| 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 | 5.5675% | 1,079 |
| Cost of funding earning assets | 1.6710% | 1,516 |
| Net interest margin | 3.8966% | 1,385 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.9934% | 1,132 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.9367% | 2,419 |
| Return on assets (ROA) | 0.9875% | 2,243 |
| Pretax return on assets | 1.2340% | 2,052 |
| Return on Equity (ROE) | 12.9400% | 1,742 |
| Retained earnings to average equity (ytd only) | 9.4897% | 1,138 |
| Net charge-offs to loans | 0.0965% | 930 |
| Credit loss provision to net charge-offs | 114.2857% | 1,721 |
| Earnings coverage of net charge-offs (x) | 17.6476% | 1,967 |
| Efficiency ratio | 70.5171% | 1,814 |
| Assets per employee ($millions) | 4.7381% | 3,813 |
| Cash dividends to net income (ytd only)* | 26.6758% | 2,683 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3166% | 1,693 |
| Loan loss allowance to noncurrent loans | 513.2653% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 1,598 |
| Noncurrent loans to loans | 0.2565% | 2,262 |
| Net loans and leases to total assets | 72.3400% | 1,541 |
| Net loans and leases to deposits | 81.8177% | 1,964 |
| Net loans and leases to core deposits | 89.8771% | 2,057 |
| Total domestic deposits to total assets | 88.4100% | 1,228 |
| Equity capital to assets | 7.7925% | 3,548 |
| Core capital (leverage) ratio | 9.4852% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $148,058,000 | 3,385 |
| Average earning assets | $138,661,000 | 3,360 |
| Average equity | $11,296,400 | 3,592 |
| Average total loans | $108,764,000 | 3,078 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4422% | 1,080 |
| Cost of funding earning assets | 1.5647% | 1,444 |
| Net interest margin | 3.8775% | 1,451 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.0368% | 1,016 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.8934% | 2,704 |
| Return on assets (ROA) | 0.9453% | 2,517 |
| Pretax return on assets | 1.1791% | 2,347 |
| Return on Equity (ROE) | 12.4600% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.8241% | 1,454 |
| Net charge-offs to loans | 0.1143% | 698 |
| Credit loss provision to net charge-offs | 97.8261% | 1,644 |
| Earnings coverage of net charge-offs (x) | 14.2391% | 2,001 |
| Efficiency ratio | 71.7368% | 1,602 |
| Assets per employee ($millions) | 4.5793% | 3,892 |
| Cash dividends to net income (ytd only)* | 21.1594% | 2,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3242% | 1,761 |
| Loan loss allowance to noncurrent loans | 174.7073% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 779 |
| Noncurrent loans to loans | 0.7580% | 1,096 |
| Net loans and leases to total assets | 73.5700% | 1,396 |
| Net loans and leases to deposits | 83.1323% | 1,816 |
| Net loans and leases to core deposits | 91.6470% | 1,822 |
| Total domestic deposits to total assets | 88.5000% | 1,411 |
| Equity capital to assets | 7.4511% | 3,382 |
| Core capital (leverage) ratio | 9.5604% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $145,983,500 | 3,408 |
| Average earning assets | $136,509,500 | 3,386 |
| Average equity | $11,074,500 | 3,608 |
| Average total loans | $107,301,750 | 3,099 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2857% | 1,098 |
| Cost of funding earning assets | 1.4422% | 1,362 |
| Net interest margin | 3.8435% | 1,537 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.0595% | 958 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8833% | 2,814 |
| Return on assets (ROA) | 0.9288% | 2,643 |
| Pretax return on assets | 1.1575% | 2,483 |
| Return on Equity (ROE) | 12.1700% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.4800% | 1,553 |
| Net charge-offs to loans | 0.0114% | 1,771 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 142.3333% | 774 |
| Efficiency ratio | 72.1006% | 1,547 |
| Assets per employee ($millions) | 4.5803% | 3,893 |
| Cash dividends to net income (ytd only)* | 22.0896% | 2,371 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4134% | 1,478 |
| Loan loss allowance to noncurrent loans | 166.0944% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6359% | 839 |
| Noncurrent loans to loans | 0.8510% | 896 |
| Net loans and leases to total assets | 73.6700% | 1,331 |
| Net loans and leases to deposits | 83.5205% | 1,718 |
| Net loans and leases to core deposits | 87.6396% | 1,950 |
| Total domestic deposits to total assets | 88.2000% | 1,531 |
| Equity capital to assets | 7.6462% | 3,438 |
| Core capital (leverage) ratio | 9.6714% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $144,272,000 | 3,433 |
| Average earning assets | $134,930,333 | 3,414 |
| Average equity | $11,012,667 | 3,632 |
| Average total loans | $105,512,667 | 3,115 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9560% | 1,311 |
| Cost of funding earning assets | 1.2495% | 1,341 |
| Net interest margin | 3.7066% | 1,885 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 3.0994% | 939 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.7865% | 3,236 |
| Return on assets (ROA) | 0.9251% | 2,729 |
| Pretax return on assets | 1.1515% | 2,557 |
| Return on Equity (ROE) | 12.1300% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.5277% | 1,810 |
| Net charge-offs to loans | 0.0309% | 1,088 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 1,120 |
| Efficiency ratio | 74.4795% | 1,286 |
| Assets per employee ($millions) | 4.5098% | 4,016 |
| Cash dividends to net income (ytd only)* | 21.4502% | 1,943 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4577% | 1,409 |
| Loan loss allowance to noncurrent loans | 246.1039% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 1,209 |
| Noncurrent loans to loans | 0.5923% | 1,257 |
| Net loans and leases to total assets | 71.0200% | 1,519 |
| Net loans and leases to deposits | 80.4537% | 1,784 |
| Net loans and leases to core deposits | 88.5531% | 1,706 |
| Total domestic deposits to total assets | 88.2700% | 1,833 |
| Equity capital to assets | 7.8365% | 3,353 |
| Core capital (leverage) ratio | 9.6507% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $143,123,000 | 3,491 |
| Average earning assets | $133,816,500 | 3,470 |
| Average equity | $10,915,500 | 3,682 |
| Average total loans | $103,509,000 | 3,166 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8555% | 385 |
| Cost of funding earning assets | 0.3870% | 2,202 |
| Net interest margin | 4.4685% | 311 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.9473% | 1,053 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3590% | 1,248 |
| Return on assets (ROA) | 1.2335% | 1,601 |
| Pretax return on assets | 1.5301% | 1,363 |
| Return on Equity (ROE) | 15.2800% | 1,186 |
| Retained earnings to average equity (ytd only) | 11.7588% | 721 |
| Net charge-offs to loans | 0.0511% | 1,156 |
| Credit loss provision to net charge-offs | 250.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 50.0833% | 1,363 |
| Efficiency ratio | 62.4316% | 2,706 |
| Assets per employee ($millions) | 4.4354% | 4,080 |
| Cash dividends to net income (ytd only)* | 23.0263% | 2,766 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4503% | 1,335 |
| Loan loss allowance to noncurrent loans | 236.7670% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 1,144 |
| Noncurrent loans to loans | 0.6125% | 1,218 |
| Net loans and leases to total assets | 71.5300% | 1,469 |
| Net loans and leases to deposits | 80.7531% | 1,717 |
| Net loans and leases to core deposits | 88.0939% | 1,601 |
| Total domestic deposits to total assets | 88.5800% | 1,852 |
| Equity capital to assets | 7.4133% | 3,427 |
| Core capital (leverage) ratio | 9.6528% | 2,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $135,549,800 | 3,583 |
| Average earning assets | $126,372,800 | 3,563 |
| Average equity | $10,945,000 | 3,763 |
| Average total loans | $93,846,600 | 3,235 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7502% | 317 |
| Cost of funding earning assets | 0.3023% | 2,137 |
| Net interest margin | 4.4479% | 261 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.8805% | 1,093 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4021% | 1,088 |
| Return on assets (ROA) | 1.2521% | 1,486 |
| Pretax return on assets | 1.5527% | 1,257 |
| Return on Equity (ROE) | 15.1800% | 1,135 |
| Retained earnings to average equity (ytd only) | 12.4996% | 693 |
| Net charge-offs to loans | 0.0160% | 1,538 |
| Credit loss provision to net charge-offs | 818.1818% | 465 |
| Earnings coverage of net charge-offs (x) | 166.9091% | 703 |
| Efficiency ratio | 61.1839% | 2,941 |
| Assets per employee ($millions) | 4.4458% | 4,095 |
| Cash dividends to net income (ytd only)* | 17.6471% | 2,569 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5378% | 1,196 |
| Loan loss allowance to noncurrent loans | 208.4722% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 1,042 |
| Noncurrent loans to loans | 0.7376% | 1,100 |
| Net loans and leases to total assets | 69.7300% | 1,498 |
| Net loans and leases to deposits | 79.5871% | 1,598 |
| Net loans and leases to core deposits | 83.8989% | 1,660 |
| Total domestic deposits to total assets | 87.6200% | 2,547 |
| Equity capital to assets | 7.5693% | 3,173 |
| Core capital (leverage) ratio | 9.8206% | 2,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $133,953,750 | 3,620 |
| Average earning assets | $124,820,000 | 3,601 |
| Average equity | $11,050,750 | 3,803 |
| Average total loans | $91,554,250 | 3,273 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6539% | 276 |
| Cost of funding earning assets | 0.2944% | 1,772 |
| Net interest margin | 4.3595% | 244 |
| Noninterest income to average assets | 0.5970% | 1,753 |
| Noninterest expense to average assets | 2.8101% | 1,156 |
| Loan and lease loss provision to assets | 0.0905% | 1,095 |
| Net operating income to assets | 1.4225% | 853 |
| Return on assets (ROA) | 1.1819% | 1,469 |
| Pretax return on assets | 1.4623% | 1,277 |
| Return on Equity (ROE) | 13.9291% | 1,129 |
| Retained earnings to average equity (ytd only) | 11.4062% | 717 |
| Net charge-offs to loans | 0.0067% | 1,758 |
| Credit loss provision to net charge-offs | 2,000.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 310 |
| Efficiency ratio | 60.3041% | 3,262 |
| Assets per employee ($millions) | 4.3023% | 4,205 |
| Cash dividends to net income (ytd only)* | 18.1122% | 2,536 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5819% | 1,194 |
| Loan loss allowance to noncurrent loans | 174.8227% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 871 |
| Noncurrent loans to loans | 0.9049% | 929 |
| Net loans and leases to total assets | 68.9933% | 1,397 |
| Net loans and leases to deposits | 77.7256% | 1,561 |
| Net loans and leases to core deposits | 81.9305% | 1,597 |
| Total domestic deposits to total assets | 88.7652% | 2,273 |
| Equity capital to assets | 7.8765% | 3,217 |
| Core capital (leverage) ratio | 9.6583% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $132,665,333 | 3,672 |
| Average earning assets | $123,638,000 | 3,653 |
| Average equity | $11,257,000 | 3,855 |
| Average total loans | $89,536,333 | 3,333 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4655% | 336 |
| Cost of funding earning assets | 0.2852% | 1,773 |
| Net interest margin | 4.1803% | 294 |
| Noninterest income to average assets | 0.6863% | 1,362 |
| Noninterest expense to average assets | 2.7299% | 1,293 |
| Loan and lease loss provision to assets | 0.0907% | 911 |
| Net operating income to assets | 1.4268% | 744 |
| Return on assets (ROA) | 1.1427% | 1,397 |
| Pretax return on assets | 1.4148% | 1,213 |
| Return on Equity (ROE) | 12.9975% | 1,035 |
| Retained earnings to average equity (ytd only) | 10.5562% | 886 |
| Net charge-offs to loans | 0.0046% | 1,596 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 614.0000% | 165 |
| Efficiency ratio | 59.5254% | 3,532 |
| Assets per employee ($millions) | 4.4321% | 4,172 |
| Cash dividends to net income (ytd only)* | 18.7831% | 2,008 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6549% | 1,148 |
| Loan loss allowance to noncurrent loans | 223.2308% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 1,230 |
| Noncurrent loans to loans | 0.7413% | 1,288 |
| Net loans and leases to total assets | 64.8516% | 1,520 |
| Net loans and leases to deposits | 72.9287% | 1,709 |
| Net loans and leases to core deposits | 75.9491% | 1,785 |
| Total domestic deposits to total assets | 88.9247% | 2,119 |
| Equity capital to assets | 8.3385% | 3,292 |
| Core capital (leverage) ratio | 9.4115% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8007% | 2,303 |
| Memoranda: |
| Average total assets | $132,312,500 | 3,701 |
| Average earning assets | $123,436,000 | 3,679 |
| Average equity | $11,633,000 | 3,893 |
| Average total loans | $87,556,500 | 3,364 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2989% | 855 |
| Cost of funding earning assets | 0.4250% | 1,358 |
| Net interest margin | 3.8739% | 881 |
| Noninterest income to average assets | 0.8022% | 1,438 |
| Noninterest expense to average assets | 2.7000% | 1,635 |
| Loan and lease loss provision to assets | 0.1853% | 605 |
| Net operating income to assets | 1.2646% | 1,706 |
| Return on assets (ROA) | 1.2840% | 1,705 |
| Pretax return on assets | 1.5936% | 1,444 |
| Return on Equity (ROE) | 14.0710% | 1,166 |
| Retained earnings to average equity (ytd only) | 10.9065% | 720 |
| Net charge-offs to loans | 0.0473% | 1,352 |
| Credit loss provision to net charge-offs | 600.0000% | 725 |
| Earnings coverage of net charge-offs (x) | 56.8250% | 1,216 |
| Efficiency ratio | 60.6066% | 3,059 |
| Assets per employee ($millions) | 4.3888% | 4,198 |
| Cash dividends to net income (ytd only)* | 22.4895% | 2,919 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6275% | 1,199 |
| Loan loss allowance to noncurrent loans | 376.4550% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 2,102 |
| Noncurrent loans to loans | 0.4323% | 2,059 |
| Net loans and leases to total assets | 65.3266% | 1,552 |
| Net loans and leases to deposits | 74.1986% | 1,709 |
| Net loans and leases to core deposits | 77.8641% | 1,774 |
| Total domestic deposits to total assets | 88.0430% | 2,020 |
| Equity capital to assets | 9.2501% | 3,371 |
| Core capital (leverage) ratio | 9.3100% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5911% | 2,418 |
| Memoranda: |
| Average total assets | $129,516,400 | 3,686 |
| Average earning assets | $122,123,800 | 3,660 |
| Average equity | $11,818,600 | 3,953 |
| Average total loans | $84,587,400 | 3,408 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1859% | 1,131 |
| Cost of funding earning assets | 0.4594% | 1,291 |
| Net interest margin | 3.7265% | 1,283 |
| Noninterest income to average assets | 0.8218% | 1,465 |
| Noninterest expense to average assets | 2.6722% | 1,655 |
| Loan and lease loss provision to assets | 0.1551% | 713 |
| Net operating income to assets | 1.2251% | 2,084 |
| Return on assets (ROA) | 1.2477% | 2,063 |
| Pretax return on assets | 1.5444% | 1,867 |
| Return on Equity (ROE) | 13.7212% | 1,476 |
| Retained earnings to average equity (ytd only) | 11.2998% | 992 |
| Net charge-offs to loans | 0.0636% | 1,007 |
| Credit loss provision to net charge-offs | 375.0000% | 894 |
| Earnings coverage of net charge-offs (x) | 40.4250% | 1,365 |
| Efficiency ratio | 61.5183% | 2,765 |
| Assets per employee ($millions) | 4.3627% | 4,220 |
| Cash dividends to net income (ytd only)* | 17.6471% | 2,645 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5985% | 1,344 |
| Loan loss allowance to noncurrent loans | 303.4169% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3354% | 2,108 |
| Noncurrent loans to loans | 0.5268% | 1,990 |
| Net loans and leases to total assets | 62.6513% | 1,928 |
| Net loans and leases to deposits | 71.2209% | 2,128 |
| Net loans and leases to core deposits | 74.4956% | 2,187 |
| Total domestic deposits to total assets | 87.9676% | 1,869 |
| Equity capital to assets | 9.2994% | 3,559 |
| Core capital (leverage) ratio | 9.0664% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $128,979,750 | 3,726 |
| Average earning assets | $121,897,500 | 3,699 |
| Average equity | $11,728,500 | 4,017 |
| Average total loans | $83,875,750 | 3,462 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1897% | 1,207 |
| Cost of funding earning assets | 0.4966% | 1,221 |
| Net interest margin | 3.6931% | 1,368 |
| Noninterest income to average assets | 0.8197% | 1,479 |
| Noninterest expense to average assets | 2.6725% | 1,658 |
| Loan and lease loss provision to assets | 0.1870% | 606 |
| Net operating income to assets | 1.1787% | 2,265 |
| Return on assets (ROA) | 1.2014% | 2,260 |
| Pretax return on assets | 1.4882% | 2,054 |
| Return on Equity (ROE) | 13.3149% | 1,620 |
| Retained earnings to average equity (ytd only) | 10.8626% | 1,156 |
| Net charge-offs to loans | 0.0595% | 1,021 |
| Credit loss provision to net charge-offs | 480.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 42.2800% | 1,136 |
| Efficiency ratio | 61.8687% | 2,746 |
| Assets per employee ($millions) | 4.5369% | 4,080 |
| Cash dividends to net income (ytd only)* | 18.4176% | 2,582 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5640% | 1,379 |
| Loan loss allowance to noncurrent loans | 280.8102% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 2,069 |
| Noncurrent loans to loans | 0.5570% | 2,004 |
| Net loans and leases to total assets | 62.9987% | 2,064 |
| Net loans and leases to deposits | 71.3740% | 2,267 |
| Net loans and leases to core deposits | 74.9372% | 2,337 |
| Total domestic deposits to total assets | 88.2657% | 1,691 |
| Equity capital to assets | 9.0005% | 3,795 |
| Core capital (leverage) ratio | 9.0184% | 3,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $128,346,333 | 3,745 |
| Average earning assets | $121,631,000 | 3,716 |
| Average equity | $11,581,000 | 4,039 |
| Average total loans | $84,057,667 | 3,478 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1361% | 1,311 |
| Cost of funding earning assets | 0.5212% | 1,265 |
| Net interest margin | 3.6150% | 1,544 |
| Noninterest income to average assets | 0.7891% | 1,611 |
| Noninterest expense to average assets | 2.7333% | 1,538 |
| Loan and lease loss provision to assets | 0.0947% | 1,412 |
| Net operating income to assets | 1.1263% | 2,395 |
| Return on assets (ROA) | 1.1110% | 2,520 |
| Pretax return on assets | 1.3793% | 2,338 |
| Return on Equity (ROE) | 12.2964% | 1,908 |
| Retained earnings to average equity (ytd only) | 9.8162% | 1,704 |
| Net charge-offs to loans | 0.0191% | 1,357 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 118.2500% | 554 |
| Efficiency ratio | 64.6751% | 2,383 |
| Assets per employee ($millions) | 4.6179% | 4,005 |
| Cash dividends to net income (ytd only)* | 20.1705% | 1,999 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4780% | 1,682 |
| Loan loss allowance to noncurrent loans | 251.6129% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 2,109 |
| Noncurrent loans to loans | 0.5874% | 2,103 |
| Net loans and leases to total assets | 64.3398% | 2,005 |
| Net loans and leases to deposits | 73.8139% | 2,135 |
| Net loans and leases to core deposits | 77.7801% | 2,206 |
| Total domestic deposits to total assets | 87.1648% | 2,244 |
| Equity capital to assets | 8.8321% | 3,854 |
| Core capital (leverage) ratio | 8.9494% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $126,734,000 | 3,770 |
| Average earning assets | $120,499,500 | 3,734 |
| Average equity | $11,450,500 | 4,061 |
| Average total loans | $83,984,000 | 3,495 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9576% | 530 |
| Cost of funding earning assets | 0.7053% | 1,698 |
| Net interest margin | 4.2523% | 561 |
| Noninterest income to average assets | 0.7290% | 1,748 |
| Noninterest expense to average assets | 3.0228% | 1,388 |
| Loan and lease loss provision to assets | 0.3162% | 1,176 |
| Net operating income to assets | 1.1641% | 1,668 |
| Return on assets (ROA) | 1.2230% | 1,584 |
| Pretax return on assets | 1.5127% | 1,293 |
| Return on Equity (ROE) | 13.3574% | 951 |
| Retained earnings to average equity (ytd only) | 10.0437% | 576 |
| Net charge-offs to loans | 0.1095% | 1,376 |
| Credit loss provision to net charge-offs | 411.1111% | 1,407 |
| Earnings coverage of net charge-offs (x) | 22.8333% | 1,836 |
| Efficiency ratio | 63.2511% | 2,934 |
| Assets per employee ($millions) | 4.2816% | 4,140 |
| Cash dividends to net income (ytd only)* | 24.8078% | 3,062 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4630% | 1,720 |
| Loan loss allowance to noncurrent loans | 246.8687% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 2,118 |
| Noncurrent loans to loans | 0.5926% | 2,218 |
| Net loans and leases to total assets | 66.2865% | 2,051 |
| Net loans and leases to deposits | 76.4975% | 2,230 |
| Net loans and leases to core deposits | 80.5177% | 2,316 |
| Total domestic deposits to total assets | 86.6518% | 2,096 |
| Equity capital to assets | 9.2464% | 3,842 |
| Core capital (leverage) ratio | 9.0299% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2400% | 2,534 |
| Memoranda: |
| Average total assets | $117,008,800 | 3,782 |
| Average earning assets | $111,445,000 | 3,743 |
| Average equity | $10,713,200 | 4,120 |
| Average total loans | $82,222,600 | 3,519 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1067% | 496 |
| Cost of funding earning assets | 0.7439% | 1,780 |
| Net interest margin | 4.3627% | 508 |
| Noninterest income to average assets | 0.5277% | 2,489 |
| Noninterest expense to average assets | 2.9346% | 1,602 |
| Loan and lease loss provision to assets | 0.3932% | 914 |
| Net operating income to assets | 1.0968% | 1,992 |
| Return on assets (ROA) | 1.1155% | 2,053 |
| Pretax return on assets | 1.3759% | 1,806 |
| Return on Equity (ROE) | 12.2162% | 1,314 |
| Retained earnings to average equity (ytd only) | 9.5170% | 865 |
| Net charge-offs to loans | 0.0863% | 1,445 |
| Credit loss provision to net charge-offs | 641.5094% | 1,130 |
| Earnings coverage of net charge-offs (x) | 28.4717% | 1,633 |
| Efficiency ratio | 62.6947% | 2,956 |
| Assets per employee ($millions) | 4.1864% | 4,156 |
| Cash dividends to net income (ytd only)* | 22.0954% | 2,693 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4400% | 1,570 |
| Loan loss allowance to noncurrent loans | 162.1372% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 1,664 |
| Noncurrent loans to loans | 0.8881% | 1,685 |
| Net loans and leases to total assets | 71.7608% | 1,704 |
| Net loans and leases to deposits | 83.1904% | 1,998 |
| Net loans and leases to core deposits | 87.8985% | 2,156 |
| Total domestic deposits to total assets | 86.2609% | 1,954 |
| Equity capital to assets | 9.5436% | 3,648 |
| Core capital (leverage) ratio | 8.8670% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $115,219,250 | 3,801 |
| Average earning assets | $109,684,250 | 3,759 |
| Average equity | $10,521,250 | 4,153 |
| Average total loans | $81,896,250 | 3,543 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8244% | 1,108 |
| Cost of funding earning assets | 0.7906% | 1,870 |
| Net interest margin | 4.0338% | 1,254 |
| Noninterest income to average assets | 0.6704% | 1,854 |
| Noninterest expense to average assets | 2.9262% | 1,769 |
| Loan and lease loss provision to assets | 0.1048% | 2,964 |
| Net operating income to assets | 1.1991% | 1,640 |
| Return on assets (ROA) | 1.0860% | 2,137 |
| Pretax return on assets | 1.3391% | 1,911 |
| Return on Equity (ROE) | 12.0785% | 1,319 |
| Retained earnings to average equity (ytd only) | 9.3210% | 932 |
| Net charge-offs to loans | 0.0372% | 1,994 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 60.4667% | 962 |
| Efficiency ratio | 64.8858% | 2,678 |
| Assets per employee ($millions) | 4.3432% | 3,965 |
| Cash dividends to net income (ytd only)* | 22.8296% | 2,635 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1719% | 2,653 |
| Loan loss allowance to noncurrent loans | 110.7744% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 1,617 |
| Noncurrent loans to loans | 1.0579% | 1,473 |
| Net loans and leases to total assets | 68.4442% | 2,275 |
| Net loans and leases to deposits | 78.5918% | 2,590 |
| Net loans and leases to core deposits | 82.7049% | 2,724 |
| Total domestic deposits to total assets | 87.0882% | 1,580 |
| Equity capital to assets | 8.8784% | 4,188 |
| Core capital (leverage) ratio | 9.5138% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $114,552,333 | 3,792 |
| Average earning assets | $109,028,667 | 3,755 |
| Average equity | $10,299,333 | 4,191 |
| Average total loans | $80,746,000 | 3,562 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9291% | 1,120 |
| Cost of funding earning assets | 0.8569% | 2,082 |
| Net interest margin | 4.0722% | 1,193 |
| Noninterest income to average assets | 0.9692% | 915 |
| Noninterest expense to average assets | 3.0372% | 1,791 |
| Loan and lease loss provision to assets | 0.1081% | 2,325 |
| Net operating income to assets | 1.3846% | 1,026 |
| Return on assets (ROA) | 1.0448% | 2,121 |
| Pretax return on assets | 1.2790% | 1,934 |
| Return on Equity (ROE) | 11.5417% | 1,248 |
| Retained earnings to average equity (ytd only) | 8.7160% | 1,045 |
| Net charge-offs to loans | 0.0304% | 1,775 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 83.3333% | 654 |
| Efficiency ratio | 62.7699% | 3,408 |
| Assets per employee ($millions) | 3.9919% | 3,926 |
| Cash dividends to net income (ytd only)* | 24.4828% | 2,260 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2238% | 2,537 |
| Loan loss allowance to noncurrent loans | 102.3305% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8500% | 1,575 |
| Noncurrent loans to loans | 1.1960% | 1,364 |
| Net loans and leases to total assets | 67.3479% | 2,640 |
| Net loans and leases to deposits | 77.8904% | 2,898 |
| Net loans and leases to core deposits | 82.1915% | 3,010 |
| Total domestic deposits to total assets | 86.4649% | 1,800 |
| Equity capital to assets | 8.6087% | 4,787 |
| Core capital (leverage) ratio | 9.2738% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $111,023,500 | 3,831 |
| Average earning assets | $105,495,000 | 3,793 |
| Average equity | $10,050,500 | 4,236 |
| Average total loans | $79,008,000 | 3,598 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2066% | 977 |
| Cost of funding earning assets | 0.8202% | 2,585 |
| Net interest margin | 4.3864% | 919 |
| Noninterest income to average assets | 0.4468% | 3,018 |
| Noninterest expense to average assets | 3.0018% | 2,014 |
| Loan and lease loss provision to assets | 0.3526% | 431 |
| Net operating income to assets | 0.9935% | 2,873 |
| Return on assets (ROA) | 1.1559% | 2,327 |
| Pretax return on assets | 1.4653% | 1,916 |
| Return on Equity (ROE) | 12.5621% | 1,310 |
| Retained earnings to average equity (ytd only) | 8.8133% | 760 |
| Net charge-offs to loans | 0.1604% | 1,254 |
| Credit loss provision to net charge-offs | 298.3740% | 939 |
| Earnings coverage of net charge-offs (x) | 13.6423% | 2,339 |
| Efficiency ratio | 65.0562% | 2,923 |
| Assets per employee ($millions) | 3.7958% | 4,151 |
| Cash dividends to net income (ytd only)* | 29.8421% | 3,090 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1911% | 2,484 |
| Loan loss allowance to noncurrent loans | 89.1202% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 1.0322% | 1,206 |
| Noncurrent loans to loans | 1.3366% | 1,117 |
| Net loans and leases to total assets | 73.5240% | 1,834 |
| Net loans and leases to deposits | 86.4757% | 2,030 |
| Net loans and leases to core deposits | 91.7644% | 2,252 |
| Total domestic deposits to total assets | 85.0227% | 2,481 |
| Equity capital to assets | 9.5360% | 4,322 |
| Core capital (leverage) ratio | 9.2938% | 4,290 |
| Tier 1 risk-based capital ratio | 11.9281% | 4,402 |
| Total risk-based capital ratio | 13.0625% | 4,343 |
| Memoranda: |
| Average total assets | $104,071,400 | 3,938 |
| Average earning assets | $98,873,600 | 3,892 |
| Average equity | $9,576,400 | 4,298 |
| Average total loans | $76,675,800 | 3,656 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1827% | 1,077 |
| Cost of funding earning assets | 0.8037% | 2,700 |
| Net interest margin | 4.3790% | 992 |
| Noninterest income to average assets | 0.4263% | 3,168 |
| Noninterest expense to average assets | 3.0370% | 1,864 |
| Loan and lease loss provision to assets | 0.1674% | 1,111 |
| Net operating income to assets | 1.1259% | 2,470 |
| Return on assets (ROA) | 1.1270% | 2,556 |
| Pretax return on assets | 1.3846% | 2,366 |
| Return on Equity (ROE) | 12.3627% | 1,497 |
| Retained earnings to average equity (ytd only) | 9.8619% | 790 |
| Net charge-offs to loans | 0.2068% | 850 |
| Credit loss provision to net charge-offs | 110.1695% | 2,088 |
| Earnings coverage of net charge-offs (x) | 10.2033% | 2,511 |
| Efficiency ratio | 66.1988% | 2,699 |
| Assets per employee ($millions) | 3.8070% | 4,156 |
| Cash dividends to net income (ytd only)* | 20.2282% | 3,029 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9146% | 3,987 |
| Loan loss allowance to noncurrent loans | 58.9064% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.3687% | 857 |
| Noncurrent loans to loans | 1.5527% | 957 |
| Net loans and leases to total assets | 72.2614% | 2,136 |
| Net loans and leases to deposits | 84.2663% | 2,426 |
| Net loans and leases to core deposits | 86.7275% | 2,847 |
| Total domestic deposits to total assets | 85.7536% | 2,100 |
| Equity capital to assets | 9.3710% | 4,550 |
| Core capital (leverage) ratio | 9.0900% | 4,565 |
| Tier 1 risk-based capital ratio | 11.6132% | 4,613 |
| Total risk-based capital ratio | 12.4594% | 4,706 |
| Memoranda: |
| Average total assets | $103,519,000 | 3,993 |
| Average earning assets | $98,375,500 | 3,933 |
| Average equity | $9,436,750 | 4,362 |
| Average total loans | $76,073,750 | 3,704 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0709% | 1,300 |
| Cost of funding earning assets | 0.7710% | 2,797 |
| Net interest margin | 4.2999% | 1,147 |
| Noninterest income to average assets | 0.4078% | 3,227 |
| Noninterest expense to average assets | 3.0538% | 1,856 |
| Loan and lease loss provision to assets | 0.1795% | 998 |
| Net operating income to assets | 1.0365% | 2,779 |
| Return on assets (ROA) | 1.0381% | 2,846 |
| Pretax return on assets | 1.2684% | 2,681 |
| Return on Equity (ROE) | 11.4994% | 1,787 |
| Retained earnings to average equity (ytd only) | 8.9488% | 1,040 |
| Net charge-offs to loans | 0.3099% | 555 |
| Credit loss provision to net charge-offs | 78.6325% | 2,236 |
| Earnings coverage of net charge-offs (x) | 6.3333% | 2,582 |
| Efficiency ratio | 67.8664% | 2,554 |
| Assets per employee ($millions) | 3.8979% | 4,000 |
| Cash dividends to net income (ytd only)* | 22.1805% | 2,951 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8724% | 4,190 |
| Loan loss allowance to noncurrent loans | 86.6152% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 1,329 |
| Noncurrent loans to loans | 1.0072% | 1,627 |
| Net loans and leases to total assets | 72.6623% | 2,122 |
| Net loans and leases to deposits | 84.4565% | 2,442 |
| Net loans and leases to core deposits | 88.9540% | 2,704 |
| Total domestic deposits to total assets | 86.0352% | 2,018 |
| Equity capital to assets | 9.1750% | 4,676 |
| Core capital (leverage) ratio | 9.0989% | 4,550 |
| Tier 1 risk-based capital ratio | 11.5233% | 4,670 |
| Total risk-based capital ratio | 12.3419% | 4,781 |
| Memoranda: |
| Average total assets | $102,493,670 | 4,025 |
| Average earning assets | $97,536,330 | 3,978 |
| Average equity | $9,252,670 | 4,403 |
| Average total loans | $75,519,000 | 3,738 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9887% | 1,359 |
| Cost of funding earning assets | 0.7365% | 2,854 |
| Net interest margin | 4.2523% | 1,190 |
| Noninterest income to average assets | 0.3916% | 3,241 |
| Noninterest expense to average assets | 2.9826% | 2,041 |
| Loan and lease loss provision to assets | 0.2373% | 635 |
| Net operating income to assets | 0.9968% | 2,853 |
| Return on assets (ROA) | 0.9968% | 2,892 |
| Pretax return on assets | 1.2144% | 2,750 |
| Return on Equity (ROE) | 11.1369% | 1,896 |
| Retained earnings to average equity (ytd only) | 8.5294% | 1,481 |
| Net charge-offs to loans | 0.2731% | 541 |
| Credit loss provision to net charge-offs | 117.6471% | 1,428 |
| Earnings coverage of net charge-offs (x) | 7.1961% | 2,149 |
| Efficiency ratio | 67.2614% | 2,747 |
| Assets per employee ($millions) | 3.6811% | 4,368 |
| Cash dividends to net income (ytd only)* | 23.4127% | 2,382 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9317% | 4,031 |
| Loan loss allowance to noncurrent loans | 70.3777% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.2855% | 1,026 |
| Noncurrent loans to loans | 1.3239% | 1,234 |
| Net loans and leases to total assets | 73.0354% | 1,972 |
| Net loans and leases to deposits | 84.1614% | 2,370 |
| Net loans and leases to core deposits | 86.4421% | 2,834 |
| Total domestic deposits to total assets | 86.7801% | 1,920 |
| Equity capital to assets | 8.9811% | 4,699 |
| Core capital (leverage) ratio | 9.1911% | 4,482 |
| Tier 1 risk-based capital ratio | 11.3218% | 4,827 |
| Total risk-based capital ratio | 12.1881% | 4,909 |
| Memoranda: |
| Average total assets | $101,119,000 | 4,091 |
| Average earning assets | $96,136,500 | 4,042 |
| Average equity | $9,051,000 | 4,460 |
| Average total loans | $74,706,000 | 3,786 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9115% | 1,252 |
| Cost of funding earning assets | 0.5756% | 2,881 |
| Net interest margin | 4.3359% | 1,080 |
| Noninterest income to average assets | 0.5377% | 2,622 |
| Noninterest expense to average assets | 3.3820% | 1,182 |
| Loan and lease loss provision to assets | 0.1263% | 1,735 |
| Net operating income to assets | 0.9826% | 3,090 |
| Return on assets (ROA) | 0.9807% | 3,095 |
| Pretax return on assets | 1.1175% | 3,211 |
| Return on Equity (ROE) | 10.7043% | 2,206 |
| Retained earnings to average equity (ytd only) | 6.8108% | 1,746 |
| Net charge-offs to loans | 0.1095% | 1,650 |
| Credit loss provision to net charge-offs | 160.0000% | 1,736 |
| Earnings coverage of net charge-offs (x) | 15.7867% | 2,304 |
| Efficiency ratio | 73.0787% | 1,753 |
| Assets per employee ($millions) | 3.4195% | 4,641 |
| Cash dividends to net income (ytd only)* | 36.3734% | 2,725 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9520% | 3,953 |
| Loan loss allowance to noncurrent loans | 70.2513% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.2716% | 1,005 |
| Noncurrent loans to loans | 1.3551% | 1,154 |
| Net loans and leases to total assets | 73.3376% | 2,038 |
| Net loans and leases to deposits | 84.6981% | 2,439 |
| Net loans and leases to core deposits | 87.0824% | 2,828 |
| Total domestic deposits to total assets | 86.5871% | 1,972 |
| Equity capital to assets | 8.9194% | 4,639 |
| Core capital (leverage) ratio | 8.9319% | 4,709 |
| Tier 1 risk-based capital ratio | 11.0526% | 4,956 |
| Total risk-based capital ratio | 11.9360% | 5,012 |
| Memoranda: |
| Average total assets | $95,033,400 | 4,185 |
| Average earning assets | $89,647,600 | 4,147 |
| Average equity | $8,706,800 | 4,496 |
| Average total loans | $68,462,800 | 3,902 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8614% | 1,274 |
| Cost of funding earning assets | 0.5406% | 2,929 |
| Net interest margin | 4.3207% | 1,073 |
| Noninterest income to average assets | 0.5291% | 2,681 |
| Noninterest expense to average assets | 3.3886% | 1,135 |
| Loan and lease loss provision to assets | 0.1277% | 1,572 |
| Net operating income to assets | 0.8998% | 3,532 |
| Return on assets (ROA) | 0.9021% | 3,524 |
| Pretax return on assets | 1.0851% | 3,453 |
| Return on Equity (ROE) | 9.7781% | 2,716 |
| Retained earnings to average equity (ytd only) | 7.0568% | 2,098 |
| Net charge-offs to loans | 0.1012% | 1,481 |
| Credit loss provision to net charge-offs | 176.4706% | 1,522 |
| Earnings coverage of net charge-offs (x) | 16.7250% | 2,151 |
| Efficiency ratio | 73.6891% | 1,642 |
| Assets per employee ($millions) | 3.3252% | 4,749 |
| Cash dividends to net income (ytd only)* | 27.8297% | 2,656 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9615% | 3,999 |
| Loan loss allowance to noncurrent loans | 114.5695% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 1,286 |
| Noncurrent loans to loans | 0.8392% | 2,026 |
| Net loans and leases to total assets | 73.9192% | 1,996 |
| Net loans and leases to deposits | 85.5406% | 2,415 |
| Net loans and leases to core deposits | 88.2890% | 2,823 |
| Total domestic deposits to total assets | 86.4141% | 2,008 |
| Equity capital to assets | 9.0894% | 4,468 |
| Core capital (leverage) ratio | 9.5362% | 4,131 |
| Tier 1 risk-based capital ratio | 11.8674% | 4,573 |
| Total risk-based capital ratio | 12.7622% | 4,671 |
| Memoranda: |
| Average total assets | $94,000,250 | 4,240 |
| Average earning assets | $88,532,500 | 4,211 |
| Average equity | $8,672,250 | 4,548 |
| Average total loans | $67,222,250 | 3,965 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7656% | 1,339 |
| Cost of funding earning assets | 0.5113% | 2,920 |
| Net interest margin | 4.2543% | 1,149 |
| Noninterest income to average assets | 0.5494% | 2,582 |
| Noninterest expense to average assets | 3.3845% | 1,157 |
| Loan and lease loss provision to assets | 0.1288% | 1,540 |
| Net operating income to assets | 0.8692% | 3,585 |
| Return on assets (ROA) | 0.8692% | 3,589 |
| Pretax return on assets | 1.0366% | 3,550 |
| Return on Equity (ROE) | 9.3736% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.6425% | 2,236 |
| Net charge-offs to loans | 0.0213% | 2,457 |
| Credit loss provision to net charge-offs | 857.1429% | 470 |
| Earnings coverage of net charge-offs (x) | 77.5714% | 837 |
| Efficiency ratio | 74.3868% | 1,652 |
| Assets per employee ($millions) | 3.1273% | 4,989 |
| Cash dividends to net income (ytd only)* | 29.1358% | 2,624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0381% | 3,606 |
| Loan loss allowance to noncurrent loans | 200.5682% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0808% | 1,368 |
| Noncurrent loans to loans | 0.5176% | 2,865 |
| Net loans and leases to total assets | 71.7360% | 2,318 |
| Net loans and leases to deposits | 83.2904% | 2,612 |
| Net loans and leases to core deposits | 86.0981% | 2,911 |
| Total domestic deposits to total assets | 86.1275% | 2,222 |
| Equity capital to assets | 9.2572% | 4,328 |
| Core capital (leverage) ratio | 9.5518% | 4,062 |
| Tier 1 risk-based capital ratio | 12.0090% | 4,488 |
| Total risk-based capital ratio | 12.9516% | 4,562 |
| Memoranda: |
| Average total assets | $93,190,000 | 4,293 |
| Average earning assets | $87,628,330 | 4,264 |
| Average equity | $8,641,330 | 4,591 |
| Average total loans | $65,638,670 | 4,027 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6468% | 1,446 |
| Cost of funding earning assets | 0.5046% | 2,758 |
| Net interest margin | 4.1422% | 1,330 |
| Noninterest income to average assets | 0.5211% | 2,680 |
| Noninterest expense to average assets | 3.3378% | 1,275 |
| Loan and lease loss provision to assets | 0.1292% | 1,459 |
| Net operating income to assets | 0.7968% | 3,713 |
| Return on assets (ROA) | 0.7968% | 3,723 |
| Pretax return on assets | 0.9432% | 3,723 |
| Return on Equity (ROE) | 8.5852% | 3,114 |
| Retained earnings to average equity (ytd only) | 5.8472% | 2,782 |
| Net charge-offs to loans | 0.0124% | 2,312 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 124.5000% | 515 |
| Efficiency ratio | 75.6836% | 1,640 |
| Assets per employee ($millions) | 3.1434% | 5,050 |
| Cash dividends to net income (ytd only)* | 31.8919% | 2,095 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0387% | 3,737 |
| Loan loss allowance to noncurrent loans | 139.8357% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 1,237 |
| Noncurrent loans to loans | 0.7428% | 2,349 |
| Net loans and leases to total assets | 68.8034% | 2,660 |
| Net loans and leases to deposits | 79.7981% | 2,830 |
| Net loans and leases to core deposits | 81.5636% | 3,179 |
| Total domestic deposits to total assets | 86.2219% | 2,439 |
| Equity capital to assets | 9.0507% | 4,502 |
| Core capital (leverage) ratio | 9.4159% | 4,169 |
| Tier 1 risk-based capital ratio | 11.9319% | 4,586 |
| Total risk-based capital ratio | 12.8530% | 4,694 |
| Memoranda: |
| Average total assets | $92,875,500 | 4,351 |
| Average earning assets | $87,199,000 | 4,318 |
| Average equity | $8,619,500 | 4,639 |
| Average total loans | $64,454,000 | 4,083 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6157% | 1,383 |
| Cost of funding earning assets | 0.4322% | 2,937 |
| Net interest margin | 4.1834% | 1,225 |
| Noninterest income to average assets | 0.7534% | 1,761 |
| Noninterest expense to average assets | 3.2923% | 1,387 |
| Loan and lease loss provision to assets | 0.1343% | 1,709 |
| Net operating income to assets | 0.8124% | 3,106 |
| Return on assets (ROA) | 0.8183% | 3,124 |
| Pretax return on assets | 1.2471% | 2,568 |
| Return on Equity (ROE) | 8.4941% | 2,548 |
| Retained earnings to average equity (ytd only) | 4.6479% | 2,355 |
| Net charge-offs to loans | 0.0727% | 2,409 |
| Credit loss provision to net charge-offs | 285.7143% | 978 |
| Earnings coverage of net charge-offs (x) | 29.1905% | 1,575 |
| Efficiency ratio | 70.5784% | 2,459 |
| Assets per employee ($millions) | 3.1534% | 5,074 |
| Cash dividends to net income (ytd only)* | 45.2804% | 2,568 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0309% | 3,735 |
| Loan loss allowance to noncurrent loans | 191.4956% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 1,371 |
| Noncurrent loans to loans | 0.5383% | 2,886 |
| Net loans and leases to total assets | 68.5530% | 2,743 |
| Net loans and leases to deposits | 80.2815% | 2,882 |
| Net loans and leases to core deposits | 81.8591% | 3,257 |
| Total domestic deposits to total assets | 85.3908% | 2,695 |
| Equity capital to assets | 9.5179% | 4,221 |
| Core capital (leverage) ratio | 9.5167% | 4,022 |
| Tier 1 risk-based capital ratio | 12.1682% | 4,418 |
| Total risk-based capital ratio | 13.0805% | 4,526 |
| Memoranda: |
| Average total assets | $89,329,400 | 4,435 |
| Average earning assets | $83,519,600 | 4,410 |
| Average equity | $8,606,000 | 4,687 |
| Average total loans | $57,796,200 | 4,249 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5380% | 1,539 |
| Cost of funding earning assets | 0.4225% | 2,962 |
| Net interest margin | 4.1155% | 1,354 |
| Noninterest income to average assets | 0.5435% | 2,757 |
| Noninterest expense to average assets | 3.2582% | 1,439 |
| Loan and lease loss provision to assets | 0.1351% | 1,603 |
| Net operating income to assets | 0.8190% | 3,444 |
| Return on assets (ROA) | 0.8288% | 3,428 |
| Pretax return on assets | 1.0090% | 3,653 |
| Return on Equity (ROE) | 8.5764% | 2,821 |
| Retained earnings to average equity (ytd only) | 6.0128% | 2,226 |
| Net charge-offs to loans | 0.0686% | 2,139 |
| Credit loss provision to net charge-offs | 310.3448% | 959 |
| Earnings coverage of net charge-offs (x) | 25.9972% | 1,702 |
| Efficiency ratio | 74.2134% | 1,861 |
| Assets per employee ($millions) | 3.1131% | 5,163 |
| Cash dividends to net income (ytd only)* | 29.8908% | 2,752 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0473% | 3,807 |
| Loan loss allowance to noncurrent loans | 87.2428% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 938 |
| Noncurrent loans to loans | 1.2005% | 1,594 |
| Net loans and leases to total assets | 66.5603% | 3,033 |
| Net loans and leases to deposits | 78.1943% | 3,143 |
| Net loans and leases to core deposits | 79.4904% | 3,490 |
| Total domestic deposits to total assets | 85.1217% | 2,668 |
| Equity capital to assets | 9.9348% | 3,984 |
| Core capital (leverage) ratio | 9.6635% | 3,972 |
| Tier 1 risk-based capital ratio | 12.2812% | 4,446 |
| Total risk-based capital ratio | 13.1747% | 4,558 |
| Memoranda: |
| Average total assets | $88,799,500 | 4,489 |
| Average earning assets | $83,000,500 | 4,461 |
| Average equity | $8,581,500 | 4,737 |
| Average total loans | $56,409,250 | 4,317 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4221% | 1,747 |
| Cost of funding earning assets | 0.4071% | 3,005 |
| Net interest margin | 4.0150% | 1,558 |
| Noninterest income to average assets | 0.5345% | 2,799 |
| Noninterest expense to average assets | 3.2704% | 1,428 |
| Loan and lease loss provision to assets | 0.1359% | 1,526 |
| Net operating income to assets | 0.7278% | 3,720 |
| Return on assets (ROA) | 0.7429% | 3,721 |
| Pretax return on assets | 0.8991% | 3,938 |
| Return on Equity (ROE) | 7.7612% | 3,161 |
| Retained earnings to average equity (ytd only) | 5.1583% | 2,606 |
| Net charge-offs to loans | 0.0073% | 3,198 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 224.5000% | 375 |
| Efficiency ratio | 76.2810% | 1,677 |
| Assets per employee ($millions) | 3.0295% | 5,242 |
| Cash dividends to net income (ytd only)* | 33.5366% | 2,642 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1118% | 3,518 |
| Loan loss allowance to noncurrent loans | 73.0415% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.7620% | 795 |
| Noncurrent loans to loans | 1.5222% | 1,231 |
| Net loans and leases to total assets | 64.1846% | 3,363 |
| Net loans and leases to deposits | 74.9837% | 3,451 |
| Net loans and leases to core deposits | 75.9410% | 3,780 |
| Total domestic deposits to total assets | 85.5980% | 2,574 |
| Equity capital to assets | 9.9663% | 3,953 |
| Core capital (leverage) ratio | 9.6610% | 3,948 |
| Tier 1 risk-based capital ratio | 12.3389% | 4,392 |
| Total risk-based capital ratio | 13.2641% | 4,508 |
| Memoranda: |
| Average total assets | $88,306,330 | 4,519 |
| Average earning assets | $82,539,670 | 4,495 |
| Average equity | $8,452,330 | 4,773 |
| Average total loans | $54,970,330 | 4,389 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3455% | 1,830 |
| Cost of funding earning assets | 0.4012% | 2,984 |
| Net interest margin | 3.9443% | 1,625 |
| Noninterest income to average assets | 0.4834% | 3,082 |
| Noninterest expense to average assets | 3.3615% | 1,270 |
| Loan and lease loss provision to assets | 0.1355% | 1,412 |
| Net operating income to assets | 0.6090% | 4,118 |
| Return on assets (ROA) | 0.6416% | 4,006 |
| Pretax return on assets | 0.7094% | 4,421 |
| Return on Equity (ROE) | 6.8430% | 3,471 |
| Retained earnings to average equity (ytd only) | 4.1925% | 3,359 |
| Net charge-offs to loans | 0.0148% | 2,504 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 89.5000% | 593 |
| Efficiency ratio | 80.6067% | 1,302 |
| Assets per employee ($millions) | 3.1438% | 5,234 |
| Cash dividends to net income (ytd only)* | 38.7324% | 2,047 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0961% | 3,736 |
| Loan loss allowance to noncurrent loans | 67.0745% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 1.7938% | 790 |
| Noncurrent loans to loans | 1.6341% | 1,189 |
| Net loans and leases to total assets | 61.8124% | 3,563 |
| Net loans and leases to deposits | 69.0206% | 3,893 |
| Net loans and leases to core deposits | 69.9038% | 4,154 |
| Total domestic deposits to total assets | 89.5565% | 874 |
| Equity capital to assets | 9.5495% | 4,229 |
| Core capital (leverage) ratio | 9.5488% | 4,056 |
| Tier 1 risk-based capital ratio | 12.2378% | 4,553 |
| Total risk-based capital ratio | 13.1161% | 4,709 |
| Memoranda: |
| Average total assets | $88,531,500 | 4,562 |
| Average earning assets | $82,751,500 | 4,530 |
| Average equity | $8,300,500 | 4,842 |
| Average total loans | $53,943,500 | 4,456 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1892% | 2,522 |
| Cost of funding earning assets | 0.3914% | 3,087 |
| Net interest margin | 3.7978% | 2,324 |
| Noninterest income to average assets | 0.7940% | 1,765 |
| Noninterest expense to average assets | 3.5835% | 1,036 |
| Loan and lease loss provision to assets | 0.0947% | 2,473 |
| Net operating income to assets | 0.6267% | 4,101 |
| Return on assets (ROA) | 0.7272% | 3,764 |
| Pretax return on assets | 0.7784% | 4,244 |
| Return on Equity (ROE) | 7.7458% | 3,086 |
| Retained earnings to average equity (ytd only) | 3.9144% | 3,142 |
| Net charge-offs to loans | 0.6472% | 341 |
| Credit loss provision to net charge-offs | 25.6024% | 3,628 |
| Earnings coverage of net charge-offs (x) | 2.0693% | 3,890 |
| Efficiency ratio | 82.4072% | 1,156 |
| Assets per employee ($millions) | 3.0702% | 5,294 |
| Cash dividends to net income (ytd only)* | 49.4640% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0875% | 3,778 |
| Loan loss allowance to noncurrent loans | 57.7889% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.9093% | 749 |
| Noncurrent loans to loans | 1.8819% | 992 |
| Net loans and leases to total assets | 58.7374% | 4,000 |
| Net loans and leases to deposits | 65.4437% | 4,292 |
| Net loans and leases to core deposits | 66.5200% | 4,491 |
| Total domestic deposits to total assets | 89.7526% | 750 |
| Equity capital to assets | 9.2040% | 4,578 |
| Core capital (leverage) ratio | 9.3369% | 4,308 |
| Tier 1 risk-based capital ratio | 11.9712% | 4,748 |
| Total risk-based capital ratio | 12.8003% | 4,929 |
| Memoranda: |
| Average total assets | $89,799,600 | 4,547 |
| Average earning assets | $84,049,000 | 4,516 |
| Average equity | $8,430,400 | 4,858 |
| Average total loans | $51,298,600 | 4,540 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1483% | 2,688 |
| Cost of funding earning assets | 0.3988% | 3,033 |
| Net interest margin | 3.7494% | 2,520 |
| Noninterest income to average assets | 0.6756% | 2,283 |
| Noninterest expense to average assets | 3.2699% | 1,631 |
| Loan and lease loss provision to assets | 0.0815% | 2,580 |
| Net operating income to assets | 0.7097% | 3,793 |
| Return on assets (ROA) | 0.8104% | 3,458 |
| Pretax return on assets | 0.9527% | 3,803 |
| Return on Equity (ROE) | 8.5911% | 2,714 |
| Retained earnings to average equity (ytd only) | 5.9996% | 2,185 |
| Net charge-offs to loans | 0.8722% | 209 |
| Credit loss provision to net charge-offs | 16.5165% | 3,316 |
| Earnings coverage of net charge-offs (x) | 1.8559% | 3,651 |
| Efficiency ratio | 78.1239% | 1,680 |
| Assets per employee ($millions) | 3.1585% | 5,231 |
| Cash dividends to net income (ytd only)* | 30.1637% | 2,828 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0514% | 4,114 |
| Loan loss allowance to noncurrent loans | 64.6849% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.7153% | 989 |
| Noncurrent loans to loans | 1.6255% | 1,321 |
| Net loans and leases to total assets | 57.8880% | 4,108 |
| Net loans and leases to deposits | 64.7530% | 4,429 |
| Net loans and leases to core deposits | 68.2054% | 4,454 |
| Total domestic deposits to total assets | 89.3982% | 724 |
| Equity capital to assets | 9.9686% | 4,155 |
| Core capital (leverage) ratio | 9.1228% | 4,691 |
| Tier 1 risk-based capital ratio | 12.3476% | 4,576 |
| Total risk-based capital ratio | 13.1486% | 4,750 |
| Memoranda: |
| Average total assets | $89,990,250 | 4,583 |
| Average earning assets | $84,242,000 | 4,547 |
| Average equity | $8,489,250 | 4,891 |
| Average total loans | $50,905,000 | 4,589 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0470% | 3,076 |
| Cost of funding earning assets | 0.4009% | 3,037 |
| Net interest margin | 3.6460% | 2,911 |
| Noninterest income to average assets | 0.6894% | 2,192 |
| Noninterest expense to average assets | 3.3389% | 1,509 |
| Loan and lease loss provision to assets | 0.0663% | 2,816 |
| Net operating income to assets | 0.5661% | 4,415 |
| Return on assets (ROA) | 0.7093% | 3,896 |
| Pretax return on assets | 0.8773% | 4,035 |
| Return on Equity (ROE) | 7.6608% | 3,165 |
| Retained earnings to average equity (ytd only) | 5.0356% | 2,719 |
| Net charge-offs to loans | 1.1614% | 148 |
| Credit loss provision to net charge-offs | 10.2041% | 2,996 |
| Earnings coverage of net charge-offs (x) | 1.1803% | 3,445 |
| Efficiency ratio | 81.3240% | 1,349 |
| Assets per employee ($millions) | 3.3064% | 5,055 |
| Cash dividends to net income (ytd only)* | 34.2679% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0800% | 4,050 |
| Loan loss allowance to noncurrent loans | 71.9072% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5781% | 1,184 |
| Noncurrent loans to loans | 1.5019% | 1,457 |
| Net loans and leases to total assets | 55.2052% | 4,394 |
| Net loans and leases to deposits | 61.2429% | 4,717 |
| Net loans and leases to core deposits | 63.7540% | 4,760 |
| Total domestic deposits to total assets | 90.1415% | 433 |
| Equity capital to assets | 9.2644% | 5,008 |
| Core capital (leverage) ratio | 8.8252% | 5,027 |
| Tier 1 risk-based capital ratio | 11.8748% | 4,925 |
| Total risk-based capital ratio | 12.6904% | 5,087 |
| Memoranda: |
| Average total assets | $90,507,670 | 4,611 |
| Average earning assets | $84,804,330 | 4,570 |
| Average equity | $8,380,330 | 4,951 |
| Average total loans | $50,627,000 | 4,622 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9222% | 3,499 |
| Cost of funding earning assets | 0.4046% | 3,017 |
| Net interest margin | 3.5176% | 3,400 |
| Noninterest income to average assets | 0.3800% | 3,986 |
| Noninterest expense to average assets | 3.3307% | 1,528 |
| Loan and lease loss provision to assets | 0.0671% | 2,621 |
| Net operating income to assets | 0.2638% | 5,400 |
| Return on assets (ROA) | 0.4426% | 4,937 |
| Pretax return on assets | 0.4784% | 5,143 |
| Return on Equity (ROE) | 4.7815% | 4,586 |
| Retained earnings to average equity (ytd only) | 2.1251% | 4,407 |
| Net charge-offs to loans | 0.0559% | 1,957 |
| Credit loss provision to net charge-offs | 214.2857% | 1,030 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 1,872 |
| Efficiency ratio | 90.4126% | 648 |
| Assets per employee ($millions) | 3.1446% | 5,352 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,567 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6390% | 1,509 |
| Loan loss allowance to noncurrent loans | 48.2278% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 2.0627% | 829 |
| Noncurrent loans to loans | 3.3984% | 417 |
| Net loans and leases to total assets | 54.6215% | 4,390 |
| Net loans and leases to deposits | 60.4965% | 4,682 |
| Net loans and leases to core deposits | 63.0192% | 4,751 |
| Total domestic deposits to total assets | 90.2887% | 497 |
| Equity capital to assets | 9.1378% | 5,048 |
| Core capital (leverage) ratio | 8.8544% | 5,023 |
| Tier 1 risk-based capital ratio | 11.7910% | 5,054 |
| Total risk-based capital ratio | 13.0215% | 4,972 |
| Memoranda: |
| Average total assets | $89,471,500 | 4,669 |
| Average earning assets | $84,033,500 | 4,620 |
| Average equity | $8,282,000 | 5,000 |
| Average total loans | $50,107,000 | 4,672 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3386% | 2,098 |
| Cost of funding earning assets | 0.4760% | 2,388 |
| Net interest margin | 3.8627% | 2,151 |
| Noninterest income to average assets | 0.5327% | 3,123 |
| Noninterest expense to average assets | 3.2429% | 1,852 |
| Loan and lease loss provision to assets | 0.0047% | 4,297 |
| Net operating income to assets | 0.7419% | 3,611 |
| Return on assets (ROA) | 0.7787% | 3,503 |
| Pretax return on assets | 0.9337% | 3,712 |
| Return on Equity (ROE) | 7.8939% | 3,009 |
| Retained earnings to average equity (ytd only) | 4.2660% | 2,941 |
| Net charge-offs to loans | -0.0123% | 5,157 |
| Credit loss provision to net charge-offs | -66.6667% | 5,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3883% | 1,904 |
| Assets per employee ($millions) | 3.1339% | 5,374 |
| Cash dividends to net income (ytd only)* | 45.9581% | 2,536 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6582% | 1,452 |
| Loan loss allowance to noncurrent loans | 99.0361% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1339% | 1,932 |
| Noncurrent loans to loans | 1.6743% | 1,356 |
| Net loans and leases to total assets | 55.5567% | 4,334 |
| Net loans and leases to deposits | 61.8142% | 4,645 |
| Net loans and leases to core deposits | 62.8340% | 4,809 |
| Total domestic deposits to total assets | 89.8769% | 684 |
| Equity capital to assets | 9.3801% | 4,698 |
| Core capital (leverage) ratio | 9.0713% | 4,794 |
| Tier 1 risk-based capital ratio | 12.4548% | 4,662 |
| Total risk-based capital ratio | 13.7046% | 4,551 |
| Memoranda: |
| Average total assets | $85,788,600 | 4,746 |
| Average earning assets | $80,048,000 | 4,715 |
| Average equity | $8,462,200 | 4,967 |
| Average total loans | $48,724,000 | 4,712 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3032% | 2,219 |
| Cost of funding earning assets | 0.4999% | 2,207 |
| Net interest margin | 3.8032% | 2,368 |
| Noninterest income to average assets | 0.5440% | 3,081 |
| Noninterest expense to average assets | 3.2294% | 1,887 |
| Loan and lease loss provision to assets | 0.1063% | 2,095 |
| Net operating income to assets | 0.6226% | 4,271 |
| Return on assets (ROA) | 0.6706% | 4,142 |
| Pretax return on assets | 0.8097% | 4,310 |
| Return on Equity (ROE) | 6.7135% | 3,773 |
| Retained earnings to average equity (ytd only) | 4.3035% | 3,405 |
| Net charge-offs to loans | -0.0110% | 5,024 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0057% | 1,805 |
| Assets per employee ($millions) | 3.1994% | 5,284 |
| Cash dividends to net income (ytd only)* | 35.8975% | 2,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7891% | 1,291 |
| Loan loss allowance to noncurrent loans | 119.1375% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.0500% | 2,256 |
| Noncurrent loans to loans | 1.5017% | 1,674 |
| Net loans and leases to total assets | 56.1753% | 4,335 |
| Net loans and leases to deposits | 62.4704% | 4,682 |
| Net loans and leases to core deposits | 65.8422% | 4,704 |
| Total domestic deposits to total assets | 89.9230% | 602 |
| Equity capital to assets | 9.4669% | 4,792 |
| Core capital (leverage) ratio | 8.9760% | 5,019 |
| Tier 1 risk-based capital ratio | 12.2677% | 4,909 |
| Total risk-based capital ratio | 13.5193% | 4,806 |
| Memoranda: |
| Average total assets | $85,298,250 | 4,814 |
| Average earning assets | $79,474,500 | 4,792 |
| Average equity | $8,520,000 | 5,015 |
| Average total loans | $48,511,750 | 4,768 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3031% | 2,158 |
| Cost of funding earning assets | 0.5287% | 1,993 |
| Net interest margin | 3.7743% | 2,424 |
| Noninterest income to average assets | 0.5157% | 3,263 |
| Noninterest expense to average assets | 3.3037% | 1,694 |
| Loan and lease loss provision to assets | 0.1060% | 2,062 |
| Net operating income to assets | 0.5293% | 4,653 |
| Return on assets (ROA) | 0.5934% | 4,471 |
| Pretax return on assets | 0.6946% | 4,672 |
| Return on Equity (ROE) | 5.8374% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.4746% | 3,829 |
| Net charge-offs to loans | -0.0166% | 5,107 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9988% | 1,489 |
| Assets per employee ($millions) | 3.0098% | 5,589 |
| Cash dividends to net income (ytd only)* | 40.4762% | 2,363 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7645% | 1,450 |
| Loan loss allowance to noncurrent loans | 109.9617% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 2,259 |
| Noncurrent loans to loans | 1.6046% | 1,635 |
| Net loans and leases to total assets | 56.8806% | 4,237 |
| Net loans and leases to deposits | 63.2722% | 4,600 |
| Net loans and leases to core deposits | 66.7953% | 4,587 |
| Total domestic deposits to total assets | 89.8983% | 703 |
| Equity capital to assets | 9.4443% | 4,720 |
| Core capital (leverage) ratio | 8.8775% | 5,120 |
| Tier 1 risk-based capital ratio | 13.5022% | 4,225 |
| Total risk-based capital ratio | 14.7549% | 4,151 |
| Memoranda: |
| Average total assets | $84,936,000 | 4,876 |
| Average earning assets | $79,060,000 | 4,848 |
| Average equity | $8,634,000 | 5,031 |
| Average total loans | $48,212,000 | 4,816 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2447% | 2,297 |
| Cost of funding earning assets | 0.5192% | 2,118 |
| Net interest margin | 3.7255% | 2,531 |
| Noninterest income to average assets | 0.5113% | 3,218 |
| Noninterest expense to average assets | 3.1196% | 2,205 |
| Loan and lease loss provision to assets | 0.1079% | 1,906 |
| Net operating income to assets | 0.6263% | 4,163 |
| Return on assets (ROA) | 0.6380% | 4,219 |
| Pretax return on assets | 0.7647% | 4,368 |
| Return on Equity (ROE) | 6.0636% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.7898% | 3,733 |
| Net charge-offs to loans | 0.0167% | 2,835 |
| Credit loss provision to net charge-offs | 1,150.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 91.5000% | 529 |
| Efficiency ratio | 78.4198% | 2,126 |
| Assets per employee ($millions) | 3.1101% | 5,534 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,115 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7257% | 1,673 |
| Loan loss allowance to noncurrent loans | 129.3935% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 2,459 |
| Noncurrent loans to loans | 1.3337% | 2,159 |
| Net loans and leases to total assets | 54.4096% | 4,386 |
| Net loans and leases to deposits | 60.4080% | 4,713 |
| Net loans and leases to core deposits | 63.6431% | 4,729 |
| Total domestic deposits to total assets | 90.0703% | 713 |
| Equity capital to assets | 9.2958% | 4,977 |
| Core capital (leverage) ratio | 8.8315% | 5,160 |
| Tier 1 risk-based capital ratio | 12.9958% | 4,607 |
| Total risk-based capital ratio | 14.2483% | 4,522 |
| Memoranda: |
| Average total assets | $85,267,500 | 4,912 |
| Average earning assets | $79,345,500 | 4,882 |
| Average equity | $8,971,500 | 4,996 |
| Average total loans | $47,920,000 | 4,851 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3565% | 2,381 |
| Cost of funding earning assets | 0.4900% | 2,772 |
| Net interest margin | 3.8665% | 2,372 |
| Noninterest income to average assets | 0.4965% | 3,541 |
| Noninterest expense to average assets | 3.0451% | 2,708 |
| Loan and lease loss provision to assets | 0.1446% | 1,833 |
| Net operating income to assets | 0.7419% | 3,666 |
| Return on assets (ROA) | 0.7905% | 3,518 |
| Pretax return on assets | 0.9399% | 3,739 |
| Return on Equity (ROE) | 6.7641% | 3,757 |
| Retained earnings to average equity (ytd only) | 2.9902% | 4,109 |
| Net charge-offs to loans | 0.0606% | 3,632 |
| Credit loss provision to net charge-offs | 428.5714% | 605 |
| Earnings coverage of net charge-offs (x) | 30.4286% | 1,320 |
| Efficiency ratio | 74.7854% | 2,700 |
| Assets per employee ($millions) | 2.9805% | 5,725 |
| Cash dividends to net income (ytd only)* | 55.7927% | 1,964 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7049% | 1,762 |
| Loan loss allowance to noncurrent loans | 122.1053% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.1551% | 2,454 |
| Noncurrent loans to loans | 1.3963% | 2,102 |
| Net loans and leases to total assets | 56.0974% | 4,324 |
| Net loans and leases to deposits | 64.2648% | 4,497 |
| Net loans and leases to core deposits | 67.9808% | 4,505 |
| Total domestic deposits to total assets | 87.2911% | 2,131 |
| Equity capital to assets | 11.8007% | 2,170 |
| Core capital (leverage) ratio | 11.4987% | 1,970 |
| Tier 1 risk-based capital ratio | 17.0757% | 2,484 |
| Total risk-based capital ratio | 18.3252% | 2,436 |
| Memoranda: |
| Average total assets | $82,985,800 | 4,989 |
| Average earning assets | $76,736,400 | 4,964 |
| Average equity | $9,698,200 | 4,817 |
| Average total loans | $46,186,600 | 4,947 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3772% | 2,311 |
| Cost of funding earning assets | 0.4927% | 2,840 |
| Net interest margin | 3.8845% | 2,307 |
| Noninterest income to average assets | 0.4553% | 3,857 |
| Noninterest expense to average assets | 3.0119% | 2,767 |
| Loan and lease loss provision to assets | 0.1448% | 1,728 |
| Net operating income to assets | 0.7079% | 3,900 |
| Return on assets (ROA) | 0.7530% | 3,752 |
| Pretax return on assets | 0.9444% | 3,809 |
| Return on Equity (ROE) | 6.4589% | 3,994 |
| Retained earnings to average equity (ytd only) | 3.8643% | 3,903 |
| Net charge-offs to loans | 0.0844% | 2,996 |
| Credit loss provision to net charge-offs | 310.3448% | 887 |
| Earnings coverage of net charge-offs (x) | 22.1355% | 1,646 |
| Efficiency ratio | 74.4630% | 2,746 |
| Assets per employee ($millions) | 2.9599% | 5,775 |
| Cash dividends to net income (ytd only)* | 40.1712% | 2,341 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6708% | 2,067 |
| Loan loss allowance to noncurrent loans | 141.4855% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 2,846 |
| Noncurrent loans to loans | 1.1809% | 2,699 |
| Net loans and leases to total assets | 55.4588% | 4,403 |
| Net loans and leases to deposits | 63.4747% | 4,594 |
| Net loans and leases to core deposits | 67.1635% | 4,589 |
| Total domestic deposits to total assets | 87.3715% | 2,109 |
| Equity capital to assets | 11.9069% | 2,144 |
| Core capital (leverage) ratio | 11.4383% | 2,111 |
| Tier 1 risk-based capital ratio | 17.3440% | 2,454 |
| Total risk-based capital ratio | 18.5953% | 2,412 |
| Memoranda: |
| Average total assets | $82,869,000 | 5,046 |
| Average earning assets | $76,576,250 | 5,021 |
| Average equity | $9,660,750 | 4,859 |
| Average total loans | $45,826,500 | 5,006 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3576% | 2,350 |
| Cost of funding earning assets | 0.4970% | 2,863 |
| Net interest margin | 3.8606% | 2,329 |
| Noninterest income to average assets | 0.4224% | 4,074 |
| Noninterest expense to average assets | 3.0265% | 2,739 |
| Loan and lease loss provision to assets | 0.1448% | 1,707 |
| Net operating income to assets | 0.6581% | 4,055 |
| Return on assets (ROA) | 0.6854% | 4,012 |
| Pretax return on assets | 0.8471% | 4,089 |
| Return on Equity (ROE) | 5.9218% | 4,196 |
| Retained earnings to average equity (ytd only) | 3.3154% | 4,089 |
| Net charge-offs to loans | 0.1186% | 2,481 |
| Credit loss provision to net charge-offs | 222.2222% | 1,072 |
| Earnings coverage of net charge-offs (x) | 14.7037% | 1,897 |
| Efficiency ratio | 75.9540% | 2,645 |
| Assets per employee ($millions) | 2.9373% | 5,848 |
| Cash dividends to net income (ytd only)* | 44.0141% | 2,203 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6335% | 2,349 |
| Loan loss allowance to noncurrent loans | 753.0000% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 3,297 |
| Noncurrent loans to loans | 0.2169% | 5,361 |
| Net loans and leases to total assets | 55.1316% | 4,392 |
| Net loans and leases to deposits | 63.1597% | 4,577 |
| Net loans and leases to core deposits | 67.1241% | 4,544 |
| Total domestic deposits to total assets | 87.2892% | 2,304 |
| Equity capital to assets | 11.9813% | 2,001 |
| Core capital (leverage) ratio | 11.3596% | 2,109 |
| Tier 1 risk-based capital ratio | 15.6613% | 3,263 |
| Total risk-based capital ratio | 16.9081% | 3,209 |
| Memoranda: |
| Average total assets | $82,866,670 | 5,082 |
| Average earning assets | $76,464,000 | 5,061 |
| Average equity | $9,591,670 | 4,893 |
| Average total loans | $45,521,000 | 5,052 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2935% | 2,550 |
| Cost of funding earning assets | 0.5113% | 2,796 |
| Net interest margin | 3.7822% | 2,542 |
| Noninterest income to average assets | 0.3799% | 4,349 |
| Noninterest expense to average assets | 3.0297% | 2,771 |
| Loan and lease loss provision to assets | 0.1443% | 1,689 |
| Net operating income to assets | 0.5819% | 4,282 |
| Return on assets (ROA) | 0.5819% | 4,353 |
| Pretax return on assets | 0.6925% | 4,515 |
| Return on Equity (ROE) | 5.1160% | 4,486 |
| Retained earnings to average equity (ytd only) | 2.4523% | 4,599 |
| Net charge-offs to loans | 0.1061% | 2,122 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 14.5000% | 1,602 |
| Efficiency ratio | 78.3582% | 2,432 |
| Assets per employee ($millions) | 3.1020% | 5,686 |
| Cash dividends to net income (ytd only)* | 52.0661% | 1,624 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6217% | 2,606 |
| Loan loss allowance to noncurrent loans | 447.2727% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 3,517 |
| Noncurrent loans to loans | 0.3626% | 5,038 |
| Net loans and leases to total assets | 53.4535% | 4,497 |
| Net loans and leases to deposits | 60.7892% | 4,682 |
| Net loans and leases to core deposits | 64.7873% | 4,615 |
| Total domestic deposits to total assets | 87.9327% | 2,265 |
| Equity capital to assets | 11.3951% | 2,338 |
| Core capital (leverage) ratio | 11.0898% | 2,310 |
| Tier 1 risk-based capital ratio | 15.7327% | 3,313 |
| Total risk-based capital ratio | 16.9784% | 3,278 |
| Memoranda: |
| Average total assets | $83,177,500 | 5,128 |
| Average earning assets | $76,674,500 | 5,097 |
| Average equity | $9,460,500 | 4,948 |
| Average total loans | $45,233,500 | 5,112 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5265% | 2,105 |
| Cost of funding earning assets | 0.6382% | 2,308 |
| Net interest margin | 3.8883% | 2,332 |
| Noninterest income to average assets | 0.5544% | 3,371 |
| Noninterest expense to average assets | 3.0074% | 3,032 |
| Loan and lease loss provision to assets | 0.1434% | 2,509 |
| Net operating income to assets | 0.6923% | 3,828 |
| Return on assets (ROA) | 0.7276% | 3,756 |
| Pretax return on assets | 0.9128% | 3,711 |
| Return on Equity (ROE) | 6.3407% | 3,903 |
| Retained earnings to average equity (ytd only) | 2.5821% | 4,413 |
| Net charge-offs to loans | 0.2088% | 2,788 |
| Credit loss provision to net charge-offs | 131.8681% | 1,787 |
| Earnings coverage of net charge-offs (x) | 9.3077% | 2,524 |
| Efficiency ratio | 74.8216% | 2,984 |
| Assets per employee ($millions) | 3.0593% | 5,743 |
| Cash dividends to net income (ytd only)* | 59.2775% | 1,800 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6015% | 2,753 |
| Loan loss allowance to noncurrent loans | 92.0716% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.7651% | 2,101 |
| Noncurrent loans to loans | 1.7394% | 2,313 |
| Net loans and leases to total assets | 53.5581% | 4,644 |
| Net loans and leases to deposits | 61.0126% | 4,826 |
| Net loans and leases to core deposits | 65.0851% | 4,769 |
| Total domestic deposits to total assets | 87.7821% | 2,319 |
| Equity capital to assets | 11.3523% | 2,289 |
| Core capital (leverage) ratio | 11.0225% | 2,366 |
| Tier 1 risk-based capital ratio | 15.7349% | 3,228 |
| Total risk-based capital ratio | 16.9636% | 3,200 |
| Memoranda: |
| Average total assets | $83,694,800 | 5,143 |
| Average earning assets | $74,582,600 | 5,182 |
| Average equity | $9,604,600 | 4,948 |
| Average total loans | $43,583,400 | 5,213 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5471% | 2,049 |
| Cost of funding earning assets | 0.6624% | 2,239 |
| Net interest margin | 3.8847% | 2,333 |
| Noninterest income to average assets | 0.5526% | 3,435 |
| Noninterest expense to average assets | 2.9566% | 3,125 |
| Loan and lease loss provision to assets | 0.1429% | 2,497 |
| Net operating income to assets | 0.7046% | 3,836 |
| Return on assets (ROA) | 0.7511% | 3,722 |
| Pretax return on assets | 0.9480% | 3,696 |
| Return on Equity (ROE) | 6.5275% | 3,916 |
| Retained earnings to average equity (ytd only) | 3.9330% | 3,895 |
| Net charge-offs to loans | 0.2899% | 2,087 |
| Credit loss provision to net charge-offs | 95.7447% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.9149% | 2,882 |
| Efficiency ratio | 74.1242% | 3,041 |
| Assets per employee ($millions) | 3.1241% | 5,628 |
| Cash dividends to net income (ytd only)* | 39.7463% | 2,292 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5637% | 3,168 |
| Loan loss allowance to noncurrent loans | 75.1641% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.8316% | 2,226 |
| Noncurrent loans to loans | 2.0804% | 2,152 |
| Net loans and leases to total assets | 51.2685% | 4,972 |
| Net loans and leases to deposits | 58.8333% | 5,100 |
| Net loans and leases to core deposits | 60.9313% | 5,227 |
| Total domestic deposits to total assets | 87.1420% | 2,610 |
| Equity capital to assets | 11.2279% | 2,531 |
| Core capital (leverage) ratio | 11.0622% | 2,421 |
| Tier 1 risk-based capital ratio | 16.8049% | 2,805 |
| Total risk-based capital ratio | 18.0410% | 2,765 |
| Memoranda: |
| Average total assets | $83,968,500 | 5,188 |
| Average earning assets | $74,272,250 | 5,240 |
| Average equity | $9,661,500 | 4,986 |
| Average total loans | $43,239,500 | 5,268 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6344% | 1,742 |
| Cost of funding earning assets | 0.6980% | 2,076 |
| Net interest margin | 3.9363% | 2,089 |
| Noninterest income to average assets | 0.5940% | 3,229 |
| Noninterest expense to average assets | 3.0176% | 2,947 |
| Loan and lease loss provision to assets | 0.1431% | 2,543 |
| Net operating income to assets | 0.6843% | 3,880 |
| Return on assets (ROA) | 0.7371% | 3,790 |
| Pretax return on assets | 0.9303% | 3,784 |
| Return on Equity (ROE) | 6.3548% | 3,963 |
| Retained earnings to average equity (ytd only) | 3.7841% | 3,890 |
| Net charge-offs to loans | 0.3720% | 1,717 |
| Credit loss provision to net charge-offs | 75.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 5.2750% | 2,929 |
| Efficiency ratio | 74.9852% | 2,947 |
| Assets per employee ($millions) | 2.9710% | 5,897 |
| Cash dividends to net income (ytd only)* | 40.4531% | 2,231 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5356% | 3,419 |
| Loan loss allowance to noncurrent loans | 86.9171% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.6817% | 2,593 |
| Noncurrent loans to loans | 1.7668% | 2,681 |
| Net loans and leases to total assets | 51.7184% | 4,904 |
| Net loans and leases to deposits | 59.5389% | 5,021 |
| Net loans and leases to core deposits | 61.4760% | 5,145 |
| Total domestic deposits to total assets | 86.8648% | 2,901 |
| Equity capital to assets | 11.4270% | 2,358 |
| Core capital (leverage) ratio | 11.0348% | 2,322 |
| Tier 1 risk-based capital ratio | 16.8362% | 2,771 |
| Total risk-based capital ratio | 18.0504% | 2,761 |
| Memoranda: |
| Average total assets | $83,840,670 | 5,230 |
| Average earning assets | $73,063,000 | 5,302 |
| Average equity | $9,725,000 | 5,003 |
| Average total loans | $43,008,330 | 5,303 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6835% | 1,580 |
| Cost of funding earning assets | 0.7418% | 1,908 |
| Net interest margin | 3.9417% | 1,970 |
| Noninterest income to average assets | 0.5798% | 3,251 |
| Noninterest expense to average assets | 2.9513% | 3,153 |
| Loan and lease loss provision to assets | 0.1426% | 2,460 |
| Net operating income to assets | 0.6967% | 3,699 |
| Return on assets (ROA) | 0.7081% | 3,788 |
| Pretax return on assets | 0.8840% | 3,820 |
| Return on Equity (ROE) | 6.0603% | 4,008 |
| Retained earnings to average equity (ytd only) | 3.4979% | 4,144 |
| Net charge-offs to loans | 0.4031% | 1,447 |
| Credit loss provision to net charge-offs | 69.7674% | 2,295 |
| Earnings coverage of net charge-offs (x) | 4.9535% | 2,437 |
| Efficiency ratio | 74.4604% | 3,181 |
| Assets per employee ($millions) | 3.0325% | 5,926 |
| Cash dividends to net income (ytd only)* | 42.2819% | 1,779 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6040% | 3,382 |
| Loan loss allowance to noncurrent loans | 76.3514% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.7595% | 2,651 |
| Noncurrent loans to loans | 2.1008% | 2,502 |
| Net loans and leases to total assets | 48.9825% | 5,111 |
| Net loans and leases to deposits | 56.5487% | 5,193 |
| Net loans and leases to core deposits | 58.5665% | 5,287 |
| Total domestic deposits to total assets | 86.6200% | 3,168 |
| Equity capital to assets | 11.6453% | 2,296 |
| Core capital (leverage) ratio | 10.9672% | 2,291 |
| Tier 1 risk-based capital ratio | 17.0283% | 2,736 |
| Total risk-based capital ratio | 18.2738% | 2,713 |
| Memoranda: |
| Average total assets | $84,166,500 | 5,259 |
| Average earning assets | $72,253,500 | 5,382 |
| Average equity | $9,834,500 | 5,026 |
| Average total loans | $42,665,000 | 5,350 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1561% | 1,193 |
| Cost of funding earning assets | 0.9366% | 1,727 |
| Net interest margin | 4.2195% | 1,605 |
| Noninterest income to average assets | 0.7169% | 2,629 |
| Noninterest expense to average assets | 3.0421% | 3,125 |
| Loan and lease loss provision to assets | 0.2183% | 2,949 |
| Net operating income to assets | 0.8660% | 2,978 |
| Return on assets (ROA) | 0.8903% | 3,102 |
| Pretax return on assets | 1.1547% | 2,972 |
| Return on Equity (ROE) | 7.6538% | 3,257 |
| Retained earnings to average equity (ytd only) | 3.9312% | 3,437 |
| Net charge-offs to loans | 0.3692% | 2,779 |
| Credit loss provision to net charge-offs | 107.1429% | 2,764 |
| Earnings coverage of net charge-offs (x) | 6.5833% | 2,784 |
| Efficiency ratio | 69.3968% | 3,915 |
| Assets per employee ($millions) | 2.9794% | 6,044 |
| Cash dividends to net income (ytd only)* | 48.6376% | 2,385 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6047% | 3,289 |
| Loan loss allowance to noncurrent loans | 104.5386% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 3,677 |
| Noncurrent loans to loans | 1.5350% | 3,309 |
| Net loans and leases to total assets | 50.7894% | 5,066 |
| Net loans and leases to deposits | 58.7950% | 5,153 |
| Net loans and leases to core deposits | 60.9333% | 5,280 |
| Total domestic deposits to total assets | 86.3839% | 3,161 |
| Equity capital to assets | 11.7246% | 2,250 |
| Core capital (leverage) ratio | 10.7818% | 2,463 |
| Tier 1 risk-based capital ratio | 16.5784% | 2,847 |
| Total risk-based capital ratio | 17.8401% | 2,815 |
| Memoranda: |
| Average total assets | $82,442,600 | 5,291 |
| Average earning assets | $71,642,800 | 5,379 |
| Average equity | $9,590,000 | 5,081 |
| Average total loans | $45,499,400 | 5,268 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1734% | 1,249 |
| Cost of funding earning assets | 0.9728% | 1,723 |
| Net interest margin | 4.2006% | 1,733 |
| Noninterest income to average assets | 0.6310% | 3,107 |
| Noninterest expense to average assets | 2.9862% | 3,281 |
| Loan and lease loss provision to assets | 0.2190% | 2,867 |
| Net operating income to assets | 0.8483% | 3,223 |
| Return on assets (ROA) | 0.8808% | 3,319 |
| Pretax return on assets | 1.1452% | 3,177 |
| Return on Equity (ROE) | 7.5871% | 3,489 |
| Retained earnings to average equity (ytd only) | 5.0302% | 3,343 |
| Net charge-offs to loans | 0.4569% | 2,272 |
| Credit loss provision to net charge-offs | 85.4430% | 3,449 |
| Earnings coverage of net charge-offs (x) | 5.1583% | 3,094 |
| Efficiency ratio | 69.3148% | 3,808 |
| Assets per employee ($millions) | 2.8761% | 6,252 |
| Cash dividends to net income (ytd only)* | 33.7012% | 2,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4892% | 4,001 |
| Loan loss allowance to noncurrent loans | 115.4930% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 4,042 |
| Noncurrent loans to loans | 1.2894% | 3,890 |
| Net loans and leases to total assets | 52.0262% | 5,040 |
| Net loans and leases to deposits | 60.8338% | 5,106 |
| Net loans and leases to core deposits | 63.8325% | 5,167 |
| Total domestic deposits to total assets | 85.5218% | 3,500 |
| Equity capital to assets | 11.7818% | 2,448 |
| Core capital (leverage) ratio | 10.9947% | 2,388 |
| Tier 1 risk-based capital ratio | 16.5183% | 2,988 |
| Total risk-based capital ratio | 17.7152% | 2,985 |
| Memoranda: |
| Average total assets | $82,197,500 | 5,346 |
| Average earning assets | $71,956,500 | 5,430 |
| Average equity | $9,542,250 | 5,142 |
| Average total loans | $46,109,000 | 5,306 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1936% | 1,271 |
| Cost of funding earning assets | 0.9955% | 1,787 |
| Net interest margin | 4.1981% | 1,756 |
| Noninterest income to average assets | 0.6455% | 2,976 |
| Noninterest expense to average assets | 3.0491% | 3,088 |
| Loan and lease loss provision to assets | 0.2201% | 2,876 |
| Net operating income to assets | 0.8289% | 3,249 |
| Return on assets (ROA) | 0.8778% | 3,260 |
| Pretax return on assets | 1.1419% | 3,148 |
| Return on Equity (ROE) | 7.6000% | 3,451 |
| Retained earnings to average equity (ytd only) | 5.1655% | 3,177 |
| Net charge-offs to loans | 0.2564% | 3,040 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 8.8500% | 2,238 |
| Efficiency ratio | 70.1350% | 3,748 |
| Assets per employee ($millions) | 3.0350% | 5,993 |
| Cash dividends to net income (ytd only)* | 32.0334% | 2,525 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5518% | 3,771 |
| Loan loss allowance to noncurrent loans | 156.5121% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 4,370 |
| Noncurrent loans to loans | 0.9915% | 4,519 |
| Net loans and leases to total assets | 54.8899% | 4,648 |
| Net loans and leases to deposits | 64.1879% | 4,740 |
| Net loans and leases to core deposits | 67.4095% | 4,855 |
| Total domestic deposits to total assets | 85.5145% | 3,599 |
| Equity capital to assets | 11.7617% | 2,354 |
| Core capital (leverage) ratio | 10.8731% | 2,419 |
| Tier 1 risk-based capital ratio | 16.2468% | 3,036 |
| Total risk-based capital ratio | 17.4982% | 3,002 |
| Memoranda: |
| Average total assets | $81,794,000 | 5,387 |
| Average earning assets | $72,127,670 | 5,455 |
| Average equity | $9,447,330 | 5,168 |
| Average total loans | $46,795,330 | 5,313 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2751% | 1,154 |
| Cost of funding earning assets | 1.0011% | 1,979 |
| Net interest margin | 4.2740% | 1,548 |
| Noninterest income to average assets | 0.6559% | 2,894 |
| Noninterest expense to average assets | 3.0691% | 3,022 |
| Loan and lease loss provision to assets | 0.2203% | 2,741 |
| Net operating income to assets | 0.8980% | 2,930 |
| Return on assets (ROA) | 0.9055% | 3,113 |
| Pretax return on assets | 1.1797% | 2,990 |
| Return on Equity (ROE) | 7.9127% | 3,325 |
| Retained earnings to average equity (ytd only) | 5.4320% | 3,297 |
| Net charge-offs to loans | 0.4562% | 1,956 |
| Credit loss provision to net charge-offs | 83.3333% | 2,671 |
| Earnings coverage of net charge-offs (x) | 5.2593% | 2,412 |
| Efficiency ratio | 68.8255% | 4,012 |
| Assets per employee ($millions) | 3.0396% | 6,080 |
| Cash dividends to net income (ytd only)* | 31.3514% | 2,046 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4005% | 4,615 |
| Loan loss allowance to noncurrent loans | 582.6087% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 5,267 |
| Noncurrent loans to loans | 0.2404% | 6,212 |
| Net loans and leases to total assets | 57.4772% | 4,133 |
| Net loans and leases to deposits | 67.4016% | 4,162 |
| Net loans and leases to core deposits | 71.3966% | 4,238 |
| Total domestic deposits to total assets | 85.2758% | 3,892 |
| Equity capital to assets | 11.5415% | 2,402 |
| Core capital (leverage) ratio | 10.7875% | 2,454 |
| Tier 1 risk-based capital ratio | 15.5274% | 3,431 |
| Total risk-based capital ratio | 16.7078% | 3,441 |
| Memoranda: |
| Average total assets | $81,719,000 | 5,420 |
| Average earning assets | $72,719,000 | 5,474 |
| Average equity | $9,352,000 | 5,203 |
| Average total loans | $47,349,000 | 5,327 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3634% | 1,518 |
| Cost of funding earning assets | 1.1238% | 2,514 |
| Net interest margin | 4.2395% | 1,927 |
| Noninterest income to average assets | 0.5898% | 3,224 |
| Noninterest expense to average assets | 3.1788% | 2,941 |
| Loan and lease loss provision to assets | 0.2212% | 3,986 |
| Net operating income to assets | 0.7476% | 3,269 |
| Return on assets (ROA) | 0.7667% | 3,350 |
| Pretax return on assets | 0.9830% | 3,307 |
| Return on Equity (ROE) | 6.8996% | 3,440 |
| Retained earnings to average equity (ytd only) | 3.1402% | 3,988 |
| Net charge-offs to loans | 0.1349% | 5,066 |
| Credit loss provision to net charge-offs | 285.7143% | 830 |
| Earnings coverage of net charge-offs (x) | 15.2381% | 1,407 |
| Efficiency ratio | 72.9349% | 3,404 |
| Assets per employee ($millions) | 2.8058% | 6,448 |
| Cash dividends to net income (ytd only)* | 54.4872% | 1,823 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4491% | 4,242 |
| Loan loss allowance to noncurrent loans | 317.2897% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 4,230 |
| Noncurrent loans to loans | 0.4567% | 5,794 |
| Net loans and leases to total assets | 56.7513% | 4,581 |
| Net loans and leases to deposits | 67.0354% | 4,573 |
| Net loans and leases to core deposits | 71.0715% | 4,641 |
| Total domestic deposits to total assets | 84.6588% | 4,013 |
| Equity capital to assets | 11.3458% | 2,643 |
| Core capital (leverage) ratio | 10.4143% | 2,831 |
| Tier 1 risk-based capital ratio | 15.3947% | 3,393 |
| Total risk-based capital ratio | 16.6160% | 3,363 |
| Memoranda: |
| Average total assets | $81,383,600 | 5,424 |
| Average earning assets | $72,342,600 | 5,462 |
| Average equity | $9,044,000 | 5,265 |
| Average total loans | $46,691,400 | 5,394 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3655% | 1,621 |
| Cost of funding earning assets | 1.1501% | 2,631 |
| Net interest margin | 4.2153% | 2,042 |
| Noninterest income to average assets | 0.5455% | 3,544 |
| Noninterest expense to average assets | 3.1650% | 2,941 |
| Loan and lease loss provision to assets | 0.2212% | 3,804 |
| Net operating income to assets | 0.7179% | 3,515 |
| Return on assets (ROA) | 0.7438% | 3,581 |
| Pretax return on assets | 0.9387% | 3,624 |
| Return on Equity (ROE) | 6.7280% | 3,649 |
| Retained earnings to average equity (ytd only) | 4.1049% | 3,809 |
| Net charge-offs to loans | 0.0886% | 5,087 |
| Credit loss provision to net charge-offs | 435.4839% | 642 |
| Earnings coverage of net charge-offs (x) | 22.1948% | 1,162 |
| Efficiency ratio | 73.7405% | 3,231 |
| Assets per employee ($millions) | 2.8007% | 6,485 |
| Cash dividends to net income (ytd only)* | 38.9860% | 2,072 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4174% | 4,476 |
| Loan loss allowance to noncurrent loans | 1,110.0000% | 330 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 4,737 |
| Noncurrent loans to loans | 0.1277% | 6,620 |
| Net loans and leases to total assets | 57.0335% | 4,676 |
| Net loans and leases to deposits | 67.7976% | 4,646 |
| Net loans and leases to core deposits | 71.9118% | 4,725 |
| Total domestic deposits to total assets | 84.1232% | 4,174 |
| Equity capital to assets | 11.4554% | 2,727 |
| Core capital (leverage) ratio | 10.5275% | 2,836 |
| Tier 1 risk-based capital ratio | 15.4940% | 3,391 |
| Total risk-based capital ratio | 16.6934% | 3,388 |
| Memoranda: |
| Average total assets | $81,387,250 | 5,461 |
| Average earning assets | $72,337,500 | 5,504 |
| Average equity | $8,997,000 | 5,308 |
| Average total loans | $46,650,000 | 5,444 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3802% | 1,623 |
| Cost of funding earning assets | 1.1761% | 2,732 |
| Net interest margin | 4.2041% | 2,018 |
| Noninterest income to average assets | 0.4617% | 4,176 |
| Noninterest expense to average assets | 3.1728% | 2,993 |
| Loan and lease loss provision to assets | 0.2210% | 3,708 |
| Net operating income to assets | 0.6262% | 3,925 |
| Return on assets (ROA) | 0.6262% | 4,053 |
| Pretax return on assets | 0.7809% | 4,096 |
| Return on Equity (ROE) | 5.7338% | 4,092 |
| Retained earnings to average equity (ytd only) | 3.0580% | 4,332 |
| Net charge-offs to loans | 0.0516% | 5,137 |
| Credit loss provision to net charge-offs | 750.0000% | 431 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 844 |
| Efficiency ratio | 76.0000% | 3,011 |
| Assets per employee ($millions) | 2.8123% | 6,454 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,807 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3716% | 4,721 |
| Loan loss allowance to noncurrent loans | 467.1533% | 709 |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 4,217 |
| Noncurrent loans to loans | 0.2936% | 6,327 |
| Net loans and leases to total assets | 56.4268% | 4,916 |
| Net loans and leases to deposits | 66.9538% | 4,858 |
| Net loans and leases to core deposits | 71.3732% | 4,902 |
| Total domestic deposits to total assets | 84.2773% | 4,227 |
| Equity capital to assets | 11.1799% | 2,783 |
| Core capital (leverage) ratio | 10.5374% | 2,677 |
| Tier 1 risk-based capital ratio | 15.5170% | 3,229 |
| Total risk-based capital ratio | 16.6727% | 3,227 |
| Memoranda: |
| Average total assets | $81,443,330 | 5,505 |
| Average earning assets | $71,930,330 | 5,560 |
| Average equity | $8,894,670 | 5,353 |
| Average total loans | $46,537,330 | 5,498 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3969% | 1,570 |
| Cost of funding earning assets | 1.2118% | 2,735 |
| Net interest margin | 4.1851% | 1,947 |
| Noninterest income to average assets | 0.5013% | 3,875 |
| Noninterest expense to average assets | 3.2290% | 2,784 |
| Loan and lease loss provision to assets | 0.2212% | 3,446 |
| Net operating income to assets | 0.5701% | 4,180 |
| Return on assets (ROA) | 0.5701% | 4,257 |
| Pretax return on assets | 0.7176% | 4,231 |
| Return on Equity (ROE) | 5.2829% | 4,251 |
| Retained earnings to average equity (ytd only) | 2.6415% | 4,584 |
| Net charge-offs to loans | 0.1033% | 3,923 |
| Credit loss provision to net charge-offs | 375.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 15.9167% | 1,292 |
| Efficiency ratio | 77.4764% | 2,917 |
| Assets per employee ($millions) | 2.6496% | 6,770 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,470 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2619% | 5,331 |
| Loan loss allowance to noncurrent loans | 595.0000% | 564 |
| Noncurrent assets plus other real estate owned to assets | 1.1627% | 4,614 |
| Noncurrent loans to loans | 0.2121% | 6,546 |
| Net loans and leases to total assets | 56.6790% | 4,877 |
| Net loans and leases to deposits | 67.2187% | 4,800 |
| Net loans and leases to core deposits | 71.3060% | 4,887 |
| Total domestic deposits to total assets | 84.3203% | 4,359 |
| Equity capital to assets | 10.8147% | 2,864 |
| Core capital (leverage) ratio | 10.5610% | 2,546 |
| Tier 1 risk-based capital ratio | 15.2840% | 3,265 |
| Total risk-based capital ratio | 16.3474% | 3,338 |
| Memoranda: |
| Average total assets | $81,386,500 | 5,551 |
| Average earning assets | $71,300,000 | 5,623 |
| Average equity | $8,783,000 | 5,390 |
| Average total loans | $46,476,000 | 5,548 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7943% | 1,292 |
| Cost of funding earning assets | 1.4230% | 3,122 |
| Net interest margin | 4.3712% | 1,585 |
| Noninterest income to average assets | 0.7179% | 2,733 |
| Noninterest expense to average assets | 3.5018% | 2,171 |
| Loan and lease loss provision to assets | 0.2328% | 4,951 |
| Net operating income to assets | 0.7309% | 3,097 |
| Return on assets (ROA) | 0.7775% | 3,016 |
| Pretax return on assets | 0.9715% | 3,024 |
| Return on Equity (ROE) | 6.8864% | 3,174 |
| Retained earnings to average equity (ytd only) | 3.0364% | 3,725 |
| Net charge-offs to loans | 0.2400% | 4,849 |
| Credit loss provision to net charge-offs | 163.6364% | 2,116 |
| Earnings coverage of net charge-offs (x) | 8.0545% | 2,020 |
| Efficiency ratio | 75.3409% | 3,143 |
| Assets per employee ($millions) | 2.5198% | 6,980 |
| Cash dividends to net income (ytd only)* | 55.9068% | 1,809 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2270% | 5,381 |
| Loan loss allowance to noncurrent loans | 205.1095% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 1.4001% | 4,242 |
| Noncurrent loans to loans | 0.5982% | 5,845 |
| Net loans and leases to total assets | 56.1047% | 5,330 |
| Net loans and leases to deposits | 67.6516% | 5,148 |
| Net loans and leases to core deposits | 71.9088% | 5,223 |
| Total domestic deposits to total assets | 82.9317% | 4,820 |
| Equity capital to assets | 10.7683% | 2,886 |
| Core capital (leverage) ratio | 10.4497% | 2,609 |
| Tier 1 risk-based capital ratio | 15.9834% | 2,758 |
| Total risk-based capital ratio | 17.0456% | 2,810 |
| Memoranda: |
| Average total assets | $77,303,600 | 5,669 |
| Average earning assets | $69,499,600 | 5,689 |
| Average equity | $8,727,400 | 5,496 |
| Average total loans | $45,840,400 | 5,656 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7662% | 1,496 |
| Cost of funding earning assets | 1.4477% | 3,293 |
| Net interest margin | 4.3184% | 1,783 |
| Noninterest income to average assets | 0.6608% | 3,068 |
| Noninterest expense to average assets | 3.5028% | 2,027 |
| Loan and lease loss provision to assets | 0.2354% | 4,718 |
| Net operating income to assets | 0.7094% | 3,367 |
| Return on assets (ROA) | 0.7166% | 3,492 |
| Pretax return on assets | 0.8788% | 3,628 |
| Return on Equity (ROE) | 6.2710% | 3,689 |
| Retained earnings to average equity (ytd only) | 3.5703% | 3,938 |
| Net charge-offs to loans | 0.2762% | 4,289 |
| Credit loss provision to net charge-offs | 142.1053% | 2,779 |
| Earnings coverage of net charge-offs (x) | 6.6739% | 2,474 |
| Efficiency ratio | 76.0121% | 2,951 |
| Assets per employee ($millions) | 2.5312% | 7,045 |
| Cash dividends to net income (ytd only)* | 43.0647% | 1,945 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1509% | 5,709 |
| Loan loss allowance to noncurrent loans | 108.5714% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.8313% | 3,705 |
| Noncurrent loans to loans | 1.0600% | 5,123 |
| Net loans and leases to total assets | 58.2327% | 5,231 |
| Net loans and leases to deposits | 69.7331% | 5,191 |
| Net loans and leases to core deposits | 73.0158% | 5,405 |
| Total domestic deposits to total assets | 83.5079% | 4,370 |
| Equity capital to assets | 11.4442% | 2,579 |
| Core capital (leverage) ratio | 10.8800% | 2,350 |
| Tier 1 risk-based capital ratio | 15.7307% | 2,894 |
| Total risk-based capital ratio | 16.7252% | 2,979 |
| Memoranda: |
| Average total assets | $76,470,750 | 5,755 |
| Average earning assets | $69,900,000 | 5,738 |
| Average equity | $8,738,500 | 5,567 |
| Average total loans | $45,850,000 | 5,739 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8057% | 1,410 |
| Cost of funding earning assets | 1.4897% | 3,311 |
| Net interest margin | 4.3160% | 1,714 |
| Noninterest income to average assets | 0.6490% | 3,020 |
| Noninterest expense to average assets | 3.5037% | 2,022 |
| Loan and lease loss provision to assets | 0.2375% | 4,537 |
| Net operating income to assets | 0.8002% | 2,974 |
| Return on assets (ROA) | 0.8126% | 3,061 |
| Pretax return on assets | 0.8654% | 3,643 |
| Return on Equity (ROE) | 7.1148% | 3,250 |
| Retained earnings to average equity (ytd only) | 4.3659% | 3,297 |
| Net charge-offs to loans | 0.2362% | 4,188 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 7.6481% | 2,264 |
| Efficiency ratio | 76.2780% | 3,023 |
| Assets per employee ($millions) | 2.3817% | 7,252 |
| Cash dividends to net income (ytd only)* | 38.6364% | 2,143 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1514% | 5,685 |
| Loan loss allowance to noncurrent loans | 76.9679% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 4,282 |
| Noncurrent loans to loans | 1.4959% | 4,459 |
| Net loans and leases to total assets | 59.4773% | 5,162 |
| Net loans and leases to deposits | 71.3297% | 5,102 |
| Net loans and leases to core deposits | 75.3203% | 5,274 |
| Total domestic deposits to total assets | 83.3836% | 4,398 |
| Equity capital to assets | 11.4060% | 2,515 |
| Core capital (leverage) ratio | 10.7916% | 2,403 |
| Tier 1 risk-based capital ratio | 15.8548% | 2,737 |
| Total risk-based capital ratio | 16.8642% | 2,812 |
| Memoranda: |
| Average total assets | $75,805,000 | 5,807 |
| Average earning assets | $69,277,330 | 5,796 |
| Average equity | $8,658,000 | 5,596 |
| Average total loans | $45,724,670 | 5,780 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8400% | 1,348 |
| Cost of funding earning assets | 1.5280% | 3,382 |
| Net interest margin | 4.3120% | 1,652 |
| Noninterest income to average assets | 0.6243% | 3,125 |
| Noninterest expense to average assets | 3.6349% | 1,654 |
| Loan and lease loss provision to assets | 0.2381% | 4,140 |
| Net operating income to assets | 0.7302% | 3,303 |
| Return on assets (ROA) | 0.7302% | 3,412 |
| Pretax return on assets | 0.6931% | 4,259 |
| Return on Equity (ROE) | 6.3885% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.7035% | 3,935 |
| Net charge-offs to loans | 0.5256% | 2,492 |
| Credit loss provision to net charge-offs | 75.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | 2.9333% | 3,085 |
| Efficiency ratio | 79.6060% | 2,629 |
| Assets per employee ($millions) | 2.4086% | 7,321 |
| Cash dividends to net income (ytd only)* | 42.0290% | 1,696 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0434% | 6,266 |
| Loan loss allowance to noncurrent loans | 124.8691% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1936% | 4,788 |
| Noncurrent loans to loans | 0.8356% | 5,641 |
| Net loans and leases to total assets | 58.6940% | 5,321 |
| Net loans and leases to deposits | 70.1239% | 5,331 |
| Net loans and leases to core deposits | 76.0844% | 5,249 |
| Total domestic deposits to total assets | 83.7005% | 4,303 |
| Equity capital to assets | 11.1656% | 2,621 |
| Core capital (leverage) ratio | 10.9774% | 2,244 |
| Tier 1 risk-based capital ratio | 16.0836% | 2,620 |
| Total risk-based capital ratio | 17.0046% | 2,697 |
| Memoranda: |
| Average total assets | $75,600,500 | 5,890 |
| Average earning assets | $69,109,000 | 5,874 |
| Average equity | $8,640,500 | 5,647 |
| Average total loans | $45,658,000 | 5,857 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4937% | 680 |
| Cost of funding earning assets | 1.9947% | 2,985 |
| Net interest margin | 4.4990% | 1,183 |
| Noninterest income to average assets | 1.0446% | 1,425 |
| Noninterest expense to average assets | 3.7177% | 1,871 |
| Loan and lease loss provision to assets | 0.2417% | 5,448 |
| Net operating income to assets | 0.9243% | 2,096 |
| Return on assets (ROA) | 0.8284% | 2,510 |
| Pretax return on assets | 0.9895% | 2,625 |
| Return on Equity (ROE) | 7.3880% | 2,625 |
| Retained earnings to average equity (ytd only) | 3.6401% | 2,638 |
| Net charge-offs to loans | 0.3693% | 4,371 |
| Credit loss provision to net charge-offs | 102.8571% | 5,367 |
| Earnings coverage of net charge-offs (x) | 5.7257% | 2,515 |
| Efficiency ratio | 73.4288% | 4,012 |
| Assets per employee ($millions) | 2.2462% | 7,532 |
| Cash dividends to net income (ytd only)* | 50.7293% | 2,432 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0789% | 6,000 |
| Loan loss allowance to noncurrent loans | 151.3846% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.9889% | 5,129 |
| Noncurrent loans to loans | 0.7127% | 5,821 |
| Net loans and leases to total assets | 60.8540% | 5,211 |
| Net loans and leases to deposits | 73.4574% | 5,126 |
| Net loans and leases to core deposits | 90.2937% | 5,092 |
| Total domestic deposits to total assets | 82.8425% | 4,586 |
| Equity capital to assets | 11.7032% | 2,187 |
| Core capital (leverage) ratio | 11.1141% | 2,164 |
| Tier 1 risk-based capital ratio | 16.4626% | 2,334 |
| Total risk-based capital ratio | 17.4358% | 2,375 |
| Memoranda: |
| Average total assets | $74,480,800 | 5,880 |
| Average earning assets | $66,525,800 | 5,914 |
| Average equity | $8,351,400 | 5,821 |
| Average total loans | $47,390,600 | 5,787 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6450% | 565 |
| Cost of funding earning assets | 2.0640% | 3,057 |
| Net interest margin | 4.5810% | 1,019 |
| Noninterest income to average assets | 1.1211% | 1,260 |
| Noninterest expense to average assets | 3.7619% | 1,684 |
| Loan and lease loss provision to assets | 0.2414% | 5,027 |
| Net operating income to assets | 0.9664% | 2,173 |
| Return on assets (ROA) | 1.0031% | 2,103 |
| Pretax return on assets | 1.2301% | 2,166 |
| Return on Equity (ROE) | 9.0440% | 2,247 |
| Retained earnings to average equity (ytd only) | 6.4807% | 1,717 |
| Net charge-offs to loans | 0.4264% | 3,551 |
| Credit loss provision to net charge-offs | 88.2353% | 5,529 |
| Earnings coverage of net charge-offs (x) | 5.2158% | 2,892 |
| Efficiency ratio | 72.5017% | 4,149 |
| Assets per employee ($millions) | 2.3801% | 7,406 |
| Cash dividends to net income (ytd only)* | 28.3417% | 2,947 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0006% | 6,287 |
| Loan loss allowance to noncurrent loans | 82.3944% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.3567% | 4,376 |
| Noncurrent loans to loans | 1.2144% | 4,916 |
| Net loans and leases to total assets | 62.7592% | 5,113 |
| Net loans and leases to deposits | 77.5888% | 4,802 |
| Net loans and leases to core deposits | 94.6700% | 4,962 |
| Total domestic deposits to total assets | 80.8869% | 5,125 |
| Equity capital to assets | 11.7576% | 2,391 |
| Core capital (leverage) ratio | 11.1712% | 2,285 |
| Tier 1 risk-based capital ratio | 16.3478% | 2,495 |
| Total risk-based capital ratio | 17.2560% | 2,557 |
| Memoranda: |
| Average total assets | $74,569,750 | 5,921 |
| Average earning assets | $66,213,250 | 5,961 |
| Average equity | $8,270,500 | 5,894 |
| Average total loans | $47,838,250 | 5,809 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7947% | 455 |
| Cost of funding earning assets | 2.1292% | 3,131 |
| Net interest margin | 4.6655% | 847 |
| Noninterest income to average assets | 1.1118% | 1,286 |
| Noninterest expense to average assets | 3.7791% | 1,689 |
| Loan and lease loss provision to assets | 0.2405% | 4,665 |
| Net operating income to assets | 0.9547% | 2,264 |
| Return on assets (ROA) | 0.9889% | 2,246 |
| Pretax return on assets | 1.2401% | 2,195 |
| Return on Equity (ROE) | 9.0957% | 2,328 |
| Retained earnings to average equity (ytd only) | 6.4899% | 1,805 |
| Net charge-offs to loans | 0.3776% | 3,307 |
| Credit loss provision to net charge-offs | 98.9011% | 4,649 |
| Earnings coverage of net charge-offs (x) | 5.9121% | 2,731 |
| Efficiency ratio | 72.4385% | 4,324 |
| Assets per employee ($millions) | 2.2572% | 7,612 |
| Cash dividends to net income (ytd only)* | 28.6486% | 2,891 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0285% | 6,029 |
| Loan loss allowance to noncurrent loans | 70.3919% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.5439% | 3,914 |
| Noncurrent loans to loans | 1.4611% | 4,304 |
| Net loans and leases to total assets | 62.6557% | 5,241 |
| Net loans and leases to deposits | 76.7363% | 5,063 |
| Net loans and leases to core deposits | 97.0231% | 4,782 |
| Total domestic deposits to total assets | 81.6507% | 4,836 |
| Equity capital to assets | 10.9870% | 2,932 |
| Core capital (leverage) ratio | 10.9042% | 2,481 |
| Tier 1 risk-based capital ratio | 15.9140% | 2,656 |
| Total risk-based capital ratio | 16.8456% | 2,706 |
| Memoranda: |
| Average total assets | $74,832,330 | 5,952 |
| Average earning assets | $65,845,670 | 6,013 |
| Average equity | $8,135,670 | 5,973 |
| Average total loans | $48,193,330 | 5,840 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9908% | 348 |
| Cost of funding earning assets | 2.2434% | 2,944 |
| Net interest margin | 4.7475% | 692 |
| Noninterest income to average assets | 1.1039% | 1,220 |
| Noninterest expense to average assets | 3.6478% | 1,757 |
| Loan and lease loss provision to assets | 0.2400% | 4,062 |
| Net operating income to assets | 1.0649% | 2,088 |
| Return on assets (ROA) | 1.1306% | 1,987 |
| Pretax return on assets | 1.4772% | 1,735 |
| Return on Equity (ROE) | 10.4543% | 2,147 |
| Retained earnings to average equity (ytd only) | 7.8407% | 1,877 |
| Net charge-offs to loans | 0.3038% | 2,892 |
| Credit loss provision to net charge-offs | 121.6216% | 3,237 |
| Earnings coverage of net charge-offs (x) | 8.2703% | 2,218 |
| Efficiency ratio | 69.0909% | 4,760 |
| Assets per employee ($millions) | 2.2870% | 7,604 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,444 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0074% | 6,125 |
| Loan loss allowance to noncurrent loans | 71.3873% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.7715% | 3,262 |
| Noncurrent loans to loans | 1.4112% | 4,191 |
| Net loans and leases to total assets | 64.3187% | 4,927 |
| Net loans and leases to deposits | 79.3533% | 4,715 |
| Net loans and leases to core deposits | 102.0454% | 4,342 |
| Total domestic deposits to total assets | 81.0536% | 4,949 |
| Equity capital to assets | 10.9009% | 3,073 |
| Core capital (leverage) ratio | 10.7020% | 2,738 |
| Tier 1 risk-based capital ratio | 15.6350% | 2,802 |
| Total risk-based capital ratio | 16.5791% | 2,865 |
| Memoranda: |
| Average total assets | $75,004,500 | 5,974 |
| Average earning assets | $65,972,000 | 6,040 |
| Average equity | $8,111,500 | 6,015 |
| Average total loans | $48,712,000 | 5,854 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9288% | 1,315 |
| Cost of funding earning assets | 2.5885% | 3,735 |
| Net interest margin | 4.3403% | 1,855 |
| Noninterest income to average assets | 0.5244% | 4,427 |
| Noninterest expense to average assets | 3.0470% | 3,909 |
| Loan and lease loss provision to assets | 0.3607% | 3,526 |
| Net operating income to assets | 1.0087% | 2,517 |
| Return on assets (ROA) | 0.4625% | 4,714 |
| Pretax return on assets | 0.4767% | 5,050 |
| Return on Equity (ROE) | 4.4229% | 4,632 |
| Retained earnings to average equity (ytd only) | 0.5790% | 4,893 |
| Net charge-offs to loans | 0.5970% | 2,039 |
| Credit loss provision to net charge-offs | 94.5946% | 5,555 |
| Earnings coverage of net charge-offs (x) | 3.6723% | 4,259 |
| Efficiency ratio | 68.5110% | 4,629 |
| Assets per employee ($millions) | 2.3293% | 7,516 |
| Cash dividends to net income (ytd only)* | 86.9081% | 1,419 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0044% | 6,010 |
| Loan loss allowance to noncurrent loans | 66.5753% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.8675% | 2,636 |
| Noncurrent loans to loans | 1.5086% | 3,530 |
| Net loans and leases to total assets | 64.2652% | 5,218 |
| Net loans and leases to deposits | 79.9820% | 5,045 |
| Net loans and leases to core deposits | 103.7873% | 4,412 |
| Total domestic deposits to total assets | 80.3496% | 4,886 |
| Equity capital to assets | 10.7274% | 3,273 |
| Core capital (leverage) ratio | 10.5587% | 2,930 |
| Tier 1 risk-based capital ratio | 14.9886% | 3,052 |
| Total risk-based capital ratio | 15.8968% | 3,148 |
| Memoranda: |
| Average total assets | $77,617,200 | 5,784 |
| Average earning assets | $70,156,600 | 5,812 |
| Average equity | $8,116,800 | 6,037 |
| Average total loans | $49,577,800 | 5,721 |
