| 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 | 6.0023% | 632 |
| Cost of funding earning assets | 2.3959% | 465 |
| Net interest margin | 3.6064% | 1,953 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.4512% | 2,437 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.9783% | 2,280 |
| Return on assets (ROA) | 0.9783% | 2,271 |
| Pretax return on assets | 1.3416% | 1,760 |
| Return on Equity (ROE) | 9.9300% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.9278% | 1,030 |
| Net charge-offs to loans | 0.1382% | 728 |
| Credit loss provision to net charge-offs | 214.3302% | 1,173 |
| Earnings coverage of net charge-offs (x) | 13.1293% | 2,120 |
| Efficiency ratio | 60.4551% | 3,023 |
| Assets per employee ($millions) | 8.2964% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4641% | 1,158 |
| Loan loss allowance to noncurrent loans | 124.3867% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0528% | 456 |
| Noncurrent loans to loans | 1.1770% | 612 |
| Net loans and leases to total assets | 88.1300% | 81 |
| Net loans and leases to deposits | 106.8812% | 261 |
| Net loans and leases to core deposits | 132.2702% | 373 |
| Total domestic deposits to total assets | 82.4600% | 3,038 |
| Equity capital to assets | 9.4503% | 2,388 |
| Core capital (leverage) ratio | 9.8951% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4471% | 2,433 |
| Memoranda: |
| Average total assets | $525,703,000 | 1,673 |
| Average earning assets | $505,273,200 | 1,619 |
| Average equity | $51,804,200 | 1,563 |
| Average total loans | $464,414,200 | 1,313 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9339% | 576 |
| Cost of funding earning assets | 2.2141% | 480 |
| Net interest margin | 3.7198% | 1,738 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.5007% | 2,227 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 0.9623% | 2,471 |
| Return on assets (ROA) | 0.9623% | 2,464 |
| Pretax return on assets | 1.3553% | 1,879 |
| Return on Equity (ROE) | 9.6500% | 2,749 |
| Retained earnings to average equity (ytd only) | 9.6533% | 1,506 |
| Net charge-offs to loans | 0.0340% | 1,405 |
| Credit loss provision to net charge-offs | 783.4783% | 474 |
| Earnings coverage of net charge-offs (x) | 53.0870% | 1,275 |
| Efficiency ratio | 61.1320% | 2,829 |
| Assets per employee ($millions) | 8.1579% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5616% | 959 |
| Loan loss allowance to noncurrent loans | 113.9435% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 368 |
| Noncurrent loans to loans | 1.3705% | 554 |
| Net loans and leases to total assets | 87.0100% | 119 |
| Net loans and leases to deposits | 103.6828% | 364 |
| Net loans and leases to core deposits | 122.8202% | 487 |
| Total domestic deposits to total assets | 83.9200% | 2,798 |
| Equity capital to assets | 9.4052% | 2,154 |
| Core capital (leverage) ratio | 9.9767% | 2,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6273% | 2,412 |
| Memoranda: |
| Average total assets | $511,942,250 | 1,708 |
| Average earning assets | $491,555,750 | 1,659 |
| Average equity | $51,034,750 | 1,568 |
| Average total loans | $450,657,000 | 1,341 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7781% | 569 |
| Cost of funding earning assets | 1.9630% | 537 |
| Net interest margin | 3.8151% | 1,593 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.5627% | 2,026 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.0099% | 2,387 |
| Return on assets (ROA) | 1.0099% | 2,384 |
| Pretax return on assets | 1.4226% | 1,755 |
| Return on Equity (ROE) | 9.9200% | 2,722 |
| Retained earnings to average equity (ytd only) | 9.9220% | 1,419 |
| Net charge-offs to loans | 0.0160% | 1,603 |
| Credit loss provision to net charge-offs | 1,717.1429% | 293 |
| Earnings coverage of net charge-offs (x) | 118.3143% | 850 |
| Efficiency ratio | 60.6294% | 2,879 |
| Assets per employee ($millions) | 7.3395% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6052% | 924 |
| Loan loss allowance to noncurrent loans | 122.5610% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1483% | 368 |
| Noncurrent loans to loans | 1.3097% | 539 |
| Net loans and leases to total assets | 86.2700% | 139 |
| Net loans and leases to deposits | 105.9781% | 309 |
| Net loans and leases to core deposits | 125.0610% | 408 |
| Total domestic deposits to total assets | 81.4000% | 3,360 |
| Equity capital to assets | 9.8150% | 1,969 |
| Core capital (leverage) ratio | 10.3707% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0192% | 2,289 |
| Memoranda: |
| Average total assets | $497,677,333 | 1,736 |
| Average earning assets | $477,732,000 | 1,691 |
| Average equity | $50,655,000 | 1,584 |
| Average total loans | $437,428,333 | 1,353 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6125% | 513 |
| Cost of funding earning assets | 1.6288% | 663 |
| Net interest margin | 3.9837% | 1,292 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.6474% | 1,819 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 0.9405% | 2,716 |
| Return on assets (ROA) | 0.9405% | 2,672 |
| Pretax return on assets | 1.3245% | 2,100 |
| Return on Equity (ROE) | 9.0600% | 3,031 |
| Retained earnings to average equity (ytd only) | 9.0631% | 1,932 |
| Net charge-offs to loans | -0.0349% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.7235% | 2,607 |
| Assets per employee ($millions) | 6.8333% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6311% | 945 |
| Loan loss allowance to noncurrent loans | 167.0065% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 528 |
| Noncurrent loans to loans | 0.9766% | 757 |
| Net loans and leases to total assets | 87.1500% | 101 |
| Net loans and leases to deposits | 110.5810% | 174 |
| Net loans and leases to core deposits | 120.5232% | 419 |
| Total domestic deposits to total assets | 78.8100% | 3,910 |
| Equity capital to assets | 10.1772% | 1,730 |
| Core capital (leverage) ratio | 10.8103% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2497% | 2,284 |
| Memoranda: |
| Average total assets | $482,293,500 | 1,784 |
| Average earning assets | $462,680,500 | 1,744 |
| Average equity | $50,049,000 | 1,610 |
| Average total loans | $424,491,000 | 1,406 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6638% | 545 |
| Cost of funding earning assets | 0.5389% | 1,167 |
| Net interest margin | 4.1249% | 627 |
| Noninterest income to average assets | 1.1800% | 488 |
| Noninterest expense to average assets | 2.6922% | 1,576 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.6191% | 657 |
| Return on assets (ROA) | 1.6191% | 628 |
| Pretax return on assets | 2.2497% | 289 |
| Return on Equity (ROE) | 15.8500% | 1,081 |
| Retained earnings to average equity (ytd only) | 12.5852% | 574 |
| Net charge-offs to loans | 0.1424% | 571 |
| Credit loss provision to net charge-offs | 167.9104% | 1,223 |
| Earnings coverage of net charge-offs (x) | 21.1138% | 1,865 |
| Efficiency ratio | 52.4156% | 3,946 |
| Assets per employee ($millions) | 6.3802% | 2,435 |
| Cash dividends to net income (ytd only)* | 20.6082% | 2,874 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7174% | 785 |
| Loan loss allowance to noncurrent loans | 123.2546% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2178% | 312 |
| Noncurrent loans to loans | 1.3934% | 482 |
| Net loans and leases to total assets | 85.9000% | 161 |
| Net loans and leases to deposits | 107.6021% | 204 |
| Net loans and leases to core deposits | 110.8857% | 580 |
| Total domestic deposits to total assets | 79.8300% | 3,903 |
| Equity capital to assets | 10.5916% | 1,412 |
| Core capital (leverage) ratio | 10.9753% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6524% | 2,105 |
| Memoranda: |
| Average total assets | $463,042,400 | 1,824 |
| Average earning assets | $444,573,600 | 1,772 |
| Average equity | $47,293,600 | 1,695 |
| Average total loans | $376,353,200 | 1,471 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3824% | 605 |
| Cost of funding earning assets | 0.4007% | 1,282 |
| Net interest margin | 3.9817% | 660 |
| Noninterest income to average assets | 1.3700% | 396 |
| Noninterest expense to average assets | 2.7213% | 1,417 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.6209% | 628 |
| Return on assets (ROA) | 1.6209% | 609 |
| Pretax return on assets | 2.2830% | 283 |
| Return on Equity (ROE) | 16.0200% | 971 |
| Retained earnings to average equity (ytd only) | 16.0192% | 276 |
| Net charge-offs to loans | 0.0897% | 685 |
| Credit loss provision to net charge-offs | 272.1774% | 859 |
| Earnings coverage of net charge-offs (x) | 34.6452% | 1,449 |
| Efficiency ratio | 52.3434% | 3,981 |
| Assets per employee ($millions) | 6.2949% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8078% | 717 |
| Loan loss allowance to noncurrent loans | 102.3502% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.4797% | 229 |
| Noncurrent loans to loans | 1.7663% | 367 |
| Net loans and leases to total assets | 82.2600% | 364 |
| Net loans and leases to deposits | 96.6336% | 524 |
| Net loans and leases to core deposits | 98.7178% | 869 |
| Total domestic deposits to total assets | 85.1300% | 3,253 |
| Equity capital to assets | 10.3562% | 1,444 |
| Core capital (leverage) ratio | 10.7436% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8412% | 2,118 |
| Memoranda: |
| Average total assets | $462,364,250 | 1,830 |
| Average earning assets | $444,188,750 | 1,783 |
| Average equity | $46,784,250 | 1,728 |
| Average total loans | $368,676,500 | 1,486 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1580% | 691 |
| Cost of funding earning assets | 0.3330% | 1,412 |
| Net interest margin | 3.8249% | 711 |
| Noninterest income to average assets | 1.6374% | 297 |
| Noninterest expense to average assets | 2.7619% | 1,246 |
| Loan and lease loss provision to assets | 0.1951% | 434 |
| Net operating income to assets | 1.6730% | 459 |
| Return on assets (ROA) | 1.6730% | 454 |
| Pretax return on assets | 2.3560% | 203 |
| Return on Equity (ROE) | 16.6658% | 609 |
| Retained earnings to average equity (ytd only) | 16.6658% | 162 |
| Net charge-offs to loans | 0.0924% | 615 |
| Credit loss provision to net charge-offs | 269.4611% | 837 |
| Earnings coverage of net charge-offs (x) | 35.2275% | 1,320 |
| Efficiency ratio | 51.9833% | 4,131 |
| Assets per employee ($millions) | 6.1339% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9165% | 642 |
| Loan loss allowance to noncurrent loans | 200.8137% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 692 |
| Noncurrent loans to loans | 0.9544% | 873 |
| Net loans and leases to total assets | 77.9101% | 562 |
| Net loans and leases to deposits | 91.7852% | 619 |
| Net loans and leases to core deposits | 93.9528% | 915 |
| Total domestic deposits to total assets | 84.8831% | 3,504 |
| Equity capital to assets | 10.4523% | 1,456 |
| Core capital (leverage) ratio | 10.8776% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3614% | 1,911 |
| Memoranda: |
| Average total assets | $461,210,333 | 1,839 |
| Average earning assets | $443,198,000 | 1,807 |
| Average equity | $46,298,333 | 1,788 |
| Average total loans | $361,486,000 | 1,496 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9991% | 774 |
| Cost of funding earning assets | 0.3331% | 1,343 |
| Net interest margin | 3.6660% | 800 |
| Noninterest income to average assets | 2.2777% | 198 |
| Noninterest expense to average assets | 2.8929% | 973 |
| Loan and lease loss provision to assets | 0.1936% | 378 |
| Net operating income to assets | 1.9335% | 250 |
| Return on assets (ROA) | 1.9335% | 253 |
| Pretax return on assets | 2.7234% | 132 |
| Return on Equity (ROE) | 19.6564% | 239 |
| Retained earnings to average equity (ytd only) | 19.6564% | 102 |
| Net charge-offs to loans | 0.0199% | 1,136 |
| Credit loss provision to net charge-offs | 1,250.0000% | 295 |
| Earnings coverage of net charge-offs (x) | 188.3333% | 449 |
| Efficiency ratio | 49.7927% | 4,319 |
| Assets per employee ($millions) | 6.1083% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9634% | 663 |
| Loan loss allowance to noncurrent loans | 186.9767% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 695 |
| Noncurrent loans to loans | 1.0501% | 863 |
| Net loans and leases to total assets | 74.4843% | 624 |
| Net loans and leases to deposits | 88.1789% | 609 |
| Net loans and leases to core deposits | 90.5338% | 899 |
| Total domestic deposits to total assets | 84.4695% | 3,662 |
| Equity capital to assets | 10.1409% | 1,797 |
| Core capital (leverage) ratio | 10.0323% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7192% | 1,911 |
| Memoranda: |
| Average total assets | $464,861,000 | 1,841 |
| Average earning assets | $447,902,500 | 1,799 |
| Average equity | $45,725,500 | 1,860 |
| Average total loans | $361,953,500 | 1,486 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3892% | 150 |
| Cost of funding earning assets | 0.4725% | 1,046 |
| Net interest margin | 4.9166% | 157 |
| Noninterest income to average assets | 2.0773% | 297 |
| Noninterest expense to average assets | 2.8174% | 1,318 |
| Loan and lease loss provision to assets | 0.2499% | 372 |
| Net operating income to assets | 2.6520% | 136 |
| Return on assets (ROA) | 2.6520% | 139 |
| Pretax return on assets | 3.7324% | 91 |
| Return on Equity (ROE) | 30.9216% | 64 |
| Retained earnings to average equity (ytd only) | 24.7219% | 26 |
| Net charge-offs to loans | 0.0212% | 1,845 |
| Credit loss provision to net charge-offs | 1,366.2791% | 417 |
| Earnings coverage of net charge-offs (x) | 217.7209% | 510 |
| Efficiency ratio | 41.4344% | 4,650 |
| Assets per employee ($millions) | 6.4602% | 2,362 |
| Cash dividends to net income (ytd only)* | 20.0497% | 3,019 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7632% | 924 |
| Loan loss allowance to noncurrent loans | 326.9364% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4298% | 1,524 |
| Noncurrent loans to loans | 0.5393% | 1,778 |
| Net loans and leases to total assets | 78.2904% | 366 |
| Net loans and leases to deposits | 92.2438% | 456 |
| Net loans and leases to core deposits | 94.9546% | 734 |
| Total domestic deposits to total assets | 84.8733% | 3,311 |
| Equity capital to assets | 9.5406% | 3,109 |
| Core capital (leverage) ratio | 9.3804% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7599% | 2,338 |
| Memoranda: |
| Average total assets | $470,179,200 | 1,774 |
| Average earning assets | $451,608,800 | 1,734 |
| Average equity | $40,324,600 | 2,075 |
| Average total loans | $405,513,800 | 1,360 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6052% | 132 |
| Cost of funding earning assets | 0.5013% | 1,037 |
| Net interest margin | 5.1039% | 138 |
| Noninterest income to average assets | 2.0379% | 338 |
| Noninterest expense to average assets | 2.8492% | 1,216 |
| Loan and lease loss provision to assets | 0.2697% | 320 |
| Net operating income to assets | 2.7102% | 169 |
| Return on assets (ROA) | 2.7102% | 170 |
| Pretax return on assets | 3.8166% | 97 |
| Return on Equity (ROE) | 32.5174% | 72 |
| Retained earnings to average equity (ytd only) | 24.0050% | 59 |
| Net charge-offs to loans | -0.0090% | 3,633 |
| Credit loss provision to net charge-offs | -3,392.8571% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0819% | 4,688 |
| Assets per employee ($millions) | 6.4020% | 2,333 |
| Cash dividends to net income (ytd only)* | 26.1780% | 2,259 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6616% | 1,193 |
| Loan loss allowance to noncurrent loans | 338.8456% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,812 |
| Noncurrent loans to loans | 0.4904% | 2,082 |
| Net loans and leases to total assets | 82.5169% | 164 |
| Net loans and leases to deposits | 97.1811% | 305 |
| Net loans and leases to core deposits | 101.1716% | 546 |
| Total domestic deposits to total assets | 84.9104% | 3,148 |
| Equity capital to assets | 8.9980% | 3,834 |
| Core capital (leverage) ratio | 9.0632% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0482% | 2,694 |
| Memoranda: |
| Average total assets | $469,824,750 | 1,795 |
| Average earning assets | $450,830,000 | 1,759 |
| Average equity | $39,157,500 | 2,138 |
| Average total loans | $412,931,750 | 1,369 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4969% | 175 |
| Cost of funding earning assets | 0.5375% | 1,001 |
| Net interest margin | 4.9594% | 175 |
| Noninterest income to average assets | 2.1978% | 295 |
| Noninterest expense to average assets | 2.8051% | 1,343 |
| Loan and lease loss provision to assets | 0.2975% | 287 |
| Net operating income to assets | 2.7375% | 164 |
| Return on assets (ROA) | 2.7375% | 166 |
| Pretax return on assets | 3.8555% | 96 |
| Return on Equity (ROE) | 33.7342% | 71 |
| Retained earnings to average equity (ytd only) | 33.7342% | 22 |
| Net charge-offs to loans | -0.0048% | 3,419 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3139% | 4,740 |
| Assets per employee ($millions) | 6.3709% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5705% | 1,354 |
| Loan loss allowance to noncurrent loans | 330.9322% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 1,923 |
| Noncurrent loans to loans | 0.4746% | 2,250 |
| Net loans and leases to total assets | 87.8060% | 46 |
| Net loans and leases to deposits | 103.9630% | 186 |
| Net loans and leases to core deposits | 108.0238% | 415 |
| Total domestic deposits to total assets | 84.4589% | 3,293 |
| Equity capital to assets | 9.3023% | 3,504 |
| Core capital (leverage) ratio | 9.0881% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5565% | 2,527 |
| Memoranda: |
| Average total assets | $470,650,000 | 1,783 |
| Average earning assets | $451,748,000 | 1,754 |
| Average equity | $38,192,667 | 2,165 |
| Average total loans | $419,856,333 | 1,354 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6670% | 156 |
| Cost of funding earning assets | 0.5939% | 896 |
| Net interest margin | 5.0731% | 170 |
| Noninterest income to average assets | 1.7632% | 461 |
| Noninterest expense to average assets | 2.7189% | 1,578 |
| Loan and lease loss provision to assets | 0.3106% | 293 |
| Net operating income to assets | 2.5566% | 242 |
| Return on assets (ROA) | 2.5566% | 265 |
| Pretax return on assets | 3.6009% | 132 |
| Return on Equity (ROE) | 33.7871% | 95 |
| Retained earnings to average equity (ytd only) | 33.7871% | 59 |
| Net charge-offs to loans | 0.0019% | 1,860 |
| Credit loss provision to net charge-offs | 18,750.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 2,361.5000% | 27 |
| Efficiency ratio | 41.0067% | 4,712 |
| Assets per employee ($millions) | 6.8094% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4027% | 1,946 |
| Loan loss allowance to noncurrent loans | 363.7538% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 2,416 |
| Noncurrent loans to loans | 0.3856% | 2,715 |
| Net loans and leases to total assets | 88.4286% | 39 |
| Net loans and leases to deposits | 106.0217% | 168 |
| Net loans and leases to core deposits | 111.1664% | 378 |
| Total domestic deposits to total assets | 83.4062% | 3,587 |
| Equity capital to assets | 8.0915% | 4,438 |
| Core capital (leverage) ratio | 8.2320% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0579% | 2,643 |
| Memoranda: |
| Average total assets | $482,992,500 | 1,743 |
| Average earning assets | $463,386,000 | 1,706 |
| Average equity | $36,546,500 | 2,231 |
| Average total loans | $430,868,500 | 1,329 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7120% | 874 |
| Cost of funding earning assets | 0.9551% | 702 |
| Net interest margin | 3.7569% | 1,623 |
| Noninterest income to average assets | 1.3445% | 645 |
| Noninterest expense to average assets | 2.7661% | 2,026 |
| Loan and lease loss provision to assets | 0.3857% | 835 |
| Net operating income to assets | 1.2994% | 1,253 |
| Return on assets (ROA) | 1.2994% | 1,352 |
| Pretax return on assets | 1.8037% | 682 |
| Return on Equity (ROE) | 18.2527% | 317 |
| Retained earnings to average equity (ytd only) | 18.2527% | 83 |
| Net charge-offs to loans | 0.0816% | 1,659 |
| Credit loss provision to net charge-offs | 534.3750% | 1,200 |
| Earnings coverage of net charge-offs (x) | 30.3344% | 1,603 |
| Efficiency ratio | 55.8190% | 4,006 |
| Assets per employee ($millions) | 7.2453% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2469% | 2,707 |
| Loan loss allowance to noncurrent loans | 351.8424% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 2,734 |
| Noncurrent loans to loans | 0.3544% | 2,932 |
| Net loans and leases to total assets | 87.7324% | 49 |
| Net loans and leases to deposits | 116.2518% | 98 |
| Net loans and leases to core deposits | 123.0926% | 276 |
| Total domestic deposits to total assets | 75.4675% | 4,543 |
| Equity capital to assets | 7.0161% | 4,912 |
| Core capital (leverage) ratio | 7.7366% | 4,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9475% | 2,938 |
| Memoranda: |
| Average total assets | $443,362,200 | 1,724 |
| Average earning assets | $426,147,800 | 1,674 |
| Average equity | $31,562,400 | 2,404 |
| Average total loans | $392,378,400 | 1,383 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6220% | 1,248 |
| Cost of funding earning assets | 1.0340% | 679 |
| Net interest margin | 3.5880% | 2,314 |
| Noninterest income to average assets | 1.2313% | 720 |
| Noninterest expense to average assets | 2.8311% | 1,879 |
| Loan and lease loss provision to assets | 0.3753% | 982 |
| Net operating income to assets | 1.0465% | 2,164 |
| Return on assets (ROA) | 1.0465% | 2,289 |
| Pretax return on assets | 1.4743% | 1,504 |
| Return on Equity (ROE) | 14.6391% | 756 |
| Retained earnings to average equity (ytd only) | 14.6391% | 218 |
| Net charge-offs to loans | 0.0798% | 1,508 |
| Credit loss provision to net charge-offs | 532.1586% | 1,242 |
| Earnings coverage of net charge-offs (x) | 26.2291% | 1,700 |
| Efficiency ratio | 60.4858% | 3,311 |
| Assets per employee ($millions) | 7.7773% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0494% | 3,464 |
| Loan loss allowance to noncurrent loans | 292.9183% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 2,835 |
| Noncurrent loans to loans | 0.3582% | 3,005 |
| Net loans and leases to total assets | 90.1254% | 36 |
| Net loans and leases to deposits | 131.4334% | 53 |
| Net loans and leases to core deposits | 140.0350% | 163 |
| Total domestic deposits to total assets | 68.5711% | 4,800 |
| Equity capital to assets | 6.0754% | 5,003 |
| Core capital (leverage) ratio | 7.1995% | 4,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0426% | 3,089 |
| Memoranda: |
| Average total assets | $429,221,500 | 1,748 |
| Average earning assets | $412,621,500 | 1,698 |
| Average equity | $30,684,250 | 2,435 |
| Average total loans | $379,439,500 | 1,417 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8434% | 1,068 |
| Cost of funding earning assets | 1.1737% | 554 |
| Net interest margin | 3.6697% | 2,270 |
| Noninterest income to average assets | 1.4250% | 518 |
| Noninterest expense to average assets | 3.0639% | 1,433 |
| Loan and lease loss provision to assets | 0.3330% | 1,283 |
| Net operating income to assets | 1.0935% | 1,990 |
| Return on assets (ROA) | 1.0935% | 2,110 |
| Pretax return on assets | 1.5454% | 1,351 |
| Return on Equity (ROE) | 14.3187% | 824 |
| Retained earnings to average equity (ytd only) | 14.3187% | 257 |
| Net charge-offs to loans | 0.1318% | 1,056 |
| Credit loss provision to net charge-offs | 289.8230% | 1,649 |
| Earnings coverage of net charge-offs (x) | 16.3496% | 1,864 |
| Efficiency ratio | 61.9934% | 3,126 |
| Assets per employee ($millions) | 7.5771% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0652% | 3,256 |
| Loan loss allowance to noncurrent loans | 267.3481% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 2,881 |
| Noncurrent loans to loans | 0.3984% | 2,978 |
| Net loans and leases to total assets | 87.6660% | 71 |
| Net loans and leases to deposits | 119.3977% | 98 |
| Net loans and leases to core deposits | 128.4447% | 279 |
| Total domestic deposits to total assets | 73.4236% | 4,627 |
| Equity capital to assets | 6.4656% | 5,017 |
| Core capital (leverage) ratio | 7.2634% | 4,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1640% | 3,143 |
| Memoranda: |
| Average total assets | $393,416,333 | 1,839 |
| Average earning assets | $377,092,333 | 1,800 |
| Average equity | $30,044,667 | 2,459 |
| Average total loans | $342,994,333 | 1,504 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2037% | 657 |
| Cost of funding earning assets | 1.3885% | 418 |
| Net interest margin | 3.8152% | 1,917 |
| Noninterest income to average assets | 1.2277% | 585 |
| Noninterest expense to average assets | 3.2181% | 1,388 |
| Loan and lease loss provision to assets | 0.2623% | 1,189 |
| Net operating income to assets | 0.9872% | 2,223 |
| Return on assets (ROA) | 0.9872% | 2,321 |
| Pretax return on assets | 1.3922% | 1,587 |
| Return on Equity (ROE) | 11.6774% | 1,202 |
| Retained earnings to average equity (ytd only) | 11.6774% | 461 |
| Net charge-offs to loans | 0.1348% | 920 |
| Credit loss provision to net charge-offs | 225.7426% | 1,345 |
| Earnings coverage of net charge-offs (x) | 14.2376% | 1,606 |
| Efficiency ratio | 66.0449% | 2,954 |
| Assets per employee ($millions) | 5.1978% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3825% | 1,764 |
| Loan loss allowance to noncurrent loans | 251.3228% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 2,533 |
| Noncurrent loans to loans | 0.5501% | 2,622 |
| Net loans and leases to total assets | 87.5684% | 76 |
| Net loans and leases to deposits | 108.7082% | 208 |
| Net loans and leases to core deposits | 119.9730% | 465 |
| Total domestic deposits to total assets | 80.5536% | 3,754 |
| Equity capital to assets | 8.5683% | 4,804 |
| Core capital (leverage) ratio | 8.6514% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7034% | 3,364 |
| Memoranda: |
| Average total assets | $347,656,000 | 1,968 |
| Average earning assets | $332,146,500 | 1,925 |
| Average equity | $29,390,000 | 2,494 |
| Average total loans | $299,640,500 | 1,648 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3370% | 765 |
| Cost of funding earning assets | 1.5415% | 350 |
| Net interest margin | 3.7955% | 2,508 |
| Noninterest income to average assets | 1.1856% | 671 |
| Noninterest expense to average assets | 3.2942% | 1,308 |
| Loan and lease loss provision to assets | 0.2315% | 823 |
| Net operating income to assets | 0.8810% | 3,281 |
| Return on assets (ROA) | 0.8810% | 3,363 |
| Pretax return on assets | 1.2610% | 2,638 |
| Return on Equity (ROE) | 10.5377% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.5377% | 393 |
| Net charge-offs to loans | 0.0529% | 2,351 |
| Credit loss provision to net charge-offs | 510.2041% | 576 |
| Earnings coverage of net charge-offs (x) | 32.8912% | 1,486 |
| Efficiency ratio | 68.8205% | 2,340 |
| Assets per employee ($millions) | 5.1800% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4301% | 1,422 |
| Loan loss allowance to noncurrent loans | 237.5716% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 2,405 |
| Noncurrent loans to loans | 0.6020% | 2,381 |
| Net loans and leases to total assets | 82.3775% | 505 |
| Net loans and leases to deposits | 97.2416% | 821 |
| Net loans and leases to core deposits | 107.1854% | 1,028 |
| Total domestic deposits to total assets | 84.7143% | 2,601 |
| Equity capital to assets | 8.3389% | 4,974 |
| Core capital (leverage) ratio | 8.5845% | 4,795 |
| Tier 1 risk-based capital ratio | 9.6817% | 5,150 |
| Total risk-based capital ratio | 10.9331% | 5,128 |
| Memoranda: |
| Average total assets | $323,959,800 | 2,016 |
| Average earning assets | $307,365,200 | 1,982 |
| Average equity | $27,083,800 | 2,556 |
| Average total loans | $277,676,400 | 1,698 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3974% | 701 |
| Cost of funding earning assets | 1.5587% | 344 |
| Net interest margin | 3.8386% | 2,470 |
| Noninterest income to average assets | 1.1888% | 648 |
| Noninterest expense to average assets | 3.3045% | 1,259 |
| Loan and lease loss provision to assets | 0.2506% | 650 |
| Net operating income to assets | 0.8997% | 3,349 |
| Return on assets (ROA) | 0.8997% | 3,422 |
| Pretax return on assets | 1.2672% | 2,758 |
| Return on Equity (ROE) | 10.7538% | 2,120 |
| Retained earnings to average equity (ytd only) | 10.7538% | 571 |
| Net charge-offs to loans | 0.0495% | 2,127 |
| Credit loss provision to net charge-offs | 586.2745% | 554 |
| Earnings coverage of net charge-offs (x) | 35.5089% | 1,466 |
| Efficiency ratio | 68.5262% | 2,334 |
| Assets per employee ($millions) | 5.1754% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4291% | 1,470 |
| Loan loss allowance to noncurrent loans | 270.4819% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4715% | 2,645 |
| Noncurrent loans to loans | 0.5284% | 2,703 |
| Net loans and leases to total assets | 82.8548% | 474 |
| Net loans and leases to deposits | 97.9853% | 819 |
| Net loans and leases to core deposits | 108.2054% | 1,043 |
| Total domestic deposits to total assets | 84.5585% | 2,603 |
| Equity capital to assets | 8.4011% | 5,033 |
| Core capital (leverage) ratio | 8.6854% | 4,849 |
| Tier 1 risk-based capital ratio | 9.7636% | 5,213 |
| Total risk-based capital ratio | 11.0153% | 5,190 |
| Memoranda: |
| Average total assets | $318,184,250 | 2,059 |
| Average earning assets | $301,176,000 | 2,027 |
| Average equity | $26,619,500 | 2,602 |
| Average total loans | $274,583,250 | 1,726 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4093% | 667 |
| Cost of funding earning assets | 1.5365% | 336 |
| Net interest margin | 3.8728% | 2,333 |
| Noninterest income to average assets | 1.0522% | 781 |
| Noninterest expense to average assets | 3.2648% | 1,349 |
| Loan and lease loss provision to assets | 0.2627% | 574 |
| Net operating income to assets | 0.8375% | 3,514 |
| Return on assets (ROA) | 0.8375% | 3,572 |
| Pretax return on assets | 1.1797% | 2,973 |
| Return on Equity (ROE) | 10.0260% | 2,370 |
| Retained earnings to average equity (ytd only) | 10.0260% | 746 |
| Net charge-offs to loans | 0.0272% | 2,309 |
| Credit loss provision to net charge-offs | 1,108.1081% | 315 |
| Earnings coverage of net charge-offs (x) | 60.8378% | 972 |
| Efficiency ratio | 69.3575% | 2,323 |
| Assets per employee ($millions) | 4.9370% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4044% | 1,596 |
| Loan loss allowance to noncurrent loans | 191.2152% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 2,048 |
| Noncurrent loans to loans | 0.7344% | 2,153 |
| Net loans and leases to total assets | 85.7152% | 236 |
| Net loans and leases to deposits | 103.2693% | 458 |
| Net loans and leases to core deposits | 115.1024% | 725 |
| Total domestic deposits to total assets | 83.0017% | 3,206 |
| Equity capital to assets | 8.4454% | 5,064 |
| Core capital (leverage) ratio | 8.7006% | 4,842 |
| Tier 1 risk-based capital ratio | 9.5094% | 5,277 |
| Total risk-based capital ratio | 10.7606% | 5,257 |
| Memoranda: |
| Average total assets | $312,113,000 | 2,103 |
| Average earning assets | $294,566,330 | 2,074 |
| Average equity | $26,072,330 | 2,630 |
| Average total loans | $271,856,670 | 1,746 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3412% | 703 |
| Cost of funding earning assets | 1.4991% | 325 |
| Net interest margin | 3.8421% | 2,372 |
| Noninterest income to average assets | 1.0399% | 741 |
| Noninterest expense to average assets | 3.3758% | 1,148 |
| Loan and lease loss provision to assets | 0.2886% | 460 |
| Net operating income to assets | 0.7123% | 3,895 |
| Return on assets (ROA) | 0.7123% | 3,941 |
| Pretax return on assets | 1.0035% | 3,425 |
| Return on Equity (ROE) | 8.5767% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.5767% | 1,458 |
| Net charge-offs to loans | 0.0313% | 1,822 |
| Credit loss provision to net charge-offs | 1,057.1429% | 355 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 1,056 |
| Efficiency ratio | 72.3197% | 1,985 |
| Assets per employee ($millions) | 4.9749% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3722% | 1,775 |
| Loan loss allowance to noncurrent loans | 179.4921% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 1,949 |
| Noncurrent loans to loans | 0.7645% | 2,118 |
| Net loans and leases to total assets | 85.9042% | 197 |
| Net loans and leases to deposits | 101.3903% | 537 |
| Net loans and leases to core deposits | 119.8736% | 533 |
| Total domestic deposits to total assets | 84.7262% | 2,779 |
| Equity capital to assets | 8.2898% | 5,089 |
| Core capital (leverage) ratio | 8.6003% | 4,945 |
| Tier 1 risk-based capital ratio | 9.4752% | 5,333 |
| Total risk-based capital ratio | 10.7265% | 5,318 |
| Memoranda: |
| Average total assets | $307,715,500 | 2,151 |
| Average earning assets | $290,573,000 | 2,111 |
| Average equity | $25,557,500 | 2,675 |
| Average total loans | $268,292,500 | 1,764 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1899% | 714 |
| Cost of funding earning assets | 1.2446% | 281 |
| Net interest margin | 3.9453% | 2,178 |
| Noninterest income to average assets | 1.3923% | 469 |
| Noninterest expense to average assets | 3.5395% | 949 |
| Loan and lease loss provision to assets | 0.3396% | 455 |
| Net operating income to assets | 0.8795% | 3,498 |
| Return on assets (ROA) | 0.8795% | 3,492 |
| Pretax return on assets | 1.2245% | 2,795 |
| Return on Equity (ROE) | 10.3265% | 2,383 |
| Retained earnings to average equity (ytd only) | 10.3265% | 562 |
| Net charge-offs to loans | 0.1478% | 1,296 |
| Credit loss provision to net charge-offs | 261.6901% | 1,149 |
| Earnings coverage of net charge-offs (x) | 12.0535% | 2,571 |
| Efficiency ratio | 69.3525% | 2,318 |
| Assets per employee ($millions) | 5.2071% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3449% | 1,854 |
| Loan loss allowance to noncurrent loans | 165.5768% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.1344% | 1,170 |
| Noncurrent loans to loans | 0.8122% | 1,980 |
| Net loans and leases to total assets | 86.1071% | 227 |
| Net loans and leases to deposits | 108.4205% | 289 |
| Net loans and leases to core deposits | 130.8258% | 302 |
| Total domestic deposits to total assets | 79.4196% | 4,232 |
| Equity capital to assets | 8.3219% | 5,033 |
| Core capital (leverage) ratio | 8.8422% | 4,779 |
| Tier 1 risk-based capital ratio | 9.3348% | 5,373 |
| Total risk-based capital ratio | 10.5855% | 5,365 |
| Memoranda: |
| Average total assets | $273,572,200 | 2,304 |
| Average earning assets | $257,345,000 | 2,284 |
| Average equity | $23,299,200 | 2,788 |
| Average total loans | $240,186,200 | 1,879 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1377% | 706 |
| Cost of funding earning assets | 1.2003% | 257 |
| Net interest margin | 3.9374% | 2,169 |
| Noninterest income to average assets | 1.3870% | 496 |
| Noninterest expense to average assets | 3.5476% | 918 |
| Loan and lease loss provision to assets | 0.3483% | 390 |
| Net operating income to assets | 0.8511% | 3,736 |
| Return on assets (ROA) | 0.8511% | 3,741 |
| Pretax return on assets | 1.1989% | 2,989 |
| Return on Equity (ROE) | 9.9294% | 2,653 |
| Retained earnings to average equity (ytd only) | 9.9294% | 949 |
| Net charge-offs to loans | 0.0984% | 1,509 |
| Credit loss provision to net charge-offs | 402.3121% | 818 |
| Earnings coverage of net charge-offs (x) | 17.8729% | 2,091 |
| Efficiency ratio | 69.6327% | 2,250 |
| Assets per employee ($millions) | 4.6396% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4022% | 1,689 |
| Loan loss allowance to noncurrent loans | 174.2643% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 1,264 |
| Noncurrent loans to loans | 0.8046% | 2,097 |
| Net loans and leases to total assets | 86.8130% | 199 |
| Net loans and leases to deposits | 106.6927% | 414 |
| Net loans and leases to core deposits | 127.6647% | 376 |
| Total domestic deposits to total assets | 81.3673% | 3,770 |
| Equity capital to assets | 8.6307% | 4,847 |
| Core capital (leverage) ratio | 8.9457% | 4,750 |
| Tier 1 risk-based capital ratio | 9.4055% | 5,440 |
| Total risk-based capital ratio | 10.6564% | 5,428 |
| Memoranda: |
| Average total assets | $266,462,500 | 2,370 |
| Average earning assets | $250,921,750 | 2,346 |
| Average equity | $22,840,750 | 2,837 |
| Average total loans | $234,333,250 | 1,924 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9772% | 864 |
| Cost of funding earning assets | 1.1444% | 235 |
| Net interest margin | 3.8328% | 2,440 |
| Noninterest income to average assets | 1.2225% | 644 |
| Noninterest expense to average assets | 3.4781% | 1,026 |
| Loan and lease loss provision to assets | 0.3556% | 361 |
| Net operating income to assets | 0.7082% | 4,172 |
| Return on assets (ROA) | 0.7082% | 4,174 |
| Pretax return on assets | 0.9979% | 3,668 |
| Return on Equity (ROE) | 8.2824% | 3,368 |
| Retained earnings to average equity (ytd only) | 8.2824% | 1,498 |
| Net charge-offs to loans | 0.1099% | 1,274 |
| Credit loss provision to net charge-offs | 368.2540% | 875 |
| Earnings coverage of net charge-offs (x) | 14.0159% | 2,120 |
| Efficiency ratio | 71.9860% | 2,013 |
| Assets per employee ($millions) | 4.9781% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3782% | 1,824 |
| Loan loss allowance to noncurrent loans | 87.1707% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 941 |
| Noncurrent loans to loans | 1.5811% | 1,032 |
| Net loans and leases to total assets | 86.4810% | 229 |
| Net loans and leases to deposits | 106.3597% | 421 |
| Net loans and leases to core deposits | 126.3131% | 401 |
| Total domestic deposits to total assets | 81.3100% | 3,911 |
| Equity capital to assets | 8.6375% | 4,852 |
| Core capital (leverage) ratio | 9.0427% | 4,655 |
| Tier 1 risk-based capital ratio | 9.6701% | 5,482 |
| Total risk-based capital ratio | 10.9210% | 5,450 |
| Memoranda: |
| Average total assets | $260,945,670 | 2,412 |
| Average earning assets | $245,721,670 | 2,390 |
| Average equity | $22,312,330 | 2,903 |
| Average total loans | $229,382,330 | 1,957 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0382% | 645 |
| Cost of funding earning assets | 1.0765% | 253 |
| Net interest margin | 3.9617% | 1,840 |
| Noninterest income to average assets | 0.9964% | 918 |
| Noninterest expense to average assets | 3.3962% | 1,170 |
| Loan and lease loss provision to assets | 0.3646% | 326 |
| Net operating income to assets | 0.6821% | 4,163 |
| Return on assets (ROA) | 0.6821% | 4,169 |
| Pretax return on assets | 0.9602% | 3,664 |
| Return on Equity (ROE) | 8.0207% | 3,354 |
| Retained earnings to average equity (ytd only) | 8.0207% | 1,823 |
| Net charge-offs to loans | 0.1339% | 1,003 |
| Credit loss provision to net charge-offs | 309.3333% | 797 |
| Earnings coverage of net charge-offs (x) | 11.2400% | 1,856 |
| Efficiency ratio | 71.9374% | 2,205 |
| Assets per employee ($millions) | 4.7248% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3562% | 1,998 |
| Loan loss allowance to noncurrent loans | 180.9138% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 2,169 |
| Noncurrent loans to loans | 0.7496% | 2,335 |
| Net loans and leases to total assets | 87.5519% | 157 |
| Net loans and leases to deposits | 106.2554% | 372 |
| Net loans and leases to core deposits | 122.7324% | 507 |
| Total domestic deposits to total assets | 82.3976% | 3,840 |
| Equity capital to assets | 8.4891% | 4,981 |
| Core capital (leverage) ratio | 8.9038% | 4,800 |
| Tier 1 risk-based capital ratio | 9.3735% | 5,567 |
| Total risk-based capital ratio | 10.6244% | 5,554 |
| Memoranda: |
| Average total assets | $254,522,000 | 2,487 |
| Average earning assets | $239,290,500 | 2,453 |
| Average equity | $21,644,000 | 2,984 |
| Average total loans | $224,029,500 | 2,007 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9744% | 681 |
| Cost of funding earning assets | 0.9157% | 346 |
| Net interest margin | 4.0587% | 1,566 |
| Noninterest income to average assets | 1.3298% | 595 |
| Noninterest expense to average assets | 3.6545% | 844 |
| Loan and lease loss provision to assets | 0.3723% | 405 |
| Net operating income to assets | 0.5582% | 4,196 |
| Return on assets (ROA) | 0.5582% | 4,230 |
| Pretax return on assets | 1.1264% | 3,075 |
| Return on Equity (ROE) | 6.2910% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.2910% | 1,386 |
| Net charge-offs to loans | 0.1146% | 1,903 |
| Credit loss provision to net charge-offs | 371.7391% | 804 |
| Earnings coverage of net charge-offs (x) | 14.9652% | 2,281 |
| Efficiency ratio | 70.9168% | 2,414 |
| Assets per employee ($millions) | 4.2962% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3665% | 1,900 |
| Loan loss allowance to noncurrent loans | 151.5043% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 1,945 |
| Noncurrent loans to loans | 0.9020% | 1,972 |
| Net loans and leases to total assets | 86.0600% | 248 |
| Net loans and leases to deposits | 104.2772% | 481 |
| Net loans and leases to core deposits | 118.2981% | 642 |
| Total domestic deposits to total assets | 82.5300% | 3,721 |
| Equity capital to assets | 8.5191% | 5,108 |
| Core capital (leverage) ratio | 8.6875% | 4,963 |
| Tier 1 risk-based capital ratio | 9.6363% | 5,587 |
| Total risk-based capital ratio | 10.8872% | 5,567 |
| Memoranda: |
| Average total assets | $229,660,400 | 2,640 |
| Average earning assets | $216,348,200 | 2,616 |
| Average equity | $20,378,200 | 3,100 |
| Average total loans | $200,644,000 | 2,150 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9157% | 736 |
| Cost of funding earning assets | 0.8756% | 400 |
| Net interest margin | 4.0401% | 1,571 |
| Noninterest income to average assets | 1.3305% | 592 |
| Noninterest expense to average assets | 3.5234% | 957 |
| Loan and lease loss provision to assets | 0.3986% | 337 |
| Net operating income to assets | 0.7041% | 3,958 |
| Return on assets (ROA) | 0.7041% | 4,025 |
| Pretax return on assets | 1.2183% | 2,832 |
| Return on Equity (ROE) | 7.8481% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.8481% | 1,282 |
| Net charge-offs to loans | 0.1554% | 1,308 |
| Credit loss provision to net charge-offs | 293.4498% | 1,010 |
| Earnings coverage of net charge-offs (x) | 11.9038% | 2,466 |
| Efficiency ratio | 68.5437% | 2,778 |
| Assets per employee ($millions) | 4.1663% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3354% | 2,181 |
| Loan loss allowance to noncurrent loans | 177.7565% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6787% | 2,460 |
| Noncurrent loans to loans | 0.7513% | 2,484 |
| Net loans and leases to total assets | 85.2722% | 313 |
| Net loans and leases to deposits | 102.7137% | 566 |
| Net loans and leases to core deposits | 117.7517% | 667 |
| Total domestic deposits to total assets | 83.0193% | 3,446 |
| Equity capital to assets | 8.7471% | 5,122 |
| Core capital (leverage) ratio | 9.0618% | 4,672 |
| Tier 1 risk-based capital ratio | 10.1392% | 5,564 |
| Total risk-based capital ratio | 11.3902% | 5,524 |
| Memoranda: |
| Average total assets | $224,780,000 | 2,706 |
| Average earning assets | $211,969,750 | 2,667 |
| Average equity | $20,165,750 | 3,148 |
| Average total loans | $196,450,750 | 2,194 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8845% | 723 |
| Cost of funding earning assets | 0.8333% | 439 |
| Net interest margin | 4.0512% | 1,457 |
| Noninterest income to average assets | 1.0221% | 974 |
| Noninterest expense to average assets | 3.4852% | 1,033 |
| Loan and lease loss provision to assets | 0.3331% | 444 |
| Net operating income to assets | 0.5868% | 4,362 |
| Return on assets (ROA) | 0.5868% | 4,416 |
| Pretax return on assets | 1.0194% | 3,486 |
| Return on Equity (ROE) | 6.4812% | 3,833 |
| Retained earnings to average equity (ytd only) | 6.4812% | 1,856 |
| Net charge-offs to loans | 0.1123% | 1,508 |
| Credit loss provision to net charge-offs | 337.9630% | 883 |
| Earnings coverage of net charge-offs (x) | 13.7222% | 2,116 |
| Efficiency ratio | 72.0430% | 2,336 |
| Assets per employee ($millions) | 4.3071% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2697% | 2,572 |
| Loan loss allowance to noncurrent loans | 115.6375% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4408% | 1,082 |
| Noncurrent loans to loans | 1.0980% | 1,782 |
| Net loans and leases to total assets | 87.0274% | 202 |
| Net loans and leases to deposits | 105.5170% | 414 |
| Net loans and leases to core deposits | 121.3889% | 502 |
| Total domestic deposits to total assets | 82.4771% | 3,734 |
| Equity capital to assets | 8.8545% | 5,033 |
| Core capital (leverage) ratio | 9.4517% | 4,177 |
| Tier 1 risk-based capital ratio | 10.8137% | 5,335 |
| Total risk-based capital ratio | 12.0650% | 5,263 |
| Memoranda: |
| Average total assets | $219,158,330 | 2,779 |
| Average earning assets | $206,410,000 | 2,739 |
| Average equity | $19,842,000 | 3,176 |
| Average total loans | $192,319,330 | 2,238 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8432% | 693 |
| Cost of funding earning assets | 0.7989% | 488 |
| Net interest margin | 4.0443% | 1,362 |
| Noninterest income to average assets | 0.7400% | 1,783 |
| Noninterest expense to average assets | 3.4380% | 1,132 |
| Loan and lease loss provision to assets | 0.3427% | 356 |
| Net operating income to assets | 0.4387% | 4,818 |
| Return on assets (ROA) | 0.4387% | 4,842 |
| Pretax return on assets | 0.7720% | 4,210 |
| Return on Equity (ROE) | 4.7878% | 4,489 |
| Retained earnings to average equity (ytd only) | 4.7878% | 3,020 |
| Net charge-offs to loans | 0.2710% | 673 |
| Credit loss provision to net charge-offs | 144.4444% | 1,240 |
| Earnings coverage of net charge-offs (x) | 4.6984% | 2,356 |
| Efficiency ratio | 75.5170% | 1,982 |
| Assets per employee ($millions) | 4.4929% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2605% | 2,754 |
| Loan loss allowance to noncurrent loans | 191.0899% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 1,602 |
| Noncurrent loans to loans | 0.6597% | 2,852 |
| Net loans and leases to total assets | 87.2455% | 144 |
| Net loans and leases to deposits | 106.6192% | 302 |
| Net loans and leases to core deposits | 124.2132% | 356 |
| Total domestic deposits to total assets | 81.8291% | 4,211 |
| Equity capital to assets | 9.0806% | 4,733 |
| Core capital (leverage) ratio | 9.4869% | 4,134 |
| Tier 1 risk-based capital ratio | 10.7816% | 5,422 |
| Total risk-based capital ratio | 12.0322% | 5,341 |
| Memoranda: |
| Average total assets | $212,446,500 | 2,860 |
| Average earning assets | $200,280,500 | 2,828 |
| Average equity | $19,466,000 | 3,228 |
| Average total loans | $185,972,500 | 2,306 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8120% | 869 |
| Cost of funding earning assets | 0.7687% | 583 |
| Net interest margin | 4.0433% | 1,515 |
| Noninterest income to average assets | 1.9025% | 364 |
| Noninterest expense to average assets | 3.6464% | 952 |
| Loan and lease loss provision to assets | 0.4134% | 368 |
| Net operating income to assets | 0.9913% | 2,388 |
| Return on assets (ROA) | 0.9913% | 2,492 |
| Pretax return on assets | 1.7001% | 998 |
| Return on Equity (ROE) | 10.9442% | 1,599 |
| Retained earnings to average equity (ytd only) | 10.9442% | 310 |
| Net charge-offs to loans | 0.2961% | 935 |
| Credit loss provision to net charge-offs | 160.2484% | 1,719 |
| Earnings coverage of net charge-offs (x) | 8.1925% | 2,905 |
| Efficiency ratio | 63.3068% | 4,059 |
| Assets per employee ($millions) | 4.3591% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2933% | 2,584 |
| Loan loss allowance to noncurrent loans | 215.0321% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0825% | 1,736 |
| Noncurrent loans to loans | 0.6015% | 3,048 |
| Net loans and leases to total assets | 85.5712% | 260 |
| Net loans and leases to deposits | 104.1656% | 424 |
| Net loans and leases to core deposits | 122.5840% | 413 |
| Total domestic deposits to total assets | 82.1493% | 4,031 |
| Equity capital to assets | 9.2475% | 4,519 |
| Core capital (leverage) ratio | 9.7722% | 3,781 |
| Tier 1 risk-based capital ratio | 11.0155% | 5,339 |
| Total risk-based capital ratio | 12.2661% | 5,227 |
| Memoranda: |
| Average total assets | $187,227,000 | 3,086 |
| Average earning assets | $178,617,000 | 3,029 |
| Average equity | $16,958,800 | 3,558 |
| Average total loans | $163,101,800 | 2,487 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8058% | 886 |
| Cost of funding earning assets | 0.7643% | 601 |
| Net interest margin | 4.0415% | 1,552 |
| Noninterest income to average assets | 2.1306% | 327 |
| Noninterest expense to average assets | 3.7139% | 831 |
| Loan and lease loss provision to assets | 0.4483% | 296 |
| Net operating income to assets | 1.0587% | 2,163 |
| Return on assets (ROA) | 1.0587% | 2,281 |
| Pretax return on assets | 1.8364% | 827 |
| Return on Equity (ROE) | 11.7592% | 1,404 |
| Retained earnings to average equity (ytd only) | 11.7592% | 335 |
| Net charge-offs to loans | 0.3541% | 638 |
| Credit loss provision to net charge-offs | 145.1306% | 1,809 |
| Earnings coverage of net charge-offs (x) | 7.3967% | 2,877 |
| Efficiency ratio | 61.9129% | 4,248 |
| Assets per employee ($millions) | 4.5299% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3259% | 2,544 |
| Loan loss allowance to noncurrent loans | 106.1968% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1983% | 1,661 |
| Noncurrent loans to loans | 1.2485% | 1,794 |
| Net loans and leases to total assets | 85.7771% | 266 |
| Net loans and leases to deposits | 101.9390% | 574 |
| Net loans and leases to core deposits | 119.0147% | 539 |
| Total domestic deposits to total assets | 84.1455% | 3,166 |
| Equity capital to assets | 9.0054% | 5,173 |
| Core capital (leverage) ratio | 9.0113% | 4,819 |
| Tier 1 risk-based capital ratio | 10.8442% | 5,459 |
| Total risk-based capital ratio | 12.0957% | 5,363 |
| Memoranda: |
| Average total assets | $181,725,000 | 3,159 |
| Average earning assets | $173,923,000 | 3,086 |
| Average equity | $16,361,250 | 3,677 |
| Average total loans | $158,529,500 | 2,538 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7185% | 1,013 |
| Cost of funding earning assets | 0.7446% | 651 |
| Net interest margin | 3.9739% | 1,729 |
| Noninterest income to average assets | 1.8210% | 396 |
| Noninterest expense to average assets | 3.6342% | 956 |
| Loan and lease loss provision to assets | 0.4781% | 279 |
| Net operating income to assets | 0.8795% | 2,968 |
| Return on assets (ROA) | 0.8795% | 3,085 |
| Pretax return on assets | 1.5121% | 1,634 |
| Return on Equity (ROE) | 9.7695% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.7695% | 646 |
| Net charge-offs to loans | 0.3176% | 743 |
| Credit loss provision to net charge-offs | 172.3577% | 1,443 |
| Earnings coverage of net charge-offs (x) | 7.1748% | 2,657 |
| Efficiency ratio | 64.6151% | 3,912 |
| Assets per employee ($millions) | 4.0340% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3149% | 2,706 |
| Loan loss allowance to noncurrent loans | 98.6301% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.3296% | 1,510 |
| Noncurrent loans to loans | 1.3332% | 1,687 |
| Net loans and leases to total assets | 88.3517% | 121 |
| Net loans and leases to deposits | 105.1424% | 400 |
| Net loans and leases to core deposits | 123.8459% | 413 |
| Total domestic deposits to total assets | 84.0305% | 3,254 |
| Equity capital to assets | 8.9019% | 5,310 |
| Core capital (leverage) ratio | 9.4544% | 4,264 |
| Tier 1 risk-based capital ratio | 10.7109% | 5,572 |
| Total risk-based capital ratio | 11.9629% | 5,497 |
| Memoranda: |
| Average total assets | $177,372,000 | 3,222 |
| Average earning assets | $169,757,670 | 3,145 |
| Average equity | $15,968,000 | 3,737 |
| Average total loans | $154,931,000 | 2,590 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6305% | 1,183 |
| Cost of funding earning assets | 0.7479% | 641 |
| Net interest margin | 3.8826% | 1,985 |
| Noninterest income to average assets | 1.7821% | 400 |
| Noninterest expense to average assets | 3.7370% | 855 |
| Loan and lease loss provision to assets | 0.4344% | 299 |
| Net operating income to assets | 0.7778% | 3,364 |
| Return on assets (ROA) | 0.7778% | 3,466 |
| Pretax return on assets | 1.3453% | 2,110 |
| Return on Equity (ROE) | 8.5863% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.5863% | 1,231 |
| Net charge-offs to loans | 0.1329% | 1,309 |
| Credit loss provision to net charge-offs | 379.5918% | 735 |
| Earnings coverage of net charge-offs (x) | 15.5510% | 1,655 |
| Efficiency ratio | 67.7392% | 3,507 |
| Assets per employee ($millions) | 4.1322% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4507% | 2,198 |
| Loan loss allowance to noncurrent loans | 69.8089% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.9792% | 886 |
| Noncurrent loans to loans | 2.0781% | 1,016 |
| Net loans and leases to total assets | 85.7997% | 233 |
| Net loans and leases to deposits | 100.3619% | 600 |
| Net loans and leases to core deposits | 116.1067% | 585 |
| Total domestic deposits to total assets | 85.4903% | 2,921 |
| Equity capital to assets | 9.1793% | 5,009 |
| Core capital (leverage) ratio | 9.2006% | 4,600 |
| Tier 1 risk-based capital ratio | 11.7662% | 5,069 |
| Total risk-based capital ratio | 13.0208% | 4,973 |
| Memoranda: |
| Average total assets | $171,258,500 | 3,311 |
| Average earning assets | $164,733,500 | 3,220 |
| Average equity | $15,513,000 | 3,809 |
| Average total loans | $147,523,500 | 2,687 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6930% | 1,125 |
| Cost of funding earning assets | 0.6453% | 1,098 |
| Net interest margin | 4.0477% | 1,568 |
| Noninterest income to average assets | 1.6867% | 461 |
| Noninterest expense to average assets | 3.6198% | 1,093 |
| Loan and lease loss provision to assets | 0.1400% | 1,693 |
| Net operating income to assets | 1.0464% | 2,140 |
| Return on assets (ROA) | 1.0464% | 2,230 |
| Pretax return on assets | 1.8038% | 800 |
| Return on Equity (ROE) | 11.6886% | 1,384 |
| Retained earnings to average equity (ytd only) | 7.7782% | 989 |
| Net charge-offs to loans | 0.1969% | 1,484 |
| Credit loss provision to net charge-offs | 84.6154% | 2,868 |
| Earnings coverage of net charge-offs (x) | 11.7462% | 2,529 |
| Efficiency ratio | 65.0612% | 4,067 |
| Assets per employee ($millions) | 4.0207% | 3,905 |
| Cash dividends to net income (ytd only)* | 33.4550% | 3,181 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4276% | 2,303 |
| Loan loss allowance to noncurrent loans | 73.4979% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.8801% | 975 |
| Noncurrent loans to loans | 1.9424% | 1,095 |
| Net loans and leases to total assets | 84.0239% | 392 |
| Net loans and leases to deposits | 100.3636% | 649 |
| Net loans and leases to core deposits | 117.4904% | 560 |
| Total domestic deposits to total assets | 83.7195% | 3,584 |
| Equity capital to assets | 8.8192% | 5,290 |
| Core capital (leverage) ratio | 9.1728% | 4,655 |
| Tier 1 risk-based capital ratio | 11.5569% | 5,210 |
| Total risk-based capital ratio | 12.8105% | 5,122 |
| Memoranda: |
| Average total assets | $157,110,200 | 3,469 |
| Average earning assets | $150,479,400 | 3,397 |
| Average equity | $14,065,000 | 3,962 |
| Average total loans | $132,040,200 | 2,857 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7949% | 950 |
| Cost of funding earning assets | 0.6462% | 1,117 |
| Net interest margin | 4.1486% | 1,282 |
| Noninterest income to average assets | 1.5714% | 511 |
| Noninterest expense to average assets | 3.6158% | 1,092 |
| Loan and lease loss provision to assets | 0.1453% | 1,506 |
| Net operating income to assets | 1.0438% | 2,252 |
| Return on assets (ROA) | 1.0438% | 2,342 |
| Pretax return on assets | 1.7798% | 934 |
| Return on Equity (ROE) | 11.6127% | 1,493 |
| Retained earnings to average equity (ytd only) | 6.3211% | 2,055 |
| Net charge-offs to loans | 0.1498% | 1,639 |
| Credit loss provision to net charge-offs | 115.8621% | 2,046 |
| Earnings coverage of net charge-offs (x) | 15.3516% | 2,186 |
| Efficiency ratio | 65.2568% | 4,025 |
| Assets per employee ($millions) | 4.0857% | 3,728 |
| Cash dividends to net income (ytd only)* | 45.5679% | 2,060 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6110% | 1,748 |
| Loan loss allowance to noncurrent loans | 92.4487% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.7943% | 1,199 |
| Noncurrent loans to loans | 1.7426% | 1,374 |
| Net loans and leases to total assets | 81.1806% | 681 |
| Net loans and leases to deposits | 96.2198% | 984 |
| Net loans and leases to core deposits | 112.7818% | 719 |
| Total domestic deposits to total assets | 84.3700% | 3,274 |
| Equity capital to assets | 9.0724% | 5,239 |
| Core capital (leverage) ratio | 9.1437% | 4,821 |
| Tier 1 risk-based capital ratio | 12.2702% | 4,908 |
| Total risk-based capital ratio | 13.5268% | 4,801 |
| Memoranda: |
| Average total assets | $154,170,000 | 3,535 |
| Average earning assets | $147,515,500 | 3,474 |
| Average equity | $13,858,000 | 4,047 |
| Average total loans | $129,063,500 | 2,920 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9992% | 597 |
| Cost of funding earning assets | 0.6158% | 1,308 |
| Net interest margin | 4.3833% | 782 |
| Noninterest income to average assets | 1.4982% | 568 |
| Noninterest expense to average assets | 3.6984% | 986 |
| Loan and lease loss provision to assets | 0.1351% | 1,622 |
| Net operating income to assets | 1.0640% | 2,084 |
| Return on assets (ROA) | 1.0640% | 2,194 |
| Pretax return on assets | 1.8577% | 806 |
| Return on Equity (ROE) | 11.8752% | 1,412 |
| Retained earnings to average equity (ytd only) | 3.8217% | 3,572 |
| Net charge-offs to loans | 0.1029% | 1,977 |
| Credit loss provision to net charge-offs | 156.0606% | 1,499 |
| Earnings coverage of net charge-offs (x) | 23.0152% | 1,620 |
| Efficiency ratio | 64.9839% | 4,195 |
| Assets per employee ($millions) | 4.0894% | 3,704 |
| Cash dividends to net income (ytd only)* | 67.8175% | 1,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6439% | 1,768 |
| Loan loss allowance to noncurrent loans | 52.5382% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 3.0110% | 558 |
| Noncurrent loans to loans | 3.1289% | 613 |
| Net loans and leases to total assets | 82.0890% | 546 |
| Net loans and leases to deposits | 97.4016% | 845 |
| Net loans and leases to core deposits | 114.5151% | 647 |
| Total domestic deposits to total assets | 84.2789% | 3,458 |
| Equity capital to assets | 9.0479% | 5,191 |
| Core capital (leverage) ratio | 9.0204% | 4,942 |
| Tier 1 risk-based capital ratio | 13.2240% | 4,389 |
| Total risk-based capital ratio | 14.4828% | 4,311 |
| Memoranda: |
| Average total assets | $152,446,330 | 3,590 |
| Average earning assets | $145,824,670 | 3,518 |
| Average equity | $13,658,670 | 4,101 |
| Average total loans | $128,260,670 | 2,942 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0832% | 495 |
| Cost of funding earning assets | 0.5694% | 1,666 |
| Net interest margin | 4.5138% | 592 |
| Noninterest income to average assets | 1.8811% | 386 |
| Noninterest expense to average assets | 3.6325% | 1,090 |
| Loan and lease loss provision to assets | 0.1855% | 1,024 |
| Net operating income to assets | 1.4360% | 970 |
| Return on assets (ROA) | 1.4360% | 1,025 |
| Pretax return on assets | 2.3899% | 282 |
| Return on Equity (ROE) | 16.1094% | 558 |
| Retained earnings to average equity (ytd only) | -0.2378% | 5,417 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5147% | 5,282 |
| Assets per employee ($millions) | 5.1042% | 2,225 |
| Cash dividends to net income (ytd only)* | 101.4760% | 666 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6819% | 1,786 |
| Loan loss allowance to noncurrent loans | 49.1264% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 3.2875% | 530 |
| Noncurrent loans to loans | 3.4235% | 571 |
| Net loans and leases to total assets | 82.6517% | 402 |
| Net loans and leases to deposits | 99.2028% | 609 |
| Net loans and leases to core deposits | 124.0658% | 326 |
| Total domestic deposits to total assets | 83.3158% | 4,079 |
| Equity capital to assets | 9.1127% | 5,181 |
| Core capital (leverage) ratio | 9.3858% | 4,454 |
| Tier 1 risk-based capital ratio | 12.8545% | 4,692 |
| Total risk-based capital ratio | 14.1134% | 4,596 |
| Memoranda: |
| Average total assets | $150,971,500 | 3,634 |
| Average earning assets | $144,712,000 | 3,553 |
| Average equity | $13,458,000 | 4,160 |
| Average total loans | $127,543,500 | 2,956 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9649% | 831 |
| Cost of funding earning assets | 0.6100% | 1,680 |
| Net interest margin | 4.3549% | 957 |
| Noninterest income to average assets | 1.3629% | 657 |
| Noninterest expense to average assets | 3.1212% | 2,448 |
| Loan and lease loss provision to assets | 0.1871% | 1,372 |
| Net operating income to assets | 1.2466% | 1,447 |
| Return on assets (ROA) | 1.2466% | 1,506 |
| Pretax return on assets | 2.1733% | 336 |
| Return on Equity (ROE) | 13.2944% | 1,078 |
| Retained earnings to average equity (ytd only) | 8.5333% | 818 |
| Net charge-offs to loans | 0.2985% | 1,476 |
| Credit loss provision to net charge-offs | 70.6231% | 3,060 |
| Earnings coverage of net charge-offs (x) | 8.9110% | 2,815 |
| Efficiency ratio | 56.9401% | 5,574 |
| Assets per employee ($millions) | 4.6328% | 2,825 |
| Cash dividends to net income (ytd only)* | 35.8134% | 3,073 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6650% | 1,879 |
| Loan loss allowance to noncurrent loans | 80.1760% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.2212% | 1,093 |
| Noncurrent loans to loans | 2.0767% | 1,315 |
| Net loans and leases to total assets | 83.4598% | 379 |
| Net loans and leases to deposits | 98.5841% | 714 |
| Net loans and leases to core deposits | 114.1315% | 598 |
| Total domestic deposits to total assets | 84.6585% | 3,436 |
| Equity capital to assets | 8.5740% | 5,663 |
| Core capital (leverage) ratio | 8.9744% | 5,034 |
| Tier 1 risk-based capital ratio | 11.2748% | 5,780 |
| Total risk-based capital ratio | 12.5326% | 5,695 |
| Memoranda: |
| Average total assets | $127,225,800 | 4,034 |
| Average earning assets | $120,324,800 | 3,957 |
| Average equity | $11,929,800 | 4,372 |
| Average total loans | $112,912,600 | 3,162 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0373% | 721 |
| Cost of funding earning assets | 0.6198% | 1,674 |
| Net interest margin | 4.4175% | 867 |
| Noninterest income to average assets | 0.8363% | 1,757 |
| Noninterest expense to average assets | 3.0652% | 2,579 |
| Loan and lease loss provision to assets | 0.0962% | 2,439 |
| Net operating income to assets | 1.0757% | 2,133 |
| Return on assets (ROA) | 1.0757% | 2,202 |
| Pretax return on assets | 1.8430% | 811 |
| Return on Equity (ROE) | 11.1805% | 1,722 |
| Retained earnings to average equity (ytd only) | 4.7267% | 3,262 |
| Net charge-offs to loans | 0.0255% | 3,995 |
| Credit loss provision to net charge-offs | 419.0476% | 669 |
| Earnings coverage of net charge-offs (x) | 84.4739% | 672 |
| Efficiency ratio | 61.2495% | 4,997 |
| Assets per employee ($millions) | 5.3458% | 1,864 |
| Cash dividends to net income (ytd only)* | 57.7231% | 1,485 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9124% | 1,427 |
| Loan loss allowance to noncurrent loans | 129.6445% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 2.2478% | 1,220 |
| Noncurrent loans to loans | 1.4751% | 2,203 |
| Net loans and leases to total assets | 86.7731% | 157 |
| Net loans and leases to deposits | 104.1548% | 392 |
| Net loans and leases to core deposits | 121.3844% | 364 |
| Total domestic deposits to total assets | 83.3116% | 4,024 |
| Equity capital to assets | 9.0606% | 5,290 |
| Core capital (leverage) ratio | 9.3762% | 4,538 |
| Tier 1 risk-based capital ratio | 11.5370% | 5,772 |
| Total risk-based capital ratio | 12.7985% | 5,692 |
| Memoranda: |
| Average total assets | $121,969,500 | 4,180 |
| Average earning assets | $115,085,500 | 4,108 |
| Average equity | $11,734,500 | 4,438 |
| Average total loans | $109,684,500 | 3,248 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0105% | 741 |
| Cost of funding earning assets | 0.6211% | 1,726 |
| Net interest margin | 4.3894% | 866 |
| Noninterest income to average assets | 0.8283% | 1,743 |
| Noninterest expense to average assets | 2.9912% | 2,864 |
| Loan and lease loss provision to assets | 0.1186% | 2,067 |
| Net operating income to assets | 1.0756% | 2,022 |
| Return on assets (ROA) | 1.0756% | 2,096 |
| Pretax return on assets | 1.8479% | 761 |
| Return on Equity (ROE) | 10.9392% | 1,759 |
| Retained earnings to average equity (ytd only) | 1.1542% | 5,291 |
| Net charge-offs to loans | 0.0037% | 4,253 |
| Credit loss provision to net charge-offs | 3,500.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 580.5000% | 122 |
| Efficiency ratio | 60.3348% | 5,241 |
| Assets per employee ($millions) | 4.8540% | 2,403 |
| Cash dividends to net income (ytd only)* | 89.4488% | 697 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0231% | 1,323 |
| Loan loss allowance to noncurrent loans | 107.2038% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 2.8207% | 927 |
| Noncurrent loans to loans | 1.8872% | 1,819 |
| Net loans and leases to total assets | 90.2712% | 43 |
| Net loans and leases to deposits | 109.7348% | 212 |
| Net loans and leases to core deposits | 123.1216% | 318 |
| Total domestic deposits to total assets | 82.2630% | 4,562 |
| Equity capital to assets | 9.6909% | 4,503 |
| Core capital (leverage) ratio | 9.8848% | 3,766 |
| Tier 1 risk-based capital ratio | 11.5255% | 5,781 |
| Total risk-based capital ratio | 12.7868% | 5,730 |
| Memoranda: |
| Average total assets | $118,078,000 | 4,287 |
| Average earning assets | $111,086,670 | 4,215 |
| Average equity | $11,609,670 | 4,471 |
| Average total loans | $106,836,670 | 3,313 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0731% | 623 |
| Cost of funding earning assets | 0.6218% | 1,792 |
| Net interest margin | 4.4513% | 726 |
| Noninterest income to average assets | 0.5771% | 2,873 |
| Noninterest expense to average assets | 2.9165% | 3,159 |
| Loan and lease loss provision to assets | 0.1821% | 1,318 |
| Net operating income to assets | 0.8622% | 2,842 |
| Return on assets (ROA) | 0.8622% | 2,905 |
| Pretax return on assets | 1.6592% | 1,052 |
| Return on Equity (ROE) | 8.7043% | 2,600 |
| Retained earnings to average equity (ytd only) | -10.9931% | 6,391 |
| Net charge-offs to loans | 0.0077% | 3,485 |
| Credit loss provision to net charge-offs | 2,650.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 176 |
| Efficiency ratio | 61.2996% | 5,231 |
| Assets per employee ($millions) | 4.7015% | 2,658 |
| Cash dividends to net income (ytd only)* | 226.2948% | 202 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1522% | 1,231 |
| Loan loss allowance to noncurrent loans | 115.9607% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 2.8085% | 1,058 |
| Noncurrent loans to loans | 1.8560% | 2,054 |
| Net loans and leases to total assets | 86.8382% | 113 |
| Net loans and leases to deposits | 104.8960% | 263 |
| Net loans and leases to core deposits | 118.0661% | 361 |
| Total domestic deposits to total assets | 82.7850% | 4,673 |
| Equity capital to assets | 9.6787% | 4,254 |
| Core capital (leverage) ratio | 9.8556% | 3,782 |
| Tier 1 risk-based capital ratio | 11.8915% | 5,715 |
| Total risk-based capital ratio | 13.1553% | 5,626 |
| Memoranda: |
| Average total assets | $116,441,500 | 4,355 |
| Average earning assets | $109,361,000 | 4,292 |
| Average equity | $11,534,500 | 4,501 |
| Average total loans | $104,351,500 | 3,380 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2990% | 529 |
| Cost of funding earning assets | 0.7885% | 1,274 |
| Net interest margin | 4.5104% | 723 |
| Noninterest income to average assets | 1.2610% | 871 |
| Noninterest expense to average assets | 3.1962% | 2,432 |
| Loan and lease loss provision to assets | 0.1822% | 2,023 |
| Net operating income to assets | 1.2315% | 1,445 |
| Return on assets (ROA) | 1.2315% | 1,509 |
| Pretax return on assets | 2.0871% | 399 |
| Return on Equity (ROE) | 12.8603% | 1,194 |
| Retained earnings to average equity (ytd only) | 8.6823% | 850 |
| Net charge-offs to loans | 0.1604% | 3,202 |
| Credit loss provision to net charge-offs | 128.8344% | 1,822 |
| Earnings coverage of net charge-offs (x) | 16.0429% | 1,828 |
| Efficiency ratio | 58.4789% | 5,677 |
| Assets per employee ($millions) | 4.8061% | 2,435 |
| Cash dividends to net income (ytd only)* | 32.4877% | 3,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1017% | 1,329 |
| Loan loss allowance to noncurrent loans | 322.6471% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 1.8588% | 1,966 |
| Noncurrent loans to loans | 0.6514% | 4,339 |
| Net loans and leases to total assets | 88.6004% | 68 |
| Net loans and leases to deposits | 107.8426% | 208 |
| Net loans and leases to core deposits | 121.2963% | 308 |
| Total domestic deposits to total assets | 82.1572% | 4,818 |
| Equity capital to assets | 10.1373% | 3,584 |
| Core capital (leverage) ratio | 10.2227% | 3,262 |
| Tier 1 risk-based capital ratio | 12.2741% | 5,448 |
| Total risk-based capital ratio | 13.5368% | 5,359 |
| Memoranda: |
| Average total assets | $115,229,600 | 4,381 |
| Average earning assets | $107,417,400 | 4,328 |
| Average equity | $11,034,000 | 4,628 |
| Average total loans | $101,615,200 | 3,410 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2915% | 538 |
| Cost of funding earning assets | 0.8271% | 1,176 |
| Net interest margin | 4.4645% | 780 |
| Noninterest income to average assets | 1.4583% | 690 |
| Noninterest expense to average assets | 3.2487% | 2,206 |
| Loan and lease loss provision to assets | 0.2234% | 1,624 |
| Net operating income to assets | 1.2523% | 1,483 |
| Return on assets (ROA) | 1.2523% | 1,550 |
| Pretax return on assets | 2.1469% | 435 |
| Return on Equity (ROE) | 13.2726% | 1,179 |
| Retained earnings to average equity (ytd only) | 7.6176% | 1,581 |
| Net charge-offs to loans | 0.0912% | 3,656 |
| Credit loss provision to net charge-offs | 279.7101% | 914 |
| Earnings coverage of net charge-offs (x) | 29.6804% | 1,243 |
| Efficiency ratio | 57.8167% | 5,715 |
| Assets per employee ($millions) | 4.6298% | 2,665 |
| Cash dividends to net income (ytd only)* | 42.6062% | 2,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2082% | 1,315 |
| Loan loss allowance to noncurrent loans | 253.4598% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 1.9079% | 2,125 |
| Noncurrent loans to loans | 0.8712% | 4,079 |
| Net loans and leases to total assets | 90.5107% | 36 |
| Net loans and leases to deposits | 109.9714% | 157 |
| Net loans and leases to core deposits | 132.1981% | 165 |
| Total domestic deposits to total assets | 82.3039% | 4,827 |
| Equity capital to assets | 10.2200% | 3,612 |
| Core capital (leverage) ratio | 10.1389% | 3,476 |
| Tier 1 risk-based capital ratio | 12.0951% | 5,723 |
| Total risk-based capital ratio | 13.3594% | 5,647 |
| Memoranda: |
| Average total assets | $115,200,500 | 4,425 |
| Average earning assets | $107,363,500 | 4,372 |
| Average equity | $10,869,250 | 4,714 |
| Average total loans | $100,921,250 | 3,455 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1518% | 693 |
| Cost of funding earning assets | 0.8838% | 969 |
| Net interest margin | 4.2679% | 1,095 |
| Noninterest income to average assets | 1.2114% | 1,042 |
| Noninterest expense to average assets | 3.1485% | 2,513 |
| Loan and lease loss provision to assets | 0.1802% | 2,109 |
| Net operating income to assets | 0.9643% | 2,492 |
| Return on assets (ROA) | 0.9643% | 2,640 |
| Pretax return on assets | 1.8514% | 821 |
| Return on Equity (ROE) | 10.4978% | 2,014 |
| Retained earnings to average equity (ytd only) | 1.8866% | 5,066 |
| Net charge-offs to loans | 0.1157% | 3,205 |
| Credit loss provision to net charge-offs | 181.0345% | 1,311 |
| Earnings coverage of net charge-offs (x) | 20.4138% | 1,466 |
| Efficiency ratio | 60.7817% | 5,364 |
| Assets per employee ($millions) | 4.7480% | 2,452 |
| Cash dividends to net income (ytd only)* | 82.0285% | 862 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1858% | 1,455 |
| Loan loss allowance to noncurrent loans | 145.2019% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 2.8029% | 1,477 |
| Noncurrent loans to loans | 1.5053% | 3,044 |
| Net loans and leases to total assets | 86.1617% | 146 |
| Net loans and leases to deposits | 106.6082% | 210 |
| Net loans and leases to core deposits | 117.4115% | 366 |
| Total domestic deposits to total assets | 80.8209% | 5,394 |
| Equity capital to assets | 9.5093% | 4,567 |
| Core capital (leverage) ratio | 9.2826% | 4,570 |
| Tier 1 risk-based capital ratio | 11.7771% | 5,933 |
| Total risk-based capital ratio | 13.0411% | 5,867 |
| Memoranda: |
| Average total assets | $116,562,330 | 4,431 |
| Average earning assets | $108,390,000 | 4,377 |
| Average equity | $10,707,000 | 4,790 |
| Average total loans | $100,281,000 | 3,484 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0892% | 755 |
| Cost of funding earning assets | 0.9280% | 854 |
| Net interest margin | 4.1612% | 1,298 |
| Noninterest income to average assets | 1.3778% | 813 |
| Noninterest expense to average assets | 3.0679% | 2,778 |
| Loan and lease loss provision to assets | 0.3563% | 913 |
| Net operating income to assets | 0.9366% | 2,484 |
| Return on assets (ROA) | 0.9366% | 2,630 |
| Pretax return on assets | 1.8190% | 855 |
| Return on Equity (ROE) | 10.3735% | 1,920 |
| Retained earnings to average equity (ytd only) | -6.9533% | 6,472 |
| Net charge-offs to loans | 0.2554% | 1,935 |
| Credit loss provision to net charge-offs | 164.0625% | 1,277 |
| Earnings coverage of net charge-offs (x) | 10.0156% | 1,782 |
| Efficiency ratio | 58.5113% | 5,779 |
| Assets per employee ($millions) | 5.4609% | 1,698 |
| Cash dividends to net income (ytd only)* | 167.0290% | 305 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1926% | 1,598 |
| Loan loss allowance to noncurrent loans | 136.2391% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 3.0248% | 1,481 |
| Noncurrent loans to loans | 1.6093% | 3,127 |
| Net loans and leases to total assets | 81.2419% | 328 |
| Net loans and leases to deposits | 99.8844% | 360 |
| Net loans and leases to core deposits | 121.2050% | 268 |
| Total domestic deposits to total assets | 81.3359% | 5,407 |
| Equity capital to assets | 8.7814% | 5,724 |
| Core capital (leverage) ratio | 9.0006% | 4,888 |
| Tier 1 risk-based capital ratio | 11.6942% | 6,088 |
| Total risk-based capital ratio | 12.9589% | 6,056 |
| Memoranda: |
| Average total assets | $117,867,500 | 4,442 |
| Average earning assets | $109,487,500 | 4,386 |
| Average equity | $10,642,500 | 4,850 |
| Average total loans | $100,233,000 | 3,497 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5919% | 519 |
| Cost of funding earning assets | 1.1278% | 817 |
| Net interest margin | 4.4641% | 1,015 |
| Noninterest income to average assets | 1.0996% | 1,282 |
| Noninterest expense to average assets | 2.9860% | 3,328 |
| Loan and lease loss provision to assets | 0.4698% | 1,324 |
| Net operating income to assets | 1.0290% | 2,213 |
| Return on assets (ROA) | 1.0290% | 2,420 |
| Pretax return on assets | 1.7873% | 940 |
| Return on Equity (ROE) | 11.2036% | 1,740 |
| Retained earnings to average equity (ytd only) | 7.3329% | 1,408 |
| Net charge-offs to loans | 0.1622% | 4,080 |
| Credit loss provision to net charge-offs | 335.0318% | 725 |
| Earnings coverage of net charge-offs (x) | 16.0955% | 1,603 |
| Efficiency ratio | 56.9506% | 5,958 |
| Assets per employee ($millions) | 5.2543% | 1,949 |
| Cash dividends to net income (ytd only)* | 34.5486% | 3,157 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1326% | 1,681 |
| Loan loss allowance to noncurrent loans | 181.4877% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 2.6740% | 1,806 |
| Noncurrent loans to loans | 1.1751% | 3,890 |
| Net loans and leases to total assets | 85.2347% | 162 |
| Net loans and leases to deposits | 103.5100% | 278 |
| Net loans and leases to core deposits | 116.2437% | 352 |
| Total domestic deposits to total assets | 82.3444% | 4,983 |
| Equity capital to assets | 9.2867% | 5,173 |
| Core capital (leverage) ratio | 9.6376% | 3,908 |
| Tier 1 risk-based capital ratio | 11.5166% | 6,091 |
| Total risk-based capital ratio | 12.7858% | 6,042 |
| Memoranda: |
| Average total assets | $111,954,200 | 4,548 |
| Average earning assets | $103,918,800 | 4,494 |
| Average equity | $10,282,400 | 4,917 |
| Average total loans | $96,785,800 | 3,601 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5459% | 624 |
| Cost of funding earning assets | 1.1779% | 769 |
| Net interest margin | 4.3680% | 1,292 |
| Noninterest income to average assets | 1.2199% | 1,002 |
| Noninterest expense to average assets | 2.9489% | 3,410 |
| Loan and lease loss provision to assets | 0.6316% | 839 |
| Net operating income to assets | 1.0098% | 2,457 |
| Return on assets (ROA) | 1.0098% | 2,687 |
| Pretax return on assets | 1.7002% | 1,268 |
| Return on Equity (ROE) | 11.0265% | 1,951 |
| Retained earnings to average equity (ytd only) | 5.8082% | 2,830 |
| Net charge-offs to loans | 0.2213% | 3,396 |
| Credit loss provision to net charge-offs | 330.8176% | 804 |
| Earnings coverage of net charge-offs (x) | 12.2141% | 2,017 |
| Efficiency ratio | 55.8436% | 6,074 |
| Assets per employee ($millions) | 4.9672% | 2,231 |
| Cash dividends to net income (ytd only)* | 47.3241% | 1,820 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1790% | 1,747 |
| Loan loss allowance to noncurrent loans | 258.7455% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 2.8450% | 1,848 |
| Noncurrent loans to loans | 0.8421% | 4,733 |
| Net loans and leases to total assets | 88.1202% | 91 |
| Net loans and leases to deposits | 108.0109% | 194 |
| Net loans and leases to core deposits | 119.9113% | 313 |
| Total domestic deposits to total assets | 81.5846% | 5,166 |
| Equity capital to assets | 9.5390% | 5,156 |
| Core capital (leverage) ratio | 9.5082% | 4,257 |
| Tier 1 risk-based capital ratio | 11.4395% | 6,259 |
| Total risk-based capital ratio | 12.7048% | 6,221 |
| Memoranda: |
| Average total assets | $111,044,000 | 4,614 |
| Average earning assets | $103,233,500 | 4,563 |
| Average equity | $10,169,250 | 4,986 |
| Average total loans | $95,813,750 | 3,657 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4991% | 724 |
| Cost of funding earning assets | 1.2293% | 717 |
| Net interest margin | 4.2698% | 1,548 |
| Noninterest income to average assets | 0.9764% | 1,526 |
| Noninterest expense to average assets | 2.7877% | 4,059 |
| Loan and lease loss provision to assets | 0.6468% | 882 |
| Net operating income to assets | 0.8976% | 2,921 |
| Return on assets (ROA) | 0.8976% | 3,188 |
| Pretax return on assets | 1.5246% | 1,788 |
| Return on Equity (ROE) | 9.9362% | 2,383 |
| Retained earnings to average equity (ytd only) | 2.0428% | 5,183 |
| Net charge-offs to loans | 0.1643% | 3,622 |
| Credit loss provision to net charge-offs | 462.8205% | 648 |
| Earnings coverage of net charge-offs (x) | 15.5385% | 1,643 |
| Efficiency ratio | 56.2139% | 6,090 |
| Assets per employee ($millions) | 5.5389% | 1,584 |
| Cash dividends to net income (ytd only)* | 79.4411% | 804 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1835% | 1,811 |
| Loan loss allowance to noncurrent loans | 186.0108% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 3.1089% | 1,751 |
| Noncurrent loans to loans | 1.1739% | 4,192 |
| Net loans and leases to total assets | 83.3458% | 245 |
| Net loans and leases to deposits | 101.4315% | 363 |
| Net loans and leases to core deposits | 114.6021% | 428 |
| Total domestic deposits to total assets | 82.1696% | 5,066 |
| Equity capital to assets | 9.1030% | 5,577 |
| Core capital (leverage) ratio | 9.0738% | 4,800 |
| Tier 1 risk-based capital ratio | 11.2684% | 6,358 |
| Total risk-based capital ratio | 12.5311% | 6,329 |
| Memoranda: |
| Average total assets | $111,632,670 | 4,627 |
| Average earning assets | $104,126,000 | 4,568 |
| Average equity | $10,084,330 | 5,015 |
| Average total loans | $94,938,000 | 3,695 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4373% | 860 |
| Cost of funding earning assets | 1.2850% | 669 |
| Net interest margin | 4.1523% | 1,928 |
| Noninterest income to average assets | 0.9245% | 1,651 |
| Noninterest expense to average assets | 2.8270% | 3,918 |
| Loan and lease loss provision to assets | 0.6996% | 749 |
| Net operating income to assets | 0.7389% | 3,686 |
| Return on assets (ROA) | 0.7389% | 3,922 |
| Pretax return on assets | 1.2850% | 2,590 |
| Return on Equity (ROE) | 8.2106% | 3,188 |
| Retained earnings to average equity (ytd only) | 8.2106% | 1,901 |
| Net charge-offs to loans | 0.2731% | 2,579 |
| Credit loss provision to net charge-offs | 301.5385% | 975 |
| Earnings coverage of net charge-offs (x) | 8.5538% | 1,946 |
| Efficiency ratio | 58.7537% | 5,808 |
| Assets per employee ($millions) | 5.6317% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9921% | 2,382 |
| Loan loss allowance to noncurrent loans | 132.2938% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 3.6064% | 1,576 |
| Noncurrent loans to loans | 1.5058% | 3,862 |
| Net loans and leases to total assets | 83.3833% | 201 |
| Net loans and leases to deposits | 101.9208% | 310 |
| Net loans and leases to core deposits | 115.6811% | 390 |
| Total domestic deposits to total assets | 81.8119% | 5,359 |
| Equity capital to assets | 9.0452% | 5,428 |
| Core capital (leverage) ratio | 9.1715% | 4,568 |
| Tier 1 risk-based capital ratio | 11.2171% | 6,432 |
| Total risk-based capital ratio | 12.4777% | 6,410 |
| Memoranda: |
| Average total assets | $112,060,500 | 4,651 |
| Average earning assets | $104,905,000 | 4,575 |
| Average equity | $10,084,500 | 5,023 |
| Average total loans | $95,212,500 | 3,708 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6980% | 784 |
| Cost of funding earning assets | 1.5246% | 650 |
| Net interest margin | 4.1734% | 2,145 |
| Noninterest income to average assets | 0.9079% | 1,648 |
| Noninterest expense to average assets | 2.6740% | 4,842 |
| Loan and lease loss provision to assets | 1.0828% | 839 |
| Net operating income to assets | 0.6017% | 3,993 |
| Return on assets (ROA) | 0.6017% | 4,180 |
| Pretax return on assets | 1.0330% | 3,112 |
| Return on Equity (ROE) | 6.8261% | 3,476 |
| Retained earnings to average equity (ytd only) | 4.2560% | 3,158 |
| Net charge-offs to loans | 0.8608% | 2,013 |
| Credit loss provision to net charge-offs | 149.9373% | 1,892 |
| Earnings coverage of net charge-offs (x) | 2.9297% | 3,739 |
| Efficiency ratio | 55.8267% | 6,331 |
| Assets per employee ($millions) | 5.5744% | 1,555 |
| Cash dividends to net income (ytd only)* | 37.6506% | 2,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8795% | 2,630 |
| Loan loss allowance to noncurrent loans | 111.4734% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 3.8336% | 1,503 |
| Noncurrent loans to loans | 1.6861% | 3,631 |
| Net loans and leases to total assets | 83.2563% | 254 |
| Net loans and leases to deposits | 102.5329% | 350 |
| Net loans and leases to core deposits | 113.2960% | 529 |
| Total domestic deposits to total assets | 81.1996% | 5,385 |
| Equity capital to assets | 8.9526% | 5,600 |
| Core capital (leverage) ratio | 9.0406% | 4,710 |
| Tier 1 risk-based capital ratio | 10.8798% | 6,518 |
| Total risk-based capital ratio | 12.1388% | 6,489 |
| Memoranda: |
| Average total assets | $110,360,200 | 4,635 |
| Average earning assets | $102,650,600 | 4,571 |
| Average equity | $9,727,400 | 5,092 |
| Average total loans | $92,590,200 | 3,795 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6992% | 853 |
| Cost of funding earning assets | 1.5664% | 672 |
| Net interest margin | 4.1328% | 2,339 |
| Noninterest income to average assets | 0.8927% | 1,676 |
| Noninterest expense to average assets | 2.6574% | 4,878 |
| Loan and lease loss provision to assets | 1.2112% | 645 |
| Net operating income to assets | 0.5208% | 4,454 |
| Return on assets (ROA) | 0.5208% | 4,640 |
| Pretax return on assets | 0.8685% | 3,885 |
| Return on Equity (ROE) | 5.9325% | 4,049 |
| Retained earnings to average equity (ytd only) | 2.4833% | 4,881 |
| Net charge-offs to loans | 0.9816% | 1,645 |
| Credit loss provision to net charge-offs | 147.4926% | 2,130 |
| Earnings coverage of net charge-offs (x) | 2.5324% | 3,864 |
| Efficiency ratio | 56.0982% | 6,274 |
| Assets per employee ($millions) | 5.4853% | 1,614 |
| Cash dividends to net income (ytd only)* | 58.1403% | 1,268 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8218% | 2,860 |
| Loan loss allowance to noncurrent loans | 134.8653% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 3.4976% | 1,801 |
| Noncurrent loans to loans | 1.3508% | 4,279 |
| Net loans and leases to total assets | 83.6079% | 247 |
| Net loans and leases to deposits | 102.8435% | 357 |
| Net loans and leases to core deposits | 113.5229% | 565 |
| Total domestic deposits to total assets | 81.2962% | 5,337 |
| Equity capital to assets | 8.8601% | 5,902 |
| Core capital (leverage) ratio | 8.8099% | 5,246 |
| Tier 1 risk-based capital ratio | 10.8539% | 6,632 |
| Total risk-based capital ratio | 12.1113% | 6,604 |
| Memoranda: |
| Average total assets | $110,078,500 | 4,672 |
| Average earning assets | $102,397,000 | 4,608 |
| Average equity | $9,664,000 | 5,141 |
| Average total loans | $92,088,250 | 3,842 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5850% | 1,098 |
| Cost of funding earning assets | 1.6010% | 689 |
| Net interest margin | 3.9840% | 2,921 |
| Noninterest income to average assets | 0.9310% | 1,534 |
| Noninterest expense to average assets | 2.6297% | 5,079 |
| Loan and lease loss provision to assets | 0.8348% | 1,087 |
| Net operating income to assets | 0.7023% | 3,538 |
| Return on assets (ROA) | 0.7023% | 3,646 |
| Pretax return on assets | 1.1742% | 2,576 |
| Return on Equity (ROE) | 8.0246% | 2,936 |
| Retained earnings to average equity (ytd only) | 2.8408% | 4,480 |
| Net charge-offs to loans | 1.1741% | 1,332 |
| Credit loss provision to net charge-offs | 85.5019% | 3,601 |
| Earnings coverage of net charge-offs (x) | 2.0576% | 3,827 |
| Efficiency ratio | 56.6901% | 6,332 |
| Assets per employee ($millions) | 5.7248% | 1,373 |
| Cash dividends to net income (ytd only)* | 64.5995% | 1,201 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3834% | 4,652 |
| Loan loss allowance to noncurrent loans | 182.0979% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 2.9190% | 2,299 |
| Noncurrent loans to loans | 0.7597% | 5,389 |
| Net loans and leases to total assets | 85.3325% | 166 |
| Net loans and leases to deposits | 106.7574% | 242 |
| Net loans and leases to core deposits | 118.1720% | 467 |
| Total domestic deposits to total assets | 79.9312% | 5,845 |
| Equity capital to assets | 8.8967% | 5,709 |
| Core capital (leverage) ratio | 8.9205% | 4,845 |
| Tier 1 risk-based capital ratio | 10.8111% | 6,650 |
| Total risk-based capital ratio | 12.0635% | 6,624 |
| Memoranda: |
| Average total assets | $110,203,000 | 4,698 |
| Average earning assets | $102,560,330 | 4,635 |
| Average equity | $9,645,330 | 5,139 |
| Average total loans | $91,643,000 | 3,896 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4766% | 1,364 |
| Cost of funding earning assets | 1.6290% | 730 |
| Net interest margin | 3.8476% | 3,385 |
| Noninterest income to average assets | 0.9557% | 1,450 |
| Noninterest expense to average assets | 2.5965% | 5,239 |
| Loan and lease loss provision to assets | 0.8114% | 1,036 |
| Net operating income to assets | 0.6744% | 3,634 |
| Return on assets (ROA) | 0.6744% | 3,705 |
| Pretax return on assets | 1.1251% | 2,664 |
| Return on Equity (ROE) | 7.7678% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.7678% | 1,821 |
| Net charge-offs to loans | 2.2963% | 523 |
| Credit loss provision to net charge-offs | 43.3526% | 3,885 |
| Earnings coverage of net charge-offs (x) | 1.0347% | 3,884 |
| Efficiency ratio | 57.2792% | 6,350 |
| Assets per employee ($millions) | 6.0909% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2168% | 5,546 |
| Loan loss allowance to noncurrent loans | 147.9564% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 3.1094% | 2,220 |
| Noncurrent loans to loans | 0.8224% | 5,387 |
| Net loans and leases to total assets | 80.4117% | 477 |
| Net loans and leases to deposits | 99.7251% | 479 |
| Net loans and leases to core deposits | 113.0197% | 628 |
| Total domestic deposits to total assets | 80.6334% | 5,776 |
| Equity capital to assets | 8.8684% | 5,396 |
| Core capital (leverage) ratio | 8.8358% | 4,874 |
| Tier 1 risk-based capital ratio | 11.2844% | 6,269 |
| Total risk-based capital ratio | 12.5448% | 6,243 |
| Memoranda: |
| Average total assets | $110,919,000 | 4,714 |
| Average earning assets | $103,130,000 | 4,653 |
| Average equity | $9,629,500 | 5,141 |
| Average total loans | $90,405,000 | 3,970 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5864% | 1,952 |
| Cost of funding earning assets | 2.0047% | 596 |
| Net interest margin | 3.5817% | 4,902 |
| Noninterest income to average assets | 1.1722% | 1,075 |
| Noninterest expense to average assets | 2.6998% | 4,991 |
| Loan and lease loss provision to assets | 0.8049% | 2,021 |
| Net operating income to assets | 0.5944% | 3,695 |
| Return on assets (ROA) | 0.5944% | 3,862 |
| Pretax return on assets | 0.9987% | 2,933 |
| Return on Equity (ROE) | 7.0075% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.0075% | 1,318 |
| Net charge-offs to loans | 0.4585% | 3,784 |
| Credit loss provision to net charge-offs | 213.7255% | 1,424 |
| Earnings coverage of net charge-offs (x) | 4.7892% | 2,804 |
| Efficiency ratio | 59.9508% | 6,058 |
| Assets per employee ($millions) | 6.2334% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5072% | 3,967 |
| Loan loss allowance to noncurrent loans | 76.8802% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 3.5383% | 1,951 |
| Noncurrent loans to loans | 1.9604% | 3,623 |
| Net loans and leases to total assets | 80.3763% | 619 |
| Net loans and leases to deposits | 100.3986% | 553 |
| Net loans and leases to core deposits | 113.0552% | 775 |
| Total domestic deposits to total assets | 80.0572% | 5,819 |
| Equity capital to assets | 8.4990% | 5,859 |
| Core capital (leverage) ratio | 8.5163% | 5,333 |
| Tier 1 risk-based capital ratio | 10.7174% | 6,559 |
| Total risk-based capital ratio | 11.9655% | 6,526 |
| Memoranda: |
| Average total assets | $108,342,600 | 4,761 |
| Average earning assets | $100,762,400 | 4,706 |
| Average equity | $9,190,200 | 5,363 |
| Average total loans | $88,980,400 | 4,077 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5939% | 2,085 |
| Cost of funding earning assets | 2.0813% | 574 |
| Net interest margin | 3.5126% | 5,239 |
| Noninterest income to average assets | 0.9971% | 1,472 |
| Noninterest expense to average assets | 2.5628% | 5,458 |
| Loan and lease loss provision to assets | 0.7053% | 2,172 |
| Net operating income to assets | 0.5737% | 3,989 |
| Return on assets (ROA) | 0.5737% | 4,155 |
| Pretax return on assets | 0.9896% | 3,217 |
| Return on Equity (ROE) | 6.7662% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.7662% | 1,959 |
| Net charge-offs to loans | 0.3849% | 3,750 |
| Credit loss provision to net charge-offs | 222.7451% | 1,553 |
| Earnings coverage of net charge-offs (x) | 5.3530% | 2,769 |
| Efficiency ratio | 60.1925% | 5,917 |
| Assets per employee ($millions) | 6.1678% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3742% | 4,605 |
| Loan loss allowance to noncurrent loans | 53.2496% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 3.8803% | 1,822 |
| Noncurrent loans to loans | 2.5806% | 3,049 |
| Net loans and leases to total assets | 79.4516% | 833 |
| Net loans and leases to deposits | 99.4891% | 689 |
| Net loans and leases to core deposits | 112.6956% | 898 |
| Total domestic deposits to total assets | 79.8597% | 5,749 |
| Equity capital to assets | 8.4326% | 6,356 |
| Core capital (leverage) ratio | 8.4805% | 5,545 |
| Tier 1 risk-based capital ratio | 10.8875% | 6,472 |
| Total risk-based capital ratio | 12.1395% | 6,452 |
| Memoranda: |
| Average total assets | $107,378,000 | 4,851 |
| Average earning assets | $99,677,500 | 4,790 |
| Average equity | $9,103,750 | 5,465 |
| Average total loans | $88,334,750 | 4,160 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7312% | 1,648 |
| Cost of funding earning assets | 2.1324% | 589 |
| Net interest margin | 3.5987% | 4,814 |
| Noninterest income to average assets | 0.9269% | 1,594 |
| Noninterest expense to average assets | 2.5414% | 5,563 |
| Loan and lease loss provision to assets | 0.7799% | 1,847 |
| Net operating income to assets | 0.5350% | 4,175 |
| Return on assets (ROA) | 0.5350% | 4,321 |
| Pretax return on assets | 0.9438% | 3,331 |
| Return on Equity (ROE) | 6.2987% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.2987% | 2,168 |
| Net charge-offs to loans | 0.2842% | 3,917 |
| Credit loss provision to net charge-offs | 331.2000% | 1,104 |
| Earnings coverage of net charge-offs (x) | 7.3200% | 2,320 |
| Efficiency ratio | 59.5848% | 6,123 |
| Assets per employee ($millions) | 6.0540% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3713% | 4,573 |
| Loan loss allowance to noncurrent loans | 63.8242% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 3.4761% | 2,021 |
| Noncurrent loans to loans | 2.1486% | 3,528 |
| Net loans and leases to total assets | 79.5314% | 869 |
| Net loans and leases to deposits | 100.4416% | 686 |
| Net loans and leases to core deposits | 114.1918% | 911 |
| Total domestic deposits to total assets | 79.1818% | 5,985 |
| Equity capital to assets | 8.4279% | 6,257 |
| Core capital (leverage) ratio | 8.4995% | 5,409 |
| Tier 1 risk-based capital ratio | 11.1172% | 6,127 |
| Total risk-based capital ratio | 12.3816% | 6,099 |
| Memoranda: |
| Average total assets | $106,163,670 | 4,910 |
| Average earning assets | $98,479,330 | 4,861 |
| Average equity | $9,017,670 | 5,497 |
| Average total loans | $87,967,330 | 4,197 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8306% | 1,374 |
| Cost of funding earning assets | 2.1668% | 656 |
| Net interest margin | 3.6637% | 4,419 |
| Noninterest income to average assets | 0.4162% | 4,765 |
| Noninterest expense to average assets | 2.4437% | 5,937 |
| Loan and lease loss provision to assets | 0.9355% | 1,349 |
| Net operating income to assets | 0.2596% | 5,454 |
| Return on assets (ROA) | 0.2596% | 5,581 |
| Pretax return on assets | 0.4200% | 5,229 |
| Return on Equity (ROE) | 3.0444% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.0444% | 4,311 |
| Net charge-offs to loans | 0.5545% | 2,419 |
| Credit loss provision to net charge-offs | 200.8197% | 1,843 |
| Earnings coverage of net charge-offs (x) | 2.9098% | 3,096 |
| Efficiency ratio | 64.3216% | 5,434 |
| Assets per employee ($millions) | 5.9533% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1816% | 5,593 |
| Loan loss allowance to noncurrent loans | 53.2275% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 3.5947% | 1,953 |
| Noncurrent loans to loans | 2.2199% | 3,498 |
| Net loans and leases to total assets | 81.0879% | 702 |
| Net loans and leases to deposits | 103.0894% | 584 |
| Net loans and leases to core deposits | 116.6318% | 924 |
| Total domestic deposits to total assets | 78.6579% | 6,164 |
| Equity capital to assets | 8.3670% | 6,199 |
| Core capital (leverage) ratio | 8.6032% | 5,194 |
| Tier 1 risk-based capital ratio | 10.7395% | 6,398 |
| Total risk-based capital ratio | 11.9837% | 6,392 |
| Memoranda: |
| Average total assets | $104,759,500 | 5,018 |
| Average earning assets | $96,731,500 | 4,965 |
| Average equity | $8,934,500 | 5,563 |
| Average total loans | $88,015,000 | 4,255 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9839% | 1,931 |
| Cost of funding earning assets | 2.7866% | 463 |
| Net interest margin | 3.1974% | 6,104 |
| Noninterest income to average assets | 0.9978% | 1,582 |
| Noninterest expense to average assets | 2.7901% | 5,014 |
| Loan and lease loss provision to assets | 1.1399% | 1,997 |
| Net operating income to assets | 0.0145% | 5,447 |
| Return on assets (ROA) | 0.0145% | 5,491 |
| Pretax return on assets | 0.0145% | 5,404 |
| Return on Equity (ROE) | 0.1634% | 5,483 |
| Retained earnings to average equity (ytd only) | -1.7624% | 5,452 |
| Net charge-offs to loans | 1.3095% | 1,897 |
| Credit loss provision to net charge-offs | 100.4570% | 5,491 |
| Earnings coverage of net charge-offs (x) | 1.0174% | 5,099 |
| Efficiency ratio | 70.7336% | 4,487 |
| Assets per employee ($millions) | 5.6867% | 1,482 |
| Cash dividends to net income (ytd only)* | 1,178.5714% | 25 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0398% | 6,174 |
| Loan loss allowance to noncurrent loans | 44.0385% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.8882% | 1,712 |
| Noncurrent loans to loans | 2.3610% | 3,211 |
| Net loans and leases to total assets | 85.1719% | 330 |
| Net loans and leases to deposits | 109.3863% | 403 |
| Net loans and leases to core deposits | 144.0834% | 670 |
| Total domestic deposits to total assets | 77.8634% | 6,252 |
| Equity capital to assets | 8.6977% | 5,586 |
| Core capital (leverage) ratio | 8.7500% | 4,840 |
| Tier 1 risk-based capital ratio | 10.1757% | 6,707 |
| Total risk-based capital ratio | 11.2235% | 6,875 |
| Memoranda: |
| Average total assets | $96,412,400 | 5,185 |
| Average earning assets | $88,854,400 | 5,158 |
| Average equity | $8,567,800 | 5,745 |
| Average total loans | $83,542,200 | 4,398 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0265% | 1,929 |
| Cost of funding earning assets | 2.8868% | 484 |
| Net interest margin | 3.1397% | 6,205 |
| Noninterest income to average assets | 1.0253% | 1,509 |
| Noninterest expense to average assets | 2.9103% | 4,414 |
| Loan and lease loss provision to assets | 0.9734% | 1,974 |
| Net operating income to assets | 0.0225% | 5,663 |
| Return on assets (ROA) | 0.0225% | 5,715 |
| Pretax return on assets | 0.0365% | 5,639 |
| Return on Equity (ROE) | 0.2514% | 5,701 |
| Retained earnings to average equity (ytd only) | -2.3416% | 5,787 |
| Net charge-offs to loans | 0.0728% | 5,956 |
| Credit loss provision to net charge-offs | 1,540.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 15.9773% | 1,504 |
| Efficiency ratio | 74.2386% | 3,827 |
| Assets per employee ($millions) | 5.9413% | 1,253 |
| Cash dividends to net income (ytd only)* | 1,031.3643% | 26 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8003% | 2,273 |
| Loan loss allowance to noncurrent loans | 72.0425% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 4.0336% | 1,579 |
| Noncurrent loans to loans | 2.4989% | 3,013 |
| Net loans and leases to total assets | 84.1964% | 517 |
| Net loans and leases to deposits | 109.0075% | 498 |
| Net loans and leases to core deposits | 141.7168% | 841 |
| Total domestic deposits to total assets | 77.2391% | 6,278 |
| Equity capital to assets | 8.8206% | 5,754 |
| Core capital (leverage) ratio | 8.9069% | 4,799 |
| Tier 1 risk-based capital ratio | 10.3235% | 6,654 |
| Total risk-based capital ratio | 11.5825% | 6,586 |
| Memoranda: |
| Average total assets | $94,925,500 | 5,273 |
| Average earning assets | $87,522,500 | 5,245 |
| Average equity | $8,484,000 | 5,828 |
| Average total loans | $82,403,250 | 4,473 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9627% | 2,333 |
| Cost of funding earning assets | 2.9532% | 533 |
| Net interest margin | 3.0095% | 6,525 |
| Noninterest income to average assets | 1.0807% | 1,363 |
| Noninterest expense to average assets | 3.0872% | 3,751 |
| Loan and lease loss provision to assets | 0.9795% | 1,723 |
| Net operating income to assets | -0.2217% | 6,221 |
| Return on assets (ROA) | -0.2217% | 6,240 |
| Pretax return on assets | -0.2217% | 6,147 |
| Return on Equity (ROE) | -2.4693% | 6,293 |
| Retained earnings to average equity (ytd only) | -6.4251% | 6,504 |
| Net charge-offs to loans | 0.0938% | 5,244 |
| Credit loss provision to net charge-offs | 1,197.3684% | 421 |
| Earnings coverage of net charge-offs (x) | 9.2632% | 2,156 |
| Efficiency ratio | 80.2912% | 2,993 |
| Assets per employee ($millions) | 5.6385% | 1,464 |
| Cash dividends to net income (ytd only)* | -160.1942% | 8,105 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5961% | 2,763 |
| Loan loss allowance to noncurrent loans | 42.4281% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 5.2475% | 977 |
| Noncurrent loans to loans | 3.7618% | 1,833 |
| Net loans and leases to total assets | 85.4165% | 449 |
| Net loans and leases to deposits | 113.6598% | 411 |
| Net loans and leases to core deposits | 152.6284% | 589 |
| Total domestic deposits to total assets | 75.1510% | 6,734 |
| Equity capital to assets | 9.1764% | 5,054 |
| Core capital (leverage) ratio | 9.2695% | 4,211 |
| Tier 1 risk-based capital ratio | 10.2878% | 6,609 |
| Total risk-based capital ratio | 11.5429% | 6,537 |
| Memoranda: |
| Average total assets | $92,900,000 | 5,373 |
| Average earning assets | $85,330,000 | 5,364 |
| Average equity | $8,342,330 | 5,904 |
| Average total loans | $81,004,670 | 4,558 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9216% | 2,692 |
| Cost of funding earning assets | 3.0853% | 478 |
| Net interest margin | 2.8362% | 6,910 |
| Noninterest income to average assets | 1.1288% | 1,158 |
| Noninterest expense to average assets | 3.0190% | 3,684 |
| Loan and lease loss provision to assets | 0.3938% | 2,968 |
| Net operating income to assets | 0.2231% | 5,592 |
| Return on assets (ROA) | 0.2231% | 5,752 |
| Pretax return on assets | 0.3063% | 5,669 |
| Return on Equity (ROE) | 2.5137% | 5,567 |
| Retained earnings to average equity (ytd only) | -5.6189% | 6,637 |
| Net charge-offs to loans | 0.1602% | 3,680 |
| Credit loss provision to net charge-offs | 281.2500% | 1,713 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,773 |
| Efficiency ratio | 81.1765% | 2,654 |
| Assets per employee ($millions) | 5.8396% | 1,294 |
| Cash dividends to net income (ytd only)* | 323.5294% | 141 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2094% | 4,739 |
| Loan loss allowance to noncurrent loans | 32.8809% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 5.5430% | 764 |
| Noncurrent loans to loans | 3.6781% | 1,702 |
| Net loans and leases to total assets | 84.7163% | 591 |
| Net loans and leases to deposits | 111.1450% | 560 |
| Net loans and leases to core deposits | 148.2072% | 770 |
| Total domestic deposits to total assets | 76.2215% | 6,470 |
| Equity capital to assets | 8.6190% | 5,887 |
| Core capital (leverage) ratio | 8.7160% | 5,126 |
| Tier 1 risk-based capital ratio | 9.5720% | 7,369 |
| Total risk-based capital ratio | 10.7266% | 7,395 |
| Memoranda: |
| Average total assets | $91,422,500 | 5,441 |
| Average earning assets | $83,491,500 | 5,444 |
| Average equity | $8,115,500 | 6,012 |
| Average total loans | $79,905,000 | 4,622 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8116% | 1,641 |
| Cost of funding earning assets | 3.4368% | 634 |
| Net interest margin | 3.3749% | 5,767 |
| Noninterest income to average assets | 0.5233% | 4,441 |
| Noninterest expense to average assets | 3.0181% | 4,021 |
| Loan and lease loss provision to assets | 0.2990% | 3,985 |
| Net operating income to assets | 0.1592% | 5,961 |
| Return on assets (ROA) | 0.1592% | 5,790 |
| Pretax return on assets | 0.2966% | 5,520 |
| Return on Equity (ROE) | 1.6273% | 5,733 |
| Retained earnings to average equity (ytd only) | 1.0109% | 4,621 |
| Net charge-offs to loans | 0.1926% | 4,263 |
| Credit loss provision to net charge-offs | 174.6479% | 2,912 |
| Earnings coverage of net charge-offs (x) | 3.4789% | 4,350 |
| Efficiency ratio | 83.5169% | 2,111 |
| Assets per employee ($millions) | 5.5883% | 1,398 |
| Cash dividends to net income (ytd only)* | 37.8788% | 3,742 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1432% | 4,972 |
| Loan loss allowance to noncurrent loans | 111.2332% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 3.0410% | 1,510 |
| Noncurrent loans to loans | 1.0278% | 4,533 |
| Net loans and leases to total assets | 88.1056% | 356 |
| Net loans and leases to deposits | 116.3963% | 508 |
| Net loans and leases to core deposits | 150.0371% | 856 |
| Total domestic deposits to total assets | 75.6945% | 6,305 |
| Equity capital to assets | 9.1464% | 5,158 |
| Core capital (leverage) ratio | 9.4183% | 4,134 |
| Tier 1 risk-based capital ratio | 9.9207% | 6,823 |
| Total risk-based capital ratio | 11.0301% | 6,867 |
| Memoranda: |
| Average total assets | $82,932,200 | 5,593 |
| Average earning assets | $75,943,600 | 5,585 |
| Average equity | $8,111,800 | 6,040 |
| Average total loans | $73,715,800 | 4,751 |
