| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5442% | 3,837 |
| Cost of funding earning assets | 1.1214% | 3,850 |
| Net interest margin | 3.4228% | 2,512 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 2.5554% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8996% | 2,576 |
| Return on assets (ROA) | 0.8996% | 2,587 |
| Pretax return on assets | 0.9408% | 2,877 |
| Return on Equity (ROE) | 14.8300% | 1,105 |
| Retained earnings to average equity (ytd only) | 8.6644% | 1,517 |
| Net charge-offs to loans | -0.0065% | 3,804 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 73.0914% | 1,517 |
| Assets per employee ($millions) | 8.1116% | 1,502 |
| Cash dividends to net income (ytd only)* | 41.5751% | 1,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0679% | 2,882 |
| Loan loss allowance to noncurrent loans | 168.6300% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 2,013 |
| Noncurrent loans to loans | 0.6333% | 1,585 |
| Net loans and leases to total assets | 50.1400% | 3,561 |
| Net loans and leases to deposits | 54.0041% | 3,732 |
| Net loans and leases to core deposits | 56.8542% | 3,794 |
| Total domestic deposits to total assets | 92.8400% | 156 |
| Equity capital to assets | 6.3054% | 4,197 |
| Core capital (leverage) ratio | 8.5113% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3273% | 1,001 |
| Memoranda: |
| Average total assets | $242,780,000 | 2,769 |
| Average earning assets | $231,855,000 | 2,730 |
| Average equity | $14,727,000 | 3,396 |
| Average total loans | $123,870,000 | 2,993 |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4571% | 3,920 |
| Cost of funding earning assets | 1.1339% | 3,897 |
| Net interest margin | 3.3232% | 2,452 |
| Noninterest income to average assets | 0.2900% | 3,113 |
| Noninterest expense to average assets | 2.4142% | 2,541 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 0.9460% | 2,230 |
| Return on assets (ROA) | 0.9488% | 2,222 |
| Pretax return on assets | 0.9900% | 2,558 |
| Return on Equity (ROE) | 17.7000% | 596 |
| Retained earnings to average equity (ytd only) | 8.8973% | 828 |
| Net charge-offs to loans | 0.0638% | 1,496 |
| Credit loss provision to net charge-offs | 233.3333% | 1,042 |
| Earnings coverage of net charge-offs (x) | 34.5600% | 1,440 |
| Efficiency ratio | 69.5166% | 2,055 |
| Assets per employee ($millions) | 8.0738% | 1,499 |
| Cash dividends to net income (ytd only)* | 49.7202% | 1,643 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0569% | 2,913 |
| Loan loss allowance to noncurrent loans | 133.7742% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 1,696 |
| Noncurrent loans to loans | 0.7901% | 1,247 |
| Net loans and leases to total assets | 50.8200% | 3,586 |
| Net loans and leases to deposits | 54.5019% | 3,777 |
| Net loans and leases to core deposits | 57.3625% | 3,842 |
| Total domestic deposits to total assets | 93.2500% | 148 |
| Equity capital to assets | 5.8255% | 4,235 |
| Core capital (leverage) ratio | 8.2182% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1124% | 1,037 |
| Memoranda: |
| Average total assets | $244,847,400 | 2,731 |
| Average earning assets | $234,232,400 | 2,686 |
| Average equity | $13,127,600 | 3,503 |
| Average total loans | $117,602,200 | 3,031 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4248% | 3,929 |
| Cost of funding earning assets | 1.1299% | 3,905 |
| Net interest margin | 3.2949% | 2,454 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 2.4428% | 2,406 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.8794% | 2,446 |
| Return on assets (ROA) | 0.8831% | 2,446 |
| Pretax return on assets | 0.9102% | 2,781 |
| Return on Equity (ROE) | 16.8300% | 709 |
| Retained earnings to average equity (ytd only) | 10.0603% | 844 |
| Net charge-offs to loans | -0.0184% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 70.9240% | 1,914 |
| Assets per employee ($millions) | 8.3330% | 1,330 |
| Cash dividends to net income (ytd only)* | 40.2214% | 1,745 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1527% | 2,473 |
| Loan loss allowance to noncurrent loans | 127.4705% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 1,513 |
| Noncurrent loans to loans | 0.9043% | 1,105 |
| Net loans and leases to total assets | 49.8900% | 3,640 |
| Net loans and leases to deposits | 53.7692% | 3,830 |
| Net loans and leases to core deposits | 56.2896% | 3,897 |
| Total domestic deposits to total assets | 92.7900% | 111 |
| Equity capital to assets | 6.3135% | 4,281 |
| Core capital (leverage) ratio | 8.1321% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6591% | 979 |
| Memoranda: |
| Average total assets | $245,506,000 | 2,723 |
| Average earning assets | $234,943,000 | 2,677 |
| Average equity | $12,882,000 | 3,537 |
| Average total loans | $115,898,000 | 3,039 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3720% | 3,949 |
| Cost of funding earning assets | 1.1082% | 3,909 |
| Net interest margin | 3.2638% | 2,491 |
| Noninterest income to average assets | 0.3100% | 2,924 |
| Noninterest expense to average assets | 2.4304% | 2,436 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 0.8908% | 2,339 |
| Return on assets (ROA) | 0.8963% | 2,330 |
| Pretax return on assets | 0.9247% | 2,697 |
| Return on Equity (ROE) | 18.3000% | 586 |
| Retained earnings to average equity (ytd only) | 9.9749% | 888 |
| Net charge-offs to loans | -0.0246% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 70.8481% | 2,000 |
| Assets per employee ($millions) | 7.6313% | 1,651 |
| Cash dividends to net income (ytd only)* | 45.4792% | 1,615 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1172% | 2,695 |
| Loan loss allowance to noncurrent loans | 216.4495% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 2,130 |
| Noncurrent loans to loans | 0.5162% | 1,718 |
| Net loans and leases to total assets | 49.7200% | 3,657 |
| Net loans and leases to deposits | 54.1680% | 3,807 |
| Net loans and leases to core deposits | 56.9661% | 3,864 |
| Total domestic deposits to total assets | 91.7900% | 299 |
| Equity capital to assets | 5.2027% | 4,346 |
| Core capital (leverage) ratio | 7.9280% | 4,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8568% | 948 |
| Memoranda: |
| Average total assets | $246,788,667 | 2,713 |
| Average earning assets | $236,229,333 | 2,671 |
| Average equity | $12,090,333 | 3,585 |
| Average total loans | $113,873,667 | 3,061 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2715% | 3,994 |
| Cost of funding earning assets | 1.0910% | 3,894 |
| Net interest margin | 3.1805% | 2,605 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 2.4613% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8130% | 2,503 |
| Return on assets (ROA) | 0.8130% | 2,519 |
| Pretax return on assets | 0.8448% | 2,816 |
| Return on Equity (ROE) | 17.0900% | 710 |
| Retained earnings to average equity (ytd only) | 14.1552% | 488 |
| Net charge-offs to loans | -0.0072% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.4476% | 1,700 |
| Assets per employee ($millions) | 8.1452% | 1,367 |
| Cash dividends to net income (ytd only)* | 17.1875% | 2,046 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0676% | 2,963 |
| Loan loss allowance to noncurrent loans | 197.2447% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 2,137 |
| Noncurrent loans to loans | 0.5413% | 1,567 |
| Net loans and leases to total assets | 44.6600% | 3,868 |
| Net loans and leases to deposits | 49.3798% | 3,941 |
| Net loans and leases to core deposits | 51.7810% | 4,041 |
| Total domestic deposits to total assets | 90.4500% | 654 |
| Equity capital to assets | 4.7920% | 4,396 |
| Core capital (leverage) ratio | 7.5478% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2841% | 1,035 |
| Memoranda: |
| Average total assets | $251,897,500 | 2,686 |
| Average earning assets | $241,977,000 | 2,641 |
| Average equity | $11,981,500 | 3,607 |
| Average total loans | $111,332,500 | 3,095 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7446% | 4,234 |
| Cost of funding earning assets | 0.6260% | 4,036 |
| Net interest margin | 3.1186% | 3,058 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.2563% | 2,966 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9781% | 2,282 |
| Return on assets (ROA) | 0.9365% | 2,400 |
| Pretax return on assets | 0.9649% | 2,767 |
| Return on Equity (ROE) | 24.2200% | 345 |
| Retained earnings to average equity (ytd only) | 16.1046% | 263 |
| Net charge-offs to loans | 0.2146% | 506 |
| Credit loss provision to net charge-offs | 44.9541% | 2,215 |
| Earnings coverage of net charge-offs (x) | 11.7706% | 2,177 |
| Efficiency ratio | 68.0846% | 2,099 |
| Assets per employee ($millions) | 8.1062% | 1,385 |
| Cash dividends to net income (ytd only)* | 33.4947% | 2,408 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1180% | 2,743 |
| Loan loss allowance to noncurrent loans | 196.6019% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 1,984 |
| Noncurrent loans to loans | 0.5687% | 1,378 |
| Net loans and leases to total assets | 42.7600% | 3,945 |
| Net loans and leases to deposits | 46.2380% | 4,039 |
| Net loans and leases to core deposits | 47.5994% | 4,135 |
| Total domestic deposits to total assets | 92.4800% | 231 |
| Equity capital to assets | 4.7208% | 4,447 |
| Core capital (leverage) ratio | 7.5870% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4163% | 1,011 |
| Memoranda: |
| Average total assets | $242,605,800 | 2,724 |
| Average earning assets | $231,482,200 | 2,677 |
| Average equity | $9,382,400 | 3,783 |
| Average total loans | $101,584,000 | 3,161 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6636% | 4,251 |
| Cost of funding earning assets | 0.5459% | 4,067 |
| Net interest margin | 3.1177% | 3,109 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.2941% | 2,812 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9339% | 2,567 |
| Return on assets (ROA) | 0.9366% | 2,549 |
| Pretax return on assets | 0.9693% | 2,933 |
| Return on Equity (ROE) | 25.6800% | 364 |
| Retained earnings to average equity (ytd only) | 20.1941% | 252 |
| Net charge-offs to loans | 0.2925% | 297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 7.9589% | 2,214 |
| Efficiency ratio | 70.3571% | 1,748 |
| Assets per employee ($millions) | 7.8959% | 1,398 |
| Cash dividends to net income (ytd only)* | 21.3736% | 2,407 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0565% | 3,087 |
| Loan loss allowance to noncurrent loans | 183.3893% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 2,036 |
| Noncurrent loans to loans | 0.5761% | 1,393 |
| Net loans and leases to total assets | 41.8200% | 3,994 |
| Net loans and leases to deposits | 45.7320% | 4,057 |
| Net loans and leases to core deposits | 47.0646% | 4,105 |
| Total domestic deposits to total assets | 91.4400% | 571 |
| Equity capital to assets | 3.2495% | 4,472 |
| Core capital (leverage) ratio | 7.6656% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8691% | 962 |
| Memoranda: |
| Average total assets | $240,439,750 | 2,741 |
| Average earning assets | $229,096,500 | 2,696 |
| Average equity | $8,768,000 | 3,852 |
| Average total loans | $99,812,000 | 3,180 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5662% | 4,285 |
| Cost of funding earning assets | 0.4267% | 4,121 |
| Net interest margin | 3.1395% | 3,135 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.3113% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9500% | 2,588 |
| Return on assets (ROA) | 0.9540% | 2,560 |
| Pretax return on assets | 0.9908% | 2,938 |
| Return on Equity (ROE) | 25.2200% | 373 |
| Retained earnings to average equity (ytd only) | 19.9572% | 250 |
| Net charge-offs to loans | -0.0061% | 3,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.0837% | 1,756 |
| Assets per employee ($millions) | 8.1313% | 1,262 |
| Cash dividends to net income (ytd only)* | 20.8772% | 2,416 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3330% | 1,791 |
| Loan loss allowance to noncurrent loans | 223.3723% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 1,931 |
| Noncurrent loans to loans | 0.5968% | 1,251 |
| Net loans and leases to total assets | 42.0000% | 3,964 |
| Net loans and leases to deposits | 46.2233% | 4,039 |
| Net loans and leases to core deposits | 47.4077% | 4,095 |
| Total domestic deposits to total assets | 90.8600% | 690 |
| Equity capital to assets | 3.8010% | 4,519 |
| Core capital (leverage) ratio | 7.6204% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2537% | 922 |
| Memoranda: |
| Average total assets | $238,995,333 | 2,756 |
| Average earning assets | $227,807,333 | 2,709 |
| Average equity | $9,039,333 | 3,843 |
| Average total loans | $98,599,333 | 3,188 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4304% | 4,344 |
| Cost of funding earning assets | 0.2662% | 4,266 |
| Net interest margin | 3.1643% | 3,200 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.3526% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9078% | 2,825 |
| Return on assets (ROA) | 0.9078% | 2,785 |
| Pretax return on assets | 0.9560% | 3,109 |
| Return on Equity (ROE) | 24.0600% | 452 |
| Retained earnings to average equity (ytd only) | 24.0595% | 208 |
| Net charge-offs to loans | -0.0041% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.1055% | 1,624 |
| Assets per employee ($millions) | 8.2670% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3278% | 1,908 |
| Loan loss allowance to noncurrent loans | 3,036.3636% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,627 |
| Noncurrent loans to loans | 0.0437% | 3,426 |
| Net loans and leases to total assets | 41.4100% | 3,980 |
| Net loans and leases to deposits | 45.0956% | 4,064 |
| Net loans and leases to core deposits | 45.5947% | 4,123 |
| Total domestic deposits to total assets | 91.8300% | 556 |
| Equity capital to assets | 4.2308% | 4,524 |
| Core capital (leverage) ratio | 7.4164% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1196% | 979 |
| Memoranda: |
| Average total assets | $240,589,500 | 2,786 |
| Average earning assets | $229,941,500 | 2,736 |
| Average equity | $9,077,500 | 3,888 |
| Average total loans | $97,711,000 | 3,235 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9575% | 4,182 |
| Cost of funding earning assets | 0.1636% | 4,040 |
| Net interest margin | 2.7939% | 3,907 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.9771% | 3,648 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8994% | 2,965 |
| Return on assets (ROA) | 0.8994% | 2,900 |
| Pretax return on assets | 0.9612% | 3,192 |
| Return on Equity (ROE) | 21.9700% | 338 |
| Retained earnings to average equity (ytd only) | 15.2253% | 278 |
| Net charge-offs to loans | 0.0251% | 1,558 |
| Credit loss provision to net charge-offs | 260.8696% | 982 |
| Earnings coverage of net charge-offs (x) | 104.1304% | 959 |
| Efficiency ratio | 66.7269% | 2,118 |
| Assets per employee ($millions) | 8.3254% | 1,178 |
| Cash dividends to net income (ytd only)* | 30.7094% | 2,402 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4957% | 1,217 |
| Loan loss allowance to noncurrent loans | 141,800.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,965 |
| Noncurrent loans to loans | 0.0011% | 3,897 |
| Net loans and leases to total assets | 38.6800% | 4,119 |
| Net loans and leases to deposits | 40.2523% | 4,240 |
| Net loans and leases to core deposits | 40.7277% | 4,262 |
| Total domestic deposits to total assets | 96.0900% | 78 |
| Equity capital to assets | 3.3185% | 4,578 |
| Core capital (leverage) ratio | 6.8706% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2267% | 950 |
| Memoranda: |
| Average total assets | $242,936,400 | 2,768 |
| Average earning assets | $232,258,400 | 2,721 |
| Average equity | $9,944,000 | 3,878 |
| Average total loans | $91,761,000 | 3,268 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7875% | 4,207 |
| Cost of funding earning assets | 0.1610% | 3,723 |
| Net interest margin | 2.6265% | 4,061 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.0045% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7409% | 3,444 |
| Return on assets (ROA) | 0.7409% | 3,393 |
| Pretax return on assets | 0.8044% | 3,566 |
| Return on Equity (ROE) | 17.2900% | 745 |
| Retained earnings to average equity (ytd only) | 11.9047% | 819 |
| Net charge-offs to loans | -0.0015% | 3,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.3617% | 1,607 |
| Assets per employee ($millions) | 8.7555% | 984 |
| Cash dividends to net income (ytd only)* | 31.1391% | 1,980 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5393% | 1,191 |
| Loan loss allowance to noncurrent loans | 138,200.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,045 |
| Noncurrent loans to loans | 0.0011% | 3,977 |
| Net loans and leases to total assets | 34.8200% | 4,278 |
| Net loans and leases to deposits | 35.7775% | 4,370 |
| Net loans and leases to core deposits | 36.2104% | 4,398 |
| Total domestic deposits to total assets | 97.3100% | 70 |
| Equity capital to assets | 2.1705% | 4,653 |
| Core capital (leverage) ratio | 6.7202% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0418% | 981 |
| Memoranda: |
| Average total assets | $243,311,500 | 2,788 |
| Average earning assets | $232,749,750 | 2,739 |
| Average equity | $10,427,000 | 3,869 |
| Average total loans | $91,000,500 | 3,283 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6560% | 4,211 |
| Cost of funding earning assets | 0.1595% | 3,452 |
| Net interest margin | 2.4965% | 4,092 |
| Noninterest income to average assets | 0.2986% | 3,376 |
| Noninterest expense to average assets | 1.9877% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6306% | 3,542 |
| Return on assets (ROA) | 0.6306% | 3,488 |
| Pretax return on assets | 0.6998% | 3,577 |
| Return on Equity (ROE) | 12.5314% | 1,516 |
| Retained earnings to average equity (ytd only) | 7.9896% | 1,622 |
| Net charge-offs to loans | -0.0022% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9603% | 1,511 |
| Assets per employee ($millions) | 8.2139% | 1,195 |
| Cash dividends to net income (ytd only)* | 36.2434% | 1,867 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5211% | 1,350 |
| Loan loss allowance to noncurrent loans | 15,355.5556% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,024 |
| Noncurrent loans to loans | 0.0099% | 3,917 |
| Net loans and leases to total assets | 37.5611% | 4,189 |
| Net loans and leases to deposits | 39.2027% | 4,296 |
| Net loans and leases to core deposits | 39.5573% | 4,334 |
| Total domestic deposits to total assets | 95.8124% | 94 |
| Equity capital to assets | 3.7065% | 4,649 |
| Core capital (leverage) ratio | 6.7295% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4580% | 923 |
| Memoranda: |
| Average total assets | $239,779,000 | 2,830 |
| Average earning assets | $229,439,667 | 2,799 |
| Average equity | $12,065,667 | 3,777 |
| Average total loans | $91,406,667 | 3,306 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6376% | 4,054 |
| Cost of funding earning assets | 0.1597% | 3,375 |
| Net interest margin | 2.4778% | 3,943 |
| Noninterest income to average assets | 0.2644% | 3,542 |
| Noninterest expense to average assets | 2.0867% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4672% | 3,799 |
| Return on assets (ROA) | 0.4672% | 3,762 |
| Pretax return on assets | 0.5504% | 3,750 |
| Return on Equity (ROE) | 8.2140% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.2140% | 1,515 |
| Net charge-offs to loans | -0.0044% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1299% | 1,220 |
| Assets per employee ($millions) | 8.6358% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5252% | 1,478 |
| Loan loss allowance to noncurrent loans | 1,893.1507% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,738 |
| Noncurrent loans to loans | 0.0806% | 3,437 |
| Net loans and leases to total assets | 36.9014% | 4,160 |
| Net loans and leases to deposits | 38.9130% | 4,288 |
| Net loans and leases to core deposits | 39.3583% | 4,326 |
| Total domestic deposits to total assets | 94.8305% | 49 |
| Equity capital to assets | 4.6948% | 4,746 |
| Core capital (leverage) ratio | 6.9045% | 4,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4278% | 976 |
| Memoranda: |
| Average total assets | $240,566,500 | 2,843 |
| Average earning assets | $230,362,500 | 2,800 |
| Average equity | $13,684,000 | 3,687 |
| Average total loans | $91,683,000 | 3,303 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7566% | 4,256 |
| Cost of funding earning assets | 0.1715% | 3,759 |
| Net interest margin | 2.5850% | 4,067 |
| Noninterest income to average assets | 0.4179% | 2,959 |
| Noninterest expense to average assets | 2.0313% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7856% | 3,375 |
| Return on assets (ROA) | 0.8096% | 3,378 |
| Pretax return on assets | 0.8687% | 3,569 |
| Return on Equity (ROE) | 11.0817% | 2,139 |
| Retained earnings to average equity (ytd only) | 4.0667% | 3,198 |
| Net charge-offs to loans | -0.0063% | 3,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6737% | 1,659 |
| Assets per employee ($millions) | 8.2528% | 1,191 |
| Cash dividends to net income (ytd only)* | 63.3022% | 971 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4889% | 1,593 |
| Loan loss allowance to noncurrent loans | 1,517.5824% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,748 |
| Noncurrent loans to loans | 0.0981% | 3,439 |
| Net loans and leases to total assets | 38.1792% | 4,184 |
| Net loans and leases to deposits | 41.1766% | 4,301 |
| Net loans and leases to core deposits | 41.6147% | 4,353 |
| Total domestic deposits to total assets | 92.7206% | 69 |
| Equity capital to assets | 6.6920% | 4,763 |
| Core capital (leverage) ratio | 6.8273% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9157% | 1,061 |
| Memoranda: |
| Average total assets | $225,174,800 | 2,869 |
| Average earning assets | $213,961,600 | 2,844 |
| Average equity | $16,450,600 | 3,506 |
| Average total loans | $95,130,600 | 3,259 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7832% | 4,317 |
| Cost of funding earning assets | 0.1725% | 3,898 |
| Net interest margin | 2.6107% | 4,113 |
| Noninterest income to average assets | 0.4331% | 2,914 |
| Noninterest expense to average assets | 2.0514% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8566% | 3,368 |
| Return on assets (ROA) | 0.8915% | 3,346 |
| Pretax return on assets | 0.8927% | 3,711 |
| Return on Equity (ROE) | 11.9326% | 2,070 |
| Retained earnings to average equity (ytd only) | 6.6588% | 2,551 |
| Net charge-offs to loans | -0.0084% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5128% | 1,550 |
| Assets per employee ($millions) | 8.0602% | 1,247 |
| Cash dividends to net income (ytd only)* | 44.1970% | 1,434 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5055% | 1,608 |
| Loan loss allowance to noncurrent loans | 1,501.0870% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,892 |
| Noncurrent loans to loans | 0.1003% | 3,580 |
| Net loans and leases to total assets | 38.6516% | 4,272 |
| Net loans and leases to deposits | 41.8849% | 4,384 |
| Net loans and leases to core deposits | 42.4244% | 4,431 |
| Total domestic deposits to total assets | 92.2805% | 81 |
| Equity capital to assets | 7.2104% | 4,774 |
| Core capital (leverage) ratio | 7.0216% | 4,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0671% | 1,119 |
| Memoranda: |
| Average total assets | $221,635,500 | 2,927 |
| Average earning assets | $210,208,250 | 2,897 |
| Average equity | $16,559,250 | 3,546 |
| Average total loans | $95,724,250 | 3,293 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8290% | 4,309 |
| Cost of funding earning assets | 0.1712% | 4,034 |
| Net interest margin | 2.6578% | 4,065 |
| Noninterest income to average assets | 0.4357% | 2,926 |
| Noninterest expense to average assets | 2.0726% | 3,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8732% | 3,292 |
| Return on assets (ROA) | 0.8833% | 3,345 |
| Pretax return on assets | 0.8851% | 3,688 |
| Return on Equity (ROE) | 11.6761% | 2,175 |
| Retained earnings to average equity (ytd only) | 6.3058% | 2,692 |
| Net charge-offs to loans | -0.0103% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3149% | 1,596 |
| Assets per employee ($millions) | 7.5843% | 1,428 |
| Cash dividends to net income (ytd only)* | 45.9938% | 1,368 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4147% | 1,907 |
| Loan loss allowance to noncurrent loans | 1,792.2078% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,023 |
| Noncurrent loans to loans | 0.0789% | 3,791 |
| Net loans and leases to total assets | 42.2652% | 4,162 |
| Net loans and leases to deposits | 45.8341% | 4,318 |
| Net loans and leases to core deposits | 46.2608% | 4,386 |
| Total domestic deposits to total assets | 92.2133% | 88 |
| Equity capital to assets | 7.3195% | 4,782 |
| Core capital (leverage) ratio | 7.2847% | 4,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9093% | 1,358 |
| Memoranda: |
| Average total assets | $217,598,333 | 2,957 |
| Average earning assets | $205,656,667 | 2,939 |
| Average equity | $16,461,000 | 3,560 |
| Average total loans | $97,056,333 | 3,295 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9347% | 4,204 |
| Cost of funding earning assets | 0.1738% | 4,132 |
| Net interest margin | 2.7609% | 3,848 |
| Noninterest income to average assets | 0.4722% | 2,737 |
| Noninterest expense to average assets | 2.2348% | 2,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8334% | 3,318 |
| Return on assets (ROA) | 0.8334% | 3,399 |
| Pretax return on assets | 0.8371% | 3,746 |
| Return on Equity (ROE) | 10.8283% | 2,415 |
| Retained earnings to average equity (ytd only) | 4.7420% | 3,301 |
| Net charge-offs to loans | -0.0124% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7495% | 1,424 |
| Assets per employee ($millions) | 7.0872% | 1,737 |
| Cash dividends to net income (ytd only)* | 56.2077% | 974 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4405% | 1,804 |
| Loan loss allowance to noncurrent loans | 1,837.3333% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 4,117 |
| Noncurrent loans to loans | 0.0784% | 3,903 |
| Net loans and leases to total assets | 42.9149% | 4,180 |
| Net loans and leases to deposits | 46.5508% | 4,322 |
| Net loans and leases to core deposits | 46.9980% | 4,407 |
| Total domestic deposits to total assets | 92.1894% | 108 |
| Equity capital to assets | 7.3422% | 4,761 |
| Core capital (leverage) ratio | 7.5455% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9379% | 1,585 |
| Memoranda: |
| Average total assets | $212,632,500 | 2,987 |
| Average earning assets | $200,224,500 | 2,966 |
| Average equity | $16,364,500 | 3,574 |
| Average total loans | $96,811,500 | 3,309 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7253% | 3,512 |
| Cost of funding earning assets | 0.1886% | 4,622 |
| Net interest margin | 3.5368% | 2,349 |
| Noninterest income to average assets | 0.4618% | 2,811 |
| Noninterest expense to average assets | 2.5093% | 2,817 |
| Loan and lease loss provision to assets | 0.1383% | 2,631 |
| Net operating income to assets | 1.1327% | 1,793 |
| Return on assets (ROA) | 1.1504% | 1,846 |
| Pretax return on assets | 1.1515% | 2,511 |
| Return on Equity (ROE) | 13.0645% | 1,027 |
| Retained earnings to average equity (ytd only) | 2.1795% | 3,751 |
| Net charge-offs to loans | 0.1291% | 1,222 |
| Credit loss provision to net charge-offs | 195.3125% | 2,183 |
| Earnings coverage of net charge-offs (x) | 17.9688% | 2,045 |
| Efficiency ratio | 66.3595% | 2,476 |
| Assets per employee ($millions) | 6.8521% | 1,677 |
| Cash dividends to net income (ytd only)* | 83.3173% | 554 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4036% | 1,960 |
| Loan loss allowance to noncurrent loans | 1,494.5652% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 4,006 |
| Noncurrent loans to loans | 0.0939% | 3,920 |
| Net loans and leases to total assets | 46.9856% | 4,055 |
| Net loans and leases to deposits | 51.4168% | 4,249 |
| Net loans and leases to core deposits | 51.9478% | 4,344 |
| Total domestic deposits to total assets | 91.3817% | 149 |
| Equity capital to assets | 8.0744% | 4,674 |
| Core capital (leverage) ratio | 7.8325% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3455% | 1,727 |
| Memoranda: |
| Average total assets | $180,808,800 | 3,096 |
| Average earning assets | $169,703,000 | 3,075 |
| Average equity | $15,921,000 | 3,562 |
| Average total loans | $99,162,200 | 3,245 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8104% | 3,534 |
| Cost of funding earning assets | 0.1872% | 4,710 |
| Net interest margin | 3.6232% | 2,182 |
| Noninterest income to average assets | 0.4734% | 2,724 |
| Noninterest expense to average assets | 2.6342% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2369% | 1,527 |
| Return on assets (ROA) | 1.2430% | 1,625 |
| Pretax return on assets | 1.2446% | 2,250 |
| Return on Equity (ROE) | 13.7801% | 919 |
| Retained earnings to average equity (ytd only) | -0.8888% | 4,602 |
| Net charge-offs to loans | 0.1059% | 1,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 20.5316% | 1,897 |
| Efficiency ratio | 68.0205% | 2,191 |
| Assets per employee ($millions) | 6.3861% | 1,924 |
| Cash dividends to net income (ytd only)* | 106.4496% | 251 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1495% | 2,942 |
| Loan loss allowance to noncurrent loans | 724.6914% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 3,905 |
| Noncurrent loans to loans | 0.1586% | 3,746 |
| Net loans and leases to total assets | 50.9979% | 4,030 |
| Net loans and leases to deposits | 56.0465% | 4,255 |
| Net loans and leases to core deposits | 56.5830% | 4,360 |
| Total domestic deposits to total assets | 90.9920% | 177 |
| Equity capital to assets | 8.1068% | 4,678 |
| Core capital (leverage) ratio | 8.0632% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4388% | 2,021 |
| Memoranda: |
| Average total assets | $174,620,250 | 3,137 |
| Average earning assets | $163,828,750 | 3,114 |
| Average equity | $15,751,750 | 3,582 |
| Average total loans | $99,462,750 | 3,248 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7957% | 3,866 |
| Cost of funding earning assets | 0.1878% | 4,792 |
| Net interest margin | 3.6079% | 2,459 |
| Noninterest income to average assets | 0.5112% | 2,522 |
| Noninterest expense to average assets | 2.7463% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1433% | 1,830 |
| Return on assets (ROA) | 1.1529% | 1,920 |
| Pretax return on assets | 1.1553% | 2,525 |
| Return on Equity (ROE) | 12.3046% | 1,260 |
| Retained earnings to average equity (ytd only) | 7.0659% | 1,631 |
| Net charge-offs to loans | 0.1862% | 817 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.4022% | 2,157 |
| Efficiency ratio | 70.5629% | 1,874 |
| Assets per employee ($millions) | 6.2344% | 2,001 |
| Cash dividends to net income (ytd only)* | 42.5753% | 1,843 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1037% | 3,030 |
| Loan loss allowance to noncurrent loans | 6,450.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 4,364 |
| Noncurrent loans to loans | 0.0171% | 4,436 |
| Net loans and leases to total assets | 55.6199% | 3,721 |
| Net loans and leases to deposits | 61.7162% | 4,020 |
| Net loans and leases to core deposits | 62.4524% | 4,158 |
| Total domestic deposits to total assets | 90.1220% | 372 |
| Equity capital to assets | 8.9413% | 4,139 |
| Core capital (leverage) ratio | 8.9681% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1286% | 1,751 |
| Memoranda: |
| Average total assets | $167,061,000 | 3,179 |
| Average earning assets | $156,545,333 | 3,168 |
| Average equity | $15,652,667 | 3,589 |
| Average total loans | $98,796,000 | 3,257 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1318% | 3,427 |
| Cost of funding earning assets | 0.1908% | 4,909 |
| Net interest margin | 3.9411% | 1,548 |
| Noninterest income to average assets | 0.5246% | 2,418 |
| Noninterest expense to average assets | 2.9693% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2325% | 1,424 |
| Return on assets (ROA) | 1.2325% | 1,526 |
| Pretax return on assets | 1.2376% | 2,075 |
| Return on Equity (ROE) | 12.8064% | 910 |
| Retained earnings to average equity (ytd only) | 7.5145% | 1,374 |
| Net charge-offs to loans | -0.0167% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5811% | 2,268 |
| Assets per employee ($millions) | 5.1196% | 2,515 |
| Cash dividends to net income (ytd only)* | 41.3223% | 1,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3062% | 2,116 |
| Loan loss allowance to noncurrent loans | 546.5217% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 3,781 |
| Noncurrent loans to loans | 0.2390% | 3,629 |
| Net loans and leases to total assets | 59.8417% | 3,511 |
| Net loans and leases to deposits | 66.4328% | 3,840 |
| Net loans and leases to core deposits | 67.3658% | 4,014 |
| Total domestic deposits to total assets | 90.0786% | 301 |
| Equity capital to assets | 9.3222% | 4,374 |
| Core capital (leverage) ratio | 9.9121% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9437% | 1,359 |
| Memoranda: |
| Average total assets | $157,075,500 | 3,244 |
| Average earning assets | $146,762,500 | 3,222 |
| Average equity | $15,117,500 | 3,649 |
| Average total loans | $95,600,000 | 3,288 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5127% | 2,899 |
| Cost of funding earning assets | 0.1913% | 4,979 |
| Net interest margin | 4.3213% | 1,043 |
| Noninterest income to average assets | 0.6797% | 1,885 |
| Noninterest expense to average assets | 3.0404% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6416% | 752 |
| Return on assets (ROA) | 1.6403% | 800 |
| Pretax return on assets | 1.6416% | 1,359 |
| Return on Equity (ROE) | 16.5929% | 465 |
| Retained earnings to average equity (ytd only) | 6.0295% | 1,849 |
| Net charge-offs to loans | -0.0031% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9193% | 2,947 |
| Assets per employee ($millions) | 5.1815% | 2,356 |
| Cash dividends to net income (ytd only)* | 63.6623% | 1,403 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3194% | 1,840 |
| Loan loss allowance to noncurrent loans | 1,456.9767% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,791 |
| Noncurrent loans to loans | 0.0906% | 4,167 |
| Net loans and leases to total assets | 60.2899% | 3,557 |
| Net loans and leases to deposits | 67.4339% | 3,868 |
| Net loans and leases to core deposits | 68.2815% | 4,064 |
| Total domestic deposits to total assets | 89.4058% | 523 |
| Equity capital to assets | 9.9328% | 3,983 |
| Core capital (leverage) ratio | 9.7862% | 3,743 |
| Tier 1 risk-based capital ratio | 15.5621% | 2,559 |
| Total risk-based capital ratio | 16.8123% | 2,493 |
| Memoranda: |
| Average total assets | $149,486,000 | 3,306 |
| Average earning assets | $138,499,200 | 3,302 |
| Average equity | $14,777,400 | 3,658 |
| Average total loans | $97,461,000 | 3,260 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5387% | 2,934 |
| Cost of funding earning assets | 0.1907% | 5,053 |
| Net interest margin | 4.3480% | 1,059 |
| Noninterest income to average assets | 0.7135% | 1,728 |
| Noninterest expense to average assets | 3.0550% | 1,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6838% | 772 |
| Return on assets (ROA) | 1.6820% | 815 |
| Pretax return on assets | 1.6838% | 1,388 |
| Return on Equity (ROE) | 17.0361% | 471 |
| Retained earnings to average equity (ytd only) | 8.0390% | 1,371 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4432% | 2,943 |
| Assets per employee ($millions) | 4.9577% | 2,605 |
| Cash dividends to net income (ytd only)* | 52.8119% | 1,550 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2626% | 2,154 |
| Loan loss allowance to noncurrent loans | 249.5010% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 2,739 |
| Noncurrent loans to loans | 0.5060% | 2,779 |
| Net loans and leases to total assets | 63.6047% | 3,325 |
| Net loans and leases to deposits | 71.2259% | 3,668 |
| Net loans and leases to core deposits | 71.9192% | 3,955 |
| Total domestic deposits to total assets | 89.2999% | 519 |
| Equity capital to assets | 10.0358% | 3,983 |
| Core capital (leverage) ratio | 10.2664% | 3,345 |
| Tier 1 risk-based capital ratio | 15.2749% | 2,727 |
| Total risk-based capital ratio | 16.5250% | 2,657 |
| Memoranda: |
| Average total assets | $147,996,500 | 3,362 |
| Average earning assets | $137,070,000 | 3,361 |
| Average equity | $14,611,750 | 3,705 |
| Average total loans | $98,083,750 | 3,297 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5163% | 2,967 |
| Cost of funding earning assets | 0.1920% | 5,085 |
| Net interest margin | 4.3243% | 1,091 |
| Noninterest income to average assets | 0.6954% | 1,738 |
| Noninterest expense to average assets | 3.0952% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6058% | 898 |
| Return on assets (ROA) | 1.5989% | 960 |
| Pretax return on assets | 1.6017% | 1,545 |
| Return on Equity (ROE) | 16.2890% | 549 |
| Retained earnings to average equity (ytd only) | 5.3274% | 2,610 |
| Net charge-offs to loans | 0.0061% | 2,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 391.6667% | 202 |
| Efficiency ratio | 65.8033% | 2,835 |
| Assets per employee ($millions) | 4.7221% | 2,843 |
| Cash dividends to net income (ytd only)* | 67.2945% | 1,187 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2488% | 2,260 |
| Loan loss allowance to noncurrent loans | 172.0000% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 2,104 |
| Noncurrent loans to loans | 0.7261% | 2,178 |
| Net loans and leases to total assets | 67.3612% | 2,913 |
| Net loans and leases to deposits | 75.4497% | 3,381 |
| Net loans and leases to core deposits | 76.2201% | 3,708 |
| Total domestic deposits to total assets | 89.2796% | 550 |
| Equity capital to assets | 10.1200% | 3,863 |
| Core capital (leverage) ratio | 10.1207% | 3,482 |
| Tier 1 risk-based capital ratio | 15.0166% | 2,834 |
| Total risk-based capital ratio | 16.2670% | 2,754 |
| Memoranda: |
| Average total assets | $146,098,670 | 3,400 |
| Average earning assets | $135,420,670 | 3,403 |
| Average equity | $14,341,000 | 3,742 |
| Average total loans | $97,777,000 | 3,318 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4575% | 3,024 |
| Cost of funding earning assets | 0.1680% | 5,183 |
| Net interest margin | 4.2895% | 1,113 |
| Noninterest income to average assets | 0.6769% | 1,695 |
| Noninterest expense to average assets | 3.1325% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5265% | 1,060 |
| Return on assets (ROA) | 1.5265% | 1,083 |
| Pretax return on assets | 1.5320% | 1,674 |
| Return on Equity (ROE) | 15.7964% | 617 |
| Retained earnings to average equity (ytd only) | 12.6201% | 525 |
| Net charge-offs to loans | 0.0289% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 79.8571% | 770 |
| Efficiency ratio | 67.1563% | 2,769 |
| Assets per employee ($millions) | 4.5167% | 3,161 |
| Cash dividends to net income (ytd only)* | 20.1077% | 2,466 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2811% | 2,178 |
| Loan loss allowance to noncurrent loans | 164.6358% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 2,301 |
| Noncurrent loans to loans | 0.7782% | 2,085 |
| Net loans and leases to total assets | 66.2677% | 3,016 |
| Net loans and leases to deposits | 74.1199% | 3,440 |
| Net loans and leases to core deposits | 74.8843% | 3,740 |
| Total domestic deposits to total assets | 89.4060% | 690 |
| Equity capital to assets | 10.0460% | 3,781 |
| Core capital (leverage) ratio | 10.2911% | 3,286 |
| Tier 1 risk-based capital ratio | 15.4171% | 2,692 |
| Total risk-based capital ratio | 16.6679% | 2,603 |
| Memoranda: |
| Average total assets | $145,956,000 | 3,432 |
| Average earning assets | $135,680,500 | 3,428 |
| Average equity | $14,104,500 | 3,785 |
| Average total loans | $96,739,000 | 3,371 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4370% | 2,643 |
| Cost of funding earning assets | 0.1345% | 5,217 |
| Net interest margin | 4.3024% | 1,148 |
| Noninterest income to average assets | 0.6204% | 2,187 |
| Noninterest expense to average assets | 3.1194% | 1,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4656% | 1,218 |
| Return on assets (ROA) | 1.4656% | 1,208 |
| Pretax return on assets | 1.4684% | 1,880 |
| Return on Equity (ROE) | 16.2224% | 585 |
| Retained earnings to average equity (ytd only) | 13.8581% | 171 |
| Net charge-offs to loans | -0.0494% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9932% | 2,552 |
| Assets per employee ($millions) | 4.6055% | 3,012 |
| Cash dividends to net income (ytd only)* | 14.5743% | 3,693 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2959% | 2,058 |
| Loan loss allowance to noncurrent loans | 1,893.9394% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 4,035 |
| Noncurrent loans to loans | 0.0684% | 4,446 |
| Net loans and leases to total assets | 64.5996% | 3,287 |
| Net loans and leases to deposits | 71.6705% | 3,699 |
| Net loans and leases to core deposits | 72.3882% | 3,963 |
| Total domestic deposits to total assets | 90.1341% | 430 |
| Equity capital to assets | 9.2884% | 4,331 |
| Core capital (leverage) ratio | 9.8046% | 3,791 |
| Tier 1 risk-based capital ratio | 15.1183% | 2,774 |
| Total risk-based capital ratio | 16.3694% | 2,713 |
| Memoranda: |
| Average total assets | $141,852,200 | 3,477 |
| Average earning assets | $130,809,600 | 3,485 |
| Average equity | $12,815,600 | 3,912 |
| Average total loans | $95,065,400 | 3,387 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4138% | 2,582 |
| Cost of funding earning assets | 0.1331% | 5,269 |
| Net interest margin | 4.2807% | 1,159 |
| Noninterest income to average assets | 0.6416% | 2,110 |
| Noninterest expense to average assets | 3.1104% | 1,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4655% | 1,288 |
| Return on assets (ROA) | 1.4655% | 1,293 |
| Pretax return on assets | 1.4693% | 1,998 |
| Return on Equity (ROE) | 16.3418% | 636 |
| Retained earnings to average equity (ytd only) | 16.0454% | 134 |
| Net charge-offs to loans | -0.0605% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9171% | 2,552 |
| Assets per employee ($millions) | 4.4545% | 3,190 |
| Cash dividends to net income (ytd only)* | 1.8134% | 3,572 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3151% | 2,031 |
| Loan loss allowance to noncurrent loans | 420.9459% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 2,439 |
| Noncurrent loans to loans | 0.3124% | 3,551 |
| Net loans and leases to total assets | 65.5963% | 3,229 |
| Net loans and leases to deposits | 72.8648% | 3,690 |
| Net loans and leases to core deposits | 73.6192% | 3,968 |
| Total domestic deposits to total assets | 90.0248% | 506 |
| Equity capital to assets | 9.2169% | 4,355 |
| Core capital (leverage) ratio | 9.8264% | 3,825 |
| Tier 1 risk-based capital ratio | 15.0940% | 2,842 |
| Total risk-based capital ratio | 16.3448% | 2,764 |
| Memoranda: |
| Average total assets | $140,471,000 | 3,535 |
| Average earning assets | $129,227,000 | 3,538 |
| Average equity | $12,597,250 | 3,972 |
| Average total loans | $94,718,000 | 3,421 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4182% | 2,354 |
| Cost of funding earning assets | 0.1341% | 5,304 |
| Net interest margin | 4.2841% | 1,065 |
| Noninterest income to average assets | 0.5652% | 2,497 |
| Noninterest expense to average assets | 3.1063% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3850% | 1,492 |
| Return on assets (ROA) | 1.3850% | 1,492 |
| Pretax return on assets | 1.3908% | 2,183 |
| Return on Equity (ROE) | 15.5915% | 742 |
| Retained earnings to average equity (ytd only) | 15.5915% | 174 |
| Net charge-offs to loans | -0.0190% | 4,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0741% | 2,473 |
| Assets per employee ($millions) | 4.3892% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2504% | 2,431 |
| Loan loss allowance to noncurrent loans | 1,616.0000% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 2,959 |
| Noncurrent loans to loans | 0.0774% | 4,568 |
| Net loans and leases to total assets | 68.1485% | 2,842 |
| Net loans and leases to deposits | 75.3988% | 3,400 |
| Net loans and leases to core deposits | 76.1874% | 3,732 |
| Total domestic deposits to total assets | 90.3841% | 436 |
| Equity capital to assets | 9.0848% | 4,495 |
| Core capital (leverage) ratio | 9.7342% | 3,851 |
| Tier 1 risk-based capital ratio | 14.2743% | 3,220 |
| Total risk-based capital ratio | 15.5246% | 3,140 |
| Memoranda: |
| Average total assets | $139,780,330 | 3,576 |
| Average earning assets | $128,288,000 | 3,581 |
| Average equity | $12,417,000 | 4,024 |
| Average total loans | $94,707,670 | 3,435 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2768% | 2,611 |
| Cost of funding earning assets | 0.1277% | 5,361 |
| Net interest margin | 4.1490% | 1,301 |
| Noninterest income to average assets | 0.4963% | 2,825 |
| Noninterest expense to average assets | 3.1267% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1790% | 2,099 |
| Return on assets (ROA) | 1.1790% | 2,108 |
| Pretax return on assets | 1.1905% | 2,796 |
| Return on Equity (ROE) | 13.4253% | 1,153 |
| Retained earnings to average equity (ytd only) | 13.4253% | 464 |
| Net charge-offs to loans | -0.0299% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4252% | 2,131 |
| Assets per employee ($millions) | 4.4989% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3117% | 2,190 |
| Loan loss allowance to noncurrent loans | 1,551.2821% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 3,059 |
| Noncurrent loans to loans | 0.0846% | 4,607 |
| Net loans and leases to total assets | 65.2761% | 3,138 |
| Net loans and leases to deposits | 71.9310% | 3,609 |
| Net loans and leases to core deposits | 72.6844% | 3,905 |
| Total domestic deposits to total assets | 90.7483% | 400 |
| Equity capital to assets | 8.7849% | 4,757 |
| Core capital (leverage) ratio | 9.4300% | 4,146 |
| Tier 1 risk-based capital ratio | 14.3135% | 3,221 |
| Total risk-based capital ratio | 15.5648% | 3,135 |
| Memoranda: |
| Average total assets | $139,443,000 | 3,618 |
| Average earning assets | $128,415,000 | 3,614 |
| Average equity | $12,245,500 | 4,082 |
| Average total loans | $93,596,500 | 3,473 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3405% | 2,210 |
| Cost of funding earning assets | 0.1435% | 5,298 |
| Net interest margin | 4.1970% | 1,192 |
| Noninterest income to average assets | 0.6458% | 2,222 |
| Noninterest expense to average assets | 3.0998% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3977% | 1,024 |
| Return on assets (ROA) | 1.3970% | 1,043 |
| Pretax return on assets | 1.3970% | 2,000 |
| Return on Equity (ROE) | 15.9916% | 483 |
| Retained earnings to average equity (ytd only) | 4.4626% | 2,474 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9218% | 2,716 |
| Assets per employee ($millions) | 4.4974% | 3,191 |
| Cash dividends to net income (ytd only)* | 72.0942% | 1,163 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2670% | 2,391 |
| Loan loss allowance to noncurrent loans | 1,307.6087% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 2,889 |
| Noncurrent loans to loans | 0.0969% | 4,559 |
| Net loans and leases to total assets | 67.2371% | 2,929 |
| Net loans and leases to deposits | 74.1383% | 3,513 |
| Net loans and leases to core deposits | 74.9145% | 3,818 |
| Total domestic deposits to total assets | 90.6914% | 339 |
| Equity capital to assets | 8.7785% | 4,908 |
| Core capital (leverage) ratio | 9.0704% | 4,558 |
| Tier 1 risk-based capital ratio | 13.3328% | 3,726 |
| Total risk-based capital ratio | 14.5828% | 3,634 |
| Memoranda: |
| Average total assets | $136,720,400 | 3,656 |
| Average earning assets | $125,469,800 | 3,656 |
| Average equity | $11,943,800 | 4,146 |
| Average total loans | $91,622,600 | 3,498 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3308% | 2,176 |
| Cost of funding earning assets | 0.1465% | 5,332 |
| Net interest margin | 4.1843% | 1,194 |
| Noninterest income to average assets | 0.6596% | 2,166 |
| Noninterest expense to average assets | 3.1616% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3329% | 1,243 |
| Return on assets (ROA) | 1.3329% | 1,269 |
| Pretax return on assets | 1.3329% | 2,350 |
| Return on Equity (ROE) | 15.2762% | 619 |
| Retained earnings to average equity (ytd only) | 3.2125% | 4,011 |
| Net charge-offs to loans | 0.0103% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 194.3505% | 447 |
| Efficiency ratio | 70.3445% | 2,484 |
| Assets per employee ($millions) | 4.5646% | 3,024 |
| Cash dividends to net income (ytd only)* | 78.9703% | 674 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2785% | 2,470 |
| Loan loss allowance to noncurrent loans | 1,245.8333% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 3,026 |
| Noncurrent loans to loans | 0.1026% | 4,650 |
| Net loans and leases to total assets | 67.4400% | 2,931 |
| Net loans and leases to deposits | 74.4796% | 3,520 |
| Net loans and leases to core deposits | 75.3351% | 3,862 |
| Total domestic deposits to total assets | 90.5483% | 312 |
| Equity capital to assets | 8.8865% | 5,005 |
| Core capital (leverage) ratio | 8.9999% | 4,738 |
| Tier 1 risk-based capital ratio | 13.1465% | 3,909 |
| Total risk-based capital ratio | 14.3965% | 3,818 |
| Memoranda: |
| Average total assets | $136,045,500 | 3,705 |
| Average earning assets | $124,686,000 | 3,702 |
| Average equity | $11,870,000 | 4,199 |
| Average total loans | $90,792,000 | 3,543 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2930% | 2,157 |
| Cost of funding earning assets | 0.1545% | 5,311 |
| Net interest margin | 4.1385% | 1,224 |
| Noninterest income to average assets | 0.6748% | 2,102 |
| Noninterest expense to average assets | 3.1691% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2950% | 1,311 |
| Return on assets (ROA) | 1.2950% | 1,333 |
| Pretax return on assets | 1.2950% | 2,404 |
| Return on Equity (ROE) | 14.9359% | 667 |
| Retained earnings to average equity (ytd only) | 0.7476% | 4,904 |
| Net charge-offs to loans | 0.0200% | 2,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 97.6667% | 662 |
| Efficiency ratio | 70.9901% | 2,515 |
| Assets per employee ($millions) | 4.2052% | 3,610 |
| Cash dividends to net income (ytd only)* | 94.9943% | 546 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2961% | 2,431 |
| Loan loss allowance to noncurrent loans | 884.4444% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.8011% | 2,206 |
| Noncurrent loans to loans | 0.1465% | 4,527 |
| Net loans and leases to total assets | 67.5743% | 2,869 |
| Net loans and leases to deposits | 76.0861% | 3,333 |
| Net loans and leases to core deposits | 77.7901% | 3,615 |
| Total domestic deposits to total assets | 88.8129% | 1,052 |
| Equity capital to assets | 8.8685% | 5,020 |
| Core capital (leverage) ratio | 8.9389% | 4,789 |
| Tier 1 risk-based capital ratio | 13.0567% | 3,962 |
| Total risk-based capital ratio | 14.3078% | 3,876 |
| Memoranda: |
| Average total assets | $135,748,000 | 3,727 |
| Average earning assets | $124,296,000 | 3,732 |
| Average equity | $11,770,330 | 4,228 |
| Average total loans | $89,873,670 | 3,578 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1418% | 2,507 |
| Cost of funding earning assets | 0.1405% | 5,437 |
| Net interest margin | 4.0012% | 1,472 |
| Noninterest income to average assets | 0.5310% | 2,761 |
| Noninterest expense to average assets | 3.1128% | 1,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0943% | 1,897 |
| Return on assets (ROA) | 1.0943% | 1,937 |
| Pretax return on assets | 1.0943% | 3,011 |
| Return on Equity (ROE) | 12.7647% | 1,048 |
| Retained earnings to average equity (ytd only) | 5.4755% | 2,617 |
| Net charge-offs to loans | 0.0451% | 1,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 37.3000% | 1,080 |
| Efficiency ratio | 73.9888% | 2,236 |
| Assets per employee ($millions) | 4.2340% | 3,613 |
| Cash dividends to net income (ytd only)* | 57.1046% | 1,509 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3565% | 2,280 |
| Loan loss allowance to noncurrent loans | 318.9840% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 1.1005% | 1,617 |
| Noncurrent loans to loans | 0.4252% | 3,569 |
| Net loans and leases to total assets | 64.0325% | 3,271 |
| Net loans and leases to deposits | 70.4889% | 3,745 |
| Net loans and leases to core deposits | 72.0178% | 3,984 |
| Total domestic deposits to total assets | 90.8406% | 345 |
| Equity capital to assets | 8.7439% | 5,042 |
| Core capital (leverage) ratio | 9.0332% | 4,693 |
| Tier 1 risk-based capital ratio | 13.8550% | 3,571 |
| Total risk-based capital ratio | 15.1069% | 3,480 |
| Memoranda: |
| Average total assets | $136,339,000 | 3,749 |
| Average earning assets | $125,261,000 | 3,748 |
| Average equity | $11,688,500 | 4,270 |
| Average total loans | $88,747,500 | 3,626 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5661% | 1,369 |
| Cost of funding earning assets | 0.1317% | 5,536 |
| Net interest margin | 4.4344% | 718 |
| Noninterest income to average assets | 0.8782% | 1,487 |
| Noninterest expense to average assets | 3.3625% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5720% | 726 |
| Return on assets (ROA) | 1.5844% | 733 |
| Pretax return on assets | 1.5860% | 1,331 |
| Return on Equity (ROE) | 17.4559% | 366 |
| Retained earnings to average equity (ytd only) | 5.2102% | 2,198 |
| Net charge-offs to loans | -0.0308% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1217% | 3,211 |
| Assets per employee ($millions) | 4.2872% | 3,455 |
| Cash dividends to net income (ytd only)* | 70.1522% | 1,309 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3435% | 2,325 |
| Loan loss allowance to noncurrent loans | 359.1045% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 1.1116% | 1,676 |
| Noncurrent loans to loans | 0.3741% | 3,784 |
| Net loans and leases to total assets | 64.3944% | 3,308 |
| Net loans and leases to deposits | 70.7098% | 3,837 |
| Net loans and leases to core deposits | 72.0054% | 4,081 |
| Total domestic deposits to total assets | 91.0685% | 259 |
| Equity capital to assets | 8.4045% | 5,343 |
| Core capital (leverage) ratio | 8.8820% | 4,876 |
| Tier 1 risk-based capital ratio | 13.2136% | 3,943 |
| Total risk-based capital ratio | 14.4646% | 3,863 |
| Memoranda: |
| Average total assets | $128,563,800 | 3,855 |
| Average earning assets | $117,649,600 | 3,871 |
| Average equity | $11,669,400 | 4,303 |
| Average total loans | $87,760,200 | 3,623 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6780% | 1,114 |
| Cost of funding earning assets | 0.1328% | 5,596 |
| Net interest margin | 4.5452% | 564 |
| Noninterest income to average assets | 0.9229% | 1,337 |
| Noninterest expense to average assets | 3.3193% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7530% | 531 |
| Return on assets (ROA) | 1.7709% | 540 |
| Pretax return on assets | 1.7731% | 947 |
| Return on Equity (ROE) | 19.1265% | 286 |
| Retained earnings to average equity (ytd only) | 2.8479% | 4,188 |
| Net charge-offs to loans | -0.0825% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4126% | 3,685 |
| Assets per employee ($millions) | 4.0677% | 3,842 |
| Cash dividends to net income (ytd only)* | 85.1104% | 622 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3643% | 2,367 |
| Loan loss allowance to noncurrent loans | 177.2334% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.2307% | 1,604 |
| Noncurrent loans to loans | 0.7698% | 2,744 |
| Net loans and leases to total assets | 68.3169% | 2,753 |
| Net loans and leases to deposits | 75.6109% | 3,445 |
| Net loans and leases to core deposits | 76.4534% | 3,794 |
| Total domestic deposits to total assets | 90.3532% | 361 |
| Equity capital to assets | 9.1068% | 5,065 |
| Core capital (leverage) ratio | 8.9851% | 4,842 |
| Tier 1 risk-based capital ratio | 12.9139% | 4,216 |
| Total risk-based capital ratio | 14.1655% | 4,126 |
| Memoranda: |
| Average total assets | $126,407,500 | 3,917 |
| Average earning assets | $115,459,000 | 3,930 |
| Average equity | $11,704,250 | 4,337 |
| Average total loans | $87,314,000 | 3,648 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7060% | 1,040 |
| Cost of funding earning assets | 0.1314% | 5,679 |
| Net interest margin | 4.5746% | 529 |
| Noninterest income to average assets | 0.8693% | 1,475 |
| Noninterest expense to average assets | 3.2568% | 1,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7818% | 487 |
| Return on assets (ROA) | 1.8090% | 495 |
| Pretax return on assets | 1.8122% | 861 |
| Return on Equity (ROE) | 19.4263% | 269 |
| Retained earnings to average equity (ytd only) | -1.8534% | 5,522 |
| Net charge-offs to loans | -0.0301% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5959% | 3,914 |
| Assets per employee ($millions) | 3.9308% | 4,038 |
| Cash dividends to net income (ytd only)* | 109.5406% | 410 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3431% | 2,559 |
| Loan loss allowance to noncurrent loans | 173.5766% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3364% | 1,501 |
| Noncurrent loans to loans | 0.7738% | 2,812 |
| Net loans and leases to total assets | 69.4349% | 2,565 |
| Net loans and leases to deposits | 77.7845% | 3,180 |
| Net loans and leases to core deposits | 78.6914% | 3,585 |
| Total domestic deposits to total assets | 89.2657% | 776 |
| Equity capital to assets | 9.1880% | 5,080 |
| Core capital (leverage) ratio | 8.9714% | 4,865 |
| Tier 1 risk-based capital ratio | 12.6377% | 4,428 |
| Total risk-based capital ratio | 13.8890% | 4,328 |
| Memoranda: |
| Average total assets | $125,154,330 | 3,956 |
| Average earning assets | $114,153,000 | 3,975 |
| Average equity | $11,654,330 | 4,375 |
| Average total loans | $86,366,670 | 3,684 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6364% | 1,170 |
| Cost of funding earning assets | 0.1296% | 5,755 |
| Net interest margin | 4.5068% | 601 |
| Noninterest income to average assets | 0.6024% | 2,515 |
| Noninterest expense to average assets | 3.2778% | 1,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4419% | 956 |
| Return on assets (ROA) | 1.4867% | 920 |
| Pretax return on assets | 1.4931% | 1,619 |
| Return on Equity (ROE) | 15.8592% | 550 |
| Retained earnings to average equity (ytd only) | 15.8592% | 197 |
| Net charge-offs to loans | -0.0375% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3559% | 3,236 |
| Assets per employee ($millions) | 3.9261% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3727% | 2,550 |
| Loan loss allowance to noncurrent loans | 174.3741% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.6086% | 1,234 |
| Noncurrent loans to loans | 0.7872% | 2,867 |
| Net loans and leases to total assets | 67.7110% | 2,689 |
| Net loans and leases to deposits | 75.1770% | 3,306 |
| Net loans and leases to core deposits | 76.0452% | 3,678 |
| Total domestic deposits to total assets | 90.0688% | 574 |
| Equity capital to assets | 9.5770% | 4,588 |
| Core capital (leverage) ratio | 9.5358% | 4,125 |
| Tier 1 risk-based capital ratio | 13.3562% | 4,064 |
| Total risk-based capital ratio | 14.6078% | 3,990 |
| Memoranda: |
| Average total assets | $124,839,500 | 3,995 |
| Average earning assets | $114,227,500 | 4,004 |
| Average equity | $11,703,000 | 4,383 |
| Average total loans | $85,286,500 | 3,716 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5476% | 1,463 |
| Cost of funding earning assets | 0.1334% | 5,792 |
| Net interest margin | 4.4142% | 775 |
| Noninterest income to average assets | 0.7408% | 2,020 |
| Noninterest expense to average assets | 3.3810% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3654% | 1,111 |
| Return on assets (ROA) | 1.3654% | 1,159 |
| Pretax return on assets | 1.3671% | 2,039 |
| Return on Equity (ROE) | 15.3876% | 632 |
| Retained earnings to average equity (ytd only) | 4.7082% | 2,639 |
| Net charge-offs to loans | 0.0323% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 63.8077% | 838 |
| Efficiency ratio | 71.2079% | 3,032 |
| Assets per employee ($millions) | 3.8764% | 4,163 |
| Cash dividends to net income (ytd only)* | 69.4025% | 1,283 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3947% | 2,448 |
| Loan loss allowance to noncurrent loans | 184.6154% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.5333% | 1,309 |
| Noncurrent loans to loans | 0.7554% | 2,917 |
| Net loans and leases to total assets | 67.0281% | 2,850 |
| Net loans and leases to deposits | 74.1367% | 3,479 |
| Net loans and leases to core deposits | 74.7640% | 3,871 |
| Total domestic deposits to total assets | 90.4115% | 468 |
| Equity capital to assets | 9.1693% | 4,950 |
| Core capital (leverage) ratio | 9.1530% | 4,680 |
| Tier 1 risk-based capital ratio | 13.0641% | 4,264 |
| Total risk-based capital ratio | 14.3154% | 4,183 |
| Memoranda: |
| Average total assets | $121,353,000 | 4,045 |
| Average earning assets | $110,168,000 | 4,063 |
| Average equity | $10,768,400 | 4,530 |
| Average total loans | $80,561,000 | 3,810 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5007% | 1,593 |
| Cost of funding earning assets | 0.1353% | 5,885 |
| Net interest margin | 4.3654% | 849 |
| Noninterest income to average assets | 0.7690% | 1,932 |
| Noninterest expense to average assets | 3.4194% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3048% | 1,329 |
| Return on assets (ROA) | 1.3048% | 1,379 |
| Pretax return on assets | 1.3070% | 2,368 |
| Return on Equity (ROE) | 14.8312% | 746 |
| Retained earnings to average equity (ytd only) | 0.3893% | 5,507 |
| Net charge-offs to loans | 0.0117% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 169.0557% | 422 |
| Efficiency ratio | 72.3469% | 2,819 |
| Assets per employee ($millions) | 3.9591% | 3,955 |
| Cash dividends to net income (ytd only)* | 97.3753% | 410 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4588% | 2,333 |
| Loan loss allowance to noncurrent loans | 148.2630% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.9490% | 1,062 |
| Noncurrent loans to loans | 0.9839% | 2,526 |
| Net loans and leases to total assets | 65.7718% | 3,051 |
| Net loans and leases to deposits | 72.6057% | 3,692 |
| Net loans and leases to core deposits | 73.2254% | 4,083 |
| Total domestic deposits to total assets | 90.5876% | 366 |
| Equity capital to assets | 8.9634% | 5,342 |
| Core capital (leverage) ratio | 9.0152% | 4,975 |
| Tier 1 risk-based capital ratio | 12.8765% | 4,504 |
| Total risk-based capital ratio | 14.1283% | 4,426 |
| Memoranda: |
| Average total assets | $120,680,000 | 4,105 |
| Average earning assets | $109,403,750 | 4,123 |
| Average equity | $10,617,000 | 4,600 |
| Average total loans | $79,621,000 | 3,871 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4813% | 1,593 |
| Cost of funding earning assets | 0.1359% | 5,945 |
| Net interest margin | 4.3454% | 846 |
| Noninterest income to average assets | 0.7600% | 1,951 |
| Noninterest expense to average assets | 3.4168% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2850% | 1,360 |
| Return on assets (ROA) | 1.2850% | 1,426 |
| Pretax return on assets | 1.2884% | 2,405 |
| Return on Equity (ROE) | 14.7011% | 785 |
| Retained earnings to average equity (ytd only) | -7.2266% | 6,102 |
| Net charge-offs to loans | 0.0558% | 2,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 35.1364% | 1,227 |
| Efficiency ratio | 72.6178% | 2,910 |
| Assets per employee ($millions) | 3.9372% | 4,004 |
| Cash dividends to net income (ytd only)* | 149.1569% | 197 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4963% | 2,314 |
| Loan loss allowance to noncurrent loans | 190.9385% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.8123% | 1,268 |
| Noncurrent loans to loans | 0.7837% | 3,145 |
| Net loans and leases to total assets | 63.6450% | 3,318 |
| Net loans and leases to deposits | 69.8976% | 3,942 |
| Net loans and leases to core deposits | 70.4939% | 4,279 |
| Total domestic deposits to total assets | 91.0546% | 282 |
| Equity capital to assets | 8.5480% | 5,644 |
| Core capital (leverage) ratio | 8.6952% | 5,323 |
| Tier 1 risk-based capital ratio | 12.9139% | 4,567 |
| Total risk-based capital ratio | 14.1667% | 4,483 |
| Memoranda: |
| Average total assets | $119,996,000 | 4,156 |
| Average earning assets | $108,941,670 | 4,171 |
| Average equity | $10,489,000 | 4,653 |
| Average total loans | $78,855,330 | 3,922 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4233% | 1,682 |
| Cost of funding earning assets | 0.1367% | 6,022 |
| Net interest margin | 4.2866% | 903 |
| Noninterest income to average assets | 0.7464% | 1,934 |
| Noninterest expense to average assets | 3.4127% | 1,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2272% | 1,470 |
| Return on assets (ROA) | 1.2272% | 1,565 |
| Pretax return on assets | 1.2339% | 2,535 |
| Return on Equity (ROE) | 13.8823% | 906 |
| Retained earnings to average equity (ytd only) | -29.8564% | 6,339 |
| Net charge-offs to loans | 0.0051% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 367.0000% | 154 |
| Efficiency ratio | 73.4443% | 2,915 |
| Assets per employee ($millions) | 3.8403% | 4,267 |
| Cash dividends to net income (ytd only)* | 315.0685% | 97 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5267% | 2,341 |
| Loan loss allowance to noncurrent loans | 176.3583% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.9488% | 1,231 |
| Noncurrent loans to loans | 0.8657% | 3,081 |
| Net loans and leases to total assets | 65.0707% | 2,924 |
| Net loans and leases to deposits | 71.4051% | 3,601 |
| Net loans and leases to core deposits | 72.0286% | 3,956 |
| Total domestic deposits to total assets | 91.1289% | 321 |
| Equity capital to assets | 8.5351% | 5,718 |
| Core capital (leverage) ratio | 8.5888% | 5,432 |
| Tier 1 risk-based capital ratio | 12.6788% | 4,796 |
| Total risk-based capital ratio | 13.9320% | 4,713 |
| Memoranda: |
| Average total assets | $118,968,000 | 4,201 |
| Average earning assets | $108,244,500 | 4,209 |
| Average equity | $10,517,000 | 4,692 |
| Average total loans | $78,853,000 | 3,932 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6443% | 1,436 |
| Cost of funding earning assets | 0.1600% | 6,045 |
| Net interest margin | 4.4843% | 774 |
| Noninterest income to average assets | 0.7594% | 2,038 |
| Noninterest expense to average assets | 3.5591% | 1,375 |
| Loan and lease loss provision to assets | 0.0653% | 3,198 |
| Net operating income to assets | 1.2322% | 1,487 |
| Return on assets (ROA) | 1.2313% | 1,547 |
| Pretax return on assets | 1.2331% | 2,513 |
| Return on Equity (ROE) | 13.6436% | 1,007 |
| Retained earnings to average equity (ytd only) | 9.7841% | 552 |
| Net charge-offs to loans | 0.6312% | 622 |
| Credit loss provision to net charge-offs | 15.0602% | 4,038 |
| Earnings coverage of net charge-offs (x) | 2.9960% | 4,009 |
| Efficiency ratio | 73.2569% | 2,974 |
| Assets per employee ($millions) | 3.8351% | 4,274 |
| Cash dividends to net income (ytd only)* | 28.2885% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5208% | 2,379 |
| Loan loss allowance to noncurrent loans | 153.5121% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.9254% | 1,336 |
| Noncurrent loans to loans | 0.9907% | 2,853 |
| Net loans and leases to total assets | 65.4714% | 2,980 |
| Net loans and leases to deposits | 72.3735% | 3,634 |
| Net loans and leases to core deposits | 73.0110% | 4,027 |
| Total domestic deposits to total assets | 90.4632% | 556 |
| Equity capital to assets | 9.1457% | 5,131 |
| Core capital (leverage) ratio | 9.2572% | 4,593 |
| Tier 1 risk-based capital ratio | 13.2019% | 4,584 |
| Total risk-based capital ratio | 14.4511% | 4,511 |
| Memoranda: |
| Average total assets | $114,833,400 | 4,281 |
| Average earning assets | $104,967,200 | 4,291 |
| Average equity | $10,363,800 | 4,683 |
| Average total loans | $78,893,600 | 3,905 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6447% | 1,447 |
| Cost of funding earning assets | 0.1654% | 6,092 |
| Net interest margin | 4.4793% | 775 |
| Noninterest income to average assets | 0.7720% | 2,010 |
| Noninterest expense to average assets | 3.6642% | 1,183 |
| Loan and lease loss provision to assets | 0.0879% | 2,594 |
| Net operating income to assets | 1.1105% | 1,985 |
| Return on assets (ROA) | 1.1105% | 2,048 |
| Pretax return on assets | 1.1128% | 3,139 |
| Return on Equity (ROE) | 12.3477% | 1,384 |
| Retained earnings to average equity (ytd only) | 12.3477% | 386 |
| Net charge-offs to loans | 0.4751% | 832 |
| Credit loss provision to net charge-offs | 26.6904% | 3,497 |
| Earnings coverage of net charge-offs (x) | 3.6477% | 3,620 |
| Efficiency ratio | 75.3190% | 2,616 |
| Assets per employee ($millions) | 3.6218% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7622% | 1,788 |
| Loan loss allowance to noncurrent loans | 87.0552% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.3236% | 1,170 |
| Noncurrent loans to loans | 2.0242% | 1,562 |
| Net loans and leases to total assets | 68.2548% | 2,489 |
| Net loans and leases to deposits | 75.6221% | 3,225 |
| Net loans and leases to core deposits | 76.6888% | 3,670 |
| Total domestic deposits to total assets | 90.2578% | 625 |
| Equity capital to assets | 9.2927% | 5,043 |
| Core capital (leverage) ratio | 9.3275% | 4,601 |
| Tier 1 risk-based capital ratio | 13.1732% | 4,748 |
| Total risk-based capital ratio | 14.4299% | 4,679 |
| Memoranda: |
| Average total assets | $113,820,000 | 4,335 |
| Average earning assets | $104,001,500 | 4,348 |
| Average equity | $10,236,500 | 4,738 |
| Average total loans | $78,857,250 | 3,933 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6306% | 1,448 |
| Cost of funding earning assets | 0.1727% | 6,116 |
| Net interest margin | 4.4580% | 769 |
| Noninterest income to average assets | 0.7372% | 2,104 |
| Noninterest expense to average assets | 3.6950% | 1,148 |
| Loan and lease loss provision to assets | 0.1326% | 1,871 |
| Net operating income to assets | 0.9688% | 2,457 |
| Return on assets (ROA) | 0.9688% | 2,547 |
| Pretax return on assets | 0.9724% | 3,601 |
| Return on Equity (ROE) | 10.8961% | 1,774 |
| Retained earnings to average equity (ytd only) | 10.8961% | 550 |
| Net charge-offs to loans | 0.7228% | 529 |
| Credit loss provision to net charge-offs | 26.5018% | 3,106 |
| Earnings coverage of net charge-offs (x) | 2.2085% | 3,608 |
| Efficiency ratio | 76.9797% | 2,456 |
| Assets per employee ($millions) | 3.4895% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7803% | 1,894 |
| Loan loss allowance to noncurrent loans | 78.0716% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 2.5053% | 1,136 |
| Noncurrent loans to loans | 2.2803% | 1,426 |
| Net loans and leases to total assets | 67.8885% | 2,427 |
| Net loans and leases to deposits | 74.9806% | 3,196 |
| Net loans and leases to core deposits | 76.4141% | 3,584 |
| Total domestic deposits to total assets | 90.5414% | 567 |
| Equity capital to assets | 9.0469% | 5,252 |
| Core capital (leverage) ratio | 9.2323% | 4,691 |
| Tier 1 risk-based capital ratio | 12.8416% | 5,013 |
| Total risk-based capital ratio | 14.0978% | 4,946 |
| Memoranda: |
| Average total assets | $113,127,330 | 4,380 |
| Average earning assets | $103,096,330 | 4,387 |
| Average equity | $10,058,670 | 4,789 |
| Average total loans | $78,301,330 | 3,964 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5698% | 1,584 |
| Cost of funding earning assets | 0.1844% | 6,122 |
| Net interest margin | 4.3855% | 829 |
| Noninterest income to average assets | 0.6672% | 2,363 |
| Noninterest expense to average assets | 3.8104% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8456% | 2,925 |
| Return on assets (ROA) | 0.8456% | 3,001 |
| Pretax return on assets | 0.8456% | 3,921 |
| Return on Equity (ROE) | 9.5961% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.5961% | 1,078 |
| Net charge-offs to loans | 1.4680% | 219 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.8316% | 3,254 |
| Efficiency ratio | 81.8391% | 1,949 |
| Assets per employee ($millions) | 3.4043% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6912% | 2,384 |
| Loan loss allowance to noncurrent loans | 80.3357% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 2.6357% | 1,169 |
| Noncurrent loans to loans | 2.1051% | 1,747 |
| Net loans and leases to total assets | 69.3389% | 2,008 |
| Net loans and leases to deposits | 76.4421% | 2,762 |
| Net loans and leases to core deposits | 77.9357% | 3,213 |
| Total domestic deposits to total assets | 90.7078% | 684 |
| Equity capital to assets | 8.9219% | 5,198 |
| Core capital (leverage) ratio | 9.1186% | 4,840 |
| Tier 1 risk-based capital ratio | 12.4703% | 5,334 |
| Total risk-based capital ratio | 13.7256% | 5,266 |
| Memoranda: |
| Average total assets | $112,113,500 | 4,443 |
| Average earning assets | $101,973,000 | 4,451 |
| Average equity | $9,879,000 | 4,848 |
| Average total loans | $77,655,000 | 4,007 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8516% | 1,195 |
| Cost of funding earning assets | 0.2441% | 6,007 |
| Net interest margin | 4.6074% | 602 |
| Noninterest income to average assets | 0.9379% | 1,554 |
| Noninterest expense to average assets | 3.9217% | 956 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1749% | 1,666 |
| Return on assets (ROA) | 1.1749% | 1,720 |
| Pretax return on assets | 1.1740% | 2,676 |
| Return on Equity (ROE) | 13.4342% | 1,082 |
| Retained earnings to average equity (ytd only) | 8.1201% | 1,019 |
| Net charge-offs to loans | 0.2919% | 2,229 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 5.7149% | 3,233 |
| Efficiency ratio | 76.9610% | 2,622 |
| Assets per employee ($millions) | 3.1079% | 5,656 |
| Cash dividends to net income (ytd only)* | 39.5570% | 2,828 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1361% | 1,273 |
| Loan loss allowance to noncurrent loans | 90.8329% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 2.8431% | 1,135 |
| Noncurrent loans to loans | 2.3517% | 1,631 |
| Net loans and leases to total assets | 66.5400% | 2,606 |
| Net loans and leases to deposits | 73.1901% | 3,373 |
| Net loans and leases to core deposits | 74.6184% | 3,774 |
| Total domestic deposits to total assets | 90.9140% | 607 |
| Equity capital to assets | 8.7008% | 5,364 |
| Core capital (leverage) ratio | 8.9033% | 5,138 |
| Tier 1 risk-based capital ratio | 12.6015% | 5,232 |
| Total risk-based capital ratio | 13.8620% | 5,171 |
| Memoranda: |
| Average total assets | $107,581,800 | 4,555 |
| Average earning assets | $97,082,200 | 4,592 |
| Average equity | $9,408,800 | 5,000 |
| Average total loans | $75,713,000 | 4,068 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8703% | 1,192 |
| Cost of funding earning assets | 0.2542% | 6,055 |
| Net interest margin | 4.6161% | 602 |
| Noninterest income to average assets | 0.9689% | 1,544 |
| Noninterest expense to average assets | 4.0047% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1254% | 1,909 |
| Return on assets (ROA) | 1.1254% | 1,974 |
| Pretax return on assets | 1.1242% | 3,004 |
| Return on Equity (ROE) | 12.8509% | 1,270 |
| Retained earnings to average equity (ytd only) | 9.2772% | 976 |
| Net charge-offs to loans | 0.1446% | 3,096 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.9512% | 2,297 |
| Efficiency ratio | 78.0815% | 2,408 |
| Assets per employee ($millions) | 3.0296% | 5,798 |
| Cash dividends to net income (ytd only)* | 27.8090% | 2,774 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2986% | 1,186 |
| Loan loss allowance to noncurrent loans | 96.2357% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 2.6333% | 1,436 |
| Noncurrent loans to loans | 2.3885% | 1,840 |
| Net loans and leases to total assets | 68.7480% | 2,191 |
| Net loans and leases to deposits | 75.7848% | 2,991 |
| Net loans and leases to core deposits | 77.9240% | 3,372 |
| Total domestic deposits to total assets | 90.7147% | 649 |
| Equity capital to assets | 8.8837% | 5,316 |
| Core capital (leverage) ratio | 8.8470% | 5,334 |
| Tier 1 risk-based capital ratio | 12.5315% | 5,442 |
| Total risk-based capital ratio | 13.7948% | 5,377 |
| Memoranda: |
| Average total assets | $106,505,750 | 4,626 |
| Average earning assets | $95,981,000 | 4,666 |
| Average equity | $9,327,250 | 5,067 |
| Average total loans | $75,622,750 | 4,100 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8664% | 1,180 |
| Cost of funding earning assets | 0.2591% | 6,111 |
| Net interest margin | 4.6073% | 590 |
| Noninterest income to average assets | 0.9257% | 1,727 |
| Noninterest expense to average assets | 4.0718% | 799 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9957% | 2,346 |
| Return on assets (ROA) | 0.9957% | 2,487 |
| Pretax return on assets | 0.9938% | 3,534 |
| Return on Equity (ROE) | 11.4265% | 1,667 |
| Retained earnings to average equity (ytd only) | 5.9957% | 2,445 |
| Net charge-offs to loans | 0.2233% | 2,395 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,751 |
| Efficiency ratio | 80.3812% | 2,103 |
| Assets per employee ($millions) | 3.0965% | 5,686 |
| Cash dividends to net income (ytd only)* | 47.5285% | 1,978 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3829% | 1,112 |
| Loan loss allowance to noncurrent loans | 95.3463% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 3.1012% | 1,293 |
| Noncurrent loans to loans | 2.4992% | 1,853 |
| Net loans and leases to total assets | 66.6024% | 2,485 |
| Net loans and leases to deposits | 73.1960% | 3,265 |
| Net loans and leases to core deposits | 75.2651% | 3,641 |
| Total domestic deposits to total assets | 90.9918% | 543 |
| Equity capital to assets | 8.6188% | 5,648 |
| Core capital (leverage) ratio | 8.8625% | 5,206 |
| Tier 1 risk-based capital ratio | 12.2825% | 5,634 |
| Total risk-based capital ratio | 13.5451% | 5,574 |
| Memoranda: |
| Average total assets | $105,652,670 | 4,685 |
| Average earning assets | $94,936,330 | 4,728 |
| Average equity | $9,206,670 | 5,126 |
| Average total loans | $75,249,000 | 4,128 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9330% | 1,004 |
| Cost of funding earning assets | 0.2691% | 6,169 |
| Net interest margin | 4.6639% | 508 |
| Noninterest income to average assets | 0.6405% | 2,930 |
| Noninterest expense to average assets | 4.1615% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6674% | 3,862 |
| Return on assets (ROA) | 0.6674% | 4,014 |
| Pretax return on assets | 0.6674% | 4,715 |
| Return on Equity (ROE) | 7.6153% | 3,154 |
| Retained earnings to average equity (ytd only) | -3.3262% | 6,215 |
| Net charge-offs to loans | 0.3162% | 1,701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.9000% | 2,903 |
| Efficiency ratio | 86.1795% | 1,490 |
| Assets per employee ($millions) | 3.0760% | 5,859 |
| Cash dividends to net income (ytd only)* | 143.6782% | 378 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3778% | 1,282 |
| Loan loss allowance to noncurrent loans | 92.1093% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 3.4155% | 1,262 |
| Noncurrent loans to loans | 2.5815% | 2,001 |
| Net loans and leases to total assets | 70.1127% | 1,638 |
| Net loans and leases to deposits | 77.3008% | 2,448 |
| Net loans and leases to core deposits | 79.5707% | 2,859 |
| Total domestic deposits to total assets | 90.7012% | 670 |
| Equity capital to assets | 8.6955% | 5,815 |
| Core capital (leverage) ratio | 8.6938% | 5,335 |
| Tier 1 risk-based capital ratio | 11.8369% | 6,007 |
| Total risk-based capital ratio | 13.1003% | 5,973 |
| Memoranda: |
| Average total assets | $104,289,500 | 4,766 |
| Average earning assets | $93,655,500 | 4,806 |
| Average equity | $9,139,500 | 5,199 |
| Average total loans | $75,901,000 | 4,134 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2133% | 1,093 |
| Cost of funding earning assets | 0.4612% | 5,490 |
| Net interest margin | 4.7521% | 594 |
| Noninterest income to average assets | 0.6915% | 2,764 |
| Noninterest expense to average assets | 3.8831% | 1,116 |
| Loan and lease loss provision to assets | 0.2733% | 2,460 |
| Net operating income to assets | 0.7595% | 3,470 |
| Return on assets (ROA) | 0.7595% | 3,711 |
| Pretax return on assets | 0.7643% | 4,437 |
| Return on Equity (ROE) | 9.0213% | 2,628 |
| Retained earnings to average equity (ytd only) | 9.0213% | 815 |
| Net charge-offs to loans | 0.4121% | 2,605 |
| Credit loss provision to net charge-offs | 92.2330% | 3,384 |
| Earnings coverage of net charge-offs (x) | 3.5016% | 3,701 |
| Efficiency ratio | 78.9125% | 2,291 |
| Assets per employee ($millions) | 3.0587% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4071% | 1,222 |
| Loan loss allowance to noncurrent loans | 74.6462% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 4.0819% | 1,037 |
| Noncurrent loans to loans | 3.2247% | 1,604 |
| Net loans and leases to total assets | 71.9682% | 1,493 |
| Net loans and leases to deposits | 79.2520% | 2,377 |
| Net loans and leases to core deposits | 81.5827% | 2,811 |
| Total domestic deposits to total assets | 90.8093% | 562 |
| Equity capital to assets | 8.8321% | 5,715 |
| Core capital (leverage) ratio | 8.7067% | 5,321 |
| Tier 1 risk-based capital ratio | 11.7947% | 5,911 |
| Total risk-based capital ratio | 13.0587% | 5,869 |
| Memoranda: |
| Average total assets | $104,272,800 | 4,726 |
| Average earning assets | $92,800,800 | 4,780 |
| Average equity | $8,779,200 | 5,277 |
| Average total loans | $74,987,000 | 4,176 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2051% | 1,182 |
| Cost of funding earning assets | 0.4991% | 5,441 |
| Net interest margin | 4.7060% | 667 |
| Noninterest income to average assets | 0.6760% | 2,839 |
| Noninterest expense to average assets | 3.9344% | 1,025 |
| Loan and lease loss provision to assets | 0.1725% | 3,407 |
| Net operating income to assets | 0.7437% | 3,720 |
| Return on assets (ROA) | 0.7437% | 3,970 |
| Pretax return on assets | 0.7501% | 4,676 |
| Return on Equity (ROE) | 8.9422% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.9422% | 1,252 |
| Net charge-offs to loans | 0.3183% | 2,853 |
| Credit loss provision to net charge-offs | 75.8427% | 3,745 |
| Earnings coverage of net charge-offs (x) | 4.0561% | 3,418 |
| Efficiency ratio | 81.0050% | 1,938 |
| Assets per employee ($millions) | 2.9992% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4374% | 1,291 |
| Loan loss allowance to noncurrent loans | 107.8512% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 3.5028% | 1,429 |
| Noncurrent loans to loans | 2.2600% | 2,544 |
| Net loans and leases to total assets | 69.6662% | 1,980 |
| Net loans and leases to deposits | 76.5695% | 2,901 |
| Net loans and leases to core deposits | 79.1399% | 3,307 |
| Total domestic deposits to total assets | 90.9843% | 415 |
| Equity capital to assets | 8.5909% | 6,181 |
| Core capital (leverage) ratio | 8.5768% | 5,658 |
| Tier 1 risk-based capital ratio | 11.7053% | 6,111 |
| Total risk-based capital ratio | 12.9696% | 6,087 |
| Memoranda: |
| Average total assets | $104,342,000 | 4,767 |
| Average earning assets | $92,702,250 | 4,831 |
| Average equity | $8,677,750 | 5,358 |
| Average total loans | $74,561,250 | 4,240 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2299% | 1,182 |
| Cost of funding earning assets | 0.5332% | 5,414 |
| Net interest margin | 4.6968% | 676 |
| Noninterest income to average assets | 0.6319% | 3,064 |
| Noninterest expense to average assets | 3.9066% | 1,068 |
| Loan and lease loss provision to assets | 0.2593% | 2,503 |
| Net operating income to assets | 0.6184% | 4,289 |
| Return on assets (ROA) | 0.6184% | 4,536 |
| Pretax return on assets | 0.6280% | 5,039 |
| Return on Equity (ROE) | 7.5196% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.5196% | 1,856 |
| Net charge-offs to loans | -0.1505% | 6,943 |
| Credit loss provision to net charge-offs | -241.0714% | 6,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4904% | 1,965 |
| Assets per employee ($millions) | 3.1494% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7491% | 989 |
| Loan loss allowance to noncurrent loans | 79.0867% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 4.6685% | 1,043 |
| Noncurrent loans to loans | 3.4761% | 1,653 |
| Net loans and leases to total assets | 70.1504% | 1,891 |
| Net loans and leases to deposits | 76.9193% | 2,847 |
| Net loans and leases to core deposits | 79.5114% | 3,290 |
| Total domestic deposits to total assets | 91.1999% | 384 |
| Equity capital to assets | 8.4229% | 6,283 |
| Core capital (leverage) ratio | 8.3775% | 5,821 |
| Tier 1 risk-based capital ratio | 11.2527% | 6,368 |
| Total risk-based capital ratio | 12.5209% | 6,336 |
| Memoranda: |
| Average total assets | $104,132,000 | 4,799 |
| Average earning assets | $92,276,330 | 4,859 |
| Average equity | $8,564,330 | 5,396 |
| Average total loans | $74,429,330 | 4,267 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2391% | 1,231 |
| Cost of funding earning assets | 0.5677% | 5,376 |
| Net interest margin | 4.6714% | 725 |
| Noninterest income to average assets | 0.7522% | 2,388 |
| Noninterest expense to average assets | 3.8644% | 1,112 |
| Loan and lease loss provision to assets | 0.5181% | 1,165 |
| Net operating income to assets | 0.4874% | 4,883 |
| Return on assets (ROA) | 0.4874% | 5,084 |
| Pretax return on assets | 0.5066% | 5,405 |
| Return on Equity (ROE) | 5.9980% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.9980% | 2,959 |
| Net charge-offs to loans | 0.1942% | 2,954 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 7.4167% | 2,077 |
| Efficiency ratio | 79.0424% | 2,346 |
| Assets per employee ($millions) | 3.1608% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6737% | 1,150 |
| Loan loss allowance to noncurrent loans | 68.5585% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 5.1685% | 987 |
| Noncurrent loans to loans | 3.8999% | 1,580 |
| Net loans and leases to total assets | 68.7148% | 1,989 |
| Net loans and leases to deposits | 75.1912% | 2,944 |
| Net loans and leases to core deposits | 77.7010% | 3,371 |
| Total domestic deposits to total assets | 91.3868% | 410 |
| Equity capital to assets | 8.1933% | 6,366 |
| Core capital (leverage) ratio | 8.1550% | 6,089 |
| Tier 1 risk-based capital ratio | 10.9298% | 6,568 |
| Total risk-based capital ratio | 12.1968% | 6,551 |
| Memoranda: |
| Average total assets | $104,232,500 | 4,828 |
| Average earning assets | $92,306,500 | 4,897 |
| Average equity | $8,469,500 | 5,442 |
| Average total loans | $74,159,500 | 4,307 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4257% | 1,351 |
| Cost of funding earning assets | 0.8672% | 4,342 |
| Net interest margin | 4.5585% | 1,002 |
| Noninterest income to average assets | -0.2742% | 7,189 |
| Noninterest expense to average assets | 3.9126% | 1,163 |
| Loan and lease loss provision to assets | 0.9628% | 999 |
| Net operating income to assets | -1.1535% | 6,803 |
| Return on assets (ROA) | -1.1544% | 6,830 |
| Pretax return on assets | -1.1499% | 6,792 |
| Return on Equity (ROE) | -15.2491% | 6,896 |
| Retained earnings to average equity (ytd only) | -15.2491% | 6,875 |
| Net charge-offs to loans | 1.5142% | 1,061 |
| Credit loss provision to net charge-offs | 85.7843% | 4,208 |
| Earnings coverage of net charge-offs (x) | -0.1658% | 5,933 |
| Efficiency ratio | 104.9951% | 538 |
| Assets per employee ($millions) | 3.1564% | 5,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5041% | 1,311 |
| Loan loss allowance to noncurrent loans | 57.1516% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 5.0038% | 1,068 |
| Noncurrent loans to loans | 4.3815% | 1,375 |
| Net loans and leases to total assets | 69.8992% | 2,051 |
| Net loans and leases to deposits | 76.3656% | 3,118 |
| Net loans and leases to core deposits | 78.7018% | 3,603 |
| Total domestic deposits to total assets | 91.5323% | 328 |
| Equity capital to assets | 8.0578% | 6,531 |
| Core capital (leverage) ratio | 7.8330% | 6,415 |
| Tier 1 risk-based capital ratio | 10.7597% | 6,575 |
| Total risk-based capital ratio | 12.0249% | 6,551 |
| Memoranda: |
| Average total assets | $109,057,200 | 4,664 |
| Average earning assets | $95,711,000 | 4,763 |
| Average equity | $8,256,200 | 5,493 |
| Average total loans | $80,833,200 | 4,120 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3884% | 1,548 |
| Cost of funding earning assets | 0.9333% | 4,176 |
| Net interest margin | 4.4551% | 1,259 |
| Noninterest income to average assets | -0.1136% | 7,218 |
| Noninterest expense to average assets | 3.8470% | 1,238 |
| Loan and lease loss provision to assets | 1.2477% | 614 |
| Net operating income to assets | -1.3130% | 6,992 |
| Return on assets (ROA) | -1.3142% | 7,012 |
| Pretax return on assets | -1.3081% | 6,969 |
| Return on Equity (ROE) | -17.6271% | 7,063 |
| Retained earnings to average equity (ytd only) | -17.6271% | 7,046 |
| Net charge-offs to loans | 0.7138% | 2,126 |
| Credit loss provision to net charge-offs | 234.0136% | 1,213 |
| Earnings coverage of net charge-offs (x) | -0.1111% | 5,671 |
| Efficiency ratio | 101.5640% | 615 |
| Assets per employee ($millions) | 3.2052% | 5,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4231% | 602 |
| Loan loss allowance to noncurrent loans | 50.9573% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 8.5543% | 487 |
| Noncurrent loans to loans | 6.7175% | 762 |
| Net loans and leases to total assets | 70.2868% | 2,025 |
| Net loans and leases to deposits | 76.5846% | 3,231 |
| Net loans and leases to core deposits | 79.7381% | 3,679 |
| Total domestic deposits to total assets | 91.7766% | 245 |
| Equity capital to assets | 7.7923% | 6,804 |
| Core capital (leverage) ratio | 7.5647% | 6,727 |
| Tier 1 risk-based capital ratio | 10.0749% | 6,933 |
| Total risk-based capital ratio | 11.3499% | 6,916 |
| Memoranda: |
| Average total assets | $110,281,500 | 4,667 |
| Average earning assets | $96,575,250 | 4,756 |
| Average equity | $8,222,000 | 5,532 |
| Average total loans | $82,372,250 | 4,110 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3967% | 1,576 |
| Cost of funding earning assets | 0.9886% | 4,026 |
| Net interest margin | 4.4080% | 1,345 |
| Noninterest income to average assets | -0.3507% | 7,396 |
| Noninterest expense to average assets | 3.8091% | 1,335 |
| Loan and lease loss provision to assets | 1.1093% | 735 |
| Net operating income to assets | -1.4170% | 7,071 |
| Return on assets (ROA) | -1.4188% | 7,084 |
| Pretax return on assets | -1.4098% | 7,034 |
| Return on Equity (ROE) | -19.3054% | 7,145 |
| Retained earnings to average equity (ytd only) | -19.3054% | 7,128 |
| Net charge-offs to loans | 0.3754% | 3,056 |
| Credit loss provision to net charge-offs | 392.4051% | 768 |
| Earnings coverage of net charge-offs (x) | -1.0570% | 5,639 |
| Efficiency ratio | 108.5117% | 508 |
| Assets per employee ($millions) | 3.1376% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0854% | 826 |
| Loan loss allowance to noncurrent loans | 41.7876% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 9.1838% | 455 |
| Noncurrent loans to loans | 7.3836% | 662 |
| Net loans and leases to total assets | 73.7882% | 1,457 |
| Net loans and leases to deposits | 80.1742% | 2,758 |
| Net loans and leases to core deposits | 84.1440% | 3,191 |
| Total domestic deposits to total assets | 92.0348% | 228 |
| Equity capital to assets | 7.5452% | 6,927 |
| Core capital (leverage) ratio | 7.2398% | 6,898 |
| Tier 1 risk-based capital ratio | 9.3754% | 7,124 |
| Total risk-based capital ratio | 10.6472% | 7,121 |
| Memoranda: |
| Average total assets | $111,785,000 | 4,665 |
| Average earning assets | $97,912,000 | 4,763 |
| Average equity | $8,215,330 | 5,544 |
| Average total loans | $84,170,330 | 4,086 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3973% | 1,566 |
| Cost of funding earning assets | 1.0875% | 3,604 |
| Net interest margin | 4.3098% | 1,533 |
| Noninterest income to average assets | -0.3603% | 7,471 |
| Noninterest expense to average assets | 3.6208% | 1,722 |
| Loan and lease loss provision to assets | 0.4723% | 1,857 |
| Net operating income to assets | -0.6822% | 6,906 |
| Return on assets (ROA) | -0.6822% | 6,912 |
| Pretax return on assets | -0.6822% | 6,866 |
| Return on Equity (ROE) | -9.3993% | 7,011 |
| Retained earnings to average equity (ytd only) | -9.3993% | 6,837 |
| Net charge-offs to loans | 0.3176% | 2,781 |
| Credit loss provision to net charge-offs | 198.5294% | 1,498 |
| Earnings coverage of net charge-offs (x) | -0.8824% | 4,881 |
| Efficiency ratio | 106.1538% | 570 |
| Assets per employee ($millions) | 3.3307% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4921% | 1,469 |
| Loan loss allowance to noncurrent loans | 48.5064% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 7.6401% | 644 |
| Noncurrent loans to loans | 5.1377% | 1,305 |
| Net loans and leases to total assets | 72.9357% | 1,530 |
| Net loans and leases to deposits | 79.0082% | 2,893 |
| Net loans and leases to core deposits | 83.0795% | 3,297 |
| Total domestic deposits to total assets | 92.3140% | 209 |
| Equity capital to assets | 7.2356% | 6,998 |
| Core capital (leverage) ratio | 7.0068% | 7,004 |
| Tier 1 risk-based capital ratio | 9.1787% | 7,202 |
| Total risk-based capital ratio | 10.4423% | 7,203 |
| Memoranda: |
| Average total assets | $114,339,000 | 4,635 |
| Average earning assets | $100,050,000 | 4,743 |
| Average equity | $8,298,500 | 5,522 |
| Average total loans | $85,645,000 | 4,086 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7099% | 1,534 |
| Cost of funding earning assets | 1.3106% | 3,812 |
| Net interest margin | 4.3994% | 1,475 |
| Noninterest income to average assets | -0.0263% | 7,327 |
| Noninterest expense to average assets | 3.7080% | 1,682 |
| Loan and lease loss provision to assets | 1.1729% | 1,346 |
| Net operating income to assets | -1.0709% | 6,727 |
| Return on assets (ROA) | -1.0709% | 6,754 |
| Pretax return on assets | -1.0642% | 6,677 |
| Return on Equity (ROE) | -13.9618% | 6,879 |
| Retained earnings to average equity (ytd only) | -13.9618% | 6,837 |
| Net charge-offs to loans | 0.9056% | 2,381 |
| Credit loss provision to net charge-offs | 167.3939% | 2,035 |
| Earnings coverage of net charge-offs (x) | 0.1552% | 5,956 |
| Efficiency ratio | 97.1518% | 910 |
| Assets per employee ($millions) | 3.3951% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3607% | 1,606 |
| Loan loss allowance to noncurrent loans | 46.9993% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 8.1017% | 608 |
| Noncurrent loans to loans | 5.0229% | 1,335 |
| Net loans and leases to total assets | 73.2364% | 1,818 |
| Net loans and leases to deposits | 79.3034% | 3,291 |
| Net loans and leases to core deposits | 88.3615% | 3,003 |
| Total domestic deposits to total assets | 92.3497% | 213 |
| Equity capital to assets | 7.2795% | 7,004 |
| Core capital (leverage) ratio | 7.1110% | 6,967 |
| Tier 1 risk-based capital ratio | 9.0642% | 7,233 |
| Total risk-based capital ratio | 10.3263% | 7,235 |
| Memoranda: |
| Average total assets | $117,746,200 | 4,529 |
| Average earning assets | $102,856,000 | 4,647 |
| Average equity | $9,031,800 | 5,412 |
| Average total loans | $91,094,800 | 4,025 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7323% | 1,599 |
| Cost of funding earning assets | 1.3503% | 3,899 |
| Net interest margin | 4.3820% | 1,584 |
| Noninterest income to average assets | -0.2310% | 7,609 |
| Noninterest expense to average assets | 3.7016% | 1,561 |
| Loan and lease loss provision to assets | 1.2857% | 1,088 |
| Net operating income to assets | -1.3950% | 7,071 |
| Return on assets (ROA) | -1.3950% | 7,093 |
| Pretax return on assets | -1.3860% | 7,008 |
| Return on Equity (ROE) | -17.9631% | 7,180 |
| Retained earnings to average equity (ytd only) | -17.9631% | 7,161 |
| Net charge-offs to loans | 0.5927% | 2,964 |
| Credit loss provision to net charge-offs | 278.2927% | 1,167 |
| Earnings coverage of net charge-offs (x) | -0.2171% | 6,183 |
| Efficiency ratio | 102.7847% | 662 |
| Assets per employee ($millions) | 3.3762% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5264% | 1,288 |
| Loan loss allowance to noncurrent loans | 41.7891% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 8.7714% | 531 |
| Noncurrent loans to loans | 6.0455% | 1,025 |
| Net loans and leases to total assets | 72.4519% | 2,148 |
| Net loans and leases to deposits | 78.4559% | 3,744 |
| Net loans and leases to core deposits | 86.7418% | 3,551 |
| Total domestic deposits to total assets | 92.3473% | 144 |
| Equity capital to assets | 7.1915% | 7,270 |
| Core capital (leverage) ratio | 7.0379% | 7,143 |
| Tier 1 risk-based capital ratio | 8.9487% | 7,374 |
| Total risk-based capital ratio | 10.2131% | 7,389 |
| Memoranda: |
| Average total assets | $118,324,500 | 4,574 |
| Average earning assets | $103,482,000 | 4,687 |
| Average equity | $9,189,000 | 5,429 |
| Average total loans | $92,222,750 | 4,071 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8998% | 1,188 |
| Cost of funding earning assets | 1.3952% | 3,901 |
| Net interest margin | 4.5046% | 1,198 |
| Noninterest income to average assets | -0.6674% | 7,768 |
| Noninterest expense to average assets | 3.7575% | 1,440 |
| Loan and lease loss provision to assets | 0.4427% | 3,105 |
| Net operating income to assets | -0.9428% | 6,923 |
| Return on assets (ROA) | -0.9428% | 6,940 |
| Pretax return on assets | -0.9292% | 6,855 |
| Return on Equity (ROE) | -11.8480% | 7,037 |
| Retained earnings to average equity (ytd only) | -11.8480% | 6,995 |
| Net charge-offs to loans | 0.3501% | 3,604 |
| Credit loss provision to net charge-offs | 159.7561% | 2,463 |
| Earnings coverage of net charge-offs (x) | -1.7561% | 6,194 |
| Efficiency ratio | 114.8760% | 480 |
| Assets per employee ($millions) | 3.2929% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7441% | 2,923 |
| Loan loss allowance to noncurrent loans | 35.4969% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 8.3331% | 571 |
| Noncurrent loans to loans | 4.9134% | 1,416 |
| Net loans and leases to total assets | 77.5256% | 1,189 |
| Net loans and leases to deposits | 85.8415% | 2,535 |
| Net loans and leases to core deposits | 94.4493% | 2,649 |
| Total domestic deposits to total assets | 90.3124% | 758 |
| Equity capital to assets | 7.9739% | 6,779 |
| Core capital (leverage) ratio | 7.7610% | 6,546 |
| Tier 1 risk-based capital ratio | 9.2037% | 7,373 |
| Total risk-based capital ratio | 10.4588% | 7,368 |
| Memoranda: |
| Average total assets | $118,376,670 | 4,610 |
| Average earning assets | $103,495,330 | 4,707 |
| Average equity | $9,419,330 | 5,372 |
| Average total loans | $93,685,670 | 4,066 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7703% | 1,555 |
| Cost of funding earning assets | 1.4198% | 4,048 |
| Net interest margin | 4.3505% | 1,535 |
| Noninterest income to average assets | -0.5369% | 7,865 |
| Noninterest expense to average assets | 3.9220% | 1,143 |
| Loan and lease loss provision to assets | 0.1501% | 5,045 |
| Net operating income to assets | -0.8137% | 7,010 |
| Return on assets (ROA) | -0.8137% | 7,037 |
| Pretax return on assets | -0.7871% | 6,941 |
| Return on Equity (ROE) | -10.2370% | 7,151 |
| Retained earnings to average equity (ytd only) | -10.2370% | 6,983 |
| Net charge-offs to loans | -0.0505% | 7,350 |
| Credit loss provision to net charge-offs | -375.0000% | 6,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3909% | 449 |
| Assets per employee ($millions) | 3.3459% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6256% | 3,343 |
| Loan loss allowance to noncurrent loans | 23.5986% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 9.1872% | 475 |
| Noncurrent loans to loans | 6.8885% | 873 |
| Net loans and leases to total assets | 79.8383% | 863 |
| Net loans and leases to deposits | 88.5447% | 2,122 |
| Net loans and leases to core deposits | 98.3837% | 2,305 |
| Total domestic deposits to total assets | 90.1672% | 905 |
| Equity capital to assets | 8.0567% | 6,596 |
| Core capital (leverage) ratio | 7.9535% | 6,307 |
| Tier 1 risk-based capital ratio | 9.2190% | 7,418 |
| Total risk-based capital ratio | 10.4724% | 7,420 |
| Memoranda: |
| Average total assets | $119,939,500 | 4,627 |
| Average earning assets | $105,366,500 | 4,725 |
| Average equity | $9,534,000 | 5,373 |
| Average total loans | $95,061,000 | 4,101 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1809% | 1,290 |
| Cost of funding earning assets | 1.6377% | 4,861 |
| Net interest margin | 4.5432% | 1,091 |
| Noninterest income to average assets | 0.7383% | 2,746 |
| Noninterest expense to average assets | 3.5339% | 2,307 |
| Loan and lease loss provision to assets | 1.2042% | 1,914 |
| Net operating income to assets | 0.0497% | 5,340 |
| Return on assets (ROA) | 0.0497% | 5,399 |
| Pretax return on assets | 0.0514% | 5,326 |
| Return on Equity (ROE) | 0.6033% | 5,356 |
| Retained earnings to average equity (ytd only) | -1.2691% | 5,337 |
| Net charge-offs to loans | 2.5050% | 922 |
| Credit loss provision to net charge-offs | 58.0272% | 6,666 |
| Earnings coverage of net charge-offs (x) | 0.6050% | 5,498 |
| Efficiency ratio | 73.7840% | 3,940 |
| Assets per employee ($millions) | 3.4103% | 5,232 |
| Cash dividends to net income (ytd only)* | 310.3448% | 97 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5650% | 3,417 |
| Loan loss allowance to noncurrent loans | 48.9957% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 6.2808% | 879 |
| Noncurrent loans to loans | 3.1942% | 2,392 |
| Net loans and leases to total assets | 76.2330% | 1,740 |
| Net loans and leases to deposits | 86.9782% | 2,741 |
| Net loans and leases to core deposits | 101.3712% | 3,864 |
| Total domestic deposits to total assets | 87.6461% | 2,148 |
| Equity capital to assets | 7.8463% | 6,723 |
| Core capital (leverage) ratio | 7.8846% | 6,337 |
| Tier 1 risk-based capital ratio | 9.2735% | 7,345 |
| Total risk-based capital ratio | 10.5263% | 7,341 |
| Memoranda: |
| Average total assets | $116,754,200 | 4,668 |
| Average earning assets | $104,111,400 | 4,725 |
| Average equity | $9,613,400 | 5,410 |
| Average total loans | $96,728,400 | 4,042 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2812% | 1,176 |
| Cost of funding earning assets | 1.6604% | 5,106 |
| Net interest margin | 4.6208% | 955 |
| Noninterest income to average assets | 0.8098% | 2,380 |
| Noninterest expense to average assets | 3.6361% | 1,948 |
| Loan and lease loss provision to assets | 1.1175% | 1,750 |
| Net operating income to assets | 0.1909% | 5,190 |
| Return on assets (ROA) | 0.1909% | 5,265 |
| Pretax return on assets | 0.1932% | 5,317 |
| Return on Equity (ROE) | 2.2895% | 5,065 |
| Retained earnings to average equity (ytd only) | -0.2081% | 5,265 |
| Net charge-offs to loans | 1.9765% | 1,004 |
| Credit loss provision to net charge-offs | 67.0833% | 6,043 |
| Earnings coverage of net charge-offs (x) | 0.7868% | 5,268 |
| Efficiency ratio | 73.5033% | 3,953 |
| Assets per employee ($millions) | 3.3765% | 5,213 |
| Cash dividends to net income (ytd only)* | 109.0913% | 476 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1087% | 1,588 |
| Loan loss allowance to noncurrent loans | 37.4240% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 6.7031% | 740 |
| Noncurrent loans to loans | 5.6348% | 1,101 |
| Net loans and leases to total assets | 77.5632% | 1,657 |
| Net loans and leases to deposits | 90.4783% | 2,487 |
| Net loans and leases to core deposits | 104.0238% | 3,933 |
| Total domestic deposits to total assets | 85.7258% | 2,844 |
| Equity capital to assets | 8.0507% | 6,801 |
| Core capital (leverage) ratio | 8.1467% | 6,109 |
| Tier 1 risk-based capital ratio | 9.4829% | 7,388 |
| Total risk-based capital ratio | 10.7420% | 7,343 |
| Memoranda: |
| Average total assets | $115,250,000 | 4,712 |
| Average earning assets | $103,184,000 | 4,783 |
| Average equity | $9,608,500 | 5,455 |
| Average total loans | $97,140,500 | 4,058 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4552% | 909 |
| Cost of funding earning assets | 1.7149% | 5,200 |
| Net interest margin | 4.7403% | 745 |
| Noninterest income to average assets | 0.8679% | 2,103 |
| Noninterest expense to average assets | 3.7897% | 1,673 |
| Loan and lease loss provision to assets | 1.3893% | 1,246 |
| Net operating income to assets | -0.0689% | 5,950 |
| Return on assets (ROA) | -0.0689% | 6,018 |
| Pretax return on assets | -0.0654% | 5,954 |
| Return on Equity (ROE) | -0.8168% | 6,051 |
| Retained earnings to average equity (ytd only) | -4.5867% | 6,236 |
| Net charge-offs to loans | 2.0161% | 917 |
| Credit loss provision to net charge-offs | 80.0407% | 5,198 |
| Earnings coverage of net charge-offs (x) | 0.7627% | 4,970 |
| Efficiency ratio | 74.1099% | 4,018 |
| Assets per employee ($millions) | 3.2210% | 5,534 |
| Cash dividends to net income (ytd only)* | -461.5385% | 8,160 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3455% | 1,049 |
| Loan loss allowance to noncurrent loans | 47.5690% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 6.2006% | 766 |
| Noncurrent loans to loans | 4.9307% | 1,253 |
| Net loans and leases to total assets | 82.9073% | 800 |
| Net loans and leases to deposits | 97.1571% | 1,644 |
| Net loans and leases to core deposits | 110.7239% | 3,304 |
| Total domestic deposits to total assets | 85.3332% | 3,094 |
| Equity capital to assets | 8.1522% | 6,558 |
| Core capital (leverage) ratio | 8.2276% | 5,930 |
| Tier 1 risk-based capital ratio | 8.9610% | 7,716 |
| Total risk-based capital ratio | 10.2230% | 7,731 |
| Memoranda: |
| Average total assets | $113,148,330 | 4,796 |
| Average earning assets | $101,344,670 | 4,863 |
| Average equity | $9,549,330 | 5,499 |
| Average total loans | $97,416,330 | 4,084 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4528% | 952 |
| Cost of funding earning assets | 1.7929% | 5,144 |
| Net interest margin | 4.6599% | 845 |
| Noninterest income to average assets | 0.7589% | 2,549 |
| Noninterest expense to average assets | 3.6977% | 1,661 |
| Loan and lease loss provision to assets | 1.9724% | 612 |
| Net operating income to assets | -0.7410% | 7,092 |
| Return on assets (ROA) | -0.7410% | 7,123 |
| Pretax return on assets | -0.7338% | 6,989 |
| Return on Equity (ROE) | -8.6272% | 7,278 |
| Retained earnings to average equity (ytd only) | -8.6272% | 6,973 |
| Net charge-offs to loans | 2.4189% | 593 |
| Credit loss provision to net charge-offs | 94.0273% | 3,920 |
| Earnings coverage of net charge-offs (x) | 0.5904% | 4,522 |
| Efficiency ratio | 74.9094% | 3,678 |
| Assets per employee ($millions) | 3.1383% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4914% | 774 |
| Loan loss allowance to noncurrent loans | 51.2874% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 5.5197% | 770 |
| Noncurrent loans to loans | 4.8576% | 1,129 |
| Net loans and leases to total assets | 85.5687% | 493 |
| Net loans and leases to deposits | 104.1499% | 1,002 |
| Net loans and leases to core deposits | 114.9569% | 2,912 |
| Total domestic deposits to total assets | 82.1592% | 4,486 |
| Equity capital to assets | 8.4212% | 6,198 |
| Core capital (leverage) ratio | 8.5177% | 5,494 |
| Tier 1 risk-based capital ratio | 9.0402% | 7,769 |
| Total risk-based capital ratio | 10.3040% | 7,781 |
| Memoranda: |
| Average total assets | $111,744,500 | 4,860 |
| Average earning assets | $100,173,000 | 4,911 |
| Average equity | $9,597,500 | 5,508 |
| Average total loans | $96,902,000 | 4,118 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7854% | 1,734 |
| Cost of funding earning assets | 2.5749% | 3,822 |
| Net interest margin | 4.2105% | 2,275 |
| Noninterest income to average assets | 0.7570% | 2,746 |
| Noninterest expense to average assets | 3.6100% | 2,119 |
| Loan and lease loss provision to assets | 1.1307% | 1,286 |
| Net operating income to assets | -0.1934% | 6,617 |
| Return on assets (ROA) | -0.1934% | 6,463 |
| Pretax return on assets | -0.1916% | 6,363 |
| Return on Equity (ROE) | -2.1454% | 6,529 |
| Retained earnings to average equity (ytd only) | -7.1320% | 6,797 |
| Net charge-offs to loans | 0.9711% | 1,272 |
| Credit loss provision to net charge-offs | 140.9338% | 3,765 |
| Earnings coverage of net charge-offs (x) | 1.1705% | 5,539 |
| Efficiency ratio | 79.3566% | 2,697 |
| Assets per employee ($millions) | 2.9082% | 6,274 |
| Cash dividends to net income (ytd only)* | -232.4324% | 8,215 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6463% | 587 |
| Loan loss allowance to noncurrent loans | 63.2416% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 4.8682% | 729 |
| Noncurrent loans to loans | 4.1844% | 1,163 |
| Net loans and leases to total assets | 83.3900% | 975 |
| Net loans and leases to deposits | 99.2579% | 1,952 |
| Net loans and leases to core deposits | 106.2525% | 4,167 |
| Total domestic deposits to total assets | 84.0135% | 3,314 |
| Equity capital to assets | 8.7601% | 5,714 |
| Core capital (leverage) ratio | 8.8032% | 5,031 |
| Tier 1 risk-based capital ratio | 9.4797% | 7,334 |
| Total risk-based capital ratio | 10.7452% | 7,232 |
| Memoranda: |
| Average total assets | $114,793,200 | 4,646 |
| Average earning assets | $103,384,000 | 4,698 |
| Average equity | $10,347,800 | 5,307 |
| Average total loans | $94,840,800 | 4,082 |
