noncurrent loans to loans | 2.2039% | 560 |
| Net loans and leases to total assets | 79.4112% | 871 |
| Net loans and leases to deposits | 100.7819% | 538 |
| Net loans and leases to core deposits | 114.5284% | 650 |
| Total domestic deposits to total assets | 78.7951% | 4,219 |
| Equity capital to assets | 12.2701% | 1,968 |
| Core capital (leverage) ratio | 12.5275% | 1,477 |
| Tier 1 risk-based capital ratio | 14.6062% | 2,960 |
| Total risk-based capital ratio | 15.8065% | 2,895 |
| Memoranda: |
| Average total assets | $92,597,200 | 4,103 |
| Average earning assets | $83,431,600 | 4,135 |
| Average equity | $11,813,000 | 4,021 |
| Average total loans | $76,090,800 | 3,663 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1966% | 1,047 |
| Cost of funding earning assets | 1.0400% | 1,584 |
| Net interest margin | 4.1566% | 1,481 |
| Noninterest income to average assets | 1.0138% | 912 |
| Noninterest expense to average assets | 4.1239% | 458 |
| Loan and lease loss provision to assets | 0.1969% | 896 |
| Net operating income to assets | 0.4245% | 4,675 |
| Return on assets (ROA) | 0.4245% | 4,709 |
| Pretax return on assets | 0.4595% | 4,745 |
| Return on Equity (ROE) | 3.2939% | 4,717 |
| Retained earnings to average equity (ytd only) | 0.4981% | 4,665 |
| Net charge-offs to loans | 0.0830% | 1,643 |
| Credit loss provision to net charge-offs | 287.2340% | 977 |
| Earnings coverage of net charge-offs (x) | 9.5738% | 2,565 |
| Efficiency ratio | 86.2679% | 487 |
| Assets per employee ($millions) | 3.3114% | 4,662 |
| Cash dividends to net income (ytd only)* | 84.8811% | 541 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3294% | 1,840 |
| Loan loss allowance to noncurrent loans | 59.8291% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.8928% | 495 |
| Noncurrent loans to loans | 2.2220% | 565 |
| Net loans and leases to total assets | 84.0509% | 348 |
| Net loans and leases to deposits | 108.4633% | 252 |
| Net loans and leases to core deposits | 117.8413% | 601 |
| Total domestic deposits to total assets | 77.4925% | 4,445 |
| Equity capital to assets | 12.6736% | 1,794 |
| Core capital (leverage) ratio | 12.7228% | 1,474 |
| Tier 1 risk-based capital ratio | 14.6248% | 3,015 |
| Total risk-based capital ratio | 15.8743% | 2,943 |
| Memoranda: |
| Average total assets | $91,400,750 | 4,169 |
| Average earning assets | $82,821,750 | 4,195 |
| Average equity | $11,779,000 | 4,064 |
| Average total loans | $75,534,750 | 3,714 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0888% | 1,244 |
| Cost of funding earning assets | 1.0008% | 1,691 |
| Net interest margin | 4.0880% | 1,642 |
| Noninterest income to average assets | 0.9652% | 933 |
| Noninterest expense to average assets | 4.1117% | 463 |
| Loan and lease loss provision to assets | 0.1979% | 870 |
| Net operating income to assets | 0.3320% | 4,831 |
| Return on assets (ROA) | 0.3320% | 4,847 |
| Pretax return on assets | 0.3650% | 4,871 |
| Return on Equity (ROE) | 2.5619% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.5619% | 3,915 |
| Net charge-offs to loans | 0.1237% | 1,200 |
| Credit loss provision to net charge-offs | 195.6522% | 1,239 |
| Earnings coverage of net charge-offs (x) | 5.5652% | 2,640 |
| Efficiency ratio | 87.9586% | 444 |
| Assets per employee ($millions) | 2.9986% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3278% | 1,893 |
| Loan loss allowance to noncurrent loans | 64.2401% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.6847% | 628 |
| Noncurrent loans to loans | 2.0669% | 677 |
| Net loans and leases to total assets | 80.4262% | 816 |
| Net loans and leases to deposits | 100.6489% | 630 |
| Net loans and leases to core deposits | 108.1314% | 1,096 |
| Total domestic deposits to total assets | 79.9077% | 4,058 |
| Equity capital to assets | 12.7566% | 1,718 |
| Core capital (leverage) ratio | 12.9100% | 1,348 |
| Tier 1 risk-based capital ratio | 15.2792% | 2,724 |
| Total risk-based capital ratio | 16.5290% | 2,658 |
| Memoranda: |
| Average total assets | $90,961,000 | 4,201 |
| Average earning assets | $82,534,000 | 4,227 |
| Average equity | $11,788,330 | 4,077 |
| Average total loans | $74,385,670 | 3,759 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1007% | 1,095 |
| Cost of funding earning assets | 0.9350% | 1,865 |
| Net interest margin | 4.1658% | 1,388 |
| Noninterest income to average assets | 0.9026% | 1,035 |
| Noninterest expense to average assets | 4.0505% | 499 |
| Loan and lease loss provision to assets | 0.2001% | 801 |
| Net operating income to assets | 0.4135% | 4,703 |
| Return on assets (ROA) | 0.4135% | 4,715 |
| Pretax return on assets | 0.4357% | 4,793 |
| Return on Equity (ROE) | 3.1650% | 4,753 |
| Retained earnings to average equity (ytd only) | 3.1650% | 3,670 |
| Net charge-offs to loans | 0.1194% | 1,027 |
| Credit loss provision to net charge-offs | 204.5455% | 1,037 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,191 |
| Efficiency ratio | 86.4326% | 555 |
| Assets per employee ($millions) | 3.2040% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3199% | 1,998 |
| Loan loss allowance to noncurrent loans | 864.0351% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 4,042 |
| Noncurrent loans to loans | 0.1528% | 4,050 |
| Net loans and leases to total assets | 82.0873% | 579 |
| Net loans and leases to deposits | 100.0584% | 633 |
| Net loans and leases to core deposits | 106.2286% | 1,157 |
| Total domestic deposits to total assets | 82.0394% | 3,713 |
| Equity capital to assets | 13.1531% | 1,371 |
| Core capital (leverage) ratio | 13.1975% | 1,187 |
| Tier 1 risk-based capital ratio | 15.4315% | 2,682 |
| Total risk-based capital ratio | 16.6817% | 2,596 |
| Memoranda: |
| Average total assets | $89,963,500 | 4,266 |
| Average earning assets | $81,713,500 | 4,283 |
| Average equity | $11,753,500 | 4,096 |
| Average total loans | $73,695,000 | 3,808 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9378% | 1,188 |
| Cost of funding earning assets | 0.8543% | 1,283 |
| Net interest margin | 4.0835% | 1,738 |
| Noninterest income to average assets | 1.8309% | 303 |
| Noninterest expense to average assets | 4.1044% | 466 |
| Loan and lease loss provision to assets | 0.3819% | 368 |
| Net operating income to assets | 0.9756% | 3,116 |
| Return on assets (ROA) | 0.9756% | 3,116 |
| Pretax return on assets | 1.0374% | 3,483 |
| Return on Equity (ROE) | 7.7853% | 3,529 |
| Retained earnings to average equity (ytd only) | 7.0367% | 1,653 |
| Net charge-offs to loans | 0.3788% | 499 |
| Credit loss provision to net charge-offs | 120.9790% | 2,151 |
| Earnings coverage of net charge-offs (x) | 4.4965% | 3,290 |
| Efficiency ratio | 74.3057% | 1,588 |
| Assets per employee ($millions) | 2.8192% | 5,085 |
| Cash dividends to net income (ytd only)* | 9.6154% | 3,834 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3221% | 1,942 |
| Loan loss allowance to noncurrent loans | 161.9529% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 2,018 |
| Noncurrent loans to loans | 0.8164% | 1,976 |
| Net loans and leases to total assets | 79.5885% | 1,001 |
| Net loans and leases to deposits | 96.8203% | 991 |
| Net loans and leases to core deposits | 104.4637% | 1,376 |
| Total domestic deposits to total assets | 82.2023% | 3,593 |
| Equity capital to assets | 12.9769% | 1,356 |
| Core capital (leverage) ratio | 13.0826% | 1,213 |
| Tier 1 risk-based capital ratio | 15.6880% | 2,541 |
| Total risk-based capital ratio | 16.9383% | 2,467 |
| Memoranda: |
| Average total assets | $90,610,000 | 4,260 |
| Average earning assets | $81,939,400 | 4,289 |
| Average equity | $11,354,800 | 4,109 |
| Average total loans | $75,496,000 | 3,761 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8944% | 1,171 |
| Cost of funding earning assets | 0.8206% | 1,239 |
| Net interest margin | 4.0738% | 1,710 |
| Noninterest income to average assets | 2.1254% | 254 |
| Noninterest expense to average assets | 4.0554% | 489 |
| Loan and lease loss provision to assets | 0.4439% | 269 |
| Net operating income to assets | 1.2273% | 2,133 |
| Return on assets (ROA) | 1.2273% | 2,133 |
| Pretax return on assets | 1.3038% | 2,615 |
| Return on Equity (ROE) | 9.8814% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.8755% | 1,269 |
| Net charge-offs to loans | 0.5146% | 299 |
| Credit loss provision to net charge-offs | 102.7211% | 2,220 |
| Earnings coverage of net charge-offs (x) | 4.0442% | 3,106 |
| Efficiency ratio | 69.8835% | 2,211 |
| Assets per employee ($millions) | 2.7804% | 5,165 |
| Cash dividends to net income (ytd only)* | 10.1796% | 3,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2159% | 2,537 |
| Loan loss allowance to noncurrent loans | 118.3355% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 1,707 |
| Noncurrent loans to loans | 1.0275% | 1,670 |
| Net loans and leases to total assets | 83.0906% | 554 |
| Net loans and leases to deposits | 101.1673% | 694 |
| Net loans and leases to core deposits | 109.5731% | 1,063 |
| Total domestic deposits to total assets | 82.1319% | 3,570 |
| Equity capital to assets | 13.1027% | 1,290 |
| Core capital (leverage) ratio | 13.2398% | 1,193 |
| Tier 1 risk-based capital ratio | 14.9805% | 2,890 |
| Total risk-based capital ratio | 16.1499% | 2,843 |
| Memoranda: |
| Average total assets | $90,709,000 | 4,304 |
| Average earning assets | $81,887,750 | 4,331 |
| Average equity | $11,266,750 | 4,164 |
| Average total loans | $76,179,500 | 3,780 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7988% | 1,254 |
| Cost of funding earning assets | 0.8185% | 1,051 |
| Net interest margin | 3.9803% | 1,923 |
| Noninterest income to average assets | 2.7298% | 185 |
| Noninterest expense to average assets | 4.0247% | 509 |
| Loan and lease loss provision to assets | 0.5609% | 189 |
| Net operating income to assets | 1.6234% | 872 |
| Return on assets (ROA) | 1.6234% | 874 |
| Pretax return on assets | 1.7242% | 1,157 |
| Return on Equity (ROE) | 13.3078% | 1,264 |
| Retained earnings to average equity (ytd only) | 13.3078% | 338 |
| Net charge-offs to loans | 0.2662% | 602 |
| Credit loss provision to net charge-offs | 250.9804% | 1,134 |
| Earnings coverage of net charge-offs (x) | 10.2255% | 2,342 |
| Efficiency ratio | 63.7847% | 3,350 |
| Assets per employee ($millions) | 2.8183% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4134% | 1,706 |
| Loan loss allowance to noncurrent loans | 160.4863% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 2,048 |
| Noncurrent loans to loans | 0.8807% | 1,967 |
| Net loans and leases to total assets | 81.6732% | 747 |
| Net loans and leases to deposits | 99.2134% | 862 |
| Net loans and leases to core deposits | 109.3970% | 1,039 |
| Total domestic deposits to total assets | 82.3208% | 3,622 |
| Equity capital to assets | 12.9168% | 1,336 |
| Core capital (leverage) ratio | 12.6988% | 1,349 |
| Tier 1 risk-based capital ratio | 15.1850% | 2,784 |
| Total risk-based capital ratio | 16.4364% | 2,710 |
| Memoranda: |
| Average total assets | $91,287,330 | 4,334 |
| Average earning assets | $82,104,670 | 4,362 |
| Average equity | $11,136,330 | 4,216 |
| Average total loans | $76,626,330 | 3,788 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5825% | 1,621 |
| Cost of funding earning assets | 0.8425% | 792 |
| Net interest margin | 3.7400% | 2,646 |
| Noninterest income to average assets | 0.8363% | 1,345 |
| Noninterest expense to average assets | 3.8372% | 640 |
| Loan and lease loss provision to assets | 0.5923% | 171 |
| Net operating income to assets | -0.2439% | 5,459 |
| Return on assets (ROA) | -0.2439% | 5,453 |
| Pretax return on assets | -0.2483% | 5,454 |
| Return on Equity (ROE) | -2.0588% | 5,451 |
| Retained earnings to average equity (ytd only) | -2.0588% | 5,012 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7708% | 371 |
| Assets per employee ($millions) | 2.8835% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3709% | 1,950 |
| Loan loss allowance to noncurrent loans | 53.2854% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 3.9947% | 161 |
| Noncurrent loans to loans | 2.5727% | 518 |
| Net loans and leases to total assets | 80.9348% | 803 |
| Net loans and leases to deposits | 99.3059% | 760 |
| Net loans and leases to core deposits | 112.5935% | 858 |
| Total domestic deposits to total assets | 81.5005% | 4,093 |
| Equity capital to assets | 11.7608% | 1,939 |
| Core capital (leverage) ratio | 11.8129% | 1,770 |
| Tier 1 risk-based capital ratio | 13.8447% | 3,473 |
| Total risk-based capital ratio | 15.0949% | 3,383 |
| Memoranda: |
| Average total assets | $91,838,500 | 4,374 |
| Average earning assets | $82,139,000 | 4,406 |
| Average equity | $10,880,000 | 4,289 |
| Average total loans | $77,583,000 | 3,797 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4739% | 1,803 |
| Cost of funding earning assets | 0.6417% | 1,344 |
| Net interest margin | 3.8321% | 2,311 |
| Noninterest income to average assets | 1.0641% | 899 |
| Noninterest expense to average assets | 3.9971% | 536 |
| Loan and lease loss provision to assets | 0.2067% | 984 |
| Net operating income to assets | 0.2465% | 5,026 |
| Return on assets (ROA) | 0.2465% | 5,040 |
| Pretax return on assets | 0.2780% | 5,231 |
| Return on Equity (ROE) | 1.9267% | 5,072 |
| Retained earnings to average equity (ytd only) | -0.1918% | 5,061 |
| Net charge-offs to loans | 0.2478% | 1,051 |
| Credit loss provision to net charge-offs | 96.7213% | 2,668 |
| Earnings coverage of net charge-offs (x) | 2.2678% | 3,769 |
| Efficiency ratio | 89.1843% | 464 |
| Assets per employee ($millions) | 2.8564% | 5,288 |
| Cash dividends to net income (ytd only)* | 109.9526% | 258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1353% | 3,145 |
| Loan loss allowance to noncurrent loans | 23.2115% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 4.2515% | 134 |
| Noncurrent loans to loans | 4.8913% | 146 |
| Net loans and leases to total assets | 85.9317% | 258 |
| Net loans and leases to deposits | 105.7674% | 409 |
| Net loans and leases to core deposits | 123.0515% | 493 |
| Total domestic deposits to total assets | 81.2459% | 4,063 |
| Equity capital to assets | 11.9338% | 1,877 |
| Core capital (leverage) ratio | 12.4613% | 1,375 |
| Tier 1 risk-based capital ratio | 13.6647% | 3,539 |
| Total risk-based capital ratio | 14.7947% | 3,514 |
| Memoranda: |
| Average total assets | $85,612,600 | 4,491 |
| Average earning assets | $76,354,800 | 4,533 |
| Average equity | $10,951,200 | 4,307 |
| Average total loans | $73,858,600 | 3,874 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4563% | 1,768 |
| Cost of funding earning assets | 0.5997% | 1,532 |
| Net interest margin | 3.8567% | 2,199 |
| Noninterest income to average assets | 1.1073% | 829 |
| Noninterest expense to average assets | 4.0412% | 492 |
| Loan and lease loss provision to assets | 0.2091% | 901 |
| Net operating income to assets | 0.2519% | 5,294 |
| Return on assets (ROA) | 0.2519% | 5,310 |
| Pretax return on assets | 0.2804% | 5,322 |
| Return on Equity (ROE) | 1.9339% | 5,322 |
| Retained earnings to average equity (ytd only) | -0.8879% | 5,336 |
| Net charge-offs to loans | 0.0276% | 2,887 |
| Credit loss provision to net charge-offs | 880.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 20.5995% | 1,947 |
| Efficiency ratio | 89.1958% | 442 |
| Assets per employee ($millions) | 2.9954% | 5,271 |
| Cash dividends to net income (ytd only)* | 145.9173% | 110 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3645% | 2,060 |
| Loan loss allowance to noncurrent loans | 29.2273% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 3.9027% | 175 |
| Noncurrent loans to loans | 4.6685% | 185 |
| Net loans and leases to total assets | 82.4553% | 608 |
| Net loans and leases to deposits | 103.9681% | 502 |
| Net loans and leases to core deposits | 125.3188% | 424 |
| Total domestic deposits to total assets | 79.3083% | 4,479 |
| Equity capital to assets | 12.0807% | 1,915 |
| Core capital (leverage) ratio | 12.5727% | 1,389 |
| Tier 1 risk-based capital ratio | 14.4183% | 3,230 |
| Total risk-based capital ratio | 15.6695% | 3,147 |
| Memoranda: |
| Average total assets | $84,164,750 | 4,557 |
| Average earning assets | $74,708,500 | 4,616 |
| Average equity | $10,962,000 | 4,346 |
| Average total loans | $72,461,500 | 3,939 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4032% | 1,805 |
| Cost of funding earning assets | 0.5569% | 1,733 |
| Net interest margin | 3.8463% | 2,109 |
| Noninterest income to average assets | 1.1135% | 808 |
| Noninterest expense to average assets | 4.1378% | 449 |
| Loan and lease loss provision to assets | 0.0778% | 2,423 |
| Net operating income to assets | 0.3088% | 5,199 |
| Return on assets (ROA) | 0.3088% | 5,221 |
| Pretax return on assets | 0.3404% | 5,283 |
| Return on Equity (ROE) | 2.3097% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.3097% | 4,295 |
| Net charge-offs to loans | 0.0279% | 2,652 |
| Credit loss provision to net charge-offs | 320.0000% | 923 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,940 |
| Efficiency ratio | 90.8218% | 414 |
| Assets per employee ($millions) | 2.9138% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2512% | 2,681 |
| Loan loss allowance to noncurrent loans | 25.4168% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 4.3301% | 149 |
| Noncurrent loans to loans | 4.9228% | 157 |
| Net loans and leases to total assets | 86.8605% | 217 |
| Net loans and leases to deposits | 116.1508% | 152 |
| Net loans and leases to core deposits | 138.2781% | 204 |
| Total domestic deposits to total assets | 74.7825% | 5,225 |
| Equity capital to assets | 13.0827% | 1,335 |
| Core capital (leverage) ratio | 13.4249% | 1,019 |
| Tier 1 risk-based capital ratio | 14.7796% | 3,025 |
| Total risk-based capital ratio | 16.0229% | 2,960 |
| Memoranda: |
| Average total assets | $82,265,670 | 4,627 |
| Average earning assets | $73,628,330 | 4,667 |
| Average equity | $10,997,330 | 4,360 |
| Average total loans | $71,575,000 | 3,981 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4225% | 1,581 |
| Cost of funding earning assets | 0.5294% | 1,865 |
| Net interest margin | 3.8932% | 1,806 |
| Noninterest income to average assets | 1.1485% | 767 |
| Noninterest expense to average assets | 4.1455% | 452 |
| Loan and lease loss provision to assets | 0.0592% | 2,625 |
| Net operating income to assets | 0.3943% | 4,958 |
| Return on assets (ROA) | 0.3943% | 4,984 |
| Pretax return on assets | 0.4239% | 5,115 |
| Return on Equity (ROE) | 2.9174% | 5,125 |
| Retained earnings to average equity (ytd only) | 2.9174% | 3,954 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5634% | 577 |
| Assets per employee ($millions) | 2.8013% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2966% | 2,554 |
| Loan loss allowance to noncurrent loans | 34.6270% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 3.4639% | 248 |
| Noncurrent loans to loans | 3.7445% | 303 |
| Net loans and leases to total assets | 86.1149% | 213 |
| Net loans and leases to deposits | 109.6297% | 222 |
| Net loans and leases to core deposits | 133.4160% | 221 |
| Total domestic deposits to total assets | 78.5507% | 4,900 |
| Equity capital to assets | 13.5515% | 1,058 |
| Core capital (leverage) ratio | 13.6090% | 941 |
| Tier 1 risk-based capital ratio | 15.1297% | 2,909 |
| Total risk-based capital ratio | 16.3790% | 2,839 |
| Memoranda: |
| Average total assets | $81,148,000 | 4,694 |
| Average earning assets | $72,537,500 | 4,729 |
| Average equity | $10,968,500 | 4,392 |
| Average total loans | $70,198,500 | 4,045 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3778% | 1,887 |
| Cost of funding earning assets | 0.5338% | 1,838 |
| Net interest margin | 3.8440% | 2,159 |
| Noninterest income to average assets | 1.6460% | 442 |
| Noninterest expense to average assets | 4.4532% | 395 |
| Loan and lease loss provision to assets | 0.0783% | 2,800 |
| Net operating income to assets | 0.4807% | 4,708 |
| Return on assets (ROA) | 0.4807% | 4,783 |
| Pretax return on assets | 0.4888% | 5,045 |
| Return on Equity (ROE) | 3.3287% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.3287% | 3,549 |
| Net charge-offs to loans | -0.0016% | 4,688 |
| Credit loss provision to net charge-offs | -5,800.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7036% | 629 |
| Assets per employee ($millions) | 2.4563% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3047% | 2,523 |
| Loan loss allowance to noncurrent loans | 28.2115% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 3.9663% | 194 |
| Noncurrent loans to loans | 4.6246% | 194 |
| Net loans and leases to total assets | 84.6468% | 326 |
| Net loans and leases to deposits | 109.4638% | 241 |
| Net loans and leases to core deposits | 129.5709% | 292 |
| Total domestic deposits to total assets | 77.3286% | 5,074 |
| Equity capital to assets | 13.4817% | 1,056 |
| Core capital (leverage) ratio | 13.6660% | 910 |
| Tier 1 risk-based capital ratio | 15.2258% | 2,875 |
| Total risk-based capital ratio | 16.4756% | 2,806 |
| Memoranda: |
| Average total assets | $74,059,400 | 4,848 |
| Average earning assets | $65,010,400 | 4,916 |
| Average equity | $10,695,000 | 4,462 |
| Average total loans | $62,493,200 | 4,212 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3605% | 1,976 |
| Cost of funding earning assets | 0.5453% | 1,745 |
| Net interest margin | 3.8152% | 2,280 |
| Noninterest income to average assets | 1.6447% | 452 |
| Noninterest expense to average assets | 4.5599% | 364 |
| Loan and lease loss provision to assets | 0.0369% | 3,512 |
| Net operating income to assets | 0.3780% | 5,099 |
| Return on assets (ROA) | 0.3780% | 5,183 |
| Pretax return on assets | 0.3891% | 5,326 |
| Return on Equity (ROE) | 2.5697% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.5697% | 4,369 |
| Net charge-offs to loans | 0.0439% | 2,765 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 11.5482% | 2,477 |
| Efficiency ratio | 91.4571% | 494 |
| Assets per employee ($millions) | 2.6230% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2436% | 2,997 |
| Loan loss allowance to noncurrent loans | 26.5478% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 4.0640% | 203 |
| Noncurrent loans to loans | 4.6845% | 196 |
| Net loans and leases to total assets | 85.6754% | 274 |
| Net loans and leases to deposits | 112.2006% | 222 |
| Net loans and leases to core deposits | 125.2192% | 387 |
| Total domestic deposits to total assets | 76.3591% | 5,184 |
| Equity capital to assets | 13.6968% | 1,164 |
| Core capital (leverage) ratio | 14.1876% | 799 |
| Tier 1 risk-based capital ratio | 15.4495% | 2,850 |
| Total risk-based capital ratio | 16.6664% | 2,796 |
| Memoranda: |
| Average total assets | $72,309,750 | 4,922 |
| Average earning assets | $63,324,250 | 4,993 |
| Average equity | $10,636,750 | 4,512 |
| Average total loans | $60,736,500 | 4,301 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5452% | 1,395 |
| Cost of funding earning assets | 0.5592% | 1,628 |
| Net interest margin | 3.9861% | 1,684 |
| Noninterest income to average assets | 1.4818% | 539 |
| Noninterest expense to average assets | 4.6934% | 328 |
| Loan and lease loss provision to assets | 0.0228% | 3,672 |
| Net operating income to assets | 0.2365% | 5,459 |
| Return on assets (ROA) | 0.2365% | 5,522 |
| Pretax return on assets | 0.2394% | 5,572 |
| Return on Equity (ROE) | 1.5676% | 5,598 |
| Retained earnings to average equity (ytd only) | 1.5676% | 4,752 |
| Net charge-offs to loans | 0.0653% | 2,260 |
| Credit loss provision to net charge-offs | 42.1053% | 2,752 |
| Earnings coverage of net charge-offs (x) | 4.8421% | 2,937 |
| Efficiency ratio | 94.7096% | 390 |
| Assets per employee ($millions) | 2.8680% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3770% | 2,399 |
| Loan loss allowance to noncurrent loans | 78.9623% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 1,298 |
| Noncurrent loans to loans | 1.7438% | 1,200 |
| Net loans and leases to total assets | 83.6120% | 451 |
| Net loans and leases to deposits | 112.2031% | 205 |
| Net loans and leases to core deposits | 112.2031% | 805 |
| Total domestic deposits to total assets | 74.5185% | 5,467 |
| Equity capital to assets | 14.8621% | 765 |
| Core capital (leverage) ratio | 15.2129% | 571 |
| Tier 1 risk-based capital ratio | 17.3426% | 2,119 |
| Total risk-based capital ratio | 18.5925% | 2,080 |
| Memoranda: |
| Average total assets | $70,183,000 | 5,018 |
| Average earning assets | $61,163,000 | 5,085 |
| Average equity | $10,589,670 | 4,549 |
| Average total loans | $58,226,330 | 4,403 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4480% | 1,659 |
| Cost of funding earning assets | 0.5776% | 1,495 |
| Net interest margin | 3.8704% | 2,034 |
| Noninterest income to average assets | 1.2676% | 683 |
| Noninterest expense to average assets | 4.8052% | 307 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1844% | 5,880 |
| Return on assets (ROA) | -0.1844% | 5,896 |
| Pretax return on assets | -0.1786% | 5,889 |
| Return on Equity (ROE) | -1.2125% | 5,878 |
| Retained earnings to average equity (ytd only) | -1.2125% | 5,304 |
| Net charge-offs to loans | 0.0211% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -10.3333% | 3,059 |
| Efficiency ratio | 103.8605% | 215 |
| Assets per employee ($millions) | 2.2378% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4939% | 2,017 |
| Loan loss allowance to noncurrent loans | 93.7916% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.3017% | 1,648 |
| Noncurrent loans to loans | 1.5928% | 1,459 |
| Net loans and leases to total assets | 80.4154% | 759 |
| Net loans and leases to deposits | 102.7310% | 478 |
| Net loans and leases to core deposits | 103.2157% | 1,247 |
| Total domestic deposits to total assets | 78.2777% | 5,095 |
| Equity capital to assets | 15.1937% | 653 |
| Core capital (leverage) ratio | 15.0914% | 589 |
| Tier 1 risk-based capital ratio | 18.0439% | 1,971 |
| Total risk-based capital ratio | 19.2954% | 1,939 |
| Memoranda: |
| Average total assets | $69,425,000 | 5,083 |
| Average earning assets | $60,252,000 | 5,151 |
| Average equity | $10,556,500 | 4,573 |
| Average total loans | $56,946,500 | 4,474 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3151% | 2,176 |
| Cost of funding earning assets | 0.7851% | 535 |
| Net interest margin | 3.5300% | 3,412 |
| Noninterest income to average assets | 0.9543% | 1,309 |
| Noninterest expense to average assets | 4.0145% | 661 |
| Loan and lease loss provision to assets | -0.1690% | 5,951 |
| Net operating income to assets | 0.1717% | 5,640 |
| Return on assets (ROA) | 0.1717% | 5,687 |
| Pretax return on assets | 0.1717% | 5,722 |
| Return on Equity (ROE) | 1.2019% | 5,737 |
| Retained earnings to average equity (ytd only) | -0.9843% | 5,656 |
| Net charge-offs to loans | -0.0017% | 4,863 |
| Credit loss provision to net charge-offs | 12,500.0000% | 24 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9327% | 283 |
| Assets per employee ($millions) | 2.6723% | 5,792 |
| Cash dividends to net income (ytd only)* | 181.8898% | 117 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4827% | 2,094 |
| Loan loss allowance to noncurrent loans | 88.8075% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.3788% | 1,519 |
| Noncurrent loans to loans | 1.6695% | 1,361 |
| Net loans and leases to total assets | 81.1943% | 674 |
| Net loans and leases to deposits | 104.9525% | 395 |
| Net loans and leases to core deposits | 105.4527% | 1,135 |
| Total domestic deposits to total assets | 77.3629% | 5,261 |
| Equity capital to assets | 15.2175% | 638 |
| Core capital (leverage) ratio | 14.9776% | 623 |
| Tier 1 risk-based capital ratio | 18.1570% | 1,916 |
| Total risk-based capital ratio | 19.4089% | 1,885 |
| Memoranda: |
| Average total assets | $73,982,600 | 4,990 |
| Average earning assets | $64,193,400 | 5,081 |
| Average equity | $10,566,200 | 4,558 |
| Average total loans | $57,379,400 | 4,446 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2292% | 2,486 |
| Cost of funding earning assets | 0.8201% | 440 |
| Net interest margin | 3.4090% | 3,915 |
| Noninterest income to average assets | 0.8894% | 1,480 |
| Noninterest expense to average assets | 4.0563% | 626 |
| Loan and lease loss provision to assets | -0.2219% | 6,116 |
| Net operating income to assets | 0.0213% | 5,920 |
| Return on assets (ROA) | 0.0213% | 5,956 |
| Pretax return on assets | 0.0213% | 5,951 |
| Return on Equity (ROE) | 0.1515% | 5,958 |
| Retained earnings to average equity (ytd only) | -2.7639% | 5,917 |
| Net charge-offs to loans | -0.0023% | 4,718 |
| Credit loss provision to net charge-offs | 12,500.0000% | 35 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2026% | 199 |
| Assets per employee ($millions) | 2.7224% | 5,821 |
| Cash dividends to net income (ytd only)* | 1,924.9375% | 3 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4450% | 2,390 |
| Loan loss allowance to noncurrent loans | 1,230.4348% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 5,343 |
| Noncurrent loans to loans | 0.1174% | 5,159 |
| Net loans and leases to total assets | 81.8075% | 597 |
| Net loans and leases to deposits | 104.9175% | 409 |
| Net loans and leases to core deposits | 105.3987% | 1,142 |
| Total domestic deposits to total assets | 77.9732% | 5,188 |
| Equity capital to assets | 14.7749% | 792 |
| Core capital (leverage) ratio | 14.3168% | 780 |
| Tier 1 risk-based capital ratio | 17.8614% | 2,065 |
| Total risk-based capital ratio | 19.1133% | 2,031 |
| Memoranda: |
| Average total assets | $75,108,500 | 5,023 |
| Average earning assets | $65,353,750 | 5,113 |
| Average equity | $10,564,500 | 4,609 |
| Average total loans | $57,408,750 | 4,490 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2019% | 2,536 |
| Cost of funding earning assets | 0.8186% | 449 |
| Net interest margin | 3.3833% | 3,958 |
| Noninterest income to average assets | 0.8596% | 1,573 |
| Noninterest expense to average assets | 4.1698% | 567 |
| Loan and lease loss provision to assets | -0.3266% | 6,238 |
| Net operating income to assets | -0.0575% | 6,030 |
| Return on assets (ROA) | -0.0575% | 6,058 |
| Pretax return on assets | -0.0575% | 6,048 |
| Return on Equity (ROE) | -0.4151% | 6,054 |
| Retained earnings to average equity (ytd only) | -4.7736% | 6,010 |
| Net charge-offs to loans | -0.0035% | 4,661 |
| Credit loss provision to net charge-offs | 12,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1449% | 169 |
| Assets per employee ($millions) | 2.7206% | 5,893 |
| Cash dividends to net income (ytd only)* | -1,050.0000% | 6,344 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5023% | 2,283 |
| Loan loss allowance to noncurrent loans | 103.9216% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1136% | 2,277 |
| Noncurrent loans to loans | 1.4456% | 1,847 |
| Net loans and leases to total assets | 75.6905% | 1,409 |
| Net loans and leases to deposits | 96.7882% | 887 |
| Net loans and leases to core deposits | 97.2147% | 1,706 |
| Total domestic deposits to total assets | 78.2022% | 5,234 |
| Equity capital to assets | 14.1906% | 917 |
| Core capital (leverage) ratio | 14.0686% | 823 |
| Tier 1 risk-based capital ratio | 18.5636% | 1,905 |
| Total risk-based capital ratio | 19.8155% | 1,862 |
| Memoranda: |
| Average total assets | $76,550,670 | 5,044 |
| Average earning assets | $66,207,670 | 5,149 |
| Average equity | $10,600,000 | 4,636 |
| Average total loans | $56,960,330 | 4,541 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2695% | 2,193 |
| Cost of funding earning assets | 0.8116% | 470 |
| Net interest margin | 3.4580% | 3,597 |
| Noninterest income to average assets | 0.7119% | 2,120 |
| Noninterest expense to average assets | 3.9899% | 703 |
| Loan and lease loss provision to assets | -0.6402% | 6,364 |
| Net operating income to assets | 0.3739% | 5,172 |
| Return on assets (ROA) | 0.3739% | 5,292 |
| Pretax return on assets | 0.3739% | 5,489 |
| Return on Equity (ROE) | 2.7320% | 5,464 |
| Retained earnings to average equity (ytd only) | 0.8234% | 5,129 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1527% | 222 |
| Assets per employee ($millions) | 2.8194% | 5,861 |
| Cash dividends to net income (ytd only)* | 69.8630% | 1,185 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5712% | 2,157 |
| Loan loss allowance to noncurrent loans | 246.5116% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 4,217 |
| Noncurrent loans to loans | 0.6374% | 3,677 |
| Net loans and leases to total assets | 69.7857% | 2,168 |
| Net loans and leases to deposits | 88.7676% | 1,535 |
| Net loans and leases to core deposits | 88.7676% | 2,244 |
| Total domestic deposits to total assets | 78.6162% | 5,337 |
| Equity capital to assets | 14.0549% | 969 |
| Core capital (leverage) ratio | 13.8207% | 878 |
| Tier 1 risk-based capital ratio | 20.1659% | 1,577 |
| Total risk-based capital ratio | 21.4193% | 1,548 |
| Memoranda: |
| Average total assets | $78,097,500 | 5,069 |
| Average earning assets | $68,017,000 | 5,141 |
| Average equity | $10,688,000 | 4,661 |
| Average total loans | $57,216,500 | 4,573 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7102% | 1,281 |
| Cost of funding earning assets | 0.8711% | 458 |
| Net interest margin | 3.8391% | 2,474 |
| Noninterest income to average assets | 1.2495% | 781 |
| Noninterest expense to average assets | 3.3592% | 1,784 |
| Loan and lease loss provision to assets | 0.0593% | 3,347 |
| Net operating income to assets | 1.0938% | 1,999 |
| Return on assets (ROA) | 1.0938% | 2,056 |
| Pretax return on assets | 1.1210% | 3,003 |
| Return on Equity (ROE) | 8.4127% | 2,902 |
| Retained earnings to average equity (ytd only) | 5.0286% | 2,581 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9995% | 2,835 |
| Assets per employee ($millions) | 3.3363% | 5,208 |
| Cash dividends to net income (ytd only)* | 40.2260% | 2,837 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6093% | 2,057 |
| Loan loss allowance to noncurrent loans | 2,262.7907% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 5,790 |
| Noncurrent loans to loans | 0.0711% | 5,593 |
| Net loans and leases to total assets | 74.2944% | 1,538 |
| Net loans and leases to deposits | 93.3029% | 1,149 |
| Net loans and leases to core deposits | 93.3029% | 1,966 |
| Total domestic deposits to total assets | 79.6271% | 5,116 |
| Equity capital to assets | 13.3342% | 1,217 |
| Core capital (leverage) ratio | 13.2975% | 1,027 |
| Tier 1 risk-based capital ratio | 17.7686% | 2,210 |
| Total risk-based capital ratio | 19.0162% | 2,180 |
| Memoranda: |
| Average total assets | $80,911,200 | 5,042 |
| Average earning assets | $69,339,600 | 5,140 |
| Average equity | $10,519,800 | 4,648 |
| Average total loans | $64,413,400 | 4,352 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6855% | 1,344 |
| Cost of funding earning assets | 0.8787% | 471 |
| Net interest margin | 3.8069% | 2,599 |
| Noninterest income to average assets | 1.4036% | 633 |
| Noninterest expense to average assets | 3.2757% | 1,956 |
| Loan and lease loss provision to assets | 0.0592% | 3,184 |
| Net operating income to assets | 1.2869% | 1,407 |
| Return on assets (ROA) | 1.2869% | 1,463 |
| Pretax return on assets | 1.3231% | 2,297 |
| Return on Equity (ROE) | 9.9611% | 2,240 |
| Retained earnings to average equity (ytd only) | 6.0937% | 2,350 |
| Net charge-offs to loans | 0.0020% | 4,646 |
| Credit loss provision to net charge-offs | 3,600.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 843.0902% | 86 |
| Efficiency ratio | 70.3246% | 3,451 |
| Assets per employee ($millions) | 2.9932% | 5,725 |
| Cash dividends to net income (ytd only)* | 38.8249% | 2,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4180% | 3,086 |
| Loan loss allowance to noncurrent loans | 288.5886% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 4,674 |
| Noncurrent loans to loans | 0.4913% | 4,442 |
| Net loans and leases to total assets | 82.6717% | 442 |
| Net loans and leases to deposits | 103.5508% | 427 |
| Net loans and leases to core deposits | 103.5508% | 1,125 |
| Total domestic deposits to total assets | 79.8369% | 5,138 |
| Equity capital to assets | 13.1496% | 1,351 |
| Core capital (leverage) ratio | 12.9312% | 1,212 |
| Tier 1 risk-based capital ratio | 15.3513% | 3,395 |
| Total risk-based capital ratio | 16.5476% | 3,362 |
| Memoranda: |
| Average total assets | $81,121,000 | 5,088 |
| Average earning assets | $69,346,500 | 5,193 |
| Average equity | $10,480,500 | 4,693 |
| Average total loans | $65,401,250 | 4,358 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6649% | 1,359 |
| Cost of funding earning assets | 0.8965% | 439 |
| Net interest margin | 3.7684% | 2,676 |
| Noninterest income to average assets | 1.9231% | 366 |
| Noninterest expense to average assets | 3.5113% | 1,457 |
| Loan and lease loss provision to assets | 0.0591% | 3,090 |
| Net operating income to assets | 1.5168% | 846 |
| Return on assets (ROA) | 1.5168% | 880 |
| Pretax return on assets | 1.5611% | 1,358 |
| Return on Equity (ROE) | 11.8102% | 1,477 |
| Retained earnings to average equity (ytd only) | 6.9596% | 1,796 |
| Net charge-offs to loans | -0.0186% | 5,518 |
| Credit loss provision to net charge-offs | -400.0000% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4261% | 3,931 |
| Assets per employee ($millions) | 3.1365% | 5,534 |
| Cash dividends to net income (ytd only)* | 41.0714% | 2,358 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4603% | 3,074 |
| Loan loss allowance to noncurrent loans | 292.0489% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 4,806 |
| Noncurrent loans to loans | 0.5000% | 4,495 |
| Net loans and leases to total assets | 79.0239% | 795 |
| Net loans and leases to deposits | 98.6015% | 623 |
| Net loans and leases to core deposits | 98.6015% | 1,400 |
| Total domestic deposits to total assets | 80.1447% | 5,204 |
| Equity capital to assets | 12.8890% | 1,429 |
| Core capital (leverage) ratio | 12.6362% | 1,317 |
| Tier 1 risk-based capital ratio | 15.6298% | 3,277 |
| Total risk-based capital ratio | 16.8761% | 3,226 |
| Memoranda: |
| Average total assets | $81,222,670 | 5,134 |
| Average earning assets | $69,154,670 | 5,236 |
| Average equity | $10,431,670 | 4,723 |
| Average total loans | $64,610,670 | 4,404 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5766% | 1,566 |
| Cost of funding earning assets | 0.8783% | 509 |
| Net interest margin | 3.6983% | 2,871 |
| Noninterest income to average assets | 3.1385% | 175 |
| Noninterest expense to average assets | 3.7898% | 1,001 |
| Loan and lease loss provision to assets | 0.0592% | 2,922 |
| Net operating income to assets | 2.4081% | 170 |
| Return on assets (ROA) | 2.4081% | 181 |
| Pretax return on assets | 2.4476% | 245 |
| Return on Equity (ROE) | 18.7837% | 381 |
| Retained earnings to average equity (ytd only) | 18.7837% | 152 |
| Net charge-offs to loans | -0.0311% | 5,580 |
| Credit loss provision to net charge-offs | -240.0000% | 4,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1881% | 5,378 |
| Assets per employee ($millions) | 3.2510% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4609% | 3,326 |
| Loan loss allowance to noncurrent loans | 879.4393% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 5,116 |
| Noncurrent loans to loans | 0.1661% | 5,586 |
| Net loans and leases to total assets | 78.0919% | 764 |
| Net loans and leases to deposits | 97.6612% | 566 |
| Net loans and leases to core deposits | 97.6612% | 1,261 |
| Total domestic deposits to total assets | 79.9621% | 5,489 |
| Equity capital to assets | 13.0863% | 1,270 |
| Core capital (leverage) ratio | 13.0702% | 1,139 |
| Tier 1 risk-based capital ratio | 15.6975% | 3,333 |
| Total risk-based capital ratio | 16.9326% | 3,309 |
| Memoranda: |
| Average total assets | $81,059,000 | 5,186 |
| Average earning assets | $69,221,000 | 5,287 |
| Average equity | $10,392,000 | 4,750 |
| Average total loans | $64,216,500 | 4,452 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4248% | 2,492 |
| Cost of funding earning assets | 0.9572% | 559 |
| Net interest margin | 3.4676% | 4,035 |
| Noninterest income to average assets | 1.0782% | 1,219 |
| Noninterest expense to average assets | 3.1039% | 2,720 |
| Loan and lease loss provision to assets | 0.0592% | 3,955 |
| Net operating income to assets | 0.8216% | 3,178 |
| Return on assets (ROA) | 0.8216% | 3,275 |
| Pretax return on assets | 0.8648% | 3,897 |
| Return on Equity (ROE) | 6.6240% | 3,761 |
| Retained earnings to average equity (ytd only) | 2.4666% | 4,500 |
| Net charge-offs to loans | -0.0727% | 6,417 |
| Credit loss provision to net charge-offs | -114.2857% | 5,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0597% | 2,611 |
| Assets per employee ($millions) | 2.9941% | 5,844 |
| Cash dividends to net income (ytd only)* | 62.7628% | 1,632 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4448% | 3,443 |
| Loan loss allowance to noncurrent loans | 2,151.1628% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 5,054 |
| Noncurrent loans to loans | 0.0672% | 6,020 |
| Net loans and leases to total assets | 78.0498% | 823 |
| Net loans and leases to deposits | 96.9828% | 671 |
| Net loans and leases to core deposits | 98.1138% | 1,297 |
| Total domestic deposits to total assets | 80.4780% | 5,326 |
| Equity capital to assets | 12.5529% | 1,491 |
| Core capital (leverage) ratio | 12.7213% | 1,251 |
| Tier 1 risk-based capital ratio | 15.5337% | 3,354 |
| Total risk-based capital ratio | 16.7659% | 3,316 |
| Memoranda: |
| Average total assets | $81,059,200 | 5,215 |
| Average earning assets | $68,952,800 | 5,328 |
| Average equity | $10,054,400 | 4,833 |
| Average total loans | $57,797,000 | 4,693 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3572% | 2,745 |
| Cost of funding earning assets | 0.9724% | 566 |
| Net interest margin | 3.3849% | 4,341 |
| Noninterest income to average assets | 1.2114% | 993 |
| Noninterest expense to average assets | 3.1264% | 2,576 |
| Loan and lease loss provision to assets | 0.0592% | 3,863 |
| Net operating income to assets | 0.8482% | 3,107 |
| Return on assets (ROA) | 0.8482% | 3,222 |
| Pretax return on assets | 0.8926% | 3,921 |
| Return on Equity (ROE) | 6.8585% | 3,727 |
| Retained earnings to average equity (ytd only) | 2.9109% | 4,582 |
| Net charge-offs to loans | -0.0901% | 6,469 |
| Credit loss provision to net charge-offs | -94.7368% | 5,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6626% | 2,620 |
| Assets per employee ($millions) | 2.9469% | 5,930 |
| Cash dividends to net income (ytd only)* | 57.5584% | 1,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5279% | 3,345 |
| Loan loss allowance to noncurrent loans | 247.0109% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 3,999 |
| Noncurrent loans to loans | 0.6186% | 4,658 |
| Net loans and leases to total assets | 73.6285% | 1,340 |
| Net loans and leases to deposits | 91.9224% | 984 |
| Net loans and leases to core deposits | 92.6493% | 1,706 |
| Total domestic deposits to total assets | 80.0985% | 5,477 |
| Equity capital to assets | 12.7176% | 1,466 |
| Core capital (leverage) ratio | 12.6735% | 1,338 |
| Tier 1 risk-based capital ratio | 16.8190% | 2,794 |
| Total risk-based capital ratio | 18.0507% | 2,759 |
| Memoranda: |
| Average total assets | $81,113,500 | 5,257 |
| Average earning assets | $68,696,500 | 5,388 |
| Average equity | $10,031,000 | 4,895 |
| Average total loans | $56,240,750 | 4,787 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3093% | 2,916 |
| Cost of funding earning assets | 0.9974% | 550 |
| Net interest margin | 3.3119% | 4,528 |
| Noninterest income to average assets | 1.3500% | 861 |
| Noninterest expense to average assets | 3.0700% | 2,762 |
| Loan and lease loss provision to assets | 0.0588% | 3,832 |
| Net operating income to assets | 0.9629% | 2,499 |
| Return on assets (ROA) | 0.9629% | 2,649 |
| Pretax return on assets | 1.0119% | 3,456 |
| Return on Equity (ROE) | 7.8587% | 3,162 |
| Retained earnings to average equity (ytd only) | 3.1595% | 4,310 |
| Net charge-offs to loans | 0.2466% | 2,247 |
| Credit loss provision to net charge-offs | 35.2941% | 3,497 |
| Earnings coverage of net charge-offs (x) | 6.4265% | 2,719 |
| Efficiency ratio | 74.1420% | 3,099 |
| Assets per employee ($millions) | 2.9539% | 5,923 |
| Cash dividends to net income (ytd only)* | 59.7964% | 1,508 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3905% | 4,078 |
| Loan loss allowance to noncurrent loans | 144.9541% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 1.0545% | 3,635 |
| Noncurrent loans to loans | 0.9593% | 4,014 |
| Net loans and leases to total assets | 70.2448% | 1,840 |
| Net loans and leases to deposits | 87.3871% | 1,413 |
| Net loans and leases to core deposits | 88.0740% | 2,099 |
| Total domestic deposits to total assets | 80.3834% | 5,514 |
| Equity capital to assets | 12.6100% | 1,515 |
| Core capital (leverage) ratio | 12.0275% | 1,602 |
| Tier 1 risk-based capital ratio | 17.7522% | 2,412 |
| Total risk-based capital ratio | 18.9949% | 2,386 |
| Memoranda: |
| Average total assets | $81,629,000 | 5,282 |
| Average earning assets | $68,781,670 | 5,428 |
| Average equity | $10,001,670 | 4,936 |
| Average total loans | $55,156,670 | 4,848 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2769% | 3,000 |
| Cost of funding earning assets | 1.0108% | 588 |
| Net interest margin | 3.2661% | 4,649 |
| Noninterest income to average assets | 1.4534% | 731 |
| Noninterest expense to average assets | 3.0908% | 2,706 |
| Loan and lease loss provision to assets | 0.0581% | 3,660 |
| Net operating income to assets | 0.9641% | 2,380 |
| Return on assets (ROA) | 0.9641% | 2,512 |
| Pretax return on assets | 1.0125% | 3,294 |
| Return on Equity (ROE) | 7.9807% | 2,983 |
| Retained earnings to average equity (ytd only) | 5.9755% | 2,688 |
| Net charge-offs to loans | 0.2282% | 2,077 |
| Credit loss provision to net charge-offs | 38.7097% | 2,765 |
| Earnings coverage of net charge-offs (x) | 7.1290% | 2,112 |
| Efficiency ratio | 74.2724% | 3,222 |
| Assets per employee ($millions) | 3.6454% | 4,686 |
| Cash dividends to net income (ytd only)* | 25.1256% | 2,203 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5031% | 3,813 |
| Loan loss allowance to noncurrent loans | 137.6054% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 3,884 |
| Noncurrent loans to loans | 1.0923% | 3,961 |
| Net loans and leases to total assets | 63.7748% | 2,753 |
| Net loans and leases to deposits | 78.3737% | 2,290 |
| Net loans and leases to core deposits | 79.2554% | 2,896 |
| Total domestic deposits to total assets | 81.3728% | 5,397 |
| Equity capital to assets | 11.9852% | 2,056 |
| Core capital (leverage) ratio | 11.9058% | 1,616 |
| Tier 1 risk-based capital ratio | 17.3888% | 2,608 |
| Total risk-based capital ratio | 18.6347% | 2,574 |
| Memoranda: |
| Average total assets | $82,566,500 | 5,307 |
| Average earning assets | $68,461,500 | 5,479 |
| Average equity | $9,974,000 | 4,991 |
| Average total loans | $54,328,500 | 4,907 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7392% | 2,431 |
| Cost of funding earning assets | 1.1960% | 595 |
| Net interest margin | 3.5432% | 4,328 |
| Noninterest income to average assets | 1.2709% | 961 |
| Noninterest expense to average assets | 2.9803% | 3,346 |
| Loan and lease loss provision to assets | 0.0561% | 5,087 |
| Net operating income to assets | 1.1281% | 1,847 |
| Return on assets (ROA) | 1.1281% | 2,016 |
| Pretax return on assets | 1.1574% | 2,961 |
| Return on Equity (ROE) | 9.1119% | 2,587 |
| Retained earnings to average equity (ytd only) | 5.4980% | 2,385 |
| Net charge-offs to loans | 0.2820% | 3,252 |
| Credit loss provision to net charge-offs | 28.5714% | 5,140 |
| Earnings coverage of net charge-offs (x) | 6.1818% | 2,857 |
| Efficiency ratio | 71.0638% | 3,612 |
| Assets per employee ($millions) | 3.2515% | 5,508 |
| Cash dividends to net income (ytd only)* | 39.6610% | 2,873 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5358% | 3,592 |
| Loan loss allowance to noncurrent loans | 132.5397% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 1.3594% | 3,361 |
| Noncurrent loans to loans | 1.1587% | 3,914 |
| Net loans and leases to total assets | 65.8572% | 2,547 |
| Net loans and leases to deposits | 81.8713% | 2,012 |
| Net loans and leases to core deposits | 89.8071% | 1,856 |
| Total domestic deposits to total assets | 80.4399% | 5,558 |
| Equity capital to assets | 12.1777% | 1,926 |
| Core capital (leverage) ratio | 12.2372% | 1,435 |
| Tier 1 risk-based capital ratio | 17.3578% | 2,499 |
| Total risk-based capital ratio | 18.6028% | 2,477 |
| Memoranda: |
| Average total assets | $78,449,000 | 5,398 |
| Average earning assets | $64,715,200 | 5,594 |
| Average equity | $9,712,600 | 5,047 |
| Average total loans | $54,600,400 | 4,913 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8796% | 2,086 |
| Cost of funding earning assets | 1.2352% | 591 |
| Net interest margin | 3.6445% | 4,028 |
| Noninterest income to average assets | 1.0616% | 1,339 |
| Noninterest expense to average assets | 2.9277% | 3,490 |
| Loan and lease loss provision to assets | 0.0549% | 5,056 |
| Net operating income to assets | 1.0171% | 2,417 |
| Return on assets (ROA) | 1.0171% | 2,652 |
| Pretax return on assets | 1.0445% | 3,554 |
| Return on Equity (ROE) | 8.1797% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.1797% | 1,537 |
| Net charge-offs to loans | 0.3854% | 2,551 |
| Credit loss provision to net charge-offs | 20.2532% | 4,952 |
| Earnings coverage of net charge-offs (x) | 4.0570% | 3,417 |
| Efficiency ratio | 72.7002% | 3,199 |
| Assets per employee ($millions) | 3.2813% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5458% | 3,747 |
| Loan loss allowance to noncurrent loans | 478.9474% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.9498% | 4,381 |
| Noncurrent loans to loans | 0.3228% | 5,832 |
| Net loans and leases to total assets | 66.2387% | 2,611 |
| Net loans and leases to deposits | 82.5155% | 2,054 |
| Net loans and leases to core deposits | 90.8178% | 1,894 |
| Total domestic deposits to total assets | 80.2743% | 5,582 |
| Equity capital to assets | 12.6463% | 1,799 |
| Core capital (leverage) ratio | 12.5398% | 1,390 |
| Tier 1 risk-based capital ratio | 17.5613% | 2,516 |
| Total risk-based capital ratio | 18.8044% | 2,486 |
| Memoranda: |
| Average total assets | $77,739,250 | 5,466 |
| Average earning assets | $63,254,500 | 5,687 |
| Average equity | $9,666,000 | 5,109 |
| Average total loans | $54,658,250 | 4,966 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9305% | 1,988 |
| Cost of funding earning assets | 1.2382% | 685 |
| Net interest margin | 3.6923% | 3,862 |
| Noninterest income to average assets | 0.9974% | 1,472 |
| Noninterest expense to average assets | 2.8888% | 3,667 |
| Loan and lease loss provision to assets | 0.0517% | 5,020 |
| Net operating income to assets | 1.0542% | 2,229 |
| Return on assets (ROA) | 1.0542% | 2,461 |
| Pretax return on assets | 1.0697% | 3,422 |
| Return on Equity (ROE) | 8.5281% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.5281% | 1,441 |
| Net charge-offs to loans | 0.0616% | 4,560 |
| Credit loss provision to net charge-offs | 117.6471% | 2,340 |
| Earnings coverage of net charge-offs (x) | 25.5294% | 1,195 |
| Efficiency ratio | 72.0361% | 3,428 |
| Assets per employee ($millions) | 3.5908% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7596% | 2,987 |
| Loan loss allowance to noncurrent loans | 40.3576% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 3.9039% | 1,331 |
| Noncurrent loans to loans | 4.3601% | 1,230 |
| Net loans and leases to total assets | 66.9987% | 2,465 |
| Net loans and leases to deposits | 83.1806% | 1,958 |
| Net loans and leases to core deposits | 89.0427% | 2,094 |
| Total domestic deposits to total assets | 80.5461% | 5,601 |
| Equity capital to assets | 12.3726% | 1,900 |
| Core capital (leverage) ratio | 12.5409% | 1,336 |
| Tier 1 risk-based capital ratio | 16.5855% | 2,866 |
| Total risk-based capital ratio | 17.8497% | 2,819 |
| Memoranda: |
| Average total assets | $77,402,330 | 5,509 |
| Average earning assets | $63,157,670 | 5,730 |
| Average equity | $9,568,330 | 5,140 |
| Average total loans | $55,217,000 | 4,978 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0195% | 1,824 |
| Cost of funding earning assets | 1.2253% | 869 |
| Net interest margin | 3.7942% | 3,416 |
| Noninterest income to average assets | 0.7989% | 2,175 |
| Noninterest expense to average assets | 2.8719% | 3,737 |
| Loan and lease loss provision to assets | 0.0418% | 4,870 |
| Net operating income to assets | 1.0391% | 2,327 |
| Return on assets (ROA) | 1.0391% | 2,518 |
| Pretax return on assets | 1.0704% | 3,430 |
| Return on Equity (ROE) | 8.4095% | 3,102 |
| Retained earnings to average equity (ytd only) | 8.4095% | 1,817 |
| Net charge-offs to loans | -0.0072% | 5,864 |
| Credit loss provision to net charge-offs | -800.0000% | 5,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0839% | 3,424 |
| Assets per employee ($millions) | 3.5290% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7431% | 3,183 |
| Loan loss allowance to noncurrent loans | 38.9070% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 4.4424% | 1,212 |
| Noncurrent loans to loans | 4.4803% | 1,308 |
| Net loans and leases to total assets | 69.2638% | 1,897 |
| Net loans and leases to deposits | 86.2097% | 1,396 |
| Net loans and leases to core deposits | 95.6816% | 1,319 |
| Total domestic deposits to total assets | 80.3434% | 5,768 |
| Equity capital to assets | 12.3200% | 1,836 |
| Core capital (leverage) ratio | 12.6721% | 1,262 |
| Tier 1 risk-based capital ratio | 16.1965% | 3,073 |
| Total risk-based capital ratio | 17.4292% | 3,044 |
| Memoranda: |
| Average total assets | $76,605,000 | 5,576 |
| Average earning assets | $64,309,500 | 5,744 |
| Average equity | $9,465,500 | 5,179 |
| Average total loans | $55,888,000 | 4,983 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7861% | 3,877 |
| Cost of funding earning assets | 1.4492% | 860 |
| Net interest margin | 3.3369% | 5,698 |
| Noninterest income to average assets | 0.5944% | 3,196 |
| Noninterest expense to average assets | 2.6391% | 4,965 |
| Loan and lease loss provision to assets | 0.4299% | 2,448 |
| Net operating income to assets | 0.3265% | 5,163 |
| Return on assets (ROA) | 0.3265% | 5,313 |
| Pretax return on assets | 0.3508% | 5,423 |
| Return on Equity (ROE) | 2.8137% | 5,362 |
| Retained earnings to average equity (ytd only) | 2.8137% | 4,243 |
| Net charge-offs to loans | 1.6787% | 914 |
| Credit loss provision to net charge-offs | 35.5485% | 5,703 |
| Earnings coverage of net charge-offs (x) | 0.6456% | 5,337 |
| Efficiency ratio | 77.1727% | 2,715 |
| Assets per employee ($millions) | 3.2857% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6565% | 3,351 |
| Loan loss allowance to noncurrent loans | 27.4550% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 5.7627% | 879 |
| Noncurrent loans to loans | 6.0336% | 820 |
| Net loans and leases to total assets | 74.2365% | 1,232 |
| Net loans and leases to deposits | 92.5913% | 916 |
| Net loans and leases to core deposits | 99.4699% | 1,221 |
| Total domestic deposits to total assets | 80.1765% | 5,693 |
| Equity capital to assets | 12.3935% | 1,861 |
| Core capital (leverage) ratio | 12.4097% | 1,386 |
| Tier 1 risk-based capital ratio | 15.4084% | 3,386 |
| Total risk-based capital ratio | 16.6456% | 3,344 |
| Memoranda: |
| Average total assets | $78,397,400 | 5,490 |
| Average earning assets | $66,379,600 | 5,652 |
| Average equity | $9,098,200 | 5,254 |
| Average total loans | $56,472,600 | 5,008 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7128% | 4,396 |
| Cost of funding earning assets | 1.4857% | 916 |
| Net interest margin | 3.2271% | 6,090 |
| Noninterest income to average assets | 0.4197% | 4,518 |
| Noninterest expense to average assets | 2.5856% | 5,134 |
| Loan and lease loss provision to assets | 0.4500% | 2,218 |
| Net operating income to assets | 0.0758% | 6,018 |
| Return on assets (ROA) | 0.0758% | 6,135 |
| Pretax return on assets | 0.1079% | 6,079 |
| Return on Equity (ROE) | 0.6644% | 6,137 |
| Retained earnings to average equity (ytd only) | 0.6644% | 5,748 |
| Net charge-offs to loans | 1.7374% | 790 |
| Credit loss provision to net charge-offs | 36.3760% | 5,315 |
| Earnings coverage of net charge-offs (x) | 0.4510% | 5,287 |
| Efficiency ratio | 82.2520% | 1,940 |
| Assets per employee ($millions) | 3.4916% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9432% | 2,494 |
| Loan loss allowance to noncurrent loans | 36.9654% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 5.0367% | 1,140 |
| Noncurrent loans to loans | 5.2568% | 1,156 |
| Net loans and leases to total assets | 71.5385% | 1,812 |
| Net loans and leases to deposits | 88.5496% | 1,369 |
| Net loans and leases to core deposits | 95.8120% | 1,622 |
| Total domestic deposits to total assets | 80.7892% | 5,503 |
| Equity capital to assets | 11.9181% | 2,316 |
| Core capital (leverage) ratio | 11.8286% | 1,810 |
| Tier 1 risk-based capital ratio | 15.2046% | 3,544 |
| Total risk-based capital ratio | 16.4436% | 3,516 |
| Memoranda: |
| Average total assets | $79,103,750 | 5,526 |
| Average earning assets | $66,766,500 | 5,687 |
| Average equity | $9,031,250 | 5,298 |
| Average total loans | $56,329,000 | 5,062 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6262% | 4,863 |
| Cost of funding earning assets | 1.5017% | 998 |
| Net interest margin | 3.1244% | 6,357 |
| Noninterest income to average assets | 0.2604% | 5,784 |
| Noninterest expense to average assets | 2.8548% | 4,213 |
| Loan and lease loss provision to assets | 0.6686% | 1,439 |
| Net operating income to assets | -0.6586% | 6,796 |
| Return on assets (ROA) | -0.6586% | 6,800 |
| Pretax return on assets | -0.6110% | 6,713 |
| Return on Equity (ROE) | -5.8509% | 6,767 |
| Retained earnings to average equity (ytd only) | -5.8509% | 6,641 |
| Net charge-offs to loans | 2.5840% | 441 |
| Credit loss provision to net charge-offs | 36.6255% | 4,876 |
| Earnings coverage of net charge-offs (x) | 0.0316% | 5,262 |
| Efficiency ratio | 98.0224% | 788 |
| Assets per employee ($millions) | 3.7723% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9635% | 2,473 |
| Loan loss allowance to noncurrent loans | 37.9203% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 4.8082% | 1,292 |
| Noncurrent loans to loans | 5.1779% | 1,247 |
| Net loans and leases to total assets | 68.9532% | 2,424 |
| Net loans and leases to deposits | 84.3575% | 2,052 |
| Net loans and leases to core deposits | 90.9369% | 2,264 |
| Total domestic deposits to total assets | 81.7392% | 5,257 |
| Equity capital to assets | 11.1665% | 2,797 |
| Core capital (leverage) ratio | 11.0431% | 2,210 |
| Tier 1 risk-based capital ratio | 15.3355% | 3,334 |
| Total risk-based capital ratio | 16.5733% | 3,290 |
| Memoranda: |
| Average total assets | $79,866,330 | 5,553 |
| Average earning assets | $67,788,330 | 5,704 |
| Average equity | $8,990,000 | 5,330 |
| Average total loans | $56,424,670 | 5,102 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6172% | 4,875 |
| Cost of funding earning assets | 1.5352% | 1,034 |
| Net interest margin | 3.0820% | 6,393 |
| Noninterest income to average assets | 0.7333% | 2,370 |
| Noninterest expense to average assets | 2.8582% | 4,236 |
| Loan and lease loss provision to assets | 0.9228% | 861 |
| Net operating income to assets | -0.4789% | 6,797 |
| Return on assets (ROA) | -0.4789% | 6,801 |
| Pretax return on assets | -0.4140% | 6,694 |
| Return on Equity (ROE) | -4.2375% | 6,763 |
| Retained earnings to average equity (ytd only) | -4.2375% | 6,450 |
| Net charge-offs to loans | 5.1358% | 146 |
| Credit loss provision to net charge-offs | 25.3772% | 4,192 |
| Earnings coverage of net charge-offs (x) | 0.1399% | 4,495 |
| Efficiency ratio | 84.8889% | 1,859 |
| Assets per employee ($millions) | 3.7914% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8145% | 2,965 |
| Loan loss allowance to noncurrent loans | 34.9931% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 4.9825% | 1,263 |
| Noncurrent loans to loans | 5.1853% | 1,291 |
| Net loans and leases to total assets | 68.7788% | 2,385 |
| Net loans and leases to deposits | 84.2710% | 1,988 |
| Net loans and leases to core deposits | 91.9210% | 2,139 |
| Total domestic deposits to total assets | 81.6162% | 5,452 |
| Equity capital to assets | 11.3214% | 2,397 |
| Core capital (leverage) ratio | 11.2795% | 1,972 |
| Tier 1 risk-based capital ratio | 15.3396% | 3,240 |
| Total risk-based capital ratio | 16.5751% | 3,207 |
| Memoranda: |
| Average total assets | $80,190,000 | 5,587 |
| Average earning assets | $68,526,000 | 5,714 |
| Average equity | $9,062,000 | 5,304 |
| Average total loans | $56,778,000 | 5,141 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3146% | 3,056 |
| Cost of funding earning assets | 1.8212% | 1,092 |
| Net interest margin | 3.4934% | 5,270 |
| Noninterest income to average assets | 0.9074% | 1,832 |
| Noninterest expense to average assets | 3.0250% | 3,754 |
| Loan and lease loss provision to assets | 0.5669% | 2,859 |
| Net operating income to assets | 0.3417% | 4,784 |
| Return on assets (ROA) | 0.3417% | 4,943 |
| Pretax return on assets | 0.3495% | 5,082 |
| Return on Equity (ROE) | 3.1946% | 4,872 |
| Retained earnings to average equity (ytd only) | 3.1946% | 3,631 |
| Net charge-offs to loans | 0.1917% | 5,152 |
| Credit loss provision to net charge-offs | 361.9835% | 704 |
| Earnings coverage of net charge-offs (x) | 5.8512% | 2,515 |
| Efficiency ratio | 76.7488% | 2,915 |
| Assets per employee ($millions) | 3.6710% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6928% | 1,181 |
| Loan loss allowance to noncurrent loans | 35.8360% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 6.3360% | 901 |
| Noncurrent loans to loans | 7.5143% | 721 |
| Net loans and leases to total assets | 69.6215% | 2,629 |
| Net loans and leases to deposits | 85.2208% | 2,235 |
| Net loans and leases to core deposits | 96.4757% | 1,943 |
| Total domestic deposits to total assets | 81.6954% | 5,293 |
| Equity capital to assets | 11.2802% | 2,429 |
| Core capital (leverage) ratio | 11.3805% | 1,904 |
| Tier 1 risk-based capital ratio | 15.1661% | 3,164 |
| Total risk-based capital ratio | 16.4147% | 3,106 |
| Memoranda: |
| Average total assets | $77,256,000 | 5,670 |
| Average earning assets | $67,097,800 | 5,765 |
| Average equity | $8,264,000 | 5,632 |
| Average total loans | $63,107,600 | 4,948 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5060% | 2,410 |
| Cost of funding earning assets | 1.8627% | 1,156 |
| Net interest margin | 3.6434% | 4,662 |
| Noninterest income to average assets | 0.7105% | 2,760 |
| Noninterest expense to average assets | 2.9763% | 3,833 |
| Loan and lease loss provision to assets | 0.2758% | 4,379 |
| Net operating income to assets | 0.6145% | 3,818 |
| Return on assets (ROA) | 0.6145% | 3,990 |
| Pretax return on assets | 0.6406% | 4,453 |
| Return on Equity (ROE) | 5.8283% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.8283% | 2,463 |
| Net charge-offs to loans | 0.2524% | 4,432 |
| Credit loss provision to net charge-offs | 129.5082% | 3,123 |
| Earnings coverage of net charge-offs (x) | 4.3033% | 3,109 |
| Efficiency ratio | 76.4574% | 2,865 |
| Assets per employee ($millions) | 3.6963% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0524% | 2,095 |
| Loan loss allowance to noncurrent loans | 47.8065% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 4.2256% | 1,621 |
| Noncurrent loans to loans | 4.2932% | 1,696 |
| Net loans and leases to total assets | 78.3876% | 972 |
| Net loans and leases to deposits | 96.9518% | 890 |
| Net loans and leases to core deposits | 110.4865% | 1,011 |
| Total domestic deposits to total assets | 80.8521% | 5,429 |
| Equity capital to assets | 11.8497% | 2,250 |
| Core capital (leverage) ratio | 11.4258% | 1,985 |
| Tier 1 risk-based capital ratio | 14.3683% | 3,584 |
| Total risk-based capital ratio | 15.6273% | 3,549 |
| Memoranda: |
| Average total assets | $76,379,750 | 5,757 |
| Average earning assets | $66,713,000 | 5,844 |
| Average equity | $8,052,500 | 5,770 |
| Average total loans | $64,438,750 | 4,962 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6558% | 1,922 |
| Cost of funding earning assets | 1.8713% | 1,336 |
| Net interest margin | 3.7845% | 3,959 |
| Noninterest income to average assets | 0.5871% | 3,432 |
| Noninterest expense to average assets | 2.9303% | 3,960 |
| Loan and lease loss provision to assets | 0.1369% | 5,522 |
| Net operating income to assets | 0.8030% | 2,959 |
| Return on assets (ROA) | 0.8030% | 3,098 |
| Pretax return on assets | 0.8425% | 3,735 |
| Return on Equity (ROE) | 7.9524% | 2,902 |
| Retained earnings to average equity (ytd only) | 7.9524% | 1,457 |
| Net charge-offs to loans | 0.3772% | 3,474 |
| Credit loss provision to net charge-offs | 42.2764% | 5,568 |
| Earnings coverage of net charge-offs (x) | 3.0244% | 3,486 |
| Efficiency ratio | 74.9495% | 3,274 |
| Assets per employee ($millions) | 3.5251% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8675% | 2,516 |
| Loan loss allowance to noncurrent loans | 56.5007% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 3.4725% | 2,025 |
| Noncurrent loans to loans | 3.3052% | 2,423 |
| Net loans and leases to total assets | 79.2091% | 916 |
| Net loans and leases to deposits | 102.8858% | 540 |
| Net loans and leases to core deposits | 117.7229% | 777 |
| Total domestic deposits to total assets | 76.9874% | 6,508 |
| Equity capital to assets | 11.7997% | 2,220 |
| Core capital (leverage) ratio | 11.8733% | 1,718 |
| Tier 1 risk-based capital ratio | 14.1634% | 3,621 |
| Total risk-based capital ratio | 15.4125% | 3,586 |
| Memoranda: |
| Average total assets | $75,965,670 | 5,803 |
| Average earning assets | $66,692,670 | 5,878 |
| Average equity | $7,670,670 | 5,907 |
| Average total loans | $65,211,330 | 4,970 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5310% | 2,452 |
| Cost of funding earning assets | 1.8319% | 1,738 |
| Net interest margin | 3.6991% | 4,248 |
| Noninterest income to average assets | 0.5587% | 3,579 |
| Noninterest expense to average assets | 2.8255% | 4,390 |
| Loan and lease loss provision to assets | 0.1383% | 5,173 |
| Net operating income to assets | 0.8993% | 2,546 |
| Return on assets (ROA) | 0.8993% | 2,619 |
| Pretax return on assets | 0.9472% | 3,275 |
| Return on Equity (ROE) | 9.7540% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.7540% | 1,197 |
| Net charge-offs to loans | -0.2826% | 7,729 |
| Credit loss provision to net charge-offs | -55.3191% | 6,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2925% | 4,072 |
| Assets per employee ($millions) | 3.5149% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9696% | 2,265 |
| Loan loss allowance to noncurrent loans | 40.9488% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 4.1434% | 1,648 |
| Noncurrent loans to loans | 4.8098% | 1,526 |
| Net loans and leases to total assets | 84.4481% | 335 |
| Net loans and leases to deposits | 105.8911% | 426 |
| Net loans and leases to core deposits | 122.8497% | 677 |
| Total domestic deposits to total assets | 79.7499% | 5,871 |
| Equity capital to assets | 9.0717% | 5,171 |
| Core capital (leverage) ratio | 9.3424% | 3,985 |
| Tier 1 risk-based capital ratio | 10.7490% | 6,390 |
| Total risk-based capital ratio | 12.0070% | 6,370 |
| Memoranda: |
| Average total assets | $75,172,000 | 5,900 |
| Average earning assets | $68,124,500 | 5,901 |
| Average equity | $6,930,500 | 6,211 |
| Average total loans | $66,518,000 | 4,984 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6895% | 3,157 |
| Cost of funding earning assets | 2.0972% | 2,471 |
| Net interest margin | 3.5923% | 4,579 |
| Noninterest income to average assets | 0.7127% | 2,882 |
| Noninterest expense to average assets | 3.2071% | 3,354 |
| Loan and lease loss provision to assets | 2.2040% | 943 |
| Net operating income to assets | -1.4296% | 6,825 |
| Return on assets (ROA) | -1.4296% | 6,825 |
| Pretax return on assets | -1.4422% | 6,665 |
| Return on Equity (ROE) | -15.9658% | 6,987 |
| Retained earnings to average equity (ytd only) | -20.9169% | 7,137 |
| Net charge-offs to loans | 1.1037% | 2,217 |
| Credit loss provision to net charge-offs | 228.3430% | 1,620 |
| Earnings coverage of net charge-offs (x) | 0.7892% | 5,318 |
| Efficiency ratio | 79.2506% | 2,999 |
| Assets per employee ($millions) | 3.0423% | 6,117 |
| Cash dividends to net income (ytd only)* | -31.0108% | 7,753 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8653% | 2,357 |
| Loan loss allowance to noncurrent loans | 42.5335% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 3.9895% | 1,654 |
| Noncurrent loans to loans | 4.3856% | 1,634 |
| Net loans and leases to total assets | 89.2722% | 120 |
| Net loans and leases to deposits | 113.3420% | 280 |
| Net loans and leases to core deposits | 149.8081% | 511 |
| Total domestic deposits to total assets | 78.7636% | 6,041 |
| Equity capital to assets | 9.3760% | 4,597 |
| Core capital (leverage) ratio | 9.2507% | 4,056 |
| Tier 1 risk-based capital ratio | 10.5713% | 6,320 |
| Total risk-based capital ratio | 11.8391% | 6,288 |
| Memoranda: |
| Average total assets | $71,280,200 | 5,962 |
| Average earning assets | $64,610,800 | 5,972 |
| Average equity | $6,382,400 | 6,468 |
| Average total loans | $62,336,600 | 5,159 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6975% | 3,351 |
| Cost of funding earning assets | 2.1384% | 2,715 |
| Net interest margin | 3.5591% | 4,641 |
| Noninterest income to average assets | 0.7622% | 2,635 |
| Noninterest expense to average assets | 3.2407% | 3,153 |
| Loan and lease loss provision to assets | 2.3205% | 734 |
| Net operating income to assets | -1.5940% | 7,156 |
| Return on assets (ROA) | -1.5940% | 7,150 |
| Pretax return on assets | -1.5696% | 7,000 |
| Return on Equity (ROE) | -18.0214% | 7,306 |
| Retained earnings to average equity (ytd only) | -20.6809% | 7,364 |
| Net charge-offs to loans | 0.8720% | 2,225 |
| Credit loss provision to net charge-offs | 307.4813% | 1,344 |
| Earnings coverage of net charge-offs (x) | 0.9950% | 5,058 |
| Efficiency ratio | 79.6322% | 2,911 |
| Assets per employee ($millions) | 3.0220% | 6,102 |
| Cash dividends to net income (ytd only)* | -14.7577% | 7,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8471% | 2,160 |
| Loan loss allowance to noncurrent loans | 41.4226% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 3.9709% | 1,617 |
| Noncurrent loans to loans | 4.4592% | 1,574 |
| Net loans and leases to total assets | 87.0395% | 270 |
| Net loans and leases to deposits | 111.4155% | 417 |
| Net loans and leases to core deposits | 141.3461% | 860 |
| Total domestic deposits to total assets | 78.1216% | 6,050 |
| Equity capital to assets | 9.9396% | 4,162 |
| Core capital (leverage) ratio | 10.0736% | 3,208 |
| Tier 1 risk-based capital ratio | 11.2197% | 5,723 |
| Total risk-based capital ratio | 12.4679% | 5,681 |
| Memoranda: |
| Average total assets | $70,846,250 | 6,018 |
| Average earning assets | $64,283,750 | 6,026 |
| Average equity | $6,266,500 | 6,567 |
| Average total loans | $61,315,250 | 5,230 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6896% | 3,601 |
| Cost of funding earning assets | 2.1977% | 2,804 |
| Net interest margin | 3.4919% | 4,839 |
| Noninterest income to average assets | 0.8565% | 2,156 |
| Noninterest expense to average assets | 3.0419% | 3,909 |
| Loan and lease loss provision to assets | 2.6463% | 580 |
| Net operating income to assets | -1.7045% | 7,326 |
| Return on assets (ROA) | -1.7045% | 7,324 |
| Pretax return on assets | -1.6533% | 7,149 |
| Return on Equity (ROE) | -20.1266% | 7,507 |
| Retained earnings to average equity (ytd only) | -24.3266% | 7,580 |
| Net charge-offs to loans | 0.9450% | 1,836 |
| Credit loss provision to net charge-offs | 326.3158% | 1,431 |
| Earnings coverage of net charge-offs (x) | 1.2246% | 4,616 |
| Efficiency ratio | 73.8364% | 4,056 |
| Assets per employee ($millions) | 2.9583% | 6,242 |
| Cash dividends to net income (ytd only)* | -20.8681% | 7,938 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6564% | 2,498 |
| Loan loss allowance to noncurrent loans | 37.7309% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 3.8621% | 1,565 |
| Noncurrent loans to loans | 4.3899% | 1,476 |
| Net loans and leases to total assets | 83.7108% | 680 |
| Net loans and leases to deposits | 104.5399% | 871 |
| Net loans and leases to core deposits | 130.6995% | 1,506 |
| Total domestic deposits to total assets | 80.0755% | 5,445 |
| Equity capital to assets | 7.6861% | 7,093 |
| Core capital (leverage) ratio | 7.9047% | 6,485 |
| Tier 1 risk-based capital ratio | 8.8480% | 7,773 |
| Total risk-based capital ratio | 10.1030% | 7,808 |
| Memoranda: |
| Average total assets | $70,285,670 | 6,072 |
| Average earning assets | $63,976,330 | 6,080 |
| Average equity | $5,952,330 | 6,738 |
| Average total loans | $60,315,000 | 5,313 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9626% | 2,510 |
| Cost of funding earning assets | 2.3332% | 2,565 |
| Net interest margin | 3.6294% | 4,190 |
| Noninterest income to average assets | 0.8752% | 1,959 |
| Noninterest expense to average assets | 3.0545% | 3,541 |
| Loan and lease loss provision to assets | 0.8466% | 1,536 |
| Net operating income to assets | 0.2174% | 5,607 |
| Return on assets (ROA) | 0.2174% | 5,767 |
| Pretax return on assets | 0.2574% | 5,791 |
| Return on Equity (ROE) | 2.4516% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.4516% | 4,512 |
| Net charge-offs to loans | 0.5775% | 2,021 |
| Credit loss provision to net charge-offs | 170.1149% | 2,522 |
| Earnings coverage of net charge-offs (x) | 2.2184% | 3,632 |
| Efficiency ratio | 71.8019% | 4,222 |
| Assets per employee ($millions) | 3.1745% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6935% | 7,453 |
| Loan loss allowance to noncurrent loans | 27.9866% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 2.2838% | 2,512 |
| Noncurrent loans to loans | 2.4779% | 2,654 |
| Net loans and leases to total assets | 85.5011% | 499 |
| Net loans and leases to deposits | 108.6499% | 692 |
| Net loans and leases to core deposits | 134.3488% | 1,398 |
| Total domestic deposits to total assets | 78.6942% | 5,825 |
| Equity capital to assets | 8.9046% | 5,467 |
| Core capital (leverage) ratio | 9.0038% | 4,707 |
| Tier 1 risk-based capital ratio | 10.0251% | 6,891 |
| Total risk-based capital ratio | 10.6974% | 7,423 |
| Memoranda: |
| Average total assets | $69,929,500 | 6,118 |
| Average earning assets | $63,261,500 | 6,136 |
| Average equity | $6,200,000 | 6,690 |
| Average total loans | $60,255,500 | 5,352 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7429% | 1,892 |
| Cost of funding earning assets | 2.6957% | 3,174 |
| Net interest margin | 4.0472% | 2,921 |
| Noninterest income to average assets | 0.6670% | 3,360 |
| Noninterest expense to average assets | 3.1276% | 3,595 |
| Loan and lease loss provision to assets | 0.0907% | 6,248 |
| Net operating income to assets | 0.9535% | 2,773 |
| Return on assets (ROA) | 0.9535% | 2,638 |
| Pretax return on assets | 1.0652% | 3,158 |
| Return on Equity (ROE) | 10.9692% | 1,919 |
| Retained earnings to average equity (ytd only) | 8.6785% | 660 |
| Net charge-offs to loans | -0.0019% | 7,741 |
| Credit loss provision to net charge-offs | -5,600.0000% | 7,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3908% | 4,054 |
| Assets per employee ($millions) | 3.0443% | 5,946 |
| Cash dividends to net income (ytd only)* | 20.8829% | 4,414 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5896% | 7,695 |
| Loan loss allowance to noncurrent loans | 47.0277% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 4,132 |
| Noncurrent loans to loans | 1.2537% | 4,005 |
| Net loans and leases to total assets | 85.7253% | 637 |
| Net loans and leases to deposits | 109.8013% | 848 |
| Net loans and leases to core deposits | 139.9781% | 1,270 |
| Total domestic deposits to total assets | 78.0731% | 5,692 |
| Equity capital to assets | 8.8276% | 5,609 |
| Core capital (leverage) ratio | 9.6632% | 3,812 |
| Tier 1 risk-based capital ratio | 10.0722% | 6,659 |
| Total risk-based capital ratio | 10.6523% | 7,331 |
| Memoranda: |
| Average total assets | $61,772,200 | 6,330 |
| Average earning assets | $55,198,600 | 6,362 |
| Average equity | $5,369,600 | 7,025 |
| Average total loans | $52,232,800 | 5,610 |
