| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8697% | 750 |
| Cost of funding earning assets | 1.4124% | 2,200 |
| Net interest margin | 4.4574% | 654 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.8927% | 1,290 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.7210% | 705 |
| Return on assets (ROA) | 1.7210% | 674 |
| Pretax return on assets | 1.7210% | 1,021 |
| Return on Equity (ROE) | 17.5100% | 890 |
| Retained earnings to average equity (ytd only) | 10.0928% | 999 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.2047% | 2,809 |
| Assets per employee ($millions) | 5.0768% | 3,574 |
| Cash dividends to net income (ytd only)* | 42.3759% | 1,980 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4938% | 1,073 |
| Loan loss allowance to noncurrent loans | 55.0614% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 2.4294% | 97 |
| Noncurrent loans to loans | 2.7130% | 168 |
| Net loans and leases to total assets | 88.2100% | 79 |
| Net loans and leases to deposits | 108.4164% | 232 |
| Net loans and leases to core deposits | 111.7415% | 893 |
| Total domestic deposits to total assets | 81.3600% | 3,243 |
| Equity capital to assets | 10.1030% | 1,946 |
| Core capital (leverage) ratio | 10.4491% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8996% | 2,272 |
| Memoranda: |
| Average total assets | $163,860,800 | 3,244 |
| Average earning assets | $153,924,800 | 3,216 |
| Average equity | $16,100,600 | 3,172 |
| Average total loans | $146,671,600 | 2,701 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8327% | 651 |
| Cost of funding earning assets | 1.2721% | 2,218 |
| Net interest margin | 4.5606% | 567 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.9490% | 1,139 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.7658% | 708 |
| Return on assets (ROA) | 1.7658% | 694 |
| Pretax return on assets | 1.7658% | 1,051 |
| Return on Equity (ROE) | 18.1000% | 941 |
| Retained earnings to average equity (ytd only) | 11.0561% | 1,149 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.9031% | 2,729 |
| Assets per employee ($millions) | 4.5339% | 3,916 |
| Cash dividends to net income (ytd only)* | 38.9249% | 1,695 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5760% | 927 |
| Loan loss allowance to noncurrent loans | 1,697.7273% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,034 |
| Noncurrent loans to loans | 0.0928% | 3,113 |
| Net loans and leases to total assets | 88.2000% | 71 |
| Net loans and leases to deposits | 99.9650% | 520 |
| Net loans and leases to core deposits | 102.1726% | 1,204 |
| Total domestic deposits to total assets | 88.2300% | 1,499 |
| Equity capital to assets | 10.3759% | 1,611 |
| Core capital (leverage) ratio | 10.4496% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3697% | 2,128 |
| Memoranda: |
| Average total assets | $162,942,500 | 3,259 |
| Average earning assets | $153,132,500 | 3,235 |
| Average equity | $15,894,250 | 3,181 |
| Average total loans | $145,835,000 | 2,712 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6552% | 681 |
| Cost of funding earning assets | 1.1432% | 2,156 |
| Net interest margin | 4.5120% | 597 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.9374% | 1,145 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.7352% | 733 |
| Return on assets (ROA) | 1.7352% | 738 |
| Pretax return on assets | 1.7352% | 1,142 |
| Return on Equity (ROE) | 18.1600% | 931 |
| Retained earnings to average equity (ytd only) | 10.2649% | 1,339 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.8974% | 2,724 |
| Assets per employee ($millions) | 4.6633% | 3,849 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,553 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5296% | 1,092 |
| 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 | 88.3900% | 71 |
| Net loans and leases to deposits | 100.0971% | 511 |
| Net loans and leases to core deposits | 103.5204% | 1,067 |
| Total domestic deposits to total assets | 88.3000% | 1,495 |
| Equity capital to assets | 9.8238% | 1,961 |
| Core capital (leverage) ratio | 9.9203% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8652% | 2,348 |
| Memoranda: |
| Average total assets | $164,361,667 | 3,251 |
| Average earning assets | $154,476,000 | 3,237 |
| Average equity | $15,704,000 | 3,213 |
| Average total loans | $147,048,667 | 2,702 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4012% | 713 |
| Cost of funding earning assets | 0.8576% | 2,515 |
| Net interest margin | 4.5436% | 547 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.9418% | 1,157 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.5861% | 1,007 |
| Return on assets (ROA) | 1.5861% | 1,003 |
| Pretax return on assets | 1.5861% | 1,499 |
| Return on Equity (ROE) | 16.8400% | 1,205 |
| Retained earnings to average equity (ytd only) | 15.6767% | 721 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9476% | 2,576 |
| Assets per employee ($millions) | 4.5353% | 4,004 |
| Cash dividends to net income (ytd only)* | 6.8807% | 2,225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4973% | 1,270 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 3,089 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 87.8500% | 77 |
| Net loans and leases to deposits | 100.1957% | 439 |
| Net loans and leases to core deposits | 104.4619% | 899 |
| Total domestic deposits to total assets | 87.6800% | 2,032 |
| Equity capital to assets | 9.4610% | 2,171 |
| Core capital (leverage) ratio | 9.8604% | 2,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8887% | 2,433 |
| Memoranda: |
| Average total assets | $164,934,500 | 3,294 |
| Average earning assets | $154,855,000 | 3,269 |
| Average equity | $15,539,000 | 3,257 |
| Average total loans | $147,320,000 | 2,730 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5423% | 673 |
| Cost of funding earning assets | 0.4535% | 1,698 |
| Net interest margin | 4.0887% | 673 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.7467% | 1,447 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4680% | 962 |
| Return on assets (ROA) | 1.5083% | 834 |
| Pretax return on assets | 1.5083% | 1,428 |
| Return on Equity (ROE) | 17.2600% | 820 |
| Retained earnings to average equity (ytd only) | 9.3199% | 1,382 |
| Net charge-offs to loans | -0.0107% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.0286% | 2,485 |
| Assets per employee ($millions) | 4.6304% | 3,954 |
| Cash dividends to net income (ytd only)* | 46.0159% | 1,595 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5044% | 1,186 |
| Loan loss allowance to noncurrent loans | 1,848.3051% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,060 |
| Noncurrent loans to loans | 0.0814% | 3,174 |
| Net loans and leases to total assets | 88.1100% | 67 |
| Net loans and leases to deposits | 99.8196% | 440 |
| Net loans and leases to core deposits | 102.3305% | 884 |
| Total domestic deposits to total assets | 88.2700% | 1,983 |
| Equity capital to assets | 9.3802% | 2,089 |
| Core capital (leverage) ratio | 9.4833% | 3,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4772% | 2,578 |
| Memoranda: |
| Average total assets | $166,416,600 | 3,292 |
| Average earning assets | $156,111,400 | 3,272 |
| Average equity | $14,538,800 | 3,411 |
| Average total loans | $139,846,400 | 2,728 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3325% | 679 |
| Cost of funding earning assets | 0.4151% | 1,190 |
| Net interest margin | 3.9175% | 772 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.6872% | 1,498 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.3786% | 1,144 |
| Return on assets (ROA) | 1.4320% | 977 |
| Pretax return on assets | 1.4320% | 1,624 |
| Return on Equity (ROE) | 16.6900% | 858 |
| Retained earnings to average equity (ytd only) | 8.2931% | 1,890 |
| Net charge-offs to loans | -0.0144% | 3,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8233% | 2,436 |
| Assets per employee ($millions) | 4.6764% | 3,927 |
| Cash dividends to net income (ytd only)* | 50.3057% | 1,188 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5009% | 1,287 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 84.0500% | 239 |
| Net loans and leases to deposits | 98.9565% | 408 |
| Net loans and leases to core deposits | 100.2679% | 798 |
| Total domestic deposits to total assets | 84.9300% | 3,304 |
| Equity capital to assets | 8.6979% | 2,406 |
| Core capital (leverage) ratio | 9.1219% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1018% | 2,787 |
| Memoranda: |
| Average total assets | $167,504,750 | 3,310 |
| Average earning assets | $157,071,000 | 3,291 |
| Average equity | $14,373,000 | 3,474 |
| Average total loans | $138,564,500 | 2,743 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1311% | 726 |
| Cost of funding earning assets | 0.4143% | 838 |
| Net interest margin | 3.7168% | 887 |
| Noninterest income to average assets | 0.4700% | 2,351 |
| Noninterest expense to average assets | 2.6862% | 1,423 |
| Loan and lease loss provision to assets | 0.0359% | 1,940 |
| Net operating income to assets | 1.2247% | 1,351 |
| Return on assets (ROA) | 1.3048% | 1,107 |
| Pretax return on assets | 1.3048% | 1,734 |
| Return on Equity (ROE) | 15.2769% | 838 |
| Retained earnings to average equity (ytd only) | 9.3258% | 1,193 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0606% | 2,233 |
| Assets per employee ($millions) | 4.5064% | 4,065 |
| Cash dividends to net income (ytd only)* | 38.9551% | 1,766 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4902% | 1,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 82.1111% | 282 |
| Net loans and leases to deposits | 93.4615% | 542 |
| Net loans and leases to core deposits | 95.2543% | 856 |
| Total domestic deposits to total assets | 87.8556% | 2,629 |
| Equity capital to assets | 8.7300% | 2,593 |
| Core capital (leverage) ratio | 8.6535% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1565% | 2,767 |
| Memoranda: |
| Average total assets | $167,222,667 | 3,353 |
| Average earning assets | $156,424,667 | 3,342 |
| Average equity | $14,283,000 | 3,558 |
| Average total loans | $136,869,667 | 2,775 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0564% | 691 |
| Cost of funding earning assets | 0.4274% | 739 |
| Net interest margin | 3.6290% | 851 |
| Noninterest income to average assets | 0.3869% | 2,772 |
| Noninterest expense to average assets | 2.6847% | 1,400 |
| Loan and lease loss provision to assets | 0.0478% | 1,513 |
| Net operating income to assets | 1.0414% | 1,718 |
| Return on assets (ROA) | 1.0414% | 1,716 |
| Pretax return on assets | 1.0414% | 2,319 |
| Return on Equity (ROE) | 12.3281% | 1,217 |
| Retained earnings to average equity (ytd only) | 6.5599% | 2,051 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1392% | 2,088 |
| Assets per employee ($millions) | 4.9123% | 3,821 |
| Cash dividends to net income (ytd only)* | 46.7890% | 1,333 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5019% | 1,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 2,724 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 78.6131% | 331 |
| Net loans and leases to deposits | 88.8364% | 568 |
| Net loans and leases to core deposits | 90.3241% | 909 |
| Total domestic deposits to total assets | 88.4920% | 2,300 |
| Equity capital to assets | 8.2643% | 3,353 |
| Core capital (leverage) ratio | 8.4974% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9358% | 2,901 |
| Memoranda: |
| Average total assets | $167,466,500 | 3,366 |
| Average earning assets | $156,296,500 | 3,359 |
| Average equity | $14,146,500 | 3,641 |
| Average total loans | $135,815,000 | 2,789 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6141% | 497 |
| Cost of funding earning assets | 0.6174% | 504 |
| Net interest margin | 3.9967% | 716 |
| Noninterest income to average assets | 0.4939% | 2,600 |
| Noninterest expense to average assets | 2.7915% | 1,380 |
| Loan and lease loss provision to assets | 0.1548% | 767 |
| Net operating income to assets | 1.2668% | 1,697 |
| Return on assets (ROA) | 1.2668% | 1,752 |
| Pretax return on assets | 1.2668% | 2,466 |
| Return on Equity (ROE) | 14.5468% | 1,057 |
| Retained earnings to average equity (ytd only) | 6.1714% | 2,285 |
| Net charge-offs to loans | -0.0032% | 3,447 |
| Credit loss provision to net charge-offs | -6,050.0000% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6644% | 2,308 |
| Assets per employee ($millions) | 4.5278% | 4,092 |
| Cash dividends to net income (ytd only)* | 57.5758% | 1,191 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5185% | 1,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 2,817 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 81.2063% | 215 |
| Net loans and leases to deposits | 92.4673% | 443 |
| Net loans and leases to core deposits | 94.5519% | 756 |
| Total domestic deposits to total assets | 87.8215% | 2,139 |
| Equity capital to assets | 8.6404% | 3,947 |
| Core capital (leverage) ratio | 8.8703% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7948% | 2,932 |
| Memoranda: |
| Average total assets | $156,298,400 | 3,432 |
| Average earning assets | $145,444,400 | 3,418 |
| Average equity | $13,611,200 | 3,780 |
| Average total loans | $126,681,000 | 2,892 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6479% | 528 |
| Cost of funding earning assets | 0.6741% | 443 |
| Net interest margin | 3.9739% | 832 |
| Noninterest income to average assets | 0.5131% | 2,565 |
| Noninterest expense to average assets | 2.8171% | 1,302 |
| Loan and lease loss provision to assets | 0.1339% | 855 |
| Net operating income to assets | 1.2581% | 1,958 |
| Return on assets (ROA) | 1.2581% | 2,021 |
| Pretax return on assets | 1.2581% | 2,741 |
| Return on Equity (ROE) | 14.4170% | 1,276 |
| Retained earnings to average equity (ytd only) | 3.1522% | 3,850 |
| Net charge-offs to loans | -0.0032% | 3,321 |
| Credit loss provision to net charge-offs | -5,166.6667% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2774% | 2,065 |
| Assets per employee ($millions) | 4.4325% | 4,171 |
| Cash dividends to net income (ytd only)* | 78.1357% | 423 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5141% | 1,582 |
| Loan loss allowance to noncurrent loans | 1,346.8966% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 2,509 |
| Noncurrent loans to loans | 0.1124% | 3,527 |
| Net loans and leases to total assets | 81.8843% | 197 |
| Net loans and leases to deposits | 93.5703% | 429 |
| Net loans and leases to core deposits | 95.2549% | 780 |
| Total domestic deposits to total assets | 87.5110% | 2,105 |
| Equity capital to assets | 8.7594% | 4,030 |
| Core capital (leverage) ratio | 8.4005% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7781% | 3,008 |
| Memoranda: |
| Average total assets | $154,622,750 | 3,477 |
| Average earning assets | $143,803,000 | 3,472 |
| Average equity | $13,493,000 | 3,842 |
| Average total loans | $124,749,250 | 2,946 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5274% | 696 |
| Cost of funding earning assets | 0.7033% | 462 |
| Net interest margin | 3.8241% | 1,103 |
| Noninterest income to average assets | 0.5439% | 2,431 |
| Noninterest expense to average assets | 2.8138% | 1,319 |
| Loan and lease loss provision to assets | 0.1204% | 1,051 |
| Net operating income to assets | 1.1654% | 2,313 |
| Return on assets (ROA) | 1.1654% | 2,375 |
| Pretax return on assets | 1.1654% | 3,008 |
| Return on Equity (ROE) | 13.3720% | 1,600 |
| Retained earnings to average equity (ytd only) | 3.5659% | 3,663 |
| Net charge-offs to loans | -0.0049% | 3,426 |
| Credit loss provision to net charge-offs | -3,100.0000% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9722% | 1,882 |
| Assets per employee ($millions) | 4.4212% | 4,167 |
| Cash dividends to net income (ytd only)* | 73.3333% | 610 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4626% | 1,716 |
| Loan loss allowance to noncurrent loans | 1,818.2692% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 2,827 |
| Noncurrent loans to loans | 0.0804% | 3,785 |
| Net loans and leases to total assets | 80.0413% | 318 |
| Net loans and leases to deposits | 94.5804% | 436 |
| Net loans and leases to core deposits | 96.3363% | 789 |
| Total domestic deposits to total assets | 84.6278% | 3,250 |
| Equity capital to assets | 8.4919% | 4,210 |
| Core capital (leverage) ratio | 8.4991% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1671% | 2,930 |
| Memoranda: |
| Average total assets | $154,451,667 | 3,487 |
| Average earning assets | $143,614,667 | 3,481 |
| Average equity | $13,461,000 | 3,846 |
| Average total loans | $123,337,333 | 2,980 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4949% | 780 |
| Cost of funding earning assets | 0.7747% | 402 |
| Net interest margin | 3.7202% | 1,292 |
| Noninterest income to average assets | 0.4918% | 2,644 |
| Noninterest expense to average assets | 2.8850% | 1,187 |
| Loan and lease loss provision to assets | 0.0316% | 2,358 |
| Net operating income to assets | 1.0230% | 2,736 |
| Return on assets (ROA) | 1.0230% | 2,818 |
| Pretax return on assets | 1.0230% | 3,308 |
| Return on Equity (ROE) | 11.5830% | 2,167 |
| Retained earnings to average equity (ytd only) | 8.6054% | 2,061 |
| Net charge-offs to loans | -0.0066% | 3,508 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4967% | 1,448 |
| Assets per employee ($millions) | 4.3473% | 4,238 |
| Cash dividends to net income (ytd only)* | 25.7069% | 1,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4857% | 1,656 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 1,808 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 76.6458% | 575 |
| Net loans and leases to deposits | 90.7106% | 662 |
| Net loans and leases to core deposits | 93.2202% | 1,029 |
| Total domestic deposits to total assets | 84.4949% | 3,282 |
| Equity capital to assets | 8.6688% | 3,983 |
| Core capital (leverage) ratio | 8.7937% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1077% | 2,624 |
| Memoranda: |
| Average total assets | $152,095,500 | 3,510 |
| Average earning assets | $140,959,500 | 3,505 |
| Average equity | $13,433,500 | 3,853 |
| Average total loans | $120,362,000 | 3,013 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8709% | 635 |
| Cost of funding earning assets | 1.1074% | 389 |
| Net interest margin | 3.7635% | 1,604 |
| Noninterest income to average assets | 1.1381% | 830 |
| Noninterest expense to average assets | 2.9434% | 1,562 |
| Loan and lease loss provision to assets | 0.1604% | 2,370 |
| Net operating income to assets | 1.5050% | 797 |
| Return on assets (ROA) | 1.5050% | 869 |
| Pretax return on assets | 1.5050% | 1,313 |
| Return on Equity (ROE) | 17.5629% | 363 |
| Retained earnings to average equity (ytd only) | 10.0541% | 573 |
| Net charge-offs to loans | 0.2629% | 659 |
| Credit loss provision to net charge-offs | 75.3994% | 3,013 |
| Earnings coverage of net charge-offs (x) | 7.8307% | 2,661 |
| Efficiency ratio | 63.2464% | 2,937 |
| Assets per employee ($millions) | 3.9916% | 4,383 |
| Cash dividends to net income (ytd only)* | 42.7540% | 2,208 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5089% | 1,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 1,925 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.3341% | 472 |
| Net loans and leases to deposits | 94.9559% | 604 |
| Net loans and leases to core deposits | 98.6329% | 977 |
| Total domestic deposits to total assets | 83.5484% | 3,246 |
| Equity capital to assets | 9.0055% | 4,047 |
| Core capital (leverage) ratio | 8.7142% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5991% | 2,403 |
| Memoranda: |
| Average total assets | $147,174,600 | 3,433 |
| Average earning assets | $135,723,600 | 3,434 |
| Average equity | $12,611,800 | 3,904 |
| Average total loans | $119,041,600 | 2,992 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5789% | 1,371 |
| Cost of funding earning assets | 1.1632% | 417 |
| Net interest margin | 3.4157% | 2,865 |
| Noninterest income to average assets | 1.6366% | 442 |
| Noninterest expense to average assets | 2.9051% | 1,690 |
| Loan and lease loss provision to assets | 0.1680% | 2,321 |
| Net operating income to assets | 1.7137% | 559 |
| Return on assets (ROA) | 1.7137% | 623 |
| Pretax return on assets | 1.7137% | 944 |
| Return on Equity (ROE) | 20.2571% | 230 |
| Retained earnings to average equity (ytd only) | 10.1071% | 738 |
| Net charge-offs to loans | 0.3001% | 523 |
| Credit loss provision to net charge-offs | 69.0299% | 2,818 |
| Earnings coverage of net charge-offs (x) | 7.7425% | 2,551 |
| Efficiency ratio | 60.0871% | 3,381 |
| Assets per employee ($millions) | 4.0070% | 4,306 |
| Cash dividends to net income (ytd only)* | 50.1058% | 1,491 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4482% | 1,540 |
| Loan loss allowance to noncurrent loans | 525.8824% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 1,485 |
| Noncurrent loans to loans | 0.2754% | 3,308 |
| Net loans and leases to total assets | 82.0684% | 428 |
| Net loans and leases to deposits | 98.0301% | 622 |
| Net loans and leases to core deposits | 101.3739% | 1,069 |
| Total domestic deposits to total assets | 83.7176% | 2,916 |
| Equity capital to assets | 8.7604% | 4,284 |
| Core capital (leverage) ratio | 8.3055% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5402% | 2,397 |
| Memoranda: |
| Average total assets | $147,046,250 | 3,427 |
| Average earning assets | $135,603,750 | 3,421 |
| Average equity | $12,439,750 | 3,928 |
| Average total loans | $119,061,500 | 3,001 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6490% | 1,539 |
| Cost of funding earning assets | 1.1997% | 506 |
| Net interest margin | 3.4493% | 2,946 |
| Noninterest income to average assets | 1.6080% | 405 |
| Noninterest expense to average assets | 2.9991% | 1,572 |
| Loan and lease loss provision to assets | 0.1132% | 2,884 |
| Net operating income to assets | 1.6639% | 663 |
| Return on assets (ROA) | 1.6639% | 721 |
| Pretax return on assets | 1.6639% | 1,067 |
| Return on Equity (ROE) | 19.9070% | 250 |
| Retained earnings to average equity (ytd only) | 11.2262% | 576 |
| Net charge-offs to loans | 0.4575% | 347 |
| Credit loss provision to net charge-offs | 30.8550% | 2,697 |
| Earnings coverage of net charge-offs (x) | 4.8439% | 2,566 |
| Efficiency ratio | 62.1930% | 3,098 |
| Assets per employee ($millions) | 3.6857% | 4,559 |
| Cash dividends to net income (ytd only)* | 43.6066% | 1,802 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3917% | 1,617 |
| Loan loss allowance to noncurrent loans | 375.5011% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 738 |
| Noncurrent loans to loans | 0.3706% | 3,082 |
| Net loans and leases to total assets | 77.1720% | 971 |
| Net loans and leases to deposits | 94.7901% | 891 |
| Net loans and leases to core deposits | 97.7898% | 1,428 |
| Total domestic deposits to total assets | 81.4136% | 3,521 |
| Equity capital to assets | 8.2312% | 4,621 |
| Core capital (leverage) ratio | 8.3432% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4253% | 2,849 |
| Memoranda: |
| Average total assets | $146,642,333 | 3,409 |
| Average earning assets | $134,695,333 | 3,408 |
| Average equity | $12,257,000 | 3,954 |
| Average total loans | $117,595,000 | 3,007 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9400% | 1,088 |
| Cost of funding earning assets | 1.2794% | 597 |
| Net interest margin | 3.6606% | 2,470 |
| Noninterest income to average assets | 1.0241% | 812 |
| Noninterest expense to average assets | 3.1088% | 1,615 |
| Loan and lease loss provision to assets | 0.1599% | 1,810 |
| Net operating income to assets | 1.1111% | 1,807 |
| Return on assets (ROA) | 1.1111% | 1,901 |
| Pretax return on assets | 1.1111% | 2,477 |
| Return on Equity (ROE) | 13.1841% | 850 |
| Retained earnings to average equity (ytd only) | 3.1296% | 3,024 |
| Net charge-offs to loans | 0.9325% | 161 |
| Credit loss provision to net charge-offs | 21.1111% | 2,195 |
| Earnings coverage of net charge-offs (x) | 1.6778% | 2,357 |
| Efficiency ratio | 70.2755% | 2,307 |
| Assets per employee ($millions) | 3.4920% | 4,489 |
| Cash dividends to net income (ytd only)* | 76.2626% | 1,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4556% | 1,513 |
| Loan loss allowance to noncurrent loans | 1,144.1379% | 507 |
| Noncurrent assets plus other real estate owned to assets | 1.9920% | 421 |
| Noncurrent loans to loans | 0.1272% | 4,011 |
| Net loans and leases to total assets | 78.4487% | 912 |
| Net loans and leases to deposits | 97.2542% | 792 |
| Net loans and leases to core deposits | 100.6163% | 1,425 |
| Total domestic deposits to total assets | 80.6635% | 3,730 |
| Equity capital to assets | 8.3879% | 4,871 |
| Core capital (leverage) ratio | 8.3590% | 4,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6398% | 2,870 |
| Memoranda: |
| Average total assets | $142,563,000 | 3,432 |
| Average earning assets | $130,689,500 | 3,437 |
| Average equity | $12,014,500 | 3,998 |
| Average total loans | $115,818,000 | 3,003 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9289% | 1,669 |
| Cost of funding earning assets | 1.4277% | 510 |
| Net interest margin | 3.5012% | 3,447 |
| Noninterest income to average assets | 0.6690% | 1,926 |
| Noninterest expense to average assets | 2.8215% | 2,533 |
| Loan and lease loss provision to assets | 0.0794% | 2,407 |
| Net operating income to assets | 1.0299% | 2,730 |
| Return on assets (ROA) | 1.0299% | 2,825 |
| Pretax return on assets | 1.0299% | 3,389 |
| Return on Equity (ROE) | 13.1163% | 1,134 |
| Retained earnings to average equity (ytd only) | 2.2087% | 3,898 |
| Net charge-offs to loans | 0.0367% | 2,648 |
| Credit loss provision to net charge-offs | 270.4545% | 1,034 |
| Earnings coverage of net charge-offs (x) | 37.7955% | 1,365 |
| Efficiency ratio | 71.0674% | 2,014 |
| Assets per employee ($millions) | 3.4623% | 4,514 |
| Cash dividends to net income (ytd only)* | 83.1606% | 708 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5910% | 995 |
| Loan loss allowance to noncurrent loans | 61.9457% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.1718% | 346 |
| Noncurrent loans to loans | 2.5684% | 412 |
| Net loans and leases to total assets | 81.5675% | 605 |
| Net loans and leases to deposits | 101.4758% | 505 |
| Net loans and leases to core deposits | 104.5310% | 1,197 |
| Total domestic deposits to total assets | 80.3812% | 3,900 |
| Equity capital to assets | 8.4674% | 4,922 |
| Core capital (leverage) ratio | 8.0928% | 5,008 |
| Tier 1 risk-based capital ratio | 11.3945% | 4,687 |
| Total risk-based capital ratio | 12.6505% | 4,560 |
| Memoranda: |
| Average total assets | $149,921,200 | 3,299 |
| Average earning assets | $139,665,000 | 3,281 |
| Average equity | $11,771,600 | 4,024 |
| Average total loans | $119,782,000 | 2,947 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9314% | 1,725 |
| Cost of funding earning assets | 1.4460% | 487 |
| Net interest margin | 3.4854% | 3,606 |
| Noninterest income to average assets | 0.6354% | 2,047 |
| Noninterest expense to average assets | 2.7928% | 2,578 |
| Loan and lease loss provision to assets | 0.0597% | 2,700 |
| Net operating income to assets | 1.0409% | 2,813 |
| Return on assets (ROA) | 1.0409% | 2,903 |
| Pretax return on assets | 1.0409% | 3,475 |
| Return on Equity (ROE) | 13.5043% | 1,112 |
| Retained earnings to average equity (ytd only) | -1.1158% | 4,868 |
| Net charge-offs to loans | 0.0499% | 2,120 |
| Credit loss provision to net charge-offs | 151.1111% | 1,623 |
| Earnings coverage of net charge-offs (x) | 27.8660% | 1,699 |
| Efficiency ratio | 71.0325% | 1,967 |
| Assets per employee ($millions) | 3.6947% | 4,282 |
| Cash dividends to net income (ytd only)* | 108.2635% | 245 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6048% | 987 |
| Loan loss allowance to noncurrent loans | 136.7393% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 1,456 |
| Noncurrent loans to loans | 1.1736% | 1,347 |
| Net loans and leases to total assets | 75.5083% | 1,563 |
| Net loans and leases to deposits | 92.9856% | 1,326 |
| Net loans and leases to core deposits | 95.7494% | 2,023 |
| Total domestic deposits to total assets | 81.2043% | 3,693 |
| Equity capital to assets | 7.8849% | 5,154 |
| Core capital (leverage) ratio | 7.6975% | 5,162 |
| Tier 1 risk-based capital ratio | 11.1277% | 4,850 |
| Total risk-based capital ratio | 12.3839% | 4,735 |
| Memoranda: |
| Average total assets | $151,912,500 | 3,304 |
| Average earning assets | $141,996,750 | 3,286 |
| Average equity | $11,709,500 | 4,073 |
| Average total loans | $120,312,000 | 2,971 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9123% | 1,715 |
| Cost of funding earning assets | 1.4400% | 464 |
| Net interest margin | 3.4723% | 3,680 |
| Noninterest income to average assets | 0.6458% | 1,941 |
| Noninterest expense to average assets | 2.8000% | 2,587 |
| Loan and lease loss provision to assets | 0.0731% | 2,356 |
| Net operating income to assets | 1.0164% | 2,856 |
| Return on assets (ROA) | 1.0164% | 2,937 |
| Pretax return on assets | 1.0164% | 3,485 |
| Return on Equity (ROE) | 13.2841% | 1,164 |
| Retained earnings to average equity (ytd only) | 0.2558% | 4,621 |
| Net charge-offs to loans | -0.0571% | 4,859 |
| Credit loss provision to net charge-offs | -160.0000% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2848% | 2,017 |
| Assets per employee ($millions) | 3.6001% | 4,378 |
| Cash dividends to net income (ytd only)* | 98.0745% | 456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5969% | 1,034 |
| Loan loss allowance to noncurrent loans | 130.9293% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 1,464 |
| Noncurrent loans to loans | 1.2197% | 1,310 |
| Net loans and leases to total assets | 76.9423% | 1,397 |
| Net loans and leases to deposits | 95.6995% | 1,068 |
| Net loans and leases to core deposits | 98.5398% | 1,840 |
| Total domestic deposits to total assets | 80.3999% | 3,959 |
| Equity capital to assets | 7.7789% | 5,210 |
| Core capital (leverage) ratio | 7.4825% | 5,233 |
| Tier 1 risk-based capital ratio | 10.9709% | 4,921 |
| Total risk-based capital ratio | 12.2269% | 4,837 |
| Memoranda: |
| Average total assets | $153,287,000 | 3,313 |
| Average earning assets | $143,192,000 | 3,292 |
| Average equity | $11,728,330 | 4,083 |
| Average total loans | $122,611,670 | 2,951 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8982% | 1,598 |
| Cost of funding earning assets | 1.4055% | 450 |
| Net interest margin | 3.4928% | 3,609 |
| Noninterest income to average assets | 0.5521% | 2,279 |
| Noninterest expense to average assets | 2.7888% | 2,609 |
| Loan and lease loss provision to assets | 0.0441% | 2,757 |
| Net operating income to assets | 0.9719% | 2,966 |
| Return on assets (ROA) | 0.9719% | 3,006 |
| Pretax return on assets | 0.9719% | 3,533 |
| Return on Equity (ROE) | 12.8079% | 1,278 |
| Retained earnings to average equity (ytd only) | 2.0493% | 4,049 |
| Net charge-offs to loans | -0.0096% | 4,213 |
| Credit loss provision to net charge-offs | -566.6667% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5477% | 1,950 |
| Assets per employee ($millions) | 3.7177% | 4,324 |
| Cash dividends to net income (ytd only)* | 84.0000% | 856 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4759% | 1,405 |
| Loan loss allowance to noncurrent loans | 1,682.4074% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,476 |
| Noncurrent loans to loans | 0.0877% | 4,357 |
| Net loans and leases to total assets | 77.6789% | 1,209 |
| Net loans and leases to deposits | 97.2701% | 866 |
| Net loans and leases to core deposits | 100.0743% | 1,616 |
| Total domestic deposits to total assets | 79.8590% | 4,196 |
| Equity capital to assets | 7.5373% | 5,260 |
| Core capital (leverage) ratio | 7.5634% | 5,279 |
| Tier 1 risk-based capital ratio | 10.8886% | 5,024 |
| Total risk-based capital ratio | 12.1435% | 4,927 |
| Memoranda: |
| Average total assets | $154,329,000 | 3,345 |
| Average earning assets | $143,726,000 | 3,322 |
| Average equity | $11,711,500 | 4,102 |
| Average total loans | $124,804,000 | 2,966 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7534% | 1,670 |
| Cost of funding earning assets | 0.8474% | 1,320 |
| Net interest margin | 3.9060% | 2,308 |
| Noninterest income to average assets | 0.8752% | 1,248 |
| Noninterest expense to average assets | 2.9294% | 2,246 |
| Loan and lease loss provision to assets | 0.2450% | 704 |
| Net operating income to assets | 1.3396% | 1,656 |
| Return on assets (ROA) | 1.3396% | 1,643 |
| Pretax return on assets | 1.3396% | 2,365 |
| Return on Equity (ROE) | 16.0550% | 624 |
| Retained earnings to average equity (ytd only) | 3.9654% | 3,391 |
| Net charge-offs to loans | -0.0094% | 4,474 |
| Credit loss provision to net charge-offs | -3,036.3636% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2126% | 3,158 |
| Assets per employee ($millions) | 3.6313% | 4,410 |
| Cash dividends to net income (ytd only)* | 75.3012% | 856 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4206% | 1,556 |
| Loan loss allowance to noncurrent loans | 1,711.4286% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,485 |
| Noncurrent loans to loans | 0.0830% | 4,380 |
| Net loans and leases to total assets | 81.7650% | 683 |
| Net loans and leases to deposits | 102.8699% | 541 |
| Net loans and leases to core deposits | 105.6357% | 1,295 |
| Total domestic deposits to total assets | 79.4839% | 4,216 |
| Equity capital to assets | 7.6413% | 5,257 |
| Core capital (leverage) ratio | 7.6373% | 5,304 |
| Tier 1 risk-based capital ratio | 10.4944% | 5,180 |
| Total risk-based capital ratio | 11.7487% | 5,075 |
| Memoranda: |
| Average total assets | $136,310,000 | 3,562 |
| Average earning assets | $126,983,400 | 3,545 |
| Average equity | $11,373,400 | 4,103 |
| Average total loans | $116,497,200 | 3,036 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6718% | 1,763 |
| Cost of funding earning assets | 0.6892% | 1,911 |
| Net interest margin | 3.9826% | 2,003 |
| Noninterest income to average assets | 0.8770% | 1,258 |
| Noninterest expense to average assets | 2.9023% | 2,298 |
| Loan and lease loss provision to assets | 0.2954% | 500 |
| Net operating income to assets | 1.3962% | 1,507 |
| Return on assets (ROA) | 1.3962% | 1,504 |
| Pretax return on assets | 1.3962% | 2,242 |
| Return on Equity (ROE) | 16.3371% | 638 |
| Retained earnings to average equity (ytd only) | 0.1179% | 5,019 |
| Net charge-offs to loans | -0.0105% | 4,420 |
| Credit loss provision to net charge-offs | -3,255.5556% | 4,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4753% | 3,434 |
| Assets per employee ($millions) | 3.6115% | 4,426 |
| Cash dividends to net income (ytd only)* | 99.2781% | 269 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4137% | 1,647 |
| Loan loss allowance to noncurrent loans | 1,025.7310% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 4,397 |
| Noncurrent loans to loans | 0.1378% | 4,263 |
| Net loans and leases to total assets | 82.6059% | 618 |
| Net loans and leases to deposits | 113.4761% | 196 |
| Net loans and leases to core deposits | 115.9161% | 719 |
| Total domestic deposits to total assets | 72.7959% | 5,073 |
| Equity capital to assets | 7.5497% | 5,299 |
| Core capital (leverage) ratio | 8.3286% | 5,189 |
| Tier 1 risk-based capital ratio | 9.9316% | 5,393 |
| Total risk-based capital ratio | 11.1848% | 5,348 |
| Memoranda: |
| Average total assets | $132,259,000 | 3,656 |
| Average earning assets | $123,433,000 | 3,631 |
| Average equity | $11,303,250 | 4,156 |
| Average total loans | $113,996,500 | 3,099 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6944% | 1,521 |
| Cost of funding earning assets | 0.6198% | 2,106 |
| Net interest margin | 4.0746% | 1,630 |
| Noninterest income to average assets | 0.8725% | 1,263 |
| Noninterest expense to average assets | 2.9861% | 2,074 |
| Loan and lease loss provision to assets | 0.2693% | 560 |
| Net operating income to assets | 1.4064% | 1,417 |
| Return on assets (ROA) | 1.4064% | 1,418 |
| Pretax return on assets | 1.4064% | 2,121 |
| Return on Equity (ROE) | 15.7431% | 721 |
| Retained earnings to average equity (ytd only) | 0.6699% | 4,831 |
| Net charge-offs to loans | -0.0090% | 4,287 |
| Credit loss provision to net charge-offs | -3,420.0000% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3446% | 3,410 |
| Assets per employee ($millions) | 3.1828% | 4,948 |
| Cash dividends to net income (ytd only)* | 95.7447% | 437 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4184% | 1,687 |
| Loan loss allowance to noncurrent loans | 809.9502% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 4,198 |
| Noncurrent loans to loans | 0.1751% | 4,118 |
| Net loans and leases to total assets | 88.8783% | 109 |
| Net loans and leases to deposits | 102.4918% | 625 |
| Net loans and leases to core deposits | 107.8625% | 1,126 |
| Total domestic deposits to total assets | 86.7175% | 1,964 |
| Equity capital to assets | 8.8210% | 4,702 |
| Core capital (leverage) ratio | 8.7988% | 4,884 |
| Tier 1 risk-based capital ratio | 11.2620% | 4,916 |
| Total risk-based capital ratio | 12.5166% | 4,810 |
| Memoranda: |
| Average total assets | $126,987,670 | 3,747 |
| Average earning assets | $118,098,330 | 3,743 |
| Average equity | $11,344,670 | 4,175 |
| Average total loans | $110,638,330 | 3,165 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6186% | 1,514 |
| Cost of funding earning assets | 0.5760% | 2,199 |
| Net interest margin | 4.0426% | 1,588 |
| Noninterest income to average assets | 0.8011% | 1,453 |
| Noninterest expense to average assets | 2.9584% | 2,180 |
| Loan and lease loss provision to assets | 0.2523% | 585 |
| Net operating income to assets | 1.3310% | 1,537 |
| Return on assets (ROA) | 1.3310% | 1,550 |
| Pretax return on assets | 1.3310% | 2,246 |
| Return on Equity (ROE) | 14.8044% | 835 |
| Retained earnings to average equity (ytd only) | 12.6995% | 568 |
| Net charge-offs to loans | -0.0111% | 4,287 |
| Credit loss provision to net charge-offs | -2,666.6667% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3750% | 3,420 |
| Assets per employee ($millions) | 3.2798% | 4,920 |
| Cash dividends to net income (ytd only)* | 14.2180% | 2,517 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3843% | 1,897 |
| Loan loss allowance to noncurrent loans | 1,598.9583% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 4,718 |
| Noncurrent loans to loans | 0.0866% | 4,599 |
| Net loans and leases to total assets | 85.4877% | 298 |
| Net loans and leases to deposits | 95.5080% | 1,081 |
| Net loans and leases to core deposits | 100.0723% | 1,683 |
| Total domestic deposits to total assets | 89.5084% | 884 |
| Equity capital to assets | 9.0375% | 4,519 |
| Core capital (leverage) ratio | 9.2066% | 4,427 |
| Tier 1 risk-based capital ratio | 11.9599% | 4,571 |
| Total risk-based capital ratio | 13.2136% | 4,465 |
| Memoranda: |
| Average total assets | $126,826,500 | 3,781 |
| Average earning assets | $117,351,500 | 3,794 |
| Average equity | $11,402,000 | 4,208 |
| Average total loans | $108,568,000 | 3,218 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6008% | 1,428 |
| Cost of funding earning assets | 0.5967% | 1,617 |
| Net interest margin | 4.0042% | 1,741 |
| Noninterest income to average assets | 0.9688% | 1,095 |
| Noninterest expense to average assets | 3.0670% | 1,962 |
| Loan and lease loss provision to assets | 0.2713% | 662 |
| Net operating income to assets | 1.3634% | 1,089 |
| Return on assets (ROA) | 1.3898% | 1,061 |
| Pretax return on assets | 1.3898% | 2,027 |
| Return on Equity (ROE) | 16.4734% | 433 |
| Retained earnings to average equity (ytd only) | 3.8008% | 2,943 |
| Net charge-offs to loans | 0.0348% | 3,100 |
| Credit loss provision to net charge-offs | 911.4286% | 390 |
| Earnings coverage of net charge-offs (x) | 54.9143% | 1,022 |
| Efficiency ratio | 64.4718% | 3,537 |
| Assets per employee ($millions) | 3.2241% | 5,009 |
| Cash dividends to net income (ytd only)* | 76.9278% | 944 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3666% | 1,899 |
| Loan loss allowance to noncurrent loans | 1,512.5000% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 4,737 |
| Noncurrent loans to loans | 0.0904% | 4,588 |
| Net loans and leases to total assets | 83.3459% | 510 |
| Net loans and leases to deposits | 91.8702% | 1,545 |
| Net loans and leases to core deposits | 97.8324% | 1,870 |
| Total domestic deposits to total assets | 90.7214% | 331 |
| Equity capital to assets | 8.9422% | 4,778 |
| Core capital (leverage) ratio | 8.7420% | 4,910 |
| Tier 1 risk-based capital ratio | 12.1224% | 4,445 |
| Total risk-based capital ratio | 13.3764% | 4,339 |
| Memoranda: |
| Average total assets | $117,573,600 | 3,936 |
| Average earning assets | $109,610,600 | 3,924 |
| Average equity | $9,919,000 | 4,464 |
| Average total loans | $100,611,200 | 3,338 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5828% | 1,415 |
| Cost of funding earning assets | 0.5790% | 1,675 |
| Net interest margin | 4.0038% | 1,686 |
| Noninterest income to average assets | 1.0594% | 911 |
| Noninterest expense to average assets | 3.0998% | 1,805 |
| Loan and lease loss provision to assets | 0.2574% | 665 |
| Net operating income to assets | 1.4449% | 1,002 |
| Return on assets (ROA) | 1.4703% | 975 |
| Pretax return on assets | 1.4703% | 1,880 |
| Return on Equity (ROE) | 17.7166% | 357 |
| Retained earnings to average equity (ytd only) | 2.6005% | 4,335 |
| Net charge-offs to loans | 0.0484% | 2,467 |
| Credit loss provision to net charge-offs | 619.4444% | 531 |
| Earnings coverage of net charge-offs (x) | 40.9713% | 1,276 |
| Efficiency ratio | 63.7827% | 3,588 |
| Assets per employee ($millions) | 3.1567% | 5,116 |
| Cash dividends to net income (ytd only)* | 85.3222% | 525 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3049% | 2,334 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.2478% | 520 |
| Net loans and leases to deposits | 93.5511% | 1,345 |
| Net loans and leases to core deposits | 99.8889% | 1,716 |
| Total domestic deposits to total assets | 88.9865% | 899 |
| Equity capital to assets | 9.0674% | 4,854 |
| Core capital (leverage) ratio | 9.0473% | 4,691 |
| Tier 1 risk-based capital ratio | 12.0593% | 4,565 |
| Total risk-based capital ratio | 13.3117% | 4,461 |
| Memoranda: |
| Average total assets | $115,531,750 | 4,009 |
| Average earning assets | $107,995,750 | 3,997 |
| Average equity | $9,587,750 | 4,556 |
| Average total loans | $99,201,000 | 3,391 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5535% | 1,382 |
| Cost of funding earning assets | 0.5609% | 1,709 |
| Net interest margin | 3.9926% | 1,627 |
| Noninterest income to average assets | 1.2300% | 688 |
| Noninterest expense to average assets | 3.1078% | 1,823 |
| Loan and lease loss provision to assets | 0.3168% | 472 |
| Net operating income to assets | 1.5468% | 794 |
| Return on assets (ROA) | 1.5468% | 811 |
| Pretax return on assets | 1.5468% | 1,501 |
| Return on Equity (ROE) | 19.2879% | 253 |
| Retained earnings to average equity (ytd only) | 0.1545% | 5,037 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7658% | 4,035 |
| Assets per employee ($millions) | 3.0848% | 5,200 |
| Cash dividends to net income (ytd only)* | 99.1991% | 494 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3021% | 2,401 |
| Loan loss allowance to noncurrent loans | 1,749.3506% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 4,940 |
| Noncurrent loans to loans | 0.0744% | 4,832 |
| Net loans and leases to total assets | 87.0999% | 195 |
| Net loans and leases to deposits | 96.4673% | 1,033 |
| Net loans and leases to core deposits | 103.4835% | 1,394 |
| Total domestic deposits to total assets | 90.2895% | 428 |
| Equity capital to assets | 7.7416% | 5,609 |
| Core capital (leverage) ratio | 7.5728% | 5,642 |
| Tier 1 risk-based capital ratio | 9.7511% | 5,675 |
| Total risk-based capital ratio | 11.0042% | 5,650 |
| Memoranda: |
| Average total assets | $113,005,000 | 4,076 |
| Average earning assets | $105,896,330 | 4,048 |
| Average equity | $9,062,670 | 4,672 |
| Average total loans | $97,653,670 | 3,433 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4841% | 1,412 |
| Cost of funding earning assets | 0.5284% | 1,872 |
| Net interest margin | 3.9557% | 1,590 |
| Noninterest income to average assets | 0.7755% | 1,638 |
| Noninterest expense to average assets | 3.1886% | 1,648 |
| Loan and lease loss provision to assets | 0.2056% | 799 |
| Net operating income to assets | 1.1073% | 1,837 |
| Return on assets (ROA) | 1.1073% | 1,878 |
| Pretax return on assets | 1.1073% | 2,953 |
| Return on Equity (ROE) | 13.5593% | 890 |
| Retained earnings to average equity (ytd only) | 3.2242% | 3,817 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9519% | 2,901 |
| Assets per employee ($millions) | 3.0303% | 5,327 |
| Cash dividends to net income (ytd only)* | 76.2215% | 1,034 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2577% | 2,771 |
| Loan loss allowance to noncurrent loans | 4,224.1379% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 5,181 |
| Noncurrent loans to loans | 0.0298% | 5,093 |
| Net loans and leases to total assets | 83.5224% | 412 |
| Net loans and leases to deposits | 92.8680% | 1,238 |
| Net loans and leases to core deposits | 99.5209% | 1,539 |
| Total domestic deposits to total assets | 89.9366% | 690 |
| Equity capital to assets | 7.9001% | 5,565 |
| Core capital (leverage) ratio | 7.8864% | 5,600 |
| Tier 1 risk-based capital ratio | 10.0953% | 5,675 |
| Total risk-based capital ratio | 11.3462% | 5,629 |
| Memoranda: |
| Average total assets | $110,895,500 | 4,155 |
| Average earning assets | $104,458,000 | 4,117 |
| Average equity | $9,056,500 | 4,708 |
| Average total loans | $94,756,000 | 3,506 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5756% | 1,337 |
| Cost of funding earning assets | 0.4088% | 2,917 |
| Net interest margin | 4.1668% | 1,193 |
| Noninterest income to average assets | 1.0734% | 980 |
| Noninterest expense to average assets | 3.1843% | 1,832 |
| Loan and lease loss provision to assets | 0.2167% | 1,025 |
| Net operating income to assets | 1.5778% | 716 |
| Return on assets (ROA) | 1.5747% | 750 |
| Pretax return on assets | 1.5747% | 1,356 |
| Return on Equity (ROE) | 17.9989% | 329 |
| Retained earnings to average equity (ytd only) | 9.7802% | 451 |
| Net charge-offs to loans | 0.0060% | 4,048 |
| Credit loss provision to net charge-offs | 4,220.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 349.4000% | 233 |
| Efficiency ratio | 63.0906% | 4,092 |
| Assets per employee ($millions) | 2.9623% | 5,382 |
| Cash dividends to net income (ytd only)* | 45.6621% | 2,554 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2680% | 2,715 |
| Loan loss allowance to noncurrent loans | 1,204.1237% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,966 |
| Noncurrent loans to loans | 0.1053% | 4,813 |
| Net loans and leases to total assets | 85.2796% | 277 |
| Net loans and leases to deposits | 95.5956% | 1,032 |
| Net loans and leases to core deposits | 101.3948% | 1,495 |
| Total domestic deposits to total assets | 89.2087% | 1,003 |
| Equity capital to assets | 8.4545% | 5,305 |
| Core capital (leverage) ratio | 8.3975% | 5,372 |
| Tier 1 risk-based capital ratio | 10.8170% | 5,423 |
| Total risk-based capital ratio | 12.0689% | 5,322 |
| Memoranda: |
| Average total assets | $97,351,400 | 4,400 |
| Average earning assets | $91,244,800 | 4,363 |
| Average equity | $8,517,200 | 4,838 |
| Average total loans | $83,370,400 | 3,731 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5671% | 1,368 |
| Cost of funding earning assets | 0.3845% | 3,182 |
| Net interest margin | 4.1826% | 1,170 |
| Noninterest income to average assets | 0.8250% | 1,669 |
| Noninterest expense to average assets | 3.1667% | 1,861 |
| Loan and lease loss provision to assets | 0.1922% | 1,123 |
| Net operating income to assets | 1.3890% | 1,090 |
| Return on assets (ROA) | 1.3848% | 1,153 |
| Pretax return on assets | 1.3848% | 2,102 |
| Return on Equity (ROE) | 15.6803% | 585 |
| Retained earnings to average equity (ytd only) | 5.5128% | 2,473 |
| Net charge-offs to loans | 0.0082% | 3,639 |
| Credit loss provision to net charge-offs | 2,740.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 225.2819% | 344 |
| Efficiency ratio | 65.7801% | 3,626 |
| Assets per employee ($millions) | 2.9347% | 5,440 |
| Cash dividends to net income (ytd only)* | 64.8427% | 1,226 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2506% | 2,954 |
| Loan loss allowance to noncurrent loans | 904.1322% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 4,945 |
| Noncurrent loans to loans | 0.1383% | 4,788 |
| Net loans and leases to total assets | 86.5715% | 213 |
| Net loans and leases to deposits | 97.1785% | 936 |
| Net loans and leases to core deposits | 102.2890% | 1,467 |
| Total domestic deposits to total assets | 89.0850% | 861 |
| Equity capital to assets | 8.6550% | 5,431 |
| Core capital (leverage) ratio | 8.3468% | 5,473 |
| Tier 1 risk-based capital ratio | 10.8023% | 5,472 |
| Total risk-based capital ratio | 12.0537% | 5,382 |
| Memoranda: |
| Average total assets | $95,029,000 | 4,481 |
| Average earning assets | $89,128,500 | 4,446 |
| Average equity | $8,392,500 | 4,913 |
| Average total loans | $81,185,250 | 3,796 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5249% | 1,451 |
| Cost of funding earning assets | 0.3611% | 3,439 |
| Net interest margin | 4.1638% | 1,194 |
| Noninterest income to average assets | 0.8005% | 1,710 |
| Noninterest expense to average assets | 3.1933% | 1,827 |
| Loan and lease loss provision to assets | 0.1990% | 1,084 |
| Net operating income to assets | 1.3077% | 1,252 |
| Return on assets (ROA) | 1.3013% | 1,374 |
| Pretax return on assets | 1.3013% | 2,406 |
| Return on Equity (ROE) | 14.6306% | 725 |
| Retained earnings to average equity (ytd only) | 3.0801% | 3,948 |
| Net charge-offs to loans | 0.0152% | 3,228 |
| Credit loss provision to net charge-offs | 1,550.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 117.3333% | 500 |
| Efficiency ratio | 66.9854% | 3,540 |
| Assets per employee ($millions) | 2.9273% | 5,505 |
| Cash dividends to net income (ytd only)* | 78.9474% | 922 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2740% | 2,929 |
| Loan loss allowance to noncurrent loans | 1,205.7471% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 4,589 |
| Noncurrent loans to loans | 0.1057% | 5,024 |
| Net loans and leases to total assets | 84.1523% | 409 |
| Net loans and leases to deposits | 94.5014% | 1,236 |
| Net loans and leases to core deposits | 97.6539% | 1,837 |
| Total domestic deposits to total assets | 89.0488% | 896 |
| Equity capital to assets | 8.7163% | 5,472 |
| Core capital (leverage) ratio | 8.3242% | 5,516 |
| Tier 1 risk-based capital ratio | 11.2868% | 5,281 |
| Total risk-based capital ratio | 12.5396% | 5,183 |
| Memoranda: |
| Average total assets | $93,445,330 | 4,548 |
| Average earning assets | $87,516,670 | 4,514 |
| Average equity | $8,311,330 | 4,968 |
| Average total loans | $79,088,670 | 3,866 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5129% | 1,472 |
| Cost of funding earning assets | 0.3540% | 3,559 |
| Net interest margin | 4.1590% | 1,194 |
| Noninterest income to average assets | 0.7794% | 1,694 |
| Noninterest expense to average assets | 3.2569% | 1,702 |
| Loan and lease loss provision to assets | 0.1742% | 1,173 |
| Net operating income to assets | 1.2366% | 1,436 |
| Return on assets (ROA) | 1.2366% | 1,540 |
| Pretax return on assets | 1.2366% | 2,551 |
| Return on Equity (ROE) | 13.7580% | 887 |
| Retained earnings to average equity (ytd only) | -1.0173% | 5,280 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 3,337 |
| Assets per employee ($millions) | 2.9955% | 5,510 |
| Cash dividends to net income (ytd only)* | 107.3944% | 634 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2721% | 3,046 |
| Loan loss allowance to noncurrent loans | 441.4097% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,580 |
| Noncurrent loans to loans | 0.2882% | 4,401 |
| Net loans and leases to total assets | 83.7454% | 397 |
| Net loans and leases to deposits | 94.3190% | 1,111 |
| Net loans and leases to core deposits | 98.1002% | 1,628 |
| Total domestic deposits to total assets | 88.7896% | 1,212 |
| Equity capital to assets | 8.9048% | 5,263 |
| Core capital (leverage) ratio | 8.5162% | 5,378 |
| Tier 1 risk-based capital ratio | 11.4569% | 5,256 |
| Total risk-based capital ratio | 12.7084% | 5,158 |
| Memoranda: |
| Average total assets | $91,867,500 | 4,621 |
| Average earning assets | $85,886,500 | 4,579 |
| Average equity | $8,257,000 | 5,007 |
| Average total loans | $77,462,500 | 3,932 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2059% | 2,541 |
| Cost of funding earning assets | 0.3179% | 4,062 |
| Net interest margin | 3.8880% | 2,071 |
| Noninterest income to average assets | 0.8344% | 1,659 |
| Noninterest expense to average assets | 3.2511% | 1,835 |
| Loan and lease loss provision to assets | 0.0566% | 3,177 |
| Net operating income to assets | 1.1773% | 1,637 |
| Return on assets (ROA) | 1.1695% | 1,741 |
| Pretax return on assets | 1.1695% | 2,771 |
| Return on Equity (ROE) | 13.1294% | 1,028 |
| Retained earnings to average equity (ytd only) | 5.7799% | 1,911 |
| Net charge-offs to loans | 0.0071% | 4,199 |
| Credit loss provision to net charge-offs | 1,020.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 222.4000% | 311 |
| Efficiency ratio | 71.4498% | 2,996 |
| Assets per employee ($millions) | 2.6728% | 5,790 |
| Cash dividends to net income (ytd only)* | 55.9772% | 1,975 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2632% | 3,092 |
| Loan loss allowance to noncurrent loans | 343.5714% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 4,366 |
| Noncurrent loans to loans | 0.3677% | 4,129 |
| Net loans and leases to total assets | 82.7455% | 516 |
| Net loans and leases to deposits | 93.7383% | 1,223 |
| Net loans and leases to core deposits | 96.3532% | 1,809 |
| Total domestic deposits to total assets | 88.2729% | 1,494 |
| Equity capital to assets | 9.0729% | 5,047 |
| Core capital (leverage) ratio | 8.6213% | 5,308 |
| Tier 1 risk-based capital ratio | 11.5555% | 5,211 |
| Total risk-based capital ratio | 12.8061% | 5,124 |
| Memoranda: |
| Average total assets | $90,122,800 | 4,670 |
| Average earning assets | $84,619,600 | 4,618 |
| Average equity | $8,027,800 | 5,056 |
| Average total loans | $70,773,000 | 4,076 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1633% | 2,704 |
| Cost of funding earning assets | 0.3213% | 4,086 |
| Net interest margin | 3.8420% | 2,230 |
| Noninterest income to average assets | 0.8243% | 1,709 |
| Noninterest expense to average assets | 3.2630% | 1,794 |
| Loan and lease loss provision to assets | 0.0504% | 3,200 |
| Net operating income to assets | 1.1267% | 1,909 |
| Return on assets (ROA) | 1.1267% | 1,981 |
| Pretax return on assets | 1.1267% | 3,112 |
| Return on Equity (ROE) | 12.7085% | 1,193 |
| Retained earnings to average equity (ytd only) | 5.3510% | 2,682 |
| Net charge-offs to loans | 0.0134% | 3,705 |
| Credit loss provision to net charge-offs | 485.7143% | 668 |
| Earnings coverage of net charge-offs (x) | 113.4662% | 564 |
| Efficiency ratio | 72.4207% | 2,804 |
| Assets per employee ($millions) | 2.7524% | 5,798 |
| Cash dividends to net income (ytd only)* | 57.8944% | 1,520 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3569% | 2,810 |
| Loan loss allowance to noncurrent loans | 645.8904% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 5,120 |
| Noncurrent loans to loans | 0.2101% | 4,808 |
| Net loans and leases to total assets | 75.4762% | 1,464 |
| Net loans and leases to deposits | 83.2170% | 2,505 |
| Net loans and leases to core deposits | 85.6081% | 2,889 |
| Total domestic deposits to total assets | 90.6980% | 340 |
| Equity capital to assets | 8.9607% | 5,344 |
| Core capital (leverage) ratio | 8.5048% | 5,550 |
| Tier 1 risk-based capital ratio | 12.0515% | 5,047 |
| Total risk-based capital ratio | 13.3045% | 4,962 |
| Memoranda: |
| Average total assets | $89,934,750 | 4,726 |
| Average earning assets | $84,642,250 | 4,676 |
| Average equity | $7,973,500 | 5,131 |
| Average total loans | $69,427,000 | 4,146 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1420% | 2,745 |
| Cost of funding earning assets | 0.3294% | 4,059 |
| Net interest margin | 3.8126% | 2,261 |
| Noninterest income to average assets | 0.8099% | 1,734 |
| Noninterest expense to average assets | 3.2509% | 1,844 |
| Loan and lease loss provision to assets | 0.0513% | 3,093 |
| Net operating income to assets | 1.0978% | 1,964 |
| Return on assets (ROA) | 1.0978% | 2,054 |
| Pretax return on assets | 1.0978% | 3,183 |
| Return on Equity (ROE) | 12.4269% | 1,250 |
| Retained earnings to average equity (ytd only) | 3.2077% | 4,005 |
| Net charge-offs to loans | 0.0115% | 3,506 |
| Credit loss provision to net charge-offs | 575.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 128.7500% | 488 |
| Efficiency ratio | 72.8195% | 2,878 |
| Assets per employee ($millions) | 2.7096% | 5,908 |
| Cash dividends to net income (ytd only)* | 74.1870% | 1,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3336% | 3,057 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 5,619 |
| Noncurrent loans to loans | 0.0784% | 5,422 |
| Net loans and leases to total assets | 77.3636% | 1,155 |
| Net loans and leases to deposits | 85.2080% | 2,146 |
| Net loans and leases to core deposits | 87.6801% | 2,584 |
| Total domestic deposits to total assets | 90.7938% | 360 |
| Equity capital to assets | 8.8707% | 5,372 |
| Core capital (leverage) ratio | 8.2738% | 5,730 |
| Tier 1 risk-based capital ratio | 12.1685% | 5,021 |
| Total risk-based capital ratio | 13.4213% | 4,923 |
| Memoranda: |
| Average total assets | $89,636,330 | 4,776 |
| Average earning assets | $84,404,670 | 4,725 |
| Average equity | $7,918,330 | 5,187 |
| Average total loans | $69,403,330 | 4,179 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1138% | 2,778 |
| Cost of funding earning assets | 0.3369% | 4,014 |
| Net interest margin | 3.7769% | 2,315 |
| Noninterest income to average assets | 0.7265% | 2,039 |
| Noninterest expense to average assets | 3.2135% | 1,952 |
| Loan and lease loss provision to assets | 0.0535% | 2,871 |
| Net operating income to assets | 1.0073% | 2,235 |
| Return on assets (ROA) | 1.0073% | 2,373 |
| Pretax return on assets | 1.0073% | 3,466 |
| Return on Equity (ROE) | 11.4264% | 1,510 |
| Retained earnings to average equity (ytd only) | 5.6121% | 2,709 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1397% | 2,796 |
| Assets per employee ($millions) | 2.8363% | 5,844 |
| Cash dividends to net income (ytd only)* | 50.8850% | 1,702 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3293% | 3,246 |
| Loan loss allowance to noncurrent loans | 473.4694% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 5,083 |
| Noncurrent loans to loans | 0.2808% | 4,775 |
| Net loans and leases to total assets | 75.8958% | 1,220 |
| Net loans and leases to deposits | 84.4527% | 2,007 |
| Net loans and leases to core deposits | 87.7189% | 2,358 |
| Total domestic deposits to total assets | 89.8678% | 802 |
| Equity capital to assets | 8.7737% | 5,527 |
| Core capital (leverage) ratio | 8.0081% | 5,941 |
| Tier 1 risk-based capital ratio | 11.6200% | 5,485 |
| Total risk-based capital ratio | 12.8726% | 5,397 |
| Memoranda: |
| Average total assets | $89,745,500 | 4,816 |
| Average earning assets | $84,301,500 | 4,766 |
| Average equity | $7,911,500 | 5,233 |
| Average total loans | $69,049,000 | 4,202 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0807% | 3,395 |
| Cost of funding earning assets | 0.3633% | 4,104 |
| Net interest margin | 3.7174% | 2,945 |
| Noninterest income to average assets | 0.7863% | 1,926 |
| Noninterest expense to average assets | 3.1055% | 2,495 |
| Loan and lease loss provision to assets | 0.0940% | 2,582 |
| Net operating income to assets | 1.0650% | 2,110 |
| Return on assets (ROA) | 1.0446% | 2,262 |
| Pretax return on assets | 1.0446% | 3,326 |
| Return on Equity (ROE) | 11.8287% | 1,457 |
| Retained earnings to average equity (ytd only) | -9.5964% | 6,303 |
| Net charge-offs to loans | -0.0352% | 5,833 |
| Credit loss provision to net charge-offs | -377.2727% | 5,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7056% | 3,253 |
| Assets per employee ($millions) | 2.8623% | 5,871 |
| Cash dividends to net income (ytd only)* | 181.1280% | 103 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3414% | 3,225 |
| Loan loss allowance to noncurrent loans | 414.4796% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 5,031 |
| Noncurrent loans to loans | 0.3236% | 4,680 |
| Net loans and leases to total assets | 75.9272% | 1,278 |
| Net loans and leases to deposits | 84.6635% | 2,142 |
| Net loans and leases to core deposits | 88.3658% | 2,459 |
| Total domestic deposits to total assets | 89.6812% | 881 |
| Equity capital to assets | 8.8582% | 5,423 |
| Core capital (leverage) ratio | 8.0002% | 6,006 |
| Tier 1 risk-based capital ratio | 11.6231% | 5,595 |
| Total risk-based capital ratio | 12.8773% | 5,506 |
| Memoranda: |
| Average total assets | $88,262,600 | 4,886 |
| Average earning assets | $82,584,400 | 4,835 |
| Average equity | $7,794,600 | 5,247 |
| Average total loans | $62,425,400 | 4,413 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0294% | 3,642 |
| Cost of funding earning assets | 0.3665% | 4,171 |
| Net interest margin | 3.6630% | 3,176 |
| Noninterest income to average assets | 0.8032% | 1,886 |
| Noninterest expense to average assets | 3.1084% | 2,446 |
| Loan and lease loss provision to assets | 0.0832% | 2,687 |
| Net operating income to assets | 1.0437% | 2,264 |
| Return on assets (ROA) | 1.0467% | 2,308 |
| Pretax return on assets | 1.0467% | 3,398 |
| Return on Equity (ROE) | 11.8618% | 1,514 |
| Retained earnings to average equity (ytd only) | -15.1358% | 6,446 |
| Net charge-offs to loans | -0.0481% | 5,887 |
| Credit loss provision to net charge-offs | -250.0000% | 5,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2500% | 3,135 |
| Assets per employee ($millions) | 2.8723% | 5,883 |
| Cash dividends to net income (ytd only)* | 227.6023% | 73 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3198% | 3,549 |
| Loan loss allowance to noncurrent loans | 398.2063% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 5,193 |
| Noncurrent loans to loans | 0.3314% | 4,910 |
| Net loans and leases to total assets | 74.5648% | 1,432 |
| Net loans and leases to deposits | 82.9054% | 2,306 |
| Net loans and leases to core deposits | 86.9794% | 2,549 |
| Total domestic deposits to total assets | 89.9396% | 761 |
| Equity capital to assets | 8.6207% | 5,702 |
| Core capital (leverage) ratio | 8.1173% | 5,998 |
| Tier 1 risk-based capital ratio | 11.4300% | 5,821 |
| Total risk-based capital ratio | 12.6775% | 5,762 |
| Memoranda: |
| Average total assets | $88,145,500 | 4,940 |
| Average earning assets | $82,590,250 | 4,884 |
| Average equity | $7,778,250 | 5,297 |
| Average total loans | $60,960,000 | 4,501 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9810% | 3,809 |
| Cost of funding earning assets | 0.3714% | 4,193 |
| Net interest margin | 3.6096% | 3,326 |
| Noninterest income to average assets | 0.7490% | 2,054 |
| Noninterest expense to average assets | 3.1783% | 2,255 |
| Loan and lease loss provision to assets | 0.0524% | 3,254 |
| Net operating income to assets | 0.9038% | 2,782 |
| Return on assets (ROA) | 0.9084% | 2,864 |
| Pretax return on assets | 0.9084% | 3,859 |
| Return on Equity (ROE) | 10.2146% | 2,053 |
| Retained earnings to average equity (ytd only) | -23.7061% | 6,561 |
| Net charge-offs to loans | -0.0680% | 6,007 |
| Credit loss provision to net charge-offs | -115.0000% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7159% | 2,687 |
| Assets per employee ($millions) | 2.8636% | 5,942 |
| Cash dividends to net income (ytd only)* | 332.0802% | 55 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3549% | 3,563 |
| Loan loss allowance to noncurrent loans | 358.8235% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 5,196 |
| Noncurrent loans to loans | 0.3776% | 4,860 |
| Net loans and leases to total assets | 72.3731% | 1,676 |
| Net loans and leases to deposits | 80.7709% | 2,412 |
| Net loans and leases to core deposits | 83.7882% | 2,761 |
| Total domestic deposits to total assets | 89.6030% | 1,015 |
| Equity capital to assets | 8.8931% | 5,418 |
| Core capital (leverage) ratio | 8.1891% | 5,940 |
| Tier 1 risk-based capital ratio | 11.9652% | 5,562 |
| Total risk-based capital ratio | 13.2182% | 5,488 |
| Memoranda: |
| Average total assets | $87,846,670 | 4,979 |
| Average earning assets | $82,392,000 | 4,928 |
| Average equity | $7,812,330 | 5,309 |
| Average total loans | $58,852,670 | 4,587 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9102% | 4,041 |
| Cost of funding earning assets | 0.3678% | 4,344 |
| Net interest margin | 3.5424% | 3,510 |
| Noninterest income to average assets | 0.7566% | 1,927 |
| Noninterest expense to average assets | 3.2202% | 2,158 |
| Loan and lease loss provision to assets | 0.0540% | 3,033 |
| Net operating income to assets | 0.7791% | 3,256 |
| Return on assets (ROA) | 0.7791% | 3,339 |
| Pretax return on assets | 0.7791% | 4,184 |
| Return on Equity (ROE) | 8.7612% | 2,566 |
| Retained earnings to average equity (ytd only) | -50.7438% | 6,673 |
| Net charge-offs to loans | -0.0493% | 5,799 |
| Credit loss provision to net charge-offs | -171.4286% | 4,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2222% | 2,446 |
| Assets per employee ($millions) | 2.9467% | 5,916 |
| Cash dividends to net income (ytd only)* | 679.1908% | 27 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4270% | 3,476 |
| Loan loss allowance to noncurrent loans | 439.1534% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 5,486 |
| Noncurrent loans to loans | 0.3250% | 5,131 |
| Net loans and leases to total assets | 64.8537% | 2,748 |
| Net loans and leases to deposits | 71.0583% | 3,469 |
| Net loans and leases to core deposits | 72.7462% | 3,787 |
| Total domestic deposits to total assets | 91.2683% | 460 |
| Equity capital to assets | 8.4591% | 5,687 |
| Core capital (leverage) ratio | 7.9190% | 6,165 |
| Tier 1 risk-based capital ratio | 12.2932% | 5,443 |
| Total risk-based capital ratio | 13.5470% | 5,379 |
| Memoranda: |
| Average total assets | $88,815,500 | 5,000 |
| Average earning assets | $82,656,500 | 4,952 |
| Average equity | $7,898,500 | 5,329 |
| Average total loans | $56,764,500 | 4,698 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8274% | 4,705 |
| Cost of funding earning assets | 0.4191% | 4,439 |
| Net interest margin | 3.4083% | 4,244 |
| Noninterest income to average assets | 0.9205% | 1,610 |
| Noninterest expense to average assets | 3.4800% | 1,702 |
| Loan and lease loss provision to assets | 0.0154% | 4,817 |
| Net operating income to assets | 0.5720% | 4,401 |
| Return on assets (ROA) | 0.5674% | 4,530 |
| Pretax return on assets | 0.5674% | 4,978 |
| Return on Equity (ROE) | 5.9913% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.7703% | 2,752 |
| Net charge-offs to loans | -0.5705% | 6,732 |
| Credit loss provision to net charge-offs | -4.5045% | 5,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4435% | 1,471 |
| Assets per employee ($millions) | 2.9743% | 5,866 |
| Cash dividends to net income (ytd only)* | 20.3804% | 3,706 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4648% | 3,356 |
| Loan loss allowance to noncurrent loans | 779.8077% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 5,932 |
| Noncurrent loans to loans | 0.1878% | 5,634 |
| Net loans and leases to total assets | 61.1416% | 3,508 |
| Net loans and leases to deposits | 67.7933% | 4,084 |
| Net loans and leases to core deposits | 69.1852% | 4,379 |
| Total domestic deposits to total assets | 90.1882% | 979 |
| Equity capital to assets | 9.3232% | 4,664 |
| Core capital (leverage) ratio | 8.0511% | 6,097 |
| Tier 1 risk-based capital ratio | 14.1414% | 4,198 |
| Total risk-based capital ratio | 15.3950% | 4,146 |
| Memoranda: |
| Average total assets | $64,856,400 | 5,626 |
| Average earning assets | $59,884,000 | 5,595 |
| Average equity | $6,142,200 | 5,778 |
| Average total loans | $38,914,400 | 5,395 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9905% | 4,165 |
| Cost of funding earning assets | 0.4513% | 4,260 |
| Net interest margin | 3.5392% | 3,717 |
| Noninterest income to average assets | 0.9825% | 1,504 |
| Noninterest expense to average assets | 3.6144% | 1,373 |
| Loan and lease loss provision to assets | 0.0227% | 4,554 |
| Net operating income to assets | 0.6194% | 4,258 |
| Return on assets (ROA) | 0.6194% | 4,388 |
| Pretax return on assets | 0.6194% | 4,954 |
| Return on Equity (ROE) | 6.5021% | 3,926 |
| Retained earnings to average equity (ytd only) | 5.3114% | 2,871 |
| Net charge-offs to loans | -0.8045% | 6,815 |
| Credit loss provision to net charge-offs | -4.7619% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9147% | 1,487 |
| Assets per employee ($millions) | 2.2976% | 6,597 |
| Cash dividends to net income (ytd only)* | 18.3164% | 3,152 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0623% | 1,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 6,441 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 63.5190% | 3,076 |
| Net loans and leases to deposits | 70.2386% | 3,752 |
| Net loans and leases to core deposits | 72.4086% | 4,041 |
| Total domestic deposits to total assets | 90.4332% | 771 |
| Equity capital to assets | 9.3240% | 4,770 |
| Core capital (leverage) ratio | 9.2070% | 4,823 |
| Tier 1 risk-based capital ratio | 14.3819% | 4,163 |
| Total risk-based capital ratio | 15.6659% | 4,092 |
| Memoranda: |
| Average total assets | $58,763,250 | 5,850 |
| Average earning assets | $54,360,750 | 5,819 |
| Average equity | $5,598,000 | 5,975 |
| Average total loans | $34,801,250 | 5,602 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9766% | 4,201 |
| Cost of funding earning assets | 0.4587% | 4,330 |
| Net interest margin | 3.5179% | 3,705 |
| Noninterest income to average assets | 0.9788% | 1,582 |
| Noninterest expense to average assets | 3.6551% | 1,319 |
| Loan and lease loss provision to assets | 0.0171% | 4,557 |
| Net operating income to assets | 0.5613% | 4,495 |
| Return on assets (ROA) | 0.5613% | 4,665 |
| Pretax return on assets | 0.5613% | 5,159 |
| Return on Equity (ROE) | 5.8495% | 4,253 |
| Retained earnings to average equity (ytd only) | 4.0661% | 3,708 |
| Net charge-offs to loans | 0.0119% | 4,629 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 84.5000% | 537 |
| Efficiency ratio | 86.3379% | 1,383 |
| Assets per employee ($millions) | 2.3743% | 6,598 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,658 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5643% | 3,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,534 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 61.7002% | 3,352 |
| Net loans and leases to deposits | 68.2164% | 3,978 |
| Net loans and leases to core deposits | 70.3212% | 4,237 |
| Total domestic deposits to total assets | 90.4478% | 784 |
| Equity capital to assets | 9.2945% | 4,864 |
| Core capital (leverage) ratio | 9.0377% | 4,925 |
| Tier 1 risk-based capital ratio | 14.6075% | 4,027 |
| Total risk-based capital ratio | 15.8836% | 3,972 |
| Memoranda: |
| Average total assets | $58,438,330 | 5,898 |
| Average earning assets | $54,065,670 | 5,860 |
| Average equity | $5,607,330 | 6,016 |
| Average total loans | $33,487,000 | 5,685 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0618% | 3,881 |
| Cost of funding earning assets | 0.4663% | 4,414 |
| Net interest margin | 3.5954% | 3,285 |
| Noninterest income to average assets | 0.9728% | 1,547 |
| Noninterest expense to average assets | 3.8152% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4553% | 4,893 |
| Return on assets (ROA) | 0.4553% | 5,053 |
| Pretax return on assets | 0.4553% | 5,400 |
| Return on Equity (ROE) | 4.6705% | 4,754 |
| Retained earnings to average equity (ytd only) | 1.1322% | 5,397 |
| Net charge-offs to loans | 0.0885% | 2,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.4286% | 1,837 |
| Efficiency ratio | 89.3376% | 1,205 |
| Assets per employee ($millions) | 2.1768% | 6,781 |
| Cash dividends to net income (ytd only)* | 75.7576% | 960 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7422% | 2,831 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 54.8882% | 4,263 |
| Net loans and leases to deposits | 60.8944% | 4,696 |
| Net loans and leases to core deposits | 62.3225% | 4,925 |
| Total domestic deposits to total assets | 90.1368% | 969 |
| Equity capital to assets | 9.6897% | 4,577 |
| Core capital (leverage) ratio | 9.0501% | 4,806 |
| Tier 1 risk-based capital ratio | 15.5751% | 3,487 |
| Total risk-based capital ratio | 16.8577% | 3,434 |
| Memoranda: |
| Average total assets | $57,978,500 | 5,965 |
| Average earning assets | $53,179,000 | 5,934 |
| Average equity | $5,652,500 | 6,064 |
| Average total loans | $31,627,500 | 5,813 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2995% | 4,189 |
| Cost of funding earning assets | 0.6353% | 4,048 |
| Net interest margin | 3.6641% | 3,806 |
| Noninterest income to average assets | 0.9962% | 1,546 |
| Noninterest expense to average assets | 3.5918% | 1,625 |
| Loan and lease loss provision to assets | 0.0877% | 4,601 |
| Net operating income to assets | 0.6690% | 3,891 |
| Return on assets (ROA) | 0.6946% | 4,025 |
| Pretax return on assets | 0.6946% | 4,684 |
| Return on Equity (ROE) | 7.1558% | 3,552 |
| Retained earnings to average equity (ytd only) | 5.0844% | 2,654 |
| Net charge-offs to loans | -0.2096% | 6,941 |
| Credit loss provision to net charge-offs | -80.0000% | 6,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2615% | 1,831 |
| Assets per employee ($millions) | 2.2873% | 6,782 |
| Cash dividends to net income (ytd only)* | 28.9474% | 3,422 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9032% | 2,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 52.1903% | 4,903 |
| Net loans and leases to deposits | 58.0194% | 5,236 |
| Net loans and leases to core deposits | 60.0000% | 5,364 |
| Total domestic deposits to total assets | 89.9533% | 973 |
| Equity capital to assets | 9.8106% | 4,437 |
| Core capital (leverage) ratio | 9.2099% | 4,564 |
| Tier 1 risk-based capital ratio | 16.1911% | 3,050 |
| Total risk-based capital ratio | 17.4758% | 2,991 |
| Memoranda: |
| Average total assets | $54,707,200 | 6,059 |
| Average earning assets | $50,052,800 | 6,051 |
| Average equity | $5,310,400 | 6,205 |
| Average total loans | $28,628,200 | 6,012 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3456% | 4,275 |
| Cost of funding earning assets | 0.6897% | 3,857 |
| Net interest margin | 3.6559% | 3,981 |
| Noninterest income to average assets | 0.9441% | 1,689 |
| Noninterest expense to average assets | 3.6236% | 1,515 |
| Loan and lease loss provision to assets | 0.0567% | 5,026 |
| Net operating income to assets | 0.6089% | 4,352 |
| Return on assets (ROA) | 0.6434% | 4,434 |
| Pretax return on assets | 0.6434% | 5,040 |
| Return on Equity (ROE) | 6.6467% | 3,991 |
| Retained earnings to average equity (ytd only) | 3.8455% | 4,185 |
| Net charge-offs to loans | -0.2697% | 7,038 |
| Credit loss provision to net charge-offs | -40.3509% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0230% | 1,583 |
| Assets per employee ($millions) | 2.2878% | 6,867 |
| Cash dividends to net income (ytd only)* | 42.1449% | 2,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8042% | 2,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 54.6178% | 4,649 |
| Net loans and leases to deposits | 60.8827% | 5,098 |
| Net loans and leases to core deposits | 63.7332% | 5,183 |
| Total domestic deposits to total assets | 89.7099% | 999 |
| Equity capital to assets | 10.0479% | 4,428 |
| Core capital (leverage) ratio | 9.3952% | 4,436 |
| Tier 1 risk-based capital ratio | 15.6208% | 3,464 |
| Total risk-based capital ratio | 16.9045% | 3,416 |
| Memoranda: |
| Average total assets | $54,088,250 | 6,150 |
| Average earning assets | $49,489,750 | 6,135 |
| Average equity | $5,235,500 | 6,298 |
| Average total loans | $28,179,500 | 6,106 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3103% | 4,529 |
| Cost of funding earning assets | 0.7231% | 3,822 |
| Net interest margin | 3.5872% | 4,318 |
| Noninterest income to average assets | 0.9031% | 1,777 |
| Noninterest expense to average assets | 3.6458% | 1,477 |
| Loan and lease loss provision to assets | 0.0186% | 5,435 |
| Net operating income to assets | 0.5203% | 4,718 |
| Return on assets (ROA) | 0.5389% | 4,910 |
| Pretax return on assets | 0.5389% | 5,341 |
| Return on Equity (ROE) | 5.6402% | 4,506 |
| Retained earnings to average equity (ytd only) | 3.3063% | 4,404 |
| Net charge-offs to loans | -0.1387% | 6,930 |
| Credit loss provision to net charge-offs | -26.3158% | 5,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5009% | 1,381 |
| Assets per employee ($millions) | 2.3389% | 6,877 |
| Cash dividends to net income (ytd only)* | 41.3793% | 2,119 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7512% | 3,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 51.7288% | 5,132 |
| Net loans and leases to deposits | 59.0368% | 5,335 |
| Net loans and leases to core deposits | 60.9306% | 5,496 |
| Total domestic deposits to total assets | 87.6213% | 2,383 |
| Equity capital to assets | 9.8357% | 4,565 |
| Core capital (leverage) ratio | 9.3218% | 4,422 |
| Tier 1 risk-based capital ratio | 15.4233% | 3,496 |
| Total risk-based capital ratio | 16.7043% | 3,437 |
| Memoranda: |
| Average total assets | $53,815,330 | 6,194 |
| Average earning assets | $49,230,670 | 6,187 |
| Average equity | $5,141,670 | 6,353 |
| Average total loans | $27,392,670 | 6,186 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3209% | 4,650 |
| Cost of funding earning assets | 0.7472% | 3,885 |
| Net interest margin | 3.5736% | 4,377 |
| Noninterest income to average assets | 0.8769% | 1,841 |
| Noninterest expense to average assets | 3.6860% | 1,400 |
| Loan and lease loss provision to assets | 0.0372% | 4,918 |
| Net operating income to assets | 0.4236% | 5,149 |
| Return on assets (ROA) | 0.4607% | 5,190 |
| Pretax return on assets | 0.4607% | 5,556 |
| Return on Equity (ROE) | 4.8944% | 4,834 |
| Retained earnings to average equity (ytd only) | 0.1579% | 5,931 |
| Net charge-offs to loans | -0.1040% | 6,799 |
| Credit loss provision to net charge-offs | -71.4286% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1720% | 1,269 |
| Assets per employee ($millions) | 2.4023% | 6,922 |
| Cash dividends to net income (ytd only)* | 96.7742% | 580 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8413% | 2,869 |
| Loan loss allowance to noncurrent loans | 122.5316% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 5,120 |
| Noncurrent loans to loans | 1.5027% | 3,868 |
| Net loans and leases to total assets | 46.6979% | 5,708 |
| Net loans and leases to deposits | 52.9456% | 5,904 |
| Net loans and leases to core deposits | 54.5855% | 6,015 |
| Total domestic deposits to total assets | 88.1997% | 2,187 |
| Equity capital to assets | 9.4746% | 4,845 |
| Core capital (leverage) ratio | 9.1124% | 4,666 |
| Tier 1 risk-based capital ratio | 16.1243% | 3,106 |
| Total risk-based capital ratio | 17.4091% | 3,056 |
| Memoranda: |
| Average total assets | $53,826,000 | 6,236 |
| Average earning assets | $49,249,500 | 6,232 |
| Average equity | $5,067,000 | 6,408 |
| Average total loans | $26,927,500 | 6,253 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6302% | 4,547 |
| Cost of funding earning assets | 0.8736% | 4,300 |
| Net interest margin | 3.7567% | 4,043 |
| Noninterest income to average assets | 0.9669% | 1,455 |
| Noninterest expense to average assets | 3.7162% | 1,507 |
| Loan and lease loss provision to assets | 1.0001% | 946 |
| Net operating income to assets | -0.2897% | 6,337 |
| Return on assets (ROA) | -0.3653% | 6,443 |
| Pretax return on assets | -0.3653% | 6,400 |
| Return on Equity (ROE) | -3.7573% | 6,460 |
| Retained earnings to average equity (ytd only) | -4.8009% | 6,430 |
| Net charge-offs to loans | 1.7700% | 842 |
| Credit loss provision to net charge-offs | 110.3870% | 3,028 |
| Earnings coverage of net charge-offs (x) | 0.7841% | 5,206 |
| Efficiency ratio | 81.5757% | 2,085 |
| Assets per employee ($millions) | 2.2782% | 7,028 |
| Cash dividends to net income (ytd only)* | -27.7778% | 7,301 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7084% | 3,167 |
| Loan loss allowance to noncurrent loans | 109.0278% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 4,983 |
| Noncurrent loans to loans | 1.5670% | 3,808 |
| Net loans and leases to total assets | 51.7147% | 5,360 |
| Net loans and leases to deposits | 58.6816% | 5,637 |
| Net loans and leases to core deposits | 60.9451% | 5,758 |
| Total domestic deposits to total assets | 88.1276% | 2,076 |
| Equity capital to assets | 9.3494% | 5,091 |
| Core capital (leverage) ratio | 9.3713% | 4,222 |
| Tier 1 risk-based capital ratio | 15.2671% | 3,475 |
| Total risk-based capital ratio | 16.5335% | 3,422 |
| Memoranda: |
| Average total assets | $54,195,600 | 6,226 |
| Average earning assets | $49,911,200 | 6,195 |
| Average equity | $5,269,800 | 6,359 |
| Average total loans | $27,739,400 | 6,262 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6905% | 4,503 |
| Cost of funding earning assets | 0.8930% | 4,445 |
| Net interest margin | 3.7975% | 3,891 |
| Noninterest income to average assets | 0.9467% | 1,494 |
| Noninterest expense to average assets | 3.7844% | 1,330 |
| Loan and lease loss provision to assets | 0.0220% | 6,169 |
| Net operating income to assets | 0.6368% | 3,934 |
| Return on assets (ROA) | 0.5368% | 4,565 |
| Pretax return on assets | 0.5368% | 5,015 |
| Return on Equity (ROE) | 5.4700% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.1024% | 3,810 |
| Net charge-offs to loans | -0.1152% | 7,192 |
| Credit loss provision to net charge-offs | -37.5000% | 6,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6469% | 1,886 |
| Assets per employee ($millions) | 2.2897% | 7,083 |
| Cash dividends to net income (ytd only)* | 24.9991% | 2,722 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6239% | 3,557 |
| Loan loss allowance to noncurrent loans | 51.8307% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.6596% | 3,594 |
| Noncurrent loans to loans | 3.1331% | 2,221 |
| Net loans and leases to total assets | 52.1096% | 5,435 |
| Net loans and leases to deposits | 59.7054% | 5,667 |
| Net loans and leases to core deposits | 61.3169% | 5,876 |
| Total domestic deposits to total assets | 87.2778% | 2,476 |
| Equity capital to assets | 10.2233% | 4,054 |
| Core capital (leverage) ratio | 10.0904% | 3,321 |
| Tier 1 risk-based capital ratio | 16.1938% | 3,018 |
| Total risk-based capital ratio | 17.4631% | 2,972 |
| Memoranda: |
| Average total assets | $54,644,750 | 6,256 |
| Average earning assets | $50,313,000 | 6,232 |
| Average equity | $5,362,500 | 6,381 |
| Average total loans | $27,782,000 | 6,314 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6291% | 4,853 |
| Cost of funding earning assets | 0.9164% | 4,540 |
| Net interest margin | 3.7127% | 4,207 |
| Noninterest income to average assets | 0.9692% | 1,407 |
| Noninterest expense to average assets | 3.7356% | 1,470 |
| Loan and lease loss provision to assets | 0.0145% | 6,102 |
| Net operating income to assets | 0.6329% | 3,898 |
| Return on assets (ROA) | 0.4846% | 4,715 |
| Pretax return on assets | 0.4846% | 5,119 |
| Return on Equity (ROE) | 5.0044% | 4,448 |
| Retained earnings to average equity (ytd only) | 2.9503% | 4,401 |
| Net charge-offs to loans | -0.0216% | 6,839 |
| Credit loss provision to net charge-offs | -133.3333% | 6,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6733% | 1,995 |
| Assets per employee ($millions) | 2.3333% | 7,085 |
| Cash dividends to net income (ytd only)* | 41.0448% | 2,029 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5117% | 4,078 |
| Loan loss allowance to noncurrent loans | 49.2503% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 1.6155% | 3,773 |
| Noncurrent loans to loans | 3.0695% | 2,355 |
| Net loans and leases to total assets | 51.8373% | 5,591 |
| Net loans and leases to deposits | 59.5097% | 5,778 |
| Net loans and leases to core deposits | 61.0883% | 5,990 |
| Total domestic deposits to total assets | 87.1073% | 2,683 |
| Equity capital to assets | 10.4293% | 3,608 |
| Core capital (leverage) ratio | 9.5366% | 3,897 |
| Tier 1 risk-based capital ratio | 15.2714% | 3,363 |
| Total risk-based capital ratio | 16.4044% | 3,382 |
| Memoranda: |
| Average total assets | $55,305,000 | 6,284 |
| Average earning assets | $50,852,330 | 6,262 |
| Average equity | $5,355,330 | 6,425 |
| Average total loans | $27,744,000 | 6,378 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5100% | 5,301 |
| Cost of funding earning assets | 0.9438% | 4,621 |
| Net interest margin | 3.5662% | 4,742 |
| Noninterest income to average assets | 0.9835% | 1,381 |
| Noninterest expense to average assets | 3.6348% | 1,689 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6343% | 3,839 |
| Return on assets (ROA) | 0.3421% | 5,289 |
| Pretax return on assets | 0.3421% | 5,531 |
| Return on Equity (ROE) | 3.6680% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.6680% | 3,974 |
| Net charge-offs to loans | -0.0145% | 6,468 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6377% | 2,132 |
| Assets per employee ($millions) | 2.2712% | 7,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5262% | 4,077 |
| Loan loss allowance to noncurrent loans | 48.5582% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 3,957 |
| Noncurrent loans to loans | 3.1430% | 2,393 |
| Net loans and leases to total assets | 47.8399% | 6,096 |
| Net loans and leases to deposits | 54.1407% | 6,282 |
| Net loans and leases to core deposits | 55.7210% | 6,436 |
| Total domestic deposits to total assets | 88.3623% | 2,163 |
| Equity capital to assets | 9.3817% | 4,603 |
| Core capital (leverage) ratio | 9.2682% | 4,175 |
| Tier 1 risk-based capital ratio | 15.5158% | 3,158 |
| Total risk-based capital ratio | 16.7602% | 3,107 |
| Memoranda: |
| Average total assets | $56,124,500 | 6,307 |
| Average earning assets | $51,707,000 | 6,279 |
| Average equity | $5,234,500 | 6,473 |
| Average total loans | $27,493,000 | 6,435 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7719% | 5,517 |
| Cost of funding earning assets | 1.1610% | 4,786 |
| Net interest margin | 3.6108% | 4,764 |
| Noninterest income to average assets | 0.8747% | 1,951 |
| Noninterest expense to average assets | 3.7562% | 1,576 |
| Loan and lease loss provision to assets | 0.3068% | 4,350 |
| Net operating income to assets | 0.1169% | 5,544 |
| Return on assets (ROA) | 0.1936% | 5,460 |
| Pretax return on assets | 0.1936% | 5,502 |
| Return on Equity (ROE) | 2.1220% | 5,341 |
| Retained earnings to average equity (ytd only) | -3.8836% | 6,193 |
| Net charge-offs to loans | 0.1301% | 5,599 |
| Credit loss provision to net charge-offs | 494.1176% | 462 |
| Earnings coverage of net charge-offs (x) | 6.8235% | 2,263 |
| Efficiency ratio | 87.1997% | 1,552 |
| Assets per employee ($millions) | 2.3112% | 7,212 |
| Cash dividends to net income (ytd only)* | 283.0189% | 74 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5328% | 3,847 |
| Loan loss allowance to noncurrent loans | 48.4429% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5631% | 3,957 |
| Noncurrent loans to loans | 3.1641% | 2,405 |
| Net loans and leases to total assets | 48.6425% | 6,318 |
| Net loans and leases to deposits | 55.0610% | 6,514 |
| Net loans and leases to core deposits | 56.7424% | 6,649 |
| Total domestic deposits to total assets | 88.3428% | 2,045 |
| Equity capital to assets | 9.2702% | 4,721 |
| Core capital (leverage) ratio | 9.1995% | 4,166 |
| Tier 1 risk-based capital ratio | 13.7179% | 4,047 |
| Total risk-based capital ratio | 14.8345% | 4,109 |
| Memoranda: |
| Average total assets | $54,763,200 | 6,380 |
| Average earning assets | $50,127,200 | 6,361 |
| Average equity | $4,995,400 | 6,662 |
| Average total loans | $26,124,800 | 6,605 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7745% | 5,762 |
| Cost of funding earning assets | 1.1970% | 4,882 |
| Net interest margin | 3.5775% | 4,980 |
| Noninterest income to average assets | 0.8427% | 2,023 |
| Noninterest expense to average assets | 3.7248% | 1,520 |
| Loan and lease loss provision to assets | 0.0293% | 6,777 |
| Net operating income to assets | 0.3591% | 4,934 |
| Return on assets (ROA) | 0.3591% | 5,116 |
| Pretax return on assets | 0.3591% | 5,347 |
| Return on Equity (ROE) | 3.9526% | 4,808 |
| Retained earnings to average equity (ytd only) | -4.1137% | 6,469 |
| Net charge-offs to loans | 0.2945% | 4,190 |
| Credit loss provision to net charge-offs | 21.0526% | 6,236 |
| Earnings coverage of net charge-offs (x) | 2.7893% | 3,747 |
| Efficiency ratio | 87.8266% | 1,465 |
| Assets per employee ($millions) | 2.2210% | 7,368 |
| Cash dividends to net income (ytd only)* | 204.0765% | 86 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8676% | 6,844 |
| Loan loss allowance to noncurrent loans | 1,853.8462% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 7,303 |
| Noncurrent loans to loans | 0.0468% | 7,128 |
| Net loans and leases to total assets | 49.5921% | 6,364 |
| Net loans and leases to deposits | 56.6876% | 6,568 |
| Net loans and leases to core deposits | 58.6321% | 6,696 |
| Total domestic deposits to total assets | 87.4831% | 2,271 |
| Equity capital to assets | 10.1198% | 3,991 |
| Core capital (leverage) ratio | 9.3420% | 4,143 |
| Tier 1 risk-based capital ratio | 13.4673% | 4,226 |
| Total risk-based capital ratio | 14.0932% | 4,682 |
| Memoranda: |
| Average total assets | $54,587,000 | 6,460 |
| Average earning assets | $49,902,750 | 6,439 |
| Average equity | $4,958,750 | 6,764 |
| Average total loans | $25,805,750 | 6,713 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7517% | 5,969 |
| Cost of funding earning assets | 1.2324% | 4,946 |
| Net interest margin | 3.5194% | 5,168 |
| Noninterest income to average assets | 0.8549% | 1,863 |
| Noninterest expense to average assets | 3.7218% | 1,512 |
| Loan and lease loss provision to assets | 0.0184% | 6,742 |
| Net operating income to assets | 0.3243% | 5,095 |
| Return on assets (ROA) | 0.3243% | 5,257 |
| Pretax return on assets | 0.3243% | 5,438 |
| Return on Equity (ROE) | 3.7141% | 4,919 |
| Retained earnings to average equity (ytd only) | -8.9477% | 6,862 |
| Net charge-offs to loans | 0.3897% | 3,414 |
| Credit loss provision to net charge-offs | 10.2041% | 5,936 |
| Earnings coverage of net charge-offs (x) | 1.8980% | 4,100 |
| Efficiency ratio | 88.7579% | 1,440 |
| Assets per employee ($millions) | 2.2252% | 7,416 |
| Cash dividends to net income (ytd only)* | 340.9091% | 54 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9803% | 6,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 6,259 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 45.7710% | 6,790 |
| Net loans and leases to deposits | 51.7257% | 6,994 |
| Net loans and leases to core deposits | 53.0665% | 7,085 |
| Total domestic deposits to total assets | 88.4880% | 1,738 |
| Equity capital to assets | 8.9879% | 5,468 |
| Core capital (leverage) ratio | 9.5666% | 3,719 |
| Tier 1 risk-based capital ratio | 12.3519% | 4,990 |
| Total risk-based capital ratio | 12.9369% | 5,558 |
| Memoranda: |
| Average total assets | $54,274,330 | 6,511 |
| Average earning assets | $49,497,670 | 6,490 |
| Average equity | $4,738,670 | 6,866 |
| Average total loans | $25,148,670 | 6,796 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7384% | 6,119 |
| Cost of funding earning assets | 1.2609% | 5,058 |
| Net interest margin | 3.4775% | 5,260 |
| Noninterest income to average assets | 0.7750% | 2,149 |
| Noninterest expense to average assets | 3.7215% | 1,475 |
| Loan and lease loss provision to assets | 0.0366% | 6,312 |
| Net operating income to assets | 0.1828% | 5,741 |
| Return on assets (ROA) | 0.1828% | 5,869 |
| Pretax return on assets | 0.1828% | 5,933 |
| Return on Equity (ROE) | 2.1240% | 5,717 |
| Retained earnings to average equity (ytd only) | -23.3645% | 7,437 |
| Net charge-offs to loans | 0.6304% | 2,245 |
| Credit loss provision to net charge-offs | 12.5000% | 5,023 |
| Earnings coverage of net charge-offs (x) | 0.7500% | 4,358 |
| Efficiency ratio | 91.6512% | 1,301 |
| Assets per employee ($millions) | 2.3379% | 7,406 |
| Cash dividends to net income (ytd only)* | 1,200.0000% | 17 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0091% | 6,412 |
| Loan loss allowance to noncurrent loans | 1,930.7692% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 6,264 |
| Noncurrent loans to loans | 0.0523% | 7,273 |
| Net loans and leases to total assets | 45.7896% | 6,842 |
| Net loans and leases to deposits | 51.8795% | 7,053 |
| Net loans and leases to core deposits | 53.2149% | 7,147 |
| Total domestic deposits to total assets | 88.2615% | 1,918 |
| Equity capital to assets | 9.1944% | 4,994 |
| Core capital (leverage) ratio | 9.1964% | 4,230 |
| Tier 1 risk-based capital ratio | 14.3960% | 3,442 |
| Total risk-based capital ratio | 15.1140% | 3,714 |
| Memoranda: |
| Average total assets | $54,709,000 | 6,583 |
| Average earning assets | $49,805,500 | 6,555 |
| Average equity | $4,708,000 | 6,941 |
| Average total loans | $25,380,000 | 6,855 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0311% | 6,334 |
| Cost of funding earning assets | 1.5263% | 5,396 |
| Net interest margin | 3.5048% | 4,937 |
| Noninterest income to average assets | 0.9889% | 1,615 |
| Noninterest expense to average assets | 4.0070% | 1,354 |
| Loan and lease loss provision to assets | 0.7664% | 2,813 |
| Net operating income to assets | -0.6093% | 6,282 |
| Return on assets (ROA) | -2.6366% | 7,313 |
| Pretax return on assets | -2.6366% | 7,186 |
| Return on Equity (ROE) | -27.6758% | 7,356 |
| Retained earnings to average equity (ytd only) | -27.6758% | 7,332 |
| Net charge-offs to loans | 1.9196% | 1,288 |
| Credit loss provision to net charge-offs | 84.9315% | 6,164 |
| Earnings coverage of net charge-offs (x) | 0.1742% | 5,981 |
| Efficiency ratio | 93.6387% | 1,433 |
| Assets per employee ($millions) | 2.3186% | 7,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1048% | 5,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4493% | 6,331 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 46.0069% | 6,972 |
| Net loans and leases to deposits | 51.4211% | 7,179 |
| Net loans and leases to core deposits | 60.3641% | 7,252 |
| Total domestic deposits to total assets | 89.4709% | 1,221 |
| Equity capital to assets | 8.0365% | 6,541 |
| Core capital (leverage) ratio | 8.8117% | 4,749 |
| Tier 1 risk-based capital ratio | 13.5370% | 3,799 |
| Total risk-based capital ratio | 14.3284% | 4,039 |
| Memoranda: |
| Average total assets | $56,625,800 | 6,470 |
| Average earning assets | $51,300,800 | 6,483 |
| Average equity | $5,394,600 | 6,807 |
| Average total loans | $26,620,000 | 6,826 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0261% | 6,531 |
| Cost of funding earning assets | 1.5658% | 5,565 |
| Net interest margin | 3.4603% | 5,027 |
| Noninterest income to average assets | 1.0222% | 1,524 |
| Noninterest expense to average assets | 3.5636% | 2,113 |
| Loan and lease loss provision to assets | 0.9682% | 1,983 |
| Net operating income to assets | -0.3751% | 6,285 |
| Return on assets (ROA) | -3.0665% | 7,613 |
| Pretax return on assets | -3.0665% | 7,526 |
| Return on Equity (ROE) | -31.0024% | 7,629 |
| Retained earnings to average equity (ytd only) | -31.0024% | 7,613 |
| Net charge-offs to loans | 2.5419% | 721 |
| Credit loss provision to net charge-offs | 80.8219% | 5,742 |
| Earnings coverage of net charge-offs (x) | 0.4951% | 5,536 |
| Efficiency ratio | 83.1359% | 2,414 |
| Assets per employee ($millions) | 2.2263% | 7,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9679% | 6,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 6,335 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 48.7180% | 6,892 |
| Net loans and leases to deposits | 56.0112% | 7,089 |
| Net loans and leases to core deposits | 65.9315% | 7,163 |
| Total domestic deposits to total assets | 86.9792% | 2,192 |
| Equity capital to assets | 8.4015% | 6,384 |
| Core capital (leverage) ratio | 9.0404% | 4,588 |
| Tier 1 risk-based capital ratio | 13.0907% | 4,129 |
| Total risk-based capital ratio | 13.7762% | 4,474 |
| Memoranda: |
| Average total assets | $56,870,750 | 6,510 |
| Average earning assets | $51,516,250 | 6,516 |
| Average equity | $5,625,250 | 6,804 |
| Average total loans | $26,803,250 | 6,867 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9765% | 6,847 |
| Cost of funding earning assets | 1.6305% | 5,611 |
| Net interest margin | 3.3460% | 5,380 |
| Noninterest income to average assets | 1.0685% | 1,389 |
| Noninterest expense to average assets | 3.6141% | 2,035 |
| Loan and lease loss provision to assets | 0.1257% | 5,854 |
| Net operating income to assets | 0.3527% | 4,671 |
| Return on assets (ROA) | 0.3527% | 4,782 |
| Pretax return on assets | 0.3527% | 5,068 |
| Return on Equity (ROE) | 3.3997% | 4,749 |
| Retained earnings to average equity (ytd only) | 3.3997% | 3,430 |
| Net charge-offs to loans | 0.0977% | 5,192 |
| Credit loss provision to net charge-offs | 276.9231% | 1,690 |
| Earnings coverage of net charge-offs (x) | 10.5385% | 1,984 |
| Efficiency ratio | 85.6655% | 2,259 |
| Assets per employee ($millions) | 2.4055% | 7,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4574% | 3,424 |
| Loan loss allowance to noncurrent loans | 73.5238% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 2.8979% | 2,205 |
| Noncurrent loans to loans | 1.9823% | 3,551 |
| Net loans and leases to total assets | 45.2079% | 7,250 |
| Net loans and leases to deposits | 51.7334% | 7,400 |
| Net loans and leases to core deposits | 60.5419% | 7,434 |
| Total domestic deposits to total assets | 87.3863% | 2,061 |
| Equity capital to assets | 10.1904% | 3,732 |
| Core capital (leverage) ratio | 11.2958% | 2,198 |
| Tier 1 risk-based capital ratio | 16.5836% | 2,425 |
| Total risk-based capital ratio | 17.5753% | 2,459 |
| Memoranda: |
| Average total assets | $57,275,330 | 6,539 |
| Average earning assets | $51,763,000 | 6,568 |
| Average equity | $5,941,670 | 6,743 |
| Average total loans | $26,611,000 | 6,935 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1094% | 6,617 |
| Cost of funding earning assets | 1.7369% | 5,441 |
| Net interest margin | 3.3725% | 5,247 |
| Noninterest income to average assets | 1.1850% | 1,039 |
| Noninterest expense to average assets | 3.5409% | 1,999 |
| Loan and lease loss provision to assets | 0.2384% | 4,076 |
| Net operating income to assets | 0.4417% | 4,682 |
| Return on assets (ROA) | 0.4417% | 4,854 |
| Pretax return on assets | 0.4417% | 5,265 |
| Return on Equity (ROE) | 4.2204% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.2204% | 3,559 |
| Net charge-offs to loans | -0.0300% | 7,554 |
| Credit loss provision to net charge-offs | -1,700.0000% | 6,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3953% | 2,624 |
| Assets per employee ($millions) | 2.3087% | 7,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5143% | 2,895 |
| Loan loss allowance to noncurrent loans | 75.2830% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 3.3404% | 1,636 |
| Noncurrent loans to loans | 2.0115% | 3,246 |
| Net loans and leases to total assets | 44.9600% | 7,267 |
| Net loans and leases to deposits | 51.6654% | 7,423 |
| Net loans and leases to core deposits | 60.1990% | 7,446 |
| Total domestic deposits to total assets | 87.0214% | 2,203 |
| Equity capital to assets | 10.4993% | 3,464 |
| Core capital (leverage) ratio | 11.2215% | 2,320 |
| Tier 1 risk-based capital ratio | 16.3785% | 2,563 |
| Total risk-based capital ratio | 17.3991% | 2,575 |
| Memoranda: |
| Average total assets | $57,047,500 | 6,579 |
| Average earning assets | $51,356,500 | 6,604 |
| Average equity | $5,971,000 | 6,776 |
| Average total loans | $26,674,000 | 6,962 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0687% | 5,213 |
| Cost of funding earning assets | 2.4856% | 4,281 |
| Net interest margin | 3.5831% | 4,963 |
| Noninterest income to average assets | 0.9038% | 1,944 |
| Noninterest expense to average assets | 3.5999% | 2,144 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5241% | 4,634 |
| Return on assets (ROA) | 0.4949% | 4,596 |
| Pretax return on assets | 0.4949% | 4,986 |
| Return on Equity (ROE) | 5.0932% | 4,338 |
| Retained earnings to average equity (ytd only) | 0.6720% | 4,831 |
| Net charge-offs to loans | 0.3841% | 2,903 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 2.8774% | 4,641 |
| Efficiency ratio | 84.7500% | 1,985 |
| Assets per employee ($millions) | 2.3490% | 7,487 |
| Cash dividends to net income (ytd only)* | 86.8056% | 1,424 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3445% | 3,506 |
| Loan loss allowance to noncurrent loans | 9,075.0000% | 72 |
| Noncurrent assets plus other real estate owned to assets | 3.1963% | 1,431 |
| Noncurrent loans to loans | 0.0148% | 7,477 |
| Net loans and leases to total assets | 47.2462% | 7,239 |
| Net loans and leases to deposits | 54.3326% | 7,416 |
| Net loans and leases to core deposits | 63.4447% | 7,466 |
| Total domestic deposits to total assets | 86.9574% | 1,953 |
| Equity capital to assets | 10.4333% | 3,576 |
| Core capital (leverage) ratio | 10.7410% | 2,786 |
| Tier 1 risk-based capital ratio | 15.5204% | 2,840 |
| Total risk-based capital ratio | 16.4114% | 2,896 |
| Memoranda: |
| Average total assets | $58,196,600 | 6,445 |
| Average earning assets | $52,301,000 | 6,494 |
| Average equity | $5,654,600 | 6,933 |
| Average total loans | $27,593,800 | 6,871 |
