| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0064% | 3,959 |
| Cost of funding earning assets | 1.2528% | 2,651 |
| Net interest margin | 2.7536% | 3,743 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.0096% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8958% | 2,562 |
| Return on assets (ROA) | 0.9096% | 2,486 |
| Pretax return on assets | 0.9573% | 2,787 |
| Return on Equity (ROE) | 12.1800% | 1,915 |
| Retained earnings to average equity (ytd only) | 5.6207% | 2,375 |
| Net charge-offs to loans | 0.0034% | 2,641 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,573 |
| Earnings coverage of net charge-offs (x) | 519.6667% | 283 |
| Efficiency ratio | 68.0664% | 2,103 |
| Assets per employee ($millions) | 8.8048% | 1,060 |
| Cash dividends to net income (ytd only)* | 53.8564% | 1,458 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5788% | 873 |
| Loan loss allowance to noncurrent loans | 3,180.0000% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 3,507 |
| Noncurrent loans to loans | 0.0496% | 3,371 |
| Net loans and leases to total assets | 53.3200% | 3,396 |
| Net loans and leases to deposits | 69.1216% | 2,940 |
| Net loans and leases to core deposits | 75.0212% | 3,027 |
| Total domestic deposits to total assets | 77.1500% | 3,834 |
| Equity capital to assets | 8.2617% | 3,235 |
| Core capital (leverage) ratio | 14.6687% | 676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $165,353,800 | 3,230 |
| Average earning assets | $158,920,000 | 3,176 |
| Average equity | $12,347,200 | 3,496 |
| Average total loans | $87,540,200 | 3,324 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9747% | 3,892 |
| Cost of funding earning assets | 1.1410% | 2,619 |
| Net interest margin | 2.8338% | 3,671 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 2.0484% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9590% | 2,487 |
| Return on assets (ROA) | 0.9729% | 2,435 |
| Pretax return on assets | 1.0238% | 2,786 |
| Return on Equity (ROE) | 13.3900% | 1,823 |
| Retained earnings to average equity (ytd only) | 8.1809% | 1,895 |
| Net charge-offs to loans | 0.0046% | 2,316 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,606 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 353 |
| Efficiency ratio | 66.9929% | 2,146 |
| Assets per employee ($millions) | 7.7841% | 1,458 |
| Cash dividends to net income (ytd only)* | 38.9027% | 1,696 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6386% | 807 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.4400% | 3,465 |
| Net loans and leases to deposits | 66.6042% | 3,079 |
| Net loans and leases to core deposits | 72.8620% | 3,062 |
| Total domestic deposits to total assets | 78.7300% | 3,737 |
| Equity capital to assets | 7.4548% | 3,381 |
| Core capital (leverage) ratio | 14.2621% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $164,869,500 | 3,237 |
| Average earning assets | $157,759,250 | 3,196 |
| Average equity | $11,978,750 | 3,523 |
| Average total loans | $86,765,750 | 3,336 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8850% | 3,894 |
| Cost of funding earning assets | 0.9766% | 2,682 |
| Net interest margin | 2.9084% | 3,633 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.0217% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9564% | 2,557 |
| Return on assets (ROA) | 0.9691% | 2,515 |
| Pretax return on assets | 1.0199% | 2,859 |
| Return on Equity (ROE) | 13.4500% | 1,800 |
| Retained earnings to average equity (ytd only) | 7.9263% | 1,985 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.7599% | 2,148 |
| Assets per employee ($millions) | 7.4230% | 1,644 |
| Cash dividends to net income (ytd only)* | 41.0737% | 1,648 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7271% | 701 |
| 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 | 51.3200% | 3,461 |
| Net loans and leases to deposits | 63.3249% | 3,237 |
| Net loans and leases to core deposits | 69.7174% | 3,145 |
| Total domestic deposits to total assets | 81.0500% | 3,426 |
| Equity capital to assets | 7.4339% | 3,563 |
| Core capital (leverage) ratio | 13.7636% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $165,309,333 | 3,244 |
| Average earning assets | $159,123,333 | 3,198 |
| Average equity | $11,909,667 | 3,546 |
| Average total loans | $86,639,333 | 3,343 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8201% | 3,820 |
| Cost of funding earning assets | 0.6777% | 3,130 |
| Net interest margin | 3.1424% | 3,254 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.0347% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1549% | 2,051 |
| Return on assets (ROA) | 1.1641% | 2,001 |
| Pretax return on assets | 1.2266% | 2,361 |
| Return on Equity (ROE) | 16.4100% | 1,280 |
| Retained earnings to average equity (ytd only) | 5.3241% | 2,948 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.5740% | 2,624 |
| Assets per employee ($millions) | 7.2717% | 1,766 |
| Cash dividends to net income (ytd only)* | 67.5620% | 815 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6899% | 828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 51.2000% | 3,406 |
| Net loans and leases to deposits | 62.7305% | 3,183 |
| Net loans and leases to core deposits | 66.9827% | 3,159 |
| Total domestic deposits to total assets | 81.6200% | 3,543 |
| Equity capital to assets | 7.1624% | 3,752 |
| Core capital (leverage) ratio | 18.6745% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3772% | 624 |
| Memoranda: |
| Average total assets | $166,312,000 | 3,288 |
| Average earning assets | $159,367,000 | 3,240 |
| Average equity | $11,795,500 | 3,589 |
| Average total loans | $87,315,000 | 3,363 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2871% | 3,616 |
| Cost of funding earning assets | 0.2642% | 3,214 |
| Net interest margin | 3.0230% | 3,387 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.8986% | 3,820 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3423% | 1,306 |
| Return on assets (ROA) | 1.3395% | 1,271 |
| Pretax return on assets | 1.4100% | 1,738 |
| Return on Equity (ROE) | 16.4900% | 964 |
| Retained earnings to average equity (ytd only) | 10.0342% | 1,139 |
| Net charge-offs to loans | 0.0127% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 216.6364% | 619 |
| Efficiency ratio | 57.3321% | 3,424 |
| Assets per employee ($millions) | 7.5171% | 1,605 |
| Cash dividends to net income (ytd only)* | 39.1324% | 1,958 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6830% | 822 |
| Loan loss allowance to noncurrent loans | 412.6050% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 2,084 |
| Noncurrent loans to loans | 0.4079% | 1,702 |
| Net loans and leases to total assets | 52.0300% | 3,356 |
| Net loans and leases to deposits | 57.5223% | 3,487 |
| Net loans and leases to core deposits | 60.6185% | 3,472 |
| Total domestic deposits to total assets | 90.4600% | 1,169 |
| Equity capital to assets | 7.0216% | 3,652 |
| Core capital (leverage) ratio | 13.9044% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $168,647,400 | 3,277 |
| Average earning assets | $163,911,000 | 3,213 |
| Average equity | $13,703,200 | 3,503 |
| Average total loans | $86,641,400 | 3,323 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1822% | 3,476 |
| Cost of funding earning assets | 0.2457% | 2,754 |
| Net interest margin | 2.9366% | 3,394 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.9488% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2658% | 1,472 |
| Return on assets (ROA) | 1.2628% | 1,449 |
| Pretax return on assets | 1.3289% | 1,953 |
| Return on Equity (ROE) | 15.0400% | 1,166 |
| Retained earnings to average equity (ytd only) | 8.9599% | 1,661 |
| Net charge-offs to loans | 0.0201% | 1,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 130.2308% | 805 |
| Efficiency ratio | 59.4005% | 3,199 |
| Assets per employee ($millions) | 7.7197% | 1,470 |
| Cash dividends to net income (ytd only)* | 40.4361% | 1,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7317% | 829 |
| Loan loss allowance to noncurrent loans | 913.0435% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 2,961 |
| Noncurrent loans to loans | 0.1897% | 2,648 |
| Net loans and leases to total assets | 51.4600% | 3,341 |
| Net loans and leases to deposits | 54.5838% | 3,572 |
| Net loans and leases to core deposits | 57.5950% | 3,529 |
| Total domestic deposits to total assets | 94.2700% | 321 |
| Equity capital to assets | 5.3500% | 4,175 |
| Core capital (leverage) ratio | 13.2401% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $169,465,250 | 3,299 |
| Average earning assets | $164,995,500 | 3,226 |
| Average equity | $14,226,000 | 3,484 |
| Average total loans | $86,420,750 | 3,337 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0292% | 3,477 |
| Cost of funding earning assets | 0.2368% | 2,428 |
| Net interest margin | 2.7925% | 3,467 |
| Noninterest income to average assets | 0.5189% | 2,092 |
| Noninterest expense to average assets | 1.8835% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2978% | 1,140 |
| Return on assets (ROA) | 1.2890% | 1,152 |
| Pretax return on assets | 1.3565% | 1,564 |
| Return on Equity (ROE) | 13.7837% | 1,171 |
| Retained earnings to average equity (ytd only) | 7.9866% | 1,626 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9663% | 3,567 |
| Assets per employee ($millions) | 7.8007% | 1,419 |
| Cash dividends to net income (ytd only)* | 42.0578% | 1,644 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7234% | 924 |
| Loan loss allowance to noncurrent loans | 16,466.6667% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,996 |
| Noncurrent loans to loans | 0.0105% | 3,912 |
| Net loans and leases to total assets | 51.5887% | 3,205 |
| Net loans and leases to deposits | 55.1585% | 3,451 |
| Net loans and leases to core deposits | 58.3093% | 3,405 |
| Total domestic deposits to total assets | 93.5281% | 384 |
| Equity capital to assets | 6.1612% | 4,150 |
| Core capital (leverage) ratio | 12.5334% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $171,916,000 | 3,317 |
| Average earning assets | $168,095,000 | 3,234 |
| Average equity | $16,077,000 | 3,402 |
| Average total loans | $86,932,333 | 3,368 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8801% | 3,581 |
| Cost of funding earning assets | 0.2301% | 2,397 |
| Net interest margin | 2.6500% | 3,524 |
| Noninterest income to average assets | 0.8115% | 1,018 |
| Noninterest expense to average assets | 1.7412% | 4,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5779% | 537 |
| Return on assets (ROA) | 1.5844% | 526 |
| Pretax return on assets | 1.6685% | 729 |
| Return on Equity (ROE) | 14.6206% | 717 |
| Retained earnings to average equity (ytd only) | 7.7613% | 1,650 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1690% | 4,244 |
| Assets per employee ($millions) | 8.6054% | 1,060 |
| Cash dividends to net income (ytd only)* | 46.9154% | 1,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6977% | 1,058 |
| Loan loss allowance to noncurrent loans | 4,234.2857% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,864 |
| Noncurrent loans to loans | 0.0401% | 3,688 |
| Net loans and leases to total assets | 47.4855% | 3,438 |
| Net loans and leases to deposits | 52.5110% | 3,531 |
| Net loans and leases to core deposits | 55.5402% | 3,486 |
| Total domestic deposits to total assets | 90.4296% | 1,328 |
| Equity capital to assets | 9.3446% | 2,405 |
| Core capital (leverage) ratio | 12.1142% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $175,966,500 | 3,295 |
| Average earning assets | $172,078,500 | 3,212 |
| Average equity | $19,069,000 | 3,229 |
| Average total loans | $87,402,500 | 3,367 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3175% | 3,153 |
| Cost of funding earning assets | 0.2810% | 2,590 |
| Net interest margin | 3.0365% | 3,086 |
| Noninterest income to average assets | 0.2283% | 4,009 |
| Noninterest expense to average assets | 1.8331% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2903% | 1,625 |
| Return on assets (ROA) | 1.3037% | 1,627 |
| Pretax return on assets | 1.3722% | 2,131 |
| Return on Equity (ROE) | 10.1943% | 2,460 |
| Retained earnings to average equity (ytd only) | 6.1932% | 2,275 |
| Net charge-offs to loans | -0.0035% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4415% | 3,531 |
| Assets per employee ($millions) | 8.1533% | 1,249 |
| Cash dividends to net income (ytd only)* | 39.2488% | 2,069 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6947% | 1,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 50.2438% | 3,245 |
| Net loans and leases to deposits | 57.6017% | 3,288 |
| Net loans and leases to core deposits | 61.1408% | 3,236 |
| Total domestic deposits to total assets | 87.2263% | 2,422 |
| Equity capital to assets | 12.4116% | 1,092 |
| Core capital (leverage) ratio | 12.4554% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $163,381,400 | 3,359 |
| Average earning assets | $159,429,400 | 3,285 |
| Average equity | $20,894,000 | 3,136 |
| Average total loans | $86,842,400 | 3,379 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4487% | 2,963 |
| Cost of funding earning assets | 0.2940% | 2,651 |
| Net interest margin | 3.1547% | 2,878 |
| Noninterest income to average assets | 0.2371% | 3,984 |
| Noninterest expense to average assets | 1.8683% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3719% | 1,625 |
| Return on assets (ROA) | 1.3876% | 1,646 |
| Pretax return on assets | 1.4603% | 2,109 |
| Return on Equity (ROE) | 10.7665% | 2,457 |
| Retained earnings to average equity (ytd only) | 6.7739% | 2,505 |
| Net charge-offs to loans | -0.0046% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4090% | 3,482 |
| Assets per employee ($millions) | 7.8823% | 1,320 |
| Cash dividends to net income (ytd only)* | 37.0833% | 1,748 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6784% | 1,148 |
| Loan loss allowance to noncurrent loans | 1,256.7797% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,633 |
| Noncurrent loans to loans | 0.1336% | 3,440 |
| Net loans and leases to total assets | 52.4824% | 3,145 |
| Net loans and leases to deposits | 60.5421% | 3,186 |
| Net loans and leases to core deposits | 64.2409% | 3,116 |
| Total domestic deposits to total assets | 86.6874% | 2,469 |
| Equity capital to assets | 12.9005% | 1,012 |
| Core capital (leverage) ratio | 12.6480% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $161,422,000 | 3,416 |
| Average earning assets | $157,349,750 | 3,338 |
| Average equity | $20,804,750 | 3,180 |
| Average total loans | $86,675,500 | 3,432 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6704% | 2,417 |
| Cost of funding earning assets | 0.3039% | 2,744 |
| Net interest margin | 3.3665% | 2,252 |
| Noninterest income to average assets | 0.2412% | 3,958 |
| Noninterest expense to average assets | 1.8869% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5530% | 1,161 |
| Return on assets (ROA) | 1.5720% | 1,173 |
| Pretax return on assets | 1.6544% | 1,599 |
| Return on Equity (ROE) | 12.2008% | 1,982 |
| Retained earnings to average equity (ytd only) | 8.3989% | 1,937 |
| Net charge-offs to loans | -0.0070% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5841% | 3,856 |
| Assets per employee ($millions) | 7.6290% | 1,403 |
| Cash dividends to net income (ytd only)* | 31.1606% | 2,004 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7468% | 975 |
| Loan loss allowance to noncurrent loans | 468.1388% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 2,960 |
| Noncurrent loans to loans | 0.3731% | 2,566 |
| Net loans and leases to total assets | 52.0997% | 3,332 |
| Net loans and leases to deposits | 60.2208% | 3,376 |
| Net loans and leases to core deposits | 63.9854% | 3,287 |
| Total domestic deposits to total assets | 86.5146% | 2,544 |
| Equity capital to assets | 13.1278% | 908 |
| Core capital (leverage) ratio | 12.5598% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $160,053,333 | 3,433 |
| Average earning assets | $155,949,667 | 3,358 |
| Average equity | $20,621,667 | 3,196 |
| Average total loans | $86,115,333 | 3,454 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7738% | 2,177 |
| Cost of funding earning assets | 0.3130% | 2,864 |
| Net interest margin | 3.4608% | 1,934 |
| Noninterest income to average assets | 0.2400% | 3,957 |
| Noninterest expense to average assets | 1.8603% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6660% | 996 |
| Return on assets (ROA) | 1.6328% | 1,108 |
| Pretax return on assets | 1.7178% | 1,450 |
| Return on Equity (ROE) | 12.7936% | 1,732 |
| Retained earnings to average equity (ytd only) | 9.6393% | 1,756 |
| Net charge-offs to loans | -0.0092% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4879% | 4,048 |
| Assets per employee ($millions) | 7.6986% | 1,342 |
| Cash dividends to net income (ytd only)* | 24.6554% | 1,873 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6852% | 1,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.4443% | 3,296 |
| Net loans and leases to deposits | 61.2022% | 3,392 |
| Net loans and leases to core deposits | 64.2686% | 3,389 |
| Total domestic deposits to total assets | 87.3243% | 2,170 |
| Equity capital to assets | 12.3881% | 1,121 |
| Core capital (leverage) ratio | 12.7352% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $159,975,000 | 3,437 |
| Average earning assets | $155,917,000 | 3,351 |
| Average equity | $20,416,500 | 3,211 |
| Average total loans | $86,696,500 | 3,458 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7145% | 3,541 |
| Cost of funding earning assets | 0.4193% | 3,465 |
| Net interest margin | 3.2952% | 3,076 |
| Noninterest income to average assets | 0.2665% | 3,887 |
| Noninterest expense to average assets | 2.0527% | 4,035 |
| Loan and lease loss provision to assets | 0.0450% | 3,837 |
| Net operating income to assets | 1.2852% | 1,290 |
| Return on assets (ROA) | 1.3096% | 1,327 |
| Pretax return on assets | 1.3782% | 1,730 |
| Return on Equity (ROE) | 9.4724% | 2,209 |
| Retained earnings to average equity (ytd only) | 6.1030% | 1,751 |
| Net charge-offs to loans | 0.0046% | 3,194 |
| Credit loss provision to net charge-offs | 1,575.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 489.0000% | 242 |
| Efficiency ratio | 59.4947% | 3,519 |
| Assets per employee ($millions) | 7.5371% | 1,254 |
| Cash dividends to net income (ytd only)* | 35.5701% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7308% | 981 |
| Loan loss allowance to noncurrent loans | 808.7432% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 3,716 |
| Noncurrent loans to loans | 0.2140% | 3,434 |
| Net loans and leases to total assets | 53.0885% | 3,574 |
| Net loans and leases to deposits | 61.4455% | 3,644 |
| Net loans and leases to core deposits | 65.1637% | 3,618 |
| Total domestic deposits to total assets | 86.3993% | 2,187 |
| Equity capital to assets | 13.1445% | 1,046 |
| Core capital (leverage) ratio | 12.5261% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $139,962,000 | 3,512 |
| Average earning assets | $135,227,000 | 3,443 |
| Average equity | $19,351,000 | 3,248 |
| Average total loans | $87,868,800 | 3,436 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8992% | 3,256 |
| Cost of funding earning assets | 0.4390% | 3,588 |
| Net interest margin | 3.4601% | 2,720 |
| Noninterest income to average assets | 0.2777% | 3,817 |
| Noninterest expense to average assets | 2.1706% | 3,747 |
| Loan and lease loss provision to assets | 0.0591% | 3,609 |
| Net operating income to assets | 1.3086% | 1,339 |
| Return on assets (ROA) | 1.3404% | 1,352 |
| Pretax return on assets | 1.4113% | 1,692 |
| Return on Equity (ROE) | 9.5569% | 2,185 |
| Retained earnings to average equity (ytd only) | 6.1653% | 2,034 |
| Net charge-offs to loans | 0.0075% | 2,852 |
| Credit loss provision to net charge-offs | 1,200.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 291.8000% | 369 |
| Efficiency ratio | 60.1693% | 3,369 |
| Assets per employee ($millions) | 7.1161% | 1,420 |
| Cash dividends to net income (ytd only)* | 35.4886% | 2,114 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7241% | 857 |
| Loan loss allowance to noncurrent loans | 292.4752% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 2,789 |
| Noncurrent loans to loans | 0.5895% | 2,325 |
| Net loans and leases to total assets | 56.3394% | 3,589 |
| Net loans and leases to deposits | 65.4587% | 3,663 |
| Net loans and leases to core deposits | 67.1267% | 3,816 |
| Total domestic deposits to total assets | 86.0686% | 2,033 |
| Equity capital to assets | 13.4724% | 1,011 |
| Core capital (leverage) ratio | 13.7290% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $135,382,750 | 3,558 |
| Average earning assets | $130,280,500 | 3,494 |
| Average equity | $18,987,500 | 3,282 |
| Average total loans | $88,459,000 | 3,444 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1665% | 2,860 |
| Cost of funding earning assets | 0.4663% | 3,716 |
| Net interest margin | 3.7002% | 2,164 |
| Noninterest income to average assets | 0.3000% | 3,672 |
| Noninterest expense to average assets | 2.2513% | 3,648 |
| Loan and lease loss provision to assets | 0.0582% | 3,578 |
| Net operating income to assets | 1.4711% | 977 |
| Return on assets (ROA) | 1.5350% | 945 |
| Pretax return on assets | 1.6162% | 1,193 |
| Return on Equity (ROE) | 10.7913% | 1,709 |
| Retained earnings to average equity (ytd only) | 7.4130% | 1,500 |
| Net charge-offs to loans | 0.0134% | 2,485 |
| Credit loss provision to net charge-offs | 633.3333% | 1,067 |
| Earnings coverage of net charge-offs (x) | 175.0000% | 496 |
| Efficiency ratio | 58.3499% | 3,651 |
| Assets per employee ($millions) | 6.6982% | 1,636 |
| Cash dividends to net income (ytd only)* | 31.3061% | 2,309 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6671% | 882 |
| Loan loss allowance to noncurrent loans | 207.4286% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 2,344 |
| Noncurrent loans to loans | 0.8037% | 1,884 |
| Net loans and leases to total assets | 60.8874% | 3,231 |
| Net loans and leases to deposits | 71.1842% | 3,334 |
| Net loans and leases to core deposits | 73.1117% | 3,514 |
| Total domestic deposits to total assets | 85.5349% | 2,184 |
| Equity capital to assets | 14.0293% | 847 |
| Core capital (leverage) ratio | 14.2969% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $130,680,333 | 3,590 |
| Average earning assets | $125,670,333 | 3,523 |
| Average equity | $18,589,000 | 3,317 |
| Average total loans | $89,388,667 | 3,422 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2633% | 3,025 |
| Cost of funding earning assets | 0.5018% | 3,937 |
| Net interest margin | 3.7616% | 2,108 |
| Noninterest income to average assets | 0.3692% | 3,307 |
| Noninterest expense to average assets | 2.3136% | 3,745 |
| Loan and lease loss provision to assets | 0.0255% | 3,476 |
| Net operating income to assets | 1.5507% | 695 |
| Return on assets (ROA) | 1.5658% | 737 |
| Pretax return on assets | 1.6485% | 952 |
| Return on Equity (ROE) | 10.9233% | 1,437 |
| Retained earnings to average equity (ytd only) | 7.1934% | 1,474 |
| Net charge-offs to loans | 0.0353% | 1,706 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 65.1250% | 765 |
| Efficiency ratio | 58.2532% | 3,965 |
| Assets per employee ($millions) | 5.8913% | 1,762 |
| Cash dividends to net income (ytd only)* | 34.1463% | 2,038 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5525% | 1,183 |
| Loan loss allowance to noncurrent loans | 60.8045% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.8890% | 463 |
| Noncurrent loans to loans | 2.5532% | 461 |
| Net loans and leases to total assets | 72.8350% | 1,799 |
| Net loans and leases to deposits | 85.2733% | 2,083 |
| Net loans and leases to core deposits | 87.9113% | 2,526 |
| Total domestic deposits to total assets | 85.4136% | 2,243 |
| Equity capital to assets | 14.2000% | 999 |
| Core capital (leverage) ratio | 15.4458% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $125,689,000 | 3,629 |
| Average earning assets | $120,375,000 | 3,576 |
| Average equity | $18,016,500 | 3,367 |
| Average total loans | $90,534,000 | 3,385 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5496% | 2,780 |
| Cost of funding earning assets | 0.5957% | 3,661 |
| Net interest margin | 3.9539% | 1,984 |
| Noninterest income to average assets | 0.3595% | 3,550 |
| Noninterest expense to average assets | 2.3193% | 3,897 |
| Loan and lease loss provision to assets | 0.0492% | 3,034 |
| Net operating income to assets | 1.6821% | 688 |
| Return on assets (ROA) | 1.6915% | 717 |
| Pretax return on assets | 1.7809% | 989 |
| Return on Equity (ROE) | 11.7384% | 1,607 |
| Retained earnings to average equity (ytd only) | 7.5237% | 1,161 |
| Net charge-offs to loans | 0.0265% | 2,865 |
| Credit loss provision to net charge-offs | 250.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | 92.4167% | 719 |
| Efficiency ratio | 56.0270% | 4,196 |
| Assets per employee ($millions) | 6.0790% | 1,577 |
| Cash dividends to net income (ytd only)* | 35.9049% | 2,810 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5871% | 1,004 |
| Loan loss allowance to noncurrent loans | 1,015.0000% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 4,082 |
| Noncurrent loans to loans | 0.1564% | 3,902 |
| Net loans and leases to total assets | 69.0240% | 2,539 |
| Net loans and leases to deposits | 81.2391% | 2,641 |
| Net loans and leases to core deposits | 84.2764% | 2,924 |
| Total domestic deposits to total assets | 84.9640% | 2,507 |
| Equity capital to assets | 14.4642% | 942 |
| Core capital (leverage) ratio | 15.0614% | 677 |
| Tier 1 risk-based capital ratio | 20.2877% | 1,283 |
| Total risk-based capital ratio | 21.5414% | 1,259 |
| Memoranda: |
| Average total assets | $121,845,600 | 3,668 |
| Average earning assets | $116,492,800 | 3,614 |
| Average equity | $17,557,800 | 3,385 |
| Average total loans | $90,529,800 | 3,381 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6184% | 2,665 |
| Cost of funding earning assets | 0.6096% | 3,647 |
| Net interest margin | 4.0088% | 1,906 |
| Noninterest income to average assets | 0.3677% | 3,510 |
| Noninterest expense to average assets | 2.3921% | 3,710 |
| Loan and lease loss provision to assets | 0.0498% | 2,902 |
| Net operating income to assets | 1.6682% | 790 |
| Return on assets (ROA) | 1.6756% | 824 |
| Pretax return on assets | 1.7642% | 1,171 |
| Return on Equity (ROE) | 11.6397% | 1,742 |
| Retained earnings to average equity (ytd only) | 7.4624% | 1,644 |
| Net charge-offs to loans | -0.0088% | 4,340 |
| Credit loss provision to net charge-offs | -750.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9771% | 4,067 |
| Assets per employee ($millions) | 5.7606% | 1,798 |
| Cash dividends to net income (ytd only)* | 35.8889% | 2,343 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5771% | 1,043 |
| Loan loss allowance to noncurrent loans | 427.6786% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 3,442 |
| Noncurrent loans to loans | 0.3688% | 3,235 |
| Net loans and leases to total assets | 74.1304% | 1,794 |
| Net loans and leases to deposits | 91.3794% | 1,519 |
| Net loans and leases to core deposits | 94.8903% | 2,091 |
| Total domestic deposits to total assets | 81.1237% | 3,720 |
| Equity capital to assets | 14.9944% | 847 |
| Core capital (leverage) ratio | 15.1299% | 713 |
| Tier 1 risk-based capital ratio | 19.9222% | 1,372 |
| Total risk-based capital ratio | 21.1763% | 1,344 |
| Memoranda: |
| Average total assets | $120,392,000 | 3,735 |
| Average earning assets | $115,043,000 | 3,667 |
| Average equity | $17,331,000 | 3,430 |
| Average total loans | $90,778,000 | 3,423 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5611% | 2,799 |
| Cost of funding earning assets | 0.5842% | 3,729 |
| Net interest margin | 3.9769% | 1,997 |
| Noninterest income to average assets | 0.3594% | 3,525 |
| Noninterest expense to average assets | 2.3578% | 3,854 |
| Loan and lease loss provision to assets | 0.0499% | 2,820 |
| Net operating income to assets | 1.6806% | 754 |
| Return on assets (ROA) | 1.6806% | 785 |
| Pretax return on assets | 1.7687% | 1,123 |
| Return on Equity (ROE) | 11.8394% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.7132% | 1,515 |
| Net charge-offs to loans | -0.0176% | 4,511 |
| Credit loss provision to net charge-offs | -375.0000% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4542% | 4,193 |
| Assets per employee ($millions) | 5.7065% | 1,784 |
| Cash dividends to net income (ytd only)* | 34.8515% | 2,425 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5561% | 1,126 |
| Loan loss allowance to noncurrent loans | 396.3788% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 3,346 |
| Noncurrent loans to loans | 0.3926% | 3,118 |
| Net loans and leases to total assets | 75.1235% | 1,700 |
| Net loans and leases to deposits | 91.3644% | 1,576 |
| Net loans and leases to core deposits | 95.5679% | 2,113 |
| Total domestic deposits to total assets | 82.2240% | 3,450 |
| Equity capital to assets | 14.7969% | 868 |
| Core capital (leverage) ratio | 14.6330% | 789 |
| Tier 1 risk-based capital ratio | 19.6871% | 1,408 |
| Total risk-based capital ratio | 20.9405% | 1,376 |
| Memoranda: |
| Average total assets | $120,198,670 | 3,757 |
| Average earning assets | $115,367,330 | 3,684 |
| Average equity | $17,061,670 | 3,460 |
| Average total loans | $90,666,000 | 3,447 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4513% | 3,045 |
| Cost of funding earning assets | 0.5646% | 3,759 |
| Net interest margin | 3.8867% | 2,233 |
| Noninterest income to average assets | 0.3788% | 3,329 |
| Noninterest expense to average assets | 2.2828% | 4,068 |
| Loan and lease loss provision to assets | 0.0498% | 2,659 |
| Net operating income to assets | 1.6847% | 756 |
| Return on assets (ROA) | 1.6847% | 783 |
| Pretax return on assets | 1.7744% | 1,039 |
| Return on Equity (ROE) | 12.1245% | 1,488 |
| Retained earnings to average equity (ytd only) | 8.0830% | 1,625 |
| Net charge-offs to loans | -0.0044% | 3,992 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5825% | 4,383 |
| Assets per employee ($millions) | 5.7171% | 1,781 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,122 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5537% | 1,174 |
| Loan loss allowance to noncurrent loans | 813.9535% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 4,085 |
| Noncurrent loans to loans | 0.1909% | 3,900 |
| Net loans and leases to total assets | 73.8878% | 1,830 |
| Net loans and leases to deposits | 87.1807% | 1,975 |
| Net loans and leases to core deposits | 91.0592% | 2,395 |
| Total domestic deposits to total assets | 84.7525% | 2,768 |
| Equity capital to assets | 14.2014% | 972 |
| Core capital (leverage) ratio | 14.7175% | 763 |
| Tier 1 risk-based capital ratio | 19.4708% | 1,444 |
| Total risk-based capital ratio | 20.7231% | 1,420 |
| Memoranda: |
| Average total assets | $120,380,000 | 3,797 |
| Average earning assets | $115,472,000 | 3,726 |
| Average equity | $16,726,500 | 3,504 |
| Average total loans | $90,275,000 | 3,486 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4076% | 2,737 |
| Cost of funding earning assets | 0.5479% | 3,062 |
| Net interest margin | 3.8597% | 2,466 |
| Noninterest income to average assets | 0.3506% | 3,759 |
| Noninterest expense to average assets | 2.2470% | 4,230 |
| Loan and lease loss provision to assets | 0.0495% | 3,194 |
| Net operating income to assets | 1.6646% | 745 |
| Return on assets (ROA) | 1.6646% | 742 |
| Pretax return on assets | 1.7611% | 1,023 |
| Return on Equity (ROE) | 12.8443% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.3253% | 1,107 |
| Net charge-offs to loans | -0.0022% | 4,244 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3771% | 4,475 |
| Assets per employee ($millions) | 6.0351% | 1,494 |
| Cash dividends to net income (ytd only)* | 35.1833% | 2,778 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5314% | 1,197 |
| Loan loss allowance to noncurrent loans | 1,573.8636% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 4,457 |
| Noncurrent loans to loans | 0.0973% | 4,302 |
| Net loans and leases to total assets | 73.7823% | 1,972 |
| Net loans and leases to deposits | 86.6127% | 2,202 |
| Net loans and leases to core deposits | 90.4003% | 2,542 |
| Total domestic deposits to total assets | 85.1865% | 2,567 |
| Equity capital to assets | 13.5898% | 1,112 |
| Core capital (leverage) ratio | 13.9971% | 923 |
| Tier 1 risk-based capital ratio | 19.0089% | 1,519 |
| Total risk-based capital ratio | 20.2626% | 1,479 |
| Memoranda: |
| Average total assets | $121,231,000 | 3,770 |
| Average earning assets | $116,434,600 | 3,711 |
| Average equity | $15,711,200 | 3,546 |
| Average total loans | $90,842,800 | 3,464 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3219% | 2,878 |
| Cost of funding earning assets | 0.5452% | 2,891 |
| Net interest margin | 3.7767% | 2,728 |
| Noninterest income to average assets | 0.3559% | 3,752 |
| Noninterest expense to average assets | 2.2521% | 4,210 |
| Loan and lease loss provision to assets | 0.0494% | 3,002 |
| Net operating income to assets | 1.5886% | 984 |
| Return on assets (ROA) | 1.5886% | 990 |
| Pretax return on assets | 1.6842% | 1,314 |
| Return on Equity (ROE) | 12.4078% | 1,632 |
| Retained earnings to average equity (ytd only) | 7.9801% | 1,666 |
| Net charge-offs to loans | -0.0015% | 4,051 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5050% | 4,313 |
| Assets per employee ($millions) | 6.0313% | 1,468 |
| Cash dividends to net income (ytd only)* | 35.6845% | 2,273 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4933% | 1,368 |
| Loan loss allowance to noncurrent loans | 1,104.8387% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,460 |
| Noncurrent loans to loans | 0.1352% | 4,277 |
| Net loans and leases to total assets | 74.9198% | 1,827 |
| Net loans and leases to deposits | 87.3835% | 2,223 |
| Net loans and leases to core deposits | 91.4271% | 2,532 |
| Total domestic deposits to total assets | 85.7368% | 2,308 |
| Equity capital to assets | 13.0968% | 1,292 |
| Core capital (leverage) ratio | 13.7199% | 1,020 |
| Tier 1 risk-based capital ratio | 18.5289% | 1,656 |
| Total risk-based capital ratio | 19.7821% | 1,613 |
| Memoranda: |
| Average total assets | $121,363,500 | 3,806 |
| Average earning assets | $116,643,500 | 3,741 |
| Average equity | $15,538,250 | 3,592 |
| Average total loans | $90,943,250 | 3,484 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2499% | 2,944 |
| Cost of funding earning assets | 0.5092% | 2,943 |
| Net interest margin | 3.7408% | 2,787 |
| Noninterest income to average assets | 0.3602% | 3,744 |
| Noninterest expense to average assets | 2.2548% | 4,250 |
| Loan and lease loss provision to assets | 0.0493% | 2,928 |
| Net operating income to assets | 1.5459% | 1,043 |
| Return on assets (ROA) | 1.5459% | 1,046 |
| Pretax return on assets | 1.6446% | 1,358 |
| Return on Equity (ROE) | 12.1670% | 1,667 |
| Retained earnings to average equity (ytd only) | 7.5979% | 1,795 |
| Net charge-offs to loans | -0.0066% | 4,176 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1012% | 4,348 |
| Assets per employee ($millions) | 6.0738% | 1,414 |
| Cash dividends to net income (ytd only)* | 37.5532% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4707% | 1,482 |
| Loan loss allowance to noncurrent loans | 1,190.3509% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 4,544 |
| Noncurrent loans to loans | 0.1236% | 4,355 |
| Net loans and leases to total assets | 74.8378% | 1,815 |
| Net loans and leases to deposits | 92.9313% | 1,483 |
| Net loans and leases to core deposits | 94.3216% | 2,196 |
| Total domestic deposits to total assets | 80.5303% | 4,127 |
| Equity capital to assets | 12.8503% | 1,371 |
| Core capital (leverage) ratio | 13.3440% | 1,118 |
| Tier 1 risk-based capital ratio | 18.0910% | 1,777 |
| Total risk-based capital ratio | 19.3437% | 1,735 |
| Memoranda: |
| Average total assets | $121,609,670 | 3,834 |
| Average earning assets | $116,660,670 | 3,764 |
| Average equity | $15,451,670 | 3,617 |
| Average total loans | $90,677,000 | 3,503 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1082% | 3,211 |
| Cost of funding earning assets | 0.4702% | 3,041 |
| Net interest margin | 3.6380% | 3,036 |
| Noninterest income to average assets | 0.3682% | 3,675 |
| Noninterest expense to average assets | 2.2552% | 4,275 |
| Loan and lease loss provision to assets | 0.0493% | 2,793 |
| Net operating income to assets | 1.4366% | 1,239 |
| Return on assets (ROA) | 1.4366% | 1,246 |
| Pretax return on assets | 1.5484% | 1,536 |
| Return on Equity (ROE) | 11.3710% | 1,819 |
| Retained earnings to average equity (ytd only) | 7.3378% | 2,126 |
| Net charge-offs to loans | -0.0045% | 3,968 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5324% | 4,282 |
| Assets per employee ($millions) | 5.7943% | 1,684 |
| Cash dividends to net income (ytd only)* | 35.4691% | 1,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4758% | 1,557 |
| Loan loss allowance to noncurrent loans | 1,072.0000% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 4,567 |
| Noncurrent loans to loans | 0.1377% | 4,351 |
| Net loans and leases to total assets | 73.5182% | 1,942 |
| Net loans and leases to deposits | 88.4566% | 1,871 |
| Net loans and leases to core deposits | 89.7334% | 2,473 |
| Total domestic deposits to total assets | 83.1123% | 3,629 |
| Equity capital to assets | 12.5600% | 1,444 |
| Core capital (leverage) ratio | 13.3752% | 1,048 |
| Tier 1 risk-based capital ratio | 18.2014% | 1,771 |
| Total risk-based capital ratio | 19.4550% | 1,731 |
| Memoranda: |
| Average total assets | $121,676,500 | 3,873 |
| Average earning assets | $116,547,500 | 3,802 |
| Average equity | $15,372,500 | 3,660 |
| Average total loans | $89,882,000 | 3,545 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1648% | 2,821 |
| Cost of funding earning assets | 0.4385% | 2,890 |
| Net interest margin | 3.7263% | 2,688 |
| Noninterest income to average assets | 0.3623% | 3,874 |
| Noninterest expense to average assets | 2.1887% | 4,552 |
| Loan and lease loss provision to assets | 0.0995% | 2,233 |
| Net operating income to assets | 1.5707% | 692 |
| Return on assets (ROA) | 1.5959% | 673 |
| Pretax return on assets | 1.6796% | 1,060 |
| Return on Equity (ROE) | 12.9344% | 967 |
| Retained earnings to average equity (ytd only) | 8.4057% | 645 |
| Net charge-offs to loans | 0.0068% | 3,831 |
| Credit loss provision to net charge-offs | 2,000.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 352.3333% | 251 |
| Efficiency ratio | 55.5322% | 4,810 |
| Assets per employee ($millions) | 5.7940% | 1,658 |
| Cash dividends to net income (ytd only)* | 35.0130% | 3,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4882% | 1,445 |
| Loan loss allowance to noncurrent loans | 1,439.1304% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 4,742 |
| Noncurrent loans to loans | 0.1034% | 4,525 |
| Net loans and leases to total assets | 72.0316% | 2,229 |
| Net loans and leases to deposits | 84.3037% | 2,457 |
| Net loans and leases to core deposits | 85.0259% | 2,983 |
| Total domestic deposits to total assets | 85.4429% | 2,676 |
| Equity capital to assets | 12.7078% | 1,403 |
| Core capital (leverage) ratio | 13.0759% | 1,121 |
| Tier 1 risk-based capital ratio | 17.9515% | 1,814 |
| Total risk-based capital ratio | 19.2045% | 1,759 |
| Memoranda: |
| Average total assets | $120,621,400 | 3,887 |
| Average earning assets | $115,852,000 | 3,820 |
| Average equity | $14,882,800 | 3,727 |
| Average total loans | $87,621,400 | 3,575 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1826% | 2,673 |
| Cost of funding earning assets | 0.4457% | 2,756 |
| Net interest margin | 3.7370% | 2,632 |
| Noninterest income to average assets | 0.3744% | 3,851 |
| Noninterest expense to average assets | 2.2576% | 4,400 |
| Loan and lease loss provision to assets | 0.0997% | 2,116 |
| Net operating income to assets | 1.5315% | 834 |
| Return on assets (ROA) | 1.5631% | 798 |
| Pretax return on assets | 1.6450% | 1,257 |
| Return on Equity (ROE) | 12.7649% | 1,109 |
| Retained earnings to average equity (ytd only) | 8.4677% | 1,031 |
| Net charge-offs to loans | 0.0092% | 3,399 |
| Credit loss provision to net charge-offs | 1,500.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 257.4938% | 344 |
| Efficiency ratio | 56.8797% | 4,626 |
| Assets per employee ($millions) | 5.6453% | 1,786 |
| Cash dividends to net income (ytd only)* | 33.6641% | 2,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4776% | 1,613 |
| Loan loss allowance to noncurrent loans | 505.0781% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2159% | 4,211 |
| Noncurrent loans to loans | 0.2926% | 3,895 |
| Net loans and leases to total assets | 72.7223% | 2,142 |
| Net loans and leases to deposits | 84.6778% | 2,472 |
| Net loans and leases to core deposits | 85.6375% | 2,999 |
| Total domestic deposits to total assets | 85.8812% | 2,357 |
| Equity capital to assets | 12.9404% | 1,418 |
| Core capital (leverage) ratio | 13.3224% | 1,097 |
| Tier 1 risk-based capital ratio | 18.0029% | 1,851 |
| Total risk-based capital ratio | 19.2559% | 1,805 |
| Memoranda: |
| Average total assets | $120,358,500 | 3,925 |
| Average earning assets | $115,777,750 | 3,860 |
| Average equity | $14,738,000 | 3,785 |
| Average total loans | $87,285,000 | 3,611 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2098% | 2,433 |
| Cost of funding earning assets | 0.4506% | 2,596 |
| Net interest margin | 3.7592% | 2,442 |
| Noninterest income to average assets | 0.3654% | 3,940 |
| Noninterest expense to average assets | 2.2602% | 4,440 |
| Loan and lease loss provision to assets | 0.0992% | 2,029 |
| Net operating income to assets | 1.5523% | 786 |
| Return on assets (ROA) | 1.5790% | 760 |
| Pretax return on assets | 1.6617% | 1,157 |
| Return on Equity (ROE) | 13.1389% | 1,000 |
| Retained earnings to average equity (ytd only) | 9.2454% | 775 |
| Net charge-offs to loans | 0.0092% | 3,137 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 262.0000% | 326 |
| Efficiency ratio | 56.6046% | 4,754 |
| Assets per employee ($millions) | 5.5386% | 1,836 |
| Cash dividends to net income (ytd only)* | 29.6335% | 2,790 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4739% | 1,668 |
| Loan loss allowance to noncurrent loans | 822.0779% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 4,655 |
| Noncurrent loans to loans | 0.1793% | 4,401 |
| Net loans and leases to total assets | 72.7592% | 2,087 |
| Net loans and leases to deposits | 86.2564% | 2,187 |
| Net loans and leases to core deposits | 87.2650% | 2,776 |
| Total domestic deposits to total assets | 84.3523% | 3,065 |
| Equity capital to assets | 13.0452% | 1,353 |
| Core capital (leverage) ratio | 12.5681% | 1,341 |
| Tier 1 risk-based capital ratio | 17.9557% | 1,865 |
| Total risk-based capital ratio | 19.2095% | 1,822 |
| Memoranda: |
| Average total assets | $120,961,000 | 3,946 |
| Average earning assets | $116,728,000 | 3,866 |
| Average equity | $14,537,000 | 3,817 |
| Average total loans | $87,211,330 | 3,632 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9017% | 3,397 |
| Cost of funding earning assets | 0.4395% | 2,617 |
| Net interest margin | 3.4622% | 3,414 |
| Noninterest income to average assets | 0.3861% | 3,762 |
| Noninterest expense to average assets | 2.2290% | 4,574 |
| Loan and lease loss provision to assets | 0.0973% | 1,935 |
| Net operating income to assets | 1.3384% | 1,144 |
| Return on assets (ROA) | 1.3692% | 1,099 |
| Pretax return on assets | 1.4406% | 1,729 |
| Return on Equity (ROE) | 11.8714% | 1,278 |
| Retained earnings to average equity (ytd only) | 7.9330% | 1,489 |
| Net charge-offs to loans | 0.0455% | 1,935 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 46.4000% | 942 |
| Efficiency ratio | 59.6872% | 4,499 |
| Assets per employee ($millions) | 5.7902% | 1,663 |
| Cash dividends to net income (ytd only)* | 33.1754% | 2,225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4111% | 2,033 |
| Loan loss allowance to noncurrent loans | 1,559.4937% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 5,016 |
| Noncurrent loans to loans | 0.0905% | 4,832 |
| Net loans and leases to total assets | 70.7905% | 2,252 |
| Net loans and leases to deposits | 81.9445% | 2,517 |
| Net loans and leases to core deposits | 82.8364% | 3,009 |
| Total domestic deposits to total assets | 86.3883% | 2,501 |
| Equity capital to assets | 11.8361% | 1,953 |
| Core capital (leverage) ratio | 12.0425% | 1,598 |
| Tier 1 risk-based capital ratio | 17.0416% | 2,173 |
| Total risk-based capital ratio | 18.2932% | 2,125 |
| Memoranda: |
| Average total assets | $123,286,000 | 3,944 |
| Average earning assets | $119,231,500 | 3,847 |
| Average equity | $14,219,000 | 3,887 |
| Average total loans | $87,870,500 | 3,650 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8765% | 3,659 |
| Cost of funding earning assets | 0.4461% | 2,569 |
| Net interest margin | 3.4304% | 3,712 |
| Noninterest income to average assets | 0.4095% | 3,806 |
| Noninterest expense to average assets | 2.2166% | 4,737 |
| Loan and lease loss provision to assets | 0.0975% | 2,421 |
| Net operating income to assets | 1.3246% | 1,161 |
| Return on assets (ROA) | 1.3594% | 1,130 |
| Pretax return on assets | 1.4309% | 1,815 |
| Return on Equity (ROE) | 11.7855% | 1,323 |
| Retained earnings to average equity (ytd only) | 7.9674% | 867 |
| Net charge-offs to loans | 0.0254% | 3,533 |
| Credit loss provision to net charge-offs | 545.4545% | 614 |
| Earnings coverage of net charge-offs (x) | 83.4545% | 693 |
| Efficiency ratio | 59.7721% | 4,619 |
| Assets per employee ($millions) | 5.9513% | 1,516 |
| Cash dividends to net income (ytd only)* | 32.3969% | 3,222 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3683% | 2,227 |
| Loan loss allowance to noncurrent loans | 3,361.1111% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 5,258 |
| Noncurrent loans to loans | 0.0407% | 5,091 |
| Net loans and leases to total assets | 69.7899% | 2,516 |
| Net loans and leases to deposits | 83.0654% | 2,539 |
| Net loans and leases to core deposits | 83.9642% | 3,029 |
| Total domestic deposits to total assets | 84.0180% | 3,413 |
| Equity capital to assets | 11.2388% | 2,377 |
| Core capital (leverage) ratio | 11.6524% | 1,826 |
| Tier 1 risk-based capital ratio | 16.3203% | 2,419 |
| Total risk-based capital ratio | 17.5718% | 2,356 |
| Memoranda: |
| Average total assets | $123,071,600 | 3,942 |
| Average earning assets | $118,354,000 | 3,859 |
| Average equity | $14,195,400 | 3,920 |
| Average total loans | $86,499,200 | 3,651 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9054% | 3,569 |
| Cost of funding earning assets | 0.4553% | 2,503 |
| Net interest margin | 3.4501% | 3,670 |
| Noninterest income to average assets | 0.4209% | 3,768 |
| Noninterest expense to average assets | 2.3067% | 4,516 |
| Loan and lease loss provision to assets | 0.0979% | 2,268 |
| Net operating income to assets | 1.2629% | 1,405 |
| Return on assets (ROA) | 1.3094% | 1,352 |
| Pretax return on assets | 1.3779% | 2,133 |
| Return on Equity (ROE) | 11.2788% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.5598% | 1,375 |
| Net charge-offs to loans | 0.0279% | 3,110 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 72.8871% | 837 |
| Efficiency ratio | 61.7827% | 4,269 |
| Assets per employee ($millions) | 5.7684% | 1,600 |
| Cash dividends to net income (ytd only)* | 32.9735% | 2,691 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3429% | 2,471 |
| Loan loss allowance to noncurrent loans | 4,925.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 5,438 |
| Noncurrent loans to loans | 0.0273% | 5,273 |
| Net loans and leases to total assets | 71.6825% | 2,232 |
| Net loans and leases to deposits | 82.4924% | 2,673 |
| Net loans and leases to core deposits | 83.9633% | 3,124 |
| Total domestic deposits to total assets | 86.8958% | 1,932 |
| Equity capital to assets | 12.1268% | 2,019 |
| Core capital (leverage) ratio | 11.9934% | 1,683 |
| Tier 1 risk-based capital ratio | 16.3184% | 2,487 |
| Total risk-based capital ratio | 17.5696% | 2,441 |
| Memoranda: |
| Average total assets | $122,595,000 | 3,974 |
| Average earning assets | $117,713,750 | 3,894 |
| Average equity | $14,232,750 | 3,948 |
| Average total loans | $86,016,000 | 3,680 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8784% | 3,661 |
| Cost of funding earning assets | 0.4599% | 2,476 |
| Net interest margin | 3.4185% | 3,813 |
| Noninterest income to average assets | 0.4209% | 3,732 |
| Noninterest expense to average assets | 2.3042% | 4,603 |
| Loan and lease loss provision to assets | 0.0975% | 2,205 |
| Net operating income to assets | 1.2403% | 1,461 |
| Return on assets (ROA) | 1.2805% | 1,441 |
| Pretax return on assets | 1.3471% | 2,217 |
| Return on Equity (ROE) | 11.1929% | 1,577 |
| Retained earnings to average equity (ytd only) | 7.5566% | 1,357 |
| Net charge-offs to loans | 0.0422% | 2,617 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 47.9444% | 1,020 |
| Efficiency ratio | 62.1657% | 4,322 |
| Assets per employee ($millions) | 5.6372% | 1,670 |
| Cash dividends to net income (ytd only)* | 32.4873% | 2,739 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3330% | 2,605 |
| Loan loss allowance to noncurrent loans | 4,608.0000% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 5,514 |
| Noncurrent loans to loans | 0.0289% | 5,352 |
| Net loans and leases to total assets | 72.0293% | 2,165 |
| Net loans and leases to deposits | 84.6922% | 2,385 |
| Net loans and leases to core deposits | 86.2636% | 2,874 |
| Total domestic deposits to total assets | 85.0483% | 2,855 |
| Equity capital to assets | 12.2832% | 1,917 |
| Core capital (leverage) ratio | 11.3561% | 2,093 |
| Tier 1 risk-based capital ratio | 16.3041% | 2,498 |
| Total risk-based capital ratio | 17.5544% | 2,446 |
| Memoranda: |
| Average total assets | $123,081,000 | 3,993 |
| Average earning assets | $118,297,000 | 3,905 |
| Average equity | $14,080,330 | 3,986 |
| Average total loans | $85,349,330 | 3,708 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7708% | 4,057 |
| Cost of funding earning assets | 0.4581% | 2,490 |
| Net interest margin | 3.3127% | 4,180 |
| Noninterest income to average assets | 0.4433% | 3,531 |
| Noninterest expense to average assets | 2.2578% | 4,765 |
| Loan and lease loss provision to assets | 0.0957% | 2,096 |
| Net operating income to assets | 1.2090% | 1,524 |
| Return on assets (ROA) | 1.2756% | 1,413 |
| Pretax return on assets | 1.3426% | 2,125 |
| Return on Equity (ROE) | 11.5523% | 1,441 |
| Retained earnings to average equity (ytd only) | 7.8267% | 1,532 |
| Net charge-offs to loans | -0.0047% | 4,276 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2691% | 4,413 |
| Assets per employee ($millions) | 5.9852% | 1,409 |
| Cash dividends to net income (ytd only)* | 32.2500% | 2,312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3509% | 2,651 |
| Loan loss allowance to noncurrent loans | 2,237.2549% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 5,465 |
| Noncurrent loans to loans | 0.0604% | 5,240 |
| Net loans and leases to total assets | 66.2925% | 2,902 |
| Net loans and leases to deposits | 75.2468% | 3,302 |
| Net loans and leases to core deposits | 76.5119% | 3,635 |
| Total domestic deposits to total assets | 88.1001% | 1,591 |
| Equity capital to assets | 11.1743% | 2,747 |
| Core capital (leverage) ratio | 11.1062% | 2,304 |
| Tier 1 risk-based capital ratio | 16.0645% | 2,651 |
| Total risk-based capital ratio | 17.3154% | 2,607 |
| Memoranda: |
| Average total assets | $125,431,000 | 3,986 |
| Average earning assets | $120,504,500 | 3,893 |
| Average equity | $13,850,000 | 4,026 |
| Average total loans | $84,813,500 | 3,730 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7105% | 4,342 |
| Cost of funding earning assets | 0.4841% | 2,318 |
| Net interest margin | 3.2264% | 4,540 |
| Noninterest income to average assets | 0.3874% | 4,134 |
| Noninterest expense to average assets | 2.3050% | 4,776 |
| Loan and lease loss provision to assets | 0.0803% | 2,675 |
| Net operating income to assets | 1.0577% | 2,092 |
| Return on assets (ROA) | 1.0841% | 2,059 |
| Pretax return on assets | 1.1414% | 2,877 |
| Return on Equity (ROE) | 10.4273% | 1,836 |
| Retained earnings to average equity (ytd only) | 7.3749% | 1,137 |
| Net charge-offs to loans | 0.0558% | 3,101 |
| Credit loss provision to net charge-offs | 224.4444% | 1,266 |
| Earnings coverage of net charge-offs (x) | 33.3556% | 1,346 |
| Efficiency ratio | 65.8786% | 3,923 |
| Assets per employee ($millions) | 5.9606% | 1,414 |
| Cash dividends to net income (ytd only)* | 29.2737% | 3,376 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3034% | 2,879 |
| Loan loss allowance to noncurrent loans | 770.8333% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 5,129 |
| Noncurrent loans to loans | 0.1691% | 4,814 |
| Net loans and leases to total assets | 67.1500% | 2,840 |
| Net loans and leases to deposits | 76.6697% | 3,185 |
| Net loans and leases to core deposits | 77.9647% | 3,550 |
| Total domestic deposits to total assets | 87.5835% | 1,853 |
| Equity capital to assets | 10.9090% | 2,922 |
| Core capital (leverage) ratio | 10.6787% | 2,733 |
| Tier 1 risk-based capital ratio | 15.5666% | 2,899 |
| Total risk-based capital ratio | 16.8174% | 2,832 |
| Memoranda: |
| Average total assets | $125,724,000 | 3,965 |
| Average earning assets | $121,250,800 | 3,858 |
| Average equity | $13,071,400 | 4,131 |
| Average total loans | $80,645,800 | 3,804 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6786% | 4,483 |
| Cost of funding earning assets | 0.4856% | 2,360 |
| Net interest margin | 3.1930% | 4,692 |
| Noninterest income to average assets | 0.3888% | 4,162 |
| Noninterest expense to average assets | 2.4492% | 4,351 |
| Loan and lease loss provision to assets | 0.0911% | 2,349 |
| Net operating income to assets | 0.8876% | 3,008 |
| Return on assets (ROA) | 0.9248% | 2,921 |
| Pretax return on assets | 0.9735% | 3,721 |
| Return on Equity (ROE) | 9.0052% | 2,577 |
| Retained earnings to average equity (ytd only) | 6.0344% | 2,223 |
| Net charge-offs to loans | 0.0503% | 2,897 |
| Credit loss provision to net charge-offs | 286.6667% | 1,008 |
| Earnings coverage of net charge-offs (x) | 32.2658% | 1,424 |
| Efficiency ratio | 70.4878% | 3,138 |
| Assets per employee ($millions) | 5.6314% | 1,659 |
| Cash dividends to net income (ytd only)* | 32.9897% | 2,667 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3594% | 2,790 |
| Loan loss allowance to noncurrent loans | 1,247.1910% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 5,472 |
| Noncurrent loans to loans | 0.1090% | 5,197 |
| Net loans and leases to total assets | 65.0104% | 3,154 |
| Net loans and leases to deposits | 73.3881% | 3,607 |
| Net loans and leases to core deposits | 74.6312% | 3,946 |
| Total domestic deposits to total assets | 88.5843% | 1,252 |
| Equity capital to assets | 10.6343% | 3,429 |
| Core capital (leverage) ratio | 10.4373% | 3,122 |
| Tier 1 risk-based capital ratio | 15.7432% | 2,927 |
| Total risk-based capital ratio | 16.9953% | 2,857 |
| Memoranda: |
| Average total assets | $125,862,000 | 4,007 |
| Average earning assets | $121,638,750 | 3,887 |
| Average equity | $12,925,500 | 4,195 |
| Average total loans | $79,516,500 | 3,875 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6408% | 4,604 |
| Cost of funding earning assets | 0.4837% | 2,400 |
| Net interest margin | 3.1571% | 4,801 |
| Noninterest income to average assets | 0.3841% | 4,202 |
| Noninterest expense to average assets | 2.4518% | 4,390 |
| Loan and lease loss provision to assets | 0.0964% | 2,211 |
| Net operating income to assets | 0.8451% | 3,147 |
| Return on assets (ROA) | 0.8931% | 3,041 |
| Pretax return on assets | 0.9406% | 3,806 |
| Return on Equity (ROE) | 8.7990% | 2,655 |
| Retained earnings to average equity (ytd only) | 5.9802% | 2,254 |
| Net charge-offs to loans | 0.0888% | 2,146 |
| Credit loss provision to net charge-offs | 174.2857% | 1,379 |
| Earnings coverage of net charge-offs (x) | 17.8286% | 1,835 |
| Efficiency ratio | 71.3103% | 3,110 |
| Assets per employee ($millions) | 5.6335% | 1,631 |
| Cash dividends to net income (ytd only)* | 32.0354% | 2,740 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3437% | 3,014 |
| Loan loss allowance to noncurrent loans | 2,347.8261% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 5,716 |
| Noncurrent loans to loans | 0.0572% | 5,506 |
| Net loans and leases to total assets | 63.9814% | 3,266 |
| Net loans and leases to deposits | 72.6280% | 3,662 |
| Net loans and leases to core deposits | 74.0482% | 3,954 |
| Total domestic deposits to total assets | 88.0947% | 1,598 |
| Equity capital to assets | 10.3206% | 3,664 |
| Core capital (leverage) ratio | 10.0450% | 3,534 |
| Tier 1 risk-based capital ratio | 15.6360% | 3,035 |
| Total risk-based capital ratio | 16.8871% | 2,983 |
| Memoranda: |
| Average total assets | $126,519,000 | 4,032 |
| Average earning assets | $122,390,000 | 3,906 |
| Average equity | $12,842,330 | 4,233 |
| Average total loans | $78,804,670 | 3,925 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5778% | 4,757 |
| Cost of funding earning assets | 0.4751% | 2,504 |
| Net interest margin | 3.1027% | 4,941 |
| Noninterest income to average assets | 0.4069% | 3,945 |
| Noninterest expense to average assets | 2.4255% | 4,533 |
| Loan and lease loss provision to assets | 0.0469% | 2,992 |
| Net operating income to assets | 0.8921% | 2,776 |
| Return on assets (ROA) | 0.9545% | 2,618 |
| Pretax return on assets | 1.0046% | 3,480 |
| Return on Equity (ROE) | 9.4809% | 2,227 |
| Retained earnings to average equity (ytd only) | 6.5589% | 2,206 |
| Net charge-offs to loans | 0.0154% | 2,858 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 477 |
| Efficiency ratio | 71.1009% | 3,308 |
| Assets per employee ($millions) | 5.7146% | 1,614 |
| Cash dividends to net income (ytd only)* | 30.8197% | 2,323 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3559% | 3,119 |
| Loan loss allowance to noncurrent loans | 1,076.7677% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 5,643 |
| Noncurrent loans to loans | 0.1259% | 5,324 |
| Net loans and leases to total assets | 59.0067% | 3,796 |
| Net loans and leases to deposits | 67.5052% | 4,002 |
| Net loans and leases to core deposits | 68.7608% | 4,261 |
| Total domestic deposits to total assets | 87.4106% | 2,160 |
| Equity capital to assets | 9.9090% | 4,258 |
| Core capital (leverage) ratio | 10.0973% | 3,477 |
| Tier 1 risk-based capital ratio | 15.5052% | 3,142 |
| Total risk-based capital ratio | 16.7542% | 3,085 |
| Memoranda: |
| Average total assets | $127,810,500 | 4,032 |
| Average earning assets | $123,763,500 | 3,911 |
| Average equity | $12,868,000 | 4,261 |
| Average total loans | $78,019,000 | 3,961 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6894% | 4,815 |
| Cost of funding earning assets | 0.5330% | 2,353 |
| Net interest margin | 3.1564% | 5,056 |
| Noninterest income to average assets | 0.4491% | 3,834 |
| Noninterest expense to average assets | 2.3951% | 4,857 |
| Loan and lease loss provision to assets | 0.0525% | 3,505 |
| Net operating income to assets | 0.9914% | 2,424 |
| Return on assets (ROA) | 1.0259% | 2,351 |
| Pretax return on assets | 1.0800% | 3,165 |
| Return on Equity (ROE) | 10.6290% | 1,844 |
| Retained earnings to average equity (ytd only) | 6.8377% | 1,481 |
| Net charge-offs to loans | 0.0082% | 4,756 |
| Credit loss provision to net charge-offs | 1,083.3333% | 258 |
| Earnings coverage of net charge-offs (x) | 226.1667% | 242 |
| Efficiency ratio | 68.6025% | 3,792 |
| Assets per employee ($millions) | 5.3993% | 1,861 |
| Cash dividends to net income (ytd only)* | 35.6693% | 3,081 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3615% | 3,130 |
| Loan loss allowance to noncurrent loans | 893.2203% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 5,648 |
| Noncurrent loans to loans | 0.1524% | 5,284 |
| Net loans and leases to total assets | 61.4905% | 3,574 |
| Net loans and leases to deposits | 69.2017% | 4,006 |
| Net loans and leases to core deposits | 70.5371% | 4,273 |
| Total domestic deposits to total assets | 88.8569% | 1,317 |
| Equity capital to assets | 10.2363% | 3,811 |
| Core capital (leverage) ratio | 9.9985% | 3,576 |
| Tier 1 risk-based capital ratio | 15.6363% | 3,165 |
| Total risk-based capital ratio | 16.8869% | 3,093 |
| Memoranda: |
| Average total assets | $123,793,200 | 4,106 |
| Average earning assets | $119,314,000 | 3,987 |
| Average equity | $11,948,400 | 4,369 |
| Average total loans | $73,242,400 | 4,087 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6858% | 4,902 |
| Cost of funding earning assets | 0.5443% | 2,341 |
| Net interest margin | 3.1415% | 5,140 |
| Noninterest income to average assets | 0.4161% | 4,131 |
| Noninterest expense to average assets | 2.4339% | 4,720 |
| Loan and lease loss provision to assets | 0.0539% | 3,294 |
| Net operating income to assets | 0.9039% | 2,900 |
| Return on assets (ROA) | 0.9367% | 2,836 |
| Pretax return on assets | 0.9863% | 3,647 |
| Return on Equity (ROE) | 9.8545% | 2,288 |
| Retained earnings to average equity (ytd only) | 6.1236% | 2,334 |
| Net charge-offs to loans | 0.0092% | 4,406 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 186.5022% | 345 |
| Efficiency ratio | 70.7615% | 3,376 |
| Assets per employee ($millions) | 5.5728% | 1,657 |
| Cash dividends to net income (ytd only)* | 37.8599% | 2,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4207% | 3,078 |
| Loan loss allowance to noncurrent loans | 1,924.0741% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 5,984 |
| Noncurrent loans to loans | 0.0738% | 5,729 |
| Net loans and leases to total assets | 58.8029% | 3,963 |
| Net loans and leases to deposits | 66.0646% | 4,321 |
| Net loans and leases to core deposits | 68.1247% | 4,499 |
| Total domestic deposits to total assets | 89.0082% | 1,232 |
| Equity capital to assets | 10.0301% | 4,129 |
| Core capital (leverage) ratio | 9.9628% | 3,734 |
| Tier 1 risk-based capital ratio | 16.1525% | 2,982 |
| Total risk-based capital ratio | 17.4018% | 2,937 |
| Memoranda: |
| Average total assets | $123,695,250 | 4,143 |
| Average earning assets | $119,050,000 | 4,013 |
| Average equity | $11,757,500 | 4,433 |
| Average total loans | $72,199,000 | 4,150 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6665% | 4,959 |
| Cost of funding earning assets | 0.5496% | 2,351 |
| Net interest margin | 3.1169% | 5,203 |
| Noninterest income to average assets | 0.4240% | 4,062 |
| Noninterest expense to average assets | 2.4343% | 4,786 |
| Loan and lease loss provision to assets | 0.0564% | 3,169 |
| Net operating income to assets | 0.8857% | 2,883 |
| Return on assets (ROA) | 0.9286% | 2,770 |
| Pretax return on assets | 0.9769% | 3,577 |
| Return on Equity (ROE) | 9.9502% | 2,170 |
| Retained earnings to average equity (ytd only) | 6.9271% | 1,804 |
| Net charge-offs to loans | 0.0223% | 3,764 |
| Credit loss provision to net charge-offs | 437.5000% | 645 |
| Earnings coverage of net charge-offs (x) | 76.6250% | 688 |
| Efficiency ratio | 71.1258% | 3,485 |
| Assets per employee ($millions) | 5.0764% | 2,116 |
| Cash dividends to net income (ytd only)* | 30.3819% | 2,771 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4202% | 3,247 |
| Loan loss allowance to noncurrent loans | 4,857.1429% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 6,181 |
| Noncurrent loans to loans | 0.0292% | 5,977 |
| Net loans and leases to total assets | 58.1148% | 3,976 |
| Net loans and leases to deposits | 64.8593% | 4,394 |
| Net loans and leases to core deposits | 67.1469% | 4,538 |
| Total domestic deposits to total assets | 89.6013% | 1,016 |
| Equity capital to assets | 9.9251% | 4,211 |
| Core capital (leverage) ratio | 9.6406% | 4,123 |
| Tier 1 risk-based capital ratio | 16.2603% | 2,948 |
| Total risk-based capital ratio | 17.5121% | 2,898 |
| Memoranda: |
| Average total assets | $124,060,000 | 4,155 |
| Average earning assets | $119,350,000 | 4,025 |
| Average equity | $11,577,670 | 4,478 |
| Average total loans | $71,888,000 | 4,165 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6187% | 5,115 |
| Cost of funding earning assets | 0.5411% | 2,490 |
| Net interest margin | 3.0776% | 5,316 |
| Noninterest income to average assets | 0.4058% | 4,138 |
| Noninterest expense to average assets | 2.3967% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9232% | 2,536 |
| Return on assets (ROA) | 0.9778% | 2,352 |
| Pretax return on assets | 1.0290% | 3,214 |
| Return on Equity (ROE) | 10.8122% | 1,749 |
| Retained earnings to average equity (ytd only) | 7.2082% | 1,935 |
| Net charge-offs to loans | 0.0167% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 101.3333% | 451 |
| Efficiency ratio | 71.1575% | 3,631 |
| Assets per employee ($millions) | 5.5122% | 1,700 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,196 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3807% | 3,696 |
| Loan loss allowance to noncurrent loans | 5,829.4118% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 6,051 |
| Noncurrent loans to loans | 0.0237% | 6,088 |
| Net loans and leases to total assets | 55.8306% | 4,161 |
| Net loans and leases to deposits | 61.7773% | 4,573 |
| Net loans and leases to core deposits | 63.8452% | 4,700 |
| Total domestic deposits to total assets | 90.3739% | 876 |
| Equity capital to assets | 9.0842% | 5,017 |
| Core capital (leverage) ratio | 9.6359% | 4,088 |
| Tier 1 risk-based capital ratio | 16.0137% | 3,164 |
| Total risk-based capital ratio | 17.2645% | 3,118 |
| Memoranda: |
| Average total assets | $125,173,500 | 4,160 |
| Average earning assets | $120,484,500 | 4,031 |
| Average equity | $11,320,500 | 4,539 |
| Average total loans | $71,920,500 | 4,205 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8282% | 4,701 |
| Cost of funding earning assets | 0.6316% | 2,369 |
| Net interest margin | 3.1966% | 5,014 |
| Noninterest income to average assets | 0.4094% | 4,380 |
| Noninterest expense to average assets | 2.3915% | 5,094 |
| Loan and lease loss provision to assets | -0.2018% | 6,601 |
| Net operating income to assets | 1.2359% | 1,432 |
| Return on assets (ROA) | 1.2703% | 1,390 |
| Pretax return on assets | 1.3370% | 2,022 |
| Return on Equity (ROE) | 13.7602% | 1,003 |
| Retained earnings to average equity (ytd only) | 7.3085% | 1,313 |
| Net charge-offs to loans | -0.4550% | 6,718 |
| Credit loss provision to net charge-offs | 77.5316% | 3,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5155% | 4,096 |
| Assets per employee ($millions) | 5.1486% | 2,015 |
| Cash dividends to net income (ytd only)* | 46.8872% | 2,440 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3793% | 3,746 |
| Loan loss allowance to noncurrent loans | 2,761.1111% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 6,047 |
| Noncurrent loans to loans | 0.0500% | 6,080 |
| Net loans and leases to total assets | 57.5186% | 4,117 |
| Net loans and leases to deposits | 63.7486% | 4,532 |
| Net loans and leases to core deposits | 65.9418% | 4,700 |
| Total domestic deposits to total assets | 90.2272% | 950 |
| Equity capital to assets | 9.0024% | 5,032 |
| Core capital (leverage) ratio | 9.3787% | 4,437 |
| Tier 1 risk-based capital ratio | 15.5818% | 3,321 |
| Total risk-based capital ratio | 16.8325% | 3,277 |
| Memoranda: |
| Average total assets | $121,386,800 | 4,250 |
| Average earning assets | $117,000,200 | 4,110 |
| Average equity | $11,206,200 | 4,596 |
| Average total loans | $69,443,200 | 4,288 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8642% | 4,629 |
| Cost of funding earning assets | 0.6484% | 2,372 |
| Net interest margin | 3.2158% | 4,946 |
| Noninterest income to average assets | 0.4005% | 4,538 |
| Noninterest expense to average assets | 2.4395% | 4,909 |
| Loan and lease loss provision to assets | -0.2703% | 6,761 |
| Net operating income to assets | 1.2623% | 1,448 |
| Return on assets (ROA) | 1.3053% | 1,398 |
| Pretax return on assets | 1.3737% | 2,021 |
| Return on Equity (ROE) | 14.0494% | 987 |
| Retained earnings to average equity (ytd only) | 9.8690% | 818 |
| Net charge-offs to loans | -0.6493% | 6,804 |
| Credit loss provision to net charge-offs | 73.1343% | 2,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7476% | 3,798 |
| Assets per employee ($millions) | 4.9484% | 2,238 |
| Cash dividends to net income (ytd only)* | 29.7548% | 2,705 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4664% | 3,614 |
| Loan loss allowance to noncurrent loans | 797.6378% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 6,082 |
| Noncurrent loans to loans | 0.1838% | 5,779 |
| Net loans and leases to total assets | 57.3151% | 4,118 |
| Net loans and leases to deposits | 63.8040% | 4,538 |
| Net loans and leases to core deposits | 65.1761% | 4,781 |
| Total domestic deposits to total assets | 89.8300% | 1,095 |
| Equity capital to assets | 9.3558% | 4,738 |
| Core capital (leverage) ratio | 9.7877% | 3,978 |
| Tier 1 risk-based capital ratio | 16.0548% | 3,166 |
| Total risk-based capital ratio | 17.2953% | 3,129 |
| Memoranda: |
| Average total assets | $120,841,750 | 4,309 |
| Average earning assets | $116,380,750 | 4,166 |
| Average equity | $11,226,750 | 4,637 |
| Average total loans | $68,787,000 | 4,347 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7709% | 4,923 |
| Cost of funding earning assets | 0.6652% | 2,357 |
| Net interest margin | 3.1056% | 5,257 |
| Noninterest income to average assets | 0.3555% | 4,845 |
| Noninterest expense to average assets | 2.4339% | 4,952 |
| Loan and lease loss provision to assets | -0.0741% | 6,679 |
| Net operating income to assets | 0.9348% | 2,644 |
| Return on assets (ROA) | 0.9989% | 2,471 |
| Pretax return on assets | 1.0515% | 3,288 |
| Return on Equity (ROE) | 10.7764% | 1,892 |
| Retained earnings to average equity (ytd only) | 7.8471% | 1,548 |
| Net charge-offs to loans | -0.3843% | 6,793 |
| Credit loss provision to net charge-offs | 34.0909% | 3,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7854% | 3,343 |
| Assets per employee ($millions) | 4.6856% | 2,533 |
| Cash dividends to net income (ytd only)* | 27.1829% | 2,756 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4629% | 3,750 |
| Loan loss allowance to noncurrent loans | 580.4598% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 6,018 |
| Noncurrent loans to loans | 0.2520% | 5,679 |
| Net loans and leases to total assets | 58.0754% | 3,971 |
| Net loans and leases to deposits | 64.9714% | 4,381 |
| Net loans and leases to core deposits | 66.1928% | 4,669 |
| Total domestic deposits to total assets | 89.3861% | 1,390 |
| Equity capital to assets | 9.2873% | 4,876 |
| Core capital (leverage) ratio | 9.2053% | 4,694 |
| Tier 1 risk-based capital ratio | 15.6772% | 3,379 |
| Total risk-based capital ratio | 16.9287% | 3,326 |
| Memoranda: |
| Average total assets | $121,535,330 | 4,312 |
| Average earning assets | $116,948,670 | 4,177 |
| Average equity | $11,265,330 | 4,671 |
| Average total loans | $68,689,000 | 4,360 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6783% | 5,234 |
| Cost of funding earning assets | 0.6679% | 2,498 |
| Net interest margin | 3.0104% | 5,536 |
| Noninterest income to average assets | 0.3718% | 4,693 |
| Noninterest expense to average assets | 2.4213% | 5,053 |
| Loan and lease loss provision to assets | -0.1455% | 6,868 |
| Net operating income to assets | 0.9472% | 2,448 |
| Return on assets (ROA) | 0.9472% | 2,590 |
| Pretax return on assets | 0.9957% | 3,370 |
| Return on Equity (ROE) | 10.2282% | 1,985 |
| Retained earnings to average equity (ytd only) | 8.3082% | 1,637 |
| Net charge-offs to loans | -0.6480% | 6,884 |
| Credit loss provision to net charge-offs | 40.5405% | 2,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0119% | 3,262 |
| Assets per employee ($millions) | 5.4399% | 1,720 |
| Cash dividends to net income (ytd only)* | 18.7713% | 2,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4296% | 4,091 |
| Loan loss allowance to noncurrent loans | 1,163.5294% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 6,358 |
| Noncurrent loans to loans | 0.1229% | 6,102 |
| Net loans and leases to total assets | 54.5006% | 4,333 |
| Net loans and leases to deposits | 60.4280% | 4,745 |
| Net loans and leases to core deposits | 61.7697% | 4,971 |
| Total domestic deposits to total assets | 90.1909% | 938 |
| Equity capital to assets | 9.1777% | 5,278 |
| Core capital (leverage) ratio | 8.9364% | 4,991 |
| Tier 1 risk-based capital ratio | 15.0844% | 3,783 |
| Total risk-based capital ratio | 16.3359% | 3,738 |
| Memoranda: |
| Average total assets | $123,733,500 | 4,310 |
| Average earning assets | $119,185,500 | 4,172 |
| Average equity | $11,458,500 | 4,685 |
| Average total loans | $68,514,000 | 4,396 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1976% | 4,599 |
| Cost of funding earning assets | 0.7904% | 2,743 |
| Net interest margin | 3.4073% | 4,858 |
| Noninterest income to average assets | 0.4021% | 4,594 |
| Noninterest expense to average assets | 2.5904% | 4,771 |
| Loan and lease loss provision to assets | 0.0172% | 5,689 |
| Net operating income to assets | 0.9945% | 2,361 |
| Return on assets (ROA) | 1.0671% | 2,247 |
| Pretax return on assets | 1.1230% | 3,072 |
| Return on Equity (ROE) | 11.6846% | 1,602 |
| Retained earnings to average equity (ytd only) | 6.7172% | 1,707 |
| Net charge-offs to loans | -0.0693% | 6,770 |
| Credit loss provision to net charge-offs | -41.6667% | 6,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8911% | 3,642 |
| Assets per employee ($millions) | 4.8940% | 2,364 |
| Cash dividends to net income (ytd only)* | 42.5121% | 2,717 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3604% | 4,352 |
| Loan loss allowance to noncurrent loans | 744.3548% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 6,301 |
| Noncurrent loans to loans | 0.1828% | 6,015 |
| Net loans and leases to total assets | 54.7009% | 4,510 |
| Net loans and leases to deposits | 60.7099% | 4,943 |
| Net loans and leases to core deposits | 62.0829% | 5,147 |
| Total domestic deposits to total assets | 90.1021% | 898 |
| Equity capital to assets | 9.3454% | 5,088 |
| Core capital (leverage) ratio | 8.8619% | 5,080 |
| Tier 1 risk-based capital ratio | 15.1026% | 3,669 |
| Total risk-based capital ratio | 16.3538% | 3,612 |
| Memoranda: |
| Average total assets | $116,389,200 | 4,430 |
| Average earning assets | $111,086,200 | 4,315 |
| Average equity | $10,629,400 | 4,835 |
| Average total loans | $69,250,800 | 4,378 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3149% | 4,397 |
| Cost of funding earning assets | 0.8125% | 2,843 |
| Net interest margin | 3.5024% | 4,634 |
| Noninterest income to average assets | 0.4177% | 4,495 |
| Noninterest expense to average assets | 2.6701% | 4,500 |
| Loan and lease loss provision to assets | 0.0232% | 5,503 |
| Net operating income to assets | 1.0078% | 2,461 |
| Return on assets (ROA) | 1.1059% | 2,256 |
| Pretax return on assets | 1.1639% | 3,117 |
| Return on Equity (ROE) | 12.1845% | 1,570 |
| Retained earnings to average equity (ytd only) | 6.9808% | 2,145 |
| Net charge-offs to loans | -0.1552% | 6,946 |
| Credit loss provision to net charge-offs | -24.6914% | 6,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1283% | 3,483 |
| Assets per employee ($millions) | 4.7115% | 2,584 |
| Cash dividends to net income (ytd only)* | 42.7072% | 2,029 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3970% | 4,389 |
| Loan loss allowance to noncurrent loans | 593.7888% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1469% | 6,348 |
| Noncurrent loans to loans | 0.2353% | 6,019 |
| Net loans and leases to total assets | 57.2873% | 4,244 |
| Net loans and leases to deposits | 63.9611% | 4,715 |
| Net loans and leases to core deposits | 65.4697% | 5,002 |
| Total domestic deposits to total assets | 89.5659% | 1,087 |
| Equity capital to assets | 9.6641% | 4,969 |
| Core capital (leverage) ratio | 9.2052% | 4,755 |
| Tier 1 risk-based capital ratio | 14.6352% | 4,095 |
| Total risk-based capital ratio | 15.8863% | 4,058 |
| Memoranda: |
| Average total assets | $114,899,250 | 4,515 |
| Average earning assets | $109,447,250 | 4,405 |
| Average equity | $10,428,250 | 4,934 |
| Average total loans | $69,601,250 | 4,409 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4442% | 4,007 |
| Cost of funding earning assets | 0.8312% | 2,937 |
| Net interest margin | 3.6130% | 4,207 |
| Noninterest income to average assets | 0.4301% | 4,432 |
| Noninterest expense to average assets | 2.7050% | 4,398 |
| Loan and lease loss provision to assets | 0.0351% | 5,235 |
| Net operating income to assets | 1.0680% | 2,172 |
| Return on assets (ROA) | 1.1480% | 2,098 |
| Pretax return on assets | 1.2077% | 2,886 |
| Return on Equity (ROE) | 12.9377% | 1,378 |
| Retained earnings to average equity (ytd only) | 6.6271% | 2,312 |
| Net charge-offs to loans | -0.2315% | 7,030 |
| Credit loss provision to net charge-offs | -24.6914% | 5,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0136% | 3,761 |
| Assets per employee ($millions) | 4.5400% | 2,832 |
| Cash dividends to net income (ytd only)* | 48.7768% | 1,789 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3935% | 4,496 |
| Loan loss allowance to noncurrent loans | 713.4328% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 6,469 |
| Noncurrent loans to loans | 0.1953% | 6,192 |
| Net loans and leases to total assets | 59.6021% | 3,897 |
| Net loans and leases to deposits | 66.0390% | 4,506 |
| Net loans and leases to core deposits | 67.7852% | 4,814 |
| Total domestic deposits to total assets | 90.2529% | 791 |
| Equity capital to assets | 9.0713% | 5,618 |
| Core capital (leverage) ratio | 8.2932% | 5,917 |
| Tier 1 risk-based capital ratio | 11.5965% | 6,168 |
| Total risk-based capital ratio | 12.7541% | 6,192 |
| Memoranda: |
| Average total assets | $113,936,670 | 4,569 |
| Average earning assets | $108,277,000 | 4,453 |
| Average equity | $10,110,000 | 5,010 |
| Average total loans | $69,990,670 | 4,422 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4819% | 3,997 |
| Cost of funding earning assets | 0.8357% | 3,180 |
| Net interest margin | 3.6461% | 4,062 |
| Noninterest income to average assets | 0.4100% | 4,594 |
| Noninterest expense to average assets | 2.7542% | 4,220 |
| Loan and lease loss provision to assets | 0.0701% | 4,529 |
| Net operating income to assets | 0.9894% | 2,519 |
| Return on assets (ROA) | 1.1458% | 2,077 |
| Pretax return on assets | 1.2054% | 2,892 |
| Return on Equity (ROE) | 13.0578% | 1,390 |
| Retained earnings to average equity (ytd only) | 6.0297% | 2,938 |
| Net charge-offs to loans | -0.4697% | 7,140 |
| Credit loss provision to net charge-offs | -24.0964% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2602% | 3,578 |
| Assets per employee ($millions) | 4.4893% | 3,014 |
| Cash dividends to net income (ytd only)* | 53.8226% | 1,359 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3352% | 4,858 |
| Loan loss allowance to noncurrent loans | 674.6479% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 6,562 |
| Noncurrent loans to loans | 0.1979% | 6,287 |
| Net loans and leases to total assets | 60.6509% | 3,522 |
| Net loans and leases to deposits | 67.2694% | 4,183 |
| Net loans and leases to core deposits | 68.9957% | 4,563 |
| Total domestic deposits to total assets | 90.1612% | 1,000 |
| Equity capital to assets | 8.6342% | 5,949 |
| Core capital (leverage) ratio | 8.3500% | 5,810 |
| Tier 1 risk-based capital ratio | 12.5078% | 5,595 |
| Total risk-based capital ratio | 13.7581% | 5,561 |
| Memoranda: |
| Average total assets | $114,154,500 | 4,596 |
| Average earning assets | $108,169,500 | 4,479 |
| Average equity | $10,017,000 | 5,036 |
| Average total loans | $70,683,500 | 4,425 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6639% | 4,403 |
| Cost of funding earning assets | 0.9523% | 3,707 |
| Net interest margin | 3.7116% | 4,247 |
| Noninterest income to average assets | 0.4141% | 4,501 |
| Noninterest expense to average assets | 2.5906% | 5,133 |
| Loan and lease loss provision to assets | 0.0369% | 6,104 |
| Net operating income to assets | 1.2596% | 1,350 |
| Return on assets (ROA) | 1.2911% | 1,372 |
| Pretax return on assets | 1.3640% | 1,901 |
| Return on Equity (ROE) | 14.5839% | 815 |
| Retained earnings to average equity (ytd only) | 6.2815% | 1,862 |
| Net charge-offs to loans | 0.1808% | 4,704 |
| Credit loss provision to net charge-offs | 32.2581% | 5,753 |
| Earnings coverage of net charge-offs (x) | 11.9597% | 1,665 |
| Efficiency ratio | 65.4473% | 4,875 |
| Assets per employee ($millions) | 4.2918% | 3,271 |
| Cash dividends to net income (ytd only)* | 56.9286% | 1,704 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2282% | 5,264 |
| Loan loss allowance to noncurrent loans | 434.0102% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 6,509 |
| Noncurrent loans to loans | 0.2830% | 6,160 |
| Net loans and leases to total assets | 61.6210% | 3,676 |
| Net loans and leases to deposits | 68.2606% | 4,401 |
| Net loans and leases to core deposits | 70.2144% | 4,751 |
| Total domestic deposits to total assets | 90.2731% | 837 |
| Equity capital to assets | 8.9222% | 5,650 |
| Core capital (leverage) ratio | 8.2115% | 5,975 |
| Tier 1 risk-based capital ratio | 10.6616% | 6,621 |
| Total risk-based capital ratio | 11.6479% | 6,710 |
| Memoranda: |
| Average total assets | $108,430,800 | 4,680 |
| Average earning assets | $103,539,600 | 4,550 |
| Average equity | $9,599,600 | 5,121 |
| Average total loans | $68,597,200 | 4,544 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7006% | 4,465 |
| Cost of funding earning assets | 0.9757% | 3,848 |
| Net interest margin | 3.7249% | 4,226 |
| Noninterest income to average assets | 0.4286% | 4,450 |
| Noninterest expense to average assets | 2.6879% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2322% | 1,569 |
| Return on assets (ROA) | 1.2746% | 1,549 |
| Pretax return on assets | 1.3415% | 2,144 |
| Return on Equity (ROE) | 14.4258% | 957 |
| Retained earnings to average equity (ytd only) | 6.6451% | 2,171 |
| Net charge-offs to loans | 0.1736% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 11.7645% | 1,782 |
| Efficiency ratio | 67.4541% | 4,431 |
| Assets per employee ($millions) | 4.4423% | 3,015 |
| Cash dividends to net income (ytd only)* | 53.9356% | 1,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2593% | 5,193 |
| Loan loss allowance to noncurrent loans | 303.5714% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 6,433 |
| Noncurrent loans to loans | 0.4148% | 6,012 |
| Net loans and leases to total assets | 60.0115% | 4,124 |
| Net loans and leases to deposits | 67.3746% | 4,711 |
| Net loans and leases to core deposits | 69.3337% | 5,024 |
| Total domestic deposits to total assets | 89.0714% | 1,392 |
| Equity capital to assets | 8.8873% | 5,875 |
| Core capital (leverage) ratio | 8.4666% | 5,754 |
| Tier 1 risk-based capital ratio | 13.2156% | 4,940 |
| Total risk-based capital ratio | 14.4481% | 4,929 |
| Memoranda: |
| Average total assets | $107,641,750 | 4,724 |
| Average earning assets | $102,765,000 | 4,598 |
| Average equity | $9,510,500 | 5,176 |
| Average total loans | $68,342,500 | 4,588 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7790% | 4,179 |
| Cost of funding earning assets | 1.0065% | 3,910 |
| Net interest margin | 3.7725% | 3,925 |
| Noninterest income to average assets | 0.4056% | 4,631 |
| Noninterest expense to average assets | 2.7098% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2340% | 1,477 |
| Return on assets (ROA) | 1.2751% | 1,447 |
| Pretax return on assets | 1.3427% | 1,990 |
| Return on Equity (ROE) | 14.4612% | 894 |
| Retained earnings to average equity (ytd only) | 7.3264% | 1,726 |
| Net charge-offs to loans | 0.1107% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 18.2105% | 1,270 |
| Efficiency ratio | 67.5878% | 4,590 |
| Assets per employee ($millions) | 4.0798% | 3,586 |
| Cash dividends to net income (ytd only)* | 49.3373% | 1,716 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3531% | 4,818 |
| Loan loss allowance to noncurrent loans | 64.1738% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3425% | 4,214 |
| Noncurrent loans to loans | 2.1085% | 3,344 |
| Net loans and leases to total assets | 61.9266% | 3,901 |
| Net loans and leases to deposits | 69.2524% | 4,529 |
| Net loans and leases to core deposits | 71.4691% | 4,894 |
| Total domestic deposits to total assets | 89.4215% | 1,287 |
| Equity capital to assets | 9.1003% | 5,436 |
| Core capital (leverage) ratio | 8.3810% | 5,739 |
| Tier 1 risk-based capital ratio | 13.2760% | 4,708 |
| Total risk-based capital ratio | 14.5276% | 4,681 |
| Memoranda: |
| Average total assets | $106,503,330 | 4,791 |
| Average earning assets | $101,737,330 | 4,659 |
| Average equity | $9,390,670 | 5,213 |
| Average total loans | $68,624,330 | 4,627 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7690% | 4,209 |
| Cost of funding earning assets | 1.0379% | 3,935 |
| Net interest margin | 3.7311% | 3,939 |
| Noninterest income to average assets | 0.4385% | 4,379 |
| Noninterest expense to average assets | 2.7212% | 4,748 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2112% | 1,500 |
| Return on assets (ROA) | 1.2931% | 1,329 |
| Pretax return on assets | 1.3606% | 1,844 |
| Return on Equity (ROE) | 14.9036% | 833 |
| Retained earnings to average equity (ytd only) | 8.2510% | 1,636 |
| Net charge-offs to loans | 0.2240% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.7179% | 1,796 |
| Efficiency ratio | 68.1051% | 4,635 |
| Assets per employee ($millions) | 4.3667% | 3,097 |
| Cash dividends to net income (ytd only)* | 44.6377% | 1,632 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2958% | 5,151 |
| Loan loss allowance to noncurrent loans | 56.4698% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.4766% | 4,037 |
| Noncurrent loans to loans | 2.2946% | 3,202 |
| Net loans and leases to total assets | 62.7290% | 3,710 |
| Net loans and leases to deposits | 70.6504% | 4,245 |
| Net loans and leases to core deposits | 72.6239% | 4,707 |
| Total domestic deposits to total assets | 88.7879% | 1,905 |
| Equity capital to assets | 8.5804% | 5,797 |
| Core capital (leverage) ratio | 8.4929% | 5,467 |
| Tier 1 risk-based capital ratio | 12.5982% | 5,170 |
| Total risk-based capital ratio | 13.8492% | 5,146 |
| Memoranda: |
| Average total assets | $106,718,000 | 4,819 |
| Average earning assets | $101,739,500 | 4,697 |
| Average equity | $9,259,500 | 5,245 |
| Average total loans | $69,642,000 | 4,633 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2295% | 3,466 |
| Cost of funding earning assets | 1.2825% | 4,000 |
| Net interest margin | 3.9470% | 3,270 |
| Noninterest income to average assets | 0.4566% | 4,465 |
| Noninterest expense to average assets | 2.7561% | 4,760 |
| Loan and lease loss provision to assets | 0.2637% | 4,687 |
| Net operating income to assets | 1.1077% | 1,684 |
| Return on assets (ROA) | 1.2293% | 1,417 |
| Pretax return on assets | 1.2942% | 1,943 |
| Return on Equity (ROE) | 13.7703% | 935 |
| Retained earnings to average equity (ytd only) | 3.4969% | 3,418 |
| Net charge-offs to loans | -0.0248% | 7,384 |
| Credit loss provision to net charge-offs | -1,600.0000% | 7,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8407% | 4,999 |
| Assets per employee ($millions) | 4.0103% | 3,763 |
| Cash dividends to net income (ytd only)* | 74.6057% | 1,036 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3433% | 4,793 |
| Loan loss allowance to noncurrent loans | 60.1537% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.4971% | 4,073 |
| Noncurrent loans to loans | 2.2330% | 3,292 |
| Net loans and leases to total assets | 66.1430% | 3,439 |
| Net loans and leases to deposits | 73.5700% | 4,264 |
| Net loans and leases to core deposits | 76.2198% | 4,678 |
| Total domestic deposits to total assets | 89.9049% | 1,156 |
| Equity capital to assets | 8.7774% | 5,473 |
| Core capital (leverage) ratio | 8.1035% | 6,008 |
| Tier 1 risk-based capital ratio | 10.0448% | 6,965 |
| Total risk-based capital ratio | 11.1364% | 7,021 |
| Memoranda: |
| Average total assets | $103,152,200 | 4,893 |
| Average earning assets | $97,465,800 | 4,790 |
| Average equity | $9,208,200 | 5,353 |
| Average total loans | $68,535,000 | 4,736 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2614% | 3,528 |
| Cost of funding earning assets | 1.3050% | 4,180 |
| Net interest margin | 3.9564% | 3,302 |
| Noninterest income to average assets | 0.4769% | 4,356 |
| Noninterest expense to average assets | 2.7995% | 4,492 |
| Loan and lease loss provision to assets | 0.3525% | 3,793 |
| Net operating income to assets | 0.9936% | 2,256 |
| Return on assets (ROA) | 1.1561% | 1,812 |
| Pretax return on assets | 1.2170% | 2,430 |
| Return on Equity (ROE) | 12.8960% | 1,284 |
| Retained earnings to average equity (ytd only) | 5.1034% | 2,914 |
| Net charge-offs to loans | -0.0274% | 7,393 |
| Credit loss provision to net charge-offs | -1,942.8571% | 7,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6872% | 4,716 |
| Assets per employee ($millions) | 3.9123% | 4,009 |
| Cash dividends to net income (ytd only)* | 60.4263% | 1,235 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3235% | 4,837 |
| Loan loss allowance to noncurrent loans | 59.2663% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4967% | 4,207 |
| Noncurrent loans to loans | 2.2331% | 3,413 |
| Net loans and leases to total assets | 66.1368% | 3,655 |
| Net loans and leases to deposits | 74.6091% | 4,415 |
| Net loans and leases to core deposits | 77.3509% | 4,880 |
| Total domestic deposits to total assets | 88.6444% | 1,594 |
| Equity capital to assets | 9.0144% | 5,557 |
| Core capital (leverage) ratio | 8.3830% | 5,730 |
| Tier 1 risk-based capital ratio | 12.1490% | 5,318 |
| Total risk-based capital ratio | 13.4003% | 5,282 |
| Memoranda: |
| Average total assets | $102,873,250 | 4,970 |
| Average earning assets | $96,753,000 | 4,869 |
| Average equity | $9,222,250 | 5,420 |
| Average total loans | $68,192,500 | 4,822 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3132% | 3,401 |
| Cost of funding earning assets | 1.3267% | 4,366 |
| Net interest margin | 3.9865% | 3,083 |
| Noninterest income to average assets | 0.5159% | 3,986 |
| Noninterest expense to average assets | 2.7993% | 4,483 |
| Loan and lease loss provision to assets | 0.3237% | 3,804 |
| Net operating income to assets | 1.0742% | 1,936 |
| Return on assets (ROA) | 1.3202% | 1,331 |
| Pretax return on assets | 1.3889% | 1,863 |
| Return on Equity (ROE) | 14.7550% | 899 |
| Retained earnings to average equity (ytd only) | 7.2788% | 1,720 |
| Net charge-offs to loans | -0.0475% | 7,441 |
| Credit loss provision to net charge-offs | -1,031.2500% | 6,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8210% | 5,017 |
| Assets per employee ($millions) | 3.7962% | 4,229 |
| Cash dividends to net income (ytd only)* | 50.6686% | 1,650 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2124% | 5,388 |
| Loan loss allowance to noncurrent loans | 52.0325% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5600% | 4,121 |
| Noncurrent loans to loans | 2.3301% | 3,336 |
| Net loans and leases to total assets | 66.1408% | 3,803 |
| Net loans and leases to deposits | 76.1360% | 4,309 |
| Net loans and leases to core deposits | 77.9006% | 4,968 |
| Total domestic deposits to total assets | 86.8719% | 2,609 |
| Equity capital to assets | 9.0655% | 5,344 |
| Core capital (leverage) ratio | 8.3489% | 5,670 |
| Tier 1 risk-based capital ratio | 12.5016% | 4,861 |
| Total risk-based capital ratio | 13.7045% | 4,880 |
| Memoranda: |
| Average total assets | $101,954,000 | 5,022 |
| Average earning assets | $95,572,670 | 4,944 |
| Average equity | $9,122,330 | 5,468 |
| Average total loans | $67,324,000 | 4,886 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4222% | 2,930 |
| Cost of funding earning assets | 1.3587% | 4,430 |
| Net interest margin | 4.0634% | 2,596 |
| Noninterest income to average assets | 0.5547% | 3,612 |
| Noninterest expense to average assets | 2.8599% | 4,227 |
| Loan and lease loss provision to assets | 0.4131% | 2,894 |
| Net operating income to assets | 0.9953% | 2,207 |
| Return on assets (ROA) | 0.9953% | 2,275 |
| Pretax return on assets | 1.0464% | 2,915 |
| Return on Equity (ROE) | 11.1978% | 1,720 |
| Retained earnings to average equity (ytd only) | 4.8686% | 3,229 |
| Net charge-offs to loans | 0.0060% | 5,528 |
| Credit loss provision to net charge-offs | 10,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 73 |
| Efficiency ratio | 66.2113% | 5,071 |
| Assets per employee ($millions) | 3.8289% | 4,255 |
| Cash dividends to net income (ytd only)* | 56.5217% | 1,328 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1368% | 5,833 |
| Loan loss allowance to noncurrent loans | 188.7500% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 6,505 |
| Noncurrent loans to loans | 0.6023% | 6,101 |
| Net loans and leases to total assets | 63.5107% | 4,426 |
| Net loans and leases to deposits | 72.5214% | 4,983 |
| Net loans and leases to core deposits | 74.1421% | 5,488 |
| Total domestic deposits to total assets | 87.5751% | 2,315 |
| Equity capital to assets | 8.7482% | 5,656 |
| Core capital (leverage) ratio | 8.3422% | 5,658 |
| Tier 1 risk-based capital ratio | 10.0812% | 6,976 |
| Total risk-based capital ratio | 10.9844% | 7,188 |
| Memoranda: |
| Average total assets | $101,682,000 | 5,097 |
| Average earning assets | $94,206,000 | 5,042 |
| Average equity | $9,037,500 | 5,536 |
| Average total loans | $66,673,500 | 4,982 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7531% | 2,850 |
| Cost of funding earning assets | 1.5554% | 5,258 |
| Net interest margin | 4.1977% | 2,067 |
| Noninterest income to average assets | 0.5036% | 4,379 |
| Noninterest expense to average assets | 3.0680% | 3,880 |
| Loan and lease loss provision to assets | 0.3304% | 4,834 |
| Net operating income to assets | 1.0326% | 1,734 |
| Return on assets (ROA) | 1.0643% | 1,657 |
| Pretax return on assets | 1.1202% | 2,187 |
| Return on Equity (ROE) | 11.3391% | 1,340 |
| Retained earnings to average equity (ytd only) | 4.6549% | 1,998 |
| Net charge-offs to loans | 0.5488% | 3,590 |
| Credit loss provision to net charge-offs | 83.8798% | 6,191 |
| Earnings coverage of net charge-offs (x) | 3.5984% | 3,277 |
| Efficiency ratio | 68.4021% | 4,944 |
| Assets per employee ($millions) | 3.7031% | 4,513 |
| Cash dividends to net income (ytd only)* | 58.9484% | 2,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9726% | 6,523 |
| Loan loss allowance to noncurrent loans | 166.4962% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 6,473 |
| Noncurrent loans to loans | 0.5842% | 6,074 |
| Net loans and leases to total assets | 66.2943% | 4,080 |
| Net loans and leases to deposits | 75.3156% | 4,838 |
| Net loans and leases to core deposits | 85.5320% | 5,568 |
| Total domestic deposits to total assets | 88.0220% | 1,966 |
| Equity capital to assets | 9.0325% | 5,086 |
| Core capital (leverage) ratio | 8.2682% | 5,681 |
| Tier 1 risk-based capital ratio | 12.3162% | 4,664 |
| Total risk-based capital ratio | 13.2803% | 4,878 |
| Memoranda: |
| Average total assets | $92,926,400 | 5,304 |
| Average earning assets | $88,144,000 | 5,192 |
| Average equity | $8,722,000 | 5,692 |
| Average total loans | $66,687,200 | 4,992 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8008% | 2,889 |
| Cost of funding earning assets | 1.5984% | 5,407 |
| Net interest margin | 4.2025% | 2,057 |
| Noninterest income to average assets | 0.5324% | 4,218 |
| Noninterest expense to average assets | 3.2220% | 3,229 |
| Loan and lease loss provision to assets | 0.1302% | 6,053 |
| Net operating income to assets | 1.1237% | 1,658 |
| Return on assets (ROA) | 1.1598% | 1,624 |
| Pretax return on assets | 1.2212% | 2,194 |
| Return on Equity (ROE) | 12.2307% | 1,300 |
| Retained earnings to average equity (ytd only) | 5.4290% | 2,236 |
| Net charge-offs to loans | 0.0200% | 6,624 |
| Credit loss provision to net charge-offs | 890.0000% | 427 |
| Earnings coverage of net charge-offs (x) | 89.8200% | 391 |
| Efficiency ratio | 71.0416% | 4,415 |
| Assets per employee ($millions) | 3.3055% | 5,388 |
| Cash dividends to net income (ytd only)* | 55.6119% | 1,785 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1824% | 5,210 |
| Loan loss allowance to noncurrent loans | 95.9854% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 5,344 |
| Noncurrent loans to loans | 1.2318% | 4,890 |
| Net loans and leases to total assets | 68.7899% | 3,774 |
| Net loans and leases to deposits | 78.7885% | 4,601 |
| Net loans and leases to core deposits | 89.8441% | 5,446 |
| Total domestic deposits to total assets | 87.3096% | 2,011 |
| Equity capital to assets | 9.3929% | 4,895 |
| Core capital (leverage) ratio | 8.9819% | 4,678 |
| Tier 1 risk-based capital ratio | 10.6011% | 6,342 |
| Total risk-based capital ratio | 11.6135% | 6,548 |
| Memoranda: |
| Average total assets | $91,162,250 | 5,389 |
| Average earning assets | $86,835,750 | 5,273 |
| Average equity | $8,644,750 | 5,773 |
| Average total loans | $66,625,500 | 5,035 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8661% | 2,735 |
| Cost of funding earning assets | 1.6380% | 5,567 |
| Net interest margin | 4.2281% | 1,883 |
| Noninterest income to average assets | 0.5447% | 4,075 |
| Noninterest expense to average assets | 3.2970% | 2,970 |
| Loan and lease loss provision to assets | 0.2009% | 5,048 |
| Net operating income to assets | 1.0362% | 1,986 |
| Return on assets (ROA) | 1.0871% | 1,894 |
| Pretax return on assets | 1.1451% | 2,483 |
| Return on Equity (ROE) | 11.4252% | 1,581 |
| Retained earnings to average equity (ytd only) | 4.4575% | 2,813 |
| Net charge-offs to loans | 0.0300% | 6,044 |
| Credit loss provision to net charge-offs | 900.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 57.9000% | 615 |
| Efficiency ratio | 71.8385% | 4,446 |
| Assets per employee ($millions) | 3.0538% | 5,989 |
| Cash dividends to net income (ytd only)* | 60.9856% | 1,647 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1885% | 5,024 |
| Loan loss allowance to noncurrent loans | 91.6473% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9869% | 4,996 |
| Noncurrent loans to loans | 1.2969% | 4,612 |
| Net loans and leases to total assets | 74.1613% | 2,664 |
| Net loans and leases to deposits | 83.8393% | 3,910 |
| Net loans and leases to core deposits | 95.8579% | 4,919 |
| Total domestic deposits to total assets | 88.4565% | 1,548 |
| Equity capital to assets | 9.7334% | 4,301 |
| Core capital (leverage) ratio | 8.9014% | 4,781 |
| Tier 1 risk-based capital ratio | 12.4007% | 4,598 |
| Total risk-based capital ratio | 13.6103% | 4,554 |
| Memoranda: |
| Average total assets | $89,596,330 | 5,476 |
| Average earning assets | $85,712,670 | 5,350 |
| Average equity | $8,525,000 | 5,838 |
| Average total loans | $66,590,330 | 5,085 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8646% | 2,967 |
| Cost of funding earning assets | 1.6363% | 5,880 |
| Net interest margin | 4.2283% | 1,813 |
| Noninterest income to average assets | 0.6259% | 3,375 |
| Noninterest expense to average assets | 3.1915% | 3,027 |
| Loan and lease loss provision to assets | 0.0444% | 6,412 |
| Net operating income to assets | 1.3459% | 1,273 |
| Return on assets (ROA) | 1.4471% | 1,121 |
| Pretax return on assets | 1.5225% | 1,605 |
| Return on Equity (ROE) | 15.3819% | 907 |
| Retained earnings to average equity (ytd only) | 8.8705% | 1,520 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6069% | 4,850 |
| Assets per employee ($millions) | 3.0973% | 5,894 |
| Cash dividends to net income (ytd only)* | 42.3313% | 2,004 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0752% | 5,653 |
| Loan loss allowance to noncurrent loans | 81.3559% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 4,729 |
| Noncurrent loans to loans | 1.3216% | 4,335 |
| Net loans and leases to total assets | 73.7495% | 2,821 |
| Net loans and leases to deposits | 84.2167% | 3,947 |
| Net loans and leases to core deposits | 95.3233% | 5,032 |
| Total domestic deposits to total assets | 87.5711% | 1,935 |
| Equity capital to assets | 9.6211% | 4,497 |
| Core capital (leverage) ratio | 9.1084% | 4,542 |
| Tier 1 risk-based capital ratio | 12.2792% | 4,718 |
| Total risk-based capital ratio | 13.3708% | 4,758 |
| Memoranda: |
| Average total assets | $90,114,000 | 5,480 |
| Average earning assets | $85,802,500 | 5,365 |
| Average equity | $8,477,500 | 5,887 |
| Average total loans | $66,651,500 | 5,112 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1788% | 4,621 |
| Cost of funding earning assets | 2.0873% | 6,105 |
| Net interest margin | 4.0915% | 2,748 |
| Noninterest income to average assets | 0.6059% | 3,802 |
| Noninterest expense to average assets | 2.9814% | 4,150 |
| Loan and lease loss provision to assets | 0.1266% | 5,745 |
| Net operating income to assets | 1.3024% | 1,478 |
| Return on assets (ROA) | 1.3133% | 1,404 |
| Pretax return on assets | 1.3829% | 2,018 |
| Return on Equity (ROE) | 14.3706% | 1,034 |
| Retained earnings to average equity (ytd only) | 4.5072% | 2,323 |
| Net charge-offs to loans | 0.0160% | 6,655 |
| Credit loss provision to net charge-offs | 1,110.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 131.3000% | 338 |
| Efficiency ratio | 66.5563% | 5,013 |
| Assets per employee ($millions) | 3.1174% | 5,728 |
| Cash dividends to net income (ytd only)* | 68.6360% | 2,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0703% | 5,481 |
| Loan loss allowance to noncurrent loans | 87.7627% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.8949% | 4,613 |
| Noncurrent loans to loans | 1.2195% | 4,075 |
| Net loans and leases to total assets | 72.5944% | 3,463 |
| Net loans and leases to deposits | 82.8241% | 4,599 |
| Net loans and leases to core deposits | 93.3384% | 5,511 |
| Total domestic deposits to total assets | 87.6489% | 1,639 |
| Equity capital to assets | 9.1953% | 5,089 |
| Core capital (leverage) ratio | 8.7876% | 5,060 |
| Tier 1 risk-based capital ratio | 12.2081% | 4,659 |
| Total risk-based capital ratio | 13.3038% | 4,662 |
| Memoranda: |
| Average total assets | $87,643,200 | 5,430 |
| Average earning assets | $82,977,800 | 5,330 |
| Average equity | $8,009,400 | 6,084 |
| Average total loans | $62,586,200 | 5,153 |
