| 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 | 4.0976% | 3,811 |
| Cost of funding earning assets | 1.4328% | 2,140 |
| Net interest margin | 2.6648% | 3,874 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.9701% | 3,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6596% | 3,293 |
| Return on assets (ROA) | 0.5530% | 3,548 |
| Pretax return on assets | 0.6378% | 3,568 |
| Return on Equity (ROE) | 5.2900% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.2852% | 2,494 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.1532% | 1,646 |
| Assets per employee ($millions) | 8.0116% | 1,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3074% | 1,726 |
| 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 | 51.2800% | 3,525 |
| Net loans and leases to deposits | 62.0664% | 3,404 |
| Net loans and leases to core deposits | 70.1181% | 3,302 |
| Total domestic deposits to total assets | 82.6300% | 2,978 |
| Equity capital to assets | 10.7042% | 1,628 |
| Core capital (leverage) ratio | 14.9229% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2345% | 874 |
| Memoranda: |
| Average total assets | $106,139,000 | 3,771 |
| Average earning assets | $98,617,800 | 3,755 |
| Average equity | $11,106,400 | 3,610 |
| Average total loans | $55,203,200 | 3,771 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0679% | 3,712 |
| Cost of funding earning assets | 1.3134% | 2,115 |
| Net interest margin | 2.7545% | 3,798 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.0312% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6673% | 3,394 |
| Return on assets (ROA) | 0.5862% | 3,565 |
| Pretax return on assets | 0.6856% | 3,581 |
| Return on Equity (ROE) | 5.6400% | 3,702 |
| Retained earnings to average equity (ytd only) | 5.6363% | 2,739 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.2575% | 1,539 |
| Assets per employee ($millions) | 7.2758% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3299% | 1,738 |
| 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 | 55.0700% | 3,278 |
| Net loans and leases to deposits | 65.4588% | 3,180 |
| Net loans and leases to core deposits | 72.5787% | 3,071 |
| Total domestic deposits to total assets | 84.1200% | 2,742 |
| Equity capital to assets | 10.0686% | 1,793 |
| Core capital (leverage) ratio | 14.8668% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8370% | 967 |
| Memoranda: |
| Average total assets | $104,633,250 | 3,799 |
| Average earning assets | $97,147,250 | 3,786 |
| Average equity | $10,881,500 | 3,628 |
| Average total loans | $54,433,500 | 3,786 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9483% | 3,789 |
| Cost of funding earning assets | 1.2017% | 1,987 |
| Net interest margin | 2.7466% | 3,911 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.0160% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6810% | 3,380 |
| Return on assets (ROA) | 0.6726% | 3,405 |
| Pretax return on assets | 0.7674% | 3,469 |
| Return on Equity (ROE) | 6.4000% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.4022% | 2,474 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.1845% | 1,532 |
| Assets per employee ($millions) | 7.6689% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4077% | 1,505 |
| 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 | 49.9000% | 3,567 |
| Net loans and leases to deposits | 57.1611% | 3,579 |
| Net loans and leases to core deposits | 63.8366% | 3,461 |
| Total domestic deposits to total assets | 87.3000% | 1,831 |
| Equity capital to assets | 10.3218% | 1,681 |
| Core capital (leverage) ratio | 14.5037% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5718% | 871 |
| Memoranda: |
| Average total assets | $105,557,333 | 3,807 |
| Average earning assets | $97,865,000 | 3,796 |
| Average equity | $11,090,000 | 3,628 |
| Average total loans | $53,629,000 | 3,809 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9374% | 3,592 |
| Cost of funding earning assets | 1.2014% | 1,445 |
| Net interest margin | 2.7360% | 4,029 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.0525% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6515% | 3,582 |
| Return on assets (ROA) | 0.6345% | 3,578 |
| Pretax return on assets | 0.7147% | 3,629 |
| Return on Equity (ROE) | 5.9900% | 3,715 |
| Retained earnings to average equity (ytd only) | 5.9852% | 2,766 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.6626% | 1,373 |
| Assets per employee ($millions) | 7.9980% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4914% | 1,297 |
| 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 | 49.9900% | 3,496 |
| Net loans and leases to deposits | 57.6958% | 3,470 |
| Net loans and leases to core deposits | 64.2082% | 3,333 |
| Total domestic deposits to total assets | 86.6500% | 2,390 |
| Equity capital to assets | 10.9643% | 1,355 |
| Core capital (leverage) ratio | 14.0372% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7048% | 883 |
| Memoranda: |
| Average total assets | $104,653,500 | 3,867 |
| Average earning assets | $97,220,500 | 3,850 |
| Average equity | $11,094,000 | 3,664 |
| Average total loans | $53,271,000 | 3,857 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4451% | 3,223 |
| Cost of funding earning assets | 0.4323% | 1,842 |
| Net interest margin | 3.0127% | 3,419 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.9420% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9838% | 2,624 |
| Return on assets (ROA) | 0.9730% | 2,605 |
| Pretax return on assets | 1.1420% | 2,631 |
| Return on Equity (ROE) | 8.5900% | 3,235 |
| Retained earnings to average equity (ytd only) | 8.5939% | 1,609 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7103% | 2,674 |
| Assets per employee ($millions) | 8.1025% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4635% | 1,301 |
| 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 | 50.3000% | 3,481 |
| Net loans and leases to deposits | 59.7764% | 3,339 |
| Net loans and leases to core deposits | 64.8587% | 3,214 |
| Total domestic deposits to total assets | 84.1500% | 3,170 |
| Equity capital to assets | 10.2418% | 1,590 |
| Core capital (leverage) ratio | 14.4887% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0436% | 712 |
| Memoranda: |
| Average total assets | $101,750,200 | 3,910 |
| Average earning assets | $94,831,600 | 3,888 |
| Average equity | $11,519,800 | 3,712 |
| Average total loans | $49,225,200 | 3,908 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3540% | 3,036 |
| Cost of funding earning assets | 0.2769% | 2,417 |
| Net interest margin | 3.0771% | 2,997 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.9804% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0033% | 2,473 |
| Return on assets (ROA) | 0.9955% | 2,463 |
| Pretax return on assets | 1.1673% | 2,501 |
| Return on Equity (ROE) | 8.5800% | 3,151 |
| Retained earnings to average equity (ytd only) | 8.5790% | 1,798 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7303% | 2,725 |
| Assets per employee ($millions) | 7.9242% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4790% | 1,356 |
| 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 | 50.8900% | 3,391 |
| Net loans and leases to deposits | 58.2727% | 3,321 |
| Net loans and leases to core deposits | 64.9491% | 3,033 |
| Total domestic deposits to total assets | 87.3300% | 2,656 |
| Equity capital to assets | 9.5743% | 1,844 |
| Core capital (leverage) ratio | 13.9184% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7244% | 760 |
| Memoranda: |
| Average total assets | $100,854,500 | 3,946 |
| Average earning assets | $94,372,750 | 3,920 |
| Average equity | $11,702,750 | 3,744 |
| Average total loans | $48,088,000 | 3,944 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2179% | 2,989 |
| Cost of funding earning assets | 0.2299% | 2,509 |
| Net interest margin | 2.9881% | 2,916 |
| Noninterest income to average assets | 0.2816% | 3,478 |
| Noninterest expense to average assets | 1.9853% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9468% | 2,374 |
| Return on assets (ROA) | 0.9347% | 2,402 |
| Pretax return on assets | 1.0865% | 2,452 |
| Return on Equity (ROE) | 7.5999% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.5999% | 1,768 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3366% | 2,728 |
| Assets per employee ($millions) | 8.5379% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5520% | 1,270 |
| 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 | 48.7248% | 3,491 |
| Net loans and leases to deposits | 55.0931% | 3,458 |
| Net loans and leases to core deposits | 61.4050% | 3,165 |
| Total domestic deposits to total assets | 88.4408% | 2,407 |
| Equity capital to assets | 10.3753% | 1,494 |
| Core capital (leverage) ratio | 14.3035% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2134% | 687 |
| Memoranda: |
| Average total assets | $100,134,333 | 3,990 |
| Average earning assets | $93,973,333 | 3,968 |
| Average equity | $12,316,000 | 3,755 |
| Average total loans | $46,380,000 | 4,020 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1490% | 2,828 |
| Cost of funding earning assets | 0.2011% | 2,784 |
| Net interest margin | 2.9479% | 2,677 |
| Noninterest income to average assets | 0.2910% | 3,382 |
| Noninterest expense to average assets | 2.0369% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9051% | 2,257 |
| Return on assets (ROA) | 0.8770% | 2,374 |
| Pretax return on assets | 1.0063% | 2,419 |
| Return on Equity (ROE) | 6.5962% | 3,154 |
| Retained earnings to average equity (ytd only) | 6.5962% | 2,032 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2286% | 2,742 |
| Assets per employee ($millions) | 7.6545% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7589% | 945 |
| 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 | 44.1733% | 3,727 |
| Net loans and leases to deposits | 51.5341% | 3,603 |
| Net loans and leases to core deposits | 54.7868% | 3,540 |
| Total domestic deposits to total assets | 85.7167% | 3,339 |
| Equity capital to assets | 12.3186% | 855 |
| Core capital (leverage) ratio | 13.8363% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2479% | 539 |
| Memoranda: |
| Average total assets | $98,974,000 | 4,015 |
| Average earning assets | $93,491,000 | 3,992 |
| Average equity | $13,159,000 | 3,743 |
| Average total loans | $44,216,000 | 4,074 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4532% | 2,794 |
| Cost of funding earning assets | 0.2649% | 2,757 |
| Net interest margin | 3.1883% | 2,633 |
| Noninterest income to average assets | 0.3520% | 3,330 |
| Noninterest expense to average assets | 2.0161% | 3,631 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1455% | 2,128 |
| Return on assets (ROA) | 1.1952% | 1,999 |
| Pretax return on assets | 1.4142% | 2,004 |
| Return on Equity (ROE) | 8.0424% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.5595% | 2,539 |
| Net charge-offs to loans | 0.0243% | 1,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 744 |
| Efficiency ratio | 59.7919% | 3,183 |
| Assets per employee ($millions) | 6.1525% | 2,607 |
| Cash dividends to net income (ytd only)* | 30.8719% | 2,508 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8014% | 862 |
| 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 | 43.5819% | 3,859 |
| Net loans and leases to deposits | 52.1212% | 3,731 |
| Net loans and leases to core deposits | 54.8970% | 3,695 |
| Total domestic deposits to total assets | 83.6164% | 3,658 |
| Equity capital to assets | 14.2828% | 615 |
| Core capital (leverage) ratio | 14.3289% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9338% | 496 |
| Memoranda: |
| Average total assets | $94,044,600 | 4,057 |
| Average earning assets | $89,076,800 | 4,034 |
| Average equity | $13,976,000 | 3,743 |
| Average total loans | $41,084,400 | 4,161 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4688% | 2,927 |
| Cost of funding earning assets | 0.2703% | 2,892 |
| Net interest margin | 3.1985% | 2,730 |
| Noninterest income to average assets | 0.3400% | 3,411 |
| Noninterest expense to average assets | 1.9982% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1399% | 2,402 |
| Return on assets (ROA) | 1.2050% | 2,210 |
| Pretax return on assets | 1.4402% | 2,182 |
| Return on Equity (ROE) | 8.0256% | 3,397 |
| Retained earnings to average equity (ytd only) | 5.9141% | 2,865 |
| Net charge-offs to loans | 0.0264% | 1,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 118.7500% | 782 |
| Efficiency ratio | 59.4537% | 3,076 |
| Assets per employee ($millions) | 6.3414% | 2,383 |
| Cash dividends to net income (ytd only)* | 26.3095% | 2,253 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0259% | 603 |
| 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 | 40.0627% | 4,203 |
| Net loans and leases to deposits | 49.3071% | 4,043 |
| Net loans and leases to core deposits | 52.1356% | 4,028 |
| Total domestic deposits to total assets | 81.2512% | 4,054 |
| Equity capital to assets | 14.9389% | 551 |
| Core capital (leverage) ratio | 14.1929% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8330% | 437 |
| Memoranda: |
| Average total assets | $92,945,750 | 4,119 |
| Average earning assets | $87,789,750 | 4,096 |
| Average equity | $13,955,000 | 3,794 |
| Average total loans | $40,433,250 | 4,236 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5027% | 2,885 |
| Cost of funding earning assets | 0.2833% | 2,942 |
| Net interest margin | 3.2194% | 2,697 |
| Noninterest income to average assets | 0.3622% | 3,289 |
| Noninterest expense to average assets | 1.9670% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1883% | 2,232 |
| Return on assets (ROA) | 1.2513% | 2,085 |
| Pretax return on assets | 1.5029% | 2,002 |
| Return on Equity (ROE) | 8.3201% | 3,309 |
| Retained earnings to average equity (ytd only) | 6.7772% | 2,510 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9553% | 3,292 |
| Assets per employee ($millions) | 6.2648% | 2,373 |
| Cash dividends to net income (ytd only)* | 18.5442% | 2,578 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0006% | 606 |
| 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 | 41.5454% | 4,209 |
| Net loans and leases to deposits | 50.1993% | 4,095 |
| Net loans and leases to core deposits | 53.0593% | 4,078 |
| Total domestic deposits to total assets | 82.7608% | 3,759 |
| Equity capital to assets | 14.9608% | 535 |
| Core capital (leverage) ratio | 14.3722% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1498% | 423 |
| Memoranda: |
| Average total assets | $92,220,667 | 4,148 |
| Average earning assets | $86,848,333 | 4,128 |
| Average equity | $13,870,000 | 3,805 |
| Average total loans | $40,945,667 | 4,258 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6178% | 2,589 |
| Cost of funding earning assets | 0.3081% | 2,909 |
| Net interest margin | 3.3097% | 2,365 |
| Noninterest income to average assets | 0.2803% | 3,721 |
| Noninterest expense to average assets | 1.8742% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2469% | 1,987 |
| Return on assets (ROA) | 1.3268% | 1,826 |
| Pretax return on assets | 1.6071% | 1,710 |
| Return on Equity (ROE) | 8.7982% | 3,106 |
| Retained earnings to average equity (ytd only) | 6.7656% | 2,647 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3687% | 3,623 |
| Assets per employee ($millions) | 6.1855% | 2,422 |
| Cash dividends to net income (ytd only)* | 23.1023% | 1,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9505% | 666 |
| Loan loss allowance to noncurrent loans | 385.0242% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 3,035 |
| Noncurrent loans to loans | 0.5066% | 2,340 |
| Net loans and leases to total assets | 43.1808% | 4,165 |
| Net loans and leases to deposits | 51.9873% | 4,047 |
| Net loans and leases to core deposits | 53.6965% | 4,102 |
| Total domestic deposits to total assets | 83.0603% | 3,672 |
| Equity capital to assets | 14.7259% | 540 |
| Core capital (leverage) ratio | 14.3954% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2073% | 392 |
| Memoranda: |
| Average total assets | $91,345,000 | 4,170 |
| Average earning assets | $85,686,500 | 4,147 |
| Average equity | $13,775,500 | 3,816 |
| Average total loans | $41,499,500 | 4,271 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5067% | 4,022 |
| Cost of funding earning assets | 0.4653% | 3,186 |
| Net interest margin | 3.0415% | 3,779 |
| Noninterest income to average assets | 0.2977% | 3,701 |
| Noninterest expense to average assets | 2.0329% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9451% | 2,502 |
| Return on assets (ROA) | 1.0176% | 2,366 |
| Pretax return on assets | 1.2011% | 2,317 |
| Return on Equity (ROE) | 6.7042% | 3,322 |
| Retained earnings to average equity (ytd only) | 3.9982% | 2,824 |
| Net charge-offs to loans | -0.0024% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5658% | 2,734 |
| Assets per employee ($millions) | 5.9939% | 2,338 |
| Cash dividends to net income (ytd only)* | 40.3628% | 2,350 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8914% | 739 |
| Loan loss allowance to noncurrent loans | 104.5932% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 1,182 |
| Noncurrent loans to loans | 1.8083% | 686 |
| Net loans and leases to total assets | 45.9814% | 4,127 |
| Net loans and leases to deposits | 55.9850% | 3,999 |
| Net loans and leases to core deposits | 58.4218% | 4,029 |
| Total domestic deposits to total assets | 82.1317% | 3,633 |
| Equity capital to assets | 15.4469% | 494 |
| Core capital (leverage) ratio | 14.8928% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7773% | 453 |
| Memoranda: |
| Average total assets | $86,672,200 | 4,165 |
| Average earning assets | $81,243,600 | 4,146 |
| Average equity | $13,156,000 | 3,850 |
| Average total loans | $41,814,200 | 4,276 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5571% | 4,115 |
| Cost of funding earning assets | 0.5119% | 3,153 |
| Net interest margin | 3.0451% | 3,874 |
| Noninterest income to average assets | 0.2609% | 3,912 |
| Noninterest expense to average assets | 2.0637% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8919% | 2,735 |
| Return on assets (ROA) | 0.9829% | 2,535 |
| Pretax return on assets | 1.1584% | 2,531 |
| Return on Equity (ROE) | 6.5057% | 3,367 |
| Retained earnings to average equity (ytd only) | 3.8130% | 3,133 |
| Net charge-offs to loans | -0.0032% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2512% | 2,438 |
| Assets per employee ($millions) | 5.7355% | 2,514 |
| Cash dividends to net income (ytd only)* | 41.3902% | 1,876 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9474% | 543 |
| Loan loss allowance to noncurrent loans | 71.4798% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.2960% | 733 |
| Noncurrent loans to loans | 2.7244% | 365 |
| Net loans and leases to total assets | 46.6437% | 4,282 |
| Net loans and leases to deposits | 57.1801% | 4,204 |
| Net loans and leases to core deposits | 59.5854% | 4,229 |
| Total domestic deposits to total assets | 81.5733% | 3,526 |
| Equity capital to assets | 15.9067% | 478 |
| Core capital (leverage) ratio | 14.5917% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4563% | 432 |
| Memoranda: |
| Average total assets | $85,863,250 | 4,180 |
| Average earning assets | $80,476,250 | 4,159 |
| Average equity | $12,973,000 | 3,872 |
| Average total loans | $41,733,250 | 4,307 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5616% | 4,330 |
| Cost of funding earning assets | 0.5786% | 3,092 |
| Net interest margin | 2.9830% | 4,163 |
| Noninterest income to average assets | 0.2354% | 4,068 |
| Noninterest expense to average assets | 2.0185% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8534% | 2,856 |
| Return on assets (ROA) | 0.9347% | 2,691 |
| Pretax return on assets | 1.1001% | 2,708 |
| Return on Equity (ROE) | 6.2973% | 3,405 |
| Retained earnings to average equity (ytd only) | 3.7532% | 3,041 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7695% | 2,407 |
| Assets per employee ($millions) | 5.8453% | 2,319 |
| Cash dividends to net income (ytd only)* | 40.3990% | 1,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9116% | 521 |
| Loan loss allowance to noncurrent loans | 70.3802% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.2899% | 812 |
| Noncurrent loans to loans | 2.7161% | 396 |
| Net loans and leases to total assets | 46.5830% | 4,334 |
| Net loans and leases to deposits | 56.7364% | 4,269 |
| Net loans and leases to core deposits | 59.3948% | 4,293 |
| Total domestic deposits to total assets | 82.1042% | 3,344 |
| Equity capital to assets | 15.3729% | 558 |
| Core capital (leverage) ratio | 14.8071% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7014% | 414 |
| Memoranda: |
| Average total assets | $85,806,667 | 4,183 |
| Average earning assets | $80,188,000 | 4,167 |
| Average equity | $12,735,667 | 3,902 |
| Average total loans | $42,002,333 | 4,313 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7027% | 4,394 |
| Cost of funding earning assets | 0.7405% | 2,719 |
| Net interest margin | 2.9622% | 4,346 |
| Noninterest income to average assets | 0.2451% | 4,092 |
| Noninterest expense to average assets | 2.0832% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7765% | 2,989 |
| Return on assets (ROA) | 0.8766% | 2,697 |
| Pretax return on assets | 1.0322% | 2,728 |
| Return on Equity (ROE) | 6.0175% | 3,308 |
| Retained earnings to average equity (ytd only) | 3.0411% | 3,069 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4969% | 2,427 |
| Assets per employee ($millions) | 5.5781% | 2,044 |
| Cash dividends to net income (ytd only)* | 49.4624% | 1,649 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9398% | 560 |
| Loan loss allowance to noncurrent loans | 64.9796% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4641% | 745 |
| Noncurrent loans to loans | 2.9852% | 362 |
| Net loans and leases to total assets | 48.0931% | 4,333 |
| Net loans and leases to deposits | 59.0341% | 4,244 |
| Net loans and leases to core deposits | 61.9544% | 4,273 |
| Total domestic deposits to total assets | 81.4667% | 3,555 |
| Equity capital to assets | 14.3610% | 939 |
| Core capital (leverage) ratio | 14.7125% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8700% | 450 |
| Memoranda: |
| Average total assets | $84,870,000 | 4,199 |
| Average earning assets | $78,861,000 | 4,192 |
| Average equity | $12,364,000 | 3,960 |
| Average total loans | $42,183,500 | 4,326 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9007% | 4,428 |
| Cost of funding earning assets | 0.7117% | 3,107 |
| Net interest margin | 3.1890% | 4,207 |
| Noninterest income to average assets | 0.2631% | 4,102 |
| Noninterest expense to average assets | 2.1653% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9086% | 3,173 |
| Return on assets (ROA) | 0.9056% | 3,279 |
| Pretax return on assets | 1.0984% | 3,172 |
| Return on Equity (ROE) | 6.0966% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.1786% | 2,870 |
| Net charge-offs to loans | 0.0541% | 2,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 37.8750% | 1,362 |
| Efficiency ratio | 66.2709% | 2,728 |
| Assets per employee ($millions) | 6.1478% | 1,518 |
| Cash dividends to net income (ytd only)* | 31.4592% | 3,010 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8370% | 621 |
| Loan loss allowance to noncurrent loans | 64.5580% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4326% | 724 |
| Noncurrent loans to loans | 2.8455% | 344 |
| Net loans and leases to total assets | 49.4197% | 4,350 |
| Net loans and leases to deposits | 61.0959% | 4,237 |
| Net loans and leases to core deposits | 64.1631% | 4,270 |
| Total domestic deposits to total assets | 80.8886% | 3,794 |
| Equity capital to assets | 14.7695% | 857 |
| Core capital (leverage) ratio | 15.1110% | 661 |
| Tier 1 risk-based capital ratio | 22.8761% | 922 |
| Total risk-based capital ratio | 24.1281% | 903 |
| Memoranda: |
| Average total assets | $82,483,800 | 4,248 |
| Average earning assets | $77,704,800 | 4,218 |
| Average equity | $12,252,800 | 3,967 |
| Average total loans | $44,382,600 | 4,296 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9383% | 4,476 |
| Cost of funding earning assets | 0.7297% | 3,070 |
| Net interest margin | 3.2086% | 4,278 |
| Noninterest income to average assets | 0.2598% | 4,189 |
| Noninterest expense to average assets | 2.2290% | 4,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8835% | 3,406 |
| Return on assets (ROA) | 0.8808% | 3,497 |
| Pretax return on assets | 1.0671% | 3,390 |
| Return on Equity (ROE) | 5.9207% | 4,068 |
| Retained earnings to average equity (ytd only) | 3.8336% | 3,480 |
| Net charge-offs to loans | 0.0717% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 27.2909% | 1,717 |
| Efficiency ratio | 67.5582% | 2,489 |
| Assets per employee ($millions) | 5.7451% | 1,806 |
| Cash dividends to net income (ytd only)* | 35.2508% | 2,373 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8284% | 642 |
| Loan loss allowance to noncurrent loans | 84.5011% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.1712% | 1,093 |
| Noncurrent loans to loans | 2.1637% | 599 |
| Net loans and leases to total assets | 53.1387% | 4,243 |
| Net loans and leases to deposits | 66.2780% | 4,044 |
| Net loans and leases to core deposits | 70.3759% | 4,041 |
| Total domestic deposits to total assets | 80.1756% | 3,954 |
| Equity capital to assets | 15.6283% | 707 |
| Core capital (leverage) ratio | 15.1156% | 718 |
| Tier 1 risk-based capital ratio | 23.5973% | 885 |
| Total risk-based capital ratio | 24.8501% | 867 |
| Memoranda: |
| Average total assets | $81,587,500 | 4,317 |
| Average earning assets | $77,290,250 | 4,280 |
| Average equity | $12,138,000 | 4,013 |
| Average total loans | $44,645,500 | 4,343 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8967% | 4,560 |
| Cost of funding earning assets | 0.7237% | 3,020 |
| Net interest margin | 3.1730% | 4,413 |
| Noninterest income to average assets | 0.2562% | 4,220 |
| Noninterest expense to average assets | 2.2251% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8580% | 3,440 |
| Return on assets (ROA) | 0.8539% | 3,517 |
| Pretax return on assets | 1.0320% | 3,442 |
| Return on Equity (ROE) | 5.8363% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.5184% | 3,486 |
| Net charge-offs to loans | 0.0089% | 2,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 212.5000% | 375 |
| Efficiency ratio | 68.2124% | 2,502 |
| Assets per employee ($millions) | 5.8752% | 1,638 |
| Cash dividends to net income (ytd only)* | 39.7143% | 2,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7738% | 713 |
| Loan loss allowance to noncurrent loans | 84.9585% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.1720% | 1,150 |
| Noncurrent loans to loans | 2.0879% | 665 |
| Net loans and leases to total assets | 55.1372% | 4,130 |
| Net loans and leases to deposits | 70.7277% | 3,786 |
| Net loans and leases to core deposits | 74.6351% | 3,850 |
| Total domestic deposits to total assets | 77.9570% | 4,408 |
| Equity capital to assets | 15.0523% | 795 |
| Core capital (leverage) ratio | 14.9832% | 709 |
| Tier 1 risk-based capital ratio | 22.0487% | 1,047 |
| Total risk-based capital ratio | 23.3015% | 1,023 |
| Memoranda: |
| Average total assets | $81,973,000 | 4,346 |
| Average earning assets | $77,655,670 | 4,300 |
| Average equity | $11,994,000 | 4,049 |
| Average total loans | $45,015,330 | 4,367 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8378% | 4,646 |
| Cost of funding earning assets | 0.7096% | 3,008 |
| Net interest margin | 3.1282% | 4,539 |
| Noninterest income to average assets | 0.2395% | 4,290 |
| Noninterest expense to average assets | 2.2534% | 4,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7903% | 3,658 |
| Return on assets (ROA) | 0.7821% | 3,729 |
| Pretax return on assets | 0.9287% | 3,665 |
| Return on Equity (ROE) | 5.4235% | 4,209 |
| Retained earnings to average equity (ytd only) | 2.2372% | 3,997 |
| Net charge-offs to loans | 0.0450% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 38.4000% | 1,174 |
| Efficiency ratio | 70.5972% | 2,252 |
| Assets per employee ($millions) | 5.4481% | 2,034 |
| Cash dividends to net income (ytd only)* | 58.7500% | 1,393 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8878% | 602 |
| Loan loss allowance to noncurrent loans | 118.6317% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 1,686 |
| Noncurrent loans to loans | 1.5913% | 997 |
| Net loans and leases to total assets | 51.8325% | 4,350 |
| Net loans and leases to deposits | 62.2152% | 4,292 |
| Net loans and leases to core deposits | 64.7725% | 4,339 |
| Total domestic deposits to total assets | 83.3115% | 3,277 |
| Equity capital to assets | 14.6205% | 850 |
| Core capital (leverage) ratio | 14.4380% | 832 |
| Tier 1 risk-based capital ratio | 22.8668% | 951 |
| Total risk-based capital ratio | 24.1190% | 928 |
| Memoranda: |
| Average total assets | $81,833,000 | 4,388 |
| Average earning assets | $77,232,000 | 4,351 |
| Average equity | $11,800,500 | 4,084 |
| Average total loans | $44,437,500 | 4,425 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8521% | 4,387 |
| Cost of funding earning assets | 0.5750% | 2,886 |
| Net interest margin | 3.2771% | 4,319 |
| Noninterest income to average assets | 0.2894% | 4,169 |
| Noninterest expense to average assets | 2.1203% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0285% | 2,893 |
| Return on assets (ROA) | 1.0265% | 2,889 |
| Pretax return on assets | 1.2585% | 2,660 |
| Return on Equity (ROE) | 7.2125% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.8813% | 2,839 |
| Net charge-offs to loans | 0.0312% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 72.2143% | 914 |
| Efficiency ratio | 62.7075% | 3,402 |
| Assets per employee ($millions) | 5.4630% | 1,993 |
| Cash dividends to net income (ytd only)* | 32.3208% | 2,923 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7942% | 687 |
| Loan loss allowance to noncurrent loans | 303.7037% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 3,234 |
| Noncurrent loans to loans | 0.5908% | 2,518 |
| Net loans and leases to total assets | 54.7709% | 4,224 |
| Net loans and leases to deposits | 65.3590% | 4,164 |
| Net loans and leases to core deposits | 68.0185% | 4,236 |
| Total domestic deposits to total assets | 83.8001% | 3,060 |
| Equity capital to assets | 14.2205% | 908 |
| Core capital (leverage) ratio | 15.1990% | 649 |
| Tier 1 risk-based capital ratio | 22.0241% | 1,029 |
| Total risk-based capital ratio | 23.2756% | 1,009 |
| Memoranda: |
| Average total assets | $80,177,200 | 4,428 |
| Average earning assets | $75,646,600 | 4,387 |
| Average equity | $11,410,800 | 4,099 |
| Average total loans | $44,858,800 | 4,437 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8494% | 4,320 |
| Cost of funding earning assets | 0.5631% | 2,758 |
| Net interest margin | 3.2864% | 4,314 |
| Noninterest income to average assets | 0.2809% | 4,269 |
| Noninterest expense to average assets | 2.1086% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0344% | 2,943 |
| Return on assets (ROA) | 1.0317% | 2,962 |
| Pretax return on assets | 1.2725% | 2,715 |
| Return on Equity (ROE) | 7.2479% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.0747% | 3,194 |
| Net charge-offs to loans | 0.0388% | 2,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 58.7023% | 1,071 |
| Efficiency ratio | 62.3024% | 3,462 |
| Assets per employee ($millions) | 5.2151% | 2,210 |
| Cash dividends to net income (ytd only)* | 29.9836% | 2,552 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8449% | 659 |
| Loan loss allowance to noncurrent loans | 68.9019% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.5251% | 834 |
| Noncurrent loans to loans | 2.6775% | 460 |
| Net loans and leases to total assets | 55.9072% | 4,228 |
| Net loans and leases to deposits | 67.6379% | 4,082 |
| Net loans and leases to core deposits | 70.5205% | 4,156 |
| Total domestic deposits to total assets | 82.6567% | 3,417 |
| Equity capital to assets | 14.5412% | 820 |
| Core capital (leverage) ratio | 14.6682% | 784 |
| Tier 1 risk-based capital ratio | 22.2281% | 1,024 |
| Total risk-based capital ratio | 23.4801% | 1,002 |
| Memoranda: |
| Average total assets | $79,735,250 | 4,477 |
| Average earning assets | $75,299,250 | 4,444 |
| Average equity | $11,350,250 | 4,146 |
| Average total loans | $44,648,000 | 4,491 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7875% | 4,379 |
| Cost of funding earning assets | 0.5498% | 2,611 |
| Net interest margin | 3.2378% | 4,420 |
| Noninterest income to average assets | 0.2617% | 4,436 |
| Noninterest expense to average assets | 2.0963% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9945% | 3,047 |
| Return on assets (ROA) | 0.9945% | 3,044 |
| Pretax return on assets | 1.2189% | 2,875 |
| Return on Equity (ROE) | 7.0358% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.2019% | 2,972 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2331% | 3,428 |
| Assets per employee ($millions) | 4.9808% | 2,447 |
| Cash dividends to net income (ytd only)* | 26.0652% | 2,753 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8713% | 669 |
| Loan loss allowance to noncurrent loans | 992.8571% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 4,464 |
| Noncurrent loans to loans | 0.1885% | 4,063 |
| Net loans and leases to total assets | 54.8775% | 4,259 |
| Net loans and leases to deposits | 65.9454% | 4,168 |
| Net loans and leases to core deposits | 70.4485% | 4,122 |
| Total domestic deposits to total assets | 83.2166% | 3,349 |
| Equity capital to assets | 14.2486% | 870 |
| Core capital (leverage) ratio | 14.5779% | 757 |
| Tier 1 risk-based capital ratio | 22.8580% | 946 |
| Total risk-based capital ratio | 24.1136% | 930 |
| Memoranda: |
| Average total assets | $80,238,330 | 4,511 |
| Average earning assets | $75,669,000 | 4,477 |
| Average equity | $11,342,000 | 4,179 |
| Average total loans | $44,678,670 | 4,532 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7532% | 4,347 |
| Cost of funding earning assets | 0.5384% | 2,486 |
| Net interest margin | 3.2148% | 4,411 |
| Noninterest income to average assets | 0.2733% | 4,345 |
| Noninterest expense to average assets | 2.2158% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8893% | 3,340 |
| Return on assets (ROA) | 0.8893% | 3,350 |
| Pretax return on assets | 1.0831% | 3,236 |
| Return on Equity (ROE) | 6.3164% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.1167% | 3,115 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1687% | 2,976 |
| Assets per employee ($millions) | 6.2152% | 1,359 |
| Cash dividends to net income (ytd only)* | 18.9944% | 2,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8837% | 677 |
| Loan loss allowance to noncurrent loans | 16,680.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 5,104 |
| Noncurrent loans to loans | 0.0113% | 4,960 |
| Net loans and leases to total assets | 53.7644% | 4,308 |
| Net loans and leases to deposits | 64.4635% | 4,181 |
| Net loans and leases to core deposits | 68.4936% | 4,187 |
| Total domestic deposits to total assets | 83.4028% | 3,541 |
| Equity capital to assets | 13.9708% | 900 |
| Core capital (leverage) ratio | 14.2615% | 815 |
| Tier 1 risk-based capital ratio | 22.5874% | 982 |
| Total risk-based capital ratio | 23.8417% | 962 |
| Memoranda: |
| Average total assets | $80,511,500 | 4,556 |
| Average earning assets | $75,775,000 | 4,530 |
| Average equity | $11,335,500 | 4,220 |
| Average total loans | $44,734,500 | 4,572 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6765% | 4,395 |
| Cost of funding earning assets | 0.4568% | 2,708 |
| Net interest margin | 3.2197% | 4,395 |
| Noninterest income to average assets | 0.2958% | 4,337 |
| Noninterest expense to average assets | 2.0019% | 4,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1357% | 1,729 |
| Return on assets (ROA) | 1.1357% | 1,764 |
| Pretax return on assets | 1.3513% | 2,165 |
| Return on Equity (ROE) | 8.1472% | 2,728 |
| Retained earnings to average equity (ytd only) | 5.3146% | 1,919 |
| Net charge-offs to loans | 0.0023% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1,078.0000% | 76 |
| Efficiency ratio | 59.7009% | 4,305 |
| Assets per employee ($millions) | 5.7304% | 1,731 |
| Cash dividends to net income (ytd only)* | 34.7682% | 3,095 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8453% | 715 |
| Loan loss allowance to noncurrent loans | 16,680.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 5,156 |
| Noncurrent loans to loans | 0.0111% | 4,986 |
| Net loans and leases to total assets | 55.2950% | 4,249 |
| Net loans and leases to deposits | 66.4764% | 4,147 |
| Net loans and leases to core deposits | 69.4725% | 4,209 |
| Total domestic deposits to total assets | 83.1800% | 3,502 |
| Equity capital to assets | 14.1887% | 857 |
| Core capital (leverage) ratio | 14.3524% | 762 |
| Tier 1 risk-based capital ratio | 21.8234% | 1,043 |
| Total risk-based capital ratio | 23.0781% | 1,015 |
| Memoranda: |
| Average total assets | $79,775,800 | 4,595 |
| Average earning assets | $75,752,000 | 4,544 |
| Average equity | $11,120,400 | 4,281 |
| Average total loans | $43,773,000 | 4,619 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6369% | 4,471 |
| Cost of funding earning assets | 0.4480% | 2,734 |
| Net interest margin | 3.1889% | 4,475 |
| Noninterest income to average assets | 0.2795% | 4,517 |
| Noninterest expense to average assets | 2.0369% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9021% | 3,016 |
| Return on assets (ROA) | 0.9021% | 3,073 |
| Pretax return on assets | 1.2804% | 2,583 |
| Return on Equity (ROE) | 6.5008% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.8233% | 3,644 |
| Net charge-offs to loans | 0.0031% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 766.8947% | 139 |
| Efficiency ratio | 61.4026% | 3,971 |
| Assets per employee ($millions) | 5.2929% | 2,127 |
| Cash dividends to net income (ytd only)* | 41.1869% | 2,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8624% | 761 |
| Loan loss allowance to noncurrent loans | 296.7972% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 3,618 |
| Noncurrent loans to loans | 0.6275% | 2,825 |
| Net loans and leases to total assets | 55.3537% | 4,290 |
| Net loans and leases to deposits | 67.6722% | 4,132 |
| Net loans and leases to core deposits | 71.1831% | 4,174 |
| Total domestic deposits to total assets | 81.7969% | 3,832 |
| Equity capital to assets | 14.2166% | 935 |
| Core capital (leverage) ratio | 13.8723% | 924 |
| Tier 1 risk-based capital ratio | 21.6741% | 1,087 |
| Total risk-based capital ratio | 22.9279% | 1,067 |
| Memoranda: |
| Average total assets | $79,663,250 | 4,641 |
| Average earning assets | $75,886,000 | 4,587 |
| Average equity | $11,054,750 | 4,334 |
| Average total loans | $43,417,500 | 4,676 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5813% | 4,560 |
| Cost of funding earning assets | 0.4322% | 2,785 |
| Net interest margin | 3.1491% | 4,549 |
| Noninterest income to average assets | 0.3009% | 4,383 |
| Noninterest expense to average assets | 1.9962% | 4,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9504% | 2,658 |
| Return on assets (ROA) | 0.9504% | 2,715 |
| Pretax return on assets | 1.3015% | 2,378 |
| Return on Equity (ROE) | 6.9051% | 3,603 |
| Retained earnings to average equity (ytd only) | 4.2087% | 3,203 |
| Net charge-offs to loans | 0.0047% | 3,317 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 519.0000% | 163 |
| Efficiency ratio | 60.5323% | 4,236 |
| Assets per employee ($millions) | 5.3013% | 2,057 |
| Cash dividends to net income (ytd only)* | 39.0501% | 2,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8777% | 751 |
| Loan loss allowance to noncurrent loans | 379.0909% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 4,014 |
| Noncurrent loans to loans | 0.4953% | 3,269 |
| Net loans and leases to total assets | 54.8051% | 4,332 |
| Net loans and leases to deposits | 66.4112% | 4,191 |
| Net loans and leases to core deposits | 69.9602% | 4,236 |
| Total domestic deposits to total assets | 82.5239% | 3,717 |
| Equity capital to assets | 14.1549% | 919 |
| Core capital (leverage) ratio | 14.0612% | 846 |
| Tier 1 risk-based capital ratio | 20.6817% | 1,248 |
| Total risk-based capital ratio | 21.9362% | 1,219 |
| Memoranda: |
| Average total assets | $79,753,330 | 4,669 |
| Average earning assets | $75,894,000 | 4,615 |
| Average equity | $10,977,330 | 4,362 |
| Average total loans | $42,963,000 | 4,719 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5954% | 4,433 |
| Cost of funding earning assets | 0.4283% | 2,736 |
| Net interest margin | 3.1672% | 4,444 |
| Noninterest income to average assets | 0.2905% | 4,476 |
| Noninterest expense to average assets | 1.9882% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9515% | 2,519 |
| Return on assets (ROA) | 0.9515% | 2,578 |
| Pretax return on assets | 1.3021% | 2,227 |
| Return on Equity (ROE) | 7.0124% | 3,392 |
| Retained earnings to average equity (ytd only) | 4.2812% | 3,296 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4262% | 4,406 |
| Assets per employee ($millions) | 5.2304% | 2,155 |
| Cash dividends to net income (ytd only)* | 38.9474% | 2,041 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0238% | 646 |
| Loan loss allowance to noncurrent loans | 556.6667% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 4,484 |
| Noncurrent loans to loans | 0.3636% | 3,789 |
| Net loans and leases to total assets | 51.5244% | 4,556 |
| Net loans and leases to deposits | 61.9952% | 4,431 |
| Net loans and leases to core deposits | 65.2958% | 4,475 |
| Total domestic deposits to total assets | 83.1103% | 3,796 |
| Equity capital to assets | 13.9671% | 911 |
| Core capital (leverage) ratio | 13.4178% | 998 |
| Tier 1 risk-based capital ratio | 23.4120% | 927 |
| Total risk-based capital ratio | 24.6687% | 915 |
| Memoranda: |
| Average total assets | $79,870,000 | 4,714 |
| Average earning assets | $75,651,500 | 4,661 |
| Average equity | $10,838,000 | 4,412 |
| Average total loans | $42,237,000 | 4,780 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6814% | 4,270 |
| Cost of funding earning assets | 0.4292% | 2,711 |
| Net interest margin | 3.2522% | 4,290 |
| Noninterest income to average assets | 0.3540% | 4,200 |
| Noninterest expense to average assets | 2.0049% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9813% | 2,431 |
| Return on assets (ROA) | 0.9813% | 2,535 |
| Pretax return on assets | 1.4459% | 1,762 |
| Return on Equity (ROE) | 7.2558% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.1342% | 2,254 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0994% | 4,837 |
| Assets per employee ($millions) | 5.8060% | 1,616 |
| Cash dividends to net income (ytd only)* | 29.2405% | 3,348 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9322% | 755 |
| Loan loss allowance to noncurrent loans | 7,590.9091% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 5,346 |
| Noncurrent loans to loans | 0.0255% | 5,162 |
| Net loans and leases to total assets | 52.1382% | 4,595 |
| Net loans and leases to deposits | 64.8736% | 4,341 |
| Net loans and leases to core deposits | 69.8153% | 4,258 |
| Total domestic deposits to total assets | 80.3688% | 4,492 |
| Equity capital to assets | 13.1859% | 1,181 |
| Core capital (leverage) ratio | 13.2727% | 1,037 |
| Tier 1 risk-based capital ratio | 21.9537% | 1,092 |
| Total risk-based capital ratio | 23.2099% | 1,061 |
| Memoranda: |
| Average total assets | $80,501,600 | 4,726 |
| Average earning assets | $76,656,000 | 4,656 |
| Average equity | $10,887,800 | 4,441 |
| Average total loans | $40,620,400 | 4,853 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6939% | 4,268 |
| Cost of funding earning assets | 0.4311% | 2,729 |
| Net interest margin | 3.2628% | 4,301 |
| Noninterest income to average assets | 0.3636% | 4,178 |
| Noninterest expense to average assets | 2.0073% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0410% | 2,241 |
| Return on assets (ROA) | 1.0410% | 2,362 |
| Pretax return on assets | 1.4727% | 1,796 |
| Return on Equity (ROE) | 7.6483% | 3,218 |
| Retained earnings to average equity (ytd only) | 5.8551% | 2,267 |
| Net charge-offs to loans | 0.0033% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 889.2030% | 100 |
| Efficiency ratio | 57.6813% | 4,858 |
| Assets per employee ($millions) | 5.9103% | 1,511 |
| Cash dividends to net income (ytd only)* | 23.4455% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9387% | 798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 50.9813% | 4,733 |
| Net loans and leases to deposits | 62.7299% | 4,580 |
| Net loans and leases to core deposits | 67.3629% | 4,520 |
| Total domestic deposits to total assets | 81.2711% | 4,176 |
| Equity capital to assets | 13.6312% | 1,184 |
| Core capital (leverage) ratio | 13.0806% | 1,161 |
| Tier 1 risk-based capital ratio | 22.1794% | 1,117 |
| Total risk-based capital ratio | 23.4351% | 1,095 |
| Memoranda: |
| Average total assets | $80,306,000 | 4,769 |
| Average earning assets | $76,700,250 | 4,691 |
| Average equity | $10,930,250 | 4,477 |
| Average total loans | $39,971,750 | 4,923 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7347% | 4,169 |
| Cost of funding earning assets | 0.4322% | 2,718 |
| Net interest margin | 3.3024% | 4,225 |
| Noninterest income to average assets | 0.3950% | 3,905 |
| Noninterest expense to average assets | 2.0002% | 5,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0844% | 2,012 |
| Return on assets (ROA) | 1.0844% | 2,148 |
| Pretax return on assets | 1.5473% | 1,534 |
| Return on Equity (ROE) | 7.9711% | 2,992 |
| Retained earnings to average equity (ytd only) | 6.6210% | 1,799 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3830% | 5,106 |
| Assets per employee ($millions) | 5.3462% | 1,940 |
| Cash dividends to net income (ytd only)* | 16.9374% | 3,284 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0656% | 654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 49.3672% | 4,885 |
| Net loans and leases to deposits | 61.8830% | 4,665 |
| Net loans and leases to core deposits | 66.7032% | 4,557 |
| Total domestic deposits to total assets | 79.7750% | 4,602 |
| Equity capital to assets | 13.9364% | 1,049 |
| Core capital (leverage) ratio | 13.3672% | 1,029 |
| Tier 1 risk-based capital ratio | 23.2061% | 993 |
| Total risk-based capital ratio | 24.4627% | 974 |
| Memoranda: |
| Average total assets | $79,493,330 | 4,829 |
| Average earning assets | $75,883,670 | 4,758 |
| Average equity | $10,814,000 | 4,524 |
| Average total loans | $38,956,330 | 5,008 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6205% | 4,564 |
| Cost of funding earning assets | 0.4493% | 2,596 |
| Net interest margin | 3.1712% | 4,670 |
| Noninterest income to average assets | 0.3942% | 3,874 |
| Noninterest expense to average assets | 2.0166% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9957% | 2,296 |
| Return on assets (ROA) | 0.9957% | 2,414 |
| Pretax return on assets | 1.4101% | 1,875 |
| Return on Equity (ROE) | 7.4109% | 3,238 |
| Retained earnings to average equity (ytd only) | 4.6647% | 3,142 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8496% | 4,894 |
| Assets per employee ($millions) | 6.0757% | 1,357 |
| Cash dividends to net income (ytd only)* | 37.0558% | 2,177 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1110% | 675 |
| Loan loss allowance to noncurrent loans | 236.5439% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 3,803 |
| Noncurrent loans to loans | 0.8924% | 2,613 |
| Net loans and leases to total assets | 49.0226% | 4,884 |
| Net loans and leases to deposits | 63.0034% | 4,507 |
| Net loans and leases to core deposits | 67.2853% | 4,451 |
| Total domestic deposits to total assets | 77.8094% | 5,177 |
| Equity capital to assets | 13.6863% | 1,094 |
| Core capital (leverage) ratio | 13.0089% | 1,157 |
| Tier 1 risk-based capital ratio | 23.4228% | 974 |
| Total risk-based capital ratio | 24.6814% | 965 |
| Memoranda: |
| Average total assets | $79,143,500 | 4,874 |
| Average earning assets | $75,680,500 | 4,808 |
| Average equity | $10,633,000 | 4,567 |
| Average total loans | $38,222,500 | 5,071 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6107% | 4,640 |
| Cost of funding earning assets | 0.4545% | 2,585 |
| Net interest margin | 3.1562% | 4,761 |
| Noninterest income to average assets | 0.2641% | 4,989 |
| Noninterest expense to average assets | 2.0670% | 5,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9015% | 2,861 |
| Return on assets (ROA) | 0.9015% | 2,941 |
| Pretax return on assets | 1.2125% | 2,610 |
| Return on Equity (ROE) | 6.9212% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.1567% | 2,308 |
| Net charge-offs to loans | -0.0056% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0275% | 4,435 |
| Assets per employee ($millions) | 5.6645% | 1,643 |
| Cash dividends to net income (ytd only)* | 25.4930% | 3,549 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2635% | 541 |
| Loan loss allowance to noncurrent loans | 222.6667% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 3,731 |
| Noncurrent loans to loans | 1.0165% | 2,306 |
| Net loans and leases to total assets | 45.4649% | 5,192 |
| Net loans and leases to deposits | 57.9206% | 4,914 |
| Net loans and leases to core deposits | 61.8227% | 4,885 |
| Total domestic deposits to total assets | 78.4951% | 5,064 |
| Equity capital to assets | 13.1849% | 1,265 |
| Core capital (leverage) ratio | 13.0161% | 1,146 |
| Tier 1 risk-based capital ratio | 24.2614% | 891 |
| Total risk-based capital ratio | 25.5215% | 873 |
| Memoranda: |
| Average total assets | $78,760,200 | 4,897 |
| Average earning assets | $75,249,400 | 4,826 |
| Average equity | $10,258,400 | 4,608 |
| Average total loans | $35,607,600 | 5,170 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6132% | 4,695 |
| Cost of funding earning assets | 0.4485% | 2,704 |
| Net interest margin | 3.1646% | 4,788 |
| Noninterest income to average assets | 0.2188% | 5,348 |
| Noninterest expense to average assets | 2.0773% | 5,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8530% | 3,160 |
| Return on assets (ROA) | 0.8530% | 3,248 |
| Pretax return on assets | 1.1684% | 2,935 |
| Return on Equity (ROE) | 6.5692% | 3,860 |
| Retained earnings to average equity (ytd only) | 4.2053% | 3,475 |
| Net charge-offs to loans | -0.0038% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0021% | 4,246 |
| Assets per employee ($millions) | 5.6198% | 1,671 |
| Cash dividends to net income (ytd only)* | 35.9845% | 2,518 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2604% | 602 |
| Loan loss allowance to noncurrent loans | 148.9286% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 3,125 |
| Noncurrent loans to loans | 1.5178% | 1,656 |
| Net loans and leases to total assets | 45.8355% | 5,238 |
| Net loans and leases to deposits | 58.5498% | 4,950 |
| Net loans and leases to core deposits | 62.6087% | 4,893 |
| Total domestic deposits to total assets | 78.2846% | 5,132 |
| Equity capital to assets | 13.2135% | 1,345 |
| Core capital (leverage) ratio | 12.6283% | 1,350 |
| Tier 1 risk-based capital ratio | 23.7797% | 966 |
| Total risk-based capital ratio | 25.0380% | 954 |
| Memoranda: |
| Average total assets | $78,624,500 | 4,956 |
| Average earning assets | $75,204,000 | 4,888 |
| Average equity | $10,209,000 | 4,674 |
| Average total loans | $35,287,000 | 5,238 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5880% | 4,751 |
| Cost of funding earning assets | 0.4392% | 2,849 |
| Net interest margin | 3.1488% | 4,830 |
| Noninterest income to average assets | 0.2341% | 5,282 |
| Noninterest expense to average assets | 2.0889% | 5,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8167% | 3,300 |
| Return on assets (ROA) | 0.8167% | 3,407 |
| Pretax return on assets | 1.1551% | 2,953 |
| Return on Equity (ROE) | 6.3272% | 3,974 |
| Retained earnings to average equity (ytd only) | 4.0999% | 3,416 |
| Net charge-offs to loans | -0.0058% | 4,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3922% | 4,292 |
| Assets per employee ($millions) | 5.1351% | 2,112 |
| Cash dividends to net income (ytd only)* | 35.2025% | 2,610 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3900% | 559 |
| Loan loss allowance to noncurrent loans | 214.9485% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 3,934 |
| Noncurrent loans to loans | 1.1119% | 2,436 |
| Net loans and leases to total assets | 44.2214% | 5,372 |
| Net loans and leases to deposits | 55.2318% | 5,175 |
| Net loans and leases to core deposits | 59.0534% | 5,126 |
| Total domestic deposits to total assets | 80.0652% | 4,848 |
| Equity capital to assets | 13.1099% | 1,346 |
| Core capital (leverage) ratio | 13.2754% | 1,058 |
| Tier 1 risk-based capital ratio | 25.4203% | 822 |
| Total risk-based capital ratio | 26.6808% | 811 |
| Memoranda: |
| Average total assets | $78,607,000 | 5,007 |
| Average earning assets | $75,139,330 | 4,940 |
| Average equity | $10,146,670 | 4,715 |
| Average total loans | $34,750,670 | 5,300 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5984% | 4,695 |
| Cost of funding earning assets | 0.4366% | 2,913 |
| Net interest margin | 3.1618% | 4,748 |
| Noninterest income to average assets | 0.2066% | 5,476 |
| Noninterest expense to average assets | 2.0353% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8464% | 3,024 |
| Return on assets (ROA) | 0.8464% | 3,147 |
| Pretax return on assets | 1.1990% | 2,676 |
| Return on Equity (ROE) | 6.6070% | 3,707 |
| Retained earnings to average equity (ytd only) | 4.8373% | 3,156 |
| Net charge-offs to loans | -0.0115% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9283% | 4,633 |
| Assets per employee ($millions) | 5.2508% | 2,056 |
| Cash dividends to net income (ytd only)* | 26.7857% | 2,409 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4485% | 569 |
| Loan loss allowance to noncurrent loans | 214.9485% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 4,056 |
| Noncurrent loans to loans | 1.1391% | 2,495 |
| Net loans and leases to total assets | 42.1866% | 5,469 |
| Net loans and leases to deposits | 52.6335% | 5,296 |
| Net loans and leases to core deposits | 56.1817% | 5,241 |
| Total domestic deposits to total assets | 80.1516% | 5,020 |
| Equity capital to assets | 13.0964% | 1,346 |
| Core capital (leverage) ratio | 12.2418% | 1,484 |
| Tier 1 risk-based capital ratio | 45.8826% | 181 |
| Total risk-based capital ratio | 45.8826% | 200 |
| Memoranda: |
| Average total assets | $79,397,500 | 5,040 |
| Average earning assets | $76,033,500 | 4,971 |
| Average equity | $10,171,000 | 4,742 |
| Average total loans | $34,678,000 | 5,338 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6907% | 4,802 |
| Cost of funding earning assets | 0.4861% | 2,819 |
| Net interest margin | 3.2047% | 4,901 |
| Noninterest income to average assets | -0.1863% | 6,474 |
| Noninterest expense to average assets | 2.1556% | 5,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4930% | 4,837 |
| Return on assets (ROA) | 0.5049% | 4,877 |
| Pretax return on assets | 0.7155% | 4,565 |
| Return on Equity (ROE) | 4.0646% | 5,086 |
| Retained earnings to average equity (ytd only) | 2.6167% | 4,382 |
| Net charge-offs to loans | -0.0691% | 6,021 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5176% | 2,591 |
| Assets per employee ($millions) | 5.3355% | 1,918 |
| Cash dividends to net income (ytd only)* | 35.6234% | 3,082 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3601% | 663 |
| Loan loss allowance to noncurrent loans | 130.1563% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 3,210 |
| Noncurrent loans to loans | 1.8133% | 1,582 |
| Net loans and leases to total assets | 43.0597% | 5,536 |
| Net loans and leases to deposits | 55.1031% | 5,240 |
| Net loans and leases to core deposits | 58.8732% | 5,208 |
| Total domestic deposits to total assets | 78.1440% | 5,411 |
| Equity capital to assets | 12.5286% | 1,631 |
| Core capital (leverage) ratio | 12.1392% | 1,541 |
| Tier 1 risk-based capital ratio | 23.2749% | 1,038 |
| Total risk-based capital ratio | 24.5330% | 1,014 |
| Memoranda: |
| Average total assets | $77,843,200 | 5,112 |
| Average earning assets | $73,860,600 | 5,042 |
| Average equity | $9,668,800 | 4,821 |
| Average total loans | $33,292,200 | 5,433 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7019% | 4,849 |
| Cost of funding earning assets | 0.4955% | 2,808 |
| Net interest margin | 3.2064% | 4,944 |
| Noninterest income to average assets | 0.2415% | 5,478 |
| Noninterest expense to average assets | 2.2269% | 5,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7702% | 3,564 |
| Return on assets (ROA) | 0.7866% | 3,591 |
| Pretax return on assets | 1.0729% | 3,287 |
| Return on Equity (ROE) | 6.3468% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.1778% | 2,973 |
| Net charge-offs to loans | -0.0772% | 6,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9474% | 3,865 |
| Assets per employee ($millions) | 5.3236% | 1,883 |
| Cash dividends to net income (ytd only)* | 18.4217% | 3,268 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4046% | 735 |
| Loan loss allowance to noncurrent loans | 62.1905% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.3030% | 1,185 |
| Noncurrent loans to loans | 3.8665% | 570 |
| Net loans and leases to total assets | 42.1356% | 5,657 |
| Net loans and leases to deposits | 56.3904% | 5,217 |
| Net loans and leases to core deposits | 59.7118% | 5,213 |
| Total domestic deposits to total assets | 74.7214% | 5,948 |
| Equity capital to assets | 12.4765% | 1,714 |
| Core capital (leverage) ratio | 12.5313% | 1,386 |
| Tier 1 risk-based capital ratio | 23.6526% | 1,029 |
| Total risk-based capital ratio | 24.9060% | 1,010 |
| Memoranda: |
| Average total assets | $77,295,750 | 5,178 |
| Average earning assets | $73,185,000 | 5,118 |
| Average equity | $9,579,250 | 4,877 |
| Average total loans | $32,791,500 | 5,503 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6863% | 4,905 |
| Cost of funding earning assets | 0.5029% | 2,807 |
| Net interest margin | 3.1834% | 4,994 |
| Noninterest income to average assets | 0.2433% | 5,454 |
| Noninterest expense to average assets | 2.2631% | 5,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6323% | 4,194 |
| Return on assets (ROA) | 0.6541% | 4,172 |
| Pretax return on assets | 1.0282% | 3,361 |
| Return on Equity (ROE) | 5.2903% | 4,536 |
| Retained earnings to average equity (ytd only) | 5.2903% | 2,770 |
| Net charge-offs to loans | -0.1117% | 6,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4779% | 3,746 |
| Assets per employee ($millions) | 5.1358% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5165% | 692 |
| Loan loss allowance to noncurrent loans | 60.4821% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.4339% | 1,180 |
| Noncurrent loans to loans | 4.1607% | 564 |
| Net loans and leases to total assets | 41.6358% | 5,700 |
| Net loans and leases to deposits | 53.0060% | 5,424 |
| Net loans and leases to core deposits | 55.7157% | 5,433 |
| Total domestic deposits to total assets | 78.5493% | 5,540 |
| Equity capital to assets | 12.7277% | 1,526 |
| Core capital (leverage) ratio | 12.7956% | 1,239 |
| Tier 1 risk-based capital ratio | 24.2499% | 952 |
| Total risk-based capital ratio | 25.5111% | 933 |
| Memoranda: |
| Average total assets | $76,443,000 | 5,240 |
| Average earning assets | $72,376,330 | 5,171 |
| Average equity | $9,451,330 | 4,921 |
| Average total loans | $32,230,000 | 5,565 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6785% | 4,920 |
| Cost of funding earning assets | 0.5064% | 2,838 |
| Net interest margin | 3.1721% | 5,010 |
| Noninterest income to average assets | 0.2364% | 5,470 |
| Noninterest expense to average assets | 2.2903% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5516% | 4,453 |
| Return on assets (ROA) | 0.5516% | 4,527 |
| Pretax return on assets | 0.9403% | 3,553 |
| Return on Equity (ROE) | 4.5285% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.5285% | 3,402 |
| Net charge-offs to loans | -0.1129% | 6,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8943% | 3,669 |
| Assets per employee ($millions) | 5.0688% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6254% | 693 |
| Loan loss allowance to noncurrent loans | 81.9000% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 2.0202% | 1,683 |
| Noncurrent loans to loans | 3.2056% | 961 |
| Net loans and leases to total assets | 39.9516% | 5,813 |
| Net loans and leases to deposits | 49.4369% | 5,637 |
| Net loans and leases to core deposits | 51.3073% | 5,666 |
| Total domestic deposits to total assets | 80.8133% | 5,289 |
| Equity capital to assets | 12.4027% | 1,628 |
| Core capital (leverage) ratio | 12.6920% | 1,301 |
| Tier 1 risk-based capital ratio | 24.9784% | 892 |
| Total risk-based capital ratio | 26.2396% | 872 |
| Memoranda: |
| Average total assets | $76,146,000 | 5,297 |
| Average earning assets | $71,877,000 | 5,230 |
| Average equity | $9,274,500 | 4,983 |
| Average total loans | $31,893,500 | 5,632 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6728% | 5,213 |
| Cost of funding earning assets | 0.7573% | 1,459 |
| Net interest margin | 2.9155% | 5,759 |
| Noninterest income to average assets | 0.3043% | 5,166 |
| Noninterest expense to average assets | 2.0395% | 5,947 |
| Loan and lease loss provision to assets | 0.0393% | 4,333 |
| Net operating income to assets | 0.7551% | 3,518 |
| Return on assets (ROA) | 0.7791% | 3,503 |
| Pretax return on assets | 1.0191% | 3,273 |
| Return on Equity (ROE) | 6.2603% | 3,937 |
| Retained earnings to average equity (ytd only) | 3.1407% | 4,003 |
| Net charge-offs to loans | -0.6287% | 6,739 |
| Credit loss provision to net charge-offs | -15.1515% | 5,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5098% | 4,469 |
| Assets per employee ($millions) | 5.0840% | 2,086 |
| Cash dividends to net income (ytd only)* | 49.8316% | 2,284 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4853% | 840 |
| Loan loss allowance to noncurrent loans | 78.5645% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.0942% | 1,711 |
| Noncurrent loans to loans | 3.1634% | 1,083 |
| Net loans and leases to total assets | 41.6758% | 5,846 |
| Net loans and leases to deposits | 54.0887% | 5,458 |
| Net loans and leases to core deposits | 56.2513% | 5,516 |
| Total domestic deposits to total assets | 77.0509% | 5,963 |
| Equity capital to assets | 11.9578% | 1,834 |
| Core capital (leverage) ratio | 12.4297% | 1,392 |
| Tier 1 risk-based capital ratio | 23.8000% | 978 |
| Total risk-based capital ratio | 25.0605% | 962 |
| Memoranda: |
| Average total assets | $76,245,000 | 5,319 |
| Average earning assets | $72,234,600 | 5,248 |
| Average equity | $9,488,400 | 4,980 |
| Average total loans | $31,493,400 | 5,689 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6396% | 5,333 |
| Cost of funding earning assets | 0.8043% | 1,295 |
| Net interest margin | 2.8353% | 5,953 |
| Noninterest income to average assets | 0.3025% | 5,274 |
| Noninterest expense to average assets | 1.9656% | 6,074 |
| Loan and lease loss provision to assets | 0.0525% | 3,980 |
| Net operating income to assets | 0.7494% | 3,600 |
| Return on assets (ROA) | 0.7817% | 3,575 |
| Pretax return on assets | 1.0143% | 3,454 |
| Return on Equity (ROE) | 6.2207% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.3399% | 4,301 |
| Net charge-offs to loans | -0.8670% | 6,820 |
| Credit loss provision to net charge-offs | -14.7783% | 5,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7310% | 4,536 |
| Assets per employee ($millions) | 5.0459% | 2,109 |
| Cash dividends to net income (ytd only)* | 46.3078% | 2,034 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6118% | 822 |
| Loan loss allowance to noncurrent loans | 42.8046% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 3.3030% | 1,069 |
| Noncurrent loans to loans | 6.1018% | 411 |
| Net loans and leases to total assets | 40.1504% | 6,020 |
| Net loans and leases to deposits | 53.1778% | 5,617 |
| Net loans and leases to core deposits | 54.7974% | 5,708 |
| Total domestic deposits to total assets | 75.5021% | 6,228 |
| Equity capital to assets | 12.0548% | 1,888 |
| Core capital (leverage) ratio | 12.4328% | 1,454 |
| Tier 1 risk-based capital ratio | 24.2561% | 962 |
| Total risk-based capital ratio | 25.5177% | 940 |
| Memoranda: |
| Average total assets | $76,241,250 | 5,375 |
| Average earning assets | $72,278,000 | 5,299 |
| Average equity | $9,580,750 | 5,011 |
| Average total loans | $31,218,750 | 5,756 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6124% | 5,397 |
| Cost of funding earning assets | 0.8500% | 1,137 |
| Net interest margin | 2.7624% | 6,075 |
| Noninterest income to average assets | 0.3062% | 5,260 |
| Noninterest expense to average assets | 1.9496% | 6,133 |
| Loan and lease loss provision to assets | 0.0785% | 3,488 |
| Net operating income to assets | 0.6800% | 3,906 |
| Return on assets (ROA) | 0.7118% | 3,921 |
| Pretax return on assets | 0.9395% | 3,748 |
| Return on Equity (ROE) | 5.5892% | 4,408 |
| Retained earnings to average equity (ytd only) | 3.0617% | 4,371 |
| Net charge-offs to loans | -0.2306% | 6,700 |
| Credit loss provision to net charge-offs | -83.3333% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6369% | 4,424 |
| Assets per employee ($millions) | 5.0198% | 2,094 |
| Cash dividends to net income (ytd only)* | 45.2206% | 2,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1503% | 1,530 |
| Loan loss allowance to noncurrent loans | 58.2210% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 2.2830% | 1,897 |
| Noncurrent loans to loans | 3.6933% | 1,108 |
| Net loans and leases to total assets | 39.1623% | 6,099 |
| Net loans and leases to deposits | 48.7381% | 5,935 |
| Net loans and leases to core deposits | 49.7142% | 6,036 |
| Total domestic deposits to total assets | 80.3525% | 5,525 |
| Equity capital to assets | 12.4799% | 1,587 |
| Core capital (leverage) ratio | 12.1495% | 1,535 |
| Tier 1 risk-based capital ratio | 24.7147% | 902 |
| Total risk-based capital ratio | 25.9703% | 889 |
| Memoranda: |
| Average total assets | $76,425,670 | 5,406 |
| Average earning assets | $72,472,000 | 5,319 |
| Average equity | $9,733,000 | 5,000 |
| Average total loans | $31,223,670 | 5,795 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5820% | 5,498 |
| Cost of funding earning assets | 0.8900% | 1,037 |
| Net interest margin | 2.6920% | 6,227 |
| Noninterest income to average assets | 0.2754% | 5,482 |
| Noninterest expense to average assets | 1.9535% | 6,193 |
| Loan and lease loss provision to assets | 0.1559% | 2,308 |
| Net operating income to assets | 0.4882% | 4,738 |
| Return on assets (ROA) | 0.5455% | 4,624 |
| Pretax return on assets | 0.7949% | 4,191 |
| Return on Equity (ROE) | 4.2420% | 4,976 |
| Retained earnings to average equity (ytd only) | 2.4644% | 4,792 |
| Net charge-offs to loans | -0.1259% | 6,534 |
| Credit loss provision to net charge-offs | -300.0000% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2449% | 4,102 |
| Assets per employee ($millions) | 5.6509% | 1,540 |
| Cash dividends to net income (ytd only)* | 41.9048% | 1,790 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9837% | 2,092 |
| Loan loss allowance to noncurrent loans | 54.2284% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 2.2272% | 2,094 |
| Noncurrent loans to loans | 3.6581% | 1,296 |
| Net loans and leases to total assets | 38.8470% | 6,092 |
| Net loans and leases to deposits | 47.2925% | 5,974 |
| Net loans and leases to core deposits | 48.3832% | 6,075 |
| Total domestic deposits to total assets | 82.1420% | 5,144 |
| Equity capital to assets | 12.5226% | 1,699 |
| Core capital (leverage) ratio | 11.6565% | 1,778 |
| Tier 1 risk-based capital ratio | 21.8249% | 1,367 |
| Total risk-based capital ratio | 23.0769% | 1,338 |
| Memoranda: |
| Average total assets | $76,990,000 | 5,437 |
| Average earning assets | $72,808,500 | 5,362 |
| Average equity | $9,901,000 | 5,008 |
| Average total loans | $31,767,500 | 5,805 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2277% | 4,484 |
| Cost of funding earning assets | 1.0924% | 935 |
| Net interest margin | 3.1353% | 5,731 |
| Noninterest income to average assets | 0.3028% | 5,287 |
| Noninterest expense to average assets | 2.0330% | 6,269 |
| Loan and lease loss provision to assets | 0.3744% | 1,748 |
| Net operating income to assets | 0.6935% | 3,769 |
| Return on assets (ROA) | 0.6935% | 4,032 |
| Pretax return on assets | 0.8516% | 4,097 |
| Return on Equity (ROE) | 5.2922% | 4,540 |
| Retained earnings to average equity (ytd only) | 3.4559% | 3,794 |
| Net charge-offs to loans | 0.8155% | 1,435 |
| Credit loss provision to net charge-offs | 98.5765% | 3,149 |
| Earnings coverage of net charge-offs (x) | 3.2278% | 3,819 |
| Efficiency ratio | 62.3808% | 5,184 |
| Assets per employee ($millions) | 5.3476% | 1,845 |
| Cash dividends to net income (ytd only)* | 34.6979% | 3,149 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8086% | 2,561 |
| Loan loss allowance to noncurrent loans | 50.0430% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 2.4350% | 2,010 |
| Noncurrent loans to loans | 3.6140% | 1,358 |
| Net loans and leases to total assets | 42.2055% | 5,986 |
| Net loans and leases to deposits | 53.4970% | 5,693 |
| Net loans and leases to core deposits | 54.9865% | 5,793 |
| Total domestic deposits to total assets | 78.8932% | 5,910 |
| Equity capital to assets | 13.2168% | 1,347 |
| Core capital (leverage) ratio | 12.3932% | 1,362 |
| Tier 1 risk-based capital ratio | 21.9918% | 1,263 |
| Total risk-based capital ratio | 23.2427% | 1,236 |
| Memoranda: |
| Average total assets | $73,977,600 | 5,515 |
| Average earning assets | $69,754,800 | 5,439 |
| Average equity | $9,693,600 | 5,054 |
| Average total loans | $34,456,800 | 5,741 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3169% | 4,388 |
| Cost of funding earning assets | 1.1338% | 931 |
| Net interest margin | 3.1831% | 5,741 |
| Noninterest income to average assets | 0.2567% | 5,724 |
| Noninterest expense to average assets | 2.0301% | 6,304 |
| Loan and lease loss provision to assets | 0.3905% | 1,647 |
| Net operating income to assets | 0.6490% | 4,144 |
| Return on assets (ROA) | 0.6490% | 4,407 |
| Pretax return on assets | 0.8406% | 4,334 |
| Return on Equity (ROE) | 4.9636% | 4,832 |
| Retained earnings to average equity (ytd only) | 3.4704% | 4,424 |
| Net charge-offs to loans | 1.0963% | 930 |
| Credit loss provision to net charge-offs | 75.0000% | 3,770 |
| Earnings coverage of net charge-offs (x) | 2.3646% | 4,094 |
| Efficiency ratio | 62.2506% | 5,115 |
| Assets per employee ($millions) | 5.2056% | 1,927 |
| Cash dividends to net income (ytd only)* | 30.0846% | 2,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5458% | 3,748 |
| Loan loss allowance to noncurrent loans | 35.7939% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 2.8101% | 1,873 |
| Noncurrent loans to loans | 4.3185% | 1,127 |
| Net loans and leases to total assets | 44.9210% | 5,882 |
| Net loans and leases to deposits | 59.4437% | 5,264 |
| Net loans and leases to core deposits | 60.8932% | 5,463 |
| Total domestic deposits to total assets | 75.5691% | 6,445 |
| Equity capital to assets | 13.5581% | 1,326 |
| Core capital (leverage) ratio | 12.1258% | 1,577 |
| Tier 1 risk-based capital ratio | 22.5478% | 1,244 |
| Total risk-based capital ratio | 23.7976% | 1,218 |
| Memoranda: |
| Average total assets | $73,755,250 | 5,581 |
| Average earning assets | $69,615,500 | 5,503 |
| Average equity | $9,643,250 | 5,115 |
| Average total loans | $35,026,000 | 5,796 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3349% | 4,434 |
| Cost of funding earning assets | 1.1789% | 899 |
| Net interest margin | 3.1561% | 5,853 |
| Noninterest income to average assets | 0.2485% | 5,801 |
| Noninterest expense to average assets | 2.0284% | 6,375 |
| Loan and lease loss provision to assets | 0.2431% | 2,634 |
| Net operating income to assets | 0.7374% | 3,665 |
| Return on assets (ROA) | 0.7374% | 3,937 |
| Pretax return on assets | 0.9561% | 3,866 |
| Return on Equity (ROE) | 5.7089% | 4,471 |
| Retained earnings to average equity (ytd only) | 4.2451% | 3,783 |
| Net charge-offs to loans | 0.6570% | 1,682 |
| Credit loss provision to net charge-offs | 76.9231% | 3,407 |
| Earnings coverage of net charge-offs (x) | 3.7949% | 3,264 |
| Efficiency ratio | 62.8452% | 5,109 |
| Assets per employee ($millions) | 5.3367% | 1,785 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,786 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6240% | 3,517 |
| Loan loss allowance to noncurrent loans | 27.0965% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 3.7610% | 1,379 |
| Noncurrent loans to loans | 5.9934% | 733 |
| Net loans and leases to total assets | 45.3222% | 5,893 |
| Net loans and leases to deposits | 57.4341% | 5,514 |
| Net loans and leases to core deposits | 59.6130% | 5,629 |
| Total domestic deposits to total assets | 78.9116% | 5,975 |
| Equity capital to assets | 13.0765% | 1,477 |
| Core capital (leverage) ratio | 12.0856% | 1,564 |
| Tier 1 risk-based capital ratio | 21.3268% | 1,419 |
| Total risk-based capital ratio | 22.5788% | 1,395 |
| Memoranda: |
| Average total assets | $74,047,330 | 5,604 |
| Average earning assets | $69,897,000 | 5,524 |
| Average equity | $9,564,000 | 5,141 |
| Average total loans | $35,617,330 | 5,805 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4601% | 4,068 |
| Cost of funding earning assets | 1.2143% | 925 |
| Net interest margin | 3.2458% | 5,635 |
| Noninterest income to average assets | 0.2659% | 5,745 |
| Noninterest expense to average assets | 1.9861% | 6,486 |
| Loan and lease loss provision to assets | 0.3256% | 1,923 |
| Net operating income to assets | 0.7868% | 3,438 |
| Return on assets (ROA) | 0.7868% | 3,678 |
| Pretax return on assets | 1.0147% | 3,628 |
| Return on Equity (ROE) | 6.1304% | 4,226 |
| Retained earnings to average equity (ytd only) | 4.1010% | 4,133 |
| Net charge-offs to loans | -0.0552% | 6,568 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7064% | 5,662 |
| Assets per employee ($millions) | 5.3677% | 1,818 |
| Cash dividends to net income (ytd only)* | 33.1034% | 1,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8733% | 2,760 |
| Loan loss allowance to noncurrent loans | 23.2583% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 3.8484% | 1,451 |
| Noncurrent loans to loans | 8.0544% | 480 |
| Net loans and leases to total assets | 45.3771% | 5,860 |
| Net loans and leases to deposits | 58.4595% | 5,330 |
| Net loans and leases to core deposits | 60.5189% | 5,483 |
| Total domestic deposits to total assets | 77.6215% | 6,319 |
| Equity capital to assets | 12.6284% | 1,645 |
| Core capital (leverage) ratio | 11.9093% | 1,642 |
| Tier 1 risk-based capital ratio | 21.7617% | 1,324 |
| Total risk-based capital ratio | 23.0154% | 1,298 |
| Memoranda: |
| Average total assets | $73,714,000 | 5,657 |
| Average earning assets | $69,504,500 | 5,577 |
| Average equity | $9,461,000 | 5,181 |
| Average total loans | $36,215,500 | 5,814 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7788% | 3,908 |
| Cost of funding earning assets | 1.4575% | 844 |
| Net interest margin | 3.3213% | 5,751 |
| Noninterest income to average assets | 0.2877% | 5,476 |
| Noninterest expense to average assets | 2.3016% | 6,033 |
| Loan and lease loss provision to assets | 0.4457% | 2,371 |
| Net operating income to assets | 0.6187% | 3,894 |
| Return on assets (ROA) | 0.6551% | 3,914 |
| Pretax return on assets | 0.7037% | 4,314 |
| Return on Equity (ROE) | 5.2989% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.0868% | 4,728 |
| Net charge-offs to loans | 1.8037% | 815 |
| Credit loss provision to net charge-offs | 47.7569% | 5,475 |
| Earnings coverage of net charge-offs (x) | 1.1896% | 4,894 |
| Efficiency ratio | 67.4584% | 4,476 |
| Assets per employee ($millions) | 4.8187% | 2,426 |
| Cash dividends to net income (ytd only)* | 60.6186% | 1,536 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5552% | 3,776 |
| Loan loss allowance to noncurrent loans | 24.9893% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 3.3730% | 1,756 |
| Noncurrent loans to loans | 6.2235% | 781 |
| Net loans and leases to total assets | 51.3199% | 5,418 |
| Net loans and leases to deposits | 67.6441% | 4,493 |
| Net loans and leases to core deposits | 70.1833% | 4,754 |
| Total domestic deposits to total assets | 75.8675% | 6,502 |
| Equity capital to assets | 13.0493% | 1,461 |
| Core capital (leverage) ratio | 12.2180% | 1,483 |
| Tier 1 risk-based capital ratio | 19.9900% | 1,646 |
| Total risk-based capital ratio | 21.2407% | 1,616 |
| Memoranda: |
| Average total assets | $74,035,000 | 5,643 |
| Average earning assets | $69,641,400 | 5,550 |
| Average equity | $9,152,800 | 5,238 |
| Average total loans | $38,310,000 | 5,766 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7650% | 4,168 |
| Cost of funding earning assets | 1.4881% | 904 |
| Net interest margin | 3.2769% | 5,924 |
| Noninterest income to average assets | 0.2668% | 5,707 |
| Noninterest expense to average assets | 2.2952% | 6,054 |
| Loan and lease loss provision to assets | 0.1611% | 4,453 |
| Net operating income to assets | 0.5927% | 4,119 |
| Return on assets (ROA) | 0.6033% | 4,248 |
| Pretax return on assets | 0.9095% | 3,725 |
| Return on Equity (ROE) | 4.9468% | 4,556 |
| Retained earnings to average equity (ytd only) | 1.6441% | 5,314 |
| Net charge-offs to loans | 0.7695% | 2,027 |
| Credit loss provision to net charge-offs | 40.5405% | 5,227 |
| Earnings coverage of net charge-offs (x) | 2.6532% | 3,793 |
| Efficiency ratio | 68.5195% | 4,214 |
| Assets per employee ($millions) | 5.1838% | 1,949 |
| Cash dividends to net income (ytd only)* | 66.7653% | 975 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2045% | 1,849 |
| Loan loss allowance to noncurrent loans | 24.4158% | 6,517 |
| Noncurrent assets plus other real estate owned to assets | 5.1066% | 1,124 |
| Noncurrent loans to loans | 9.0289% | 429 |
| Net loans and leases to total assets | 49.8188% | 5,725 |
| Net loans and leases to deposits | 66.9351% | 4,766 |
| Net loans and leases to core deposits | 69.7798% | 4,973 |
| Total domestic deposits to total assets | 74.4285% | 6,710 |
| Equity capital to assets | 13.0159% | 1,609 |
| Core capital (leverage) ratio | 11.8314% | 1,807 |
| Tier 1 risk-based capital ratio | 20.3128% | 1,614 |
| Total risk-based capital ratio | 21.5719% | 1,580 |
| Memoranda: |
| Average total assets | $74,473,750 | 5,662 |
| Average earning assets | $70,064,750 | 5,581 |
| Average equity | $9,083,000 | 5,283 |
| Average total loans | $38,467,500 | 5,816 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7448% | 4,328 |
| Cost of funding earning assets | 1.5118% | 968 |
| Net interest margin | 3.2330% | 6,051 |
| Noninterest income to average assets | 0.4181% | 4,530 |
| Noninterest expense to average assets | 2.2688% | 6,201 |
| Loan and lease loss provision to assets | 0.2397% | 3,519 |
| Net operating income to assets | 0.6631% | 3,725 |
| Return on assets (ROA) | 0.6817% | 3,759 |
| Pretax return on assets | 0.9773% | 3,327 |
| Return on Equity (ROE) | 5.7130% | 4,107 |
| Retained earnings to average equity (ytd only) | 2.1870% | 4,897 |
| Net charge-offs to loans | 0.0257% | 5,465 |
| Credit loss provision to net charge-offs | 1,800.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 89.4000% | 400 |
| Efficiency ratio | 65.5889% | 4,957 |
| Assets per employee ($millions) | 4.9137% | 2,240 |
| Cash dividends to net income (ytd only)* | 61.7188% | 1,297 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6872% | 1,191 |
| Loan loss allowance to noncurrent loans | 26.5705% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 5.9955% | 938 |
| Noncurrent loans to loans | 10.1135% | 376 |
| Net loans and leases to total assets | 50.7048% | 5,730 |
| Net loans and leases to deposits | 67.3345% | 4,810 |
| Net loans and leases to core deposits | 70.1137% | 5,062 |
| Total domestic deposits to total assets | 75.3029% | 6,693 |
| Equity capital to assets | 12.4144% | 1,836 |
| Core capital (leverage) ratio | 11.7840% | 1,730 |
| Tier 1 risk-based capital ratio | 18.8623% | 1,886 |
| Total risk-based capital ratio | 20.1242% | 1,852 |
| Memoranda: |
| Average total assets | $75,107,330 | 5,686 |
| Average earning assets | $70,646,330 | 5,615 |
| Average equity | $8,962,000 | 5,338 |
| Average total loans | $38,966,670 | 5,845 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7637% | 4,239 |
| Cost of funding earning assets | 1.5804% | 874 |
| Net interest margin | 3.1833% | 6,119 |
| Noninterest income to average assets | 0.5065% | 3,832 |
| Noninterest expense to average assets | 2.3691% | 5,988 |
| Loan and lease loss provision to assets | 0.2374% | 3,290 |
| Net operating income to assets | 0.7314% | 3,370 |
| Return on assets (ROA) | 0.7704% | 3,242 |
| Pretax return on assets | 0.9339% | 3,385 |
| Return on Equity (ROE) | 6.5855% | 3,589 |
| Retained earnings to average equity (ytd only) | 3.0672% | 4,325 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8248% | 4,688 |
| Assets per employee ($millions) | 4.6505% | 2,657 |
| Cash dividends to net income (ytd only)* | 53.4247% | 1,396 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5886% | 1,328 |
| Loan loss allowance to noncurrent loans | 36.7953% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 4.7414% | 1,339 |
| Noncurrent loans to loans | 7.0351% | 780 |
| Net loans and leases to total assets | 50.1693% | 5,828 |
| Net loans and leases to deposits | 66.0989% | 4,961 |
| Net loans and leases to core deposits | 68.7768% | 5,194 |
| Total domestic deposits to total assets | 75.9004% | 6,683 |
| Equity capital to assets | 11.9853% | 1,924 |
| Core capital (leverage) ratio | 11.3984% | 1,912 |
| Tier 1 risk-based capital ratio | 19.1349% | 1,764 |
| Total risk-based capital ratio | 20.3975% | 1,730 |
| Memoranda: |
| Average total assets | $75,808,500 | 5,704 |
| Average earning assets | $71,121,500 | 5,628 |
| Average equity | $8,868,000 | 5,368 |
| Average total loans | $39,248,000 | 5,882 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0423% | 4,356 |
| Cost of funding earning assets | 1.8064% | 1,143 |
| Net interest margin | 3.2359% | 6,175 |
| Noninterest income to average assets | 0.2804% | 5,771 |
| Noninterest expense to average assets | 2.2496% | 6,482 |
| Loan and lease loss provision to assets | 0.1761% | 5,470 |
| Net operating income to assets | 0.7747% | 2,903 |
| Return on assets (ROA) | 0.7747% | 3,032 |
| Pretax return on assets | 0.8777% | 3,385 |
| Return on Equity (ROE) | 6.7390% | 3,245 |
| Retained earnings to average equity (ytd only) | 3.5056% | 3,409 |
| Net charge-offs to loans | 0.4741% | 3,720 |
| Credit loss provision to net charge-offs | 65.8537% | 5,962 |
| Earnings coverage of net charge-offs (x) | 3.9415% | 3,127 |
| Efficiency ratio | 68.1011% | 4,543 |
| Assets per employee ($millions) | 4.8256% | 2,393 |
| Cash dividends to net income (ytd only)* | 47.9798% | 2,187 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3572% | 1,609 |
| Loan loss allowance to noncurrent loans | 34.1384% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 5.0784% | 1,252 |
| Noncurrent loans to loans | 6.9050% | 826 |
| Net loans and leases to total assets | 50.8063% | 6,070 |
| Net loans and leases to deposits | 68.6892% | 5,006 |
| Net loans and leases to core deposits | 71.4348% | 5,278 |
| Total domestic deposits to total assets | 73.9655% | 6,901 |
| Equity capital to assets | 11.4209% | 2,329 |
| Core capital (leverage) ratio | 11.4541% | 1,856 |
| Tier 1 risk-based capital ratio | 18.2535% | 1,922 |
| Total risk-based capital ratio | 19.5119% | 1,878 |
| Memoranda: |
| Average total assets | $76,679,600 | 5,689 |
| Average earning assets | $71,633,800 | 5,614 |
| Average equity | $8,814,400 | 5,470 |
| Average total loans | $43,244,000 | 5,780 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1026% | 4,299 |
| Cost of funding earning assets | 1.8426% | 1,247 |
| Net interest margin | 3.2600% | 6,146 |
| Noninterest income to average assets | 0.2561% | 6,066 |
| Noninterest expense to average assets | 2.2713% | 6,404 |
| Loan and lease loss provision to assets | 0.1829% | 5,217 |
| Net operating income to assets | 0.7228% | 3,310 |
| Return on assets (ROA) | 0.7228% | 3,464 |
| Pretax return on assets | 0.8465% | 3,747 |
| Return on Equity (ROE) | 6.2781% | 3,682 |
| Retained earnings to average equity (ytd only) | 2.9802% | 4,350 |
| Net charge-offs to loans | 0.5635% | 3,063 |
| Credit loss provision to net charge-offs | 56.4516% | 5,777 |
| Earnings coverage of net charge-offs (x) | 3.1775% | 3,553 |
| Efficiency ratio | 68.8127% | 4,308 |
| Assets per employee ($millions) | 4.7203% | 2,565 |
| Cash dividends to net income (ytd only)* | 52.5302% | 1,538 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2030% | 1,800 |
| Loan loss allowance to noncurrent loans | 38.7097% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 4.0848% | 1,698 |
| Noncurrent loans to loans | 5.6910% | 1,151 |
| Net loans and leases to total assets | 55.0183% | 5,697 |
| Net loans and leases to deposits | 75.5738% | 4,251 |
| Net loans and leases to core deposits | 78.7536% | 4,706 |
| Total domestic deposits to total assets | 72.8007% | 7,053 |
| Equity capital to assets | 11.9631% | 2,179 |
| Core capital (leverage) ratio | 11.2876% | 2,073 |
| Tier 1 risk-based capital ratio | 18.1194% | 1,994 |
| Total risk-based capital ratio | 19.3787% | 1,948 |
| Memoranda: |
| Average total assets | $76,547,250 | 5,753 |
| Average earning assets | $71,491,000 | 5,684 |
| Average equity | $8,813,500 | 5,550 |
| Average total loans | $44,011,500 | 5,828 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0873% | 4,518 |
| Cost of funding earning assets | 1.8649% | 1,356 |
| Net interest margin | 3.2224% | 6,250 |
| Noninterest income to average assets | 0.2549% | 6,086 |
| Noninterest expense to average assets | 2.2084% | 6,624 |
| Loan and lease loss provision to assets | 0.2211% | 4,684 |
| Net operating income to assets | 0.7465% | 3,209 |
| Return on assets (ROA) | 0.7465% | 3,359 |
| Pretax return on assets | 0.8324% | 3,769 |
| Return on Equity (ROE) | 6.5678% | 3,521 |
| Retained earnings to average equity (ytd only) | 2.9521% | 4,248 |
| Net charge-offs to loans | 0.8491% | 2,132 |
| Credit loss provision to net charge-offs | 44.9735% | 5,521 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 3,948 |
| Efficiency ratio | 67.7033% | 4,629 |
| Assets per employee ($millions) | 4.7735% | 2,478 |
| Cash dividends to net income (ytd only)* | 55.0523% | 1,484 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0691% | 2,036 |
| Loan loss allowance to noncurrent loans | 45.0864% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 3.7224% | 1,877 |
| Noncurrent loans to loans | 4.5892% | 1,574 |
| Net loans and leases to total assets | 56.5780% | 5,611 |
| Net loans and leases to deposits | 78.5287% | 3,880 |
| Net loans and leases to core deposits | 81.8254% | 4,441 |
| Total domestic deposits to total assets | 72.0475% | 7,178 |
| Equity capital to assets | 11.5743% | 2,381 |
| Core capital (leverage) ratio | 11.1358% | 2,143 |
| Tier 1 risk-based capital ratio | 17.4861% | 2,104 |
| Total risk-based capital ratio | 18.7443% | 2,067 |
| Memoranda: |
| Average total assets | $76,888,330 | 5,776 |
| Average earning assets | $71,746,670 | 5,713 |
| Average equity | $8,739,670 | 5,576 |
| Average total loans | $44,519,330 | 5,837 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0578% | 4,745 |
| Cost of funding earning assets | 1.8925% | 1,482 |
| Net interest margin | 3.1653% | 6,402 |
| Noninterest income to average assets | 0.2437% | 6,208 |
| Noninterest expense to average assets | 2.2037% | 6,680 |
| Loan and lease loss provision to assets | 0.0778% | 5,860 |
| Net operating income to assets | 0.7985% | 2,966 |
| Return on assets (ROA) | 0.7985% | 3,074 |
| Pretax return on assets | 0.9022% | 3,464 |
| Return on Equity (ROE) | 7.0890% | 3,300 |
| Retained earnings to average equity (ytd only) | 3.0842% | 4,287 |
| Net charge-offs to loans | -0.0626% | 7,409 |
| Credit loss provision to net charge-offs | -214.2857% | 6,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2182% | 4,467 |
| Assets per employee ($millions) | 4.7403% | 2,582 |
| Cash dividends to net income (ytd only)* | 56.4935% | 1,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3475% | 1,500 |
| Loan loss allowance to noncurrent loans | 45.7105% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 4.1480% | 1,642 |
| Noncurrent loans to loans | 5.1357% | 1,401 |
| Net loans and leases to total assets | 56.9854% | 5,610 |
| Net loans and leases to deposits | 79.2926% | 3,784 |
| Net loans and leases to core deposits | 83.2066% | 4,309 |
| Total domestic deposits to total assets | 71.8673% | 7,275 |
| Equity capital to assets | 11.5329% | 2,334 |
| Core capital (leverage) ratio | 10.8407% | 2,344 |
| Tier 1 risk-based capital ratio | 16.8288% | 2,331 |
| Total risk-based capital ratio | 18.0888% | 2,280 |
| Memoranda: |
| Average total assets | $77,144,500 | 5,847 |
| Average earning assets | $71,651,500 | 5,790 |
| Average equity | $8,689,500 | 5,635 |
| Average total loans | $44,716,500 | 5,902 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4944% | 4,172 |
| Cost of funding earning assets | 2.0501% | 2,724 |
| Net interest margin | 3.4442% | 5,198 |
| Noninterest income to average assets | 0.2253% | 6,499 |
| Noninterest expense to average assets | 2.2222% | 6,935 |
| Loan and lease loss provision to assets | 1.6617% | 1,378 |
| Net operating income to assets | -0.0412% | 5,566 |
| Return on assets (ROA) | -0.0345% | 5,587 |
| Pretax return on assets | -0.4201% | 5,937 |
| Return on Equity (ROE) | -0.3036% | 5,586 |
| Retained earnings to average equity (ytd only) | -2.9188% | 5,685 |
| Net charge-offs to loans | 2.6196% | 863 |
| Credit loss provision to net charge-offs | 102.4510% | 5,393 |
| Earnings coverage of net charge-offs (x) | 0.7590% | 5,344 |
| Efficiency ratio | 64.3515% | 5,705 |
| Assets per employee ($millions) | 4.9028% | 2,336 |
| Cash dividends to net income (ytd only)* | -861.5385% | 7,996 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2513% | 1,563 |
| Loan loss allowance to noncurrent loans | 516.2437% | 646 |
| Noncurrent assets plus other real estate owned to assets | 1.4061% | 4,308 |
| Noncurrent loans to loans | 0.4361% | 6,396 |
| Net loans and leases to total assets | 56.2904% | 5,911 |
| Net loans and leases to deposits | 76.4849% | 4,657 |
| Net loans and leases to core deposits | 92.6675% | 4,816 |
| Total domestic deposits to total assets | 73.5968% | 7,069 |
| Equity capital to assets | 11.0039% | 2,702 |
| Core capital (leverage) ratio | 10.9836% | 2,233 |
| Tier 1 risk-based capital ratio | 16.3727% | 2,364 |
| Total risk-based capital ratio | 17.6321% | 2,313 |
| Memoranda: |
| Average total assets | $75,465,600 | 5,854 |
| Average earning assets | $70,726,800 | 5,790 |
| Average equity | $8,565,200 | 5,747 |
| Average total loans | $46,723,800 | 5,813 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5333% | 4,253 |
| Cost of funding earning assets | 2.0563% | 3,088 |
| Net interest margin | 3.4770% | 4,963 |
| Noninterest income to average assets | 0.3248% | 5,884 |
| Noninterest expense to average assets | 2.1609% | 7,076 |
| Loan and lease loss provision to assets | 0.7477% | 2,498 |
| Net operating income to assets | 0.7155% | 3,153 |
| Return on assets (ROA) | 0.7298% | 3,164 |
| Pretax return on assets | 0.7013% | 3,852 |
| Return on Equity (ROE) | 6.3791% | 3,361 |
| Retained earnings to average equity (ytd only) | 3.5405% | 3,312 |
| Net charge-offs to loans | 1.8226% | 1,106 |
| Credit loss provision to net charge-offs | 65.0621% | 6,077 |
| Earnings coverage of net charge-offs (x) | 1.2484% | 4,838 |
| Efficiency ratio | 60.0993% | 6,401 |
| Assets per employee ($millions) | 4.9202% | 2,243 |
| Cash dividends to net income (ytd only)* | 44.4986% | 2,251 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6308% | 2,874 |
| Loan loss allowance to noncurrent loans | 59.7647% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 3.1923% | 2,125 |
| Noncurrent loans to loans | 2.7287% | 2,779 |
| Net loans and leases to total assets | 62.2793% | 5,193 |
| Net loans and leases to deposits | 87.9122% | 2,977 |
| Net loans and leases to core deposits | 109.9354% | 3,247 |
| Total domestic deposits to total assets | 70.8426% | 7,345 |
| Equity capital to assets | 12.4819% | 1,970 |
| Core capital (leverage) ratio | 11.9289% | 1,836 |
| Tier 1 risk-based capital ratio | 17.2500% | 2,204 |
| Total risk-based capital ratio | 18.5030% | 2,146 |
| Memoranda: |
| Average total assets | $74,720,750 | 5,917 |
| Average earning assets | $70,287,750 | 5,832 |
| Average equity | $8,548,500 | 5,805 |
| Average total loans | $47,111,250 | 5,844 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5337% | 4,422 |
| Cost of funding earning assets | 2.0284% | 3,634 |
| Net interest margin | 3.5052% | 4,772 |
| Noninterest income to average assets | 0.3092% | 6,037 |
| Noninterest expense to average assets | 2.1699% | 7,122 |
| Loan and lease loss provision to assets | 0.8797% | 1,915 |
| Net operating income to assets | 0.6558% | 3,445 |
| Return on assets (ROA) | 0.6558% | 3,554 |
| Pretax return on assets | 0.5625% | 4,435 |
| Return on Equity (ROE) | 5.9083% | 3,695 |
| Retained earnings to average equity (ytd only) | 3.5546% | 3,323 |
| Net charge-offs to loans | 2.7054% | 623 |
| Credit loss provision to net charge-offs | 51.6432% | 5,745 |
| Earnings coverage of net charge-offs (x) | 0.8466% | 4,905 |
| Efficiency ratio | 60.0738% | 6,540 |
| Assets per employee ($millions) | 5.6284% | 1,475 |
| Cash dividends to net income (ytd only)* | 39.8374% | 2,440 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4727% | 3,337 |
| Loan loss allowance to noncurrent loans | 47.0180% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 2.8742% | 2,228 |
| Noncurrent loans to loans | 3.1321% | 2,280 |
| Net loans and leases to total assets | 61.9948% | 5,357 |
| Net loans and leases to deposits | 83.5963% | 3,955 |
| Net loans and leases to core deposits | 108.2214% | 3,583 |
| Total domestic deposits to total assets | 74.1598% | 6,931 |
| Equity capital to assets | 12.2415% | 2,063 |
| Core capital (leverage) ratio | 11.7411% | 1,956 |
| Tier 1 risk-based capital ratio | 17.3248% | 2,203 |
| Total risk-based capital ratio | 18.5768% | 2,144 |
| Memoranda: |
| Average total assets | $75,026,670 | 5,946 |
| Average earning assets | $70,694,670 | 5,861 |
| Average equity | $8,327,330 | 5,910 |
| Average total loans | $47,239,670 | 5,876 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5499% | 4,641 |
| Cost of funding earning assets | 2.0791% | 3,742 |
| Net interest margin | 3.4708% | 4,849 |
| Noninterest income to average assets | 0.2686% | 6,294 |
| Noninterest expense to average assets | 2.3066% | 6,518 |
| Loan and lease loss provision to assets | 0.8953% | 1,462 |
| Net operating income to assets | 0.3107% | 5,260 |
| Return on assets (ROA) | 0.3107% | 5,433 |
| Pretax return on assets | 0.3370% | 5,568 |
| Return on Equity (ROE) | 2.9454% | 5,395 |
| Retained earnings to average equity (ytd only) | 0.1498% | 5,602 |
| Net charge-offs to loans | 3.2191% | 391 |
| Credit loss provision to net charge-offs | 44.1558% | 4,761 |
| Earnings coverage of net charge-offs (x) | 0.6078% | 4,510 |
| Efficiency ratio | 65.1786% | 5,472 |
| Assets per employee ($millions) | 5.3951% | 1,651 |
| Cash dividends to net income (ytd only)* | 94.9153% | 831 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6619% | 2,263 |
| Loan loss allowance to noncurrent loans | 36.4750% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 3.5376% | 1,515 |
| Noncurrent loans to loans | 4.5563% | 1,258 |
| Net loans and leases to total assets | 60.6360% | 5,556 |
| Net loans and leases to deposits | 81.7693% | 4,323 |
| Net loans and leases to core deposits | 105.9892% | 3,918 |
| Total domestic deposits to total assets | 74.1550% | 6,860 |
| Equity capital to assets | 10.5811% | 3,384 |
| Core capital (leverage) ratio | 10.1401% | 3,251 |
| Tier 1 risk-based capital ratio | 14.6270% | 3,241 |
| Total risk-based capital ratio | 15.8807% | 3,171 |
| Memoranda: |
| Average total assets | $75,955,500 | 5,946 |
| Average earning assets | $71,568,500 | 5,860 |
| Average equity | $8,012,500 | 6,060 |
| Average total loans | $47,840,000 | 5,878 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1950% | 4,541 |
| Cost of funding earning assets | 2.8406% | 2,523 |
| Net interest margin | 3.3545% | 5,852 |
| Noninterest income to average assets | 0.3484% | 5,950 |
| Noninterest expense to average assets | 2.1991% | 6,965 |
| Loan and lease loss provision to assets | 0.5992% | 2,429 |
| Net operating income to assets | 0.6646% | 4,045 |
| Return on assets (ROA) | 0.6620% | 3,905 |
| Pretax return on assets | 0.7038% | 4,389 |
| Return on Equity (ROE) | 6.0562% | 3,922 |
| Retained earnings to average equity (ytd only) | 2.1547% | 3,887 |
| Net charge-offs to loans | 0.2720% | 3,595 |
| Credit loss provision to net charge-offs | 346.7742% | 1,300 |
| Earnings coverage of net charge-offs (x) | 7.5565% | 3,078 |
| Efficiency ratio | 62.7435% | 5,823 |
| Assets per employee ($millions) | 5.4557% | 1,492 |
| Cash dividends to net income (ytd only)* | 64.4211% | 2,452 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0099% | 1,202 |
| Loan loss allowance to noncurrent loans | 32.0351% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 4.4671% | 848 |
| Noncurrent loans to loans | 6.2741% | 530 |
| Net loans and leases to total assets | 63.0008% | 5,452 |
| Net loans and leases to deposits | 84.4818% | 4,338 |
| Net loans and leases to core deposits | 108.8466% | 3,876 |
| Total domestic deposits to total assets | 74.5732% | 6,541 |
| Equity capital to assets | 10.5172% | 3,482 |
| Core capital (leverage) ratio | 10.4308% | 3,038 |
| Tier 1 risk-based capital ratio | 14.1714% | 3,466 |
| Total risk-based capital ratio | 15.4287% | 3,384 |
| Memoranda: |
| Average total assets | $71,757,600 | 5,976 |
| Average earning assets | $67,522,000 | 5,908 |
| Average equity | $7,843,200 | 6,152 |
| Average total loans | $45,592,200 | 5,900 |
