| 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 | 6.3138% | 426 |
| Cost of funding earning assets | 3.5401% | 71 |
| Net interest margin | 2.7737% | 3,709 |
| Noninterest income to average assets | -0.1700% | 4,588 |
| Noninterest expense to average assets | 1.7803% | 4,028 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.5725% | 3,508 |
| Return on assets (ROA) | 0.5725% | 3,498 |
| Pretax return on assets | 0.5725% | 3,685 |
| Return on Equity (ROE) | 6.6600% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.6790% | 3,388 |
| Net charge-offs to loans | 0.0029% | 2,683 |
| Credit loss provision to net charge-offs | 15,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 587.6667% | 250 |
| Efficiency ratio | 69.8426% | 1,900 |
| Assets per employee ($millions) | 9.0551% | 964 |
| Cash dividends to net income (ytd only)* | 59.7867% | 1,195 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5329% | 973 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 46.0300% | 3,812 |
| Net loans and leases to deposits | 56.3093% | 3,697 |
| Net loans and leases to core deposits | 60.4269% | 3,748 |
| Total domestic deposits to total assets | 81.7500% | 3,170 |
| Equity capital to assets | 7.8894% | 3,488 |
| Core capital (leverage) ratio | 8.1463% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8907% | 1,094 |
| Memoranda: |
| Average total assets | $229,341,400 | 2,791 |
| Average earning assets | $224,540,600 | 2,716 |
| Average equity | $19,709,000 | 2,879 |
| Average total loans | $103,185,600 | 3,141 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0407% | 503 |
| Cost of funding earning assets | 3.3685% | 71 |
| Net interest margin | 2.6721% | 3,918 |
| Noninterest income to average assets | -0.1300% | 4,617 |
| Noninterest expense to average assets | 1.7949% | 3,984 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.5768% | 3,606 |
| Return on assets (ROA) | 0.5768% | 3,590 |
| Pretax return on assets | 0.5768% | 3,778 |
| Return on Equity (ROE) | 6.5600% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.5594% | 2,442 |
| Net charge-offs to loans | 0.0040% | 2,348 |
| Credit loss provision to net charge-offs | 6,333.3333% | 84 |
| Earnings coverage of net charge-offs (x) | 385.3333% | 372 |
| Efficiency ratio | 72.2249% | 1,541 |
| Assets per employee ($millions) | 8.2496% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4836% | 1,149 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 41.7500% | 3,996 |
| Net loans and leases to deposits | 51.7756% | 3,881 |
| Net loans and leases to core deposits | 55.2885% | 3,888 |
| Total domestic deposits to total assets | 80.6400% | 3,440 |
| Equity capital to assets | 8.1014% | 2,983 |
| Core capital (leverage) ratio | 9.0075% | 3,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1564% | 686 |
| Memoranda: |
| Average total assets | $223,290,750 | 2,839 |
| Average earning assets | $218,645,250 | 2,761 |
| Average equity | $19,635,500 | 2,875 |
| Average total loans | $99,349,250 | 3,185 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9577% | 465 |
| Cost of funding earning assets | 3.2137% | 60 |
| Net interest margin | 2.7440% | 3,918 |
| Noninterest income to average assets | -0.0500% | 4,646 |
| Noninterest expense to average assets | 1.8409% | 3,926 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7230% | 3,287 |
| Return on assets (ROA) | 0.7230% | 3,289 |
| Pretax return on assets | 0.7230% | 3,556 |
| Return on Equity (ROE) | 7.9800% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.9806% | 1,969 |
| Net charge-offs to loans | 0.0062% | 2,021 |
| Credit loss provision to net charge-offs | 2,533.3333% | 215 |
| Earnings coverage of net charge-offs (x) | 284.6667% | 470 |
| Efficiency ratio | 69.8765% | 1,771 |
| Assets per employee ($millions) | 6.7233% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4697% | 1,280 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 42.2600% | 3,955 |
| Net loans and leases to deposits | 53.3028% | 3,785 |
| Net loans and leases to core deposits | 56.4366% | 3,795 |
| Total domestic deposits to total assets | 79.2900% | 3,682 |
| Equity capital to assets | 8.6892% | 2,723 |
| Core capital (leverage) ratio | 8.9383% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1945% | 618 |
| Memoranda: |
| Average total assets | $215,224,667 | 2,895 |
| Average earning assets | $210,787,333 | 2,821 |
| Average equity | $19,497,333 | 2,906 |
| Average total loans | $97,505,000 | 3,201 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1691% | 995 |
| Cost of funding earning assets | 2.7382% | 65 |
| Net interest margin | 2.4309% | 4,362 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.9047% | 3,844 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.6713% | 3,527 |
| Return on assets (ROA) | 0.6713% | 3,482 |
| Pretax return on assets | 0.6713% | 3,715 |
| Return on Equity (ROE) | 7.2500% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.2484% | 2,435 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9286% | 1,649 |
| Assets per employee ($millions) | 6.6736% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4318% | 1,494 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 43.2300% | 3,899 |
| Net loans and leases to deposits | 54.4745% | 3,654 |
| Net loans and leases to core deposits | 57.1761% | 3,680 |
| Total domestic deposits to total assets | 79.3700% | 3,850 |
| Equity capital to assets | 8.6420% | 2,793 |
| Core capital (leverage) ratio | 10.5902% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9773% | 571 |
| Memoranda: |
| Average total assets | $208,540,500 | 2,982 |
| Average earning assets | $204,366,500 | 2,905 |
| Average equity | $19,314,500 | 2,953 |
| Average total loans | $97,233,500 | 3,240 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5782% | 632 |
| Cost of funding earning assets | 1.2602% | 58 |
| Net interest margin | 3.3180% | 2,521 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.2722% | 2,827 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.6372% | 627 |
| Return on assets (ROA) | 1.6372% | 597 |
| Pretax return on assets | 1.6372% | 1,066 |
| Return on Equity (ROE) | 16.9700% | 866 |
| Retained earnings to average equity (ytd only) | 13.2366% | 475 |
| Net charge-offs to loans | 0.0022% | 2,446 |
| Credit loss provision to net charge-offs | 22,800.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,535.0000% | 116 |
| Efficiency ratio | 54.1654% | 3,782 |
| Assets per employee ($millions) | 5.9430% | 2,818 |
| Cash dividends to net income (ytd only)* | 21.9969% | 2,809 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4419% | 1,364 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.2000% | 3,566 |
| Net loans and leases to deposits | 55.1371% | 3,621 |
| Net loans and leases to core deposits | 57.1928% | 3,661 |
| Total domestic deposits to total assets | 89.2400% | 1,650 |
| Equity capital to assets | 10.0012% | 1,704 |
| Core capital (leverage) ratio | 11.1458% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8210% | 562 |
| Memoranda: |
| Average total assets | $159,666,600 | 3,350 |
| Average earning assets | $156,719,800 | 3,268 |
| Average equity | $15,404,200 | 3,335 |
| Average total loans | $90,376,600 | 3,286 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2927% | 748 |
| Cost of funding earning assets | 0.8569% | 125 |
| Net interest margin | 3.4358% | 1,849 |
| Noninterest income to average assets | 1.2000% | 507 |
| Noninterest expense to average assets | 2.4616% | 2,121 |
| Loan and lease loss provision to assets | 0.3600% | 169 |
| Net operating income to assets | 1.7513% | 469 |
| Return on assets (ROA) | 1.7513% | 459 |
| Pretax return on assets | 1.7513% | 809 |
| Return on Equity (ROE) | 18.3600% | 598 |
| Retained earnings to average equity (ytd only) | 18.3624% | 153 |
| Net charge-offs to loans | 0.0030% | 2,130 |
| Credit loss provision to net charge-offs | 20,400.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 1,202.5000% | 122 |
| Efficiency ratio | 53.8565% | 3,832 |
| Assets per employee ($millions) | 5.4360% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6389% | 995 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.6200% | 3,566 |
| Net loans and leases to deposits | 55.4923% | 3,516 |
| Net loans and leases to core deposits | 57.8251% | 3,515 |
| Total domestic deposits to total assets | 87.6100% | 2,555 |
| Equity capital to assets | 11.6838% | 944 |
| Core capital (leverage) ratio | 12.1781% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4627% | 367 |
| Memoranda: |
| Average total assets | $152,039,000 | 3,450 |
| Average earning assets | $149,366,250 | 3,351 |
| Average equity | $14,500,250 | 3,463 |
| Average total loans | $89,235,500 | 3,312 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9424% | 1,043 |
| Cost of funding earning assets | 0.5252% | 449 |
| Net interest margin | 3.4172% | 1,550 |
| Noninterest income to average assets | 1.2375% | 454 |
| Noninterest expense to average assets | 2.1960% | 2,874 |
| Loan and lease loss provision to assets | 0.5473% | 96 |
| Net operating income to assets | 1.8536% | 300 |
| Return on assets (ROA) | 1.8536% | 295 |
| Pretax return on assets | 1.8536% | 526 |
| Return on Equity (ROE) | 21.1826% | 232 |
| Retained earnings to average equity (ytd only) | 21.1826% | 58 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7713% | 4,357 |
| Assets per employee ($millions) | 8.2442% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3966% | 1,770 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.8505% | 2,032 |
| Net loans and leases to deposits | 69.5768% | 2,254 |
| Net loans and leases to core deposits | 72.5317% | 2,280 |
| Total domestic deposits to total assets | 90.3326% | 1,561 |
| Equity capital to assets | 8.9006% | 2,447 |
| Core capital (leverage) ratio | 9.2718% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3460% | 1,345 |
| Memoranda: |
| Average total assets | $148,358,333 | 3,519 |
| Average earning assets | $145,850,000 | 3,437 |
| Average equity | $12,982,333 | 3,684 |
| Average total loans | $92,112,333 | 3,299 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6492% | 1,385 |
| Cost of funding earning assets | 0.3781% | 999 |
| Net interest margin | 3.2711% | 1,644 |
| Noninterest income to average assets | 1.8019% | 278 |
| Noninterest expense to average assets | 2.2928% | 2,526 |
| Loan and lease loss provision to assets | 0.7418% | 58 |
| Net operating income to assets | 1.9880% | 228 |
| Return on assets (ROA) | 1.9880% | 227 |
| Pretax return on assets | 1.9880% | 366 |
| Return on Equity (ROE) | 22.9069% | 129 |
| Retained earnings to average equity (ytd only) | 22.9069% | 62 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6498% | 4,507 |
| Assets per employee ($millions) | 9.7497% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3037% | 2,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 61.5996% | 1,906 |
| Net loans and leases to deposits | 68.2870% | 2,122 |
| Net loans and leases to core deposits | 70.7908% | 2,229 |
| Total domestic deposits to total assets | 90.2069% | 1,439 |
| Equity capital to assets | 8.9561% | 2,749 |
| Core capital (leverage) ratio | 8.9020% | 3,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6380% | 1,117 |
| Memoranda: |
| Average total assets | $148,288,500 | 3,529 |
| Average earning assets | $146,004,000 | 3,451 |
| Average equity | $12,869,500 | 3,773 |
| Average total loans | $90,874,500 | 3,319 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7363% | 2,016 |
| Cost of funding earning assets | 0.3610% | 1,849 |
| Net interest margin | 3.3753% | 2,102 |
| Noninterest income to average assets | 0.4211% | 2,937 |
| Noninterest expense to average assets | 2.1030% | 3,380 |
| Loan and lease loss provision to assets | 0.1658% | 704 |
| Net operating income to assets | 1.4873% | 1,042 |
| Return on assets (ROA) | 1.4873% | 1,097 |
| Pretax return on assets | 1.4873% | 1,764 |
| Return on Equity (ROE) | 16.7534% | 629 |
| Retained earnings to average equity (ytd only) | 16.7534% | 135 |
| Net charge-offs to loans | 0.0037% | 2,483 |
| Credit loss provision to net charge-offs | 7,300.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 727.6667% | 202 |
| Efficiency ratio | 55.9879% | 3,705 |
| Assets per employee ($millions) | 8.8430% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0114% | 3,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.5732% | 2,201 |
| Net loans and leases to deposits | 65.8178% | 2,530 |
| Net loans and leases to core deposits | 69.1608% | 2,534 |
| Total domestic deposits to total assets | 90.5123% | 710 |
| Equity capital to assets | 8.4088% | 4,109 |
| Core capital (leverage) ratio | 8.7244% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4694% | 1,397 |
| Memoranda: |
| Average total assets | $132,050,800 | 3,657 |
| Average earning assets | $130,477,400 | 3,565 |
| Average equity | $11,723,000 | 3,966 |
| Average total loans | $82,126,400 | 3,440 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0498% | 1,426 |
| Cost of funding earning assets | 0.3556% | 2,059 |
| Net interest margin | 3.6942% | 1,348 |
| Noninterest income to average assets | 0.4204% | 2,976 |
| Noninterest expense to average assets | 2.3198% | 2,693 |
| Loan and lease loss provision to assets | 0.1796% | 596 |
| Net operating income to assets | 1.5720% | 1,096 |
| Return on assets (ROA) | 1.5720% | 1,142 |
| Pretax return on assets | 1.5720% | 1,787 |
| Return on Equity (ROE) | 17.4355% | 699 |
| Retained earnings to average equity (ytd only) | 17.4355% | 220 |
| Net charge-offs to loans | 0.0050% | 2,151 |
| Credit loss provision to net charge-offs | 5,733.3333% | 138 |
| Earnings coverage of net charge-offs (x) | 558.3333% | 270 |
| Efficiency ratio | 56.9741% | 3,417 |
| Assets per employee ($millions) | 11.3476% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0090% | 3,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 57.7288% | 2,532 |
| Net loans and leases to deposits | 63.7671% | 2,875 |
| Net loans and leases to core deposits | 67.0675% | 2,851 |
| Total domestic deposits to total assets | 90.5307% | 540 |
| Equity capital to assets | 8.2803% | 4,364 |
| Core capital (leverage) ratio | 9.4755% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9162% | 827 |
| Memoranda: |
| Average total assets | $127,480,750 | 3,749 |
| Average earning assets | $125,995,250 | 3,649 |
| Average equity | $11,493,500 | 4,035 |
| Average total loans | $80,040,000 | 3,526 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3161% | 979 |
| Cost of funding earning assets | 0.3636% | 2,195 |
| Net interest margin | 3.9525% | 887 |
| Noninterest income to average assets | 0.4834% | 2,699 |
| Noninterest expense to average assets | 2.5496% | 1,998 |
| Loan and lease loss provision to assets | 0.2831% | 317 |
| Net operating income to assets | 1.5563% | 1,155 |
| Return on assets (ROA) | 1.5563% | 1,213 |
| Pretax return on assets | 1.5563% | 1,854 |
| Return on Equity (ROE) | 16.7067% | 824 |
| Retained earnings to average equity (ytd only) | 16.7067% | 287 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0913% | 3,273 |
| Assets per employee ($millions) | 5.8532% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0377% | 3,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 74.5196% | 712 |
| Net loans and leases to deposits | 84.8562% | 1,000 |
| Net loans and leases to core deposits | 90.9624% | 1,068 |
| Total domestic deposits to total assets | 87.8187% | 1,930 |
| Equity capital to assets | 10.4837% | 2,406 |
| Core capital (leverage) ratio | 9.3805% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9474% | 621 |
| Memoranda: |
| Average total assets | $120,801,333 | 3,843 |
| Average earning assets | $119,366,667 | 3,744 |
| Average equity | $11,253,000 | 4,071 |
| Average total loans | $78,043,667 | 3,580 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2957% | 1,046 |
| Cost of funding earning assets | 0.3542% | 2,494 |
| Net interest margin | 3.9415% | 923 |
| Noninterest income to average assets | 0.4268% | 2,947 |
| Noninterest expense to average assets | 2.4396% | 2,358 |
| Loan and lease loss provision to assets | 0.1592% | 799 |
| Net operating income to assets | 1.7262% | 899 |
| Return on assets (ROA) | 1.7262% | 948 |
| Pretax return on assets | 1.7262% | 1,437 |
| Return on Equity (ROE) | 19.6199% | 561 |
| Retained earnings to average equity (ytd only) | 19.6199% | 284 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4065% | 3,501 |
| Assets per employee ($millions) | 6.6812% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8903% | 4,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 65.6835% | 1,832 |
| Net loans and leases to deposits | 73.2824% | 2,184 |
| Net loans and leases to core deposits | 77.7646% | 2,208 |
| Total domestic deposits to total assets | 89.6307% | 1,006 |
| Equity capital to assets | 8.9127% | 3,775 |
| Core capital (leverage) ratio | 9.1861% | 3,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0774% | 1,544 |
| Memoranda: |
| Average total assets | $125,596,500 | 3,792 |
| Average earning assets | $124,218,000 | 3,690 |
| Average equity | $11,050,000 | 4,105 |
| Average total loans | $75,194,000 | 3,650 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0281% | 2,647 |
| Cost of funding earning assets | 0.4369% | 3,365 |
| Net interest margin | 3.5912% | 2,168 |
| Noninterest income to average assets | 1.0351% | 986 |
| Noninterest expense to average assets | 2.5241% | 2,774 |
| Loan and lease loss provision to assets | 0.3985% | 792 |
| Net operating income to assets | 1.6542% | 565 |
| Return on assets (ROA) | 1.6542% | 609 |
| Pretax return on assets | 1.6542% | 946 |
| Return on Equity (ROE) | 14.4027% | 735 |
| Retained earnings to average equity (ytd only) | 14.4027% | 177 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1489% | 4,079 |
| Assets per employee ($millions) | 6.5395% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0534% | 3,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 52.7650% | 3,605 |
| Net loans and leases to deposits | 58.3761% | 3,872 |
| Net loans and leases to core deposits | 61.5203% | 3,856 |
| Total domestic deposits to total assets | 90.3880% | 419 |
| Equity capital to assets | 8.6808% | 4,309 |
| Core capital (leverage) ratio | 9.4404% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6920% | 2,991 |
| Memoranda: |
| Average total assets | $86,565,400 | 4,168 |
| Average earning assets | $85,375,800 | 4,084 |
| Average equity | $9,942,600 | 4,201 |
| Average total loans | $53,747,200 | 4,031 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3105% | 2,064 |
| Cost of funding earning assets | 0.4684% | 3,428 |
| Net interest margin | 3.8421% | 1,494 |
| Noninterest income to average assets | 0.5842% | 2,233 |
| Noninterest expense to average assets | 2.3713% | 3,213 |
| Loan and lease loss provision to assets | 0.4343% | 761 |
| Net operating income to assets | 1.5641% | 787 |
| Return on assets (ROA) | 1.5641% | 864 |
| Pretax return on assets | 1.5641% | 1,287 |
| Return on Equity (ROE) | 12.3990% | 1,274 |
| Retained earnings to average equity (ytd only) | 12.3990% | 385 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2722% | 4,122 |
| Assets per employee ($millions) | 6.6349% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8446% | 4,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 66.9072% | 2,398 |
| Net loans and leases to deposits | 75.0119% | 2,852 |
| Net loans and leases to core deposits | 80.2966% | 2,817 |
| Total domestic deposits to total assets | 89.1955% | 688 |
| Equity capital to assets | 9.6864% | 3,530 |
| Core capital (leverage) ratio | 12.3366% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7472% | 2,305 |
| Memoranda: |
| Average total assets | $77,144,000 | 4,287 |
| Average earning assets | $75,998,000 | 4,223 |
| Average equity | $9,731,750 | 4,237 |
| Average total loans | $50,619,250 | 4,121 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2024% | 2,753 |
| Cost of funding earning assets | 0.5208% | 3,413 |
| Net interest margin | 3.6816% | 2,238 |
| Noninterest income to average assets | 0.3201% | 3,546 |
| Noninterest expense to average assets | 2.2735% | 3,593 |
| Loan and lease loss provision to assets | 0.4446% | 866 |
| Net operating income to assets | 1.2272% | 1,559 |
| Return on assets (ROA) | 1.2272% | 1,683 |
| Pretax return on assets | 1.2272% | 2,265 |
| Return on Equity (ROE) | 8.6720% | 2,504 |
| Retained earnings to average equity (ytd only) | 8.6720% | 1,114 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6258% | 3,737 |
| Assets per employee ($millions) | 7.9346% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7608% | 4,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.0469% | 2,179 |
| Net loans and leases to deposits | 112.4196% | 185 |
| Net loans and leases to core deposits | 125.8023% | 313 |
| Total domestic deposits to total assets | 61.4189% | 4,951 |
| Equity capital to assets | 10.3082% | 2,920 |
| Core capital (leverage) ratio | 13.7036% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7912% | 1,896 |
| Memoranda: |
| Average total assets | $67,472,333 | 4,438 |
| Average earning assets | $66,438,667 | 4,367 |
| Average equity | $9,548,000 | 4,272 |
| Average total loans | $43,614,667 | 4,275 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6169% | 1,952 |
| Cost of funding earning assets | 0.6682% | 3,066 |
| Net interest margin | 3.9487% | 1,535 |
| Noninterest income to average assets | 0.3507% | 3,423 |
| Noninterest expense to average assets | 2.6716% | 2,777 |
| Loan and lease loss provision to assets | 0.3731% | 831 |
| Net operating income to assets | 1.1865% | 1,559 |
| Return on assets (ROA) | 1.1865% | 1,677 |
| Pretax return on assets | 1.1865% | 2,241 |
| Return on Equity (ROE) | 6.7555% | 3,045 |
| Retained earnings to average equity (ytd only) | 6.7555% | 1,624 |
| Net charge-offs to loans | -0.0124% | 4,152 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1393% | 3,354 |
| Assets per employee ($millions) | 4.7788% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2589% | 2,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 55.2576% | 3,892 |
| Net loans and leases to deposits | 66.5742% | 3,827 |
| Net loans and leases to core deposits | 75.6367% | 3,517 |
| Total domestic deposits to total assets | 83.0014% | 3,112 |
| Equity capital to assets | 16.5818% | 499 |
| Core capital (leverage) ratio | 18.8612% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5632% | 688 |
| Memoranda: |
| Average total assets | $53,601,000 | 4,653 |
| Average earning assets | $52,675,500 | 4,590 |
| Average equity | $9,414,500 | 4,311 |
| Average total loans | $32,298,500 | 4,554 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9544% | 1,601 |
| Cost of funding earning assets | 0.7866% | 2,743 |
| Net interest margin | 4.1678% | 1,382 |
| Noninterest income to average assets | 0.3352% | 3,705 |
| Noninterest expense to average assets | 2.6059% | 3,158 |
| Loan and lease loss provision to assets | -0.3481% | 5,154 |
| Net operating income to assets | 2.1657% | 239 |
| Return on assets (ROA) | 2.1657% | 250 |
| Pretax return on assets | 2.1657% | 409 |
| Return on Equity (ROE) | 13.4554% | 1,030 |
| Retained earnings to average equity (ytd only) | 13.4554% | 142 |
| Net charge-offs to loans | 0.1044% | 1,684 |
| Credit loss provision to net charge-offs | -590.6250% | 4,444 |
| Earnings coverage of net charge-offs (x) | 30.8438% | 1,554 |
| Efficiency ratio | 58.9092% | 3,847 |
| Assets per employee ($millions) | 4.9856% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0891% | 3,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.4877% | 3,136 |
| Net loans and leases to deposits | 80.1391% | 2,764 |
| Net loans and leases to core deposits | 93.3699% | 2,121 |
| Total domestic deposits to total assets | 80.4698% | 3,882 |
| Equity capital to assets | 18.6938% | 319 |
| Core capital (leverage) ratio | 16.8956% | 424 |
| Tier 1 risk-based capital ratio | 24.2170% | 809 |
| Total risk-based capital ratio | 25.1353% | 824 |
| Memoranda: |
| Average total assets | $54,300,000 | 4,675 |
| Average earning assets | $53,265,600 | 4,621 |
| Average equity | $8,740,000 | 4,415 |
| Average total loans | $30,649,600 | 4,627 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8797% | 1,875 |
| Cost of funding earning assets | 0.7016% | 3,219 |
| Net interest margin | 4.1780% | 1,421 |
| Noninterest income to average assets | 0.2888% | 4,005 |
| Noninterest expense to average assets | 2.6420% | 3,035 |
| Loan and lease loss provision to assets | -0.4451% | 5,242 |
| Net operating income to assets | 2.1896% | 276 |
| Return on assets (ROA) | 2.1896% | 288 |
| Pretax return on assets | 2.1896% | 461 |
| Return on Equity (ROE) | 14.1163% | 960 |
| Retained earnings to average equity (ytd only) | 14.1163% | 201 |
| Net charge-offs to loans | 0.1369% | 1,170 |
| Credit loss provision to net charge-offs | -596.7742% | 4,356 |
| Earnings coverage of net charge-offs (x) | 23.3883% | 1,832 |
| Efficiency ratio | 60.2304% | 3,597 |
| Assets per employee ($millions) | 6.8867% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1514% | 2,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 49.5886% | 4,449 |
| Net loans and leases to deposits | 58.6043% | 4,448 |
| Net loans and leases to core deposits | 65.2298% | 4,315 |
| Total domestic deposits to total assets | 84.6160% | 2,572 |
| Equity capital to assets | 14.6208% | 946 |
| Core capital (leverage) ratio | 16.4826% | 505 |
| Tier 1 risk-based capital ratio | 26.4106% | 682 |
| Total risk-based capital ratio | 27.4562% | 682 |
| Memoranda: |
| Average total assets | $55,411,000 | 4,727 |
| Average earning assets | $54,346,500 | 4,676 |
| Average equity | $8,595,000 | 4,484 |
| Average total loans | $30,185,750 | 4,700 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9852% | 1,519 |
| Cost of funding earning assets | 0.6366% | 3,476 |
| Net interest margin | 4.3487% | 1,046 |
| Noninterest income to average assets | 0.2969% | 3,953 |
| Noninterest expense to average assets | 2.9161% | 2,244 |
| Loan and lease loss provision to assets | -0.7403% | 5,298 |
| Net operating income to assets | 2.3825% | 181 |
| Return on assets (ROA) | 2.3825% | 188 |
| Pretax return on assets | 2.3825% | 298 |
| Return on Equity (ROE) | 15.0249% | 752 |
| Retained earnings to average equity (ytd only) | 15.0249% | 168 |
| Net charge-offs to loans | 0.2075% | 797 |
| Credit loss provision to net charge-offs | -635.4839% | 4,176 |
| Earnings coverage of net charge-offs (x) | 14.0968% | 2,061 |
| Efficiency ratio | 63.9736% | 3,136 |
| Assets per employee ($millions) | 5.9179% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1374% | 2,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 56.4653% | 4,048 |
| Net loans and leases to deposits | 68.2755% | 3,949 |
| Net loans and leases to core deposits | 77.7588% | 3,598 |
| Total domestic deposits to total assets | 82.7022% | 3,306 |
| Equity capital to assets | 16.5036% | 535 |
| Core capital (leverage) ratio | 17.3581% | 395 |
| Tier 1 risk-based capital ratio | 25.3167% | 728 |
| Total risk-based capital ratio | 26.3108% | 734 |
| Memoranda: |
| Average total assets | $53,221,330 | 4,802 |
| Average earning assets | $52,154,000 | 4,742 |
| Average equity | $8,439,330 | 4,526 |
| Average total loans | $29,883,330 | 4,741 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8741% | 1,678 |
| Cost of funding earning assets | 0.6217% | 3,452 |
| Net interest margin | 4.2524% | 1,189 |
| Noninterest income to average assets | 0.2782% | 4,021 |
| Noninterest expense to average assets | 2.7368% | 2,786 |
| Loan and lease loss provision to assets | -0.4060% | 5,335 |
| Net operating income to assets | 2.1127% | 313 |
| Return on assets (ROA) | 2.1127% | 329 |
| Pretax return on assets | 2.1127% | 510 |
| Return on Equity (ROE) | 13.6012% | 1,057 |
| Retained earnings to average equity (ytd only) | 13.6012% | 389 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5905% | 3,596 |
| Assets per employee ($millions) | 5.0984% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8931% | 599 |
| Loan loss allowance to noncurrent loans | 187.0504% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5453% | 2,462 |
| Noncurrent loans to loans | 1.0121% | 1,650 |
| Net loans and leases to total assets | 52.8558% | 4,285 |
| Net loans and leases to deposits | 63.7400% | 4,196 |
| Net loans and leases to core deposits | 72.9034% | 3,873 |
| Total domestic deposits to total assets | 82.9241% | 3,407 |
| Equity capital to assets | 16.5130% | 496 |
| Core capital (leverage) ratio | 17.3438% | 394 |
| Tier 1 risk-based capital ratio | 25.1826% | 750 |
| Total risk-based capital ratio | 26.4366% | 729 |
| Memoranda: |
| Average total assets | $53,201,500 | 4,850 |
| Average earning assets | $52,112,000 | 4,794 |
| Average equity | $8,264,000 | 4,578 |
| Average total loans | $29,615,000 | 4,795 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7943% | 1,556 |
| Cost of funding earning assets | 0.5640% | 2,963 |
| Net interest margin | 4.2302% | 1,326 |
| Noninterest income to average assets | 0.4489% | 3,108 |
| Noninterest expense to average assets | 2.6139% | 3,295 |
| Loan and lease loss provision to assets | -0.0561% | 5,208 |
| Net operating income to assets | 2.0412% | 327 |
| Return on assets (ROA) | 2.0412% | 326 |
| Pretax return on assets | 2.0412% | 507 |
| Return on Equity (ROE) | 13.8277% | 1,085 |
| Retained earnings to average equity (ytd only) | 13.8277% | 173 |
| Net charge-offs to loans | 0.0036% | 3,602 |
| Credit loss provision to net charge-offs | -2,900.0000% | 4,878 |
| Earnings coverage of net charge-offs (x) | 1,026.0000% | 107 |
| Efficiency ratio | 56.8363% | 4,305 |
| Assets per employee ($millions) | 5.5419% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8072% | 674 |
| Loan loss allowance to noncurrent loans | 205.0000% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 2,569 |
| Noncurrent loans to loans | 0.8816% | 1,826 |
| Net loans and leases to total assets | 56.2767% | 4,114 |
| Net loans and leases to deposits | 66.4182% | 4,089 |
| Net loans and leases to core deposits | 73.9894% | 3,855 |
| Total domestic deposits to total assets | 84.7309% | 2,759 |
| Equity capital to assets | 14.6322% | 800 |
| Core capital (leverage) ratio | 15.7339% | 562 |
| Tier 1 risk-based capital ratio | 22.1294% | 1,014 |
| Total risk-based capital ratio | 23.3838% | 991 |
| Memoranda: |
| Average total assets | $51,685,400 | 4,904 |
| Average earning assets | $50,706,400 | 4,840 |
| Average equity | $7,629,600 | 4,657 |
| Average total loans | $27,665,200 | 4,872 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8279% | 1,351 |
| Cost of funding earning assets | 0.5623% | 2,767 |
| Net interest margin | 4.2656% | 1,192 |
| Noninterest income to average assets | 0.5097% | 2,808 |
| Noninterest expense to average assets | 2.6481% | 3,128 |
| Loan and lease loss provision to assets | -0.2207% | 5,408 |
| Net operating income to assets | 2.2672% | 240 |
| Return on assets (ROA) | 2.2672% | 240 |
| Pretax return on assets | 2.2672% | 360 |
| Return on Equity (ROE) | 15.3219% | 819 |
| Retained earnings to average equity (ytd only) | 15.3219% | 164 |
| Net charge-offs to loans | 0.0050% | 3,262 |
| Credit loss provision to net charge-offs | -8,400.0000% | 4,894 |
| Earnings coverage of net charge-offs (x) | 780.9323% | 110 |
| Efficiency ratio | 56.4074% | 4,327 |
| Assets per employee ($millions) | 4.8895% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9633% | 518 |
| Loan loss allowance to noncurrent loans | 185.3571% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 2,470 |
| Noncurrent loans to loans | 1.0592% | 1,611 |
| Net loans and leases to total assets | 53.0034% | 4,419 |
| Net loans and leases to deposits | 63.7995% | 4,341 |
| Net loans and leases to core deposits | 72.3506% | 4,057 |
| Total domestic deposits to total assets | 83.0780% | 3,280 |
| Equity capital to assets | 16.1714% | 509 |
| Core capital (leverage) ratio | 16.1936% | 495 |
| Tier 1 risk-based capital ratio | 25.1012% | 742 |
| Total risk-based capital ratio | 26.3561% | 727 |
| Memoranda: |
| Average total assets | $50,752,000 | 4,976 |
| Average earning assets | $49,792,250 | 4,912 |
| Average equity | $7,509,750 | 4,726 |
| Average total loans | $26,641,000 | 4,950 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8339% | 1,163 |
| Cost of funding earning assets | 0.5750% | 2,401 |
| Net interest margin | 4.2589% | 1,138 |
| Noninterest income to average assets | 0.6424% | 2,130 |
| Noninterest expense to average assets | 2.7097% | 2,982 |
| Loan and lease loss provision to assets | -0.2920% | 5,492 |
| Net operating income to assets | 2.4060% | 173 |
| Return on assets (ROA) | 2.4060% | 171 |
| Pretax return on assets | 2.4060% | 268 |
| Return on Equity (ROE) | 16.7540% | 554 |
| Retained earnings to average equity (ytd only) | 16.7540% | 129 |
| Net charge-offs to loans | 0.0075% | 2,861 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,786 |
| Earnings coverage of net charge-offs (x) | 543.0000% | 165 |
| Efficiency ratio | 56.1743% | 4,459 |
| Assets per employee ($millions) | 4.7487% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0242% | 499 |
| Loan loss allowance to noncurrent loans | 188.5714% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 2,461 |
| Noncurrent loans to loans | 1.0734% | 1,643 |
| Net loans and leases to total assets | 53.8189% | 4,350 |
| Net loans and leases to deposits | 64.7045% | 4,235 |
| Net loans and leases to core deposits | 74.2073% | 3,868 |
| Total domestic deposits to total assets | 83.1764% | 3,356 |
| Equity capital to assets | 16.1349% | 484 |
| Core capital (leverage) ratio | 13.2270% | 1,148 |
| Tier 1 risk-based capital ratio | 24.7763% | 755 |
| Total risk-based capital ratio | 26.0318% | 735 |
| Memoranda: |
| Average total assets | $51,371,000 | 5,026 |
| Average earning assets | $50,435,330 | 4,959 |
| Average equity | $7,377,330 | 4,789 |
| Average total loans | $26,709,670 | 5,000 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7015% | 1,305 |
| Cost of funding earning assets | 0.5343% | 2,515 |
| Net interest margin | 4.1673% | 1,255 |
| Noninterest income to average assets | 0.8478% | 1,310 |
| Noninterest expense to average assets | 2.8136% | 2,648 |
| Loan and lease loss provision to assets | -0.5477% | 5,579 |
| Net operating income to assets | 2.6785% | 109 |
| Return on assets (ROA) | 2.6785% | 111 |
| Pretax return on assets | 2.6785% | 161 |
| Return on Equity (ROE) | 19.7374% | 259 |
| Retained earnings to average equity (ytd only) | 19.7374% | 106 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9044% | 4,479 |
| Assets per employee ($millions) | 6.0733% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0885% | 468 |
| Loan loss allowance to noncurrent loans | 188.2979% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 2,989 |
| Noncurrent loans to loans | 1.1091% | 1,654 |
| Net loans and leases to total assets | 40.9892% | 5,029 |
| Net loans and leases to deposits | 46.8902% | 5,078 |
| Net loans and leases to core deposits | 51.8204% | 4,987 |
| Total domestic deposits to total assets | 87.4154% | 1,943 |
| Equity capital to assets | 12.1944% | 1,663 |
| Core capital (leverage) ratio | 13.2397% | 1,094 |
| Tier 1 risk-based capital ratio | 25.6556% | 711 |
| Total risk-based capital ratio | 26.9117% | 694 |
| Memoranda: |
| Average total assets | $53,313,000 | 5,050 |
| Average earning assets | $52,408,500 | 4,984 |
| Average equity | $7,235,000 | 4,863 |
| Average total loans | $27,022,000 | 5,042 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2702% | 2,425 |
| Cost of funding earning assets | 0.4913% | 2,413 |
| Net interest margin | 3.7789% | 2,503 |
| Noninterest income to average assets | 0.8247% | 1,483 |
| Noninterest expense to average assets | 2.2510% | 4,441 |
| Loan and lease loss provision to assets | 0.1148% | 1,983 |
| Net operating income to assets | 2.1702% | 202 |
| Return on assets (ROA) | 2.1702% | 203 |
| Pretax return on assets | 2.1702% | 333 |
| Return on Equity (ROE) | 15.6207% | 526 |
| Retained earnings to average equity (ytd only) | 15.6207% | 74 |
| Net charge-offs to loans | 0.0046% | 3,922 |
| Credit loss provision to net charge-offs | 5,400.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,075.0000% | 77 |
| Efficiency ratio | 49.6251% | 5,238 |
| Assets per employee ($millions) | 4.5893% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1105% | 439 |
| Loan loss allowance to noncurrent loans | 3,355.5556% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 4,938 |
| Noncurrent loans to loans | 0.0629% | 4,709 |
| Net loans and leases to total assets | 61.0442% | 3,728 |
| Net loans and leases to deposits | 72.8287% | 3,616 |
| Net loans and leases to core deposits | 83.8245% | 3,068 |
| Total domestic deposits to total assets | 83.8189% | 3,272 |
| Equity capital to assets | 15.3923% | 606 |
| Core capital (leverage) ratio | 9.5317% | 4,001 |
| Tier 1 risk-based capital ratio | 22.8977% | 918 |
| Total risk-based capital ratio | 24.1563% | 907 |
| Memoranda: |
| Average total assets | $47,046,800 | 5,209 |
| Average earning assets | $46,203,800 | 5,144 |
| Average equity | $6,536,200 | 5,020 |
| Average total loans | $21,787,000 | 5,265 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9143% | 3,644 |
| Cost of funding earning assets | 0.3814% | 3,366 |
| Net interest margin | 3.5329% | 3,379 |
| Noninterest income to average assets | 1.0225% | 983 |
| Noninterest expense to average assets | 2.1914% | 4,537 |
| Loan and lease loss provision to assets | 0.0085% | 3,964 |
| Net operating income to assets | 2.2928% | 181 |
| Return on assets (ROA) | 2.2928% | 180 |
| Pretax return on assets | 2.2928% | 298 |
| Return on Equity (ROE) | 16.9467% | 430 |
| Retained earnings to average equity (ytd only) | 16.9467% | 80 |
| Net charge-offs to loans | 0.0066% | 3,492 |
| Credit loss provision to net charge-offs | 300.0000% | 979 |
| Earnings coverage of net charge-offs (x) | 819.0301% | 127 |
| Efficiency ratio | 48.7774% | 5,306 |
| Assets per employee ($millions) | 4.5667% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6105% | 232 |
| Loan loss allowance to noncurrent loans | 3,252.9412% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,905 |
| Noncurrent loans to loans | 0.0802% | 4,751 |
| Net loans and leases to total assets | 45.1770% | 4,981 |
| Net loans and leases to deposits | 53.6888% | 4,979 |
| Net loans and leases to core deposits | 61.7436% | 4,729 |
| Total domestic deposits to total assets | 84.1461% | 3,065 |
| Equity capital to assets | 15.0524% | 717 |
| Core capital (leverage) ratio | 14.6927% | 725 |
| Tier 1 risk-based capital ratio | 25.5587% | 703 |
| Total risk-based capital ratio | 26.8191% | 696 |
| Memoranda: |
| Average total assets | $47,335,250 | 5,262 |
| Average earning assets | $46,495,250 | 5,192 |
| Average equity | $6,404,250 | 5,096 |
| Average total loans | $20,079,000 | 5,367 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5574% | 4,615 |
| Cost of funding earning assets | 0.2929% | 4,151 |
| Net interest margin | 3.2645% | 4,224 |
| Noninterest income to average assets | 0.7183% | 1,911 |
| Noninterest expense to average assets | 1.9670% | 5,045 |
| Loan and lease loss provision to assets | 0.3007% | 510 |
| Net operating income to assets | 1.6621% | 615 |
| Return on assets (ROA) | 1.6621% | 633 |
| Pretax return on assets | 1.6621% | 1,155 |
| Return on Equity (ROE) | 12.7407% | 1,101 |
| Retained earnings to average equity (ytd only) | 12.7407% | 264 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0531% | 5,304 |
| Assets per employee ($millions) | 5.9838% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6011% | 255 |
| Loan loss allowance to noncurrent loans | 750.6024% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 4,494 |
| Noncurrent loans to loans | 0.3465% | 3,793 |
| Net loans and leases to total assets | 48.7320% | 4,782 |
| Net loans and leases to deposits | 56.6778% | 4,828 |
| Net loans and leases to core deposits | 63.8966% | 4,609 |
| Total domestic deposits to total assets | 85.9808% | 2,383 |
| Equity capital to assets | 13.4907% | 1,148 |
| Core capital (leverage) ratio | 13.2545% | 1,073 |
| Tier 1 risk-based capital ratio | 20.8686% | 1,212 |
| Total risk-based capital ratio | 22.1289% | 1,180 |
| Memoranda: |
| Average total assets | $47,891,330 | 5,293 |
| Average earning assets | $47,112,670 | 5,215 |
| Average equity | $6,247,670 | 5,149 |
| Average total loans | $19,710,670 | 5,419 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2252% | 5,205 |
| Cost of funding earning assets | 0.2631% | 4,424 |
| Net interest margin | 2.9621% | 4,976 |
| Noninterest income to average assets | 0.2255% | 4,923 |
| Noninterest expense to average assets | 1.9039% | 5,232 |
| Loan and lease loss provision to assets | -0.0251% | 5,678 |
| Net operating income to assets | 1.2609% | 1,345 |
| Return on assets (ROA) | 1.3528% | 1,146 |
| Pretax return on assets | 1.3528% | 2,050 |
| Return on Equity (ROE) | 10.5495% | 1,715 |
| Retained earnings to average equity (ytd only) | 10.5495% | 687 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6383% | 4,380 |
| Assets per employee ($millions) | 6.1136% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1718% | 147 |
| Loan loss allowance to noncurrent loans | 460.5042% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 4,354 |
| Noncurrent loans to loans | 0.6888% | 2,777 |
| Net loans and leases to total assets | 30.4042% | 5,572 |
| Net loans and leases to deposits | 34.3935% | 5,612 |
| Net loans and leases to core deposits | 38.4637% | 5,564 |
| Total domestic deposits to total assets | 88.4010% | 1,485 |
| Equity capital to assets | 11.3082% | 2,345 |
| Core capital (leverage) ratio | 10.9526% | 2,407 |
| Tier 1 risk-based capital ratio | 25.6199% | 718 |
| Total risk-based capital ratio | 26.8803% | 703 |
| Memoranda: |
| Average total assets | $47,902,000 | 5,356 |
| Average earning assets | $47,129,500 | 5,271 |
| Average equity | $6,142,500 | 5,212 |
| Average total loans | $17,590,500 | 5,535 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6114% | 4,478 |
| Cost of funding earning assets | 0.2395% | 4,659 |
| Net interest margin | 3.3719% | 3,917 |
| Noninterest income to average assets | 0.5929% | 2,700 |
| Noninterest expense to average assets | 2.0698% | 5,052 |
| Loan and lease loss provision to assets | -0.1758% | 5,766 |
| Net operating income to assets | 1.9858% | 326 |
| Return on assets (ROA) | 2.0173% | 317 |
| Pretax return on assets | 2.0173% | 478 |
| Return on Equity (ROE) | 13.5273% | 865 |
| Retained earnings to average equity (ytd only) | 13.5273% | 147 |
| Net charge-offs to loans | 0.0055% | 4,063 |
| Credit loss provision to net charge-offs | -6,700.0000% | 5,469 |
| Earnings coverage of net charge-offs (x) | 690.0000% | 114 |
| Efficiency ratio | 53.3469% | 5,296 |
| Assets per employee ($millions) | 5.0978% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0775% | 161 |
| Loan loss allowance to noncurrent loans | 463.0252% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 4,106 |
| Noncurrent loans to loans | 0.6647% | 2,866 |
| Net loans and leases to total assets | 42.5506% | 5,205 |
| Net loans and leases to deposits | 50.4873% | 5,185 |
| Net loans and leases to core deposits | 59.3671% | 4,892 |
| Total domestic deposits to total assets | 84.2798% | 3,328 |
| Equity capital to assets | 14.8669% | 664 |
| Core capital (leverage) ratio | 12.1106% | 1,530 |
| Tier 1 risk-based capital ratio | 23.6639% | 899 |
| Total risk-based capital ratio | 24.9258% | 884 |
| Memoranda: |
| Average total assets | $38,120,400 | 5,575 |
| Average earning assets | $37,159,600 | 5,524 |
| Average equity | $5,684,800 | 5,335 |
| Average total loans | $18,180,400 | 5,572 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6026% | 4,548 |
| Cost of funding earning assets | 0.2268% | 4,817 |
| Net interest margin | 3.3759% | 3,931 |
| Noninterest income to average assets | 0.6123% | 2,601 |
| Noninterest expense to average assets | 2.0860% | 5,029 |
| Loan and lease loss provision to assets | -0.2919% | 5,903 |
| Net operating income to assets | 2.1038% | 293 |
| Return on assets (ROA) | 2.1038% | 304 |
| Pretax return on assets | 2.1038% | 460 |
| Return on Equity (ROE) | 14.0956% | 805 |
| Retained earnings to average equity (ytd only) | 14.0956% | 165 |
| Net charge-offs to loans | 0.0073% | 3,663 |
| Credit loss provision to net charge-offs | -8,200.0000% | 5,440 |
| Earnings coverage of net charge-offs (x) | 510.2632% | 175 |
| Efficiency ratio | 53.5160% | 5,272 |
| Assets per employee ($millions) | 5.4740% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0038% | 184 |
| Loan loss allowance to noncurrent loans | 450.4202% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 4,167 |
| Noncurrent loans to loans | 0.6669% | 3,030 |
| Net loans and leases to total assets | 45.1694% | 5,135 |
| Net loans and leases to deposits | 53.8687% | 5,121 |
| Net loans and leases to core deposits | 64.1251% | 4,721 |
| Total domestic deposits to total assets | 83.8509% | 3,258 |
| Equity capital to assets | 15.4157% | 644 |
| Core capital (leverage) ratio | 13.9439% | 867 |
| Tier 1 risk-based capital ratio | 26.1298% | 702 |
| Total risk-based capital ratio | 27.3919% | 686 |
| Memoranda: |
| Average total assets | $37,455,000 | 5,643 |
| Average earning assets | $36,454,000 | 5,587 |
| Average equity | $5,590,250 | 5,407 |
| Average total loans | $18,249,500 | 5,625 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6702% | 4,385 |
| Cost of funding earning assets | 0.2104% | 5,038 |
| Net interest margin | 3.4598% | 3,641 |
| Noninterest income to average assets | 0.6188% | 2,512 |
| Noninterest expense to average assets | 1.9749% | 5,321 |
| Loan and lease loss provision to assets | 0.2260% | 915 |
| Net operating income to assets | 1.7811% | 489 |
| Return on assets (ROA) | 1.7811% | 517 |
| Pretax return on assets | 1.7811% | 920 |
| Return on Equity (ROE) | 12.0700% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.0700% | 314 |
| Net charge-offs to loans | 0.0109% | 3,337 |
| Credit loss provision to net charge-offs | 4,200.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 373.0000% | 186 |
| Efficiency ratio | 49.5946% | 5,586 |
| Assets per employee ($millions) | 5.6140% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8305% | 95 |
| Loan loss allowance to noncurrent loans | 545.4545% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 4,268 |
| Noncurrent loans to loans | 0.7023% | 2,972 |
| Net loans and leases to total assets | 42.1650% | 5,332 |
| Net loans and leases to deposits | 49.5500% | 5,357 |
| Net loans and leases to core deposits | 57.5827% | 5,090 |
| Total domestic deposits to total assets | 85.0959% | 2,832 |
| Equity capital to assets | 14.4002% | 901 |
| Core capital (leverage) ratio | 15.3764% | 544 |
| Tier 1 risk-based capital ratio | 27.7989% | 607 |
| Total risk-based capital ratio | 29.0753% | 589 |
| Memoranda: |
| Average total assets | $37,167,330 | 5,718 |
| Average earning assets | $36,129,000 | 5,661 |
| Average equity | $5,484,670 | 5,477 |
| Average total loans | $18,384,670 | 5,686 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7313% | 4,205 |
| Cost of funding earning assets | 0.2161% | 5,042 |
| Net interest margin | 3.5152% | 3,406 |
| Noninterest income to average assets | 0.5761% | 2,652 |
| Noninterest expense to average assets | 2.0941% | 5,125 |
| Loan and lease loss provision to assets | 0.0111% | 3,547 |
| Net operating income to assets | 1.8946% | 401 |
| Return on assets (ROA) | 1.8946% | 428 |
| Pretax return on assets | 1.8946% | 701 |
| Return on Equity (ROE) | 12.6725% | 1,109 |
| Retained earnings to average equity (ytd only) | 12.6725% | 420 |
| Net charge-offs to loans | 0.0211% | 2,511 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 355 |
| Efficiency ratio | 52.3546% | 5,494 |
| Assets per employee ($millions) | 5.0390% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.3364% | 160 |
| Loan loss allowance to noncurrent loans | 508.1967% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 4,176 |
| Noncurrent loans to loans | 0.6565% | 3,201 |
| Net loans and leases to total assets | 50.9256% | 4,730 |
| Net loans and leases to deposits | 60.6141% | 4,669 |
| Net loans and leases to core deposits | 72.6541% | 4,012 |
| Total domestic deposits to total assets | 84.0161% | 3,511 |
| Equity capital to assets | 15.5842% | 585 |
| Core capital (leverage) ratio | 14.9440% | 611 |
| Tier 1 risk-based capital ratio | 25.5497% | 768 |
| Total risk-based capital ratio | 26.8223% | 754 |
| Memoranda: |
| Average total assets | $36,102,000 | 5,796 |
| Average earning assets | $35,162,000 | 5,742 |
| Average equity | $5,397,500 | 5,529 |
| Average total loans | $18,962,000 | 5,720 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5670% | 4,759 |
| Cost of funding earning assets | 0.2376% | 4,919 |
| Net interest margin | 3.3294% | 4,184 |
| Noninterest income to average assets | 1.2003% | 833 |
| Noninterest expense to average assets | 1.9182% | 5,592 |
| Loan and lease loss provision to assets | 0.7151% | 140 |
| Net operating income to assets | 1.7892% | 492 |
| Return on assets (ROA) | 1.7892% | 506 |
| Pretax return on assets | 1.7892% | 822 |
| Return on Equity (ROE) | 12.7615% | 1,107 |
| Retained earnings to average equity (ytd only) | 12.7615% | 217 |
| Net charge-offs to loans | 0.0052% | 4,266 |
| Credit loss provision to net charge-offs | 25,500.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 893.0000% | 64 |
| Efficiency ratio | 43.3735% | 5,996 |
| Assets per employee ($millions) | 5.2759% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2005% | 176 |
| Loan loss allowance to noncurrent loans | 507.3770% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 4,262 |
| Noncurrent loans to loans | 0.6308% | 3,293 |
| Net loans and leases to total assets | 50.6945% | 4,807 |
| Net loans and leases to deposits | 59.6052% | 4,799 |
| Net loans and leases to core deposits | 69.9783% | 4,303 |
| Total domestic deposits to total assets | 85.0505% | 3,064 |
| Equity capital to assets | 14.3457% | 816 |
| Core capital (leverage) ratio | 14.6949% | 672 |
| Tier 1 risk-based capital ratio | 22.6171% | 1,065 |
| Total risk-based capital ratio | 23.8828% | 1,046 |
| Memoranda: |
| Average total assets | $35,657,800 | 5,858 |
| Average earning assets | $34,510,400 | 5,803 |
| Average equity | $4,999,400 | 5,653 |
| Average total loans | $19,259,200 | 5,749 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6173% | 4,677 |
| Cost of funding earning assets | 0.2380% | 5,012 |
| Net interest margin | 3.3793% | 4,036 |
| Noninterest income to average assets | 1.3922% | 641 |
| Noninterest expense to average assets | 1.9468% | 5,574 |
| Loan and lease loss provision to assets | 0.7961% | 90 |
| Net operating income to assets | 1.9166% | 414 |
| Return on assets (ROA) | 1.9166% | 433 |
| Pretax return on assets | 1.9166% | 698 |
| Return on Equity (ROE) | 13.7534% | 952 |
| Retained earnings to average equity (ytd only) | 13.7534% | 225 |
| Net charge-offs to loans | 0.0069% | 3,929 |
| Credit loss provision to net charge-offs | 21,100.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 720.7820% | 105 |
| Efficiency ratio | 41.7814% | 6,093 |
| Assets per employee ($millions) | 3.9753% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8944% | 273 |
| Loan loss allowance to noncurrent loans | 605.2632% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 4,510 |
| Noncurrent loans to loans | 0.4782% | 3,927 |
| Net loans and leases to total assets | 53.9186% | 4,575 |
| Net loans and leases to deposits | 63.5471% | 4,596 |
| Net loans and leases to core deposits | 75.0535% | 3,905 |
| Total domestic deposits to total assets | 84.8482% | 3,077 |
| Equity capital to assets | 14.4698% | 868 |
| Core capital (leverage) ratio | 14.7321% | 690 |
| Tier 1 risk-based capital ratio | 23.1622% | 1,034 |
| Total risk-based capital ratio | 24.4286% | 1,018 |
| Memoranda: |
| Average total assets | $35,339,500 | 5,942 |
| Average earning assets | $34,168,500 | 5,887 |
| Average equity | $4,924,750 | 5,743 |
| Average total loans | $19,238,750 | 5,823 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6005% | 4,714 |
| Cost of funding earning assets | 0.2357% | 5,093 |
| Net interest margin | 3.3648% | 4,037 |
| Noninterest income to average assets | 1.4832% | 577 |
| Noninterest expense to average assets | 1.8583% | 5,769 |
| Loan and lease loss provision to assets | 0.8468% | 89 |
| Net operating income to assets | 2.0231% | 352 |
| Return on assets (ROA) | 2.0231% | 365 |
| Pretax return on assets | 2.0231% | 572 |
| Return on Equity (ROE) | 14.7087% | 784 |
| Retained earnings to average equity (ytd only) | 14.7087% | 205 |
| Net charge-offs to loans | 0.0105% | 3,545 |
| Credit loss provision to net charge-offs | 14,900.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 505.0000% | 132 |
| Efficiency ratio | 39.3029% | 6,216 |
| Assets per employee ($millions) | 3.8461% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4243% | 530 |
| Loan loss allowance to noncurrent loans | 619.2771% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 4,719 |
| Noncurrent loans to loans | 0.3915% | 4,306 |
| Net loans and leases to total assets | 59.7660% | 3,871 |
| Net loans and leases to deposits | 70.3410% | 3,892 |
| Net loans and leases to core deposits | 84.7556% | 2,907 |
| Total domestic deposits to total assets | 84.9661% | 3,140 |
| Equity capital to assets | 14.5053% | 813 |
| Core capital (leverage) ratio | 14.5287% | 705 |
| Tier 1 risk-based capital ratio | 21.5223% | 1,279 |
| Total risk-based capital ratio | 22.7822% | 1,261 |
| Memoranda: |
| Average total assets | $35,193,330 | 6,012 |
| Average earning assets | $33,939,670 | 5,953 |
| Average equity | $4,840,670 | 5,819 |
| Average total loans | $19,029,670 | 5,888 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4458% | 5,099 |
| Cost of funding earning assets | 0.2470% | 5,054 |
| Net interest margin | 3.1988% | 4,617 |
| Noninterest income to average assets | 1.1160% | 912 |
| Noninterest expense to average assets | 1.8150% | 5,876 |
| Loan and lease loss provision to assets | 0.6313% | 145 |
| Net operating income to assets | 1.7361% | 545 |
| Return on assets (ROA) | 1.7361% | 579 |
| Pretax return on assets | 1.7361% | 978 |
| Return on Equity (ROE) | 12.9671% | 1,099 |
| Retained earnings to average equity (ytd only) | 12.9671% | 449 |
| Net charge-offs to loans | 0.0223% | 2,703 |
| Credit loss provision to net charge-offs | 5,600.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 275 |
| Efficiency ratio | 43.3962% | 6,199 |
| Assets per employee ($millions) | 4.9086% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2541% | 745 |
| Loan loss allowance to noncurrent loans | 253.6145% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 4,095 |
| Noncurrent loans to loans | 0.8888% | 3,018 |
| Net loans and leases to total assets | 53.1315% | 4,540 |
| Net loans and leases to deposits | 62.2647% | 4,551 |
| Net loans and leases to core deposits | 76.6576% | 3,526 |
| Total domestic deposits to total assets | 85.3318% | 3,253 |
| Equity capital to assets | 14.0512% | 973 |
| Core capital (leverage) ratio | 13.4664% | 984 |
| Tier 1 risk-based capital ratio | 20.6437% | 1,493 |
| Total risk-based capital ratio | 21.8684% | 1,464 |
| Memoranda: |
| Average total assets | $35,482,500 | 6,067 |
| Average earning assets | $34,012,500 | 6,014 |
| Average equity | $4,750,500 | 5,896 |
| Average total loans | $17,943,500 | 5,978 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5801% | 5,133 |
| Cost of funding earning assets | 0.2580% | 5,242 |
| Net interest margin | 3.3221% | 4,508 |
| Noninterest income to average assets | 0.6623% | 2,493 |
| Noninterest expense to average assets | 2.1449% | 5,470 |
| Loan and lease loss provision to assets | 0.1580% | 1,662 |
| Net operating income to assets | 1.5677% | 762 |
| Return on assets (ROA) | 1.5677% | 795 |
| Pretax return on assets | 1.5677% | 1,328 |
| Return on Equity (ROE) | 11.7417% | 1,480 |
| Retained earnings to average equity (ytd only) | 11.7417% | 319 |
| Net charge-offs to loans | 0.1881% | 2,169 |
| Credit loss provision to net charge-offs | 157.5758% | 1,534 |
| Earnings coverage of net charge-offs (x) | 17.2121% | 1,947 |
| Efficiency ratio | 55.4160% | 5,724 |
| Assets per employee ($millions) | 4.5756% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1209% | 918 |
| Loan loss allowance to noncurrent loans | 154.6610% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 3,635 |
| Noncurrent loans to loans | 1.3713% | 2,140 |
| Net loans and leases to total assets | 46.0183% | 5,322 |
| Net loans and leases to deposits | 53.0969% | 5,405 |
| Net loans and leases to core deposits | 62.6791% | 4,946 |
| Total domestic deposits to total assets | 86.6685% | 2,475 |
| Equity capital to assets | 12.7660% | 1,489 |
| Core capital (leverage) ratio | 12.2063% | 1,495 |
| Tier 1 risk-based capital ratio | 21.0436% | 1,396 |
| Total risk-based capital ratio | 22.2971% | 1,363 |
| Memoranda: |
| Average total assets | $32,915,400 | 6,197 |
| Average earning assets | $31,786,800 | 6,149 |
| Average equity | $4,394,600 | 6,010 |
| Average total loans | $17,540,000 | 6,064 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4877% | 5,422 |
| Cost of funding earning assets | 0.2593% | 5,312 |
| Net interest margin | 3.2284% | 4,866 |
| Noninterest income to average assets | 0.3042% | 5,012 |
| Noninterest expense to average assets | 2.0837% | 5,612 |
| Loan and lease loss provision to assets | -0.0334% | 6,135 |
| Net operating income to assets | 1.3669% | 1,207 |
| Return on assets (ROA) | 1.3669% | 1,242 |
| Pretax return on assets | 1.3669% | 2,130 |
| Return on Equity (ROE) | 10.1114% | 2,166 |
| Retained earnings to average equity (ytd only) | 10.1114% | 676 |
| Net charge-offs to loans | 0.2497% | 1,546 |
| Credit loss provision to net charge-offs | -24.2424% | 5,289 |
| Earnings coverage of net charge-offs (x) | 9.6968% | 2,636 |
| Efficiency ratio | 60.9756% | 5,044 |
| Assets per employee ($millions) | 4.2594% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5564% | 2,477 |
| Loan loss allowance to noncurrent loans | 412.1622% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 5,346 |
| Noncurrent loans to loans | 0.3776% | 4,780 |
| Net loans and leases to total assets | 56.6163% | 4,251 |
| Net loans and leases to deposits | 65.5834% | 4,381 |
| Net loans and leases to core deposits | 77.7370% | 3,563 |
| Total domestic deposits to total assets | 86.3272% | 2,684 |
| Equity capital to assets | 13.1709% | 1,345 |
| Core capital (leverage) ratio | 12.4432% | 1,436 |
| Tier 1 risk-based capital ratio | 18.8455% | 1,945 |
| Total risk-based capital ratio | 20.0954% | 1,914 |
| Memoranda: |
| Average total assets | $31,993,000 | 6,290 |
| Average earning assets | $30,850,250 | 6,241 |
| Average equity | $4,325,000 | 6,088 |
| Average total loans | $17,622,500 | 6,119 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4498% | 5,523 |
| Cost of funding earning assets | 0.2436% | 5,552 |
| Net interest margin | 3.2062% | 4,925 |
| Noninterest income to average assets | 0.2875% | 5,126 |
| Noninterest expense to average assets | 2.1023% | 5,619 |
| Loan and lease loss provision to assets | -0.1789% | 6,451 |
| Net operating income to assets | 1.4761% | 916 |
| Return on assets (ROA) | 1.4761% | 950 |
| Pretax return on assets | 1.4761% | 1,616 |
| Return on Equity (ROE) | 10.8180% | 1,802 |
| Retained earnings to average equity (ytd only) | 10.8180% | 565 |
| Net charge-offs to loans | 0.3891% | 1,039 |
| Credit loss provision to net charge-offs | -84.8485% | 5,229 |
| Earnings coverage of net charge-offs (x) | 6.1515% | 2,816 |
| Efficiency ratio | 61.8421% | 5,036 |
| Assets per employee ($millions) | 4.8683% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6668% | 2,244 |
| Loan loss allowance to noncurrent loans | 389.0411% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 5,481 |
| Noncurrent loans to loans | 0.4284% | 4,707 |
| Net loans and leases to total assets | 49.1666% | 5,056 |
| Net loans and leases to deposits | 56.7274% | 5,140 |
| Net loans and leases to core deposits | 67.1839% | 4,535 |
| Total domestic deposits to total assets | 86.6718% | 2,654 |
| Equity capital to assets | 12.8881% | 1,431 |
| Core capital (leverage) ratio | 13.5254% | 967 |
| Tier 1 risk-based capital ratio | 19.8644% | 1,719 |
| Total risk-based capital ratio | 21.1156% | 1,684 |
| Memoranda: |
| Average total assets | $31,299,000 | 6,362 |
| Average earning assets | $30,379,000 | 6,308 |
| Average equity | $4,270,670 | 6,145 |
| Average total loans | $16,964,330 | 6,203 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4906% | 5,450 |
| Cost of funding earning assets | 0.2207% | 5,846 |
| Net interest margin | 3.2698% | 4,672 |
| Noninterest income to average assets | 0.2675% | 5,229 |
| Noninterest expense to average assets | 2.1799% | 5,509 |
| Loan and lease loss provision to assets | -0.1070% | 6,502 |
| Net operating income to assets | 1.3641% | 1,069 |
| Return on assets (ROA) | 1.3641% | 1,115 |
| Pretax return on assets | 1.3641% | 1,873 |
| Return on Equity (ROE) | 9.6912% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.6912% | 1,050 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4241% | 4,948 |
| Assets per employee ($millions) | 5.0063% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9067% | 1,734 |
| Loan loss allowance to noncurrent loans | 536.5079% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 5,585 |
| Noncurrent loans to loans | 0.3554% | 5,054 |
| Net loans and leases to total assets | 57.8900% | 3,857 |
| Net loans and leases to deposits | 67.7406% | 3,884 |
| Net loans and leases to core deposits | 83.5046% | 2,573 |
| Total domestic deposits to total assets | 85.4584% | 3,640 |
| Equity capital to assets | 14.1787% | 862 |
| Core capital (leverage) ratio | 13.9375% | 839 |
| Tier 1 risk-based capital ratio | 18.1309% | 2,239 |
| Total risk-based capital ratio | 19.3847% | 2,213 |
| Memoranda: |
| Average total assets | $29,909,500 | 6,448 |
| Average earning assets | $28,992,500 | 6,397 |
| Average equity | $4,210,000 | 6,202 |
| Average total loans | $16,927,000 | 6,262 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3153% | 5,981 |
| Cost of funding earning assets | 0.2521% | 5,946 |
| Net interest margin | 3.0633% | 5,426 |
| Noninterest income to average assets | 0.5533% | 3,379 |
| Noninterest expense to average assets | 2.1901% | 5,652 |
| Loan and lease loss provision to assets | -0.2141% | 6,610 |
| Net operating income to assets | 1.4590% | 896 |
| Return on assets (ROA) | 1.4590% | 941 |
| Pretax return on assets | 1.4590% | 1,587 |
| Return on Equity (ROE) | 11.1959% | 1,705 |
| Retained earnings to average equity (ytd only) | 11.1959% | 398 |
| Net charge-offs to loans | 0.4291% | 1,556 |
| Credit loss provision to net charge-offs | -101.5625% | 5,883 |
| Earnings coverage of net charge-offs (x) | 5.9063% | 3,175 |
| Efficiency ratio | 63.7584% | 4,943 |
| Assets per employee ($millions) | 4.9635% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1455% | 1,257 |
| Loan loss allowance to noncurrent loans | 1,048.4848% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 5,999 |
| Noncurrent loans to loans | 0.2046% | 5,575 |
| Net loans and leases to total assets | 52.9902% | 4,723 |
| Net loans and leases to deposits | 62.0103% | 4,716 |
| Net loans and leases to core deposits | 75.4747% | 3,667 |
| Total domestic deposits to total assets | 85.4538% | 3,526 |
| Equity capital to assets | 13.9720% | 906 |
| Core capital (leverage) ratio | 13.1178% | 1,098 |
| Tier 1 risk-based capital ratio | 19.2147% | 1,861 |
| Total risk-based capital ratio | 20.4693% | 1,822 |
| Memoranda: |
| Average total assets | $30,364,000 | 6,508 |
| Average earning assets | $28,564,400 | 6,478 |
| Average equity | $3,956,800 | 6,340 |
| Average total loans | $14,914,200 | 6,424 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3224% | 6,021 |
| Cost of funding earning assets | 0.2480% | 6,105 |
| Net interest margin | 3.0744% | 5,388 |
| Noninterest income to average assets | 0.6337% | 2,966 |
| Noninterest expense to average assets | 2.2113% | 5,579 |
| Loan and lease loss provision to assets | -0.2491% | 6,750 |
| Net operating income to assets | 1.5426% | 836 |
| Return on assets (ROA) | 1.5426% | 878 |
| Pretax return on assets | 1.5426% | 1,489 |
| Return on Equity (ROE) | 12.0502% | 1,460 |
| Retained earnings to average equity (ytd only) | 12.0502% | 417 |
| Net charge-offs to loans | 0.5840% | 1,077 |
| Credit loss provision to net charge-offs | -89.0625% | 5,765 |
| Earnings coverage of net charge-offs (x) | 4.6251% | 3,394 |
| Efficiency ratio | 63.0923% | 4,972 |
| Assets per employee ($millions) | 5.1715% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6259% | 815 |
| Loan loss allowance to noncurrent loans | 1,072.7273% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 6,119 |
| Noncurrent loans to loans | 0.2448% | 5,619 |
| Net loans and leases to total assets | 42.3056% | 5,881 |
| Net loans and leases to deposits | 49.0344% | 5,903 |
| Net loans and leases to core deposits | 58.1896% | 5,435 |
| Total domestic deposits to total assets | 86.2774% | 3,091 |
| Equity capital to assets | 13.1200% | 1,281 |
| Core capital (leverage) ratio | 13.7750% | 927 |
| Tier 1 risk-based capital ratio | 22.2295% | 1,277 |
| Total risk-based capital ratio | 23.4877% | 1,253 |
| Memoranda: |
| Average total assets | $30,509,750 | 6,577 |
| Average earning assets | $28,493,000 | 6,548 |
| Average equity | $3,905,750 | 6,425 |
| Average total loans | $14,611,000 | 6,500 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3757% | 5,957 |
| Cost of funding earning assets | 0.2532% | 6,157 |
| Net interest margin | 3.1225% | 5,214 |
| Noninterest income to average assets | 0.8043% | 2,169 |
| Noninterest expense to average assets | 2.2745% | 5,437 |
| Loan and lease loss provision to assets | -0.1846% | 6,775 |
| Net operating income to assets | 1.6416% | 689 |
| Return on assets (ROA) | 1.6416% | 757 |
| Pretax return on assets | 1.6416% | 1,251 |
| Return on Equity (ROE) | 12.9328% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.9328% | 391 |
| Net charge-offs to loans | 0.8540% | 729 |
| Credit loss provision to net charge-offs | -43.7500% | 5,532 |
| Earnings coverage of net charge-offs (x) | 3.4531% | 3,382 |
| Efficiency ratio | 60.9541% | 5,338 |
| Assets per employee ($millions) | 4.9190% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6370% | 845 |
| Loan loss allowance to noncurrent loans | 1,160.6061% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 6,155 |
| Noncurrent loans to loans | 0.2272% | 5,737 |
| Net loans and leases to total assets | 47.9129% | 5,339 |
| Net loans and leases to deposits | 55.7259% | 5,369 |
| Net loans and leases to core deposits | 68.1067% | 4,484 |
| Total domestic deposits to total assets | 85.9795% | 3,378 |
| Equity capital to assets | 13.4377% | 1,168 |
| Core capital (leverage) ratio | 13.3514% | 1,037 |
| Tier 1 risk-based capital ratio | 20.2601% | 1,665 |
| Total risk-based capital ratio | 21.5192% | 1,638 |
| Memoranda: |
| Average total assets | $30,336,670 | 6,627 |
| Average earning assets | $28,438,670 | 6,599 |
| Average equity | $3,850,670 | 6,483 |
| Average total loans | $14,987,670 | 6,520 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3003% | 6,155 |
| Cost of funding earning assets | 0.2691% | 6,168 |
| Net interest margin | 3.0312% | 5,479 |
| Noninterest income to average assets | 1.2749% | 940 |
| Noninterest expense to average assets | 2.4197% | 5,063 |
| Loan and lease loss provision to assets | 0.0260% | 4,139 |
| Net operating income to assets | 1.6131% | 687 |
| Return on assets (ROA) | 1.6131% | 748 |
| Pretax return on assets | 1.6131% | 1,278 |
| Return on Equity (ROE) | 13.0767% | 1,150 |
| Retained earnings to average equity (ytd only) | 13.0767% | 550 |
| Net charge-offs to loans | 1.6821% | 299 |
| Credit loss provision to net charge-offs | 3.1250% | 3,211 |
| Earnings coverage of net charge-offs (x) | 1.9688% | 3,179 |
| Efficiency ratio | 59.6154% | 5,644 |
| Assets per employee ($millions) | 4.9855% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9867% | 668 |
| Loan loss allowance to noncurrent loans | 1,251.5152% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 6,242 |
| Noncurrent loans to loans | 0.2386% | 5,814 |
| Net loans and leases to total assets | 44.8467% | 5,570 |
| Net loans and leases to deposits | 51.6757% | 5,652 |
| Net loans and leases to core deposits | 63.9358% | 4,747 |
| Total domestic deposits to total assets | 86.7850% | 3,080 |
| Equity capital to assets | 12.8807% | 1,481 |
| Core capital (leverage) ratio | 12.4547% | 1,354 |
| Tier 1 risk-based capital ratio | 19.2562% | 1,963 |
| Total risk-based capital ratio | 20.5177% | 1,934 |
| Memoranda: |
| Average total assets | $30,748,000 | 6,689 |
| Average earning assets | $28,240,000 | 6,668 |
| Average equity | $3,793,000 | 6,558 |
| Average total loans | $15,219,500 | 6,573 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8925% | 5,591 |
| Cost of funding earning assets | 0.3188% | 6,363 |
| Net interest margin | 3.5737% | 4,212 |
| Noninterest income to average assets | 1.6025% | 620 |
| Noninterest expense to average assets | 2.4473% | 5,263 |
| Loan and lease loss provision to assets | 0.5097% | 1,150 |
| Net operating income to assets | 2.0109% | 350 |
| Return on assets (ROA) | 2.0109% | 381 |
| Pretax return on assets | 2.0109% | 585 |
| Return on Equity (ROE) | 17.0082% | 538 |
| Retained earnings to average equity (ytd only) | 17.0082% | 91 |
| Net charge-offs to loans | 0.8492% | 1,355 |
| Credit loss provision to net charge-offs | 119.6721% | 2,396 |
| Earnings coverage of net charge-offs (x) | 5.9180% | 2,915 |
| Efficiency ratio | 49.2621% | 6,637 |
| Assets per employee ($millions) | 5.2638% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8596% | 774 |
| Loan loss allowance to noncurrent loans | 386.1789% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 5,512 |
| Noncurrent loans to loans | 0.7405% | 4,698 |
| Net loans and leases to total assets | 51.0908% | 5,024 |
| Net loans and leases to deposits | 58.3665% | 5,198 |
| Net loans and leases to core deposits | 70.3002% | 4,266 |
| Total domestic deposits to total assets | 87.5344% | 2,510 |
| Equity capital to assets | 11.8196% | 2,164 |
| Core capital (leverage) ratio | 12.1360% | 1,488 |
| Tier 1 risk-based capital ratio | 16.5190% | 2,877 |
| Total risk-based capital ratio | 17.7808% | 2,846 |
| Memoranda: |
| Average total assets | $28,643,400 | 6,785 |
| Average earning assets | $26,975,000 | 6,737 |
| Average equity | $3,386,600 | 6,712 |
| Average total loans | $14,367,000 | 6,689 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6379% | 6,337 |
| Cost of funding earning assets | 0.3276% | 6,479 |
| Net interest margin | 3.3104% | 5,354 |
| Noninterest income to average assets | 0.4777% | 4,077 |
| Noninterest expense to average assets | 2.2931% | 5,701 |
| Loan and lease loss provision to assets | -0.0382% | 6,984 |
| Net operating income to assets | 1.4093% | 1,203 |
| Return on assets (ROA) | 1.4093% | 1,320 |
| Pretax return on assets | 1.4093% | 2,199 |
| Return on Equity (ROE) | 11.9188% | 1,662 |
| Retained earnings to average equity (ytd only) | 11.9188% | 542 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5815% | 5,058 |
| Assets per employee ($millions) | 4.2227% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7495% | 937 |
| Loan loss allowance to noncurrent loans | 360.1626% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 5,647 |
| Noncurrent loans to loans | 0.7634% | 4,890 |
| Net loans and leases to total assets | 53.0092% | 4,911 |
| Net loans and leases to deposits | 60.4841% | 5,147 |
| Net loans and leases to core deposits | 71.3655% | 4,330 |
| Total domestic deposits to total assets | 87.6417% | 2,264 |
| Equity capital to assets | 11.7122% | 2,522 |
| Core capital (leverage) ratio | 12.2933% | 1,497 |
| Tier 1 risk-based capital ratio | 16.3121% | 3,105 |
| Total risk-based capital ratio | 17.5742% | 3,063 |
| Memoranda: |
| Average total assets | $27,908,500 | 6,895 |
| Average earning assets | $26,864,500 | 6,828 |
| Average equity | $3,300,000 | 6,813 |
| Average total loans | $13,806,000 | 6,793 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5629% | 6,527 |
| Cost of funding earning assets | 0.3426% | 6,543 |
| Net interest margin | 3.2203% | 5,674 |
| Noninterest income to average assets | 0.4898% | 3,987 |
| Noninterest expense to average assets | 2.3028% | 5,725 |
| Loan and lease loss provision to assets | -0.0585% | 7,085 |
| Net operating income to assets | 1.3378% | 1,340 |
| Return on assets (ROA) | 1.3378% | 1,497 |
| Pretax return on assets | 1.3378% | 2,435 |
| Return on Equity (ROE) | 11.2754% | 1,891 |
| Retained earnings to average equity (ytd only) | 11.2754% | 696 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2857% | 4,844 |
| Assets per employee ($millions) | 3.3394% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0081% | 778 |
| Loan loss allowance to noncurrent loans | 360.1626% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 5,624 |
| Noncurrent loans to loans | 0.8352% | 4,843 |
| Net loans and leases to total assets | 53.4681% | 4,884 |
| Net loans and leases to deposits | 61.5159% | 5,067 |
| Net loans and leases to core deposits | 76.0070% | 3,767 |
| Total domestic deposits to total assets | 86.9175% | 2,821 |
| Equity capital to assets | 12.5061% | 1,812 |
| Core capital (leverage) ratio | 12.3967% | 1,399 |
| Tier 1 risk-based capital ratio | 16.4745% | 2,936 |
| Total risk-based capital ratio | 17.7375% | 2,888 |
| Memoranda: |
| Average total assets | $27,358,330 | 6,963 |
| Average earning assets | $26,270,670 | 6,894 |
| Average equity | $3,246,000 | 6,861 |
| Average total loans | $13,037,330 | 6,880 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2764% | 6,905 |
| Cost of funding earning assets | 0.3624% | 6,588 |
| Net interest margin | 2.9140% | 6,469 |
| Noninterest income to average assets | 0.4913% | 3,971 |
| Noninterest expense to average assets | 2.2977% | 5,774 |
| Loan and lease loss provision to assets | -0.3468% | 7,242 |
| Net operating income to assets | 1.3295% | 1,376 |
| Return on assets (ROA) | 1.3295% | 1,536 |
| Pretax return on assets | 1.3295% | 2,430 |
| Return on Equity (ROE) | 11.5054% | 1,836 |
| Retained earnings to average equity (ytd only) | 11.5054% | 920 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0441% | 3,798 |
| Assets per employee ($millions) | 3.4653% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6210% | 491 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 5,001 |
| Noncurrent loans to loans | 1.8105% | 3,395 |
| Net loans and leases to total assets | 41.0937% | 6,255 |
| Net loans and leases to deposits | 46.7748% | 6,370 |
| Net loans and leases to core deposits | 58.7156% | 5,651 |
| Total domestic deposits to total assets | 87.8544% | 2,419 |
| Equity capital to assets | 11.7308% | 2,238 |
| Core capital (leverage) ratio | 11.8291% | 1,692 |
| Tier 1 risk-based capital ratio | 18.0028% | 2,289 |
| Total risk-based capital ratio | 19.2651% | 2,259 |
| Memoranda: |
| Average total assets | $27,680,000 | 7,009 |
| Average earning assets | $26,492,500 | 6,947 |
| Average equity | $3,198,500 | 6,923 |
| Average total loans | $12,192,500 | 6,976 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6504% | 6,893 |
| Cost of funding earning assets | 0.4526% | 6,723 |
| Net interest margin | 3.1978% | 6,100 |
| Noninterest income to average assets | 2.3356% | 297 |
| Noninterest expense to average assets | 2.6623% | 4,878 |
| Loan and lease loss provision to assets | 1.0730% | 850 |
| Net operating income to assets | 1.6781% | 573 |
| Return on assets (ROA) | 1.6781% | 612 |
| Pretax return on assets | 1.6781% | 1,039 |
| Return on Equity (ROE) | 14.1670% | 894 |
| Retained earnings to average equity (ytd only) | 14.1670% | 170 |
| Net charge-offs to loans | 0.0080% | 6,318 |
| Credit loss provision to net charge-offs | 26,600.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 682.0000% | 42 |
| Efficiency ratio | 49.1803% | 6,883 |
| Assets per employee ($millions) | 3.4548% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5893% | 506 |
| Loan loss allowance to noncurrent loans | 210.7477% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 5,089 |
| Noncurrent loans to loans | 1.7031% | 3,607 |
| Net loans and leases to total assets | 43.8310% | 6,223 |
| Net loans and leases to deposits | 49.8313% | 6,374 |
| Net loans and leases to core deposits | 61.2871% | 5,725 |
| Total domestic deposits to total assets | 87.9586% | 2,193 |
| Equity capital to assets | 11.3793% | 2,613 |
| Core capital (leverage) ratio | 11.0536% | 2,229 |
| Tier 1 risk-based capital ratio | 17.3321% | 2,453 |
| Total risk-based capital ratio | 18.5999% | 2,408 |
| Memoranda: |
| Average total assets | $24,790,200 | 7,108 |
| Average earning assets | $23,860,400 | 7,047 |
| Average equity | $2,936,400 | 7,024 |
| Average total loans | $12,522,600 | 7,009 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6278% | 6,994 |
| Cost of funding earning assets | 0.4729% | 6,801 |
| Net interest margin | 3.1549% | 6,271 |
| Noninterest income to average assets | 2.0931% | 355 |
| Noninterest expense to average assets | 2.7355% | 4,596 |
| Loan and lease loss provision to assets | 0.1883% | 4,148 |
| Net operating income to assets | 2.1983% | 257 |
| Return on assets (ROA) | 2.1983% | 274 |
| Pretax return on assets | 2.1983% | 426 |
| Return on Equity (ROE) | 18.3521% | 428 |
| Retained earnings to average equity (ytd only) | 18.3521% | 105 |
| Net charge-offs to loans | 0.0106% | 6,004 |
| Credit loss provision to net charge-offs | 3,400.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 432.0677% | 84 |
| Efficiency ratio | 53.4054% | 6,551 |
| Assets per employee ($millions) | 3.1761% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6465% | 3,460 |
| Loan loss allowance to noncurrent loans | 175.2000% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 5,859 |
| Noncurrent loans to loans | 0.9398% | 5,002 |
| Net loans and leases to total assets | 51.4857% | 5,515 |
| Net loans and leases to deposits | 59.1812% | 5,735 |
| Net loans and leases to core deposits | 76.3333% | 4,159 |
| Total domestic deposits to total assets | 86.9967% | 2,661 |
| Equity capital to assets | 12.2634% | 2,044 |
| Core capital (leverage) ratio | 12.3329% | 1,519 |
| Tier 1 risk-based capital ratio | 17.5700% | 2,409 |
| Total risk-based capital ratio | 18.8117% | 2,394 |
| Memoranda: |
| Average total assets | $24,078,250 | 7,198 |
| Average earning assets | $23,117,000 | 7,146 |
| Average equity | $2,884,250 | 7,098 |
| Average total loans | $12,512,000 | 7,080 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5238% | 7,146 |
| Cost of funding earning assets | 0.4845% | 6,895 |
| Net interest margin | 3.0392% | 6,526 |
| Noninterest income to average assets | 1.2016% | 891 |
| Noninterest expense to average assets | 2.3948% | 5,860 |
| Loan and lease loss provision to assets | 0.0762% | 5,358 |
| Net operating income to assets | 1.6501% | 669 |
| Return on assets (ROA) | 1.6501% | 708 |
| Pretax return on assets | 1.6501% | 1,156 |
| Return on Equity (ROE) | 13.8938% | 1,002 |
| Retained earnings to average equity (ytd only) | 13.8938% | 324 |
| Net charge-offs to loans | 0.0163% | 5,614 |
| Credit loss provision to net charge-offs | 900.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 204.0000% | 182 |
| Efficiency ratio | 58.1109% | 6,146 |
| Assets per employee ($millions) | 3.0918% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3823% | 4,659 |
| Loan loss allowance to noncurrent loans | 18.9824% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 4.1320% | 1,543 |
| Noncurrent loans to loans | 7.2818% | 687 |
| Net loans and leases to total assets | 55.9594% | 5,005 |
| Net loans and leases to deposits | 63.8187% | 5,297 |
| Net loans and leases to core deposits | 83.3845% | 3,309 |
| Total domestic deposits to total assets | 87.6850% | 2,352 |
| Equity capital to assets | 11.7935% | 2,253 |
| Core capital (leverage) ratio | 11.5741% | 1,856 |
| Tier 1 risk-based capital ratio | 18.0656% | 2,154 |
| Total risk-based capital ratio | 19.2754% | 2,122 |
| Memoranda: |
| Average total assets | $23,634,670 | 7,275 |
| Average earning assets | $22,703,000 | 7,226 |
| Average equity | $2,807,000 | 7,180 |
| Average total loans | $12,249,000 | 7,159 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1515% | 7,356 |
| Cost of funding earning assets | 0.4862% | 7,022 |
| Net interest margin | 2.6653% | 7,055 |
| Noninterest income to average assets | 1.3169% | 741 |
| Noninterest expense to average assets | 2.4258% | 5,808 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4555% | 975 |
| Return on assets (ROA) | 1.4555% | 1,009 |
| Pretax return on assets | 1.4555% | 1,581 |
| Return on Equity (ROE) | 12.2093% | 1,404 |
| Retained earnings to average equity (ytd only) | 12.2093% | 707 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 5,594 |
| Assets per employee ($millions) | 3.6340% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7105% | 3,302 |
| Loan loss allowance to noncurrent loans | 395.7447% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 6,694 |
| Noncurrent loans to loans | 0.4322% | 6,138 |
| Net loans and leases to total assets | 42.0159% | 6,610 |
| Net loans and leases to deposits | 47.3801% | 6,778 |
| Net loans and leases to core deposits | 61.5385% | 5,970 |
| Total domestic deposits to total assets | 88.6784% | 1,972 |
| Equity capital to assets | 10.9796% | 2,710 |
| Core capital (leverage) ratio | 12.6757% | 1,253 |
| Tier 1 risk-based capital ratio | 19.5168% | 1,691 |
| Total risk-based capital ratio | 20.7703% | 1,656 |
| Memoranda: |
| Average total assets | $23,085,000 | 7,341 |
| Average earning assets | $22,211,500 | 7,289 |
| Average equity | $2,752,000 | 7,234 |
| Average total loans | $11,356,000 | 7,257 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5802% | 7,357 |
| Cost of funding earning assets | 0.5633% | 7,197 |
| Net interest margin | 3.0169% | 6,705 |
| Noninterest income to average assets | 0.8204% | 2,185 |
| Noninterest expense to average assets | 2.6897% | 5,037 |
| Loan and lease loss provision to assets | 0.4466% | 3,449 |
| Net operating income to assets | 0.5764% | 3,773 |
| Return on assets (ROA) | 0.5764% | 3,936 |
| Pretax return on assets | 0.5764% | 4,396 |
| Return on Equity (ROE) | 4.1356% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.1356% | 2,955 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4476% | 3,714 |
| Assets per employee ($millions) | 2.5915% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5712% | 3,694 |
| Loan loss allowance to noncurrent loans | 404.3478% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 6,680 |
| Noncurrent loans to loans | 0.3886% | 6,271 |
| Net loans and leases to total assets | 56.2030% | 5,312 |
| Net loans and leases to deposits | 65.0260% | 5,513 |
| Net loans and leases to core deposits | 85.0759% | 3,454 |
| Total domestic deposits to total assets | 86.4316% | 3,117 |
| Equity capital to assets | 13.0764% | 1,357 |
| Core capital (leverage) ratio | 12.7660% | 1,218 |
| Tier 1 risk-based capital ratio | 17.5200% | 2,166 |
| Total risk-based capital ratio | 18.7269% | 2,149 |
| Memoranda: |
| Average total assets | $19,258,600 | 7,480 |
| Average earning assets | $18,462,600 | 7,438 |
| Average equity | $2,684,000 | 7,357 |
| Average total loans | $8,058,200 | 7,464 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9410% | 7,318 |
| Cost of funding earning assets | 0.5746% | 7,335 |
| Net interest margin | 3.3665% | 5,789 |
| Noninterest income to average assets | 0.5435% | 3,839 |
| Noninterest expense to average assets | 2.4986% | 5,721 |
| Loan and lease loss provision to assets | 0.2471% | 4,619 |
| Net operating income to assets | 1.0234% | 2,163 |
| Return on assets (ROA) | 1.0234% | 2,271 |
| Pretax return on assets | 1.0234% | 3,097 |
| Return on Equity (ROE) | 7.2212% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.2212% | 1,740 |
| Net charge-offs to loans | 0.0187% | 6,414 |
| Credit loss provision to net charge-offs | 3,500.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 180.4436% | 177 |
| Efficiency ratio | 66.2921% | 4,802 |
| Assets per employee ($millions) | 3.0777% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5042% | 3,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 47.8718% | 6,533 |
| Net loans and leases to deposits | 56.4928% | 6,580 |
| Net loans and leases to core deposits | 75.9711% | 5,064 |
| Total domestic deposits to total assets | 84.7395% | 3,756 |
| Equity capital to assets | 15.0168% | 889 |
| Core capital (leverage) ratio | 14.7513% | 768 |
| Tier 1 risk-based capital ratio | 22.8347% | 1,091 |
| Total risk-based capital ratio | 23.9622% | 1,076 |
| Memoranda: |
| Average total assets | $18,890,250 | 7,584 |
| Average earning assets | $18,099,750 | 7,545 |
| Average equity | $2,677,250 | 7,454 |
| Average total loans | $7,113,250 | 7,592 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4218% | 7,632 |
| Cost of funding earning assets | 0.5941% | 7,419 |
| Net interest margin | 2.8277% | 7,109 |
| Noninterest income to average assets | 0.4204% | 4,749 |
| Noninterest expense to average assets | 2.3645% | 6,173 |
| Loan and lease loss provision to assets | 0.0525% | 6,438 |
| Net operating income to assets | 0.7041% | 3,390 |
| Return on assets (ROA) | 0.7041% | 3,542 |
| Pretax return on assets | 0.7041% | 4,222 |
| Return on Equity (ROE) | 5.0655% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.0655% | 2,869 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7576% | 3,115 |
| Assets per employee ($millions) | 3.1175% | 5,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5054% | 3,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 36.7281% | 7,330 |
| Net loans and leases to deposits | 43.0074% | 7,356 |
| Net loans and leases to core deposits | 58.7330% | 6,785 |
| Total domestic deposits to total assets | 85.3996% | 3,422 |
| Equity capital to assets | 14.3170% | 1,059 |
| Core capital (leverage) ratio | 13.7893% | 978 |
| Tier 1 risk-based capital ratio | 24.7668% | 863 |
| Total risk-based capital ratio | 25.7463% | 872 |
| Memoranda: |
| Average total assets | $19,031,670 | 7,650 |
| Average earning assets | $18,177,330 | 7,609 |
| Average equity | $2,645,330 | 7,516 |
| Average total loans | $6,492,670 | 7,677 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9590% | 7,816 |
| Cost of funding earning assets | 0.5832% | 7,559 |
| Net interest margin | 2.3758% | 7,546 |
| Noninterest income to average assets | 0.3959% | 4,946 |
| Noninterest expense to average assets | 2.0005% | 7,157 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6877% | 3,490 |
| Return on assets (ROA) | 0.6877% | 3,610 |
| Pretax return on assets | 0.6877% | 4,278 |
| Return on Equity (ROE) | 5.0209% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.0209% | 3,147 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4186% | 3,507 |
| Assets per employee ($millions) | 3.1798% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5645% | 3,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 32.9787% | 7,533 |
| Net loans and leases to deposits | 38.3518% | 7,572 |
| Net loans and leases to core deposits | 54.8514% | 7,060 |
| Total domestic deposits to total assets | 85.9898% | 3,156 |
| Equity capital to assets | 13.8739% | 1,182 |
| Core capital (leverage) ratio | 13.8414% | 995 |
| Tier 1 risk-based capital ratio | 25.6634% | 799 |
| Total risk-based capital ratio | 26.6425% | 803 |
| Memoranda: |
| Average total assets | $19,195,000 | 7,743 |
| Average earning assets | $18,520,000 | 7,692 |
| Average equity | $2,629,000 | 7,601 |
| Average total loans | $6,251,500 | 7,784 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3555% | 7,849 |
| Cost of funding earning assets | 0.7402% | 7,634 |
| Net interest margin | 2.6153% | 7,320 |
| Noninterest income to average assets | 0.4986% | 4,424 |
| Noninterest expense to average assets | 2.3979% | 6,474 |
| Loan and lease loss provision to assets | 0.0534% | 7,031 |
| Net operating income to assets | 0.5639% | 3,471 |
| Return on assets (ROA) | 0.5639% | 3,548 |
| Pretax return on assets | 0.5639% | 4,005 |
| Return on Equity (ROE) | 4.0857% | 4,048 |
| Retained earnings to average equity (ytd only) | 4.0857% | 2,357 |
| Net charge-offs to loans | 0.0168% | 6,986 |
| Credit loss provision to net charge-offs | 900.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 269 |
| Efficiency ratio | 79.5276% | 2,952 |
| Assets per employee ($millions) | 3.8622% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6364% | 3,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 31.1273% | 7,686 |
| Net loans and leases to deposits | 38.2623% | 7,673 |
| Net loans and leases to core deposits | 61.4936% | 7,210 |
| Total domestic deposits to total assets | 81.3526% | 5,213 |
| Equity capital to assets | 13.5208% | 1,313 |
| Core capital (leverage) ratio | 14.5769% | 865 |
| Tier 1 risk-based capital ratio | 23.6266% | 981 |
| Total risk-based capital ratio | 24.5391% | 990 |
| Memoranda: |
| Average total assets | $16,848,200 | 7,855 |
| Average earning assets | $16,212,000 | 7,816 |
| Average equity | $2,325,200 | 7,767 |
| Average total loans | $5,943,400 | 7,863 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5306% | 7,929 |
| Cost of funding earning assets | 0.8075% | 7,685 |
| Net interest margin | 2.7231% | 7,176 |
| Noninterest income to average assets | 0.5175% | 4,338 |
| Noninterest expense to average assets | 2.4888% | 6,104 |
| Loan and lease loss provision to assets | 0.0739% | 6,620 |
| Net operating income to assets | 0.5585% | 3,760 |
| Return on assets (ROA) | 0.5585% | 3,849 |
| Pretax return on assets | 0.5585% | 4,338 |
| Return on Equity (ROE) | 4.0226% | 4,367 |
| Retained earnings to average equity (ytd only) | 4.0226% | 3,030 |
| Net charge-offs to loans | 0.0225% | 6,576 |
| Credit loss provision to net charge-offs | 900.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 77.1880% | 441 |
| Efficiency ratio | 79.7368% | 2,889 |
| Assets per employee ($millions) | 2.7657% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7519% | 2,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 33.7953% | 7,693 |
| Net loans and leases to deposits | 39.3433% | 7,753 |
| Net loans and leases to core deposits | 67.6070% | 7,088 |
| Total domestic deposits to total assets | 85.8985% | 2,750 |
| Equity capital to assets | 13.8182% | 1,367 |
| Core capital (leverage) ratio | 13.8188% | 1,138 |
| Tier 1 risk-based capital ratio | 22.3673% | 1,182 |
| Total risk-based capital ratio | 23.3561% | 1,195 |
| Memoranda: |
| Average total assets | $16,232,500 | 7,952 |
| Average earning assets | $15,521,000 | 7,912 |
| Average equity | $2,253,750 | 7,868 |
| Average total loans | $5,901,500 | 7,940 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7948% | 7,970 |
| Cost of funding earning assets | 0.8390% | 7,772 |
| Net interest margin | 2.9558% | 6,667 |
| Noninterest income to average assets | 0.5338% | 4,154 |
| Noninterest expense to average assets | 2.3213% | 6,703 |
| Loan and lease loss provision to assets | 0.1117% | 6,027 |
| Net operating income to assets | 0.9434% | 2,302 |
| Return on assets (ROA) | 0.9434% | 2,396 |
| Pretax return on assets | 0.9434% | 3,201 |
| Return on Equity (ROE) | 6.7837% | 3,292 |
| Retained earnings to average equity (ytd only) | 6.7837% | 1,670 |
| Net charge-offs to loans | 0.0335% | 5,989 |
| Credit loss provision to net charge-offs | 900.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 453 |
| Efficiency ratio | 68.7500% | 5,018 |
| Assets per employee ($millions) | 3.2718% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4408% | 950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 24.4330% | 7,988 |
| Net loans and leases to deposits | 28.4950% | 8,012 |
| Net loans and leases to core deposits | 50.8330% | 7,748 |
| Total domestic deposits to total assets | 85.7448% | 2,906 |
| Equity capital to assets | 14.0412% | 1,302 |
| Core capital (leverage) ratio | 14.2150% | 1,091 |
| Tier 1 risk-based capital ratio | 27.1314% | 771 |
| Total risk-based capital ratio | 28.3272% | 758 |
| Memoranda: |
| Average total assets | $16,112,000 | 8,040 |
| Average earning assets | $15,495,000 | 7,991 |
| Average equity | $2,240,670 | 7,948 |
| Average total loans | $5,966,000 | 8,028 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7345% | 8,055 |
| Cost of funding earning assets | 0.8697% | 7,847 |
| Net interest margin | 2.8648% | 6,847 |
| Noninterest income to average assets | 0.5004% | 4,322 |
| Noninterest expense to average assets | 2.3767% | 6,271 |
| Loan and lease loss provision to assets | 0.2252% | 4,203 |
| Net operating income to assets | 0.7005% | 3,556 |
| Return on assets (ROA) | 0.7005% | 3,746 |
| Pretax return on assets | 0.7005% | 4,437 |
| Return on Equity (ROE) | 5.0621% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.0621% | 3,086 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9697% | 4,198 |
| Assets per employee ($millions) | 3.1724% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6287% | 2,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 38.0784% | 7,663 |
| Net loans and leases to deposits | 44.7109% | 7,702 |
| Net loans and leases to core deposits | 74.1286% | 6,802 |
| Total domestic deposits to total assets | 85.1658% | 3,127 |
| Equity capital to assets | 14.0335% | 1,355 |
| Core capital (leverage) ratio | 14.0623% | 1,178 |
| Tier 1 risk-based capital ratio | 21.0821% | 1,438 |
| Total risk-based capital ratio | 22.0313% | 1,454 |
| Memoranda: |
| Average total assets | $15,988,500 | 8,087 |
| Average earning assets | $15,638,000 | 8,034 |
| Average equity | $2,212,500 | 8,011 |
| Average total loans | $6,900,500 | 8,041 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9864% | 7,843 |
| Cost of funding earning assets | 1.4721% | 7,651 |
| Net interest margin | 3.5143% | 5,250 |
| Noninterest income to average assets | 0.6260% | 3,665 |
| Noninterest expense to average assets | 2.4975% | 6,012 |
| Loan and lease loss provision to assets | 0.1998% | 4,897 |
| Net operating income to assets | 1.1722% | 1,871 |
| Return on assets (ROA) | 1.2587% | 1,551 |
| Pretax return on assets | 1.2587% | 2,449 |
| Return on Equity (ROE) | 8.8933% | 2,679 |
| Retained earnings to average equity (ytd only) | 8.8933% | 625 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5439% | 5,439 |
| Assets per employee ($millions) | 3.2230% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2009% | 4,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 46.9687% | 7,257 |
| Net loans and leases to deposits | 55.3937% | 7,358 |
| Net loans and leases to core deposits | 84.1280% | 6,283 |
| Total domestic deposits to total assets | 84.7906% | 2,937 |
| Equity capital to assets | 13.6457% | 1,555 |
| Core capital (leverage) ratio | 14.3090% | 1,185 |
| Tier 1 risk-based capital ratio | 21.2227% | 1,431 |
| Total risk-based capital ratio | 22.1126% | 1,446 |
| Memoranda: |
| Average total assets | $15,015,000 | 8,162 |
| Average earning assets | $13,857,600 | 8,144 |
| Average equity | $2,125,200 | 8,096 |
| Average total loans | $6,942,000 | 8,082 |
