| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9847% | 2,100 |
| Cost of funding earning assets | 1.6625% | 1,537 |
| Net interest margin | 3.3222% | 2,572 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.5781% | 2,075 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.5576% | 3,546 |
| Return on assets (ROA) | 0.5475% | 3,561 |
| Pretax return on assets | 0.7192% | 3,394 |
| Return on Equity (ROE) | 7.4700% | 3,165 |
| Retained earnings to average equity (ytd only) | -1.2333% | 4,205 |
| Net charge-offs to loans | 0.0080% | 2,372 |
| Credit loss provision to net charge-offs | 1,841.6667% | 246 |
| Earnings coverage of net charge-offs (x) | 132.5833% | 773 |
| Efficiency ratio | 73.9016% | 1,470 |
| Assets per employee ($millions) | 5.9543% | 2,862 |
| Cash dividends to net income (ytd only)* | 116.5049% | 182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2904% | 1,816 |
| Loan loss allowance to noncurrent loans | 47,650.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 3,830 |
| Noncurrent loans to loans | 0.0027% | 3,779 |
| Net loans and leases to total assets | 78.9900% | 764 |
| Net loans and leases to deposits | 88.6832% | 1,375 |
| Net loans and leases to core deposits | 105.6268% | 1,130 |
| Total domestic deposits to total assets | 89.0700% | 1,046 |
| Equity capital to assets | 7.5700% | 3,673 |
| Core capital (leverage) ratio | 7.7297% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8729% | 2,616 |
| Memoranda: |
| Average total assets | $188,120,000 | 3,067 |
| Average earning assets | $174,916,600 | 3,051 |
| Average equity | $13,784,200 | 3,365 |
| Average total loans | $150,480,000 | 2,673 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8660% | 2,133 |
| Cost of funding earning assets | 1.5765% | 1,417 |
| Net interest margin | 3.2895% | 2,710 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.5113% | 2,203 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.6109% | 3,517 |
| Return on assets (ROA) | 0.5975% | 3,537 |
| Pretax return on assets | 0.7732% | 3,392 |
| Return on Equity (ROE) | 8.2200% | 3,121 |
| Retained earnings to average equity (ytd only) | -0.9997% | 4,251 |
| Net charge-offs to loans | 0.0106% | 2,008 |
| Credit loss provision to net charge-offs | 1,250.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 898 |
| Efficiency ratio | 72.4689% | 1,519 |
| Assets per employee ($millions) | 6.6569% | 2,215 |
| Cash dividends to net income (ytd only)* | 112.1606% | 156 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1786% | 2,480 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 2,601 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 79.7000% | 685 |
| Net loans and leases to deposits | 94.7204% | 842 |
| Net loans and leases to core deposits | 113.8615% | 731 |
| Total domestic deposits to total assets | 84.1400% | 2,734 |
| Equity capital to assets | 6.9671% | 3,623 |
| Core capital (leverage) ratio | 7.5541% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2968% | 2,162 |
| Memoranda: |
| Average total assets | $189,004,000 | 3,067 |
| Average earning assets | $175,829,000 | 3,052 |
| Average equity | $13,737,000 | 3,355 |
| Average total loans | $151,172,500 | 2,674 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7398% | 2,134 |
| Cost of funding earning assets | 1.4705% | 1,301 |
| Net interest margin | 3.2693% | 2,821 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.5462% | 2,083 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.5989% | 3,573 |
| Return on assets (ROA) | 0.5787% | 3,638 |
| Pretax return on assets | 0.7428% | 3,518 |
| Return on Equity (ROE) | 7.8500% | 3,275 |
| Retained earnings to average equity (ytd only) | -2.2700% | 4,303 |
| Net charge-offs to loans | 0.0067% | 1,989 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 721 |
| Efficiency ratio | 73.6181% | 1,389 |
| Assets per employee ($millions) | 6.1310% | 2,594 |
| Cash dividends to net income (ytd only)* | 128.9134% | 165 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1811% | 2,540 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 2,602 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 78.8800% | 750 |
| Net loans and leases to deposits | 91.4200% | 1,070 |
| Net loans and leases to core deposits | 110.3143% | 814 |
| Total domestic deposits to total assets | 86.2900% | 2,149 |
| Equity capital to assets | 7.1640% | 3,707 |
| Core capital (leverage) ratio | 7.5789% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4655% | 2,111 |
| Memoranda: |
| Average total assets | $187,655,667 | 3,083 |
| Average earning assets | $174,775,000 | 3,068 |
| Average equity | $13,832,667 | 3,370 |
| Average total loans | $149,664,667 | 2,675 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6028% | 2,079 |
| Cost of funding earning assets | 1.2904% | 1,253 |
| Net interest margin | 3.3123% | 2,849 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.4737% | 2,309 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.6736% | 3,518 |
| Return on assets (ROA) | 0.6329% | 3,584 |
| Pretax return on assets | 0.8024% | 3,458 |
| Return on Equity (ROE) | 8.4700% | 3,184 |
| Retained earnings to average equity (ytd only) | -1.5793% | 4,182 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.8647% | 1,658 |
| Assets per employee ($millions) | 6.0485% | 2,720 |
| Cash dividends to net income (ytd only)* | 118.6441% | 331 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1587% | 2,776 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 2,592 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 79.2500% | 613 |
| Net loans and leases to deposits | 93.4938% | 815 |
| Net loans and leases to core deposits | 109.8049% | 709 |
| Total domestic deposits to total assets | 84.7700% | 2,915 |
| Equity capital to assets | 7.4553% | 3,588 |
| Core capital (leverage) ratio | 7.7956% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3081% | 2,634 |
| Memoranda: |
| Average total assets | $186,442,500 | 3,127 |
| Average earning assets | $173,895,000 | 3,110 |
| Average equity | $13,930,500 | 3,396 |
| Average total loans | $148,637,500 | 2,714 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1183% | 1,430 |
| Cost of funding earning assets | 0.4350% | 1,824 |
| Net interest margin | 3.6833% | 1,414 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.5678% | 1,912 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8809% | 3,045 |
| Return on assets (ROA) | 0.8809% | 2,982 |
| Pretax return on assets | 1.1520% | 2,598 |
| Return on Equity (ROE) | 10.6600% | 2,588 |
| Retained earnings to average equity (ytd only) | 1.1119% | 4,172 |
| Net charge-offs to loans | 0.0036% | 2,330 |
| Credit loss provision to net charge-offs | 2,400.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 432.8000% | 369 |
| Efficiency ratio | 66.4583% | 2,153 |
| Assets per employee ($millions) | 5.9800% | 2,782 |
| Cash dividends to net income (ytd only)* | 89.5713% | 312 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1617% | 2,570 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 2,591 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.3400% | 764 |
| Net loans and leases to deposits | 88.5433% | 1,141 |
| Net loans and leases to core deposits | 108.6419% | 652 |
| Total domestic deposits to total assets | 88.4800% | 1,894 |
| Equity capital to assets | 7.4884% | 3,394 |
| Core capital (leverage) ratio | 8.1559% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6462% | 2,511 |
| Memoranda: |
| Average total assets | $177,426,200 | 3,215 |
| Average earning assets | $165,043,000 | 3,202 |
| Average equity | $14,659,800 | 3,397 |
| Average total loans | $138,850,200 | 2,740 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0246% | 1,220 |
| Cost of funding earning assets | 0.3006% | 2,160 |
| Net interest margin | 3.7240% | 1,082 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.5516% | 1,859 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9402% | 2,708 |
| Return on assets (ROA) | 0.9402% | 2,674 |
| Pretax return on assets | 1.2260% | 2,269 |
| Return on Equity (ROE) | 11.1000% | 2,336 |
| Retained earnings to average equity (ytd only) | 1.6785% | 4,089 |
| Net charge-offs to loans | 0.0039% | 2,072 |
| Credit loss provision to net charge-offs | 2,250.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 425.7500% | 363 |
| Efficiency ratio | 65.0000% | 2,405 |
| Assets per employee ($millions) | 5.7103% | 3,026 |
| Cash dividends to net income (ytd only)* | 84.8828% | 349 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1654% | 2,715 |
| Loan loss allowance to noncurrent loans | 607.9710% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 2,557 |
| Noncurrent loans to loans | 0.1917% | 2,643 |
| Net loans and leases to total assets | 77.8800% | 715 |
| Net loans and leases to deposits | 84.5706% | 1,262 |
| Net loans and leases to core deposits | 104.0324% | 651 |
| Total domestic deposits to total assets | 92.0900% | 852 |
| Equity capital to assets | 7.5915% | 3,160 |
| Core capital (leverage) ratio | 8.2394% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2831% | 2,991 |
| Memoranda: |
| Average total assets | $175,413,500 | 3,255 |
| Average earning assets | $163,226,000 | 3,243 |
| Average equity | $14,854,250 | 3,420 |
| Average total loans | $136,769,250 | 2,766 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9509% | 1,021 |
| Cost of funding earning assets | 0.2338% | 2,460 |
| Net interest margin | 3.7171% | 886 |
| Noninterest income to average assets | 0.3966% | 2,781 |
| Noninterest expense to average assets | 2.5495% | 1,780 |
| Loan and lease loss provision to assets | 0.0694% | 1,373 |
| Net operating income to assets | 0.9481% | 2,366 |
| Return on assets (ROA) | 0.9481% | 2,340 |
| Pretax return on assets | 1.2337% | 1,951 |
| Return on Equity (ROE) | 10.8025% | 2,050 |
| Retained earnings to average equity (ytd only) | 1.5809% | 3,861 |
| Net charge-offs to loans | 0.0015% | 2,070 |
| Credit loss provision to net charge-offs | 6,000.0000% | 97 |
| Earnings coverage of net charge-offs (x) | 1,127.0000% | 112 |
| Efficiency ratio | 64.8259% | 2,663 |
| Assets per employee ($millions) | 5.5282% | 3,198 |
| Cash dividends to net income (ytd only)* | 85.3659% | 525 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1915% | 2,729 |
| 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 | 77.3489% | 612 |
| Net loans and leases to deposits | 85.8407% | 985 |
| Net loans and leases to core deposits | 95.1735% | 860 |
| Total domestic deposits to total assets | 90.1075% | 1,669 |
| Equity capital to assets | 8.1452% | 3,010 |
| Core capital (leverage) ratio | 8.5120% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $172,974,333 | 3,309 |
| Average earning assets | $160,826,000 | 3,308 |
| Average equity | $15,181,667 | 3,472 |
| Average total loans | $134,364,000 | 2,803 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9489% | 851 |
| Cost of funding earning assets | 0.2317% | 2,372 |
| Net interest margin | 3.7172% | 727 |
| Noninterest income to average assets | 0.4795% | 2,238 |
| Noninterest expense to average assets | 2.5378% | 1,789 |
| Loan and lease loss provision to assets | 0.0702% | 1,171 |
| Net operating income to assets | 0.9964% | 1,891 |
| Return on assets (ROA) | 0.9964% | 1,887 |
| Pretax return on assets | 1.3239% | 1,442 |
| Return on Equity (ROE) | 10.9455% | 1,637 |
| Retained earnings to average equity (ytd only) | 1.9527% | 3,558 |
| Net charge-offs to loans | 0.0030% | 1,677 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 596.0000% | 167 |
| Efficiency ratio | 63.1767% | 3,118 |
| Assets per employee ($millions) | 5.3383% | 3,459 |
| Cash dividends to net income (ytd only)* | 82.1596% | 676 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2195% | 2,761 |
| Loan loss allowance to noncurrent loans | 675.4167% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,809 |
| Noncurrent loans to loans | 0.1806% | 2,914 |
| Net loans and leases to total assets | 76.8637% | 451 |
| Net loans and leases to deposits | 84.7095% | 834 |
| Net loans and leases to core deposits | 91.1966% | 864 |
| Total domestic deposits to total assets | 90.7380% | 1,165 |
| Equity capital to assets | 8.8803% | 2,812 |
| Core capital (leverage) ratio | 8.4821% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $171,011,000 | 3,335 |
| Average earning assets | $158,827,500 | 3,340 |
| Average equity | $15,568,000 | 3,508 |
| Average total loans | $132,305,500 | 2,823 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0792% | 240 |
| Cost of funding earning assets | 0.4797% | 1,011 |
| Net interest margin | 4.5995% | 228 |
| Noninterest income to average assets | 0.3836% | 3,146 |
| Noninterest expense to average assets | 2.7522% | 1,477 |
| Loan and lease loss provision to assets | 0.2889% | 289 |
| Net operating income to assets | 1.2154% | 1,875 |
| Return on assets (ROA) | 1.2154% | 1,923 |
| Pretax return on assets | 1.5936% | 1,445 |
| Return on Equity (ROE) | 12.6512% | 1,587 |
| Retained earnings to average equity (ytd only) | 4.1752% | 3,154 |
| Net charge-offs to loans | 0.1211% | 747 |
| Credit loss provision to net charge-offs | 299.3750% | 1,067 |
| Earnings coverage of net charge-offs (x) | 19.5063% | 1,873 |
| Efficiency ratio | 58.2119% | 3,412 |
| Assets per employee ($millions) | 5.3498% | 3,416 |
| Cash dividends to net income (ytd only)* | 66.9975% | 827 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2089% | 2,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 75.9917% | 524 |
| Net loans and leases to deposits | 90.0572% | 566 |
| Net loans and leases to core deposits | 94.6386% | 753 |
| Total domestic deposits to total assets | 84.3816% | 3,452 |
| Equity capital to assets | 9.3262% | 3,290 |
| Core capital (leverage) ratio | 8.5997% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $165,792,000 | 3,337 |
| Average earning assets | $153,233,400 | 3,345 |
| Average equity | $15,927,400 | 3,546 |
| Average total loans | $132,072,400 | 2,829 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4483% | 153 |
| Cost of funding earning assets | 0.3855% | 1,817 |
| Net interest margin | 5.0627% | 147 |
| Noninterest income to average assets | 0.3819% | 3,197 |
| Noninterest expense to average assets | 2.8565% | 1,209 |
| Loan and lease loss provision to assets | 0.2578% | 347 |
| Net operating income to assets | 1.4481% | 1,401 |
| Return on assets (ROA) | 1.4481% | 1,463 |
| Pretax return on assets | 1.9419% | 881 |
| Return on Equity (ROE) | 14.9599% | 1,147 |
| Retained earnings to average equity (ytd only) | 6.5837% | 2,584 |
| Net charge-offs to loans | 0.1554% | 537 |
| Credit loss provision to net charge-offs | 206.4935% | 1,188 |
| Earnings coverage of net charge-offs (x) | 17.6169% | 1,808 |
| Efficiency ratio | 55.4041% | 3,608 |
| Assets per employee ($millions) | 5.1154% | 3,583 |
| Cash dividends to net income (ytd only)* | 55.9910% | 963 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1249% | 3,317 |
| Loan loss allowance to noncurrent loans | 243.7086% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 1,967 |
| Noncurrent loans to loans | 0.4616% | 2,178 |
| Net loans and leases to total assets | 79.0417% | 347 |
| Net loans and leases to deposits | 92.5719% | 465 |
| Net loans and leases to core deposits | 97.8462% | 665 |
| Total domestic deposits to total assets | 85.3841% | 2,990 |
| Equity capital to assets | 9.9412% | 2,958 |
| Core capital (leverage) ratio | 8.6333% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $164,441,250 | 3,386 |
| Average earning assets | $151,824,750 | 3,395 |
| Average equity | $15,917,750 | 3,589 |
| Average total loans | $132,169,000 | 2,864 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2288% | 75 |
| Cost of funding earning assets | 0.4104% | 1,797 |
| Net interest margin | 5.8184% | 70 |
| Noninterest income to average assets | 0.3449% | 3,382 |
| Noninterest expense to average assets | 3.0870% | 859 |
| Loan and lease loss provision to assets | 0.3825% | 181 |
| Net operating income to assets | 1.6637% | 933 |
| Return on assets (ROA) | 1.6637% | 985 |
| Pretax return on assets | 2.2296% | 548 |
| Return on Equity (ROE) | 17.3425% | 736 |
| Retained earnings to average equity (ytd only) | 9.1143% | 1,677 |
| Net charge-offs to loans | 0.2277% | 383 |
| Credit loss provision to net charge-offs | 208.6093% | 1,034 |
| Earnings coverage of net charge-offs (x) | 14.2450% | 1,671 |
| Efficiency ratio | 53.2069% | 3,903 |
| Assets per employee ($millions) | 5.1789% | 3,481 |
| Cash dividends to net income (ytd only)* | 47.4453% | 1,320 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0558% | 3,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 80.8238% | 269 |
| Net loans and leases to deposits | 94.1409% | 456 |
| Net loans and leases to core deposits | 102.9208% | 567 |
| Total domestic deposits to total assets | 85.8541% | 2,789 |
| Equity capital to assets | 9.4696% | 3,365 |
| Core capital (leverage) ratio | 8.4359% | 4,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $164,691,000 | 3,388 |
| Average earning assets | $151,553,667 | 3,397 |
| Average equity | $15,799,333 | 3,602 |
| Average total loans | $132,606,333 | 2,865 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6350% | 59 |
| Cost of funding earning assets | 0.4478% | 1,739 |
| Net interest margin | 6.1872% | 57 |
| Noninterest income to average assets | 0.3466% | 3,361 |
| Noninterest expense to average assets | 3.6439% | 394 |
| Loan and lease loss provision to assets | 0.7129% | 74 |
| Net operating income to assets | 1.2402% | 2,010 |
| Return on assets (ROA) | 1.2402% | 2,093 |
| Pretax return on assets | 1.6338% | 1,639 |
| Return on Equity (ROE) | 12.8404% | 1,718 |
| Retained earnings to average equity (ytd only) | 5.1515% | 3,179 |
| Net charge-offs to loans | 0.0186% | 1,368 |
| Credit loss provision to net charge-offs | 4,800.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 471 |
| Efficiency ratio | 59.9174% | 3,041 |
| Assets per employee ($millions) | 5.5090% | 3,108 |
| Cash dividends to net income (ytd only)* | 59.8802% | 892 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1968% | 2,952 |
| Loan loss allowance to noncurrent loans | 415.1282% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 3,007 |
| Noncurrent loans to loans | 0.2883% | 3,070 |
| Net loans and leases to total assets | 78.2627% | 451 |
| Net loans and leases to deposits | 90.9504% | 648 |
| Net loans and leases to core deposits | 99.9066% | 718 |
| Total domestic deposits to total assets | 86.0499% | 2,719 |
| Equity capital to assets | 9.1621% | 3,532 |
| Core capital (leverage) ratio | 8.6766% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69,225.0000% | 1 |
| Memoranda: |
| Average total assets | $161,584,000 | 3,417 |
| Average earning assets | $147,401,000 | 3,450 |
| Average equity | $15,607,000 | 3,626 |
| Average total loans | $129,106,500 | 2,912 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0103% | 477 |
| Cost of funding earning assets | 0.5747% | 2,483 |
| Net interest margin | 4.4356% | 370 |
| Noninterest income to average assets | 0.3478% | 3,380 |
| Noninterest expense to average assets | 2.8926% | 1,704 |
| Loan and lease loss provision to assets | 0.2410% | 1,619 |
| Net operating income to assets | 0.9624% | 2,433 |
| Return on assets (ROA) | 0.9667% | 2,560 |
| Pretax return on assets | 1.2940% | 1,997 |
| Return on Equity (ROE) | 9.1492% | 2,337 |
| Retained earnings to average equity (ytd only) | 1.3737% | 4,077 |
| Net charge-offs to loans | 0.0507% | 2,067 |
| Credit loss provision to net charge-offs | 586.6667% | 1,119 |
| Earnings coverage of net charge-offs (x) | 37.2333% | 1,442 |
| Efficiency ratio | 63.9882% | 2,823 |
| Assets per employee ($millions) | 4.9157% | 3,488 |
| Cash dividends to net income (ytd only)* | 84.9858% | 514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1274% | 3,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 79.7642% | 446 |
| Net loans and leases to deposits | 94.1307% | 649 |
| Net loans and leases to core deposits | 99.5178% | 923 |
| Total domestic deposits to total assets | 84.7376% | 2,858 |
| Equity capital to assets | 10.2154% | 2,921 |
| Core capital (leverage) ratio | 8.9676% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $146,064,200 | 3,442 |
| Average earning assets | $134,163,400 | 3,454 |
| Average equity | $15,433,000 | 3,618 |
| Average total loans | $118,418,800 | 3,000 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2685% | 363 |
| Cost of funding earning assets | 0.6035% | 2,589 |
| Net interest margin | 4.6651% | 277 |
| Noninterest income to average assets | 0.3507% | 3,360 |
| Noninterest expense to average assets | 2.9973% | 1,450 |
| Loan and lease loss provision to assets | 0.3246% | 1,203 |
| Net operating income to assets | 0.9670% | 2,461 |
| Return on assets (ROA) | 0.9699% | 2,582 |
| Pretax return on assets | 1.3196% | 1,978 |
| Return on Equity (ROE) | 9.0996% | 2,357 |
| Retained earnings to average equity (ytd only) | 1.3074% | 4,150 |
| Net charge-offs to loans | 0.0557% | 1,811 |
| Credit loss provision to net charge-offs | 718.3673% | 1,047 |
| Earnings coverage of net charge-offs (x) | 36.2857% | 1,433 |
| Efficiency ratio | 63.2312% | 2,876 |
| Assets per employee ($millions) | 4.9504% | 3,312 |
| Cash dividends to net income (ytd only)* | 85.6327% | 487 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1358% | 3,005 |
| Loan loss allowance to noncurrent loans | 4,312.1212% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 4,366 |
| Noncurrent loans to loans | 0.0263% | 4,302 |
| Net loans and leases to total assets | 80.7092% | 548 |
| Net loans and leases to deposits | 95.2373% | 822 |
| Net loans and leases to core deposits | 101.6680% | 1,049 |
| Total domestic deposits to total assets | 84.7454% | 2,531 |
| Equity capital to assets | 10.1009% | 3,147 |
| Core capital (leverage) ratio | 8.8978% | 3,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $144,483,250 | 3,453 |
| Average earning assets | $132,784,750 | 3,462 |
| Average equity | $15,399,500 | 3,619 |
| Average total loans | $117,289,250 | 3,020 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7436% | 213 |
| Cost of funding earning assets | 0.6370% | 2,773 |
| Net interest margin | 5.1066% | 169 |
| Noninterest income to average assets | 0.3435% | 3,414 |
| Noninterest expense to average assets | 3.3571% | 913 |
| Loan and lease loss provision to assets | 0.4029% | 999 |
| Net operating income to assets | 0.8806% | 2,768 |
| Return on assets (ROA) | 0.8806% | 2,883 |
| Pretax return on assets | 1.2411% | 2,215 |
| Return on Equity (ROE) | 8.1090% | 2,702 |
| Retained earnings to average equity (ytd only) | 0.2994% | 4,246 |
| Net charge-offs to loans | 0.0052% | 2,775 |
| Credit loss provision to net charge-offs | 9,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 387.6667% | 265 |
| Efficiency ratio | 65.8564% | 2,541 |
| Assets per employee ($millions) | 4.5764% | 3,684 |
| Cash dividends to net income (ytd only)* | 96.3082% | 514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1758% | 2,633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 81.6422% | 441 |
| Net loans and leases to deposits | 97.1232% | 720 |
| Net loans and leases to core deposits | 101.6530% | 1,138 |
| Total domestic deposits to total assets | 84.0604% | 2,733 |
| Equity capital to assets | 10.2006% | 3,021 |
| Core capital (leverage) ratio | 9.1852% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $141,490,333 | 3,465 |
| Average earning assets | $129,048,333 | 3,483 |
| Average equity | $15,365,667 | 3,618 |
| Average total loans | $114,625,333 | 3,040 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8008% | 1,415 |
| Cost of funding earning assets | 0.6826% | 3,005 |
| Net interest margin | 4.1182% | 1,096 |
| Noninterest income to average assets | 0.3862% | 3,197 |
| Noninterest expense to average assets | 3.0397% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8426% | 2,743 |
| Return on assets (ROA) | 0.8426% | 2,833 |
| Pretax return on assets | 1.1059% | 2,500 |
| Return on Equity (ROE) | 7.5068% | 2,729 |
| Retained earnings to average equity (ytd only) | -0.3128% | 4,037 |
| Net charge-offs to loans | 0.0110% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 492 |
| Efficiency ratio | 71.7008% | 2,125 |
| Assets per employee ($millions) | 4.6159% | 3,108 |
| Cash dividends to net income (ytd only)* | 104.1667% | 719 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0976% | 3,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 79.5827% | 747 |
| Net loans and leases to deposits | 95.6914% | 943 |
| Net loans and leases to core deposits | 98.8687% | 1,567 |
| Total domestic deposits to total assets | 83.1660% | 3,057 |
| Equity capital to assets | 11.0886% | 2,786 |
| Core capital (leverage) ratio | 9.6339% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6151% | 2,437 |
| Memoranda: |
| Average total assets | $136,725,500 | 3,490 |
| Average earning assets | $124,812,500 | 3,510 |
| Average equity | $15,346,000 | 3,623 |
| Average total loans | $109,556,500 | 3,085 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8847% | 1,796 |
| Cost of funding earning assets | 0.5673% | 3,787 |
| Net interest margin | 4.3173% | 1,057 |
| Noninterest income to average assets | 0.4739% | 2,885 |
| Noninterest expense to average assets | 2.9918% | 2,042 |
| Loan and lease loss provision to assets | 0.2433% | 770 |
| Net operating income to assets | 0.9139% | 3,156 |
| Return on assets (ROA) | 0.9014% | 3,292 |
| Pretax return on assets | 1.1942% | 2,861 |
| Return on Equity (ROE) | 7.8843% | 3,211 |
| Retained earnings to average equity (ytd only) | 0.3536% | 4,591 |
| Net charge-offs to loans | 0.0428% | 2,535 |
| Credit loss provision to net charge-offs | 706.5217% | 450 |
| Earnings coverage of net charge-offs (x) | 42.1957% | 1,265 |
| Efficiency ratio | 65.5887% | 2,832 |
| Assets per employee ($millions) | 4.2180% | 3,612 |
| Cash dividends to net income (ytd only)* | 95.5150% | 405 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1478% | 2,714 |
| Loan loss allowance to noncurrent loans | 559.2760% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,823 |
| Noncurrent loans to loans | 0.2052% | 3,722 |
| Net loans and leases to total assets | 78.8672% | 955 |
| Net loans and leases to deposits | 95.3008% | 1,023 |
| Net loans and leases to core deposits | 98.0609% | 1,718 |
| Total domestic deposits to total assets | 82.7561% | 3,288 |
| Equity capital to assets | 11.3628% | 2,650 |
| Core capital (leverage) ratio | 9.8595% | 3,661 |
| Tier 1 risk-based capital ratio | 13.8137% | 3,356 |
| Total risk-based capital ratio | 15.0640% | 3,267 |
| Memoranda: |
| Average total assets | $133,563,200 | 3,518 |
| Average earning assets | $122,854,200 | 3,522 |
| Average equity | $15,270,800 | 3,614 |
| Average total loans | $107,354,600 | 3,128 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9092% | 1,792 |
| Cost of funding earning assets | 0.5493% | 3,930 |
| Net interest margin | 4.3599% | 1,035 |
| Noninterest income to average assets | 0.4704% | 2,906 |
| Noninterest expense to average assets | 2.9286% | 2,166 |
| Loan and lease loss provision to assets | 0.3163% | 452 |
| Net operating income to assets | 0.9176% | 3,278 |
| Return on assets (ROA) | 0.9018% | 3,414 |
| Pretax return on assets | 1.2091% | 2,956 |
| Return on Equity (ROE) | 7.8752% | 3,364 |
| Retained earnings to average equity (ytd only) | 0.4458% | 4,677 |
| Net charge-offs to loans | 0.0037% | 3,278 |
| Credit loss provision to net charge-offs | 10,533.3333% | 31 |
| Earnings coverage of net charge-offs (x) | 514.6550% | 191 |
| Efficiency ratio | 63.6689% | 3,072 |
| Assets per employee ($millions) | 4.2274% | 3,578 |
| Cash dividends to net income (ytd only)* | 94.3403% | 385 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2166% | 2,425 |
| Loan loss allowance to noncurrent loans | 501.5444% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 3,798 |
| Noncurrent loans to loans | 0.2426% | 3,672 |
| Net loans and leases to total assets | 77.9698% | 1,147 |
| Net loans and leases to deposits | 93.9904% | 1,217 |
| Net loans and leases to core deposits | 96.2513% | 1,973 |
| Total domestic deposits to total assets | 82.9551% | 3,186 |
| Equity capital to assets | 11.3285% | 2,817 |
| Core capital (leverage) ratio | 9.9355% | 3,697 |
| Tier 1 risk-based capital ratio | 14.1995% | 3,225 |
| Total risk-based capital ratio | 15.4513% | 3,129 |
| Memoranda: |
| Average total assets | $133,210,250 | 3,559 |
| Average earning assets | $122,324,250 | 3,567 |
| Average equity | $15,254,250 | 3,648 |
| Average total loans | $107,271,500 | 3,162 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7880% | 2,098 |
| Cost of funding earning assets | 0.5000% | 4,113 |
| Net interest margin | 4.2880% | 1,172 |
| Noninterest income to average assets | 0.4165% | 3,162 |
| Noninterest expense to average assets | 2.9429% | 2,158 |
| Loan and lease loss provision to assets | 0.3154% | 427 |
| Net operating income to assets | 0.8156% | 3,599 |
| Return on assets (ROA) | 0.8406% | 3,565 |
| Pretax return on assets | 1.1244% | 3,160 |
| Return on Equity (ROE) | 7.3142% | 3,566 |
| Retained earnings to average equity (ytd only) | 0.0919% | 4,662 |
| Net charge-offs to loans | -0.0074% | 4,237 |
| Credit loss provision to net charge-offs | -5,225.0000% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6379% | 2,595 |
| Assets per employee ($millions) | 4.1844% | 3,598 |
| Cash dividends to net income (ytd only)* | 98.7433% | 445 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1506% | 2,788 |
| Loan loss allowance to noncurrent loans | 3,090.2439% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 4,622 |
| Noncurrent loans to loans | 0.0372% | 4,526 |
| Net loans and leases to total assets | 81.2944% | 698 |
| Net loans and leases to deposits | 98.1250% | 830 |
| Net loans and leases to core deposits | 100.2071% | 1,704 |
| Total domestic deposits to total assets | 82.8478% | 3,257 |
| Equity capital to assets | 11.4054% | 2,696 |
| Core capital (leverage) ratio | 10.3385% | 3,253 |
| Tier 1 risk-based capital ratio | 12.7039% | 4,010 |
| Total risk-based capital ratio | 13.9265% | 3,929 |
| Memoranda: |
| Average total assets | $132,521,000 | 3,590 |
| Average earning assets | $121,596,330 | 3,601 |
| Average equity | $15,230,670 | 3,660 |
| Average total loans | $107,437,000 | 3,174 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8577% | 1,737 |
| Cost of funding earning assets | 0.4934% | 4,089 |
| Net interest margin | 4.3643% | 979 |
| Noninterest income to average assets | 0.3944% | 3,219 |
| Noninterest expense to average assets | 2.9492% | 2,136 |
| Loan and lease loss provision to assets | 0.3853% | 302 |
| Net operating income to assets | 0.8065% | 3,597 |
| Return on assets (ROA) | 0.7585% | 3,798 |
| Pretax return on assets | 0.9982% | 3,443 |
| Return on Equity (ROE) | 6.5746% | 3,812 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,528 |
| Net charge-offs to loans | -0.0113% | 4,269 |
| Credit loss provision to net charge-offs | -4,233.3333% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1271% | 2,775 |
| Assets per employee ($millions) | 3.8122% | 4,172 |
| Cash dividends to net income (ytd only)* | 100.0000% | 619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1621% | 2,782 |
| Loan loss allowance to noncurrent loans | 445.0909% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 3,752 |
| Noncurrent loans to loans | 0.2611% | 3,628 |
| Net loans and leases to total assets | 82.7517% | 499 |
| Net loans and leases to deposits | 94.8358% | 1,076 |
| Net loans and leases to core deposits | 96.8617% | 1,865 |
| Total domestic deposits to total assets | 87.2580% | 1,684 |
| Equity capital to assets | 12.0974% | 1,966 |
| Core capital (leverage) ratio | 10.3019% | 3,273 |
| Tier 1 risk-based capital ratio | 11.3097% | 4,835 |
| Total risk-based capital ratio | 12.3634% | 4,837 |
| Memoranda: |
| Average total assets | $131,831,000 | 3,637 |
| Average earning assets | $120,798,000 | 3,647 |
| Average equity | $15,210,000 | 3,680 |
| Average total loans | $106,095,000 | 3,225 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8952% | 1,303 |
| Cost of funding earning assets | 0.3575% | 4,232 |
| Net interest margin | 4.5377% | 713 |
| Noninterest income to average assets | 0.5852% | 2,373 |
| Noninterest expense to average assets | 3.7541% | 723 |
| Loan and lease loss provision to assets | 0.1658% | 1,221 |
| Net operating income to assets | 0.7142% | 4,101 |
| Return on assets (ROA) | 0.7052% | 4,129 |
| Pretax return on assets | 0.8388% | 4,071 |
| Return on Equity (ROE) | 6.7064% | 3,930 |
| Retained earnings to average equity (ytd only) | -0.7142% | 5,066 |
| Net charge-offs to loans | 0.0381% | 2,638 |
| Credit loss provision to net charge-offs | 607.1429% | 569 |
| Earnings coverage of net charge-offs (x) | 37.1786% | 1,391 |
| Efficiency ratio | 78.7117% | 1,063 |
| Assets per employee ($millions) | 4.0580% | 3,812 |
| Cash dividends to net income (ytd only)* | 110.6501% | 191 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0874% | 3,184 |
| Loan loss allowance to noncurrent loans | 492.3729% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 3,958 |
| Noncurrent loans to loans | 0.2208% | 3,787 |
| Net loans and leases to total assets | 76.6085% | 1,502 |
| Net loans and leases to deposits | 88.7682% | 1,954 |
| Net loans and leases to core deposits | 89.2261% | 2,627 |
| Total domestic deposits to total assets | 86.3017% | 2,087 |
| Equity capital to assets | 11.1007% | 2,590 |
| Core capital (leverage) ratio | 9.8825% | 3,710 |
| Tier 1 risk-based capital ratio | 10.5877% | 5,149 |
| Total risk-based capital ratio | 11.5177% | 5,171 |
| Memoranda: |
| Average total assets | $102,528,000 | 4,058 |
| Average earning assets | $94,541,000 | 4,053 |
| Average equity | $10,780,800 | 4,193 |
| Average total loans | $73,457,800 | 3,798 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5501% | 2,125 |
| Cost of funding earning assets | 0.3256% | 4,343 |
| Net interest margin | 4.2245% | 1,297 |
| Noninterest income to average assets | 0.6092% | 2,262 |
| Noninterest expense to average assets | 3.8523% | 631 |
| Loan and lease loss provision to assets | 0.1287% | 1,562 |
| Net operating income to assets | 0.4466% | 4,863 |
| Return on assets (ROA) | 0.4590% | 4,849 |
| Pretax return on assets | 0.5777% | 4,767 |
| Return on Equity (ROE) | 4.7011% | 4,649 |
| Retained earnings to average equity (ytd only) | -1.1570% | 5,144 |
| Net charge-offs to loans | 0.0328% | 2,430 |
| Credit loss provision to net charge-offs | 562.5000% | 632 |
| Earnings coverage of net charge-offs (x) | 30.1913% | 1,601 |
| Efficiency ratio | 84.7970% | 594 |
| Assets per employee ($millions) | 4.6017% | 2,974 |
| Cash dividends to net income (ytd only)* | 124.6104% | 133 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5866% | 5,063 |
| Loan loss allowance to noncurrent loans | 8,928.5714% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 5,005 |
| Noncurrent loans to loans | 0.0066% | 4,905 |
| Net loans and leases to total assets | 76.7287% | 1,550 |
| Net loans and leases to deposits | 85.6671% | 2,399 |
| Net loans and leases to core deposits | 86.0905% | 2,983 |
| Total domestic deposits to total assets | 89.5661% | 652 |
| Equity capital to assets | 9.6009% | 3,996 |
| Core capital (leverage) ratio | 9.4997% | 4,173 |
| Tier 1 risk-based capital ratio | 13.5221% | 3,616 |
| Total risk-based capital ratio | 14.1595% | 3,861 |
| Memoranda: |
| Average total assets | $93,239,750 | 4,256 |
| Average earning assets | $86,824,000 | 4,252 |
| Average equity | $9,104,000 | 4,491 |
| Average total loans | $65,107,250 | 4,017 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2981% | 2,764 |
| Cost of funding earning assets | 0.2795% | 4,566 |
| Net interest margin | 4.0186% | 1,796 |
| Noninterest income to average assets | 0.7150% | 1,817 |
| Noninterest expense to average assets | 3.2049% | 1,528 |
| Loan and lease loss provision to assets | 0.1532% | 1,232 |
| Net operating income to assets | 0.7968% | 3,867 |
| Return on assets (ROA) | 0.7968% | 3,868 |
| Pretax return on assets | 1.0649% | 3,455 |
| Return on Equity (ROE) | 8.0679% | 3,470 |
| Retained earnings to average equity (ytd only) | 8.0679% | 1,600 |
| Net charge-offs to loans | -0.0078% | 4,232 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4596% | 1,925 |
| Assets per employee ($millions) | 5.1255% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2012% | 2,705 |
| Loan loss allowance to noncurrent loans | 774.6835% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,483 |
| Noncurrent loans to loans | 0.1551% | 4,210 |
| Net loans and leases to total assets | 65.4731% | 3,213 |
| Net loans and leases to deposits | 73.0538% | 3,623 |
| Net loans and leases to core deposits | 73.3262% | 3,923 |
| Total domestic deposits to total assets | 89.6231% | 697 |
| Equity capital to assets | 9.9165% | 3,704 |
| Core capital (leverage) ratio | 10.3858% | 3,154 |
| Tier 1 risk-based capital ratio | 15.4209% | 2,678 |
| Total risk-based capital ratio | 16.5808% | 2,649 |
| Memoranda: |
| Average total assets | $78,316,670 | 4,551 |
| Average earning assets | $72,263,670 | 4,545 |
| Average equity | $7,734,330 | 4,738 |
| Average total loans | $51,293,330 | 4,369 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2609% | 2,666 |
| Cost of funding earning assets | 0.2465% | 4,732 |
| Net interest margin | 4.0144% | 1,682 |
| Noninterest income to average assets | 0.5466% | 2,537 |
| Noninterest expense to average assets | 3.2138% | 1,535 |
| Loan and lease loss provision to assets | 0.1518% | 1,192 |
| Net operating income to assets | 0.6630% | 4,232 |
| Return on assets (ROA) | 0.6630% | 4,240 |
| Pretax return on assets | 0.8908% | 3,877 |
| Return on Equity (ROE) | 6.7270% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.7270% | 2,398 |
| Net charge-offs to loans | -0.0155% | 4,435 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5054% | 1,665 |
| Assets per employee ($millions) | 5.6292% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1085% | 3,326 |
| Loan loss allowance to noncurrent loans | 1,452.5000% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 4,848 |
| Noncurrent loans to loans | 0.0763% | 4,643 |
| Net loans and leases to total assets | 65.7717% | 3,069 |
| Net loans and leases to deposits | 73.6854% | 3,443 |
| Net loans and leases to core deposits | 73.9535% | 3,826 |
| Total domestic deposits to total assets | 89.2601% | 981 |
| Equity capital to assets | 9.9557% | 3,639 |
| Core capital (leverage) ratio | 10.0958% | 3,428 |
| Tier 1 risk-based capital ratio | 15.0388% | 2,847 |
| Total risk-based capital ratio | 16.1371% | 2,859 |
| Memoranda: |
| Average total assets | $79,034,000 | 4,584 |
| Average earning assets | $73,036,500 | 4,574 |
| Average equity | $7,789,500 | 4,782 |
| Average total loans | $51,465,500 | 4,410 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9008% | 3,723 |
| Cost of funding earning assets | 0.2408% | 4,637 |
| Net interest margin | 3.6599% | 2,950 |
| Noninterest income to average assets | 0.6327% | 2,289 |
| Noninterest expense to average assets | 3.2089% | 1,587 |
| Loan and lease loss provision to assets | 0.1653% | 1,332 |
| Net operating income to assets | 0.3944% | 4,714 |
| Return on assets (ROA) | 0.3944% | 4,725 |
| Pretax return on assets | 0.5819% | 4,779 |
| Return on Equity (ROE) | 3.9884% | 4,506 |
| Retained earnings to average equity (ytd only) | 3.9884% | 2,805 |
| Net charge-offs to loans | 0.1602% | 1,523 |
| Credit loss provision to net charge-offs | 164.9351% | 1,628 |
| Earnings coverage of net charge-offs (x) | 7.4545% | 3,037 |
| Efficiency ratio | 81.1122% | 1,004 |
| Assets per employee ($millions) | 5.6614% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0888% | 3,412 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 5,089 |
| Noncurrent loans to loans | 0.0218% | 4,917 |
| Net loans and leases to total assets | 63.0414% | 3,484 |
| Net loans and leases to deposits | 70.1701% | 3,856 |
| Net loans and leases to core deposits | 70.4223% | 4,144 |
| Total domestic deposits to total assets | 89.8409% | 629 |
| Equity capital to assets | 9.7566% | 3,960 |
| Core capital (leverage) ratio | 9.7121% | 3,798 |
| Tier 1 risk-based capital ratio | 18.1607% | 1,761 |
| Total risk-based capital ratio | 19.4370% | 1,701 |
| Memoranda: |
| Average total assets | $76,817,000 | 4,647 |
| Average earning assets | $69,755,400 | 4,671 |
| Average equity | $7,597,000 | 4,843 |
| Average total loans | $48,064,200 | 4,512 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8447% | 3,852 |
| Cost of funding earning assets | 0.2386% | 4,664 |
| Net interest margin | 3.6061% | 3,128 |
| Noninterest income to average assets | 0.6543% | 2,185 |
| Noninterest expense to average assets | 3.3522% | 1,244 |
| Loan and lease loss provision to assets | 0.1697% | 1,190 |
| Net operating income to assets | 0.2432% | 5,309 |
| Return on assets (ROA) | 0.2432% | 5,323 |
| Pretax return on assets | 0.3849% | 5,210 |
| Return on Equity (ROE) | 2.4505% | 5,238 |
| Retained earnings to average equity (ytd only) | 2.4505% | 4,423 |
| Net charge-offs to loans | 0.2163% | 1,001 |
| Credit loss provision to net charge-offs | 125.9740% | 1,930 |
| Earnings coverage of net charge-offs (x) | 4.1171% | 3,264 |
| Efficiency ratio | 85.8039% | 643 |
| Assets per employee ($millions) | 4.8291% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0726% | 3,652 |
| Loan loss allowance to noncurrent loans | 866.6667% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 4,727 |
| Noncurrent loans to loans | 0.1238% | 4,562 |
| Net loans and leases to total assets | 58.4196% | 4,019 |
| Net loans and leases to deposits | 64.7884% | 4,334 |
| Net loans and leases to core deposits | 65.0115% | 4,554 |
| Total domestic deposits to total assets | 90.1698% | 415 |
| Equity capital to assets | 9.2686% | 4,669 |
| Core capital (leverage) ratio | 9.5555% | 4,086 |
| Tier 1 risk-based capital ratio | 16.5158% | 2,321 |
| Total risk-based capital ratio | 17.6394% | 2,306 |
| Memoranda: |
| Average total assets | $76,206,500 | 4,708 |
| Average earning assets | $68,733,250 | 4,740 |
| Average equity | $7,563,000 | 4,897 |
| Average total loans | $47,451,250 | 4,569 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8309% | 3,784 |
| Cost of funding earning assets | 0.2377% | 4,659 |
| Net interest margin | 3.5931% | 3,067 |
| Noninterest income to average assets | 0.6815% | 2,077 |
| Noninterest expense to average assets | 3.2918% | 1,388 |
| Loan and lease loss provision to assets | 0.1778% | 1,077 |
| Net operating income to assets | 0.2667% | 5,294 |
| Return on assets (ROA) | 0.2667% | 5,314 |
| Pretax return on assets | 0.4283% | 5,121 |
| Return on Equity (ROE) | 2.6233% | 5,211 |
| Retained earnings to average equity (ytd only) | 2.6233% | 4,128 |
| Net charge-offs to loans | 0.2760% | 731 |
| Credit loss provision to net charge-offs | 101.5385% | 1,986 |
| Earnings coverage of net charge-offs (x) | 3.4615% | 3,046 |
| Efficiency ratio | 84.4506% | 807 |
| Assets per employee ($millions) | 5.2617% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0931% | 3,622 |
| Loan loss allowance to noncurrent loans | 1,089.1304% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 4,863 |
| Noncurrent loans to loans | 0.1004% | 4,728 |
| Net loans and leases to total assets | 53.8468% | 4,401 |
| Net loans and leases to deposits | 59.4378% | 4,673 |
| Net loans and leases to core deposits | 59.6364% | 4,836 |
| Total domestic deposits to total assets | 90.5936% | 325 |
| Equity capital to assets | 9.0085% | 4,891 |
| Core capital (leverage) ratio | 9.7519% | 3,833 |
| Tier 1 risk-based capital ratio | 17.8317% | 1,911 |
| Total risk-based capital ratio | 19.0045% | 1,892 |
| Memoranda: |
| Average total assets | $74,244,000 | 4,780 |
| Average earning assets | $66,460,330 | 4,818 |
| Average equity | $7,547,670 | 4,921 |
| Average total loans | $47,108,670 | 4,606 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0153% | 2,978 |
| Cost of funding earning assets | 0.2418% | 4,610 |
| Net interest margin | 3.7735% | 2,207 |
| Noninterest income to average assets | 0.7449% | 1,766 |
| Noninterest expense to average assets | 3.2913% | 1,408 |
| Loan and lease loss provision to assets | 0.2136% | 756 |
| Net operating income to assets | 0.4100% | 4,920 |
| Return on assets (ROA) | 0.4100% | 4,943 |
| Pretax return on assets | 0.6640% | 4,550 |
| Return on Equity (ROE) | 3.7718% | 4,852 |
| Retained earnings to average equity (ytd only) | 3.7718% | 3,564 |
| Net charge-offs to loans | 0.5613% | 316 |
| Credit loss provision to net charge-offs | 55.2239% | 1,943 |
| Earnings coverage of net charge-offs (x) | 2.2687% | 2,617 |
| Efficiency ratio | 78.9474% | 1,496 |
| Assets per employee ($millions) | 4.1632% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0122% | 4,204 |
| Loan loss allowance to noncurrent loans | 5,875.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 5,126 |
| Noncurrent loans to loans | 0.0172% | 5,166 |
| Net loans and leases to total assets | 64.9419% | 3,126 |
| Net loans and leases to deposits | 73.1728% | 3,486 |
| Net loans and leases to core deposits | 73.4687% | 3,880 |
| Total domestic deposits to total assets | 88.7515% | 1,288 |
| Equity capital to assets | 10.6918% | 2,970 |
| Core capital (leverage) ratio | 11.0398% | 2,318 |
| Tier 1 risk-based capital ratio | 18.9461% | 1,628 |
| Total risk-based capital ratio | 20.1249% | 1,603 |
| Memoranda: |
| Average total assets | $69,272,500 | 4,930 |
| Average earning assets | $62,859,500 | 4,942 |
| Average equity | $7,529,500 | 4,965 |
| Average total loans | $47,746,500 | 4,632 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6471% | 1,172 |
| Cost of funding earning assets | 0.2419% | 4,638 |
| Net interest margin | 4.4053% | 767 |
| Noninterest income to average assets | 0.5714% | 2,808 |
| Noninterest expense to average assets | 3.3513% | 1,463 |
| Loan and lease loss provision to assets | 0.0340% | 3,683 |
| Net operating income to assets | 0.7520% | 3,528 |
| Return on assets (ROA) | 0.7520% | 3,647 |
| Pretax return on assets | 1.2034% | 2,659 |
| Return on Equity (ROE) | 7.0327% | 3,452 |
| Retained earnings to average equity (ytd only) | 6.3405% | 1,531 |
| Net charge-offs to loans | 0.1374% | 1,877 |
| Credit loss provision to net charge-offs | 31.5068% | 3,575 |
| Earnings coverage of net charge-offs (x) | 11.4521% | 2,537 |
| Efficiency ratio | 73.0323% | 2,423 |
| Assets per employee ($millions) | 4.2357% | 3,554 |
| Cash dividends to net income (ytd only)* | 9.8425% | 4,022 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0191% | 4,199 |
| Loan loss allowance to noncurrent loans | 641.0256% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 4,177 |
| Noncurrent loans to loans | 0.1590% | 4,598 |
| Net loans and leases to total assets | 71.6545% | 2,212 |
| Net loans and leases to deposits | 81.0012% | 2,780 |
| Net loans and leases to core deposits | 81.3444% | 3,279 |
| Total domestic deposits to total assets | 88.4611% | 1,398 |
| Equity capital to assets | 11.0549% | 2,586 |
| Core capital (leverage) ratio | 10.9232% | 2,419 |
| Tier 1 risk-based capital ratio | 17.5466% | 1,992 |
| Total risk-based capital ratio | 18.7158% | 1,978 |
| Memoranda: |
| Average total assets | $67,556,400 | 4,981 |
| Average earning assets | $61,608,000 | 4,986 |
| Average equity | $7,223,400 | 5,055 |
| Average total loans | $53,120,000 | 4,489 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6609% | 1,161 |
| Cost of funding earning assets | 0.2405% | 4,694 |
| Net interest margin | 4.4204% | 748 |
| Noninterest income to average assets | 0.5629% | 2,857 |
| Noninterest expense to average assets | 3.4447% | 1,258 |
| Loan and lease loss provision to assets | 0.1778% | 1,255 |
| Net operating income to assets | 0.6084% | 4,263 |
| Return on assets (ROA) | 0.6084% | 4,377 |
| Pretax return on assets | 0.9698% | 3,740 |
| Return on Equity (ROE) | 5.7385% | 4,194 |
| Retained earnings to average equity (ytd only) | 4.8068% | 2,953 |
| Net charge-offs to loans | 0.0936% | 2,016 |
| Credit loss provision to net charge-offs | 236.8421% | 1,245 |
| Earnings coverage of net charge-offs (x) | 15.2881% | 2,188 |
| Efficiency ratio | 75.0108% | 2,105 |
| Assets per employee ($millions) | 3.9866% | 3,992 |
| Cash dividends to net income (ytd only)* | 16.2348% | 3,373 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1402% | 3,609 |
| Loan loss allowance to noncurrent loans | 802.6667% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 4,399 |
| Noncurrent loans to loans | 0.1421% | 4,772 |
| Net loans and leases to total assets | 77.0141% | 1,358 |
| Net loans and leases to deposits | 86.9697% | 2,140 |
| Net loans and leases to core deposits | 87.3364% | 2,818 |
| Total domestic deposits to total assets | 88.5528% | 1,131 |
| Equity capital to assets | 10.7832% | 3,265 |
| Core capital (leverage) ratio | 10.6772% | 2,804 |
| Tier 1 risk-based capital ratio | 15.7518% | 2,722 |
| Total risk-based capital ratio | 17.0028% | 2,656 |
| Memoranda: |
| Average total assets | $67,502,750 | 5,027 |
| Average earning assets | $61,532,000 | 5,031 |
| Average equity | $7,156,250 | 5,112 |
| Average total loans | $54,134,750 | 4,490 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6542% | 1,154 |
| Cost of funding earning assets | 0.2403% | 4,750 |
| Net interest margin | 4.4139% | 743 |
| Noninterest income to average assets | 0.5400% | 2,954 |
| Noninterest expense to average assets | 3.4978% | 1,163 |
| Loan and lease loss provision to assets | 0.1780% | 1,229 |
| Net operating income to assets | 0.5637% | 4,424 |
| Return on assets (ROA) | 0.5637% | 4,544 |
| Pretax return on assets | 0.8960% | 3,965 |
| Return on Equity (ROE) | 5.3478% | 4,358 |
| Retained earnings to average equity (ytd only) | 3.9405% | 3,394 |
| Net charge-offs to loans | 0.0586% | 2,352 |
| Credit loss provision to net charge-offs | 375.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 22.6250% | 1,619 |
| Efficiency ratio | 76.5088% | 2,004 |
| Assets per employee ($millions) | 3.8598% | 4,152 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,980 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0765% | 4,074 |
| Loan loss allowance to noncurrent loans | 343.3526% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 3,911 |
| Noncurrent loans to loans | 0.3135% | 4,240 |
| Net loans and leases to total assets | 78.5684% | 1,126 |
| Net loans and leases to deposits | 88.6038% | 1,907 |
| Net loans and leases to core deposits | 88.9677% | 2,642 |
| Total domestic deposits to total assets | 88.6739% | 1,078 |
| Equity capital to assets | 10.3545% | 3,788 |
| Core capital (leverage) ratio | 10.5827% | 2,871 |
| Tier 1 risk-based capital ratio | 14.8514% | 3,137 |
| Total risk-based capital ratio | 16.0790% | 3,094 |
| Memoranda: |
| Average total assets | $67,413,000 | 5,079 |
| Average earning assets | $61,578,330 | 5,079 |
| Average equity | $7,105,670 | 5,173 |
| Average total loans | $54,581,000 | 4,516 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6679% | 1,111 |
| Cost of funding earning assets | 0.2443% | 4,759 |
| Net interest margin | 4.4236% | 703 |
| Noninterest income to average assets | 0.5363% | 2,890 |
| Noninterest expense to average assets | 3.5793% | 1,051 |
| Loan and lease loss provision to assets | 0.1808% | 1,117 |
| Net operating income to assets | 0.5122% | 4,578 |
| Return on assets (ROA) | 0.5122% | 4,685 |
| Pretax return on assets | 0.8135% | 4,155 |
| Return on Equity (ROE) | 4.8148% | 4,572 |
| Retained earnings to average equity (ytd only) | 1.9826% | 4,460 |
| Net charge-offs to loans | 0.0958% | 1,556 |
| Credit loss provision to net charge-offs | 230.7692% | 990 |
| Earnings coverage of net charge-offs (x) | 12.6923% | 1,776 |
| Efficiency ratio | 78.2609% | 1,857 |
| Assets per employee ($millions) | 4.4287% | 3,204 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,478 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0445% | 4,363 |
| Loan loss allowance to noncurrent loans | 736.3636% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 4,596 |
| Noncurrent loans to loans | 0.1419% | 4,910 |
| Net loans and leases to total assets | 80.8583% | 707 |
| Net loans and leases to deposits | 90.9915% | 1,459 |
| Net loans and leases to core deposits | 91.3816% | 2,245 |
| Total domestic deposits to total assets | 88.8636% | 1,174 |
| Equity capital to assets | 10.6652% | 3,299 |
| Core capital (leverage) ratio | 10.7137% | 2,712 |
| Tier 1 risk-based capital ratio | 14.9995% | 3,159 |
| Total risk-based capital ratio | 16.1999% | 3,119 |
| Memoranda: |
| Average total assets | $66,381,000 | 5,139 |
| Average earning assets | $60,583,500 | 5,141 |
| Average equity | $7,061,500 | 5,218 |
| Average total loans | $54,281,000 | 4,545 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7809% | 954 |
| Cost of funding earning assets | 0.2507% | 4,779 |
| Net interest margin | 4.5303% | 625 |
| Noninterest income to average assets | 0.7518% | 1,974 |
| Noninterest expense to average assets | 3.6585% | 1,034 |
| Loan and lease loss provision to assets | 0.0738% | 2,795 |
| Net operating income to assets | 0.7413% | 3,613 |
| Return on assets (ROA) | 0.7385% | 3,726 |
| Pretax return on assets | 1.1520% | 2,830 |
| Return on Equity (ROE) | 7.2309% | 3,392 |
| Retained earnings to average equity (ytd only) | 2.8923% | 4,003 |
| Net charge-offs to loans | 0.1842% | 1,562 |
| Credit loss provision to net charge-offs | 50.0000% | 3,400 |
| Earnings coverage of net charge-offs (x) | 8.3300% | 2,969 |
| Efficiency ratio | 74.8338% | 2,451 |
| Assets per employee ($millions) | 4.4221% | 3,167 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,735 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0133% | 4,526 |
| Loan loss allowance to noncurrent loans | 555.5556% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.2744% | 4,489 |
| Noncurrent loans to loans | 0.1824% | 4,763 |
| Net loans and leases to total assets | 81.0028% | 710 |
| Net loans and leases to deposits | 91.0400% | 1,502 |
| Net loans and leases to core deposits | 91.0400% | 2,311 |
| Total domestic deposits to total assets | 88.9750% | 1,124 |
| Equity capital to assets | 10.6104% | 3,232 |
| Core capital (leverage) ratio | 10.3519% | 3,103 |
| Tier 1 risk-based capital ratio | 14.6080% | 3,376 |
| Total risk-based capital ratio | 15.7482% | 3,359 |
| Memoranda: |
| Average total assets | $67,706,000 | 5,137 |
| Average earning assets | $61,828,800 | 5,130 |
| Average equity | $6,914,800 | 5,259 |
| Average total loans | $54,302,000 | 4,551 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7696% | 985 |
| Cost of funding earning assets | 0.2552% | 4,823 |
| Net interest margin | 4.5144% | 629 |
| Noninterest income to average assets | 0.7661% | 1,951 |
| Noninterest expense to average assets | 3.7168% | 956 |
| Loan and lease loss provision to assets | 0.1763% | 1,199 |
| Net operating income to assets | 0.6268% | 4,257 |
| Return on assets (ROA) | 0.6231% | 4,381 |
| Pretax return on assets | 0.9914% | 3,645 |
| Return on Equity (ROE) | 6.1591% | 4,083 |
| Retained earnings to average equity (ytd only) | 1.8013% | 4,980 |
| Net charge-offs to loans | -0.0417% | 5,483 |
| Credit loss provision to net charge-offs | -529.4118% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0016% | 2,252 |
| Assets per employee ($millions) | 2.9100% | 5,645 |
| Cash dividends to net income (ytd only)* | 70.7540% | 995 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2982% | 3,107 |
| Loan loss allowance to noncurrent loans | 570.1613% | 912 |
| Noncurrent assets plus other real estate owned to assets | 2.2621% | 821 |
| Noncurrent loans to loans | 0.2277% | 4,748 |
| Net loans and leases to total assets | 80.3165% | 778 |
| Net loans and leases to deposits | 92.4102% | 1,364 |
| Net loans and leases to core deposits | 92.8090% | 2,188 |
| Total domestic deposits to total assets | 86.9130% | 2,089 |
| Equity capital to assets | 10.3707% | 3,732 |
| Core capital (leverage) ratio | 11.8066% | 1,813 |
| Tier 1 risk-based capital ratio | 13.7199% | 4,008 |
| Total risk-based capital ratio | 14.9715% | 3,944 |
| Memoranda: |
| Average total assets | $68,049,750 | 5,194 |
| Average earning assets | $62,170,250 | 5,190 |
| Average equity | $6,884,000 | 5,333 |
| Average total loans | $54,307,500 | 4,595 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7251% | 1,023 |
| Cost of funding earning assets | 0.2561% | 4,880 |
| Net interest margin | 4.4690% | 671 |
| Noninterest income to average assets | 0.7541% | 1,978 |
| Noninterest expense to average assets | 3.7151% | 969 |
| Loan and lease loss provision to assets | 0.1754% | 1,186 |
| Net operating income to assets | 0.5961% | 4,365 |
| Return on assets (ROA) | 0.5904% | 4,483 |
| Pretax return on assets | 0.9354% | 3,824 |
| Return on Equity (ROE) | 5.8849% | 4,190 |
| Retained earnings to average equity (ytd only) | 1.5149% | 4,944 |
| Net charge-offs to loans | -0.0479% | 5,532 |
| Credit loss provision to net charge-offs | -461.5385% | 5,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8440% | 2,222 |
| Assets per employee ($millions) | 2.9007% | 5,709 |
| Cash dividends to net income (ytd only)* | 74.2574% | 1,067 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2493% | 3,514 |
| Loan loss allowance to noncurrent loans | 333.1683% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 2.2453% | 916 |
| Noncurrent loans to loans | 0.3750% | 4,365 |
| Net loans and leases to total assets | 79.7368% | 838 |
| Net loans and leases to deposits | 91.2299% | 1,458 |
| Net loans and leases to core deposits | 91.2299% | 2,223 |
| Total domestic deposits to total assets | 87.4020% | 1,965 |
| Equity capital to assets | 10.3332% | 3,645 |
| Core capital (leverage) ratio | 10.2194% | 3,310 |
| Tier 1 risk-based capital ratio | 13.6656% | 4,119 |
| Total risk-based capital ratio | 14.9157% | 4,055 |
| Memoranda: |
| Average total assets | $68,423,330 | 5,244 |
| Average earning assets | $62,475,330 | 5,240 |
| Average equity | $6,865,000 | 5,386 |
| Average total loans | $54,256,000 | 4,634 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7016% | 1,032 |
| Cost of funding earning assets | 0.2538% | 4,978 |
| Net interest margin | 4.4478% | 664 |
| Noninterest income to average assets | 0.7160% | 2,092 |
| Noninterest expense to average assets | 3.7589% | 924 |
| Loan and lease loss provision to assets | 0.1732% | 1,135 |
| Net operating income to assets | 0.5250% | 4,565 |
| Return on assets (ROA) | 0.5139% | 4,732 |
| Pretax return on assets | 0.8141% | 4,185 |
| Return on Equity (ROE) | 5.1967% | 4,435 |
| Retained earnings to average equity (ytd only) | -0.6423% | 5,495 |
| Net charge-offs to loans | -0.0514% | 5,527 |
| Credit loss provision to net charge-offs | -428.5714% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9091% | 2,056 |
| Assets per employee ($millions) | 1.7747% | 6,311 |
| Cash dividends to net income (ytd only)* | 112.3596% | 575 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1772% | 4,101 |
| Loan loss allowance to noncurrent loans | 189.5833% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 2.4199% | 899 |
| Noncurrent loans to loans | 0.6210% | 3,715 |
| Net loans and leases to total assets | 79.2897% | 767 |
| Net loans and leases to deposits | 91.7818% | 1,210 |
| Net loans and leases to core deposits | 91.7818% | 1,964 |
| Total domestic deposits to total assets | 86.3894% | 2,716 |
| Equity capital to assets | 10.1438% | 3,954 |
| Core capital (leverage) ratio | 9.7717% | 3,930 |
| Tier 1 risk-based capital ratio | 13.9795% | 4,040 |
| Total risk-based capital ratio | 15.2292% | 3,955 |
| Memoranda: |
| Average total assets | $69,276,500 | 5,275 |
| Average earning assets | $63,042,500 | 5,276 |
| Average equity | $6,850,500 | 5,434 |
| Average total loans | $54,448,500 | 4,654 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8127% | 1,090 |
| Cost of funding earning assets | 0.3007% | 4,792 |
| Net interest margin | 4.5120% | 730 |
| Noninterest income to average assets | 0.7347% | 2,146 |
| Noninterest expense to average assets | 3.5753% | 1,348 |
| Loan and lease loss provision to assets | -0.3793% | 6,413 |
| Net operating income to assets | 1.0049% | 2,358 |
| Return on assets (ROA) | 1.0031% | 2,447 |
| Pretax return on assets | 1.5411% | 1,412 |
| Return on Equity (ROE) | 10.8918% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.3154% | 1,748 |
| Net charge-offs to loans | 0.0570% | 3,692 |
| Credit loss provision to net charge-offs | -900.0000% | 5,884 |
| Earnings coverage of net charge-offs (x) | 27.6333% | 1,426 |
| Efficiency ratio | 75.4298% | 2,609 |
| Assets per employee ($millions) | 2.6338% | 6,077 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,741 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0952% | 4,560 |
| Loan loss allowance to noncurrent loans | 483.8710% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 1.9968% | 1,276 |
| Noncurrent loans to loans | 0.2263% | 5,012 |
| Net loans and leases to total assets | 76.1984% | 1,230 |
| Net loans and leases to deposits | 84.7201% | 2,134 |
| Net loans and leases to core deposits | 84.7201% | 2,818 |
| Total domestic deposits to total assets | 89.9414% | 758 |
| Equity capital to assets | 9.6466% | 4,535 |
| Core capital (leverage) ratio | 9.7871% | 3,850 |
| Tier 1 risk-based capital ratio | 13.0885% | 4,664 |
| Total risk-based capital ratio | 14.2277% | 4,652 |
| Memoranda: |
| Average total assets | $71,182,600 | 5,253 |
| Average earning assets | $63,186,800 | 5,305 |
| Average equity | $6,555,400 | 5,507 |
| Average total loans | $52,615,400 | 4,741 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7915% | 1,120 |
| Cost of funding earning assets | 0.3095% | 4,786 |
| Net interest margin | 4.4820% | 769 |
| Noninterest income to average assets | 0.7135% | 2,265 |
| Noninterest expense to average assets | 3.5711% | 1,344 |
| Loan and lease loss provision to assets | -0.3277% | 6,481 |
| Net operating income to assets | 0.8988% | 2,916 |
| Return on assets (ROA) | 0.8988% | 3,011 |
| Pretax return on assets | 1.4288% | 1,893 |
| Return on Equity (ROE) | 9.8774% | 2,276 |
| Retained earnings to average equity (ytd only) | 6.7908% | 1,927 |
| Net charge-offs to loans | 0.0845% | 2,995 |
| Credit loss provision to net charge-offs | -530.3030% | 5,765 |
| Earnings coverage of net charge-offs (x) | 17.8177% | 1,881 |
| Efficiency ratio | 76.4329% | 2,423 |
| Assets per employee ($millions) | 3.2347% | 5,362 |
| Cash dividends to net income (ytd only)* | 31.2510% | 2,744 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2710% | 3,804 |
| Loan loss allowance to noncurrent loans | 470.7483% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 2.0277% | 1,404 |
| Noncurrent loans to loans | 0.2700% | 5,104 |
| Net loans and leases to total assets | 75.5364% | 1,277 |
| Net loans and leases to deposits | 84.0011% | 2,151 |
| Net loans and leases to core deposits | 84.0011% | 2,881 |
| Total domestic deposits to total assets | 89.9231% | 772 |
| Equity capital to assets | 9.4895% | 4,805 |
| Core capital (leverage) ratio | 9.5979% | 4,248 |
| Tier 1 risk-based capital ratio | 12.7088% | 5,037 |
| Total risk-based capital ratio | 13.9591% | 4,945 |
| Memoranda: |
| Average total assets | $71,200,000 | 5,310 |
| Average earning assets | $62,887,000 | 5,372 |
| Average equity | $6,479,250 | 5,583 |
| Average total loans | $52,072,500 | 4,793 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7101% | 1,260 |
| Cost of funding earning assets | 0.3168% | 4,802 |
| Net interest margin | 4.3933% | 860 |
| Noninterest income to average assets | 0.6572% | 2,499 |
| Noninterest expense to average assets | 3.6286% | 1,242 |
| Loan and lease loss provision to assets | 0.1685% | 1,455 |
| Net operating income to assets | 0.4522% | 5,005 |
| Return on assets (ROA) | 0.4522% | 5,085 |
| Pretax return on assets | 0.7162% | 4,587 |
| Return on Equity (ROE) | 5.0407% | 4,653 |
| Retained earnings to average equity (ytd only) | 1.9098% | 4,928 |
| Net charge-offs to loans | -0.0078% | 5,268 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3983% | 1,964 |
| Assets per employee ($millions) | 2.8930% | 5,893 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,438 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7896% | 1,867 |
| Loan loss allowance to noncurrent loans | 546.0227% | 853 |
| Noncurrent assets plus other real estate owned to assets | 2.0118% | 1,592 |
| Noncurrent loans to loans | 0.3278% | 5,031 |
| Net loans and leases to total assets | 72.9167% | 1,588 |
| Net loans and leases to deposits | 80.3452% | 2,469 |
| Net loans and leases to core deposits | 80.3452% | 3,172 |
| Total domestic deposits to total assets | 90.7542% | 489 |
| Equity capital to assets | 8.9706% | 5,326 |
| Core capital (leverage) ratio | 9.1328% | 4,838 |
| Tier 1 risk-based capital ratio | 12.2951% | 5,364 |
| Total risk-based capital ratio | 13.5528% | 5,277 |
| Memoranda: |
| Average total assets | $71,212,330 | 5,354 |
| Average earning assets | $62,504,330 | 5,437 |
| Average equity | $6,388,000 | 5,637 |
| Average total loans | $51,281,330 | 4,849 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6800% | 1,305 |
| Cost of funding earning assets | 0.3268% | 4,770 |
| Net interest margin | 4.3532% | 891 |
| Noninterest income to average assets | 0.6397% | 2,520 |
| Noninterest expense to average assets | 3.6572% | 1,197 |
| Loan and lease loss provision to assets | 0.1698% | 1,419 |
| Net operating income to assets | 0.3680% | 5,241 |
| Return on assets (ROA) | 0.3680% | 5,305 |
| Pretax return on assets | 0.5831% | 4,888 |
| Return on Equity (ROE) | 4.1022% | 4,987 |
| Retained earnings to average equity (ytd only) | 0.9467% | 5,222 |
| Net charge-offs to loans | -0.0320% | 5,592 |
| Credit loss provision to net charge-offs | -750.0000% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9268% | 1,808 |
| Assets per employee ($millions) | 2.8405% | 6,054 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,024 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8877% | 1,794 |
| Loan loss allowance to noncurrent loans | 662.4113% | 740 |
| Noncurrent assets plus other real estate owned to assets | 2.0616% | 1,638 |
| Noncurrent loans to loans | 0.2850% | 5,256 |
| Net loans and leases to total assets | 68.3607% | 2,165 |
| Net loans and leases to deposits | 75.3196% | 2,897 |
| Net loans and leases to core deposits | 75.3196% | 3,486 |
| Total domestic deposits to total assets | 90.7608% | 661 |
| Equity capital to assets | 8.9448% | 5,174 |
| Core capital (leverage) ratio | 9.1781% | 4,749 |
| Tier 1 risk-based capital ratio | 13.0584% | 4,972 |
| Total risk-based capital ratio | 14.3170% | 4,902 |
| Memoranda: |
| Average total assets | $70,656,000 | 5,419 |
| Average earning assets | $61,196,000 | 5,536 |
| Average equity | $6,338,000 | 5,684 |
| Average total loans | $50,073,000 | 4,931 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8239% | 1,268 |
| Cost of funding earning assets | 0.3362% | 5,275 |
| Net interest margin | 4.4877% | 752 |
| Noninterest income to average assets | 0.8255% | 1,961 |
| Noninterest expense to average assets | 3.8157% | 1,110 |
| Loan and lease loss provision to assets | -0.1163% | 6,509 |
| Net operating income to assets | 0.7299% | 3,657 |
| Return on assets (ROA) | 0.7299% | 3,744 |
| Pretax return on assets | 1.1728% | 2,683 |
| Return on Equity (ROE) | 7.8991% | 3,078 |
| Retained earnings to average equity (ytd only) | 3.5196% | 3,722 |
| Net charge-offs to loans | -0.1590% | 6,579 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3147% | 2,420 |
| Assets per employee ($millions) | 2.8120% | 6,090 |
| Cash dividends to net income (ytd only)* | 55.4435% | 1,998 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7763% | 2,141 |
| Loan loss allowance to noncurrent loans | 500.0000% | 973 |
| Noncurrent assets plus other real estate owned to assets | 2.1522% | 1,656 |
| Noncurrent loans to loans | 0.3553% | 5,124 |
| Net loans and leases to total assets | 70.7933% | 1,882 |
| Net loans and leases to deposits | 77.9974% | 2,721 |
| Net loans and leases to core deposits | 77.9974% | 3,365 |
| Total domestic deposits to total assets | 90.7637% | 676 |
| Equity capital to assets | 8.9959% | 5,040 |
| Core capital (leverage) ratio | 9.4344% | 4,363 |
| Tier 1 risk-based capital ratio | 12.8561% | 5,081 |
| Total risk-based capital ratio | 14.1120% | 5,023 |
| Memoranda: |
| Average total assets | $67,956,800 | 5,541 |
| Average earning assets | $61,278,800 | 5,556 |
| Average equity | $6,279,200 | 5,745 |
| Average total loans | $49,698,000 | 4,973 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7624% | 1,439 |
| Cost of funding earning assets | 0.3363% | 5,422 |
| Net interest margin | 4.4261% | 847 |
| Noninterest income to average assets | 0.8985% | 1,760 |
| Noninterest expense to average assets | 3.7720% | 1,119 |
| Loan and lease loss provision to assets | 0.2078% | 1,747 |
| Net operating income to assets | 0.6175% | 4,268 |
| Return on assets (ROA) | 0.6175% | 4,398 |
| Pretax return on assets | 0.9816% | 3,581 |
| Return on Equity (ROE) | 6.6367% | 3,852 |
| Retained earnings to average equity (ytd only) | 2.9142% | 4,580 |
| Net charge-offs to loans | -0.2804% | 6,713 |
| Credit loss provision to net charge-offs | -100.9615% | 5,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0271% | 2,725 |
| Assets per employee ($millions) | 2.7284% | 6,240 |
| Cash dividends to net income (ytd only)* | 56.0903% | 1,616 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2530% | 1,248 |
| Loan loss allowance to noncurrent loans | 758.9041% | 622 |
| Noncurrent assets plus other real estate owned to assets | 2.2842% | 1,729 |
| Noncurrent loans to loans | 0.2969% | 5,489 |
| Net loans and leases to total assets | 70.4746% | 1,875 |
| Net loans and leases to deposits | 77.7417% | 2,710 |
| Net loans and leases to core deposits | 77.7417% | 3,392 |
| Total domestic deposits to total assets | 90.6523% | 683 |
| Equity capital to assets | 9.0970% | 5,063 |
| Core capital (leverage) ratio | 9.3512% | 4,616 |
| Tier 1 risk-based capital ratio | 13.3406% | 4,880 |
| Total risk-based capital ratio | 14.6045% | 4,801 |
| Memoranda: |
| Average total assets | $67,371,250 | 5,615 |
| Average earning assets | $61,844,000 | 5,600 |
| Average equity | $6,268,000 | 5,820 |
| Average total loans | $49,455,750 | 5,030 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7751% | 1,383 |
| Cost of funding earning assets | 0.3422% | 5,473 |
| Net interest margin | 4.4329% | 797 |
| Noninterest income to average assets | 0.9718% | 1,603 |
| Noninterest expense to average assets | 3.8604% | 1,026 |
| Loan and lease loss provision to assets | 0.2683% | 1,380 |
| Net operating income to assets | 0.5634% | 4,486 |
| Return on assets (ROA) | 0.5634% | 4,654 |
| Pretax return on assets | 0.8973% | 3,922 |
| Return on Equity (ROE) | 6.0105% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.6254% | 4,004 |
| Net charge-offs to loans | 0.0202% | 4,441 |
| Credit loss provision to net charge-offs | 1,800.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 78.2000% | 580 |
| Efficiency ratio | 76.8090% | 2,663 |
| Assets per employee ($millions) | 2.7107% | 6,279 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,269 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9837% | 1,890 |
| Loan loss allowance to noncurrent loans | 6,560.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 2.0541% | 2,106 |
| Noncurrent loans to loans | 0.0302% | 6,319 |
| Net loans and leases to total assets | 71.7448% | 1,619 |
| Net loans and leases to deposits | 79.1573% | 2,439 |
| Net loans and leases to core deposits | 79.5966% | 3,072 |
| Total domestic deposits to total assets | 90.6357% | 689 |
| Equity capital to assets | 9.1784% | 5,020 |
| Core capital (leverage) ratio | 9.3604% | 4,454 |
| Tier 1 risk-based capital ratio | 12.6151% | 5,418 |
| Total risk-based capital ratio | 13.8742% | 5,352 |
| Memoranda: |
| Average total assets | $67,092,000 | 5,654 |
| Average earning assets | $61,360,000 | 5,655 |
| Average equity | $6,289,000 | 5,859 |
| Average total loans | $49,548,330 | 5,042 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7685% | 1,357 |
| Cost of funding earning assets | 0.3491% | 5,542 |
| Net interest margin | 4.4194% | 778 |
| Noninterest income to average assets | 1.1505% | 1,135 |
| Noninterest expense to average assets | 3.6792% | 1,282 |
| Loan and lease loss provision to assets | 0.2696% | 1,315 |
| Net operating income to assets | 0.7850% | 3,245 |
| Return on assets (ROA) | 0.7850% | 3,375 |
| Pretax return on assets | 1.2224% | 2,501 |
| Return on Equity (ROE) | 8.2866% | 2,826 |
| Retained earnings to average equity (ytd only) | 3.5423% | 4,116 |
| Net charge-offs to loans | 0.0242% | 3,692 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 451 |
| Efficiency ratio | 71.1472% | 3,767 |
| Assets per employee ($millions) | 2.6981% | 6,402 |
| Cash dividends to net income (ytd only)* | 57.2519% | 1,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9509% | 2,170 |
| Loan loss allowance to noncurrent loans | 1,069.3182% | 450 |
| Noncurrent assets plus other real estate owned to assets | 3.2897% | 1,329 |
| Noncurrent loans to loans | 0.1824% | 5,947 |
| Net loans and leases to total assets | 70.1110% | 1,639 |
| Net loans and leases to deposits | 77.5330% | 2,413 |
| Net loans and leases to core deposits | 78.1208% | 3,047 |
| Total domestic deposits to total assets | 90.4274% | 806 |
| Equity capital to assets | 9.4125% | 4,983 |
| Core capital (leverage) ratio | 9.3671% | 4,292 |
| Tier 1 risk-based capital ratio | 12.4564% | 5,606 |
| Total risk-based capital ratio | 13.7130% | 5,549 |
| Memoranda: |
| Average total assets | $66,754,000 | 5,715 |
| Average earning assets | $60,732,000 | 5,721 |
| Average equity | $6,323,500 | 5,906 |
| Average total loans | $49,520,500 | 5,073 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1159% | 1,271 |
| Cost of funding earning assets | 0.4261% | 5,744 |
| Net interest margin | 4.6898% | 661 |
| Noninterest income to average assets | 3.0349% | 250 |
| Noninterest expense to average assets | 6.5041% | 181 |
| Loan and lease loss provision to assets | 0.5391% | 1,068 |
| Net operating income to assets | 0.1661% | 5,851 |
| Return on assets (ROA) | 0.2363% | 5,873 |
| Pretax return on assets | 0.3574% | 5,692 |
| Return on Equity (ROE) | 2.5770% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.5770% | 4,411 |
| Net charge-offs to loans | 1.0268% | 1,052 |
| Credit loss provision to net charge-offs | 68.9981% | 4,205 |
| Earnings coverage of net charge-offs (x) | 1.0113% | 4,966 |
| Efficiency ratio | 89.1678% | 1,135 |
| Assets per employee ($millions) | 2.5406% | 6,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7714% | 2,682 |
| Loan loss allowance to noncurrent loans | 15,000.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 3.2503% | 1,420 |
| Noncurrent loans to loans | 0.0118% | 6,523 |
| Net loans and leases to total assets | 75.5552% | 980 |
| Net loans and leases to deposits | 83.6639% | 1,795 |
| Net loans and leases to core deposits | 84.3098% | 2,512 |
| Total domestic deposits to total assets | 90.3081% | 795 |
| Equity capital to assets | 9.5345% | 4,827 |
| Core capital (leverage) ratio | 9.5214% | 4,075 |
| Tier 1 risk-based capital ratio | 11.6462% | 6,002 |
| Total risk-based capital ratio | 12.9021% | 5,957 |
| Memoranda: |
| Average total assets | $67,711,400 | 5,685 |
| Average earning assets | $61,494,800 | 5,688 |
| Average equity | $6,208,800 | 5,969 |
| Average total loans | $51,521,200 | 5,044 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0392% | 1,582 |
| Cost of funding earning assets | 0.4465% | 5,820 |
| Net interest margin | 4.5926% | 833 |
| Noninterest income to average assets | 2.9846% | 246 |
| Noninterest expense to average assets | 6.5446% | 169 |
| Loan and lease loss provision to assets | 0.6361% | 835 |
| Net operating income to assets | -0.0192% | 6,307 |
| Return on assets (ROA) | 0.0724% | 6,312 |
| Pretax return on assets | 0.1116% | 6,255 |
| Return on Equity (ROE) | 0.7974% | 6,284 |
| Retained earnings to average equity (ytd only) | 0.7974% | 5,840 |
| Net charge-offs to loans | 1.3075% | 723 |
| Credit loss provision to net charge-offs | 64.1026% | 4,045 |
| Earnings coverage of net charge-offs (x) | 0.6114% | 5,014 |
| Efficiency ratio | 91.5161% | 918 |
| Assets per employee ($millions) | 1.5325% | 7,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6678% | 3,269 |
| Loan loss allowance to noncurrent loans | 339.2308% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 3.8247% | 1,283 |
| Noncurrent loans to loans | 0.4916% | 5,464 |
| Net loans and leases to total assets | 77.1188% | 841 |
| Net loans and leases to deposits | 91.0894% | 1,043 |
| Net loans and leases to core deposits | 91.8228% | 1,795 |
| Total domestic deposits to total assets | 84.6628% | 3,910 |
| Equity capital to assets | 9.1605% | 5,641 |
| Core capital (leverage) ratio | 9.0367% | 5,005 |
| Tier 1 risk-based capital ratio | 11.3617% | 6,322 |
| Total risk-based capital ratio | 12.6163% | 6,280 |
| Memoranda: |
| Average total assets | $68,125,500 | 5,741 |
| Average earning assets | $61,807,750 | 5,741 |
| Average equity | $6,186,500 | 6,040 |
| Average total loans | $51,699,500 | 5,091 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9060% | 2,085 |
| Cost of funding earning assets | 0.4646% | 5,875 |
| Net interest margin | 4.4413% | 1,101 |
| Noninterest income to average assets | 2.7737% | 266 |
| Noninterest expense to average assets | 6.2057% | 204 |
| Loan and lease loss provision to assets | 0.1902% | 3,197 |
| Net operating income to assets | 0.2689% | 5,706 |
| Return on assets (ROA) | 0.4038% | 5,437 |
| Pretax return on assets | 0.6437% | 4,983 |
| Return on Equity (ROE) | 4.4590% | 5,061 |
| Retained earnings to average equity (ytd only) | 4.4590% | 3,639 |
| Net charge-offs to loans | 0.4249% | 2,336 |
| Credit loss provision to net charge-offs | 59.6330% | 3,807 |
| Earnings coverage of net charge-offs (x) | 1.9541% | 3,997 |
| Efficiency ratio | 90.8740% | 1,011 |
| Assets per employee ($millions) | 1.4801% | 7,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9760% | 2,294 |
| Loan loss allowance to noncurrent loans | 99.8043% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 5.2468% | 883 |
| Noncurrent loans to loans | 1.9799% | 2,966 |
| Net loans and leases to total assets | 77.6967% | 761 |
| Net loans and leases to deposits | 89.2164% | 1,229 |
| Net loans and leases to core deposits | 89.9380% | 1,991 |
| Total domestic deposits to total assets | 87.0879% | 2,726 |
| Equity capital to assets | 9.6353% | 4,859 |
| Core capital (leverage) ratio | 9.5245% | 4,111 |
| Tier 1 risk-based capital ratio | 12.0694% | 5,879 |
| Total risk-based capital ratio | 13.3274% | 5,859 |
| Memoranda: |
| Average total assets | $68,357,000 | 5,768 |
| Average earning assets | $62,414,000 | 5,753 |
| Average equity | $6,189,670 | 6,065 |
| Average total loans | $51,304,670 | 5,134 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8453% | 2,457 |
| Cost of funding earning assets | 0.4783% | 5,954 |
| Net interest margin | 4.3670% | 1,298 |
| Noninterest income to average assets | 2.4066% | 316 |
| Noninterest expense to average assets | 5.8423% | 220 |
| Loan and lease loss provision to assets | 0.0286% | 5,007 |
| Net operating income to assets | 0.3425% | 5,501 |
| Return on assets (ROA) | 0.6059% | 4,535 |
| Pretax return on assets | 0.9661% | 3,809 |
| Return on Equity (ROE) | 6.8977% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.8977% | 2,481 |
| Net charge-offs to loans | -0.4458% | 7,131 |
| Credit loss provision to net charge-offs | -8.7719% | 5,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9253% | 1,023 |
| Assets per employee ($millions) | 1.3592% | 7,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2555% | 1,767 |
| Loan loss allowance to noncurrent loans | 254.7511% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 2.9640% | 1,954 |
| Noncurrent loans to loans | 0.8854% | 4,898 |
| Net loans and leases to total assets | 73.2699% | 1,173 |
| Net loans and leases to deposits | 80.9439% | 2,067 |
| Net loans and leases to core deposits | 81.5567% | 2,888 |
| Total domestic deposits to total assets | 90.5194% | 793 |
| Equity capital to assets | 9.2073% | 5,223 |
| Core capital (leverage) ratio | 8.8865% | 5,008 |
| Tier 1 risk-based capital ratio | 11.6924% | 6,161 |
| Total risk-based capital ratio | 12.9533% | 6,136 |
| Memoranda: |
| Average total assets | $69,973,000 | 5,780 |
| Average earning assets | $64,392,500 | 5,743 |
| Average equity | $6,147,000 | 6,110 |
| Average total loans | $51,147,000 | 5,180 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2967% | 1,710 |
| Cost of funding earning assets | 0.6490% | 5,834 |
| Net interest margin | 4.6478% | 837 |
| Noninterest income to average assets | 2.3938% | 283 |
| Noninterest expense to average assets | 5.9428% | 216 |
| Loan and lease loss provision to assets | 1.9924% | 300 |
| Net operating income to assets | -0.8027% | 6,656 |
| Return on assets (ROA) | -0.8027% | 6,688 |
| Pretax return on assets | -1.2198% | 6,821 |
| Return on Equity (ROE) | -7.9557% | 6,675 |
| Retained earnings to average equity (ytd only) | -8.3108% | 6,635 |
| Net charge-offs to loans | 2.1849% | 592 |
| Credit loss provision to net charge-offs | 117.1019% | 2,753 |
| Earnings coverage of net charge-offs (x) | 0.4541% | 5,478 |
| Efficiency ratio | 85.9125% | 1,575 |
| Assets per employee ($millions) | 1.5281% | 7,255 |
| Cash dividends to net income (ytd only)* | -4.4643% | 7,256 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0317% | 2,180 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 5,382 |
| Noncurrent loans to loans | 0.7256% | 5,246 |
| Net loans and leases to total assets | 69.9511% | 2,042 |
| Net loans and leases to deposits | 76.5342% | 3,085 |
| Net loans and leases to core deposits | 80.2638% | 3,426 |
| Total domestic deposits to total assets | 91.3984% | 364 |
| Equity capital to assets | 8.4012% | 6,245 |
| Core capital (leverage) ratio | 8.5099% | 5,541 |
| Tier 1 risk-based capital ratio | 11.2711% | 6,306 |
| Total risk-based capital ratio | 12.5132% | 6,283 |
| Memoranda: |
| Average total assets | $69,764,800 | 5,747 |
| Average earning assets | $64,870,000 | 5,707 |
| Average equity | $7,039,000 | 5,855 |
| Average total loans | $54,327,800 | 5,103 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3632% | 1,640 |
| Cost of funding earning assets | 0.6852% | 5,851 |
| Net interest margin | 4.6779% | 802 |
| Noninterest income to average assets | 2.2845% | 308 |
| Noninterest expense to average assets | 5.8312% | 220 |
| Loan and lease loss provision to assets | 1.4520% | 485 |
| Net operating income to assets | -0.4298% | 6,601 |
| Return on assets (ROA) | -0.4298% | 6,649 |
| Pretax return on assets | -0.6505% | 6,709 |
| Return on Equity (ROE) | -4.0780% | 6,634 |
| Retained earnings to average equity (ytd only) | -4.5373% | 6,565 |
| Net charge-offs to loans | 1.6783% | 826 |
| Credit loss provision to net charge-offs | 108.6957% | 3,035 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 5,174 |
| Efficiency ratio | 85.5225% | 1,580 |
| Assets per employee ($millions) | 1.5608% | 7,332 |
| Cash dividends to net income (ytd only)* | -11.2605% | 7,353 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6468% | 3,455 |
| Loan loss allowance to noncurrent loans | 153.5000% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 1.7688% | 3,446 |
| Noncurrent loans to loans | 1.0728% | 4,768 |
| Net loans and leases to total assets | 76.6111% | 891 |
| Net loans and leases to deposits | 85.4290% | 1,769 |
| Net loans and leases to core deposits | 89.7705% | 2,283 |
| Total domestic deposits to total assets | 89.6781% | 1,051 |
| Equity capital to assets | 9.9570% | 4,400 |
| Core capital (leverage) ratio | 10.1347% | 3,263 |
| Tier 1 risk-based capital ratio | 12.4192% | 5,559 |
| Total risk-based capital ratio | 13.6252% | 5,588 |
| Memoranda: |
| Average total assets | $68,869,250 | 5,818 |
| Average earning assets | $64,015,500 | 5,773 |
| Average equity | $7,258,250 | 5,827 |
| Average total loans | $54,817,000 | 5,127 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3946% | 1,583 |
| Cost of funding earning assets | 0.7233% | 5,815 |
| Net interest margin | 4.6713% | 780 |
| Noninterest income to average assets | 2.3390% | 296 |
| Noninterest expense to average assets | 5.8268% | 214 |
| Loan and lease loss provision to assets | 1.6791% | 403 |
| Net operating income to assets | -0.5067% | 6,694 |
| Return on assets (ROA) | -0.5067% | 6,719 |
| Pretax return on assets | -0.8101% | 6,828 |
| Return on Equity (ROE) | -4.7158% | 6,692 |
| Retained earnings to average equity (ytd only) | -5.4012% | 6,596 |
| Net charge-offs to loans | 2.4354% | 496 |
| Credit loss provision to net charge-offs | 85.9729% | 3,588 |
| Earnings coverage of net charge-offs (x) | 0.4449% | 4,969 |
| Efficiency ratio | 84.6458% | 1,746 |
| Assets per employee ($millions) | 1.5747% | 7,395 |
| Cash dividends to net income (ytd only)* | -14.5349% | 7,451 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4272% | 4,452 |
| Loan loss allowance to noncurrent loans | 281.3187% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 1.3558% | 4,198 |
| Noncurrent loans to loans | 0.5073% | 5,886 |
| Net loans and leases to total assets | 78.3370% | 731 |
| Net loans and leases to deposits | 87.9358% | 1,509 |
| Net loans and leases to core deposits | 92.7210% | 2,050 |
| Total domestic deposits to total assets | 89.0843% | 1,488 |
| Equity capital to assets | 10.6026% | 3,377 |
| Core capital (leverage) ratio | 10.3229% | 2,908 |
| Tier 1 risk-based capital ratio | 12.4245% | 5,420 |
| Total risk-based capital ratio | 13.6751% | 5,401 |
| Memoranda: |
| Average total assets | $67,892,670 | 5,890 |
| Average earning assets | $63,323,000 | 5,843 |
| Average equity | $7,294,670 | 5,839 |
| Average total loans | $54,447,000 | 5,190 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2725% | 1,969 |
| Cost of funding earning assets | 0.7335% | 5,958 |
| Net interest margin | 4.5390% | 987 |
| Noninterest income to average assets | 2.0711% | 343 |
| Noninterest expense to average assets | 5.4601% | 268 |
| Loan and lease loss provision to assets | 0.9414% | 836 |
| Net operating income to assets | -0.0412% | 6,401 |
| Return on assets (ROA) | -0.0412% | 6,419 |
| Pretax return on assets | -0.0706% | 6,425 |
| Return on Equity (ROE) | -0.3808% | 6,421 |
| Retained earnings to average equity (ytd only) | -1.7409% | 6,106 |
| Net charge-offs to loans | 1.3293% | 1,039 |
| Credit loss provision to net charge-offs | 87.9121% | 2,973 |
| Earnings coverage of net charge-offs (x) | 0.8132% | 4,032 |
| Efficiency ratio | 83.7361% | 1,987 |
| Assets per employee ($millions) | 1.5067% | 7,471 |
| Cash dividends to net income (ytd only)* | -357.1429% | 7,555 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5355% | 4,025 |
| Loan loss allowance to noncurrent loans | 63.7054% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.9424% | 3,378 |
| Noncurrent loans to loans | 2.4103% | 3,078 |
| Net loans and leases to total assets | 79.3505% | 584 |
| Net loans and leases to deposits | 89.2950% | 1,319 |
| Net loans and leases to core deposits | 94.1582% | 1,867 |
| Total domestic deposits to total assets | 88.8633% | 1,860 |
| Equity capital to assets | 10.8152% | 2,863 |
| Core capital (leverage) ratio | 10.5597% | 2,547 |
| Tier 1 risk-based capital ratio | 13.9565% | 4,101 |
| Total risk-based capital ratio | 15.2118% | 4,072 |
| Memoranda: |
| Average total assets | $67,984,000 | 5,930 |
| Average earning assets | $63,803,000 | 5,868 |
| Average equity | $7,352,500 | 5,824 |
| Average total loans | $54,765,500 | 5,223 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6636% | 1,702 |
| Cost of funding earning assets | 1.0696% | 5,315 |
| Net interest margin | 4.5939% | 1,026 |
| Noninterest income to average assets | 3.1196% | 223 |
| Noninterest expense to average assets | 5.4349% | 312 |
| Loan and lease loss provision to assets | 1.9021% | 714 |
| Net operating income to assets | 0.0289% | 5,754 |
| Return on assets (ROA) | 0.0289% | 5,890 |
| Pretax return on assets | 0.0358% | 5,824 |
| Return on Equity (ROE) | 0.2727% | 5,889 |
| Retained earnings to average equity (ytd only) | -4.9223% | 6,289 |
| Net charge-offs to loans | 2.7305% | 660 |
| Credit loss provision to net charge-offs | 85.2469% | 5,331 |
| Earnings coverage of net charge-offs (x) | 0.8685% | 5,261 |
| Efficiency ratio | 71.6794% | 3,859 |
| Assets per employee ($millions) | 1.6230% | 7,532 |
| Cash dividends to net income (ytd only)* | 1,904.7619% | 6 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5686% | 3,705 |
| Loan loss allowance to noncurrent loans | 59.8332% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.1111% | 3,202 |
| Noncurrent loans to loans | 2.6216% | 2,902 |
| Net loans and leases to total assets | 79.2621% | 763 |
| Net loans and leases to deposits | 89.2481% | 1,614 |
| Net loans and leases to core deposits | 94.0829% | 2,245 |
| Total domestic deposits to total assets | 88.8110% | 1,764 |
| Equity capital to assets | 10.8149% | 2,844 |
| Core capital (leverage) ratio | 10.0826% | 2,989 |
| Tier 1 risk-based capital ratio | 11.6726% | 5,748 |
| Total risk-based capital ratio | 12.9249% | 5,751 |
| Memoranda: |
| Average total assets | $72,605,200 | 5,796 |
| Average earning assets | $67,219,200 | 5,762 |
| Average equity | $7,699,600 | 5,809 |
| Average total loans | $59,330,200 | 5,100 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7309% | 1,605 |
| Cost of funding earning assets | 1.1446% | 5,180 |
| Net interest margin | 4.5863% | 1,074 |
| Noninterest income to average assets | 2.6317% | 259 |
| Noninterest expense to average assets | 4.9776% | 391 |
| Loan and lease loss provision to assets | 0.4703% | 3,122 |
| Net operating income to assets | 0.8863% | 2,666 |
| Return on assets (ROA) | 0.8863% | 2,810 |
| Pretax return on assets | 1.4162% | 1,836 |
| Return on Equity (ROE) | 8.3958% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.3958% | 1,276 |
| Net charge-offs to loans | 0.8361% | 2,367 |
| Credit loss provision to net charge-offs | 68.6016% | 5,455 |
| Earnings coverage of net charge-offs (x) | 2.7520% | 3,768 |
| Efficiency ratio | 70.3294% | 3,999 |
| Assets per employee ($millions) | 1.8872% | 7,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5861% | 3,582 |
| Loan loss allowance to noncurrent loans | 187.2137% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.7119% | 5,686 |
| Noncurrent loans to loans | 0.8472% | 5,530 |
| Net loans and leases to total assets | 82.7016% | 431 |
| Net loans and leases to deposits | 95.2344% | 1,081 |
| Net loans and leases to core deposits | 100.1053% | 1,837 |
| Total domestic deposits to total assets | 86.8400% | 2,620 |
| Equity capital to assets | 11.2402% | 2,740 |
| Core capital (leverage) ratio | 10.9087% | 2,329 |
| Tier 1 risk-based capital ratio | 12.7954% | 4,736 |
| Total risk-based capital ratio | 13.9395% | 4,805 |
| Memoranda: |
| Average total assets | $73,715,250 | 5,838 |
| Average earning assets | $68,027,500 | 5,800 |
| Average equity | $7,781,500 | 5,865 |
| Average total loans | $60,440,250 | 5,129 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7342% | 1,621 |
| Cost of funding earning assets | 1.2385% | 4,904 |
| Net interest margin | 4.4957% | 1,220 |
| Noninterest income to average assets | 1.9145% | 375 |
| Noninterest expense to average assets | 4.5503% | 544 |
| Loan and lease loss provision to assets | 0.5017% | 2,791 |
| Net operating income to assets | 0.6101% | 3,837 |
| Return on assets (ROA) | 0.6101% | 3,970 |
| Pretax return on assets | 0.9871% | 3,165 |
| Return on Equity (ROE) | 5.9073% | 3,845 |
| Retained earnings to average equity (ytd only) | 5.9073% | 2,385 |
| Net charge-offs to loans | 1.2573% | 1,517 |
| Credit loss provision to net charge-offs | 49.0716% | 5,443 |
| Earnings coverage of net charge-offs (x) | 1.4562% | 4,395 |
| Efficiency ratio | 72.9232% | 3,671 |
| Assets per employee ($millions) | 1.9398% | 7,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5261% | 3,790 |
| Loan loss allowance to noncurrent loans | 173.2824% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 5,714 |
| Noncurrent loans to loans | 0.8807% | 5,508 |
| Net loans and leases to total assets | 79.4861% | 881 |
| Net loans and leases to deposits | 89.6488% | 1,921 |
| Net loans and leases to core deposits | 96.6401% | 2,372 |
| Total domestic deposits to total assets | 88.6638% | 1,634 |
| Equity capital to assets | 10.8478% | 3,029 |
| Core capital (leverage) ratio | 10.5365% | 2,597 |
| Tier 1 risk-based capital ratio | 12.8928% | 4,531 |
| Total risk-based capital ratio | 13.9858% | 4,623 |
| Memoranda: |
| Average total assets | $73,753,000 | 5,882 |
| Average earning assets | $67,664,330 | 5,837 |
| Average equity | $7,617,670 | 5,921 |
| Average total loans | $59,970,000 | 5,176 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7782% | 1,529 |
| Cost of funding earning assets | 1.2742% | 4,971 |
| Net interest margin | 4.5040% | 1,130 |
| Noninterest income to average assets | 1.2471% | 794 |
| Noninterest expense to average assets | 4.5870% | 521 |
| Loan and lease loss provision to assets | 0.5964% | 2,127 |
| Net operating income to assets | 0.1247% | 5,947 |
| Return on assets (ROA) | 0.1247% | 6,065 |
| Pretax return on assets | 0.1843% | 5,926 |
| Return on Equity (ROE) | 1.2385% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.2385% | 5,320 |
| Net charge-offs to loans | 0.2325% | 3,535 |
| Credit loss provision to net charge-offs | 314.2857% | 1,257 |
| Earnings coverage of net charge-offs (x) | 4.1143% | 2,704 |
| Efficiency ratio | 82.7273% | 2,173 |
| Assets per employee ($millions) | 1.8377% | 7,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9914% | 2,213 |
| Loan loss allowance to noncurrent loans | 128.6966% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 2.2759% | 3,183 |
| Noncurrent loans to loans | 1.5473% | 4,424 |
| Net loans and leases to total assets | 78.6706% | 1,028 |
| Net loans and leases to deposits | 88.0267% | 2,223 |
| Net loans and leases to core deposits | 94.8515% | 2,723 |
| Total domestic deposits to total assets | 89.3714% | 1,318 |
| Equity capital to assets | 10.1267% | 3,708 |
| Core capital (leverage) ratio | 9.9713% | 3,201 |
| Tier 1 risk-based capital ratio | 12.5835% | 4,656 |
| Total risk-based capital ratio | 13.8441% | 4,613 |
| Memoranda: |
| Average total assets | $73,774,000 | 5,946 |
| Average earning assets | $67,495,500 | 5,919 |
| Average equity | $7,428,500 | 6,043 |
| Average total loans | $60,206,000 | 5,240 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4281% | 777 |
| Cost of funding earning assets | 1.8093% | 3,937 |
| Net interest margin | 4.6188% | 946 |
| Noninterest income to average assets | 1.9969% | 374 |
| Noninterest expense to average assets | 4.6226% | 700 |
| Loan and lease loss provision to assets | 1.5515% | 1,483 |
| Net operating income to assets | -0.0020% | 5,489 |
| Return on assets (ROA) | 0.0080% | 5,512 |
| Pretax return on assets | 0.0106% | 5,415 |
| Return on Equity (ROE) | 0.0799% | 5,509 |
| Retained earnings to average equity (ytd only) | 0.0799% | 4,859 |
| Net charge-offs to loans | 2.1137% | 1,155 |
| Credit loss provision to net charge-offs | 89.0160% | 6,040 |
| Earnings coverage of net charge-offs (x) | 0.8886% | 5,220 |
| Efficiency ratio | 72.5549% | 4,177 |
| Assets per employee ($millions) | 2.1776% | 7,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7913% | 2,573 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 2.6283% | 2,676 |
| Noncurrent loans to loans | 1.3614% | 4,648 |
| Net loans and leases to total assets | 81.4530% | 770 |
| Net loans and leases to deposits | 94.2194% | 1,566 |
| Net loans and leases to core deposits | 110.7058% | 2,821 |
| Total domestic deposits to total assets | 86.4504% | 2,790 |
| Equity capital to assets | 10.0123% | 3,748 |
| Core capital (leverage) ratio | 9.7149% | 3,427 |
| Tier 1 risk-based capital ratio | 11.8817% | 5,045 |
| Total risk-based capital ratio | 13.1387% | 5,004 |
| Memoranda: |
| Average total assets | $75,218,000 | 5,862 |
| Average earning assets | $67,983,000 | 5,871 |
| Average equity | $7,507,200 | 6,085 |
| Average total loans | $62,024,000 | 5,169 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4615% | 820 |
| Cost of funding earning assets | 1.9029% | 3,871 |
| Net interest margin | 4.5586% | 1,065 |
| Noninterest income to average assets | 2.0870% | 340 |
| Noninterest expense to average assets | 4.7090% | 609 |
| Loan and lease loss provision to assets | 1.2448% | 1,554 |
| Net operating income to assets | 0.1632% | 5,278 |
| Return on assets (ROA) | 0.1748% | 5,306 |
| Pretax return on assets | 0.2666% | 5,148 |
| Return on Equity (ROE) | 1.7528% | 5,249 |
| Retained earnings to average equity (ytd only) | 1.7528% | 4,334 |
| Net charge-offs to loans | 0.9092% | 2,153 |
| Credit loss provision to net charge-offs | 166.2736% | 2,827 |
| Earnings coverage of net charge-offs (x) | 1.9953% | 4,326 |
| Efficiency ratio | 73.5838% | 3,942 |
| Assets per employee ($millions) | 2.3808% | 7,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4720% | 1,092 |
| Loan loss allowance to noncurrent loans | 304.3912% | 998 |
| Noncurrent assets plus other real estate owned to assets | 2.1096% | 3,200 |
| Noncurrent loans to loans | 0.8121% | 5,677 |
| Net loans and leases to total assets | 81.5189% | 891 |
| Net loans and leases to deposits | 91.9856% | 2,232 |
| Net loans and leases to core deposits | 108.8999% | 3,354 |
| Total domestic deposits to total assets | 88.6214% | 1,380 |
| Equity capital to assets | 10.1755% | 3,873 |
| Core capital (leverage) ratio | 9.8238% | 3,491 |
| Tier 1 risk-based capital ratio | 12.1471% | 4,843 |
| Total risk-based capital ratio | 13.4139% | 4,777 |
| Memoranda: |
| Average total assets | $75,512,750 | 5,890 |
| Average earning assets | $68,176,500 | 5,903 |
| Average equity | $7,530,750 | 6,138 |
| Average total loans | $62,178,250 | 5,202 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5157% | 793 |
| Cost of funding earning assets | 1.9968% | 3,794 |
| Net interest margin | 4.5190% | 1,124 |
| Noninterest income to average assets | 2.3212% | 291 |
| Noninterest expense to average assets | 4.8421% | 582 |
| Loan and lease loss provision to assets | 0.3943% | 3,552 |
| Net operating income to assets | 0.7255% | 3,151 |
| Return on assets (ROA) | 0.7255% | 3,256 |
| Pretax return on assets | 1.1540% | 2,448 |
| Return on Equity (ROE) | 7.3232% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.3232% | 1,460 |
| Net charge-offs to loans | 0.9240% | 1,861 |
| Credit loss provision to net charge-offs | 52.0833% | 5,738 |
| Earnings coverage of net charge-offs (x) | 2.0451% | 4,061 |
| Efficiency ratio | 73.5500% | 4,102 |
| Assets per employee ($millions) | 2.4013% | 7,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8125% | 2,012 |
| Loan loss allowance to noncurrent loans | 276.5000% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 4,759 |
| Noncurrent loans to loans | 0.6555% | 5,946 |
| Net loans and leases to total assets | 77.9724% | 1,748 |
| Net loans and leases to deposits | 87.2339% | 3,316 |
| Net loans and leases to core deposits | 105.7244% | 3,868 |
| Total domestic deposits to total assets | 89.3831% | 1,090 |
| Equity capital to assets | 9.9896% | 3,953 |
| Core capital (leverage) ratio | 9.7650% | 3,559 |
| Tier 1 risk-based capital ratio | 11.7067% | 5,190 |
| Total risk-based capital ratio | 12.9629% | 5,116 |
| Memoranda: |
| Average total assets | $76,082,000 | 5,915 |
| Average earning assets | $68,511,000 | 5,936 |
| Average equity | $7,537,670 | 6,169 |
| Average total loans | $62,341,000 | 5,245 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3900% | 1,082 |
| Cost of funding earning assets | 2.0164% | 4,053 |
| Net interest margin | 4.3736% | 1,413 |
| Noninterest income to average assets | 2.0607% | 348 |
| Noninterest expense to average assets | 4.6075% | 647 |
| Loan and lease loss provision to assets | 0.3963% | 2,948 |
| Net operating income to assets | 0.6658% | 3,727 |
| Return on assets (ROA) | 0.6658% | 3,903 |
| Pretax return on assets | 1.0568% | 3,157 |
| Return on Equity (ROE) | 6.7483% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.7483% | 2,309 |
| Net charge-offs to loans | 1.6000% | 907 |
| Credit loss provision to net charge-offs | 29.7619% | 4,948 |
| Earnings coverage of net charge-offs (x) | 1.0913% | 4,211 |
| Efficiency ratio | 73.6704% | 3,881 |
| Assets per employee ($millions) | 2.2572% | 7,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6608% | 2,266 |
| Loan loss allowance to noncurrent loans | 142.4566% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3877% | 3,864 |
| Noncurrent loans to loans | 1.1658% | 4,654 |
| Net loans and leases to total assets | 82.3248% | 962 |
| Net loans and leases to deposits | 95.3215% | 2,067 |
| Net loans and leases to core deposits | 116.7381% | 2,714 |
| Total domestic deposits to total assets | 86.3654% | 2,514 |
| Equity capital to assets | 9.8272% | 4,211 |
| Core capital (leverage) ratio | 9.6561% | 3,810 |
| Tier 1 risk-based capital ratio | 11.8209% | 5,100 |
| Total risk-based capital ratio | 13.0779% | 5,008 |
| Memoranda: |
| Average total assets | $75,703,000 | 5,957 |
| Average earning assets | $69,233,000 | 5,941 |
| Average equity | $7,468,500 | 6,233 |
| Average total loans | $63,001,500 | 5,247 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7855% | 1,733 |
| Cost of funding earning assets | 2.4954% | 4,230 |
| Net interest margin | 4.2900% | 2,015 |
| Noninterest income to average assets | 1.5621% | 575 |
| Noninterest expense to average assets | 4.0203% | 1,387 |
| Loan and lease loss provision to assets | 1.5173% | 884 |
| Net operating income to assets | 0.0132% | 6,332 |
| Return on assets (ROA) | 0.0132% | 6,186 |
| Pretax return on assets | -0.0118% | 6,167 |
| Return on Equity (ROE) | 0.1388% | 6,182 |
| Retained earnings to average equity (ytd only) | -2.6365% | 6,023 |
| Net charge-offs to loans | 1.9356% | 566 |
| Credit loss provision to net charge-offs | 93.4360% | 5,585 |
| Earnings coverage of net charge-offs (x) | 0.9271% | 5,670 |
| Efficiency ratio | 70.1596% | 4,321 |
| Assets per employee ($millions) | 2.3331% | 7,510 |
| Cash dividends to net income (ytd only)* | 2,000.0000% | 18 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0144% | 1,194 |
| Loan loss allowance to noncurrent loans | 85.7340% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.4739% | 1,965 |
| Noncurrent loans to loans | 2.3496% | 2,343 |
| Net loans and leases to total assets | 81.0488% | 1,427 |
| Net loans and leases to deposits | 98.0936% | 2,113 |
| Net loans and leases to core deposits | 119.7787% | 2,711 |
| Total domestic deposits to total assets | 82.6239% | 3,938 |
| Equity capital to assets | 9.9049% | 4,154 |
| Core capital (leverage) ratio | 9.5243% | 3,987 |
| Tier 1 risk-based capital ratio | 12.5357% | 4,415 |
| Total risk-based capital ratio | 13.7980% | 4,311 |
| Memoranda: |
| Average total assets | $75,989,400 | 5,835 |
| Average earning assets | $70,209,000 | 5,809 |
| Average equity | $7,206,600 | 6,381 |
| Average total loans | $63,752,800 | 5,110 |
