| 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 | 3.4182% | 4,427 |
| Cost of funding earning assets | 0.7884% | 3,774 |
| Net interest margin | 2.6298% | 3,933 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.4909% | 2,324 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.2227% | 4,133 |
| Return on assets (ROA) | 0.2227% | 4,146 |
| Pretax return on assets | 0.2603% | 4,130 |
| Return on Equity (ROE) | 4.4800% | 3,819 |
| Retained earnings to average equity (ytd only) | 2.6108% | 3,406 |
| Net charge-offs to loans | 0.0045% | 2,561 |
| Credit loss provision to net charge-offs | 600.0000% | 588 |
| Earnings coverage of net charge-offs (x) | 109.7500% | 858 |
| Efficiency ratio | 90.0454% | 410 |
| Assets per employee ($millions) | 6.0159% | 2,808 |
| Cash dividends to net income (ytd only)* | 41.6901% | 2,014 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9951% | 3,344 |
| Loan loss allowance to noncurrent loans | 2,709.0909% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 3,595 |
| Noncurrent loans to loans | 0.0367% | 3,472 |
| Net loans and leases to total assets | 54.7600% | 3,292 |
| Net loans and leases to deposits | 58.2953% | 3,618 |
| Net loans and leases to core deposits | 59.8458% | 3,769 |
| Total domestic deposits to total assets | 93.9400% | 110 |
| Equity capital to assets | 5.4381% | 4,350 |
| Core capital (leverage) ratio | 9.6730% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $159,419,800 | 3,275 |
| Average earning assets | $149,291,200 | 3,254 |
| Average equity | $7,928,600 | 3,936 |
| Average total loans | $88,509,200 | 3,307 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3528% | 4,432 |
| Cost of funding earning assets | 0.7042% | 3,756 |
| Net interest margin | 2.6486% | 3,949 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.5470% | 2,095 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.1924% | 4,235 |
| Return on assets (ROA) | 0.1924% | 4,254 |
| Pretax return on assets | 0.2210% | 4,233 |
| Return on Equity (ROE) | 3.9600% | 3,988 |
| Retained earnings to average equity (ytd only) | 2.8908% | 3,537 |
| Net charge-offs to loans | -0.0015% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.5157% | 332 |
| Assets per employee ($millions) | 5.7074% | 3,014 |
| Cash dividends to net income (ytd only)* | 27.0742% | 2,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9987% | 3,378 |
| Loan loss allowance to noncurrent loans | 2,289.7436% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,568 |
| Noncurrent loans to loans | 0.0436% | 3,448 |
| Net loans and leases to total assets | 55.3900% | 3,259 |
| Net loans and leases to deposits | 58.2279% | 3,597 |
| Net loans and leases to core deposits | 58.7301% | 3,754 |
| Total domestic deposits to total assets | 95.1300% | 115 |
| Equity capital to assets | 4.2144% | 4,381 |
| Core capital (leverage) ratio | 9.6062% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $158,667,500 | 3,301 |
| Average earning assets | $148,449,500 | 3,274 |
| Average equity | $7,702,500 | 3,967 |
| Average total loans | $88,176,250 | 3,314 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2554% | 4,479 |
| Cost of funding earning assets | 0.6033% | 3,741 |
| Net interest margin | 2.6521% | 4,036 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.5359% | 2,106 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.1958% | 4,281 |
| Return on assets (ROA) | 0.1958% | 4,303 |
| Pretax return on assets | 0.2312% | 4,284 |
| Return on Equity (ROE) | 3.8600% | 4,042 |
| Retained earnings to average equity (ytd only) | 2.3178% | 3,644 |
| Net charge-offs to loans | -0.0023% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.1444% | 323 |
| Assets per employee ($millions) | 6.1357% | 2,588 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,692 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9989% | 3,426 |
| 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 | 55.1100% | 3,181 |
| Net loans and leases to deposits | 58.3831% | 3,520 |
| Net loans and leases to core deposits | 58.8880% | 3,684 |
| Total domestic deposits to total assets | 94.3900% | 130 |
| Equity capital to assets | 4.9747% | 4,383 |
| Core capital (leverage) ratio | 9.6238% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $158,287,333 | 3,312 |
| Average earning assets | $148,186,333 | 3,291 |
| Average equity | $8,025,000 | 3,951 |
| Average total loans | $87,763,667 | 3,324 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1891% | 4,498 |
| Cost of funding earning assets | 0.4660% | 3,789 |
| Net interest margin | 2.7231% | 4,043 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.5319% | 2,161 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.2436% | 4,316 |
| Return on assets (ROA) | 0.2436% | 4,280 |
| Pretax return on assets | 0.2867% | 4,273 |
| Return on Equity (ROE) | 4.7600% | 3,921 |
| Retained earnings to average equity (ytd only) | 4.7587% | 3,070 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.3465% | 376 |
| Assets per employee ($millions) | 6.3164% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0080% | 3,483 |
| Loan loss allowance to noncurrent loans | 807.3394% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 3,111 |
| Noncurrent loans to loans | 0.1249% | 2,891 |
| Net loans and leases to total assets | 54.7300% | 3,146 |
| Net loans and leases to deposits | 58.2484% | 3,438 |
| Net loans and leases to core deposits | 58.5578% | 3,608 |
| Total domestic deposits to total assets | 93.9600% | 174 |
| Equity capital to assets | 5.4316% | 4,355 |
| Core capital (leverage) ratio | 9.7964% | 2,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $157,667,000 | 3,356 |
| Average earning assets | $147,627,000 | 3,338 |
| Average equity | $8,069,500 | 3,993 |
| Average total loans | $87,248,000 | 3,364 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7387% | 4,376 |
| Cost of funding earning assets | 0.3133% | 2,771 |
| Net interest margin | 2.4254% | 4,346 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.1535% | 3,147 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.3236% | 4,345 |
| Return on assets (ROA) | 0.3236% | 4,314 |
| Pretax return on assets | 0.3903% | 4,286 |
| Return on Equity (ROE) | 5.6500% | 3,894 |
| Retained earnings to average equity (ytd only) | 4.1104% | 3,363 |
| Net charge-offs to loans | 0.0127% | 1,907 |
| Credit loss provision to net charge-offs | 218.1818% | 1,064 |
| Earnings coverage of net charge-offs (x) | 61.8182% | 1,233 |
| Efficiency ratio | 84.1860% | 487 |
| Assets per employee ($millions) | 6.8446% | 2,086 |
| Cash dividends to net income (ytd only)* | 27.2059% | 2,562 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0024% | 3,369 |
| Loan loss allowance to noncurrent loans | 929.7872% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,210 |
| Noncurrent loans to loans | 0.1078% | 2,994 |
| Net loans and leases to total assets | 54.8300% | 3,132 |
| Net loans and leases to deposits | 57.9671% | 3,464 |
| Net loans and leases to core deposits | 58.4788% | 3,589 |
| Total domestic deposits to total assets | 94.5900% | 187 |
| Equity capital to assets | 4.8036% | 4,413 |
| Core capital (leverage) ratio | 9.3273% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $168,094,800 | 3,281 |
| Average earning assets | $157,373,000 | 3,263 |
| Average equity | $9,634,200 | 3,912 |
| Average total loans | $86,381,000 | 3,329 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6055% | 4,385 |
| Cost of funding earning assets | 0.3203% | 1,958 |
| Net interest margin | 2.2852% | 4,413 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.1526% | 3,068 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.2241% | 4,455 |
| Return on assets (ROA) | 0.2241% | 4,421 |
| Pretax return on assets | 0.2623% | 4,411 |
| Return on Equity (ROE) | 3.7700% | 4,188 |
| Retained earnings to average equity (ytd only) | 2.9549% | 3,782 |
| Net charge-offs to loans | 0.0031% | 2,120 |
| Credit loss provision to net charge-offs | 900.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 672 |
| Efficiency ratio | 88.6210% | 365 |
| Assets per employee ($millions) | 7.7203% | 1,469 |
| Cash dividends to net income (ytd only)* | 21.6028% | 2,410 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0130% | 3,410 |
| Loan loss allowance to noncurrent loans | 4,615.7895% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 3,863 |
| Noncurrent loans to loans | 0.0219% | 3,747 |
| Net loans and leases to total assets | 50.4600% | 3,423 |
| Net loans and leases to deposits | 52.9864% | 3,667 |
| Net loans and leases to core deposits | 53.3330% | 3,789 |
| Total domestic deposits to total assets | 95.2200% | 195 |
| Equity capital to assets | 4.1443% | 4,461 |
| Core capital (leverage) ratio | 8.8097% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1582% | 629 |
| Memoranda: |
| Average total assets | $170,762,250 | 3,291 |
| Average earning assets | $159,865,750 | 3,268 |
| Average equity | $10,152,250 | 3,900 |
| Average total loans | $86,177,750 | 3,339 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5129% | 4,362 |
| Cost of funding earning assets | 0.3351% | 1,397 |
| Net interest margin | 2.1778% | 4,464 |
| Noninterest income to average assets | 0.2736% | 3,527 |
| Noninterest expense to average assets | 2.1500% | 2,999 |
| Loan and lease loss provision to assets | 0.0140% | 2,344 |
| Net operating income to assets | 0.1321% | 4,487 |
| Return on assets (ROA) | 0.1321% | 4,453 |
| Pretax return on assets | 0.1461% | 4,454 |
| Return on Equity (ROE) | 2.0197% | 4,352 |
| Retained earnings to average equity (ytd only) | 0.9115% | 4,013 |
| Net charge-offs to loans | 0.0046% | 1,852 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 1,013 |
| Efficiency ratio | 93.0668% | 320 |
| Assets per employee ($millions) | 7.0041% | 1,937 |
| Cash dividends to net income (ytd only)* | 54.8673% | 1,204 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0080% | 3,560 |
| Loan loss allowance to noncurrent loans | 10,887.5000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,819 |
| Noncurrent loans to loans | 0.0093% | 3,924 |
| Net loans and leases to total assets | 50.8837% | 3,282 |
| Net loans and leases to deposits | 54.1402% | 3,528 |
| Net loans and leases to core deposits | 54.5021% | 3,668 |
| Total domestic deposits to total assets | 93.9851% | 285 |
| Equity capital to assets | 5.0084% | 4,474 |
| Core capital (leverage) ratio | 8.6543% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3244% | 601 |
| Memoranda: |
| Average total assets | $171,067,333 | 3,323 |
| Average earning assets | $159,975,333 | 3,313 |
| Average equity | $11,190,000 | 3,868 |
| Average total loans | $86,045,667 | 3,377 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4449% | 4,334 |
| Cost of funding earning assets | 0.3507% | 1,196 |
| Net interest margin | 2.0942% | 4,451 |
| Noninterest income to average assets | 0.2782% | 3,476 |
| Noninterest expense to average assets | 2.1257% | 3,060 |
| Loan and lease loss provision to assets | 0.0139% | 2,097 |
| Net operating income to assets | 0.1043% | 4,464 |
| Return on assets (ROA) | 0.1043% | 4,436 |
| Pretax return on assets | 0.1043% | 4,443 |
| Return on Equity (ROE) | 1.4314% | 4,351 |
| Retained earnings to average equity (ytd only) | 1.4314% | 3,710 |
| Net charge-offs to loans | -0.0140% | 3,735 |
| Credit loss provision to net charge-offs | -200.0000% | 2,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7314% | 369 |
| Assets per employee ($millions) | 6.5668% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0161% | 3,646 |
| Loan loss allowance to noncurrent loans | 804.6296% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 3,429 |
| Noncurrent loans to loans | 0.1263% | 3,189 |
| Net loans and leases to total assets | 49.5812% | 3,215 |
| Net loans and leases to deposits | 53.9380% | 3,424 |
| Net loans and leases to core deposits | 54.2998% | 3,574 |
| Total domestic deposits to total assets | 91.9227% | 605 |
| Equity capital to assets | 6.4596% | 4,439 |
| Core capital (leverage) ratio | 8.5582% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $172,551,500 | 3,325 |
| Average earning assets | $161,972,000 | 3,306 |
| Average equity | $12,575,500 | 3,803 |
| Average total loans | $85,865,500 | 3,389 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4691% | 4,506 |
| Cost of funding earning assets | 0.4483% | 1,214 |
| Net interest margin | 2.0208% | 4,587 |
| Noninterest income to average assets | 0.2930% | 3,649 |
| Noninterest expense to average assets | 2.0012% | 3,669 |
| Loan and lease loss provision to assets | 0.0198% | 2,675 |
| Net operating income to assets | 0.1530% | 4,578 |
| Return on assets (ROA) | 0.1875% | 4,565 |
| Pretax return on assets | 0.2361% | 4,538 |
| Return on Equity (ROE) | 2.1515% | 4,484 |
| Retained earnings to average equity (ytd only) | 1.1686% | 4,211 |
| Net charge-offs to loans | 0.0058% | 2,373 |
| Credit loss provision to net charge-offs | 660.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 70.8000% | 1,068 |
| Efficiency ratio | 90.4169% | 317 |
| Assets per employee ($millions) | 6.6300% | 2,214 |
| Cash dividends to net income (ytd only)* | 45.6869% | 1,733 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9987% | 3,761 |
| Loan loss allowance to noncurrent loans | 2,265.7895% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 3,908 |
| Noncurrent loans to loans | 0.0441% | 3,761 |
| Net loans and leases to total assets | 49.5110% | 3,348 |
| Net loans and leases to deposits | 54.2447% | 3,581 |
| Net loans and leases to core deposits | 54.6050% | 3,718 |
| Total domestic deposits to total assets | 91.2733% | 394 |
| Equity capital to assets | 8.1924% | 4,236 |
| Core capital (leverage) ratio | 8.4931% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $166,901,400 | 3,326 |
| Average earning assets | $158,597,400 | 3,292 |
| Average equity | $14,547,800 | 3,684 |
| Average total loans | $86,096,200 | 3,393 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4948% | 4,572 |
| Cost of funding earning assets | 0.4716% | 1,206 |
| Net interest margin | 2.0232% | 4,669 |
| Noninterest income to average assets | 0.2932% | 3,694 |
| Noninterest expense to average assets | 2.0644% | 3,471 |
| Loan and lease loss provision to assets | 0.0217% | 2,560 |
| Net operating income to assets | 0.1045% | 4,698 |
| Return on assets (ROA) | 0.1514% | 4,682 |
| Pretax return on assets | 0.1861% | 4,676 |
| Return on Equity (ROE) | 1.7105% | 4,626 |
| Retained earnings to average equity (ytd only) | 1.1919% | 4,375 |
| Net charge-offs to loans | 0.0062% | 2,092 |
| Credit loss provision to net charge-offs | 675.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 46.5000% | 1,274 |
| Efficiency ratio | 93.2339% | 245 |
| Assets per employee ($millions) | 6.7007% | 2,098 |
| Cash dividends to net income (ytd only)* | 30.3191% | 2,060 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9840% | 3,903 |
| Loan loss allowance to noncurrent loans | 638.8060% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,591 |
| Noncurrent loans to loans | 0.1540% | 3,351 |
| Net loans and leases to total assets | 49.4398% | 3,477 |
| Net loans and leases to deposits | 54.3114% | 3,714 |
| Net loans and leases to core deposits | 54.6685% | 3,872 |
| Total domestic deposits to total assets | 91.0302% | 361 |
| Equity capital to assets | 8.3097% | 4,337 |
| Core capital (leverage) ratio | 8.5044% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $165,531,750 | 3,374 |
| Average earning assets | $157,175,500 | 3,339 |
| Average equity | $14,654,250 | 3,719 |
| Average total loans | $86,068,250 | 3,435 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5345% | 4,591 |
| Cost of funding earning assets | 0.5015% | 1,196 |
| Net interest margin | 2.0330% | 4,696 |
| Noninterest income to average assets | 0.2939% | 3,663 |
| Noninterest expense to average assets | 2.0610% | 3,519 |
| Loan and lease loss provision to assets | 0.0258% | 2,456 |
| Net operating income to assets | 0.1090% | 4,702 |
| Return on assets (ROA) | 0.1808% | 4,668 |
| Pretax return on assets | 0.2263% | 4,655 |
| Return on Equity (ROE) | 1.9982% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.2234% | 4,296 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6991% | 278 |
| Assets per employee ($millions) | 7.3367% | 1,575 |
| Cash dividends to net income (ytd only)* | 38.7755% | 1,667 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9884% | 3,863 |
| Loan loss allowance to noncurrent loans | 565.5629% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,607 |
| Noncurrent loans to loans | 0.1748% | 3,343 |
| Net loans and leases to total assets | 50.6972% | 3,488 |
| Net loans and leases to deposits | 55.8987% | 3,717 |
| Net loans and leases to core deposits | 56.4054% | 3,865 |
| Total domestic deposits to total assets | 90.6948% | 481 |
| Equity capital to assets | 8.5940% | 4,136 |
| Core capital (leverage) ratio | 8.8459% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $162,636,333 | 3,409 |
| Average earning assets | $154,350,000 | 3,371 |
| Average equity | $14,713,333 | 3,716 |
| Average total loans | $85,761,333 | 3,460 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5473% | 4,615 |
| Cost of funding earning assets | 0.5470% | 1,119 |
| Net interest margin | 2.0003% | 4,732 |
| Noninterest income to average assets | 0.2933% | 3,649 |
| Noninterest expense to average assets | 2.0754% | 3,492 |
| Loan and lease loss provision to assets | 0.0376% | 2,273 |
| Net operating income to assets | 0.0627% | 4,745 |
| Return on assets (ROA) | 0.0627% | 4,753 |
| Pretax return on assets | 0.0777% | 4,741 |
| Return on Equity (ROE) | 0.6748% | 4,736 |
| Retained earnings to average equity (ytd only) | 0.6748% | 4,275 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7368% | 275 |
| Assets per employee ($millions) | 6.7715% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9909% | 3,876 |
| Loan loss allowance to noncurrent loans | 192.2902% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 2,794 |
| Noncurrent loans to loans | 0.5153% | 2,309 |
| Net loans and leases to total assets | 52.1352% | 3,435 |
| Net loans and leases to deposits | 57.6232% | 3,665 |
| Net loans and leases to core deposits | 58.1911% | 3,818 |
| Total domestic deposits to total assets | 90.4760% | 593 |
| Equity capital to assets | 8.8865% | 3,798 |
| Core capital (leverage) ratio | 9.2128% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $159,582,000 | 3,442 |
| Average earning assets | $151,376,000 | 3,399 |
| Average equity | $14,819,000 | 3,704 |
| Average total loans | $85,440,500 | 3,476 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9928% | 4,640 |
| Cost of funding earning assets | 0.7086% | 1,678 |
| Net interest margin | 2.2842% | 4,730 |
| Noninterest income to average assets | 0.4017% | 3,079 |
| Noninterest expense to average assets | 2.2823% | 3,458 |
| Loan and lease loss provision to assets | 0.0336% | 3,980 |
| Net operating income to assets | 0.2245% | 4,542 |
| Return on assets (ROA) | 0.3582% | 4,404 |
| Pretax return on assets | 0.3826% | 4,444 |
| Return on Equity (ROE) | 3.6617% | 4,232 |
| Retained earnings to average equity (ytd only) | 2.6655% | 3,521 |
| Net charge-offs to loans | 0.0033% | 3,260 |
| Credit loss provision to net charge-offs | 1,700.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 138.6667% | 616 |
| Efficiency ratio | 89.2839% | 397 |
| Assets per employee ($millions) | 6.2659% | 2,108 |
| Cash dividends to net income (ytd only)* | 27.2059% | 2,966 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9765% | 3,957 |
| Loan loss allowance to noncurrent loans | 385.6481% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 3,603 |
| Noncurrent loans to loans | 0.2532% | 3,288 |
| Net loans and leases to total assets | 53.9247% | 3,491 |
| Net loans and leases to deposits | 60.2764% | 3,734 |
| Net loans and leases to core deposits | 61.0448% | 3,887 |
| Total domestic deposits to total assets | 89.4624% | 783 |
| Equity capital to assets | 9.7007% | 3,403 |
| Core capital (leverage) ratio | 9.4282% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $151,865,800 | 3,382 |
| Average earning assets | $143,243,800 | 3,344 |
| Average equity | $14,856,600 | 3,664 |
| Average total loans | $90,329,000 | 3,393 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0500% | 4,702 |
| Cost of funding earning assets | 0.7432% | 1,784 |
| Net interest margin | 2.3067% | 4,779 |
| Noninterest income to average assets | 0.3416% | 3,429 |
| Noninterest expense to average assets | 2.3716% | 3,212 |
| Loan and lease loss provision to assets | 0.0319% | 3,934 |
| Net operating income to assets | 0.1020% | 4,699 |
| Return on assets (ROA) | 0.2779% | 4,525 |
| Pretax return on assets | 0.3018% | 4,543 |
| Return on Equity (ROE) | 2.8342% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.2746% | 3,835 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3330% | 252 |
| Assets per employee ($millions) | 5.7923% | 2,457 |
| Cash dividends to net income (ytd only)* | 19.7452% | 2,792 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9280% | 3,982 |
| Loan loss allowance to noncurrent loans | 353.4483% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 3,673 |
| Noncurrent loans to loans | 0.2625% | 3,355 |
| Net loans and leases to total assets | 55.9776% | 3,627 |
| Net loans and leases to deposits | 62.5223% | 3,897 |
| Net loans and leases to core deposits | 63.3168% | 4,039 |
| Total domestic deposits to total assets | 89.5321% | 575 |
| Equity capital to assets | 9.5912% | 3,614 |
| Core capital (leverage) ratio | 9.3307% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $150,670,250 | 3,380 |
| Average earning assets | $141,899,000 | 3,347 |
| Average equity | $14,771,750 | 3,677 |
| Average total loans | $91,585,000 | 3,391 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1873% | 4,727 |
| Cost of funding earning assets | 0.7811% | 1,923 |
| Net interest margin | 2.4062% | 4,790 |
| Noninterest income to average assets | 0.2904% | 3,727 |
| Noninterest expense to average assets | 2.4159% | 3,213 |
| Loan and lease loss provision to assets | 0.0282% | 3,901 |
| Net operating income to assets | 0.1116% | 4,672 |
| Return on assets (ROA) | 0.1640% | 4,656 |
| Pretax return on assets | 0.1640% | 4,670 |
| Return on Equity (ROE) | 1.6604% | 4,594 |
| Retained earnings to average equity (ytd only) | 0.8166% | 4,134 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5292% | 283 |
| Assets per employee ($millions) | 5.1187% | 3,040 |
| Cash dividends to net income (ytd only)* | 50.8197% | 1,529 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8817% | 4,071 |
| Loan loss allowance to noncurrent loans | 412.8205% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 3,619 |
| Noncurrent loans to loans | 0.2136% | 3,617 |
| Net loans and leases to total assets | 58.9320% | 3,431 |
| Net loans and leases to deposits | 65.9332% | 3,727 |
| Net loans and leases to core deposits | 66.4957% | 3,955 |
| Total domestic deposits to total assets | 89.3813% | 616 |
| Equity capital to assets | 9.7538% | 3,421 |
| Core capital (leverage) ratio | 9.4477% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $148,762,667 | 3,381 |
| Average earning assets | $140,054,000 | 3,346 |
| Average equity | $14,695,667 | 3,689 |
| Average total loans | $92,658,333 | 3,357 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3336% | 4,789 |
| Cost of funding earning assets | 0.8428% | 2,146 |
| Net interest margin | 2.4908% | 4,834 |
| Noninterest income to average assets | 0.2870% | 3,806 |
| Noninterest expense to average assets | 2.5088% | 3,248 |
| Loan and lease loss provision to assets | 0.0164% | 3,591 |
| Net operating income to assets | 0.1039% | 4,653 |
| Return on assets (ROA) | 0.2077% | 4,525 |
| Pretax return on assets | 0.2077% | 4,555 |
| Return on Equity (ROE) | 2.0887% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.0887% | 3,416 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4262% | 341 |
| Assets per employee ($millions) | 4.7396% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8474% | 4,285 |
| Loan loss allowance to noncurrent loans | 1,755.5556% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 4,168 |
| Noncurrent loans to loans | 0.0483% | 4,357 |
| Net loans and leases to total assets | 62.9113% | 3,198 |
| Net loans and leases to deposits | 70.6825% | 3,546 |
| Net loans and leases to core deposits | 71.3128% | 3,796 |
| Total domestic deposits to total assets | 89.0056% | 661 |
| Equity capital to assets | 10.1171% | 3,679 |
| Core capital (leverage) ratio | 9.8494% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $146,364,000 | 3,376 |
| Average earning assets | $137,628,500 | 3,344 |
| Average equity | $14,554,500 | 3,710 |
| Average total loans | $93,337,000 | 3,336 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4349% | 4,901 |
| Cost of funding earning assets | 0.8536% | 2,410 |
| Net interest margin | 2.5813% | 4,922 |
| Noninterest income to average assets | 0.3132% | 3,820 |
| Noninterest expense to average assets | 2.3932% | 3,703 |
| Loan and lease loss provision to assets | 0.0124% | 3,768 |
| Net operating income to assets | 0.2836% | 4,765 |
| Return on assets (ROA) | 0.2836% | 4,792 |
| Pretax return on assets | 0.3324% | 4,787 |
| Return on Equity (ROE) | 2.9465% | 4,671 |
| Retained earnings to average equity (ytd only) | 1.8881% | 4,047 |
| Net charge-offs to loans | 0.0128% | 3,229 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 1,278 |
| Efficiency ratio | 87.4057% | 472 |
| Assets per employee ($millions) | 5.0276% | 2,557 |
| Cash dividends to net income (ytd only)* | 35.9223% | 2,809 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8390% | 4,191 |
| Loan loss allowance to noncurrent loans | 1,742.2222% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 4,196 |
| Noncurrent loans to loans | 0.0482% | 4,356 |
| Net loans and leases to total assets | 63.5567% | 3,251 |
| Net loans and leases to deposits | 71.0213% | 3,590 |
| Net loans and leases to core deposits | 71.7922% | 3,868 |
| Total domestic deposits to total assets | 89.4896% | 493 |
| Equity capital to assets | 9.7696% | 4,133 |
| Core capital (leverage) ratio | 9.7091% | 3,833 |
| Tier 1 risk-based capital ratio | 21.6096% | 1,069 |
| Total risk-based capital ratio | 22.8504% | 1,044 |
| Memoranda: |
| Average total assets | $145,286,400 | 3,363 |
| Average earning assets | $136,481,800 | 3,334 |
| Average equity | $13,982,600 | 3,754 |
| Average total loans | $93,688,800 | 3,328 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4481% | 4,988 |
| Cost of funding earning assets | 0.8478% | 2,477 |
| Net interest margin | 2.6002% | 5,002 |
| Noninterest income to average assets | 0.3077% | 3,901 |
| Noninterest expense to average assets | 2.4304% | 3,610 |
| Loan and lease loss provision to assets | 0.0110% | 3,669 |
| Net operating income to assets | 0.2700% | 4,876 |
| Return on assets (ROA) | 0.2700% | 4,890 |
| Pretax return on assets | 0.3086% | 4,899 |
| Return on Equity (ROE) | 2.8166% | 4,795 |
| Retained earnings to average equity (ytd only) | 2.2226% | 4,195 |
| Net charge-offs to loans | 0.0171% | 2,797 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | 28.9994% | 1,660 |
| Efficiency ratio | 88.3768% | 377 |
| Assets per employee ($millions) | 5.0631% | 2,483 |
| Cash dividends to net income (ytd only)* | 21.0873% | 2,997 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8439% | 4,262 |
| Loan loss allowance to noncurrent loans | 1,364.9123% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 4,527 |
| Noncurrent loans to loans | 0.0618% | 4,357 |
| Net loans and leases to total assets | 62.2581% | 3,471 |
| Net loans and leases to deposits | 69.5669% | 3,793 |
| Net loans and leases to core deposits | 70.4532% | 4,037 |
| Total domestic deposits to total assets | 89.4939% | 449 |
| Equity capital to assets | 9.7392% | 4,256 |
| Core capital (leverage) ratio | 9.6824% | 3,991 |
| Tier 1 risk-based capital ratio | 22.8584% | 959 |
| Total risk-based capital ratio | 24.1092% | 939 |
| Memoranda: |
| Average total assets | $145,158,250 | 3,393 |
| Average earning assets | $136,343,250 | 3,370 |
| Average equity | $13,917,250 | 3,792 |
| Average total loans | $93,748,750 | 3,363 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4412% | 5,055 |
| Cost of funding earning assets | 0.8320% | 2,495 |
| Net interest margin | 2.6092% | 5,069 |
| Noninterest income to average assets | 0.3043% | 3,896 |
| Noninterest expense to average assets | 2.4343% | 3,643 |
| Loan and lease loss provision to assets | 0.0083% | 3,572 |
| Net operating income to assets | 0.2739% | 4,907 |
| Return on assets (ROA) | 0.2739% | 4,918 |
| Pretax return on assets | 0.3126% | 4,920 |
| Return on Equity (ROE) | 2.8717% | 4,814 |
| Retained earnings to average equity (ytd only) | 1.9725% | 4,121 |
| Net charge-offs to loans | 0.0170% | 2,548 |
| Credit loss provision to net charge-offs | 75.0000% | 2,272 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,504 |
| Efficiency ratio | 88.3534% | 425 |
| Assets per employee ($millions) | 5.2524% | 2,199 |
| Cash dividends to net income (ytd only)* | 31.3131% | 2,574 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8268% | 4,342 |
| Loan loss allowance to noncurrent loans | 431.1111% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 4,136 |
| Noncurrent loans to loans | 0.1918% | 3,866 |
| Net loans and leases to total assets | 63.2913% | 3,419 |
| Net loans and leases to deposits | 70.6120% | 3,794 |
| Net loans and leases to core deposits | 71.3672% | 4,042 |
| Total domestic deposits to total assets | 89.6325% | 438 |
| Equity capital to assets | 9.6406% | 4,280 |
| Core capital (leverage) ratio | 9.6484% | 3,982 |
| Tier 1 risk-based capital ratio | 21.3823% | 1,133 |
| Total risk-based capital ratio | 22.6090% | 1,116 |
| Memoranda: |
| Average total assets | $144,601,330 | 3,419 |
| Average earning assets | $135,825,330 | 3,397 |
| Average equity | $13,789,670 | 3,818 |
| Average total loans | $94,268,000 | 3,371 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4440% | 5,086 |
| Cost of funding earning assets | 0.8119% | 2,469 |
| Net interest margin | 2.6321% | 5,118 |
| Noninterest income to average assets | 0.2985% | 3,884 |
| Noninterest expense to average assets | 2.4998% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2511% | 4,956 |
| Return on assets (ROA) | 0.2511% | 4,964 |
| Pretax return on assets | 0.2678% | 4,986 |
| Return on Equity (ROE) | 2.6479% | 4,860 |
| Retained earnings to average equity (ytd only) | 2.5008% | 3,925 |
| Net charge-offs to loans | 0.0296% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 13.7143% | 1,831 |
| Efficiency ratio | 90.3226% | 382 |
| Assets per employee ($millions) | 5.3957% | 2,073 |
| Cash dividends to net income (ytd only)* | 5.5556% | 2,703 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8130% | 4,477 |
| Loan loss allowance to noncurrent loans | 1,186.1538% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 4,610 |
| Noncurrent loans to loans | 0.0685% | 4,452 |
| Net loans and leases to total assets | 64.5703% | 3,220 |
| Net loans and leases to deposits | 71.8318% | 3,615 |
| Net loans and leases to core deposits | 72.6007% | 3,906 |
| Total domestic deposits to total assets | 89.8911% | 493 |
| Equity capital to assets | 9.4026% | 4,340 |
| Core capital (leverage) ratio | 9.8713% | 3,737 |
| Tier 1 risk-based capital ratio | 20.6232% | 1,225 |
| Total risk-based capital ratio | 21.8033% | 1,217 |
| Memoranda: |
| Average total assets | $143,369,000 | 3,475 |
| Average earning assets | $134,495,000 | 3,449 |
| Average equity | $13,595,500 | 3,854 |
| Average total loans | $94,474,000 | 3,403 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3185% | 5,067 |
| Cost of funding earning assets | 0.7268% | 1,922 |
| Net interest margin | 2.5918% | 5,158 |
| Noninterest income to average assets | 0.3228% | 3,940 |
| Noninterest expense to average assets | 2.5098% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2219% | 5,084 |
| Return on assets (ROA) | 0.2219% | 5,082 |
| Pretax return on assets | 0.2414% | 5,091 |
| Return on Equity (ROE) | 2.3176% | 5,004 |
| Retained earnings to average equity (ytd only) | 1.2190% | 4,644 |
| Net charge-offs to loans | 0.0323% | 2,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 11.1667% | 2,646 |
| Efficiency ratio | 91.2258% | 299 |
| Assets per employee ($millions) | 4.5502% | 3,086 |
| Cash dividends to net income (ytd only)* | 47.4026% | 2,104 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8267% | 4,442 |
| Loan loss allowance to noncurrent loans | 984.8101% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,567 |
| Noncurrent loans to loans | 0.0839% | 4,371 |
| Net loans and leases to total assets | 66.1664% | 3,104 |
| Net loans and leases to deposits | 73.7363% | 3,524 |
| Net loans and leases to core deposits | 74.0740% | 3,846 |
| Total domestic deposits to total assets | 89.7338% | 559 |
| Equity capital to assets | 9.5658% | 4,073 |
| Core capital (leverage) ratio | 9.8762% | 3,718 |
| Tier 1 risk-based capital ratio | 21.0376% | 1,151 |
| Total risk-based capital ratio | 22.2594% | 1,142 |
| Memoranda: |
| Average total assets | $138,775,400 | 3,525 |
| Average earning assets | $130,027,600 | 3,492 |
| Average equity | $13,289,400 | 3,844 |
| Average total loans | $92,859,600 | 3,427 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2593% | 5,161 |
| Cost of funding earning assets | 0.7042% | 1,822 |
| Net interest margin | 2.5552% | 5,245 |
| Noninterest income to average assets | 0.3290% | 3,952 |
| Noninterest expense to average assets | 2.5758% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1476% | 5,232 |
| Return on assets (ROA) | 0.1476% | 5,225 |
| Pretax return on assets | 0.1476% | 5,232 |
| Return on Equity (ROE) | 1.5409% | 5,181 |
| Retained earnings to average equity (ytd only) | 0.9367% | 4,871 |
| Net charge-offs to loans | 0.0432% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 5.0998% | 2,989 |
| Efficiency ratio | 94.5802% | 233 |
| Assets per employee ($millions) | 4.5845% | 2,999 |
| Cash dividends to net income (ytd only)* | 39.2176% | 2,092 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8302% | 4,522 |
| Loan loss allowance to noncurrent loans | 457.6471% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,375 |
| Noncurrent loans to loans | 0.1814% | 4,078 |
| Net loans and leases to total assets | 65.3915% | 3,261 |
| Net loans and leases to deposits | 72.6639% | 3,712 |
| Net loans and leases to core deposits | 72.9921% | 4,011 |
| Total domestic deposits to total assets | 89.9916% | 510 |
| Equity capital to assets | 9.2618% | 4,311 |
| Core capital (leverage) ratio | 9.8753% | 3,768 |
| Tier 1 risk-based capital ratio | 20.8736% | 1,201 |
| Total risk-based capital ratio | 22.0919% | 1,182 |
| Memoranda: |
| Average total assets | $138,205,500 | 3,567 |
| Average earning assets | $129,512,500 | 3,535 |
| Average equity | $13,238,500 | 3,881 |
| Average total loans | $92,547,250 | 3,457 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2209% | 5,209 |
| Cost of funding earning assets | 0.6851% | 1,713 |
| Net interest margin | 2.5359% | 5,319 |
| Noninterest income to average assets | 0.3331% | 3,956 |
| Noninterest expense to average assets | 2.5858% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1213% | 5,277 |
| Return on assets (ROA) | 0.1213% | 5,269 |
| Pretax return on assets | 0.1213% | 5,284 |
| Return on Equity (ROE) | 1.2515% | 5,248 |
| Retained earnings to average equity (ytd only) | 0.3468% | 4,902 |
| Net charge-offs to loans | 0.0499% | 1,889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.6087% | 2,863 |
| Efficiency ratio | 95.5208% | 228 |
| Assets per employee ($millions) | 4.5242% | 3,096 |
| Cash dividends to net income (ytd only)* | 72.2892% | 926 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8548% | 4,537 |
| Loan loss allowance to noncurrent loans | 3,140.0000% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 4,944 |
| Noncurrent loans to loans | 0.0272% | 4,802 |
| Net loans and leases to total assets | 64.9202% | 3,288 |
| Net loans and leases to deposits | 72.2017% | 3,700 |
| Net loans and leases to core deposits | 72.5302% | 3,978 |
| Total domestic deposits to total assets | 89.9151% | 599 |
| Equity capital to assets | 9.3762% | 4,209 |
| Core capital (leverage) ratio | 10.1026% | 3,474 |
| Tier 1 risk-based capital ratio | 21.5724% | 1,088 |
| Total risk-based capital ratio | 22.8222% | 1,065 |
| Memoranda: |
| Average total assets | $136,900,330 | 3,611 |
| Average earning assets | $128,162,000 | 3,584 |
| Average equity | $13,263,670 | 3,903 |
| Average total loans | $92,158,670 | 3,477 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2086% | 5,227 |
| Cost of funding earning assets | 0.6733% | 1,578 |
| Net interest margin | 2.5353% | 5,367 |
| Noninterest income to average assets | 0.3461% | 3,827 |
| Noninterest expense to average assets | 2.6119% | 3,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1065% | 5,324 |
| Return on assets (ROA) | 0.1065% | 5,321 |
| Pretax return on assets | 0.1065% | 5,331 |
| Return on Equity (ROE) | 1.0810% | 5,300 |
| Retained earnings to average equity (ytd only) | 0.9910% | 4,633 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0827% | 253 |
| Assets per employee ($millions) | 4.4973% | 3,167 |
| Cash dividends to net income (ytd only)* | 8.3333% | 2,622 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8849% | 4,509 |
| Loan loss allowance to noncurrent loans | 16,160.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 5,128 |
| Noncurrent loans to loans | 0.0055% | 4,997 |
| Net loans and leases to total assets | 67.0785% | 2,881 |
| Net loans and leases to deposits | 74.9720% | 3,320 |
| Net loans and leases to core deposits | 75.3271% | 3,718 |
| Total domestic deposits to total assets | 89.4714% | 903 |
| Equity capital to assets | 9.7859% | 3,804 |
| Core capital (leverage) ratio | 10.3478% | 3,121 |
| Tier 1 risk-based capital ratio | 22.2819% | 1,017 |
| Total risk-based capital ratio | 23.5330% | 997 |
| Memoranda: |
| Average total assets | $135,226,000 | 3,668 |
| Average earning assets | $126,533,500 | 3,636 |
| Average equity | $13,320,500 | 3,927 |
| Average total loans | $92,320,500 | 3,497 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2106% | 5,176 |
| Cost of funding earning assets | 0.6652% | 1,215 |
| Net interest margin | 2.5455% | 5,384 |
| Noninterest income to average assets | 0.3302% | 4,110 |
| Noninterest expense to average assets | 2.5168% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1291% | 5,223 |
| Return on assets (ROA) | 0.1291% | 5,227 |
| Pretax return on assets | 0.1944% | 5,316 |
| Return on Equity (ROE) | 1.3068% | 5,188 |
| Retained earnings to average equity (ytd only) | 0.2228% | 4,931 |
| Net charge-offs to loans | 0.0107% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,673 |
| Efficiency ratio | 92.8281% | 327 |
| Assets per employee ($millions) | 4.3721% | 3,372 |
| Cash dividends to net income (ytd only)* | 82.9545% | 735 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8657% | 4,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,893 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 68.2663% | 2,783 |
| Net loans and leases to deposits | 76.3664% | 3,293 |
| Net loans and leases to core deposits | 76.8880% | 3,677 |
| Total domestic deposits to total assets | 89.3931% | 825 |
| Equity capital to assets | 9.9149% | 3,798 |
| Core capital (leverage) ratio | 9.9908% | 3,471 |
| Tier 1 risk-based capital ratio | 22.3545% | 978 |
| Total risk-based capital ratio | 23.6063% | 953 |
| Memoranda: |
| Average total assets | $136,286,800 | 3,664 |
| Average earning assets | $127,482,000 | 3,621 |
| Average equity | $13,467,600 | 3,917 |
| Average total loans | $93,023,400 | 3,468 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1931% | 5,238 |
| Cost of funding earning assets | 0.6622% | 1,171 |
| Net interest margin | 2.5309% | 5,450 |
| Noninterest income to average assets | 0.3283% | 4,190 |
| Noninterest expense to average assets | 2.5743% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1211% | 5,425 |
| Return on assets (ROA) | 0.1211% | 5,436 |
| Pretax return on assets | 0.1211% | 5,448 |
| Return on Equity (ROE) | 1.2269% | 5,404 |
| Retained earnings to average equity (ytd only) | 0.6332% | 5,079 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5056% | 256 |
| Assets per employee ($millions) | 4.4949% | 3,154 |
| Cash dividends to net income (ytd only)* | 48.3881% | 1,841 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8749% | 4,676 |
| Loan loss allowance to noncurrent loans | 564.1379% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 4,719 |
| Noncurrent loans to loans | 0.1551% | 4,438 |
| Net loans and leases to total assets | 66.5128% | 3,039 |
| Net loans and leases to deposits | 74.3053% | 3,534 |
| Net loans and leases to core deposits | 74.7958% | 3,905 |
| Total domestic deposits to total assets | 89.5129% | 652 |
| Equity capital to assets | 9.7307% | 4,219 |
| Core capital (leverage) ratio | 9.9122% | 3,681 |
| Tier 1 risk-based capital ratio | 22.1715% | 1,029 |
| Total risk-based capital ratio | 23.4227% | 1,009 |
| Memoranda: |
| Average total assets | $136,475,000 | 3,696 |
| Average earning assets | $127,645,750 | 3,655 |
| Average equity | $13,475,000 | 3,963 |
| Average total loans | $92,946,250 | 3,501 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1822% | 5,260 |
| Cost of funding earning assets | 0.6554% | 1,113 |
| Net interest margin | 2.5268% | 5,491 |
| Noninterest income to average assets | 0.3129% | 4,301 |
| Noninterest expense to average assets | 2.5797% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0945% | 5,496 |
| Return on assets (ROA) | 0.0945% | 5,500 |
| Pretax return on assets | 0.0945% | 5,515 |
| Return on Equity (ROE) | 0.9519% | 5,479 |
| Retained earnings to average equity (ytd only) | 0.0595% | 5,058 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4680% | 247 |
| Assets per employee ($millions) | 4.4351% | 3,220 |
| Cash dividends to net income (ytd only)* | 93.7500% | 563 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8745% | 4,736 |
| Loan loss allowance to noncurrent loans | 705.1724% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,826 |
| Noncurrent loans to loans | 0.1240% | 4,623 |
| Net loans and leases to total assets | 67.4376% | 2,888 |
| Net loans and leases to deposits | 75.3964% | 3,419 |
| Net loans and leases to core deposits | 75.8994% | 3,783 |
| Total domestic deposits to total assets | 89.4441% | 745 |
| Equity capital to assets | 9.8358% | 4,099 |
| Core capital (leverage) ratio | 10.0388% | 3,491 |
| Tier 1 risk-based capital ratio | 22.0924% | 1,041 |
| Total risk-based capital ratio | 23.3446% | 1,018 |
| Memoranda: |
| Average total assets | $135,519,000 | 3,732 |
| Average earning assets | $126,640,330 | 3,696 |
| Average equity | $13,447,000 | 3,965 |
| Average total loans | $92,762,000 | 3,518 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1690% | 5,284 |
| Cost of funding earning assets | 0.6497% | 1,080 |
| Net interest margin | 2.5192% | 5,534 |
| Noninterest income to average assets | 0.3033% | 4,391 |
| Noninterest expense to average assets | 2.6105% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0446% | 5,576 |
| Return on assets (ROA) | 0.0446% | 5,582 |
| Pretax return on assets | 0.0446% | 5,574 |
| Return on Equity (ROE) | 0.4475% | 5,573 |
| Retained earnings to average equity (ytd only) | 0.4475% | 4,817 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3203% | 258 |
| Assets per employee ($millions) | 4.3947% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8832% | 4,824 |
| Loan loss allowance to noncurrent loans | 951.1628% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 4,993 |
| Noncurrent loans to loans | 0.0929% | 4,819 |
| Net loans and leases to total assets | 67.3811% | 2,764 |
| Net loans and leases to deposits | 75.3629% | 3,265 |
| Net loans and leases to core deposits | 75.8686% | 3,661 |
| Total domestic deposits to total assets | 89.4089% | 940 |
| Equity capital to assets | 9.8615% | 3,915 |
| Core capital (leverage) ratio | 10.2490% | 3,195 |
| Tier 1 risk-based capital ratio | 22.4326% | 1,039 |
| Total risk-based capital ratio | 23.6849% | 1,024 |
| Memoranda: |
| Average total assets | $134,535,000 | 3,774 |
| Average earning assets | $125,593,500 | 3,743 |
| Average equity | $13,409,000 | 4,002 |
| Average total loans | $92,375,000 | 3,547 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2440% | 5,247 |
| Cost of funding earning assets | 0.6593% | 1,009 |
| Net interest margin | 2.5847% | 5,531 |
| Noninterest income to average assets | 0.3160% | 4,471 |
| Noninterest expense to average assets | 2.6540% | 3,513 |
| Loan and lease loss provision to assets | 0.0146% | 4,082 |
| Net operating income to assets | 0.0886% | 5,574 |
| Return on assets (ROA) | 0.1927% | 5,480 |
| Pretax return on assets | 0.1719% | 5,522 |
| Return on Equity (ROE) | 1.8433% | 5,434 |
| Retained earnings to average equity (ytd only) | 0.7520% | 5,025 |
| Net charge-offs to loans | 0.0124% | 3,856 |
| Credit loss provision to net charge-offs | 172.7273% | 1,609 |
| Earnings coverage of net charge-offs (x) | 9.7273% | 2,724 |
| Efficiency ratio | 96.9859% | 284 |
| Assets per employee ($millions) | 4.0252% | 3,921 |
| Cash dividends to net income (ytd only)* | 59.2000% | 1,829 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8878% | 4,823 |
| Loan loss allowance to noncurrent loans | 524.3590% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,813 |
| Noncurrent loans to loans | 0.1693% | 4,556 |
| Net loans and leases to total assets | 68.7450% | 2,660 |
| Net loans and leases to deposits | 78.0832% | 3,092 |
| Net loans and leases to core deposits | 78.6272% | 3,517 |
| Total domestic deposits to total assets | 88.0406% | 1,610 |
| Equity capital to assets | 10.0751% | 3,641 |
| Core capital (leverage) ratio | 10.2695% | 3,144 |
| Tier 1 risk-based capital ratio | 22.9226% | 969 |
| Total risk-based capital ratio | 24.1753% | 958 |
| Memoranda: |
| Average total assets | $129,728,600 | 3,834 |
| Average earning assets | $121,485,600 | 3,802 |
| Average equity | $13,563,000 | 4,013 |
| Average total loans | $88,725,000 | 3,601 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2453% | 5,292 |
| Cost of funding earning assets | 0.6585% | 1,014 |
| Net interest margin | 2.5868% | 5,598 |
| Noninterest income to average assets | 0.3092% | 4,561 |
| Noninterest expense to average assets | 2.7286% | 3,263 |
| Loan and lease loss provision to assets | 0.0341% | 3,551 |
| Net operating income to assets | -0.0289% | 5,732 |
| Return on assets (ROA) | 0.1106% | 5,666 |
| Pretax return on assets | 0.1106% | 5,666 |
| Return on Equity (ROE) | 1.0484% | 5,640 |
| Retained earnings to average equity (ytd only) | 0.4409% | 5,243 |
| Net charge-offs to loans | -0.0046% | 4,600 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8109% | 226 |
| Assets per employee ($millions) | 4.1236% | 3,750 |
| Cash dividends to net income (ytd only)* | 57.9420% | 1,510 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9447% | 4,685 |
| Loan loss allowance to noncurrent loans | 2,563.6364% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 5,406 |
| Noncurrent loans to loans | 0.0369% | 5,222 |
| Net loans and leases to total assets | 67.2227% | 2,916 |
| Net loans and leases to deposits | 75.6832% | 3,437 |
| Net loans and leases to core deposits | 76.0466% | 3,830 |
| Total domestic deposits to total assets | 88.8211% | 1,000 |
| Equity capital to assets | 10.3635% | 3,729 |
| Core capital (leverage) ratio | 10.5990% | 2,878 |
| Tier 1 risk-based capital ratio | 23.1628% | 989 |
| Total risk-based capital ratio | 24.4151% | 971 |
| Memoranda: |
| Average total assets | $128,952,500 | 3,872 |
| Average earning assets | $120,869,250 | 3,834 |
| Average equity | $13,608,000 | 4,042 |
| Average total loans | $87,872,750 | 3,631 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2621% | 5,346 |
| Cost of funding earning assets | 0.6574% | 1,017 |
| Net interest margin | 2.6047% | 5,662 |
| Noninterest income to average assets | 0.3032% | 4,623 |
| Noninterest expense to average assets | 2.7260% | 3,287 |
| Loan and lease loss provision to assets | 0.0469% | 3,212 |
| Net operating income to assets | -0.0297% | 5,782 |
| Return on assets (ROA) | 0.1813% | 5,610 |
| Pretax return on assets | 0.1813% | 5,639 |
| Return on Equity (ROE) | 1.7077% | 5,576 |
| Retained earnings to average equity (ytd only) | 0.7950% | 5,063 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3732% | 254 |
| Assets per employee ($millions) | 3.9159% | 4,066 |
| Cash dividends to net income (ytd only)* | 53.4483% | 1,811 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9687% | 4,679 |
| Loan loss allowance to noncurrent loans | 1,423.7288% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,388 |
| Noncurrent loans to loans | 0.0680% | 5,179 |
| Net loans and leases to total assets | 66.4500% | 3,016 |
| Net loans and leases to deposits | 77.0452% | 3,266 |
| Net loans and leases to core deposits | 77.4329% | 3,694 |
| Total domestic deposits to total assets | 86.2480% | 2,297 |
| Equity capital to assets | 10.6071% | 3,523 |
| Core capital (leverage) ratio | 10.4827% | 2,993 |
| Tier 1 risk-based capital ratio | 23.7345% | 928 |
| Total risk-based capital ratio | 24.9874% | 905 |
| Memoranda: |
| Average total assets | $127,952,000 | 3,918 |
| Average earning assets | $119,862,000 | 3,882 |
| Average equity | $13,585,670 | 4,060 |
| Average total loans | $87,314,000 | 3,660 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3453% | 5,232 |
| Cost of funding earning assets | 0.6610% | 989 |
| Net interest margin | 2.6843% | 5,637 |
| Noninterest income to average assets | 0.2859% | 4,680 |
| Noninterest expense to average assets | 2.7491% | 3,241 |
| Loan and lease loss provision to assets | 0.0471% | 2,976 |
| Net operating income to assets | 0.0031% | 5,782 |
| Return on assets (ROA) | 0.3393% | 5,273 |
| Pretax return on assets | 0.3393% | 5,434 |
| Return on Equity (ROE) | 3.1941% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.1941% | 3,907 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2043% | 338 |
| Assets per employee ($millions) | 3.9889% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9390% | 4,908 |
| Loan loss allowance to noncurrent loans | 348.1013% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 4,822 |
| Noncurrent loans to loans | 0.2697% | 4,467 |
| Net loans and leases to total assets | 68.1873% | 2,623 |
| Net loans and leases to deposits | 77.0887% | 3,097 |
| Net loans and leases to core deposits | 77.4695% | 3,546 |
| Total domestic deposits to total assets | 88.4530% | 1,375 |
| Equity capital to assets | 10.6687% | 3,294 |
| Core capital (leverage) ratio | 10.7548% | 2,670 |
| Tier 1 risk-based capital ratio | 23.9475% | 918 |
| Total risk-based capital ratio | 25.1996% | 908 |
| Memoranda: |
| Average total assets | $127,315,500 | 3,954 |
| Average earning assets | $119,212,000 | 3,925 |
| Average equity | $13,525,000 | 4,074 |
| Average total loans | $87,616,000 | 3,661 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4120% | 5,128 |
| Cost of funding earning assets | 0.6737% | 942 |
| Net interest margin | 2.7383% | 5,609 |
| Noninterest income to average assets | 0.3139% | 4,647 |
| Noninterest expense to average assets | 2.6863% | 3,624 |
| Loan and lease loss provision to assets | 0.0478% | 3,373 |
| Net operating income to assets | 0.1609% | 5,658 |
| Return on assets (ROA) | 0.3290% | 5,360 |
| Pretax return on assets | 0.3059% | 5,509 |
| Return on Equity (ROE) | 3.0691% | 5,281 |
| Retained earnings to average equity (ytd only) | 1.4491% | 4,905 |
| Net charge-offs to loans | 0.0657% | 2,920 |
| Credit loss provision to net charge-offs | 107.1429% | 2,348 |
| Earnings coverage of net charge-offs (x) | 4.1607% | 3,604 |
| Efficiency ratio | 93.5368% | 502 |
| Assets per employee ($millions) | 4.3789% | 3,256 |
| Cash dividends to net income (ytd only)* | 52.7845% | 2,149 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9271% | 4,985 |
| Loan loss allowance to noncurrent loans | 1,421.0526% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 5,499 |
| Noncurrent loans to loans | 0.0652% | 5,249 |
| Net loans and leases to total assets | 68.1645% | 2,682 |
| Net loans and leases to deposits | 78.7002% | 2,975 |
| Net loans and leases to core deposits | 78.8824% | 3,454 |
| Total domestic deposits to total assets | 86.6128% | 2,318 |
| Equity capital to assets | 10.5775% | 3,279 |
| Core capital (leverage) ratio | 10.8428% | 2,570 |
| Tier 1 risk-based capital ratio | 22.7173% | 1,049 |
| Total risk-based capital ratio | 23.9681% | 1,037 |
| Memoranda: |
| Average total assets | $125,526,600 | 3,972 |
| Average earning assets | $117,261,400 | 3,943 |
| Average equity | $13,456,600 | 4,054 |
| Average total loans | $85,257,200 | 3,695 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4301% | 5,137 |
| Cost of funding earning assets | 0.6732% | 968 |
| Net interest margin | 2.7569% | 5,650 |
| Noninterest income to average assets | 0.3281% | 4,587 |
| Noninterest expense to average assets | 2.8325% | 3,066 |
| Loan and lease loss provision to assets | 0.0479% | 3,244 |
| Net operating income to assets | 0.0213% | 5,919 |
| Return on assets (ROA) | 0.2450% | 5,661 |
| Pretax return on assets | 0.2450% | 5,728 |
| Return on Equity (ROE) | 2.2778% | 5,612 |
| Retained earnings to average equity (ytd only) | 1.7133% | 5,014 |
| Net charge-offs to loans | 0.0818% | 2,381 |
| Credit loss provision to net charge-offs | 86.5385% | 2,515 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 3,862 |
| Efficiency ratio | 97.6138% | 366 |
| Assets per employee ($millions) | 4.2744% | 3,373 |
| Cash dividends to net income (ytd only)* | 24.7831% | 3,035 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9253% | 5,096 |
| Loan loss allowance to noncurrent loans | 605.3030% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 5,255 |
| Noncurrent loans to loans | 0.1529% | 5,027 |
| Net loans and leases to total assets | 69.0196% | 2,534 |
| Net loans and leases to deposits | 78.2312% | 3,076 |
| Net loans and leases to core deposits | 79.5049% | 3,461 |
| Total domestic deposits to total assets | 88.2251% | 1,435 |
| Equity capital to assets | 10.8891% | 3,140 |
| Core capital (leverage) ratio | 10.7915% | 2,726 |
| Tier 1 risk-based capital ratio | 22.6979% | 1,097 |
| Total risk-based capital ratio | 23.9497% | 1,076 |
| Memoranda: |
| Average total assets | $125,161,500 | 4,018 |
| Average earning assets | $116,844,250 | 3,986 |
| Average equity | $13,462,750 | 4,097 |
| Average total loans | $84,729,000 | 3,738 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4336% | 5,150 |
| Cost of funding earning assets | 0.6673% | 1,008 |
| Net interest margin | 2.7664% | 5,682 |
| Noninterest income to average assets | 0.3218% | 4,648 |
| Noninterest expense to average assets | 2.8480% | 3,074 |
| Loan and lease loss provision to assets | 0.0478% | 3,164 |
| Net operating income to assets | 0.0080% | 5,981 |
| Return on assets (ROA) | 0.1354% | 5,873 |
| Pretax return on assets | 0.1354% | 5,899 |
| Return on Equity (ROE) | 1.2638% | 5,843 |
| Retained earnings to average equity (ytd only) | 0.4163% | 5,379 |
| Net charge-offs to loans | 0.0641% | 2,463 |
| Credit loss provision to net charge-offs | 111.1111% | 1,911 |
| Earnings coverage of net charge-offs (x) | 1.2963% | 3,540 |
| Efficiency ratio | 98.0801% | 376 |
| Assets per employee ($millions) | 4.1223% | 3,635 |
| Cash dividends to net income (ytd only)* | 67.0588% | 1,296 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9426% | 5,125 |
| Loan loss allowance to noncurrent loans | 777.8846% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 5,472 |
| Noncurrent loans to loans | 0.1212% | 5,275 |
| Net loans and leases to total assets | 66.5282% | 2,864 |
| Net loans and leases to deposits | 77.7206% | 3,068 |
| Net loans and leases to core deposits | 78.9857% | 3,485 |
| Total domestic deposits to total assets | 85.5991% | 2,877 |
| Equity capital to assets | 10.3951% | 3,565 |
| Core capital (leverage) ratio | 10.7662% | 2,664 |
| Tier 1 risk-based capital ratio | 22.2298% | 1,168 |
| Total risk-based capital ratio | 23.4807% | 1,152 |
| Memoranda: |
| Average total assets | $125,562,330 | 4,045 |
| Average earning assets | $117,193,330 | 4,009 |
| Average equity | $13,451,000 | 4,128 |
| Average total loans | $84,187,000 | 3,780 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4984% | 4,970 |
| Cost of funding earning assets | 0.6652% | 1,018 |
| Net interest margin | 2.8332% | 5,584 |
| Noninterest income to average assets | 0.3150% | 4,671 |
| Noninterest expense to average assets | 2.9828% | 2,635 |
| Loan and lease loss provision to assets | 0.0482% | 2,970 |
| Net operating income to assets | -0.0739% | 6,076 |
| Return on assets (ROA) | -0.0739% | 6,111 |
| Pretax return on assets | -0.0739% | 6,101 |
| Return on Equity (ROE) | -0.6797% | 6,107 |
| Retained earnings to average equity (ytd only) | -0.6797% | 5,498 |
| Net charge-offs to loans | 0.0336% | 2,527 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | -1.1429% | 3,181 |
| Efficiency ratio | 100.8696% | 347 |
| Assets per employee ($millions) | 4.0303% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9633% | 5,197 |
| Loan loss allowance to noncurrent loans | 365.0224% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 5,168 |
| Noncurrent loans to loans | 0.2639% | 4,837 |
| Net loans and leases to total assets | 66.9860% | 2,609 |
| Net loans and leases to deposits | 77.0089% | 2,940 |
| Net loans and leases to core deposits | 78.2700% | 3,350 |
| Total domestic deposits to total assets | 86.9847% | 2,375 |
| Equity capital to assets | 10.8694% | 3,120 |
| Core capital (leverage) ratio | 10.8309% | 2,592 |
| Tier 1 risk-based capital ratio | 21.5503% | 1,312 |
| Total risk-based capital ratio | 22.8014% | 1,283 |
| Memoranda: |
| Average total assets | $124,448,000 | 4,092 |
| Average earning assets | $116,051,500 | 4,061 |
| Average equity | $13,534,500 | 4,144 |
| Average total loans | $83,367,500 | 3,811 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4789% | 5,368 |
| Cost of funding earning assets | 0.6834% | 1,194 |
| Net interest margin | 2.7956% | 5,816 |
| Noninterest income to average assets | 0.3795% | 4,346 |
| Noninterest expense to average assets | 2.7992% | 3,487 |
| Loan and lease loss provision to assets | 0.0481% | 3,607 |
| Net operating income to assets | 0.1420% | 5,892 |
| Return on assets (ROA) | 0.3859% | 5,335 |
| Pretax return on assets | 0.3755% | 5,547 |
| Return on Equity (ROE) | 3.6696% | 5,244 |
| Retained earnings to average equity (ytd only) | 1.9683% | 4,810 |
| Net charge-offs to loans | 0.1262% | 2,765 |
| Credit loss provision to net charge-offs | 61.2245% | 3,265 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 4,201 |
| Efficiency ratio | 93.9671% | 599 |
| Assets per employee ($millions) | 3.9986% | 3,957 |
| Cash dividends to net income (ytd only)* | 46.3617% | 2,495 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9802% | 5,155 |
| Loan loss allowance to noncurrent loans | 304.1509% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 5,172 |
| Noncurrent loans to loans | 0.3223% | 4,687 |
| Net loans and leases to total assets | 65.6868% | 2,949 |
| Net loans and leases to deposits | 75.9694% | 3,203 |
| Net loans and leases to core deposits | 77.4221% | 3,574 |
| Total domestic deposits to total assets | 86.4648% | 2,591 |
| Equity capital to assets | 10.8819% | 3,032 |
| Core capital (leverage) ratio | 10.7226% | 2,698 |
| Tier 1 risk-based capital ratio | 21.5095% | 1,311 |
| Total risk-based capital ratio | 22.7609% | 1,282 |
| Memoranda: |
| Average total assets | $124,640,800 | 4,087 |
| Average earning assets | $115,897,800 | 4,053 |
| Average equity | $13,107,800 | 4,169 |
| Average total loans | $77,665,000 | 3,942 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4608% | 5,471 |
| Cost of funding earning assets | 0.6913% | 1,194 |
| Net interest margin | 2.7696% | 5,909 |
| Noninterest income to average assets | 0.3910% | 4,315 |
| Noninterest expense to average assets | 2.8800% | 3,194 |
| Loan and lease loss provision to assets | 0.0481% | 3,415 |
| Net operating income to assets | 0.0385% | 6,106 |
| Return on assets (ROA) | 0.3536% | 5,487 |
| Pretax return on assets | 0.3611% | 5,654 |
| Return on Equity (ROE) | 3.3915% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.7563% | 4,633 |
| Net charge-offs to loans | 0.1707% | 2,088 |
| Credit loss provision to net charge-offs | 45.9184% | 3,178 |
| Earnings coverage of net charge-offs (x) | 0.8368% | 4,305 |
| Efficiency ratio | 97.0482% | 466 |
| Assets per employee ($millions) | 3.9148% | 4,051 |
| Cash dividends to net income (ytd only)* | 18.7302% | 3,259 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0186% | 5,129 |
| Loan loss allowance to noncurrent loans | 303.0651% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 5,391 |
| Noncurrent loans to loans | 0.3361% | 4,891 |
| Net loans and leases to total assets | 61.3585% | 3,578 |
| Net loans and leases to deposits | 69.3227% | 3,990 |
| Net loans and leases to core deposits | 70.6084% | 4,275 |
| Total domestic deposits to total assets | 88.5114% | 1,492 |
| Equity capital to assets | 10.6472% | 3,372 |
| Core capital (leverage) ratio | 10.7342% | 2,782 |
| Tier 1 risk-based capital ratio | 21.0583% | 1,442 |
| Total risk-based capital ratio | 22.3093% | 1,417 |
| Memoranda: |
| Average total assets | $124,811,500 | 4,125 |
| Average earning assets | $116,115,500 | 4,088 |
| Average equity | $13,012,500 | 4,220 |
| Average total loans | $76,523,750 | 4,010 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4639% | 5,492 |
| Cost of funding earning assets | 0.7066% | 1,161 |
| Net interest margin | 2.7573% | 5,978 |
| Noninterest income to average assets | 0.3353% | 4,742 |
| Noninterest expense to average assets | 2.8879% | 3,208 |
| Loan and lease loss provision to assets | 0.0481% | 3,347 |
| Net operating income to assets | -0.0369% | 6,211 |
| Return on assets (ROA) | 0.4316% | 5,176 |
| Pretax return on assets | 0.4428% | 5,442 |
| Return on Equity (ROE) | 4.1692% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.2858% | 4,113 |
| Net charge-offs to loans | 0.1234% | 2,438 |
| Credit loss provision to net charge-offs | 63.8298% | 2,581 |
| Earnings coverage of net charge-offs (x) | 0.1064% | 4,114 |
| Efficiency ratio | 99.7230% | 414 |
| Assets per employee ($millions) | 3.8933% | 4,074 |
| Cash dividends to net income (ytd only)* | 21.1896% | 3,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0793% | 4,988 |
| Loan loss allowance to noncurrent loans | 280.3390% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 4,679 |
| Noncurrent loans to loans | 0.3850% | 4,838 |
| Net loans and leases to total assets | 60.8399% | 3,589 |
| Net loans and leases to deposits | 68.7055% | 3,966 |
| Net loans and leases to core deposits | 69.9857% | 4,270 |
| Total domestic deposits to total assets | 88.5517% | 1,606 |
| Equity capital to assets | 10.5839% | 3,335 |
| Core capital (leverage) ratio | 10.7582% | 2,662 |
| Tier 1 risk-based capital ratio | 21.1762% | 1,419 |
| Total risk-based capital ratio | 22.4269% | 1,390 |
| Memoranda: |
| Average total assets | $124,658,000 | 4,144 |
| Average earning assets | $115,764,000 | 4,113 |
| Average equity | $12,904,000 | 4,237 |
| Average total loans | $76,146,330 | 4,035 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4940% | 5,443 |
| Cost of funding earning assets | 0.7285% | 1,083 |
| Net interest margin | 2.7655% | 6,006 |
| Noninterest income to average assets | 0.3112% | 4,877 |
| Noninterest expense to average assets | 2.8839% | 3,272 |
| Loan and lease loss provision to assets | 0.0481% | 3,131 |
| Net operating income to assets | -0.0545% | 6,249 |
| Return on assets (ROA) | 0.8918% | 2,758 |
| Pretax return on assets | 0.9142% | 3,650 |
| Return on Equity (ROE) | 8.7127% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.7127% | 1,343 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1114% | 465 |
| Assets per employee ($millions) | 4.1213% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1322% | 4,969 |
| Loan loss allowance to noncurrent loans | 150.4378% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 4,755 |
| Noncurrent loans to loans | 0.7526% | 3,985 |
| Net loans and leases to total assets | 60.6707% | 3,448 |
| Net loans and leases to deposits | 68.4060% | 3,814 |
| Net loans and leases to core deposits | 69.8592% | 4,111 |
| Total domestic deposits to total assets | 88.6920% | 1,838 |
| Equity capital to assets | 10.5154% | 3,234 |
| Core capital (leverage) ratio | 10.8377% | 2,553 |
| Tier 1 risk-based capital ratio | 21.4984% | 1,374 |
| Total risk-based capital ratio | 22.7313% | 1,353 |
| Memoranda: |
| Average total assets | $124,694,000 | 4,174 |
| Average earning assets | $115,856,500 | 4,145 |
| Average equity | $12,763,000 | 4,281 |
| Average total loans | $75,907,000 | 4,071 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6878% | 5,171 |
| Cost of funding earning assets | 0.8164% | 1,112 |
| Net interest margin | 2.8715% | 5,847 |
| Noninterest income to average assets | 0.3802% | 4,593 |
| Noninterest expense to average assets | 2.7311% | 3,988 |
| Loan and lease loss provision to assets | 0.0753% | 3,600 |
| Net operating income to assets | 0.2483% | 5,693 |
| Return on assets (ROA) | 0.5385% | 4,689 |
| Pretax return on assets | 0.5385% | 5,077 |
| Return on Equity (ROE) | 5.3457% | 4,475 |
| Retained earnings to average equity (ytd only) | 3.6665% | 3,610 |
| Net charge-offs to loans | 0.0780% | 4,127 |
| Credit loss provision to net charge-offs | 161.6667% | 1,420 |
| Earnings coverage of net charge-offs (x) | 6.9500% | 2,945 |
| Efficiency ratio | 89.4082% | 1,074 |
| Assets per employee ($millions) | 3.9297% | 4,000 |
| Cash dividends to net income (ytd only)* | 31.4121% | 3,233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1114% | 5,094 |
| Loan loss allowance to noncurrent loans | 426.2626% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 5,846 |
| Noncurrent loans to loans | 0.2607% | 5,401 |
| Net loans and leases to total assets | 59.7209% | 3,767 |
| Net loans and leases to deposits | 68.5241% | 3,970 |
| Net loans and leases to core deposits | 69.9787% | 4,288 |
| Total domestic deposits to total assets | 87.1531% | 2,643 |
| Equity capital to assets | 9.9602% | 3,824 |
| Core capital (leverage) ratio | 10.4326% | 2,983 |
| Tier 1 risk-based capital ratio | 20.3539% | 1,574 |
| Total risk-based capital ratio | 21.6048% | 1,541 |
| Memoranda: |
| Average total assets | $128,887,400 | 4,091 |
| Average earning assets | $120,043,000 | 4,046 |
| Average equity | $12,982,400 | 4,270 |
| Average total loans | $76,922,600 | 4,030 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7106% | 5,136 |
| Cost of funding earning assets | 0.8339% | 1,130 |
| Net interest margin | 2.8768% | 5,864 |
| Noninterest income to average assets | 0.3928% | 4,586 |
| Noninterest expense to average assets | 2.7299% | 3,903 |
| Loan and lease loss provision to assets | 0.0997% | 3,096 |
| Net operating income to assets | 0.2323% | 5,828 |
| Return on assets (ROA) | 0.6015% | 4,466 |
| Pretax return on assets | 0.6293% | 4,915 |
| Return on Equity (ROE) | 5.9555% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.3752% | 2,817 |
| Net charge-offs to loans | 0.0501% | 4,192 |
| Credit loss provision to net charge-offs | 334.4828% | 767 |
| Earnings coverage of net charge-offs (x) | 11.5506% | 2,228 |
| Efficiency ratio | 88.7960% | 1,104 |
| Assets per employee ($millions) | 3.8639% | 4,104 |
| Cash dividends to net income (ytd only)* | 9.7438% | 3,486 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1485% | 5,128 |
| Loan loss allowance to noncurrent loans | 178.9366% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 5,256 |
| Noncurrent loans to loans | 0.6419% | 4,590 |
| Net loans and leases to total assets | 59.0622% | 3,845 |
| Net loans and leases to deposits | 66.0895% | 4,299 |
| Net loans and leases to core deposits | 66.5421% | 4,665 |
| Total domestic deposits to total assets | 89.3669% | 1,375 |
| Equity capital to assets | 9.8786% | 4,079 |
| Core capital (leverage) ratio | 10.2340% | 3,353 |
| Tier 1 risk-based capital ratio | 20.0003% | 1,739 |
| Total risk-based capital ratio | 21.2324% | 1,716 |
| Memoranda: |
| Average total assets | $129,671,750 | 4,124 |
| Average earning assets | $120,874,250 | 4,081 |
| Average equity | $13,096,750 | 4,295 |
| Average total loans | $77,167,500 | 4,052 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7464% | 4,998 |
| Cost of funding earning assets | 0.8589% | 1,088 |
| Net interest margin | 2.8875% | 5,816 |
| Noninterest income to average assets | 0.4003% | 4,527 |
| Noninterest expense to average assets | 2.7179% | 3,968 |
| Loan and lease loss provision to assets | 0.1120% | 2,943 |
| Net operating income to assets | 0.2506% | 5,778 |
| Return on assets (ROA) | 0.5583% | 4,683 |
| Pretax return on assets | 0.5829% | 5,086 |
| Return on Equity (ROE) | 5.4887% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.6292% | 3,314 |
| Net charge-offs to loans | 0.0826% | 3,543 |
| Credit loss provision to net charge-offs | 228.1250% | 1,078 |
| Earnings coverage of net charge-offs (x) | 7.6250% | 2,520 |
| Efficiency ratio | 87.8968% | 1,231 |
| Assets per employee ($millions) | 3.7133% | 4,376 |
| Cash dividends to net income (ytd only)* | 15.6593% | 3,155 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0965% | 5,460 |
| Loan loss allowance to noncurrent loans | 200.4728% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 5,496 |
| Noncurrent loans to loans | 0.5470% | 4,888 |
| Net loans and leases to total assets | 58.8517% | 3,849 |
| Net loans and leases to deposits | 65.8312% | 4,282 |
| Net loans and leases to core deposits | 66.2716% | 4,665 |
| Total domestic deposits to total assets | 89.3978% | 1,378 |
| Equity capital to assets | 9.8158% | 4,167 |
| Core capital (leverage) ratio | 9.9902% | 3,542 |
| Tier 1 risk-based capital ratio | 19.3263% | 1,903 |
| Total risk-based capital ratio | 20.5581% | 1,875 |
| Memoranda: |
| Average total assets | $130,393,000 | 4,132 |
| Average earning assets | $121,557,000 | 4,089 |
| Average equity | $13,263,670 | 4,284 |
| Average total loans | $77,495,330 | 4,058 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8235% | 4,739 |
| Cost of funding earning assets | 0.8884% | 1,046 |
| Net interest margin | 2.9351% | 5,745 |
| Noninterest income to average assets | 0.4288% | 4,260 |
| Noninterest expense to average assets | 2.8115% | 3,654 |
| Loan and lease loss provision to assets | 0.1501% | 2,368 |
| Net operating income to assets | 0.1991% | 5,898 |
| Return on assets (ROA) | 0.3798% | 5,354 |
| Pretax return on assets | 0.3798% | 5,626 |
| Return on Equity (ROE) | 3.6695% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.6695% | 4,032 |
| Net charge-offs to loans | 0.1650% | 2,409 |
| Credit loss provision to net charge-offs | 153.1250% | 1,344 |
| Earnings coverage of net charge-offs (x) | 3.5625% | 2,740 |
| Efficiency ratio | 88.9535% | 1,237 |
| Assets per employee ($millions) | 3.8095% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0691% | 5,718 |
| Loan loss allowance to noncurrent loans | 115.8931% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 5,022 |
| Noncurrent loans to loans | 0.9225% | 4,292 |
| Net loans and leases to total assets | 58.8683% | 3,634 |
| Net loans and leases to deposits | 66.4644% | 3,994 |
| Net loans and leases to core deposits | 66.9130% | 4,421 |
| Total domestic deposits to total assets | 88.5711% | 1,961 |
| Equity capital to assets | 10.4020% | 3,669 |
| Core capital (leverage) ratio | 9.8274% | 3,630 |
| Tier 1 risk-based capital ratio | 19.0038% | 2,039 |
| Total risk-based capital ratio | 20.2353% | 2,019 |
| Memoranda: |
| Average total assets | $130,607,500 | 4,170 |
| Average earning assets | $121,564,500 | 4,125 |
| Average equity | $13,517,000 | 4,282 |
| Average total loans | $77,576,000 | 4,079 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1568% | 4,746 |
| Cost of funding earning assets | 1.1934% | 602 |
| Net interest margin | 2.9635% | 6,113 |
| Noninterest income to average assets | 0.5173% | 3,789 |
| Noninterest expense to average assets | 2.6904% | 4,429 |
| Loan and lease loss provision to assets | 0.1071% | 4,296 |
| Net operating income to assets | 0.4333% | 4,958 |
| Return on assets (ROA) | 0.7307% | 3,849 |
| Pretax return on assets | 0.8173% | 4,233 |
| Return on Equity (ROE) | 7.2824% | 3,473 |
| Retained earnings to average equity (ytd only) | 4.9886% | 2,715 |
| Net charge-offs to loans | 0.1842% | 3,911 |
| Credit loss provision to net charge-offs | 95.9184% | 3,236 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 3,082 |
| Efficiency ratio | 82.0097% | 1,865 |
| Assets per employee ($millions) | 3.8733% | 4,218 |
| Cash dividends to net income (ytd only)* | 31.4969% | 3,304 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0336% | 5,837 |
| Loan loss allowance to noncurrent loans | 119.7329% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 5,195 |
| Noncurrent loans to loans | 0.8632% | 4,456 |
| Net loans and leases to total assets | 58.6771% | 3,858 |
| Net loans and leases to deposits | 66.2685% | 4,242 |
| Net loans and leases to core deposits | 66.7072% | 4,670 |
| Total domestic deposits to total assets | 88.5445% | 1,876 |
| Equity capital to assets | 10.2975% | 3,763 |
| Core capital (leverage) ratio | 9.6384% | 3,907 |
| Tier 1 risk-based capital ratio | 18.5376% | 2,094 |
| Total risk-based capital ratio | 19.7404% | 2,073 |
| Memoranda: |
| Average total assets | $131,655,400 | 4,112 |
| Average earning assets | $122,761,800 | 4,044 |
| Average equity | $13,210,000 | 4,313 |
| Average total loans | $79,814,200 | 4,047 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2187% | 4,750 |
| Cost of funding earning assets | 1.2495% | 553 |
| Net interest margin | 2.9692% | 6,232 |
| Noninterest income to average assets | 0.5034% | 3,908 |
| Noninterest expense to average assets | 2.8216% | 3,908 |
| Loan and lease loss provision to assets | 0.1185% | 4,069 |
| Net operating income to assets | 0.3269% | 5,516 |
| Return on assets (ROA) | 0.6077% | 4,615 |
| Pretax return on assets | 0.6168% | 5,119 |
| Return on Equity (ROE) | 6.0964% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.4055% | 3,095 |
| Net charge-offs to loans | 0.0199% | 5,388 |
| Credit loss provision to net charge-offs | 975.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 37.1656% | 933 |
| Efficiency ratio | 86.2005% | 1,361 |
| Assets per employee ($millions) | 3.7372% | 4,454 |
| Cash dividends to net income (ytd only)* | 11.3328% | 3,374 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1656% | 5,452 |
| Loan loss allowance to noncurrent loans | 121.1082% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 5,215 |
| Noncurrent loans to loans | 0.9625% | 4,508 |
| Net loans and leases to total assets | 59.5090% | 3,879 |
| Net loans and leases to deposits | 67.4071% | 4,272 |
| Net loans and leases to core deposits | 67.8560% | 4,739 |
| Total domestic deposits to total assets | 88.2831% | 1,858 |
| Equity capital to assets | 10.3362% | 4,034 |
| Core capital (leverage) ratio | 9.5027% | 4,266 |
| Tier 1 risk-based capital ratio | 18.1717% | 2,273 |
| Total risk-based capital ratio | 19.4033% | 2,259 |
| Memoranda: |
| Average total assets | $131,646,250 | 4,143 |
| Average earning assets | $122,815,250 | 4,082 |
| Average equity | $13,122,250 | 4,376 |
| Average total loans | $80,247,750 | 4,074 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2612% | 4,718 |
| Cost of funding earning assets | 1.3125% | 496 |
| Net interest margin | 2.9487% | 6,342 |
| Noninterest income to average assets | 0.4806% | 4,053 |
| Noninterest expense to average assets | 2.8106% | 3,978 |
| Loan and lease loss provision to assets | 0.1410% | 3,754 |
| Net operating income to assets | 0.2574% | 5,742 |
| Return on assets (ROA) | 0.6564% | 4,342 |
| Pretax return on assets | 0.7019% | 4,826 |
| Return on Equity (ROE) | 6.6668% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.6199% | 2,919 |
| Net charge-offs to loans | 0.0322% | 4,924 |
| Credit loss provision to net charge-offs | 715.3846% | 442 |
| Earnings coverage of net charge-offs (x) | 21.2308% | 1,354 |
| Efficiency ratio | 87.0423% | 1,332 |
| Assets per employee ($millions) | 3.7907% | 4,337 |
| Cash dividends to net income (ytd only)* | 15.7044% | 3,124 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1217% | 5,686 |
| Loan loss allowance to noncurrent loans | 139.7496% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 5,493 |
| Noncurrent loans to loans | 0.8026% | 4,900 |
| Net loans and leases to total assets | 59.3325% | 3,935 |
| Net loans and leases to deposits | 66.6921% | 4,418 |
| Net loans and leases to core deposits | 67.1249% | 4,885 |
| Total domestic deposits to total assets | 88.9648% | 1,524 |
| Equity capital to assets | 9.9272% | 4,452 |
| Core capital (leverage) ratio | 9.3931% | 4,307 |
| Tier 1 risk-based capital ratio | 17.8263% | 2,351 |
| Total risk-based capital ratio | 19.0581% | 2,325 |
| Memoranda: |
| Average total assets | $131,927,670 | 4,162 |
| Average earning assets | $122,970,000 | 4,101 |
| Average equity | $12,989,670 | 4,395 |
| Average total loans | $80,744,670 | 4,084 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3336% | 4,594 |
| Cost of funding earning assets | 1.4042% | 420 |
| Net interest margin | 2.9293% | 6,438 |
| Noninterest income to average assets | 0.5108% | 3,844 |
| Noninterest expense to average assets | 2.7152% | 4,373 |
| Loan and lease loss provision to assets | 0.0730% | 4,487 |
| Net operating income to assets | 0.3893% | 5,301 |
| Return on assets (ROA) | 0.6750% | 4,220 |
| Pretax return on assets | 0.7784% | 4,499 |
| Return on Equity (ROE) | 6.8843% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.8843% | 2,488 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8498% | 1,704 |
| Assets per employee ($millions) | 3.8716% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0357% | 6,132 |
| Loan loss allowance to noncurrent loans | 167.0659% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 5,705 |
| Noncurrent loans to loans | 0.6199% | 5,416 |
| Net loans and leases to total assets | 60.7589% | 3,501 |
| Net loans and leases to deposits | 68.1743% | 4,029 |
| Net loans and leases to core deposits | 68.6170% | 4,608 |
| Total domestic deposits to total assets | 89.1230% | 1,623 |
| Equity capital to assets | 9.8333% | 4,328 |
| Core capital (leverage) ratio | 9.2985% | 4,371 |
| Tier 1 risk-based capital ratio | 17.7191% | 2,396 |
| Total risk-based capital ratio | 18.9477% | 2,378 |
| Memoranda: |
| Average total assets | $131,553,500 | 4,198 |
| Average earning assets | $122,485,500 | 4,144 |
| Average equity | $12,899,000 | 4,422 |
| Average total loans | $81,310,500 | 4,084 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6464% | 4,469 |
| Cost of funding earning assets | 1.5496% | 587 |
| Net interest margin | 3.0968% | 6,354 |
| Noninterest income to average assets | 0.4764% | 4,019 |
| Noninterest expense to average assets | 2.6775% | 4,826 |
| Loan and lease loss provision to assets | 0.1066% | 5,260 |
| Net operating income to assets | 0.5387% | 4,278 |
| Return on assets (ROA) | 0.6022% | 4,177 |
| Pretax return on assets | 0.6782% | 4,415 |
| Return on Equity (ROE) | 6.4259% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.6332% | 2,890 |
| Net charge-offs to loans | 0.0691% | 5,617 |
| Credit loss provision to net charge-offs | 248.2143% | 974 |
| Earnings coverage of net charge-offs (x) | 16.6071% | 1,315 |
| Efficiency ratio | 78.9593% | 2,459 |
| Assets per employee ($millions) | 3.7563% | 4,418 |
| Cash dividends to net income (ytd only)* | 27.8981% | 3,207 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9938% | 6,255 |
| Loan loss allowance to noncurrent loans | 160.6719% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4647% | 5,804 |
| Noncurrent loans to loans | 0.6186% | 5,474 |
| Net loans and leases to total assets | 61.6032% | 3,679 |
| Net loans and leases to deposits | 69.2391% | 4,239 |
| Net loans and leases to core deposits | 69.6883% | 4,821 |
| Total domestic deposits to total assets | 88.9718% | 1,556 |
| Equity capital to assets | 9.7770% | 4,476 |
| Core capital (leverage) ratio | 9.1305% | 4,574 |
| Tier 1 risk-based capital ratio | 17.3945% | 2,420 |
| Total risk-based capital ratio | 18.5940% | 2,416 |
| Memoranda: |
| Average total assets | $130,344,800 | 4,164 |
| Average earning assets | $122,676,600 | 4,077 |
| Average equity | $12,216,200 | 4,497 |
| Average total loans | $81,040,600 | 4,115 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7015% | 4,459 |
| Cost of funding earning assets | 1.5704% | 662 |
| Net interest margin | 3.1311% | 6,342 |
| Noninterest income to average assets | 0.5033% | 3,848 |
| Noninterest expense to average assets | 2.8068% | 4,319 |
| Loan and lease loss provision to assets | 0.0666% | 5,622 |
| Net operating income to assets | 0.5413% | 4,357 |
| Return on assets (ROA) | 0.6356% | 4,125 |
| Pretax return on assets | 0.6879% | 4,525 |
| Return on Equity (ROE) | 6.8563% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.2260% | 2,417 |
| Net charge-offs to loans | 0.0214% | 5,855 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 48.9313% | 659 |
| Efficiency ratio | 81.1500% | 2,091 |
| Assets per employee ($millions) | 3.5746% | 4,815 |
| Cash dividends to net income (ytd only)* | 9.1937% | 3,293 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9741% | 6,376 |
| Loan loss allowance to noncurrent loans | 158.2996% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 5,957 |
| Noncurrent loans to loans | 0.6153% | 5,661 |
| Net loans and leases to total assets | 60.1089% | 4,109 |
| Net loans and leases to deposits | 67.4873% | 4,693 |
| Net loans and leases to core deposits | 67.6314% | 5,219 |
| Total domestic deposits to total assets | 89.0670% | 1,394 |
| Equity capital to assets | 9.7384% | 4,724 |
| Core capital (leverage) ratio | 9.1047% | 4,780 |
| Tier 1 risk-based capital ratio | 17.7582% | 2,348 |
| Total risk-based capital ratio | 18.9372% | 2,335 |
| Memoranda: |
| Average total assets | $130,063,000 | 4,196 |
| Average earning assets | $122,767,000 | 4,101 |
| Average equity | $12,056,750 | 4,556 |
| Average total loans | $80,849,750 | 4,149 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7681% | 4,220 |
| Cost of funding earning assets | 1.5855% | 741 |
| Net interest margin | 3.1826% | 6,215 |
| Noninterest income to average assets | 0.5474% | 3,489 |
| Noninterest expense to average assets | 2.8330% | 4,301 |
| Loan and lease loss provision to assets | 0.0464% | 5,727 |
| Net operating income to assets | 0.6263% | 3,924 |
| Return on assets (ROA) | 0.6263% | 4,052 |
| Pretax return on assets | 0.6696% | 4,501 |
| Return on Equity (ROE) | 6.8747% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.8902% | 2,495 |
| Net charge-offs to loans | 0.0321% | 5,397 |
| Credit loss provision to net charge-offs | 230.7692% | 1,303 |
| Earnings coverage of net charge-offs (x) | 35.6154% | 811 |
| Efficiency ratio | 79.8257% | 2,414 |
| Assets per employee ($millions) | 3.5104% | 4,918 |
| Cash dividends to net income (ytd only)* | 14.3210% | 3,028 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9140% | 6,620 |
| Loan loss allowance to noncurrent loans | 145.4191% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 5,965 |
| Noncurrent loans to loans | 0.6285% | 5,664 |
| Net loans and leases to total assets | 62.2669% | 3,834 |
| Net loans and leases to deposits | 69.5678% | 4,490 |
| Net loans and leases to core deposits | 69.7183% | 5,104 |
| Total domestic deposits to total assets | 89.5054% | 1,238 |
| Equity capital to assets | 9.4560% | 4,879 |
| Core capital (leverage) ratio | 9.1677% | 4,463 |
| Tier 1 risk-based capital ratio | 17.1893% | 2,443 |
| Total risk-based capital ratio | 18.2988% | 2,475 |
| Memoranda: |
| Average total assets | $129,330,670 | 4,242 |
| Average earning assets | $121,977,330 | 4,146 |
| Average equity | $11,782,330 | 4,618 |
| Average total loans | $81,039,000 | 4,178 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8154% | 3,991 |
| Cost of funding earning assets | 1.6194% | 760 |
| Net interest margin | 3.1960% | 6,080 |
| Noninterest income to average assets | 0.7098% | 2,523 |
| Noninterest expense to average assets | 2.8670% | 4,209 |
| Loan and lease loss provision to assets | 0.0465% | 5,421 |
| Net operating income to assets | 0.7625% | 3,205 |
| Return on assets (ROA) | 0.7625% | 3,273 |
| Pretax return on assets | 0.8059% | 3,881 |
| Return on Equity (ROE) | 8.5324% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.5324% | 1,546 |
| Net charge-offs to loans | 0.0694% | 4,235 |
| Credit loss provision to net charge-offs | 107.1429% | 2,486 |
| Earnings coverage of net charge-offs (x) | 19.6429% | 1,132 |
| Efficiency ratio | 77.0833% | 2,972 |
| Assets per employee ($millions) | 3.5555% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9046% | 6,686 |
| Loan loss allowance to noncurrent loans | 145.0397% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 5,929 |
| Noncurrent loans to loans | 0.6237% | 5,788 |
| Net loans and leases to total assets | 62.5606% | 3,743 |
| Net loans and leases to deposits | 69.4552% | 4,441 |
| Net loans and leases to core deposits | 69.4552% | 5,118 |
| Total domestic deposits to total assets | 90.0734% | 1,110 |
| Equity capital to assets | 9.0977% | 5,057 |
| Core capital (leverage) ratio | 9.0324% | 4,564 |
| Tier 1 risk-based capital ratio | 17.1270% | 2,424 |
| Total risk-based capital ratio | 18.2202% | 2,461 |
| Memoranda: |
| Average total assets | $129,053,000 | 4,277 |
| Average earning assets | $121,527,000 | 4,183 |
| Average equity | $11,532,500 | 4,658 |
| Average total loans | $80,747,500 | 4,231 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9780% | 4,660 |
| Cost of funding earning assets | 1.8089% | 1,132 |
| Net interest margin | 3.1691% | 6,340 |
| Noninterest income to average assets | 0.4058% | 4,866 |
| Noninterest expense to average assets | 2.6481% | 5,226 |
| Loan and lease loss provision to assets | 0.1579% | 5,628 |
| Net operating income to assets | 0.4824% | 4,187 |
| Return on assets (ROA) | 0.6341% | 3,666 |
| Pretax return on assets | 0.7568% | 3,775 |
| Return on Equity (ROE) | 7.1262% | 3,055 |
| Retained earnings to average equity (ytd only) | 5.2018% | 2,306 |
| Net charge-offs to loans | 0.0677% | 6,122 |
| Credit loss provision to net charge-offs | 381.1321% | 655 |
| Earnings coverage of net charge-offs (x) | 17.7170% | 1,134 |
| Efficiency ratio | 78.2940% | 2,655 |
| Assets per employee ($millions) | 3.6141% | 4,663 |
| Cash dividends to net income (ytd only)* | 27.0037% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9196% | 6,669 |
| Loan loss allowance to noncurrent loans | 142.1456% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6249% | 5,760 |
| Noncurrent loans to loans | 0.6469% | 5,762 |
| Net loans and leases to total assets | 61.4456% | 4,407 |
| Net loans and leases to deposits | 69.9474% | 4,819 |
| Net loans and leases to core deposits | 69.9474% | 5,449 |
| Total domestic deposits to total assets | 87.8454% | 2,342 |
| Equity capital to assets | 8.7774% | 5,472 |
| Core capital (leverage) ratio | 8.6681% | 5,075 |
| Tier 1 risk-based capital ratio | 16.3918% | 2,573 |
| Total risk-based capital ratio | 17.4576% | 2,611 |
| Memoranda: |
| Average total assets | $127,902,800 | 4,318 |
| Average earning assets | $120,127,400 | 4,226 |
| Average equity | $11,380,600 | 4,770 |
| Average total loans | $78,290,200 | 4,383 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0087% | 4,772 |
| Cost of funding earning assets | 1.8268% | 1,318 |
| Net interest margin | 3.1819% | 6,406 |
| Noninterest income to average assets | 0.3957% | 4,992 |
| Noninterest expense to average assets | 2.7063% | 4,853 |
| Loan and lease loss provision to assets | 0.1434% | 5,600 |
| Net operating income to assets | 0.4372% | 4,598 |
| Return on assets (ROA) | 0.6355% | 3,892 |
| Pretax return on assets | 0.7747% | 3,992 |
| Return on Equity (ROE) | 7.1175% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.4374% | 2,121 |
| Net charge-offs to loans | 0.0755% | 5,763 |
| Credit loss provision to net charge-offs | 311.3636% | 1,016 |
| Earnings coverage of net charge-offs (x) | 14.6806% | 1,494 |
| Efficiency ratio | 80.0062% | 2,335 |
| Assets per employee ($millions) | 3.6622% | 4,583 |
| Cash dividends to net income (ytd only)* | 9.5551% | 3,328 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8691% | 6,837 |
| Loan loss allowance to noncurrent loans | 125.8242% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 5,803 |
| Noncurrent loans to loans | 0.6907% | 5,825 |
| Net loans and leases to total assets | 59.4346% | 5,014 |
| Net loans and leases to deposits | 66.3545% | 5,626 |
| Net loans and leases to core deposits | 66.3545% | 6,095 |
| Total domestic deposits to total assets | 89.5714% | 1,084 |
| Equity capital to assets | 9.2021% | 5,306 |
| Core capital (leverage) ratio | 8.8596% | 4,908 |
| Tier 1 risk-based capital ratio | 16.2262% | 2,659 |
| Total risk-based capital ratio | 17.2066% | 2,734 |
| Memoranda: |
| Average total assets | $127,351,750 | 4,383 |
| Average earning assets | $119,548,000 | 4,293 |
| Average equity | $11,370,750 | 4,845 |
| Average total loans | $77,691,000 | 4,478 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1171% | 4,364 |
| Cost of funding earning assets | 1.8560% | 1,403 |
| Net interest margin | 3.2611% | 6,129 |
| Noninterest income to average assets | 0.3909% | 4,984 |
| Noninterest expense to average assets | 2.7365% | 4,754 |
| Loan and lease loss provision to assets | 0.1621% | 5,269 |
| Net operating income to assets | 0.4373% | 4,591 |
| Return on assets (ROA) | 0.7310% | 3,423 |
| Pretax return on assets | 0.9169% | 3,427 |
| Return on Equity (ROE) | 8.2756% | 2,773 |
| Retained earnings to average equity (ytd only) | 7.2322% | 1,739 |
| Net charge-offs to loans | 0.0699% | 5,439 |
| Credit loss provision to net charge-offs | 377.7778% | 956 |
| Earnings coverage of net charge-offs (x) | 16.5926% | 1,392 |
| Efficiency ratio | 79.3548% | 2,522 |
| Assets per employee ($millions) | 3.5157% | 4,884 |
| Cash dividends to net income (ytd only)* | 12.6087% | 3,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8561% | 6,885 |
| Loan loss allowance to noncurrent loans | 136.2525% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 6,122 |
| Noncurrent loans to loans | 0.6283% | 5,988 |
| Net loans and leases to total assets | 61.2176% | 4,837 |
| Net loans and leases to deposits | 68.2120% | 5,537 |
| Net loans and leases to core deposits | 68.2120% | 6,035 |
| Total domestic deposits to total assets | 89.7460% | 1,051 |
| Equity capital to assets | 9.1834% | 5,165 |
| Core capital (leverage) ratio | 8.9110% | 4,740 |
| Tier 1 risk-based capital ratio | 16.0975% | 2,632 |
| Total risk-based capital ratio | 17.0570% | 2,718 |
| Memoranda: |
| Average total assets | $125,856,000 | 4,451 |
| Average earning assets | $117,997,000 | 4,367 |
| Average equity | $11,117,000 | 4,902 |
| Average total loans | $77,239,670 | 4,534 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1488% | 4,302 |
| Cost of funding earning assets | 1.8943% | 1,474 |
| Net interest margin | 3.2546% | 6,118 |
| Noninterest income to average assets | 0.3729% | 5,158 |
| Noninterest expense to average assets | 2.7729% | 4,593 |
| Loan and lease loss provision to assets | 0.2135% | 4,378 |
| Net operating income to assets | 0.3500% | 5,078 |
| Return on assets (ROA) | 0.6598% | 3,728 |
| Pretax return on assets | 0.8191% | 3,790 |
| Return on Equity (ROE) | 7.6215% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.6215% | 1,871 |
| Net charge-offs to loans | 0.1250% | 4,220 |
| Credit loss provision to net charge-offs | 279.1667% | 1,423 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 1,953 |
| Efficiency ratio | 81.0056% | 2,410 |
| Assets per employee ($millions) | 3.5006% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8373% | 7,032 |
| Loan loss allowance to noncurrent loans | 573.8739% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 6,856 |
| Noncurrent loans to loans | 0.1459% | 7,042 |
| Net loans and leases to total assets | 59.8659% | 5,140 |
| Net loans and leases to deposits | 66.3206% | 5,789 |
| Net loans and leases to core deposits | 66.5048% | 6,249 |
| Total domestic deposits to total assets | 90.2674% | 846 |
| Equity capital to assets | 8.8129% | 5,526 |
| Core capital (leverage) ratio | 8.8089% | 4,845 |
| Tier 1 risk-based capital ratio | 16.0315% | 2,644 |
| Total risk-based capital ratio | 16.9577% | 2,723 |
| Memoranda: |
| Average total assets | $125,501,500 | 4,511 |
| Average earning assets | $117,618,500 | 4,429 |
| Average equity | $10,864,000 | 5,014 |
| Average total loans | $76,785,000 | 4,617 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5075% | 4,106 |
| Cost of funding earning assets | 2.1606% | 2,185 |
| Net interest margin | 3.3470% | 5,564 |
| Noninterest income to average assets | 0.4588% | 4,728 |
| Noninterest expense to average assets | 2.8556% | 4,721 |
| Loan and lease loss provision to assets | 0.1560% | 6,112 |
| Net operating income to assets | 0.4279% | 4,014 |
| Return on assets (ROA) | 0.6089% | 3,365 |
| Pretax return on assets | 0.8332% | 3,137 |
| Return on Equity (ROE) | 6.8545% | 2,844 |
| Retained earnings to average equity (ytd only) | 4.8893% | 1,874 |
| Net charge-offs to loans | 0.1180% | 5,994 |
| Credit loss provision to net charge-offs | 203.2967% | 1,908 |
| Earnings coverage of net charge-offs (x) | 9.6593% | 1,769 |
| Efficiency ratio | 79.3904% | 2,973 |
| Assets per employee ($millions) | 3.2890% | 5,516 |
| Cash dividends to net income (ytd only)* | 28.6704% | 3,381 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7666% | 7,214 |
| Loan loss allowance to noncurrent loans | 761.5385% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 6,895 |
| Noncurrent loans to loans | 0.1007% | 7,161 |
| Net loans and leases to total assets | 61.5252% | 5,098 |
| Net loans and leases to deposits | 68.0598% | 5,818 |
| Net loans and leases to core deposits | 82.6181% | 5,858 |
| Total domestic deposits to total assets | 90.3987% | 779 |
| Equity capital to assets | 8.4988% | 5,881 |
| Core capital (leverage) ratio | 8.6969% | 4,929 |
| Tier 1 risk-based capital ratio | 15.3880% | 2,762 |
| Total risk-based capital ratio | 16.2327% | 2,899 |
| Memoranda: |
| Average total assets | $118,575,800 | 4,618 |
| Average earning assets | $111,175,200 | 4,530 |
| Average equity | $10,533,200 | 5,150 |
| Average total loans | $77,124,200 | 4,617 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5760% | 3,999 |
| Cost of funding earning assets | 2.1993% | 2,420 |
| Net interest margin | 3.3767% | 5,359 |
| Noninterest income to average assets | 0.4673% | 4,766 |
| Noninterest expense to average assets | 2.8997% | 4,454 |
| Loan and lease loss provision to assets | 0.1231% | 6,128 |
| Net operating income to assets | 0.4423% | 4,226 |
| Return on assets (ROA) | 0.6828% | 3,322 |
| Pretax return on assets | 0.9461% | 3,072 |
| Return on Equity (ROE) | 7.5982% | 2,815 |
| Retained earnings to average equity (ytd only) | 6.8625% | 1,565 |
| Net charge-offs to loans | 0.1246% | 5,448 |
| Credit loss provision to net charge-offs | 150.0000% | 3,196 |
| Earnings coverage of net charge-offs (x) | 8.9581% | 2,173 |
| Efficiency ratio | 79.7742% | 2,879 |
| Assets per employee ($millions) | 3.3108% | 5,371 |
| Cash dividends to net income (ytd only)* | 9.6826% | 3,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6945% | 7,386 |
| Loan loss allowance to noncurrent loans | 924.1379% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,784 |
| Noncurrent loans to loans | 0.0752% | 7,305 |
| Net loans and leases to total assets | 62.5619% | 5,149 |
| Net loans and leases to deposits | 69.5738% | 5,967 |
| Net loans and leases to core deposits | 83.8098% | 6,052 |
| Total domestic deposits to total assets | 89.9217% | 798 |
| Equity capital to assets | 8.9860% | 5,497 |
| Core capital (leverage) ratio | 9.1426% | 4,427 |
| Tier 1 risk-based capital ratio | 15.2794% | 2,920 |
| Total risk-based capital ratio | 16.0344% | 3,088 |
| Memoranda: |
| Average total assets | $116,974,000 | 4,673 |
| Average earning assets | $109,730,250 | 4,600 |
| Average equity | $10,511,000 | 5,196 |
| Average total loans | $77,032,750 | 4,659 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6909% | 3,595 |
| Cost of funding earning assets | 2.2556% | 2,548 |
| Net interest margin | 3.4353% | 5,046 |
| Noninterest income to average assets | 0.4760% | 4,667 |
| Noninterest expense to average assets | 2.9306% | 4,380 |
| Loan and lease loss provision to assets | 0.1233% | 5,877 |
| Net operating income to assets | 0.4470% | 4,304 |
| Return on assets (ROA) | 0.7730% | 3,063 |
| Pretax return on assets | 1.1170% | 2,574 |
| Return on Equity (ROE) | 8.6029% | 2,512 |
| Retained earnings to average equity (ytd only) | 7.4816% | 1,394 |
| Net charge-offs to loans | 0.0623% | 5,624 |
| Credit loss provision to net charge-offs | 295.8333% | 1,576 |
| Earnings coverage of net charge-offs (x) | 18.4167% | 1,412 |
| Efficiency ratio | 79.2391% | 3,154 |
| Assets per employee ($millions) | 3.1676% | 5,671 |
| Cash dividends to net income (ytd only)* | 13.0337% | 3,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7110% | 7,395 |
| Loan loss allowance to noncurrent loans | 87.5200% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 5,974 |
| Noncurrent loans to loans | 0.8124% | 5,602 |
| Net loans and leases to total assets | 65.1764% | 4,726 |
| Net loans and leases to deposits | 72.3474% | 5,693 |
| Net loans and leases to core deposits | 87.9104% | 5,735 |
| Total domestic deposits to total assets | 90.0881% | 791 |
| Equity capital to assets | 8.8975% | 5,458 |
| Core capital (leverage) ratio | 9.2693% | 4,212 |
| Tier 1 risk-based capital ratio | 15.9237% | 2,651 |
| Total risk-based capital ratio | 16.7384% | 2,750 |
| Memoranda: |
| Average total assets | $115,131,670 | 4,747 |
| Average earning assets | $107,996,330 | 4,678 |
| Average equity | $10,345,330 | 5,268 |
| Average total loans | $76,985,330 | 4,698 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8023% | 3,289 |
| Cost of funding earning assets | 2.3119% | 2,644 |
| Net interest margin | 3.4903% | 4,773 |
| Noninterest income to average assets | 0.4487% | 4,784 |
| Noninterest expense to average assets | 2.8677% | 4,267 |
| Loan and lease loss provision to assets | 0.0316% | 6,538 |
| Net operating income to assets | 0.5609% | 4,179 |
| Return on assets (ROA) | 0.5609% | 4,363 |
| Pretax return on assets | 0.8204% | 4,006 |
| Return on Equity (ROE) | 6.2112% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.2112% | 2,542 |
| Net charge-offs to loans | 0.0675% | 4,525 |
| Credit loss provision to net charge-offs | 69.2308% | 4,369 |
| Earnings coverage of net charge-offs (x) | 18.6923% | 1,453 |
| Efficiency ratio | 77.0971% | 3,318 |
| Assets per employee ($millions) | 3.0582% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6518% | 7,566 |
| Loan loss allowance to noncurrent loans | 99.3988% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 6,019 |
| Noncurrent loans to loans | 0.6557% | 5,769 |
| Net loans and leases to total assets | 66.8145% | 4,384 |
| Net loans and leases to deposits | 75.5096% | 5,292 |
| Net loans and leases to core deposits | 90.0852% | 5,545 |
| Total domestic deposits to total assets | 88.4848% | 1,495 |
| Equity capital to assets | 9.2095% | 5,078 |
| Core capital (leverage) ratio | 9.3794% | 4,132 |
| Tier 1 risk-based capital ratio | 15.7505% | 2,769 |
| Total risk-based capital ratio | 16.4971% | 2,903 |
| Memoranda: |
| Average total assets | $114,096,500 | 4,800 |
| Average earning assets | $106,924,000 | 4,719 |
| Average equity | $10,304,000 | 5,296 |
| Average total loans | $77,010,500 | 4,731 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1703% | 4,667 |
| Cost of funding earning assets | 2.7320% | 3,013 |
| Net interest margin | 3.4383% | 5,512 |
| Noninterest income to average assets | 0.5716% | 4,070 |
| Noninterest expense to average assets | 2.7856% | 4,880 |
| Loan and lease loss provision to assets | 0.0401% | 6,913 |
| Net operating income to assets | 0.6793% | 3,985 |
| Return on assets (ROA) | 0.7363% | 3,569 |
| Pretax return on assets | 1.0325% | 3,264 |
| Return on Equity (ROE) | 8.3376% | 2,923 |
| Retained earnings to average equity (ytd only) | 6.0781% | 1,497 |
| Net charge-offs to loans | 0.1962% | 4,230 |
| Credit loss provision to net charge-offs | 31.2925% | 6,517 |
| Earnings coverage of net charge-offs (x) | 7.7483% | 3,031 |
| Efficiency ratio | 73.7315% | 3,626 |
| Assets per employee ($millions) | 3.1091% | 5,749 |
| Cash dividends to net income (ytd only)* | 27.1006% | 4,214 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6417% | 7,572 |
| Loan loss allowance to noncurrent loans | 91.7431% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 5,743 |
| Noncurrent loans to loans | 0.6994% | 5,282 |
| Net loans and leases to total assets | 67.3004% | 4,588 |
| Net loans and leases to deposits | 74.8043% | 5,759 |
| Net loans and leases to core deposits | 88.0605% | 5,973 |
| Total domestic deposits to total assets | 89.9685% | 653 |
| Equity capital to assets | 8.8553% | 5,556 |
| Core capital (leverage) ratio | 8.9022% | 4,880 |
| Tier 1 risk-based capital ratio | 15.2590% | 2,931 |
| Total risk-based capital ratio | 15.9993% | 3,096 |
| Memoranda: |
| Average total assets | $114,769,400 | 4,649 |
| Average earning assets | $107,028,800 | 4,594 |
| Average equity | $10,134,800 | 5,363 |
| Average total loans | $74,928,400 | 4,693 |
