| 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 | 5.0187% | 2,037 |
| Cost of funding earning assets | 1.1868% | 2,833 |
| Net interest margin | 3.8320% | 1,509 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.7489% | 1,632 |
| Loan and lease loss provision to assets | 0.9800% | 73 |
| Net operating income to assets | 0.0171% | 4,316 |
| Return on assets (ROA) | 0.0171% | 4,342 |
| Pretax return on assets | 0.0171% | 4,326 |
| Return on Equity (ROE) | 0.1800% | 4,327 |
| Retained earnings to average equity (ytd only) | -6.4585% | 4,421 |
| Net charge-offs to loans | 1.6411% | 53 |
| Credit loss provision to net charge-offs | 74.8547% | 2,055 |
| Earnings coverage of net charge-offs (x) | 0.7616% | 2,796 |
| Efficiency ratio | 73.4235% | 1,515 |
| Assets per employee ($millions) | 6.6161% | 2,332 |
| Cash dividends to net income (ytd only)* | 3,622.2222% | 1 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8225% | 3,910 |
| Loan loss allowance to noncurrent loans | 2,442.2222% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 3,503 |
| Noncurrent loans to loans | 0.0337% | 3,490 |
| Net loans and leases to total assets | 80.1100% | 631 |
| Net loans and leases to deposits | 117.3162% | 103 |
| Net loans and leases to core deposits | 132.3839% | 370 |
| Total domestic deposits to total assets | 68.2900% | 4,338 |
| Equity capital to assets | 9.2278% | 2,523 |
| Core capital (leverage) ratio | 8.8068% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5142% | 2,873 |
| Memoranda: |
| Average total assets | $157,989,800 | 3,295 |
| Average earning assets | $146,112,200 | 3,284 |
| Average equity | $14,724,800 | 3,291 |
| Average total loans | $125,766,800 | 2,892 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9560% | 1,932 |
| Cost of funding earning assets | 1.0528% | 2,880 |
| Net interest margin | 3.9033% | 1,391 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 2.7514% | 1,537 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.8615% | 2,823 |
| Return on assets (ROA) | 0.8992% | 2,666 |
| Pretax return on assets | 0.9351% | 3,019 |
| Return on Equity (ROE) | 9.6200% | 2,759 |
| Retained earnings to average equity (ytd only) | 0.6854% | 4,013 |
| Net charge-offs to loans | 0.0905% | 846 |
| Credit loss provision to net charge-offs | 172.6190% | 1,222 |
| Earnings coverage of net charge-offs (x) | 14.2143% | 2,003 |
| Efficiency ratio | 72.9620% | 1,453 |
| Assets per employee ($millions) | 6.0687% | 2,692 |
| Cash dividends to net income (ytd only)* | 92.8775% | 293 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3193% | 1,778 |
| Loan loss allowance to noncurrent loans | 70.3983% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.5116% | 245 |
| Noncurrent loans to loans | 1.8740% | 338 |
| Net loans and leases to total assets | 79.6000% | 693 |
| Net loans and leases to deposits | 111.3960% | 181 |
| Net loans and leases to core deposits | 124.3037% | 450 |
| Total domestic deposits to total assets | 71.4500% | 4,272 |
| Equity capital to assets | 9.1618% | 2,319 |
| Core capital (leverage) ratio | 8.7058% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9599% | 2,826 |
| Memoranda: |
| Average total assets | $156,136,750 | 3,317 |
| Average earning assets | $144,251,500 | 3,309 |
| Average equity | $14,590,250 | 3,300 |
| Average total loans | $123,806,000 | 2,915 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8201% | 1,953 |
| Cost of funding earning assets | 0.8300% | 3,130 |
| Net interest margin | 3.9900% | 1,262 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.7573% | 1,503 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.9885% | 2,460 |
| Return on assets (ROA) | 0.9885% | 2,446 |
| Pretax return on assets | 1.0284% | 2,833 |
| Return on Equity (ROE) | 10.5100% | 2,553 |
| Retained earnings to average equity (ytd only) | 2.4872% | 3,605 |
| Net charge-offs to loans | 0.1370% | 551 |
| Credit loss provision to net charge-offs | 53.5714% | 1,655 |
| Earnings coverage of net charge-offs (x) | 10.0595% | 2,002 |
| Efficiency ratio | 71.7391% | 1,586 |
| Assets per employee ($millions) | 6.2863% | 2,478 |
| Cash dividends to net income (ytd only)* | 76.3329% | 623 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2660% | 2,093 |
| Loan loss allowance to noncurrent loans | 66.9351% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.5010% | 236 |
| Noncurrent loans to loans | 1.8915% | 307 |
| Net loans and leases to total assets | 78.3500% | 798 |
| Net loans and leases to deposits | 109.8680% | 207 |
| Net loans and leases to core deposits | 111.2095% | 775 |
| Total domestic deposits to total assets | 71.3200% | 4,316 |
| Equity capital to assets | 9.4325% | 2,213 |
| Core capital (leverage) ratio | 8.8703% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1776% | 2,823 |
| Memoranda: |
| Average total assets | $155,587,333 | 3,341 |
| Average earning assets | $143,607,333 | 3,327 |
| Average equity | $14,635,000 | 3,307 |
| Average total loans | $122,652,000 | 2,917 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7458% | 1,747 |
| Cost of funding earning assets | 0.5901% | 3,407 |
| Net interest margin | 4.1557% | 1,008 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.8087% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1395% | 2,101 |
| Return on assets (ROA) | 1.1395% | 2,067 |
| Pretax return on assets | 1.1860% | 2,459 |
| Return on Equity (ROE) | 12.1300% | 2,184 |
| Retained earnings to average equity (ytd only) | -3.9063% | 4,283 |
| Net charge-offs to loans | -0.0033% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.3105% | 1,718 |
| Assets per employee ($millions) | 6.1450% | 2,638 |
| Cash dividends to net income (ytd only)* | 132.1995% | 285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3386% | 1,865 |
| Loan loss allowance to noncurrent loans | 461.2536% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 1,977 |
| Noncurrent loans to loans | 0.2902% | 2,102 |
| Net loans and leases to total assets | 77.6800% | 801 |
| Net loans and leases to deposits | 102.8104% | 336 |
| Net loans and leases to core deposits | 104.5332% | 895 |
| Total domestic deposits to total assets | 75.5500% | 4,187 |
| Equity capital to assets | 9.5205% | 2,126 |
| Core capital (leverage) ratio | 8.7314% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3256% | 2,897 |
| Memoranda: |
| Average total assets | $154,802,000 | 3,379 |
| Average earning assets | $143,031,500 | 3,375 |
| Average equity | $14,540,500 | 3,347 |
| Average total loans | $121,618,500 | 2,959 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2308% | 1,192 |
| Cost of funding earning assets | 0.3731% | 2,305 |
| Net interest margin | 3.8577% | 1,052 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.7106% | 1,527 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0046% | 2,549 |
| Return on assets (ROA) | 0.9976% | 2,525 |
| Pretax return on assets | 1.0380% | 2,948 |
| Return on Equity (ROE) | 10.3500% | 2,696 |
| Retained earnings to average equity (ytd only) | 4.5911% | 3,209 |
| Net charge-offs to loans | -0.0044% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.9789% | 1,447 |
| Assets per employee ($millions) | 5.9992% | 2,765 |
| Cash dividends to net income (ytd only)* | 55.6441% | 1,140 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3231% | 1,791 |
| Loan loss allowance to noncurrent loans | 7,034.7826% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 3,715 |
| Noncurrent loans to loans | 0.0188% | 3,683 |
| Net loans and leases to total assets | 77.3600% | 858 |
| Net loans and leases to deposits | 99.1561% | 473 |
| Net loans and leases to core deposits | 101.8046% | 907 |
| Total domestic deposits to total assets | 78.0200% | 4,089 |
| Equity capital to assets | 9.2673% | 2,186 |
| Core capital (leverage) ratio | 8.9974% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4876% | 2,866 |
| Memoranda: |
| Average total assets | $150,960,600 | 3,433 |
| Average earning assets | $140,447,200 | 3,415 |
| Average equity | $14,549,800 | 3,410 |
| Average total loans | $113,994,600 | 2,990 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0955% | 1,082 |
| Cost of funding earning assets | 0.3547% | 1,664 |
| Net interest margin | 3.7408% | 1,050 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.7181% | 1,431 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8766% | 2,975 |
| Return on assets (ROA) | 0.8621% | 3,002 |
| Pretax return on assets | 0.8968% | 3,326 |
| Return on Equity (ROE) | 8.8600% | 3,075 |
| Retained earnings to average equity (ytd only) | 1.1893% | 4,187 |
| Net charge-offs to loans | -0.0048% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.6028% | 1,220 |
| Assets per employee ($millions) | 5.8296% | 2,907 |
| Cash dividends to net income (ytd only)* | 86.5702% | 329 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3628% | 1,749 |
| Loan loss allowance to noncurrent loans | 6,737.5000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,808 |
| Noncurrent loans to loans | 0.0202% | 3,771 |
| Net loans and leases to total assets | 77.2100% | 781 |
| Net loans and leases to deposits | 94.1749% | 632 |
| Net loans and leases to core deposits | 96.6329% | 972 |
| Total domestic deposits to total assets | 81.9900% | 3,844 |
| Equity capital to assets | 9.0500% | 2,178 |
| Core capital (leverage) ratio | 8.5609% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7585% | 3,076 |
| Memoranda: |
| Average total assets | $149,706,250 | 3,471 |
| Average earning assets | $139,467,500 | 3,450 |
| Average equity | $14,573,500 | 3,458 |
| Average total loans | $111,921,750 | 3,022 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8928% | 1,124 |
| Cost of funding earning assets | 0.3650% | 1,154 |
| Net interest margin | 3.5278% | 1,241 |
| Noninterest income to average assets | 0.1650% | 4,185 |
| Noninterest expense to average assets | 2.6911% | 1,412 |
| Loan and lease loss provision to assets | 0.0201% | 2,239 |
| Net operating income to assets | 0.7180% | 3,247 |
| Return on assets (ROA) | 0.6922% | 3,287 |
| Pretax return on assets | 0.7204% | 3,525 |
| Return on Equity (ROE) | 6.9453% | 3,328 |
| Retained earnings to average equity (ytd only) | 1.3864% | 3,905 |
| Net charge-offs to loans | -0.0128% | 3,688 |
| Credit loss provision to net charge-offs | -214.2857% | 3,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8123% | 1,099 |
| Assets per employee ($millions) | 6.2237% | 2,547 |
| Cash dividends to net income (ytd only)* | 80.0388% | 598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4423% | 1,585 |
| Loan loss allowance to noncurrent loans | 6,480.0000% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,857 |
| Noncurrent loans to loans | 0.0223% | 3,794 |
| Net loans and leases to total assets | 71.1472% | 1,191 |
| Net loans and leases to deposits | 83.0520% | 1,176 |
| Net loans and leases to core deposits | 85.7349% | 1,359 |
| Total domestic deposits to total assets | 85.6658% | 3,334 |
| Equity capital to assets | 9.2832% | 2,177 |
| Core capital (leverage) ratio | 8.4783% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7306% | 2,876 |
| Memoranda: |
| Average total assets | $149,085,333 | 3,510 |
| Average earning assets | $139,180,667 | 3,500 |
| Average equity | $14,859,000 | 3,510 |
| Average total loans | $109,678,667 | 3,067 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7605% | 1,160 |
| Cost of funding earning assets | 0.3834% | 966 |
| Net interest margin | 3.3771% | 1,359 |
| Noninterest income to average assets | 0.1591% | 4,203 |
| Noninterest expense to average assets | 2.7840% | 1,193 |
| Loan and lease loss provision to assets | 0.0411% | 1,614 |
| Net operating income to assets | 0.4800% | 3,761 |
| Return on assets (ROA) | 0.4800% | 3,728 |
| Pretax return on assets | 0.4992% | 3,872 |
| Return on Equity (ROE) | 4.6461% | 3,715 |
| Retained earnings to average equity (ytd only) | -5.7877% | 4,448 |
| Net charge-offs to loans | -0.0037% | 3,256 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7459% | 867 |
| Assets per employee ($millions) | 5.7158% | 3,100 |
| Cash dividends to net income (ytd only)* | 224.5714% | 170 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4793% | 1,624 |
| Loan loss allowance to noncurrent loans | 6,207.6923% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,881 |
| Noncurrent loans to loans | 0.0238% | 3,821 |
| Net loans and leases to total assets | 72.3327% | 805 |
| Net loans and leases to deposits | 85.0859% | 799 |
| Net loans and leases to core deposits | 87.6980% | 1,040 |
| Total domestic deposits to total assets | 85.0113% | 3,535 |
| Equity capital to assets | 9.8256% | 2,033 |
| Core capital (leverage) ratio | 8.5664% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5758% | 2,968 |
| Memoranda: |
| Average total assets | $145,831,500 | 3,557 |
| Average earning assets | $136,684,500 | 3,541 |
| Average equity | $15,066,500 | 3,557 |
| Average total loans | $108,358,000 | 3,082 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5184% | 591 |
| Cost of funding earning assets | 0.4633% | 1,106 |
| Net interest margin | 4.0551% | 636 |
| Noninterest income to average assets | 0.1495% | 4,402 |
| Noninterest expense to average assets | 2.6973% | 1,640 |
| Loan and lease loss provision to assets | 0.0421% | 2,208 |
| Net operating income to assets | 1.1358% | 2,158 |
| Return on assets (ROA) | 1.1998% | 1,973 |
| Pretax return on assets | 1.2497% | 2,523 |
| Return on Equity (ROE) | 11.0503% | 2,148 |
| Retained earnings to average equity (ytd only) | 3.4076% | 3,455 |
| Net charge-offs to loans | -0.0010% | 3,279 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7668% | 1,887 |
| Assets per employee ($millions) | 5.5020% | 3,255 |
| Cash dividends to net income (ytd only)* | 69.1633% | 767 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4850% | 1,612 |
| Loan loss allowance to noncurrent loans | 5,326.6667% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 3,927 |
| Noncurrent loans to loans | 0.0279% | 3,874 |
| Net loans and leases to total assets | 74.1057% | 657 |
| Net loans and leases to deposits | 90.4537% | 548 |
| Net loans and leases to core deposits | 93.0810% | 820 |
| Total domestic deposits to total assets | 81.9267% | 3,979 |
| Equity capital to assets | 10.8570% | 1,896 |
| Core capital (leverage) ratio | 8.9065% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $142,437,800 | 3,561 |
| Average earning assets | $132,525,600 | 3,548 |
| Average equity | $15,465,600 | 3,590 |
| Average total loans | $104,283,200 | 3,146 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7616% | 434 |
| Cost of funding earning assets | 0.4776% | 1,171 |
| Net interest margin | 4.2840% | 466 |
| Noninterest income to average assets | 0.1424% | 4,486 |
| Noninterest expense to average assets | 2.6519% | 1,703 |
| Loan and lease loss provision to assets | 0.0422% | 2,151 |
| Net operating income to assets | 1.3681% | 1,636 |
| Return on assets (ROA) | 1.3681% | 1,690 |
| Pretax return on assets | 1.4243% | 2,236 |
| Return on Equity (ROE) | 12.6001% | 1,828 |
| Retained earnings to average equity (ytd only) | 2.6236% | 4,026 |
| Net charge-offs to loans | -0.0039% | 3,355 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3914% | 2,336 |
| Assets per employee ($millions) | 5.3614% | 3,339 |
| Cash dividends to net income (ytd only)* | 79.1781% | 408 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5846% | 1,374 |
| Loan loss allowance to noncurrent loans | 560.0707% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 2,817 |
| Noncurrent loans to loans | 0.2829% | 2,783 |
| Net loans and leases to total assets | 68.0020% | 1,324 |
| Net loans and leases to deposits | 82.9582% | 1,032 |
| Net loans and leases to core deposits | 86.5459% | 1,255 |
| Total domestic deposits to total assets | 81.9714% | 3,934 |
| Equity capital to assets | 10.6543% | 2,315 |
| Core capital (leverage) ratio | 8.8191% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $142,284,500 | 3,600 |
| Average earning assets | $132,054,500 | 3,594 |
| Average equity | $15,449,250 | 3,633 |
| Average total loans | $103,452,250 | 3,197 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2565% | 235 |
| Cost of funding earning assets | 0.4913% | 1,257 |
| Net interest margin | 4.7652% | 233 |
| Noninterest income to average assets | 0.1343% | 4,531 |
| Noninterest expense to average assets | 2.6707% | 1,661 |
| Loan and lease loss provision to assets | 0.0424% | 2,163 |
| Net operating income to assets | 1.7772% | 752 |
| Return on assets (ROA) | 1.7772% | 791 |
| Pretax return on assets | 1.8507% | 1,119 |
| Return on Equity (ROE) | 16.2634% | 906 |
| Retained earnings to average equity (ytd only) | 9.6002% | 1,528 |
| Net charge-offs to loans | -0.0038% | 3,348 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5192% | 3,211 |
| Assets per employee ($millions) | 5.2451% | 3,413 |
| Cash dividends to net income (ytd only)* | 40.9706% | 1,570 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5620% | 1,386 |
| Loan loss allowance to noncurrent loans | 539.1753% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 2,956 |
| Noncurrent loans to loans | 0.2897% | 2,888 |
| Net loans and leases to total assets | 67.3265% | 1,537 |
| Net loans and leases to deposits | 81.7219% | 1,257 |
| Net loans and leases to core deposits | 86.1335% | 1,406 |
| Total domestic deposits to total assets | 82.3848% | 3,843 |
| Equity capital to assets | 10.8095% | 2,140 |
| Core capital (leverage) ratio | 9.0472% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $141,459,667 | 3,616 |
| Average earning assets | $131,494,333 | 3,610 |
| Average equity | $15,458,000 | 3,637 |
| Average total loans | $104,595,000 | 3,198 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4337% | 205 |
| Cost of funding earning assets | 0.5263% | 1,227 |
| Net interest margin | 4.9074% | 207 |
| Noninterest income to average assets | 0.0980% | 4,695 |
| Noninterest expense to average assets | 2.7069% | 1,604 |
| Loan and lease loss provision to assets | 0.0432% | 2,201 |
| Net operating income to assets | 1.8420% | 730 |
| Return on assets (ROA) | 1.8420% | 781 |
| Pretax return on assets | 1.9170% | 1,087 |
| Return on Equity (ROE) | 16.7612% | 886 |
| Retained earnings to average equity (ytd only) | 3.5936% | 3,610 |
| Net charge-offs to loans | -0.0037% | 3,294 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9988% | 3,298 |
| Assets per employee ($millions) | 5.4071% | 3,216 |
| Cash dividends to net income (ytd only)* | 78.5603% | 601 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4541% | 1,755 |
| Loan loss allowance to noncurrent loans | 531.8493% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 3,158 |
| Noncurrent loans to loans | 0.2734% | 3,123 |
| Net loans and leases to total assets | 72.0904% | 1,011 |
| Net loans and leases to deposits | 88.6507% | 785 |
| Net loans and leases to core deposits | 94.0217% | 981 |
| Total domestic deposits to total assets | 81.3197% | 4,010 |
| Equity capital to assets | 10.4457% | 2,319 |
| Core capital (leverage) ratio | 9.0451% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $138,758,500 | 3,654 |
| Average earning assets | $129,193,500 | 3,641 |
| Average equity | $15,249,500 | 3,663 |
| Average total loans | $106,669,500 | 3,175 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7980% | 740 |
| Cost of funding earning assets | 0.7472% | 1,465 |
| Net interest margin | 4.0508% | 874 |
| Noninterest income to average assets | 0.1501% | 4,543 |
| Noninterest expense to average assets | 2.4466% | 3,004 |
| Loan and lease loss provision to assets | 0.2097% | 1,874 |
| Net operating income to assets | 1.2210% | 1,473 |
| Return on assets (ROA) | 1.2210% | 1,590 |
| Pretax return on assets | 1.2678% | 2,090 |
| Return on Equity (ROE) | 10.9277% | 1,658 |
| Retained earnings to average equity (ytd only) | 2.9496% | 3,391 |
| Net charge-offs to loans | 0.1153% | 1,329 |
| Credit loss provision to net charge-offs | 220.6349% | 2,063 |
| Earnings coverage of net charge-offs (x) | 15.5476% | 2,168 |
| Efficiency ratio | 62.0796% | 3,117 |
| Assets per employee ($millions) | 4.6973% | 3,720 |
| Cash dividends to net income (ytd only)* | 73.0080% | 854 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4427% | 1,806 |
| Loan loss allowance to noncurrent loans | 1,384.6847% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 3,907 |
| Noncurrent loans to loans | 0.1042% | 3,876 |
| Net loans and leases to total assets | 79.8349% | 441 |
| Net loans and leases to deposits | 102.6543% | 296 |
| Net loans and leases to core deposits | 109.0318% | 543 |
| Total domestic deposits to total assets | 77.7706% | 4,342 |
| Equity capital to assets | 11.5941% | 1,814 |
| Core capital (leverage) ratio | 9.3496% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $132,593,200 | 3,599 |
| Average earning assets | $123,531,600 | 3,589 |
| Average equity | $14,815,600 | 3,668 |
| Average total loans | $109,317,200 | 3,102 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7404% | 983 |
| Cost of funding earning assets | 0.7926% | 1,537 |
| Net interest margin | 3.9478% | 1,242 |
| Noninterest income to average assets | 0.3071% | 3,652 |
| Noninterest expense to average assets | 2.4667% | 2,944 |
| Loan and lease loss provision to assets | 0.2491% | 1,623 |
| Net operating income to assets | 1.2283% | 1,555 |
| Return on assets (ROA) | 1.2283% | 1,674 |
| Pretax return on assets | 1.2755% | 2,138 |
| Return on Equity (ROE) | 11.0963% | 1,650 |
| Retained earnings to average equity (ytd only) | 0.6618% | 4,346 |
| Net charge-offs to loans | -0.0048% | 4,044 |
| Credit loss provision to net charge-offs | -6,200.0000% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5288% | 3,146 |
| Assets per employee ($millions) | 4.9286% | 3,342 |
| Cash dividends to net income (ytd only)* | 94.0359% | 376 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4714% | 1,468 |
| Loan loss allowance to noncurrent loans | 1,461.6071% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 4,012 |
| Noncurrent loans to loans | 0.1007% | 3,968 |
| Net loans and leases to total assets | 82.3728% | 411 |
| Net loans and leases to deposits | 105.6010% | 335 |
| Net loans and leases to core deposits | 117.7021% | 464 |
| Total domestic deposits to total assets | 78.0038% | 4,203 |
| Equity capital to assets | 11.2021% | 2,227 |
| Core capital (leverage) ratio | 9.1218% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $132,860,500 | 3,577 |
| Average earning assets | $123,980,000 | 3,563 |
| Average equity | $14,707,250 | 3,684 |
| Average total loans | $110,011,750 | 3,108 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7887% | 1,198 |
| Cost of funding earning assets | 0.8573% | 1,564 |
| Net interest margin | 3.9314% | 1,495 |
| Noninterest income to average assets | 0.3765% | 3,221 |
| Noninterest expense to average assets | 2.4806% | 3,020 |
| Loan and lease loss provision to assets | 0.3133% | 1,374 |
| Net operating income to assets | 1.2064% | 1,622 |
| Return on assets (ROA) | 1.2064% | 1,750 |
| Pretax return on assets | 1.2501% | 2,183 |
| Return on Equity (ROE) | 10.9421% | 1,647 |
| Retained earnings to average equity (ytd only) | 2.8277% | 3,452 |
| Net charge-offs to loans | -0.0547% | 4,704 |
| Credit loss provision to net charge-offs | -693.3333% | 3,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0801% | 3,266 |
| Assets per employee ($millions) | 4.9841% | 3,186 |
| Cash dividends to net income (ytd only)* | 74.1573% | 853 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4425% | 1,441 |
| Loan loss allowance to noncurrent loans | 430.2387% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 3,203 |
| Noncurrent loans to loans | 0.3353% | 3,189 |
| Net loans and leases to total assets | 82.3497% | 389 |
| Net loans and leases to deposits | 108.3297% | 262 |
| Net loans and leases to core deposits | 120.9012% | 398 |
| Total domestic deposits to total assets | 76.0177% | 4,427 |
| Equity capital to assets | 11.1488% | 2,212 |
| Core capital (leverage) ratio | 8.9707% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $132,789,667 | 3,565 |
| Average earning assets | $123,874,667 | 3,549 |
| Average equity | $14,640,667 | 3,694 |
| Average total loans | $109,598,000 | 3,106 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7997% | 1,419 |
| Cost of funding earning assets | 0.8883% | 1,930 |
| Net interest margin | 3.9113% | 1,635 |
| Noninterest income to average assets | 0.1729% | 4,505 |
| Noninterest expense to average assets | 2.5808% | 3,042 |
| Loan and lease loss provision to assets | 0.0910% | 2,549 |
| Net operating income to assets | 1.1130% | 1,803 |
| Return on assets (ROA) | 1.1130% | 1,896 |
| Pretax return on assets | 1.1463% | 2,374 |
| Return on Equity (ROE) | 10.1525% | 1,696 |
| Retained earnings to average equity (ytd only) | -5.3114% | 4,544 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2756% | 2,777 |
| Assets per employee ($millions) | 4.9187% | 2,729 |
| Cash dividends to net income (ytd only)* | 152.3161% | 449 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2574% | 2,354 |
| Loan loss allowance to noncurrent loans | 382.4324% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 3,381 |
| Noncurrent loans to loans | 0.3288% | 3,314 |
| Net loans and leases to total assets | 80.6830% | 607 |
| Net loans and leases to deposits | 109.2648% | 199 |
| Net loans and leases to core deposits | 125.5511% | 339 |
| Total domestic deposits to total assets | 73.8417% | 4,672 |
| Equity capital to assets | 10.4768% | 3,346 |
| Core capital (leverage) ratio | 9.1126% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $131,899,500 | 3,563 |
| Average earning assets | $122,925,500 | 3,535 |
| Average equity | $14,459,500 | 3,722 |
| Average total loans | $108,177,000 | 3,107 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9145% | 1,713 |
| Cost of funding earning assets | 1.0003% | 1,721 |
| Net interest margin | 3.9142% | 2,123 |
| Noninterest income to average assets | 0.1996% | 4,465 |
| Noninterest expense to average assets | 2.5396% | 3,350 |
| Loan and lease loss provision to assets | 0.2285% | 843 |
| Net operating income to assets | 1.0420% | 2,688 |
| Return on assets (ROA) | 1.0420% | 2,782 |
| Pretax return on assets | 1.0710% | 3,258 |
| Return on Equity (ROE) | 9.6997% | 2,436 |
| Retained earnings to average equity (ytd only) | 2.4178% | 3,816 |
| Net charge-offs to loans | 0.0094% | 3,348 |
| Credit loss provision to net charge-offs | 3,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 170.6000% | 447 |
| Efficiency ratio | 65.7937% | 2,804 |
| Assets per employee ($millions) | 4.5027% | 3,215 |
| Cash dividends to net income (ytd only)* | 75.0731% | 948 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3340% | 1,775 |
| Loan loss allowance to noncurrent loans | 211.4504% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 2,343 |
| Noncurrent loans to loans | 0.6309% | 2,307 |
| Net loans and leases to total assets | 81.2486% | 647 |
| Net loans and leases to deposits | 107.4125% | 244 |
| Net loans and leases to core deposits | 118.2538% | 530 |
| Total domestic deposits to total assets | 75.6417% | 4,641 |
| Equity capital to assets | 11.4931% | 2,536 |
| Core capital (leverage) ratio | 9.3712% | 4,197 |
| Tier 1 risk-based capital ratio | 11.1608% | 4,796 |
| Total risk-based capital ratio | 12.4110% | 4,682 |
| Memoranda: |
| Average total assets | $131,283,000 | 3,550 |
| Average earning assets | $122,067,400 | 3,535 |
| Average equity | $14,103,600 | 3,738 |
| Average total loans | $105,915,200 | 3,147 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8801% | 1,873 |
| Cost of funding earning assets | 1.0149% | 1,702 |
| Net interest margin | 3.8651% | 2,385 |
| Noninterest income to average assets | 0.1981% | 4,532 |
| Noninterest expense to average assets | 2.5563% | 3,282 |
| Loan and lease loss provision to assets | 0.2263% | 756 |
| Net operating income to assets | 0.9805% | 3,049 |
| Return on assets (ROA) | 0.9805% | 3,127 |
| Pretax return on assets | 1.0117% | 3,554 |
| Return on Equity (ROE) | 9.2809% | 2,767 |
| Retained earnings to average equity (ytd only) | -0.1333% | 4,771 |
| Net charge-offs to loans | -0.0175% | 4,551 |
| Credit loss provision to net charge-offs | -1,607.1429% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0289% | 2,581 |
| Assets per employee ($millions) | 4.6173% | 3,021 |
| Cash dividends to net income (ytd only)* | 101.4354% | 302 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2676% | 2,132 |
| Loan loss allowance to noncurrent loans | 953.5714% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 4,169 |
| Noncurrent loans to loans | 0.1329% | 4,054 |
| Net loans and leases to total assets | 80.4328% | 790 |
| Net loans and leases to deposits | 103.3432% | 436 |
| Net loans and leases to core deposits | 118.5039% | 576 |
| Total domestic deposits to total assets | 77.8308% | 4,377 |
| Equity capital to assets | 10.9419% | 3,149 |
| Core capital (leverage) ratio | 9.0598% | 4,590 |
| Tier 1 risk-based capital ratio | 10.5945% | 5,050 |
| Total risk-based capital ratio | 11.8248% | 4,983 |
| Memoranda: |
| Average total assets | $132,584,750 | 3,565 |
| Average earning assets | $123,356,250 | 3,551 |
| Average equity | $14,007,000 | 3,782 |
| Average total loans | $106,439,000 | 3,174 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7878% | 2,099 |
| Cost of funding earning assets | 0.9986% | 1,699 |
| Net interest margin | 3.7892% | 2,613 |
| Noninterest income to average assets | 0.2094% | 4,485 |
| Noninterest expense to average assets | 2.5343% | 3,370 |
| Loan and lease loss provision to assets | 0.2244% | 733 |
| Net operating income to assets | 0.9575% | 3,070 |
| Return on assets (ROA) | 0.9575% | 3,143 |
| Pretax return on assets | 0.9874% | 3,591 |
| Return on Equity (ROE) | 9.1686% | 2,785 |
| Retained earnings to average equity (ytd only) | 2.5070% | 3,943 |
| Net charge-offs to loans | -0.0262% | 4,639 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2923% | 2,640 |
| Assets per employee ($millions) | 4.8140% | 2,725 |
| Cash dividends to net income (ytd only)* | 72.6563% | 1,020 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1672% | 2,681 |
| Loan loss allowance to noncurrent loans | 450.0000% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 3,711 |
| Noncurrent loans to loans | 0.2594% | 3,602 |
| Net loans and leases to total assets | 82.0810% | 600 |
| Net loans and leases to deposits | 105.8224% | 349 |
| Net loans and leases to core deposits | 127.3172% | 362 |
| Total domestic deposits to total assets | 77.5648% | 4,470 |
| Equity capital to assets | 11.0272% | 3,015 |
| Core capital (leverage) ratio | 9.1127% | 4,538 |
| Tier 1 risk-based capital ratio | 10.6705% | 5,044 |
| Total risk-based capital ratio | 11.8214% | 4,993 |
| Memoranda: |
| Average total assets | $133,685,330 | 3,576 |
| Average earning assets | $124,775,000 | 3,549 |
| Average equity | $13,960,670 | 3,795 |
| Average total loans | $106,811,670 | 3,185 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5833% | 2,590 |
| Cost of funding earning assets | 0.9299% | 1,884 |
| Net interest margin | 3.6534% | 3,064 |
| Noninterest income to average assets | 0.2390% | 4,291 |
| Noninterest expense to average assets | 2.6295% | 3,123 |
| Loan and lease loss provision to assets | 0.2213% | 702 |
| Net operating income to assets | 0.7850% | 3,669 |
| Return on assets (ROA) | 0.7850% | 3,716 |
| Pretax return on assets | 0.8086% | 4,018 |
| Return on Equity (ROE) | 7.7244% | 3,365 |
| Retained earnings to average equity (ytd only) | -5.6626% | 4,958 |
| Net charge-offs to loans | -0.0151% | 4,383 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5323% | 2,110 |
| Assets per employee ($millions) | 4.8080% | 2,780 |
| Cash dividends to net income (ytd only)* | 173.3083% | 257 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0990% | 3,134 |
| Loan loss allowance to noncurrent loans | 798.6395% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 4,242 |
| Noncurrent loans to loans | 0.1376% | 4,119 |
| Net loans and leases to total assets | 81.3829% | 657 |
| Net loans and leases to deposits | 109.9927% | 214 |
| Net loans and leases to core deposits | 124.0291% | 424 |
| Total domestic deposits to total assets | 73.9893% | 4,936 |
| Equity capital to assets | 10.6266% | 3,228 |
| Core capital (leverage) ratio | 8.7379% | 4,836 |
| Tier 1 risk-based capital ratio | 10.4676% | 5,185 |
| Total risk-based capital ratio | 11.5546% | 5,160 |
| Memoranda: |
| Average total assets | $135,538,500 | 3,587 |
| Average earning assets | $126,895,500 | 3,561 |
| Average equity | $13,774,500 | 3,834 |
| Average total loans | $106,243,500 | 3,221 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4862% | 2,498 |
| Cost of funding earning assets | 0.7927% | 1,560 |
| Net interest margin | 3.6935% | 3,055 |
| Noninterest income to average assets | 0.1789% | 4,830 |
| Noninterest expense to average assets | 2.6475% | 3,187 |
| Loan and lease loss provision to assets | 0.0898% | 2,345 |
| Net operating income to assets | 0.8648% | 3,557 |
| Return on assets (ROA) | 0.8648% | 3,553 |
| Pretax return on assets | 0.8917% | 3,919 |
| Return on Equity (ROE) | 8.5620% | 3,195 |
| Retained earnings to average equity (ytd only) | 1.7272% | 4,454 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6222% | 1,829 |
| Assets per employee ($millions) | 5.0450% | 2,441 |
| Cash dividends to net income (ytd only)* | 79.8268% | 716 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0363% | 3,466 |
| Loan loss allowance to noncurrent loans | 506.9444% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 4,062 |
| Noncurrent loans to loans | 0.2044% | 3,847 |
| Net loans and leases to total assets | 74.0261% | 1,929 |
| Net loans and leases to deposits | 96.9138% | 985 |
| Net loans and leases to core deposits | 113.2409% | 816 |
| Total domestic deposits to total assets | 76.3834% | 4,706 |
| Equity capital to assets | 9.7366% | 3,927 |
| Core capital (leverage) ratio | 8.4965% | 5,032 |
| Tier 1 risk-based capital ratio | 10.4904% | 5,183 |
| Total risk-based capital ratio | 11.4896% | 5,180 |
| Memoranda: |
| Average total assets | $133,558,600 | 3,598 |
| Average earning assets | $124,760,200 | 3,581 |
| Average equity | $13,489,800 | 3,819 |
| Average total loans | $105,935,800 | 3,203 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4880% | 2,348 |
| Cost of funding earning assets | 0.7464% | 1,602 |
| Net interest margin | 3.7416% | 2,859 |
| Noninterest income to average assets | 0.1580% | 4,988 |
| Noninterest expense to average assets | 2.7105% | 2,944 |
| Loan and lease loss provision to assets | 0.0912% | 2,154 |
| Net operating income to assets | 0.8225% | 3,834 |
| Return on assets (ROA) | 0.8225% | 3,846 |
| Pretax return on assets | 0.8498% | 4,168 |
| Return on Equity (ROE) | 8.0651% | 3,518 |
| Retained earnings to average equity (ytd only) | -0.7847% | 5,123 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8710% | 1,753 |
| Assets per employee ($millions) | 4.5142% | 3,102 |
| Cash dividends to net income (ytd only)* | 109.7290% | 190 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0052% | 3,720 |
| Loan loss allowance to noncurrent loans | 755.3191% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 4,451 |
| Noncurrent loans to loans | 0.1331% | 4,282 |
| Net loans and leases to total assets | 77.4473% | 1,425 |
| Net loans and leases to deposits | 103.1968% | 590 |
| Net loans and leases to core deposits | 121.8309% | 520 |
| Total domestic deposits to total assets | 75.0482% | 4,875 |
| Equity capital to assets | 9.7870% | 3,832 |
| Core capital (leverage) ratio | 8.5259% | 5,082 |
| Tier 1 risk-based capital ratio | 10.2640% | 5,307 |
| Total risk-based capital ratio | 11.2416% | 5,334 |
| Memoranda: |
| Average total assets | $131,633,000 | 3,664 |
| Average earning assets | $122,903,500 | 3,638 |
| Average equity | $13,423,750 | 3,860 |
| Average total loans | $106,003,500 | 3,232 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4513% | 2,253 |
| Cost of funding earning assets | 0.6638% | 1,846 |
| Net interest margin | 3.7875% | 2,605 |
| Noninterest income to average assets | 0.1780% | 4,932 |
| Noninterest expense to average assets | 2.7491% | 2,847 |
| Loan and lease loss provision to assets | 0.0920% | 2,085 |
| Net operating income to assets | 0.8438% | 3,706 |
| Return on assets (ROA) | 0.8438% | 3,706 |
| Pretax return on assets | 0.8729% | 4,047 |
| Return on Equity (ROE) | 8.1600% | 3,432 |
| Retained earnings to average equity (ytd only) | 1.9436% | 4,478 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6473% | 1,762 |
| Assets per employee ($millions) | 4.4833% | 3,149 |
| Cash dividends to net income (ytd only)* | 76.1818% | 807 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9762% | 3,978 |
| Loan loss allowance to noncurrent loans | 131.6794% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.7261% | 2,061 |
| Noncurrent loans to loans | 0.7414% | 2,254 |
| Net loans and leases to total assets | 80.7479% | 893 |
| Net loans and leases to deposits | 117.5734% | 137 |
| Net loans and leases to core deposits | 124.3026% | 452 |
| Total domestic deposits to total assets | 68.6787% | 5,321 |
| Equity capital to assets | 10.4133% | 3,196 |
| Core capital (leverage) ratio | 8.9804% | 4,707 |
| Tier 1 risk-based capital ratio | 10.6564% | 5,208 |
| Total risk-based capital ratio | 11.6250% | 5,228 |
| Memoranda: |
| Average total assets | $130,369,000 | 3,704 |
| Average earning assets | $121,717,000 | 3,674 |
| Average equity | $13,480,330 | 3,872 |
| Average total loans | $106,022,000 | 3,239 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3402% | 2,384 |
| Cost of funding earning assets | 0.5905% | 2,113 |
| Net interest margin | 3.7497% | 2,613 |
| Noninterest income to average assets | 0.2114% | 4,746 |
| Noninterest expense to average assets | 2.7730% | 2,792 |
| Loan and lease loss provision to assets | 0.0919% | 1,974 |
| Net operating income to assets | 0.8150% | 3,649 |
| Return on assets (ROA) | 0.8150% | 3,658 |
| Pretax return on assets | 0.8487% | 4,017 |
| Return on Equity (ROE) | 7.9102% | 3,415 |
| Retained earnings to average equity (ytd only) | -4.4606% | 5,175 |
| Net charge-offs to loans | 0.0038% | 2,605 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 224 |
| Efficiency ratio | 74.3399% | 1,849 |
| Assets per employee ($millions) | 4.5835% | 3,023 |
| Cash dividends to net income (ytd only)* | 156.3910% | 292 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9624% | 4,157 |
| Loan loss allowance to noncurrent loans | 2,390.4762% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 4,297 |
| Noncurrent loans to loans | 0.0403% | 4,792 |
| Net loans and leases to total assets | 80.5085% | 870 |
| Net loans and leases to deposits | 115.4924% | 163 |
| Net loans and leases to core deposits | 127.4507% | 385 |
| Total domestic deposits to total assets | 69.7089% | 5,372 |
| Equity capital to assets | 10.3757% | 3,190 |
| Core capital (leverage) ratio | 8.6843% | 5,001 |
| Tier 1 risk-based capital ratio | 10.5427% | 5,338 |
| Total risk-based capital ratio | 11.4962% | 5,356 |
| Memoranda: |
| Average total assets | $130,545,000 | 3,742 |
| Average earning assets | $121,931,000 | 3,715 |
| Average equity | $13,451,000 | 3,906 |
| Average total loans | $106,022,500 | 3,264 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3965% | 2,032 |
| Cost of funding earning assets | 0.5105% | 2,249 |
| Net interest margin | 3.8860% | 2,130 |
| Noninterest income to average assets | 0.2015% | 4,937 |
| Noninterest expense to average assets | 2.7532% | 2,945 |
| Loan and lease loss provision to assets | 0.1161% | 1,958 |
| Net operating income to assets | 0.9079% | 2,668 |
| Return on assets (ROA) | 0.8990% | 2,748 |
| Pretax return on assets | 0.9405% | 3,778 |
| Return on Equity (ROE) | 8.8305% | 2,393 |
| Retained earnings to average equity (ytd only) | 3.3011% | 3,323 |
| Net charge-offs to loans | 0.1989% | 1,293 |
| Credit loss provision to net charge-offs | 72.5962% | 3,053 |
| Earnings coverage of net charge-offs (x) | 6.6635% | 3,153 |
| Efficiency ratio | 71.7076% | 2,273 |
| Assets per employee ($millions) | 4.9167% | 2,578 |
| Cash dividends to net income (ytd only)* | 62.6176% | 1,629 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9051% | 4,453 |
| Loan loss allowance to noncurrent loans | 291.0448% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 3,875 |
| Noncurrent loans to loans | 0.3110% | 3,669 |
| Net loans and leases to total assets | 80.4078% | 906 |
| Net loans and leases to deposits | 114.3177% | 171 |
| Net loans and leases to core deposits | 125.6465% | 444 |
| Total domestic deposits to total assets | 70.3372% | 5,394 |
| Equity capital to assets | 10.2341% | 3,454 |
| Core capital (leverage) ratio | 8.7461% | 4,907 |
| Tier 1 risk-based capital ratio | 10.4033% | 5,402 |
| Total risk-based capital ratio | 11.3044% | 5,458 |
| Memoranda: |
| Average total assets | $130,032,000 | 3,745 |
| Average earning assets | $121,051,000 | 3,725 |
| Average equity | $13,238,200 | 3,954 |
| Average total loans | $104,558,400 | 3,270 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3431% | 2,129 |
| Cost of funding earning assets | 0.4919% | 2,340 |
| Net interest margin | 3.8511% | 2,222 |
| Noninterest income to average assets | 0.2195% | 4,905 |
| Noninterest expense to average assets | 2.8057% | 2,705 |
| Loan and lease loss provision to assets | 0.0928% | 2,230 |
| Net operating income to assets | 0.8635% | 3,211 |
| Return on assets (ROA) | 0.8576% | 3,291 |
| Pretax return on assets | 0.8978% | 4,052 |
| Return on Equity (ROE) | 8.4350% | 2,912 |
| Retained earnings to average equity (ytd only) | 1.2267% | 4,913 |
| Net charge-offs to loans | 0.2570% | 842 |
| Credit loss provision to net charge-offs | 45.0000% | 2,967 |
| Earnings coverage of net charge-offs (x) | 4.8350% | 3,177 |
| Efficiency ratio | 73.4074% | 1,989 |
| Assets per employee ($millions) | 4.5908% | 2,989 |
| Cash dividends to net income (ytd only)* | 85.4567% | 520 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8625% | 4,711 |
| Loan loss allowance to noncurrent loans | 419.0909% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 4,279 |
| Noncurrent loans to loans | 0.2058% | 4,254 |
| Net loans and leases to total assets | 79.6046% | 1,044 |
| Net loans and leases to deposits | 115.6558% | 159 |
| Net loans and leases to core deposits | 126.5010% | 398 |
| Total domestic deposits to total assets | 68.8289% | 5,511 |
| Equity capital to assets | 10.0674% | 3,834 |
| Core capital (leverage) ratio | 8.4876% | 5,257 |
| Tier 1 risk-based capital ratio | 10.2088% | 5,546 |
| Total risk-based capital ratio | 11.0695% | 5,599 |
| Memoranda: |
| Average total assets | $129,352,000 | 3,796 |
| Average earning assets | $120,342,000 | 3,782 |
| Average equity | $13,151,250 | 4,005 |
| Average total loans | $103,768,500 | 3,316 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2921% | 2,161 |
| Cost of funding earning assets | 0.4547% | 2,561 |
| Net interest margin | 3.8374% | 2,143 |
| Noninterest income to average assets | 0.2233% | 4,911 |
| Noninterest expense to average assets | 2.8511% | 2,580 |
| Loan and lease loss provision to assets | 0.0937% | 2,115 |
| Net operating income to assets | 0.8115% | 3,349 |
| Return on assets (ROA) | 0.8026% | 3,450 |
| Pretax return on assets | 0.8400% | 4,126 |
| Return on Equity (ROE) | 7.8669% | 3,113 |
| Retained earnings to average equity (ytd only) | -0.4132% | 5,151 |
| Net charge-offs to loans | 0.3018% | 673 |
| Credit loss provision to net charge-offs | 38.7097% | 2,655 |
| Earnings coverage of net charge-offs (x) | 3.8968% | 2,993 |
| Efficiency ratio | 74.7737% | 1,887 |
| Assets per employee ($millions) | 4.8730% | 2,548 |
| Cash dividends to net income (ytd only)* | 105.2529% | 424 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8816% | 4,710 |
| Loan loss allowance to noncurrent loans | 350.9363% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 4,178 |
| Noncurrent loans to loans | 0.2512% | 4,134 |
| Net loans and leases to total assets | 80.0655% | 945 |
| Net loans and leases to deposits | 107.1060% | 352 |
| Net loans and leases to core deposits | 124.1447% | 432 |
| Total domestic deposits to total assets | 74.7536% | 5,230 |
| Equity capital to assets | 10.0828% | 3,815 |
| Core capital (leverage) ratio | 8.6558% | 5,085 |
| Tier 1 risk-based capital ratio | 10.2172% | 5,572 |
| Total risk-based capital ratio | 11.1050% | 5,630 |
| Memoranda: |
| Average total assets | $128,091,670 | 3,841 |
| Average earning assets | $119,194,670 | 3,820 |
| Average equity | $13,067,330 | 4,023 |
| Average total loans | $102,724,000 | 3,345 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2966% | 1,958 |
| Cost of funding earning assets | 0.4433% | 2,585 |
| Net interest margin | 3.8533% | 1,946 |
| Noninterest income to average assets | 0.2311% | 4,893 |
| Noninterest expense to average assets | 2.9252% | 2,380 |
| Loan and lease loss provision to assets | 0.0950% | 1,958 |
| Net operating income to assets | 0.7525% | 3,464 |
| Return on assets (ROA) | 0.7345% | 3,591 |
| Pretax return on assets | 0.7693% | 4,219 |
| Return on Equity (ROE) | 7.1561% | 3,338 |
| Retained earnings to average equity (ytd only) | -8.3899% | 5,537 |
| Net charge-offs to loans | 0.4280% | 431 |
| Credit loss provision to net charge-offs | 27.7778% | 2,129 |
| Earnings coverage of net charge-offs (x) | 2.5833% | 2,574 |
| Efficiency ratio | 76.3924% | 1,853 |
| Assets per employee ($millions) | 4.1886% | 3,681 |
| Cash dividends to net income (ytd only)* | 217.2414% | 206 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9493% | 4,555 |
| Loan loss allowance to noncurrent loans | 256.1828% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 4,014 |
| Noncurrent loans to loans | 0.3705% | 3,767 |
| Net loans and leases to total assets | 79.1370% | 960 |
| Net loans and leases to deposits | 105.2330% | 352 |
| Net loans and leases to core deposits | 117.3551% | 544 |
| Total domestic deposits to total assets | 75.2017% | 5,319 |
| Equity capital to assets | 10.2612% | 3,460 |
| Core capital (leverage) ratio | 8.5415% | 5,198 |
| Tier 1 risk-based capital ratio | 10.3129% | 5,618 |
| Total risk-based capital ratio | 11.2458% | 5,667 |
| Memoranda: |
| Average total assets | $126,352,000 | 3,897 |
| Average earning assets | $117,303,000 | 3,889 |
| Average equity | $12,968,000 | 4,065 |
| Average total loans | $100,946,000 | 3,405 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3763% | 1,893 |
| Cost of funding earning assets | 0.3998% | 3,002 |
| Net interest margin | 3.9765% | 1,709 |
| Noninterest income to average assets | 0.1831% | 5,304 |
| Noninterest expense to average assets | 2.7922% | 3,046 |
| Loan and lease loss provision to assets | 0.0947% | 2,471 |
| Net operating income to assets | 0.9581% | 2,543 |
| Return on assets (ROA) | 0.9581% | 2,652 |
| Pretax return on assets | 0.9936% | 3,497 |
| Return on Equity (ROE) | 9.1945% | 2,318 |
| Retained earnings to average equity (ytd only) | 1.6132% | 4,612 |
| Net charge-offs to loans | 0.2256% | 1,235 |
| Credit loss provision to net charge-offs | 51.7241% | 3,358 |
| Earnings coverage of net charge-offs (x) | 5.9440% | 3,251 |
| Efficiency ratio | 71.5477% | 2,658 |
| Assets per employee ($millions) | 4.3809% | 3,308 |
| Cash dividends to net income (ytd only)* | 82.4547% | 816 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0168% | 4,216 |
| Loan loss allowance to noncurrent loans | 153.8003% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 3,091 |
| Noncurrent loans to loans | 0.6611% | 2,871 |
| Net loans and leases to total assets | 79.0777% | 1,034 |
| Net loans and leases to deposits | 102.8891% | 474 |
| Net loans and leases to core deposits | 115.8712% | 623 |
| Total domestic deposits to total assets | 76.8572% | 5,134 |
| Equity capital to assets | 10.2656% | 3,430 |
| Core capital (leverage) ratio | 8.7731% | 4,998 |
| Tier 1 risk-based capital ratio | 10.6764% | 5,498 |
| Total risk-based capital ratio | 11.6950% | 5,540 |
| Memoranda: |
| Average total assets | $126,708,000 | 3,886 |
| Average earning assets | $117,816,400 | 3,869 |
| Average equity | $13,203,600 | 4,065 |
| Average total loans | $102,853,200 | 3,333 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3994% | 1,860 |
| Cost of funding earning assets | 0.4024% | 2,997 |
| Net interest margin | 3.9970% | 1,662 |
| Noninterest income to average assets | 0.1769% | 5,394 |
| Noninterest expense to average assets | 2.8230% | 2,924 |
| Loan and lease loss provision to assets | 0.0948% | 2,332 |
| Net operating income to assets | 0.9445% | 2,678 |
| Return on assets (ROA) | 0.9445% | 2,814 |
| Pretax return on assets | 0.9824% | 3,695 |
| Return on Equity (ROE) | 9.0303% | 2,469 |
| Retained earnings to average equity (ytd only) | 1.6913% | 4,830 |
| Net charge-offs to loans | 0.2623% | 892 |
| Credit loss provision to net charge-offs | 44.3350% | 3,106 |
| Earnings coverage of net charge-offs (x) | 5.0394% | 3,183 |
| Efficiency ratio | 71.9762% | 2,584 |
| Assets per employee ($millions) | 4.1497% | 3,689 |
| Cash dividends to net income (ytd only)* | 81.2713% | 695 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0146% | 4,325 |
| Loan loss allowance to noncurrent loans | 126.8143% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 2,696 |
| Noncurrent loans to loans | 0.8001% | 2,666 |
| Net loans and leases to total assets | 80.7993% | 783 |
| Net loans and leases to deposits | 106.4694% | 368 |
| Net loans and leases to core deposits | 120.7802% | 481 |
| Total domestic deposits to total assets | 75.8896% | 5,250 |
| Equity capital to assets | 10.8820% | 3,157 |
| Core capital (leverage) ratio | 8.7257% | 5,131 |
| Tier 1 risk-based capital ratio | 10.5560% | 5,597 |
| Total risk-based capital ratio | 11.5666% | 5,623 |
| Memoranda: |
| Average total assets | $126,623,500 | 3,912 |
| Average earning assets | $117,951,750 | 3,886 |
| Average equity | $13,244,000 | 4,092 |
| Average total loans | $103,192,250 | 3,339 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3736% | 1,906 |
| Cost of funding earning assets | 0.3837% | 3,223 |
| Net interest margin | 3.9899% | 1,675 |
| Noninterest income to average assets | 0.1696% | 5,469 |
| Noninterest expense to average assets | 2.8398% | 2,881 |
| Loan and lease loss provision to assets | 0.0942% | 2,272 |
| Net operating income to assets | 0.9173% | 2,780 |
| Return on assets (ROA) | 0.9173% | 2,912 |
| Pretax return on assets | 0.9597% | 3,743 |
| Return on Equity (ROE) | 8.8869% | 2,544 |
| Retained earnings to average equity (ytd only) | 0.7000% | 5,095 |
| Net charge-offs to loans | 0.0945% | 1,898 |
| Credit loss provision to net charge-offs | 122.4490% | 1,839 |
| Earnings coverage of net charge-offs (x) | 13.6939% | 2,107 |
| Efficiency ratio | 72.5292% | 2,583 |
| Assets per employee ($millions) | 4.2708% | 3,429 |
| Cash dividends to net income (ytd only)* | 92.1233% | 647 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1289% | 3,790 |
| Loan loss allowance to noncurrent loans | 240.1247% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 3,601 |
| Noncurrent loans to loans | 0.4701% | 3,677 |
| Net loans and leases to total assets | 78.9487% | 1,071 |
| Net loans and leases to deposits | 105.9260% | 368 |
| Net loans and leases to core deposits | 120.3300% | 506 |
| Total domestic deposits to total assets | 74.5319% | 5,464 |
| Equity capital to assets | 10.4827% | 3,651 |
| Core capital (leverage) ratio | 8.7818% | 5,079 |
| Tier 1 risk-based capital ratio | 10.3607% | 5,739 |
| Total risk-based capital ratio | 11.4850% | 5,704 |
| Memoranda: |
| Average total assets | $127,334,670 | 3,928 |
| Average earning assets | $118,848,670 | 3,895 |
| Average equity | $13,143,000 | 4,134 |
| Average total loans | $103,717,000 | 3,346 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4383% | 1,688 |
| Cost of funding earning assets | 0.3854% | 3,241 |
| Net interest margin | 4.0530% | 1,468 |
| Noninterest income to average assets | 0.1323% | 5,680 |
| Noninterest expense to average assets | 2.8801% | 2,774 |
| Loan and lease loss provision to assets | 0.0945% | 2,116 |
| Net operating income to assets | 0.8900% | 2,803 |
| Return on assets (ROA) | 0.9170% | 2,784 |
| Pretax return on assets | 0.9642% | 3,600 |
| Return on Equity (ROE) | 8.9545% | 2,448 |
| Retained earnings to average equity (ytd only) | -6.3389% | 5,685 |
| Net charge-offs to loans | 0.1877% | 1,040 |
| Credit loss provision to net charge-offs | 61.2245% | 1,973 |
| Earnings coverage of net charge-offs (x) | 6.6735% | 2,223 |
| Efficiency ratio | 73.2474% | 2,599 |
| Assets per employee ($millions) | 4.0202% | 3,912 |
| Cash dividends to net income (ytd only)* | 170.7904% | 321 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0868% | 4,127 |
| Loan loss allowance to noncurrent loans | 232.9193% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 3,609 |
| Noncurrent loans to loans | 0.4666% | 3,777 |
| Net loans and leases to total assets | 82.1570% | 536 |
| Net loans and leases to deposits | 108.7625% | 255 |
| Net loans and leases to core deposits | 124.1862% | 365 |
| Total domestic deposits to total assets | 75.5380% | 5,467 |
| Equity capital to assets | 10.4376% | 3,569 |
| Core capital (leverage) ratio | 8.4006% | 5,480 |
| Tier 1 risk-based capital ratio | 10.1182% | 5,888 |
| Total risk-based capital ratio | 11.2138% | 5,882 |
| Memoranda: |
| Average total assets | $126,939,500 | 3,961 |
| Average earning assets | $118,333,500 | 3,936 |
| Average equity | $12,999,000 | 4,165 |
| Average total loans | $104,421,500 | 3,343 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4693% | 1,690 |
| Cost of funding earning assets | 0.3650% | 3,534 |
| Net interest margin | 4.1043% | 1,403 |
| Noninterest income to average assets | 0.2409% | 5,158 |
| Noninterest expense to average assets | 2.6828% | 3,640 |
| Loan and lease loss provision to assets | 0.3002% | 574 |
| Net operating income to assets | 1.0110% | 2,302 |
| Return on assets (ROA) | 1.0146% | 2,364 |
| Pretax return on assets | 1.0647% | 3,211 |
| Return on Equity (ROE) | 10.4768% | 1,815 |
| Retained earnings to average equity (ytd only) | 2.2366% | 4,446 |
| Net charge-offs to loans | 0.2001% | 1,461 |
| Credit loss provision to net charge-offs | 186.3208% | 1,478 |
| Earnings coverage of net charge-offs (x) | 8.4481% | 2,951 |
| Efficiency ratio | 65.9463% | 3,913 |
| Assets per employee ($millions) | 4.4570% | 3,108 |
| Cash dividends to net income (ytd only)* | 78.6517% | 909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0871% | 4,115 |
| Loan loss allowance to noncurrent loans | 196.3979% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5764% | 3,367 |
| Noncurrent loans to loans | 0.5535% | 3,510 |
| Net loans and leases to total assets | 80.6047% | 760 |
| Net loans and leases to deposits | 105.7770% | 371 |
| Net loans and leases to core deposits | 121.0105% | 453 |
| Total domestic deposits to total assets | 76.2025% | 5,422 |
| Equity capital to assets | 10.0501% | 3,900 |
| Core capital (leverage) ratio | 8.4945% | 5,442 |
| Tier 1 risk-based capital ratio | 10.0568% | 5,940 |
| Total risk-based capital ratio | 11.1421% | 5,936 |
| Memoranda: |
| Average total assets | $131,581,200 | 3,858 |
| Average earning assets | $121,921,200 | 3,840 |
| Average equity | $12,742,400 | 4,182 |
| Average total loans | $105,927,600 | 3,281 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5170% | 1,545 |
| Cost of funding earning assets | 0.3653% | 3,601 |
| Net interest margin | 4.1517% | 1,274 |
| Noninterest income to average assets | 0.2240% | 5,314 |
| Noninterest expense to average assets | 2.6946% | 3,582 |
| Loan and lease loss provision to assets | 0.3985% | 305 |
| Net operating income to assets | 0.9193% | 2,867 |
| Return on assets (ROA) | 0.9241% | 2,924 |
| Pretax return on assets | 0.9765% | 3,710 |
| Return on Equity (ROE) | 9.6313% | 2,247 |
| Retained earnings to average equity (ytd only) | 1.4720% | 5,129 |
| Net charge-offs to loans | 0.1395% | 1,731 |
| Credit loss provision to net charge-offs | 355.8559% | 828 |
| Earnings coverage of net charge-offs (x) | 12.2339% | 2,425 |
| Efficiency ratio | 65.8972% | 3,905 |
| Assets per employee ($millions) | 4.2778% | 3,362 |
| Cash dividends to net income (ytd only)* | 84.7163% | 637 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2135% | 3,576 |
| Loan loss allowance to noncurrent loans | 168.2432% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 3,055 |
| Noncurrent loans to loans | 0.7213% | 3,172 |
| Net loans and leases to total assets | 78.9753% | 959 |
| Net loans and leases to deposits | 106.0333% | 364 |
| Net loans and leases to core deposits | 125.1704% | 351 |
| Total domestic deposits to total assets | 74.4816% | 5,666 |
| Equity capital to assets | 10.0487% | 4,098 |
| Core capital (leverage) ratio | 8.1170% | 5,832 |
| Tier 1 risk-based capital ratio | 9.3923% | 6,159 |
| Total risk-based capital ratio | 10.5099% | 6,156 |
| Memoranda: |
| Average total assets | $132,163,250 | 3,891 |
| Average earning assets | $122,260,000 | 3,877 |
| Average equity | $12,680,500 | 4,245 |
| Average total loans | $106,077,250 | 3,301 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4707% | 1,627 |
| Cost of funding earning assets | 0.3590% | 3,719 |
| Net interest margin | 4.1118% | 1,325 |
| Noninterest income to average assets | 0.1858% | 5,578 |
| Noninterest expense to average assets | 2.6370% | 3,785 |
| Loan and lease loss provision to assets | 0.2817% | 576 |
| Net operating income to assets | 1.0192% | 2,300 |
| Return on assets (ROA) | 1.0263% | 2,370 |
| Pretax return on assets | 1.0848% | 3,238 |
| Return on Equity (ROE) | 10.8278% | 1,737 |
| Retained earnings to average equity (ytd only) | 3.2720% | 3,969 |
| Net charge-offs to loans | 0.1063% | 1,935 |
| Credit loss provision to net charge-offs | 329.8246% | 874 |
| Earnings coverage of net charge-offs (x) | 15.9123% | 1,941 |
| Efficiency ratio | 65.5793% | 4,091 |
| Assets per employee ($millions) | 4.7968% | 2,547 |
| Cash dividends to net income (ytd only)* | 69.7810% | 1,216 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0085% | 4,827 |
| Loan loss allowance to noncurrent loans | 52.6519% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.7162% | 1,381 |
| Noncurrent loans to loans | 1.9154% | 1,300 |
| Net loans and leases to total assets | 79.8064% | 824 |
| Net loans and leases to deposits | 109.8440% | 265 |
| Net loans and leases to core deposits | 126.7582% | 326 |
| Total domestic deposits to total assets | 72.6543% | 5,899 |
| Equity capital to assets | 9.5227% | 4,624 |
| Core capital (leverage) ratio | 8.1938% | 5,795 |
| Tier 1 risk-based capital ratio | 9.0879% | 6,249 |
| Total risk-based capital ratio | 10.0306% | 6,266 |
| Memoranda: |
| Average total assets | $133,483,330 | 3,900 |
| Average earning assets | $123,693,000 | 3,888 |
| Average equity | $12,652,670 | 4,270 |
| Average total loans | $107,237,000 | 3,296 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4526% | 1,604 |
| Cost of funding earning assets | 0.3659% | 3,685 |
| Net interest margin | 4.0867% | 1,316 |
| Noninterest income to average assets | 0.1774% | 5,652 |
| Noninterest expense to average assets | 2.6452% | 3,762 |
| Loan and lease loss provision to assets | 0.3156% | 438 |
| Net operating income to assets | 0.9508% | 2,502 |
| Return on assets (ROA) | 0.9649% | 2,555 |
| Pretax return on assets | 1.0250% | 3,407 |
| Return on Equity (ROE) | 10.2034% | 1,910 |
| Retained earnings to average equity (ytd only) | -4.2276% | 5,878 |
| Net charge-offs to loans | 0.1499% | 1,351 |
| Credit loss provision to net charge-offs | 262.5000% | 895 |
| Earnings coverage of net charge-offs (x) | 11.0250% | 1,893 |
| Efficiency ratio | 66.2377% | 4,116 |
| Assets per employee ($millions) | 4.3158% | 3,343 |
| Cash dividends to net income (ytd only)* | 141.4330% | 401 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9856% | 5,109 |
| Loan loss allowance to noncurrent loans | 81.4932% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 2,188 |
| Noncurrent loans to loans | 1.2094% | 2,353 |
| Net loans and leases to total assets | 79.6135% | 729 |
| Net loans and leases to deposits | 101.7210% | 470 |
| Net loans and leases to core deposits | 117.7052% | 464 |
| Total domestic deposits to total assets | 78.2665% | 5,401 |
| Equity capital to assets | 9.8190% | 4,367 |
| Core capital (leverage) ratio | 7.8414% | 6,015 |
| Tier 1 risk-based capital ratio | 9.0649% | 6,314 |
| Total risk-based capital ratio | 9.9781% | 6,331 |
| Memoranda: |
| Average total assets | $133,070,000 | 3,936 |
| Average earning assets | $123,522,500 | 3,915 |
| Average equity | $12,584,000 | 4,308 |
| Average total loans | $106,715,500 | 3,322 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6370% | 1,456 |
| Cost of funding earning assets | 0.3748% | 3,982 |
| Net interest margin | 4.2623% | 1,140 |
| Noninterest income to average assets | 0.2075% | 5,620 |
| Noninterest expense to average assets | 2.7748% | 3,582 |
| Loan and lease loss provision to assets | 0.1057% | 2,390 |
| Net operating income to assets | 1.1968% | 1,592 |
| Return on assets (ROA) | 1.1998% | 1,646 |
| Pretax return on assets | 1.2672% | 2,359 |
| Return on Equity (ROE) | 12.9414% | 1,157 |
| Retained earnings to average equity (ytd only) | 3.2522% | 3,914 |
| Net charge-offs to loans | 0.2787% | 1,555 |
| Credit loss provision to net charge-offs | 48.2143% | 3,520 |
| Earnings coverage of net charge-offs (x) | 6.2464% | 3,239 |
| Efficiency ratio | 66.6100% | 4,130 |
| Assets per employee ($millions) | 4.7127% | 2,711 |
| Cash dividends to net income (ytd only)* | 74.8695% | 1,103 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8790% | 5,532 |
| Loan loss allowance to noncurrent loans | 78.0032% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 2,507 |
| Noncurrent loans to loans | 1.1269% | 2,588 |
| Net loans and leases to total assets | 79.2920% | 844 |
| Net loans and leases to deposits | 111.3170% | 209 |
| Net loans and leases to core deposits | 124.0042% | 320 |
| Total domestic deposits to total assets | 71.2308% | 6,130 |
| Equity capital to assets | 9.1134% | 5,169 |
| Core capital (leverage) ratio | 8.1637% | 5,878 |
| Tier 1 risk-based capital ratio | 8.9096% | 6,411 |
| Total risk-based capital ratio | 9.7447% | 6,430 |
| Memoranda: |
| Average total assets | $127,686,200 | 4,021 |
| Average earning assets | $117,942,400 | 4,012 |
| Average equity | $11,838,000 | 4,389 |
| Average total loans | $100,467,200 | 3,413 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6924% | 1,327 |
| Cost of funding earning assets | 0.3824% | 3,992 |
| Net interest margin | 4.3100% | 1,030 |
| Noninterest income to average assets | 0.1775% | 5,853 |
| Noninterest expense to average assets | 2.8337% | 3,337 |
| Loan and lease loss provision to assets | 0.1307% | 1,918 |
| Net operating income to assets | 1.1258% | 1,946 |
| Return on assets (ROA) | 1.1299% | 1,996 |
| Pretax return on assets | 1.1947% | 2,797 |
| Return on Equity (ROE) | 12.1305% | 1,448 |
| Retained earnings to average equity (ytd only) | 2.2025% | 4,953 |
| Net charge-offs to loans | 0.3800% | 1,052 |
| Credit loss provision to net charge-offs | 43.9286% | 3,221 |
| Earnings coverage of net charge-offs (x) | 4.4393% | 3,460 |
| Efficiency ratio | 67.8690% | 3,883 |
| Assets per employee ($millions) | 4.1309% | 3,598 |
| Cash dividends to net income (ytd only)* | 81.8436% | 695 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9762% | 5,314 |
| Loan loss allowance to noncurrent loans | 162.7787% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 3,672 |
| Noncurrent loans to loans | 0.5997% | 4,134 |
| Net loans and leases to total assets | 77.6774% | 996 |
| Net loans and leases to deposits | 101.1963% | 545 |
| Net loans and leases to core deposits | 113.3798% | 605 |
| Total domestic deposits to total assets | 76.7591% | 5,714 |
| Equity capital to assets | 9.7250% | 4,526 |
| Core capital (leverage) ratio | 8.2913% | 5,846 |
| Tier 1 risk-based capital ratio | 9.6420% | 6,416 |
| Total risk-based capital ratio | 10.5521% | 6,442 |
| Memoranda: |
| Average total assets | $125,441,000 | 4,112 |
| Average earning assets | $115,757,750 | 4,097 |
| Average equity | $11,683,750 | 4,449 |
| Average total loans | $98,252,250 | 3,484 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6487% | 1,403 |
| Cost of funding earning assets | 0.3891% | 4,001 |
| Net interest margin | 4.2596% | 1,113 |
| Noninterest income to average assets | 0.1794% | 5,875 |
| Noninterest expense to average assets | 2.8504% | 3,335 |
| Loan and lease loss provision to assets | 0.1763% | 1,392 |
| Net operating income to assets | 1.0215% | 2,240 |
| Return on assets (ROA) | 1.0274% | 2,280 |
| Pretax return on assets | 1.0878% | 3,142 |
| Return on Equity (ROE) | 11.1928% | 1,671 |
| Retained earnings to average equity (ytd only) | 5.4494% | 2,673 |
| Net charge-offs to loans | 0.3205% | 1,265 |
| Credit loss provision to net charge-offs | 70.2532% | 2,473 |
| Earnings coverage of net charge-offs (x) | 5.0127% | 3,001 |
| Efficiency ratio | 69.0375% | 3,832 |
| Assets per employee ($millions) | 4.0543% | 3,726 |
| Cash dividends to net income (ytd only)* | 51.3138% | 1,872 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0753% | 5,004 |
| Loan loss allowance to noncurrent loans | 543.0769% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 4,829 |
| Noncurrent loans to loans | 0.1980% | 5,423 |
| Net loans and leases to total assets | 77.5180% | 972 |
| Net loans and leases to deposits | 97.8006% | 683 |
| Net loans and leases to core deposits | 106.7869% | 846 |
| Total domestic deposits to total assets | 79.2613% | 5,402 |
| Equity capital to assets | 9.6433% | 4,568 |
| Core capital (leverage) ratio | 8.3087% | 5,839 |
| Tier 1 risk-based capital ratio | 9.7047% | 6,467 |
| Total risk-based capital ratio | 10.7148% | 6,484 |
| Memoranda: |
| Average total assets | $125,945,330 | 4,117 |
| Average earning assets | $116,161,670 | 4,106 |
| Average equity | $11,561,000 | 4,483 |
| Average total loans | $98,598,670 | 3,482 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5549% | 1,625 |
| Cost of funding earning assets | 0.3853% | 4,140 |
| Net interest margin | 4.1696% | 1,296 |
| Noninterest income to average assets | 0.1745% | 5,924 |
| Noninterest expense to average assets | 2.9918% | 2,888 |
| Loan and lease loss provision to assets | 0.1999% | 1,167 |
| Net operating income to assets | 0.7781% | 3,262 |
| Return on assets (ROA) | 0.7900% | 3,273 |
| Pretax return on assets | 0.8408% | 3,937 |
| Return on Equity (ROE) | 8.8286% | 2,539 |
| Retained earnings to average equity (ytd only) | -1.9501% | 5,854 |
| Net charge-offs to loans | -0.0162% | 5,247 |
| Credit loss provision to net charge-offs | -1,575.0000% | 5,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0331% | 3,138 |
| Assets per employee ($millions) | 4.0007% | 3,948 |
| Cash dividends to net income (ytd only)* | 122.0884% | 519 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1885% | 4,690 |
| Loan loss allowance to noncurrent loans | 210.5925% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 3,992 |
| Noncurrent loans to loans | 0.5643% | 4,466 |
| Net loans and leases to total assets | 78.6354% | 696 |
| Net loans and leases to deposits | 99.4828% | 467 |
| Net loans and leases to core deposits | 108.0561% | 671 |
| Total domestic deposits to total assets | 79.0442% | 5,677 |
| Equity capital to assets | 9.2265% | 4,841 |
| Core capital (leverage) ratio | 8.1259% | 6,014 |
| Tier 1 risk-based capital ratio | 9.2799% | 6,579 |
| Total risk-based capital ratio | 10.3907% | 6,579 |
| Memoranda: |
| Average total assets | $126,076,500 | 4,138 |
| Average earning assets | $116,270,500 | 4,134 |
| Average equity | $11,281,500 | 4,551 |
| Average total loans | $98,655,000 | 3,497 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6391% | 1,745 |
| Cost of funding earning assets | 0.4644% | 3,973 |
| Net interest margin | 4.1746% | 1,434 |
| Noninterest income to average assets | 0.2699% | 5,423 |
| Noninterest expense to average assets | 2.8215% | 3,650 |
| Loan and lease loss provision to assets | 0.4390% | 668 |
| Net operating income to assets | 0.7657% | 3,464 |
| Return on assets (ROA) | 0.7657% | 3,560 |
| Pretax return on assets | 0.8308% | 4,028 |
| Return on Equity (ROE) | 7.8624% | 3,109 |
| Retained earnings to average equity (ytd only) | 0.1669% | 5,776 |
| Net charge-offs to loans | 0.2227% | 2,681 |
| Credit loss provision to net charge-offs | 272.7273% | 831 |
| Earnings coverage of net charge-offs (x) | 7.8889% | 2,768 |
| Efficiency ratio | 68.5873% | 4,082 |
| Assets per employee ($millions) | 4.1332% | 3,566 |
| Cash dividends to net income (ytd only)* | 97.8769% | 452 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1216% | 5,043 |
| Loan loss allowance to noncurrent loans | 201.4572% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 4,041 |
| Noncurrent loans to loans | 0.5567% | 4,599 |
| Net loans and leases to total assets | 76.0985% | 1,061 |
| Net loans and leases to deposits | 100.7137% | 448 |
| Net loans and leases to core deposits | 106.7495% | 757 |
| Total domestic deposits to total assets | 75.5592% | 6,132 |
| Equity capital to assets | 8.6787% | 5,398 |
| Core capital (leverage) ratio | 8.2593% | 5,917 |
| Tier 1 risk-based capital ratio | 9.3719% | 6,618 |
| Total risk-based capital ratio | 10.4244% | 6,626 |
| Memoranda: |
| Average total assets | $123,020,000 | 4,214 |
| Average earning assets | $112,609,000 | 4,211 |
| Average equity | $11,981,000 | 4,443 |
| Average total loans | $88,908,600 | 3,717 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6097% | 1,871 |
| Cost of funding earning assets | 0.4813% | 3,953 |
| Net interest margin | 4.1284% | 1,546 |
| Noninterest income to average assets | 0.2574% | 5,600 |
| Noninterest expense to average assets | 2.7610% | 3,790 |
| Loan and lease loss provision to assets | 0.4950% | 559 |
| Net operating income to assets | 0.7239% | 3,733 |
| Return on assets (ROA) | 0.7239% | 3,859 |
| Pretax return on assets | 0.7874% | 4,347 |
| Return on Equity (ROE) | 7.2261% | 3,529 |
| Retained earnings to average equity (ytd only) | 0.1968% | 5,875 |
| Net charge-offs to loans | 0.3022% | 2,021 |
| Credit loss provision to net charge-offs | 230.6122% | 1,051 |
| Earnings coverage of net charge-offs (x) | 5.9744% | 3,062 |
| Efficiency ratio | 67.9036% | 4,116 |
| Assets per employee ($millions) | 4.0675% | 3,703 |
| Cash dividends to net income (ytd only)* | 97.2768% | 446 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1197% | 5,255 |
| Loan loss allowance to noncurrent loans | 211.1801% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 3,948 |
| Noncurrent loans to loans | 0.5302% | 4,869 |
| Net loans and leases to total assets | 73.8174% | 1,315 |
| Net loans and leases to deposits | 93.4301% | 869 |
| Net loans and leases to core deposits | 108.7573% | 632 |
| Total domestic deposits to total assets | 79.0082% | 5,740 |
| Equity capital to assets | 9.3711% | 4,717 |
| Core capital (leverage) ratio | 8.7760% | 5,446 |
| Tier 1 risk-based capital ratio | 10.2127% | 6,535 |
| Total risk-based capital ratio | 11.2711% | 6,555 |
| Memoranda: |
| Average total assets | $121,742,500 | 4,282 |
| Average earning assets | $111,646,000 | 4,267 |
| Average equity | $12,196,250 | 4,461 |
| Average total loans | $86,483,000 | 3,800 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6258% | 1,767 |
| Cost of funding earning assets | 0.5052% | 3,849 |
| Net interest margin | 4.1206% | 1,488 |
| Noninterest income to average assets | 0.2795% | 5,452 |
| Noninterest expense to average assets | 2.7703% | 3,781 |
| Loan and lease loss provision to assets | 0.2910% | 1,248 |
| Net operating income to assets | 0.9125% | 2,732 |
| Return on assets (ROA) | 0.9125% | 2,869 |
| Pretax return on assets | 0.9733% | 3,622 |
| Return on Equity (ROE) | 8.9157% | 2,651 |
| Retained earnings to average equity (ytd only) | 2.4578% | 4,738 |
| Net charge-offs to loans | -0.0165% | 5,902 |
| Credit loss provision to net charge-offs | -2,528.5714% | 6,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2967% | 4,126 |
| Assets per employee ($millions) | 3.8083% | 4,191 |
| Cash dividends to net income (ytd only)* | 72.4324% | 1,118 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1204% | 5,360 |
| Loan loss allowance to noncurrent loans | 129.8630% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.4285% | 2,959 |
| Noncurrent loans to loans | 0.8628% | 4,198 |
| Net loans and leases to total assets | 73.2293% | 1,365 |
| Net loans and leases to deposits | 84.1993% | 1,773 |
| Net loans and leases to core deposits | 96.3704% | 1,322 |
| Total domestic deposits to total assets | 86.9713% | 2,837 |
| Equity capital to assets | 10.4956% | 3,313 |
| Core capital (leverage) ratio | 8.4766% | 5,696 |
| Tier 1 risk-based capital ratio | 10.9409% | 6,361 |
| Total risk-based capital ratio | 11.9810% | 6,407 |
| Memoranda: |
| Average total assets | $121,648,670 | 4,307 |
| Average earning assets | $110,856,330 | 4,317 |
| Average equity | $12,450,000 | 4,434 |
| Average total loans | $84,945,670 | 3,854 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5000% | 2,170 |
| Cost of funding earning assets | 0.5354% | 3,723 |
| Net interest margin | 3.9647% | 1,904 |
| Noninterest income to average assets | 0.2712% | 5,512 |
| Noninterest expense to average assets | 2.6231% | 4,326 |
| Loan and lease loss provision to assets | 0.2840% | 1,239 |
| Net operating income to assets | 0.9254% | 2,541 |
| Return on assets (ROA) | 0.9254% | 2,683 |
| Pretax return on assets | 0.9797% | 3,438 |
| Return on Equity (ROE) | 9.1486% | 2,416 |
| Retained earnings to average equity (ytd only) | -2.6499% | 6,156 |
| Net charge-offs to loans | -0.0282% | 5,870 |
| Credit loss provision to net charge-offs | -1,483.3333% | 5,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0772% | 4,479 |
| Assets per employee ($millions) | 4.0165% | 3,911 |
| Cash dividends to net income (ytd only)* | 128.9655% | 451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0452% | 5,811 |
| Loan loss allowance to noncurrent loans | 105.5283% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 3,113 |
| Noncurrent loans to loans | 0.9905% | 4,149 |
| Net loans and leases to total assets | 65.3150% | 2,493 |
| Net loans and leases to deposits | 75.2299% | 2,739 |
| Net loans and leases to core deposits | 78.5734% | 2,981 |
| Total domestic deposits to total assets | 86.8205% | 3,067 |
| Equity capital to assets | 10.0842% | 4,035 |
| Core capital (leverage) ratio | 7.7590% | 6,318 |
| Tier 1 risk-based capital ratio | 10.6401% | 6,540 |
| Total risk-based capital ratio | 11.5796% | 6,613 |
| Memoranda: |
| Average total assets | $125,349,000 | 4,278 |
| Average earning assets | $114,310,000 | 4,275 |
| Average equity | $12,679,500 | 4,436 |
| Average total loans | $85,113,000 | 3,864 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9336% | 1,734 |
| Cost of funding earning assets | 0.6500% | 3,912 |
| Net interest margin | 4.2836% | 1,438 |
| Noninterest income to average assets | 0.3079% | 5,249 |
| Noninterest expense to average assets | 3.1413% | 2,804 |
| Loan and lease loss provision to assets | 0.2520% | 2,642 |
| Net operating income to assets | 0.8014% | 3,280 |
| Return on assets (ROA) | 0.7889% | 3,584 |
| Pretax return on assets | 0.8294% | 4,181 |
| Return on Equity (ROE) | 7.0738% | 3,597 |
| Retained earnings to average equity (ytd only) | 0.1965% | 5,750 |
| Net charge-offs to loans | 0.4660% | 2,371 |
| Credit loss provision to net charge-offs | 69.2771% | 4,195 |
| Earnings coverage of net charge-offs (x) | 3.0090% | 3,924 |
| Efficiency ratio | 74.1593% | 3,045 |
| Assets per employee ($millions) | 4.0705% | 3,811 |
| Cash dividends to net income (ytd only)* | 97.2222% | 534 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8678% | 6,351 |
| Loan loss allowance to noncurrent loans | 136.6726% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 3,626 |
| Noncurrent loans to loans | 0.6349% | 4,931 |
| Net loans and leases to total assets | 69.1662% | 2,003 |
| Net loans and leases to deposits | 81.8605% | 2,017 |
| Net loans and leases to core deposits | 86.8282% | 2,207 |
| Total domestic deposits to total assets | 84.4927% | 4,087 |
| Equity capital to assets | 10.1461% | 3,971 |
| Core capital (leverage) ratio | 9.6289% | 3,919 |
| Tier 1 risk-based capital ratio | 10.2350% | 6,638 |
| Total risk-based capital ratio | 11.0321% | 6,724 |
| Memoranda: |
| Average total assets | $91,268,000 | 5,043 |
| Average earning assets | $83,690,600 | 5,025 |
| Average equity | $10,178,400 | 4,943 |
| Average total loans | $71,245,200 | 4,311 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3934% | 847 |
| Cost of funding earning assets | 0.7143% | 3,648 |
| Net interest margin | 4.6791% | 700 |
| Noninterest income to average assets | 0.3457% | 5,046 |
| Noninterest expense to average assets | 3.3519% | 2,126 |
| Loan and lease loss provision to assets | 0.6316% | 838 |
| Net operating income to assets | 0.5993% | 4,399 |
| Return on assets (ROA) | 0.5993% | 4,661 |
| Pretax return on assets | 0.6478% | 5,017 |
| Return on Equity (ROE) | 5.1947% | 4,727 |
| Retained earnings to average equity (ytd only) | -4.6067% | 6,592 |
| Net charge-offs to loans | 0.5449% | 1,971 |
| Credit loss provision to net charge-offs | 142.7007% | 2,019 |
| Earnings coverage of net charge-offs (x) | 2.8905% | 3,883 |
| Efficiency ratio | 72.3753% | 3,252 |
| Assets per employee ($millions) | 3.3812% | 5,256 |
| Cash dividends to net income (ytd only)* | 188.6809% | 64 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5378% | 3,786 |
| Loan loss allowance to noncurrent loans | 146.7164% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 3,565 |
| Noncurrent loans to loans | 1.0481% | 4,345 |
| Net loans and leases to total assets | 74.4600% | 1,178 |
| Net loans and leases to deposits | 92.0002% | 971 |
| Net loans and leases to core deposits | 95.7074% | 1,429 |
| Total domestic deposits to total assets | 80.9346% | 5,382 |
| Equity capital to assets | 11.2291% | 3,003 |
| Core capital (leverage) ratio | 11.3689% | 2,078 |
| Tier 1 risk-based capital ratio | 13.5498% | 4,849 |
| Total risk-based capital ratio | 14.8015% | 4,808 |
| Memoranda: |
| Average total assets | $82,538,500 | 5,337 |
| Average earning assets | $75,596,750 | 5,305 |
| Average equity | $9,522,250 | 5,145 |
| Average total loans | $67,046,000 | 4,504 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4555% | 791 |
| Cost of funding earning assets | 0.7347% | 3,728 |
| Net interest margin | 4.7209% | 645 |
| Noninterest income to average assets | 0.3176% | 5,277 |
| Noninterest expense to average assets | 3.3954% | 2,040 |
| Loan and lease loss provision to assets | 0.6424% | 893 |
| Net operating income to assets | 0.5740% | 4,479 |
| Return on assets (ROA) | 0.5740% | 4,753 |
| Pretax return on assets | 0.6278% | 5,041 |
| Return on Equity (ROE) | 4.9306% | 4,839 |
| Retained earnings to average equity (ytd only) | -7.2175% | 6,730 |
| Net charge-offs to loans | 0.2937% | 2,852 |
| Credit loss provision to net charge-offs | 263.0000% | 1,096 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,885 |
| Efficiency ratio | 72.7749% | 3,284 |
| Assets per employee ($millions) | 3.0339% | 5,997 |
| Cash dividends to net income (ytd only)* | 246.3830% | 53 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5302% | 3,871 |
| Loan loss allowance to noncurrent loans | 140.7661% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.5809% | 3,345 |
| Noncurrent loans to loans | 1.0871% | 4,349 |
| Net loans and leases to total assets | 80.8338% | 426 |
| Net loans and leases to deposits | 101.1812% | 372 |
| Net loans and leases to core deposits | 105.0565% | 790 |
| Total domestic deposits to total assets | 79.8901% | 5,767 |
| Equity capital to assets | 11.5827% | 2,508 |
| Core capital (leverage) ratio | 11.3522% | 2,010 |
| Tier 1 risk-based capital ratio | 13.0985% | 5,117 |
| Total risk-based capital ratio | 14.3517% | 5,096 |
| Memoranda: |
| Average total assets | $81,874,670 | 5,382 |
| Average earning assets | $75,409,670 | 5,342 |
| Average equity | $9,532,330 | 5,148 |
| Average total loans | $68,086,670 | 4,486 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5136% | 739 |
| Cost of funding earning assets | 0.7306% | 4,020 |
| Net interest margin | 4.7830% | 587 |
| Noninterest income to average assets | 0.2785% | 5,640 |
| Noninterest expense to average assets | 3.4207% | 1,953 |
| Loan and lease loss provision to assets | 1.0653% | 378 |
| Net operating income to assets | 0.1808% | 6,040 |
| Return on assets (ROA) | 0.1808% | 6,179 |
| Pretax return on assets | 0.2394% | 6,111 |
| Return on Equity (ROE) | 1.5490% | 6,209 |
| Retained earnings to average equity (ytd only) | -22.6909% | 7,079 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3888% | 3,366 |
| Assets per employee ($millions) | 3.1513% | 5,863 |
| Cash dividends to net income (ytd only)* | 1,564.8649% | 9 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5689% | 3,853 |
| Loan loss allowance to noncurrent loans | 248.0549% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 5,416 |
| Noncurrent loans to loans | 0.6325% | 5,379 |
| Net loans and leases to total assets | 83.0068% | 221 |
| Net loans and leases to deposits | 104.9084% | 234 |
| Net loans and leases to core deposits | 108.9659% | 572 |
| Total domestic deposits to total assets | 79.1232% | 6,048 |
| Equity capital to assets | 11.3288% | 2,597 |
| Core capital (leverage) ratio | 10.9239% | 2,321 |
| Tier 1 risk-based capital ratio | 12.5752% | 5,543 |
| Total risk-based capital ratio | 13.8283% | 5,506 |
| Memoranda: |
| Average total assets | $81,854,500 | 5,418 |
| Average earning assets | $76,103,000 | 5,361 |
| Average equity | $9,554,500 | 5,158 |
| Average total loans | $68,508,000 | 4,498 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6803% | 813 |
| Cost of funding earning assets | 0.7690% | 5,066 |
| Net interest margin | 4.9113% | 491 |
| Noninterest income to average assets | 0.3452% | 5,046 |
| Noninterest expense to average assets | 3.2414% | 2,720 |
| Loan and lease loss provision to assets | 0.6905% | 1,481 |
| Net operating income to assets | 0.9037% | 2,584 |
| Return on assets (ROA) | 0.9037% | 2,715 |
| Pretax return on assets | 0.9662% | 3,366 |
| Return on Equity (ROE) | 7.9858% | 2,905 |
| Retained earnings to average equity (ytd only) | 3.6129% | 3,641 |
| Net charge-offs to loans | 0.5553% | 2,792 |
| Credit loss provision to net charge-offs | 152.2078% | 1,844 |
| Earnings coverage of net charge-offs (x) | 3.6519% | 3,437 |
| Efficiency ratio | 66.1775% | 4,736 |
| Assets per employee ($millions) | 3.1452% | 5,821 |
| Cash dividends to net income (ytd only)* | 54.7588% | 1,809 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2750% | 5,042 |
| Loan loss allowance to noncurrent loans | 130.4217% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 4,888 |
| Noncurrent loans to loans | 0.9776% | 4,753 |
| Net loans and leases to total assets | 81.9996% | 341 |
| Net loans and leases to deposits | 105.7249% | 256 |
| Net loans and leases to core deposits | 109.8972% | 627 |
| Total domestic deposits to total assets | 77.5594% | 6,265 |
| Equity capital to assets | 12.0170% | 2,113 |
| Core capital (leverage) ratio | 11.6795% | 1,774 |
| Tier 1 risk-based capital ratio | 13.4047% | 4,768 |
| Total risk-based capital ratio | 14.5878% | 4,792 |
| Memoranda: |
| Average total assets | $84,870,400 | 5,313 |
| Average earning assets | $78,675,800 | 5,273 |
| Average equity | $9,604,600 | 5,119 |
| Average total loans | $69,328,400 | 4,518 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6862% | 868 |
| Cost of funding earning assets | 0.7765% | 5,299 |
| Net interest margin | 4.9097% | 498 |
| Noninterest income to average assets | 0.3456% | 5,098 |
| Noninterest expense to average assets | 3.2615% | 2,629 |
| Loan and lease loss provision to assets | 0.4997% | 1,986 |
| Net operating income to assets | 1.0664% | 2,083 |
| Return on assets (ROA) | 1.0664% | 2,226 |
| Pretax return on assets | 1.1224% | 2,920 |
| Return on Equity (ROE) | 9.5645% | 2,359 |
| Retained earnings to average equity (ytd only) | 3.7001% | 4,114 |
| Net charge-offs to loans | 0.4879% | 2,791 |
| Credit loss provision to net charge-offs | 125.8824% | 2,547 |
| Earnings coverage of net charge-offs (x) | 4.0863% | 3,187 |
| Efficiency ratio | 66.7836% | 4,568 |
| Assets per employee ($millions) | 3.2734% | 5,530 |
| Cash dividends to net income (ytd only)* | 61.3143% | 1,144 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0844% | 5,945 |
| Loan loss allowance to noncurrent loans | 73.5412% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 4,258 |
| Noncurrent loans to loans | 1.4746% | 4,086 |
| Net loans and leases to total assets | 81.4764% | 398 |
| Net loans and leases to deposits | 107.0721% | 227 |
| Net loans and leases to core deposits | 111.8535% | 614 |
| Total domestic deposits to total assets | 76.0949% | 6,528 |
| Equity capital to assets | 11.9593% | 2,285 |
| Core capital (leverage) ratio | 11.5442% | 1,993 |
| Tier 1 risk-based capital ratio | 13.1811% | 4,963 |
| Total risk-based capital ratio | 14.1941% | 5,110 |
| Memoranda: |
| Average total assets | $85,644,000 | 5,335 |
| Average earning assets | $79,160,250 | 5,295 |
| Average equity | $9,549,000 | 5,167 |
| Average total loans | $69,680,000 | 4,540 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6416% | 987 |
| Cost of funding earning assets | 0.7831% | 5,490 |
| Net interest margin | 4.8584% | 540 |
| Noninterest income to average assets | 0.2347% | 5,966 |
| Noninterest expense to average assets | 3.1940% | 2,921 |
| Loan and lease loss provision to assets | 0.7041% | 1,342 |
| Net operating income to assets | 0.7778% | 3,163 |
| Return on assets (ROA) | 0.7778% | 3,290 |
| Pretax return on assets | 0.8192% | 3,950 |
| Return on Equity (ROE) | 7.1386% | 3,383 |
| Retained earnings to average equity (ytd only) | 0.8659% | 5,522 |
| Net charge-offs to loans | 0.7240% | 2,061 |
| Credit loss provision to net charge-offs | 120.0000% | 2,541 |
| Earnings coverage of net charge-offs (x) | 2.5961% | 3,530 |
| Efficiency ratio | 67.7073% | 4,570 |
| Assets per employee ($millions) | 2.8878% | 6,326 |
| Cash dividends to net income (ytd only)* | 87.8698% | 632 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0266% | 6,230 |
| Loan loss allowance to noncurrent loans | 63.0837% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.4114% | 4,100 |
| Noncurrent loans to loans | 1.6273% | 3,965 |
| Net loans and leases to total assets | 82.4268% | 345 |
| Net loans and leases to deposits | 103.9233% | 318 |
| Net loans and leases to core deposits | 106.6726% | 889 |
| Total domestic deposits to total assets | 79.3151% | 6,004 |
| Equity capital to assets | 11.3950% | 2,607 |
| Core capital (leverage) ratio | 10.6072% | 2,613 |
| Tier 1 risk-based capital ratio | 12.5743% | 5,270 |
| Total risk-based capital ratio | 13.5435% | 5,509 |
| Memoranda: |
| Average total assets | $86,913,330 | 5,345 |
| Average earning assets | $80,190,670 | 5,315 |
| Average equity | $9,469,670 | 5,192 |
| Average total loans | $70,437,330 | 4,557 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4962% | 1,312 |
| Cost of funding earning assets | 0.7838% | 5,652 |
| Net interest margin | 4.7125% | 686 |
| Noninterest income to average assets | 0.2124% | 6,214 |
| Noninterest expense to average assets | 3.1142% | 3,194 |
| Loan and lease loss provision to assets | 0.3390% | 2,527 |
| Net operating income to assets | 1.0486% | 2,005 |
| Return on assets (ROA) | 1.0486% | 2,057 |
| Pretax return on assets | 1.1074% | 2,731 |
| Return on Equity (ROE) | 9.8378% | 2,157 |
| Retained earnings to average equity (ytd only) | -2.7563% | 6,256 |
| Net charge-offs to loans | -0.0622% | 6,957 |
| Credit loss provision to net charge-offs | -681.8182% | 6,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2854% | 4,602 |
| Assets per employee ($millions) | 3.0353% | 6,086 |
| Cash dividends to net income (ytd only)* | 128.0172% | 418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0843% | 6,108 |
| Loan loss allowance to noncurrent loans | 67.2337% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 4,323 |
| Noncurrent loans to loans | 1.6128% | 4,061 |
| Net loans and leases to total assets | 77.8290% | 752 |
| Net loans and leases to deposits | 98.4820% | 545 |
| Net loans and leases to core deposits | 100.9668% | 1,267 |
| Total domestic deposits to total assets | 79.0287% | 6,181 |
| Equity capital to assets | 10.6708% | 3,018 |
| Core capital (leverage) ratio | 10.1178% | 3,006 |
| Tier 1 risk-based capital ratio | 12.2617% | 5,468 |
| Total risk-based capital ratio | 13.2644% | 5,668 |
| Memoranda: |
| Average total assets | $88,496,500 | 5,337 |
| Average earning assets | $81,656,000 | 5,310 |
| Average equity | $9,433,000 | 5,195 |
| Average total loans | $70,783,000 | 4,593 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9729% | 896 |
| Cost of funding earning assets | 1.0376% | 5,499 |
| Net interest margin | 4.9352% | 501 |
| Noninterest income to average assets | 0.3267% | 5,447 |
| Noninterest expense to average assets | 3.2819% | 2,792 |
| Loan and lease loss provision to assets | 0.3844% | 3,809 |
| Net operating income to assets | 1.2121% | 1,384 |
| Return on assets (ROA) | 1.2121% | 1,459 |
| Pretax return on assets | 1.2770% | 1,995 |
| Return on Equity (ROE) | 11.1160% | 1,551 |
| Retained earnings to average equity (ytd only) | 7.9211% | 1,003 |
| Net charge-offs to loans | 0.8901% | 2,409 |
| Credit loss provision to net charge-offs | 51.9481% | 6,229 |
| Earnings coverage of net charge-offs (x) | 2.2451% | 4,040 |
| Efficiency ratio | 66.3913% | 4,896 |
| Assets per employee ($millions) | 2.9656% | 6,179 |
| Cash dividends to net income (ytd only)* | 28.7413% | 3,106 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9197% | 6,668 |
| Loan loss allowance to noncurrent loans | 60.1266% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.2431% | 4,535 |
| Noncurrent loans to loans | 1.5296% | 4,199 |
| Net loans and leases to total assets | 80.5245% | 595 |
| Net loans and leases to deposits | 101.7469% | 493 |
| Net loans and leases to core deposits | 109.7190% | 935 |
| Total domestic deposits to total assets | 79.1419% | 6,051 |
| Equity capital to assets | 10.6476% | 3,026 |
| Core capital (leverage) ratio | 10.1565% | 2,918 |
| Tier 1 risk-based capital ratio | 12.1724% | 5,312 |
| Total risk-based capital ratio | 13.0477% | 5,650 |
| Memoranda: |
| Average total assets | $83,244,800 | 5,494 |
| Average earning assets | $77,868,400 | 5,412 |
| Average equity | $9,077,000 | 5,400 |
| Average total loans | $69,207,000 | 4,709 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9240% | 1,077 |
| Cost of funding earning assets | 1.1015% | 5,408 |
| Net interest margin | 4.8225% | 646 |
| Noninterest income to average assets | 0.3113% | 5,664 |
| Noninterest expense to average assets | 3.3848% | 2,339 |
| Loan and lease loss provision to assets | 0.3993% | 3,511 |
| Net operating income to assets | 1.0060% | 2,213 |
| Return on assets (ROA) | 1.0153% | 2,299 |
| Pretax return on assets | 1.0674% | 2,942 |
| Return on Equity (ROE) | 9.2521% | 2,406 |
| Retained earnings to average equity (ytd only) | 4.9453% | 3,030 |
| Net charge-offs to loans | 0.0058% | 6,585 |
| Credit loss provision to net charge-offs | 8,166.6667% | 34 |
| Earnings coverage of net charge-offs (x) | 297.9925% | 105 |
| Efficiency ratio | 69.9091% | 4,089 |
| Assets per employee ($millions) | 3.1227% | 5,871 |
| Cash dividends to net income (ytd only)* | 46.5491% | 1,783 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6563% | 3,316 |
| Loan loss allowance to noncurrent loans | 53.2301% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.5848% | 2,792 |
| Noncurrent loans to loans | 3.1116% | 2,564 |
| Net loans and leases to total assets | 81.6938% | 535 |
| Net loans and leases to deposits | 103.3944% | 459 |
| Net loans and leases to core deposits | 110.7839% | 994 |
| Total domestic deposits to total assets | 79.0118% | 6,016 |
| Equity capital to assets | 10.5118% | 3,498 |
| Core capital (leverage) ratio | 10.4265% | 2,772 |
| Tier 1 risk-based capital ratio | 11.9844% | 5,479 |
| Total risk-based capital ratio | 13.2191% | 5,456 |
| Memoranda: |
| Average total assets | $81,814,000 | 5,606 |
| Average earning assets | $76,860,500 | 5,517 |
| Average equity | $8,978,000 | 5,504 |
| Average total loans | $68,432,250 | 4,808 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9007% | 1,183 |
| Cost of funding earning assets | 1.1169% | 5,587 |
| Net interest margin | 4.7838% | 674 |
| Noninterest income to average assets | 0.3428% | 5,406 |
| Noninterest expense to average assets | 3.4651% | 2,112 |
| Loan and lease loss provision to assets | 0.4053% | 3,287 |
| Net operating income to assets | 0.9657% | 2,313 |
| Return on assets (ROA) | 0.9657% | 2,398 |
| Pretax return on assets | 1.0158% | 3,058 |
| Return on Equity (ROE) | 8.6673% | 2,596 |
| Retained earnings to average equity (ytd only) | 2.1556% | 4,773 |
| Net charge-offs to loans | 0.0090% | 6,229 |
| Credit loss provision to net charge-offs | 5,400.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 189.3333% | 178 |
| Efficiency ratio | 70.9165% | 3,997 |
| Assets per employee ($millions) | 2.9375% | 6,280 |
| Cash dividends to net income (ytd only)* | 75.1295% | 888 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5877% | 3,504 |
| Loan loss allowance to noncurrent loans | 45.8640% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 2.9690% | 2,404 |
| Noncurrent loans to loans | 3.4617% | 2,292 |
| Net loans and leases to total assets | 84.4051% | 324 |
| Net loans and leases to deposits | 111.3260% | 243 |
| Net loans and leases to core deposits | 112.7727% | 988 |
| Total domestic deposits to total assets | 75.8179% | 6,725 |
| Equity capital to assets | 10.9591% | 2,905 |
| Core capital (leverage) ratio | 10.5925% | 2,549 |
| Tier 1 risk-based capital ratio | 12.1529% | 5,170 |
| Total risk-based capital ratio | 13.4068% | 5,147 |
| Memoranda: |
| Average total assets | $79,940,330 | 5,700 |
| Average earning assets | $75,923,670 | 5,581 |
| Average equity | $8,907,000 | 5,530 |
| Average total loans | $67,032,330 | 4,900 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7364% | 1,651 |
| Cost of funding earning assets | 1.1227% | 5,787 |
| Net interest margin | 4.6137% | 926 |
| Noninterest income to average assets | 0.3148% | 5,634 |
| Noninterest expense to average assets | 3.4524% | 2,101 |
| Loan and lease loss provision to assets | 0.3960% | 2,992 |
| Net operating income to assets | 0.8022% | 2,951 |
| Return on assets (ROA) | 0.8022% | 3,054 |
| Pretax return on assets | 0.8479% | 3,680 |
| Return on Equity (ROE) | 7.1384% | 3,277 |
| Retained earnings to average equity (ytd only) | 0.0452% | 5,804 |
| Net charge-offs to loans | -0.0490% | 7,344 |
| Credit loss provision to net charge-offs | -975.0000% | 6,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5135% | 3,660 |
| Assets per employee ($millions) | 2.7838% | 6,678 |
| Cash dividends to net income (ytd only)* | 99.3671% | 589 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6018% | 3,435 |
| Loan loss allowance to noncurrent loans | 71.9093% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.9436% | 3,567 |
| Noncurrent loans to loans | 2.2275% | 3,490 |
| Net loans and leases to total assets | 82.5163% | 530 |
| Net loans and leases to deposits | 99.4004% | 799 |
| Net loans and leases to core deposits | 103.4550% | 1,787 |
| Total domestic deposits to total assets | 83.0141% | 4,618 |
| Equity capital to assets | 11.3885% | 2,441 |
| Core capital (leverage) ratio | 10.8833% | 2,302 |
| Tier 1 risk-based capital ratio | 12.7612% | 4,513 |
| Total risk-based capital ratio | 14.0015% | 4,481 |
| Memoranda: |
| Average total assets | $78,785,000 | 5,801 |
| Average earning assets | $74,820,000 | 5,677 |
| Average equity | $8,853,500 | 5,581 |
| Average total loans | $65,276,500 | 5,031 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9377% | 2,095 |
| Cost of funding earning assets | 1.5230% | 5,416 |
| Net interest margin | 4.4147% | 1,393 |
| Noninterest income to average assets | 0.4549% | 4,761 |
| Noninterest expense to average assets | 3.1620% | 3,503 |
| Loan and lease loss provision to assets | 0.6319% | 3,278 |
| Net operating income to assets | 0.7118% | 2,886 |
| Return on assets (ROA) | 0.7142% | 2,942 |
| Pretax return on assets | 0.7603% | 3,377 |
| Return on Equity (ROE) | 6.5803% | 2,963 |
| Retained earnings to average equity (ytd only) | -0.1148% | 4,961 |
| Net charge-offs to loans | 0.6173% | 3,362 |
| Credit loss provision to net charge-offs | 126.1194% | 4,135 |
| Earnings coverage of net charge-offs (x) | 2.7736% | 3,706 |
| Efficiency ratio | 69.4688% | 4,734 |
| Assets per employee ($millions) | 2.7456% | 6,764 |
| Cash dividends to net income (ytd only)* | 101.7452% | 600 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4742% | 3,862 |
| Loan loss allowance to noncurrent loans | 59.2478% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.1112% | 3,258 |
| Noncurrent loans to loans | 2.4882% | 3,053 |
| Net loans and leases to total assets | 80.6626% | 882 |
| Net loans and leases to deposits | 97.9189% | 1,110 |
| Net loans and leases to core deposits | 110.2895% | 2,867 |
| Total domestic deposits to total assets | 82.3770% | 4,784 |
| Equity capital to assets | 11.0898% | 2,633 |
| Core capital (leverage) ratio | 10.4885% | 2,623 |
| Tier 1 risk-based capital ratio | 12.5498% | 4,483 |
| Total risk-based capital ratio | 13.7594% | 4,464 |
| Memoranda: |
| Average total assets | $80,234,200 | 5,723 |
| Average earning assets | $74,456,200 | 5,657 |
| Average equity | $8,707,800 | 5,697 |
| Average total loans | $65,121,800 | 5,060 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0149% | 1,972 |
| Cost of funding earning assets | 1.5545% | 5,612 |
| Net interest margin | 4.4604% | 1,290 |
| Noninterest income to average assets | 0.4345% | 5,001 |
| Noninterest expense to average assets | 3.1265% | 3,552 |
| Loan and lease loss provision to assets | 0.6883% | 2,676 |
| Net operating income to assets | 0.6886% | 3,250 |
| Return on assets (ROA) | 0.6916% | 3,294 |
| Pretax return on assets | 0.7397% | 3,731 |
| Return on Equity (ROE) | 6.4074% | 3,344 |
| Retained earnings to average equity (ytd only) | -2.5507% | 5,828 |
| Net charge-offs to loans | 0.7741% | 2,424 |
| Credit loss provision to net charge-offs | 109.7884% | 4,631 |
| Earnings coverage of net charge-offs (x) | 2.2725% | 4,119 |
| Efficiency ratio | 68.6953% | 4,843 |
| Assets per employee ($millions) | 2.7416% | 6,754 |
| Cash dividends to net income (ytd only)* | 139.8065% | 314 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3681% | 4,119 |
| Loan loss allowance to noncurrent loans | 58.3660% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.9307% | 3,455 |
| Noncurrent loans to loans | 2.3441% | 3,212 |
| Net loans and leases to total assets | 80.9735% | 984 |
| Net loans and leases to deposits | 100.2726% | 1,079 |
| Net loans and leases to core deposits | 115.8274% | 2,642 |
| Total domestic deposits to total assets | 80.7534% | 5,173 |
| Equity capital to assets | 10.9804% | 3,024 |
| Core capital (leverage) ratio | 10.6740% | 2,651 |
| Tier 1 risk-based capital ratio | 12.1880% | 4,806 |
| Total risk-based capital ratio | 13.4383% | 4,753 |
| Memoranda: |
| Average total assets | $80,387,000 | 5,750 |
| Average earning assets | $74,191,750 | 5,712 |
| Average equity | $8,677,250 | 5,760 |
| Average total loans | $65,105,500 | 5,106 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0092% | 2,147 |
| Cost of funding earning assets | 1.5640% | 5,862 |
| Net interest margin | 4.4452% | 1,302 |
| Noninterest income to average assets | 0.3644% | 5,595 |
| Noninterest expense to average assets | 3.0738% | 3,801 |
| Loan and lease loss provision to assets | 0.2231% | 4,804 |
| Net operating income to assets | 1.1130% | 1,727 |
| Return on assets (ROA) | 1.1130% | 1,806 |
| Pretax return on assets | 1.1750% | 2,373 |
| Return on Equity (ROE) | 10.3699% | 1,895 |
| Retained earnings to average equity (ytd only) | -3.1179% | 5,988 |
| Net charge-offs to loans | 0.6610% | 2,381 |
| Credit loss provision to net charge-offs | 41.8605% | 5,875 |
| Earnings coverage of net charge-offs (x) | 2.6233% | 3,762 |
| Efficiency ratio | 68.7361% | 5,022 |
| Assets per employee ($millions) | 2.6970% | 6,841 |
| Cash dividends to net income (ytd only)* | 130.0668% | 443 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1443% | 5,308 |
| Loan loss allowance to noncurrent loans | 45.4319% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 2.0636% | 3,111 |
| Noncurrent loans to loans | 2.5187% | 2,873 |
| Net loans and leases to total assets | 80.7434% | 1,181 |
| Net loans and leases to deposits | 101.8236% | 1,085 |
| Net loans and leases to core deposits | 117.2960% | 2,607 |
| Total domestic deposits to total assets | 79.2973% | 5,720 |
| Equity capital to assets | 11.0737% | 2,854 |
| Core capital (leverage) ratio | 10.4952% | 2,817 |
| Tier 1 risk-based capital ratio | 11.9436% | 4,964 |
| Total risk-based capital ratio | 12.9825% | 5,087 |
| Memoranda: |
| Average total assets | $80,681,000 | 5,776 |
| Average earning assets | $74,552,330 | 5,724 |
| Average equity | $8,659,670 | 5,793 |
| Average total loans | $65,050,330 | 5,137 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9960% | 2,387 |
| Cost of funding earning assets | 1.5414% | 6,275 |
| Net interest margin | 4.4547% | 1,222 |
| Noninterest income to average assets | 0.3076% | 5,982 |
| Noninterest expense to average assets | 3.0519% | 3,555 |
| Loan and lease loss provision to assets | 0.2197% | 4,255 |
| Net operating income to assets | 1.0889% | 2,001 |
| Return on assets (ROA) | 1.0889% | 2,129 |
| Pretax return on assets | 1.1426% | 2,821 |
| Return on Equity (ROE) | 10.3014% | 2,199 |
| Retained earnings to average equity (ytd only) | -10.7172% | 7,179 |
| Net charge-offs to loans | 0.0122% | 5,441 |
| Credit loss provision to net charge-offs | 2,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 139.5000% | 313 |
| Efficiency ratio | 69.1372% | 4,750 |
| Assets per employee ($millions) | 2.8927% | 6,428 |
| Cash dividends to net income (ytd only)* | 204.0359% | 288 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3703% | 3,677 |
| Loan loss allowance to noncurrent loans | 70.8432% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.5667% | 3,578 |
| Noncurrent loans to loans | 1.9342% | 3,363 |
| Net loans and leases to total assets | 79.8916% | 1,409 |
| Net loans and leases to deposits | 105.7544% | 885 |
| Net loans and leases to core deposits | 120.7483% | 2,353 |
| Total domestic deposits to total assets | 75.5445% | 6,592 |
| Equity capital to assets | 10.5561% | 3,405 |
| Core capital (leverage) ratio | 10.2298% | 3,171 |
| Tier 1 risk-based capital ratio | 12.0913% | 4,883 |
| Total risk-based capital ratio | 13.3418% | 4,781 |
| Memoranda: |
| Average total assets | $81,915,500 | 5,759 |
| Average earning assets | $75,516,500 | 5,713 |
| Average equity | $8,659,000 | 5,827 |
| Average total loans | $65,634,500 | 5,146 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5813% | 2,570 |
| Cost of funding earning assets | 1.9851% | 6,456 |
| Net interest margin | 4.5962% | 1,187 |
| Noninterest income to average assets | 0.4041% | 5,433 |
| Noninterest expense to average assets | 2.9288% | 4,339 |
| Loan and lease loss provision to assets | 0.1684% | 5,225 |
| Net operating income to assets | 1.4707% | 1,075 |
| Return on assets (ROA) | 1.4731% | 1,031 |
| Pretax return on assets | 1.5405% | 1,563 |
| Return on Equity (ROE) | 14.4345% | 1,023 |
| Retained earnings to average equity (ytd only) | 9.3989% | 537 |
| Net charge-offs to loans | 0.0355% | 6,307 |
| Credit loss provision to net charge-offs | 586.9565% | 743 |
| Earnings coverage of net charge-offs (x) | 59.4783% | 673 |
| Efficiency ratio | 63.1862% | 5,741 |
| Assets per employee ($millions) | 2.9584% | 6,155 |
| Cash dividends to net income (ytd only)* | 34.8857% | 3,901 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3037% | 3,754 |
| Loan loss allowance to noncurrent loans | 138.2876% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 4,980 |
| Noncurrent loans to loans | 0.9427% | 4,722 |
| Net loans and leases to total assets | 78.2338% | 2,074 |
| Net loans and leases to deposits | 105.4151% | 1,176 |
| Net loans and leases to core deposits | 117.9216% | 2,897 |
| Total domestic deposits to total assets | 74.2150% | 6,617 |
| Equity capital to assets | 10.5849% | 3,410 |
| Core capital (leverage) ratio | 10.4691% | 2,999 |
| Tier 1 risk-based capital ratio | 12.2520% | 4,623 |
| Total risk-based capital ratio | 13.4802% | 4,533 |
| Memoranda: |
| Average total assets | $80,169,200 | 5,701 |
| Average earning assets | $73,800,000 | 5,670 |
| Average equity | $8,181,800 | 6,010 |
| Average total loans | $64,813,600 | 5,060 |
