| 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 | 6.4062% | 804 |
| Cost of funding earning assets | 2.6330% | 911 |
| Net interest margin | 3.7732% | 1,548 |
| Noninterest income to average assets | 1.4100% | 367 |
| Noninterest expense to average assets | 2.9786% | 1,182 |
| Loan and lease loss provision to assets | 0.3700% | 307 |
| Net operating income to assets | 1.2235% | 1,447 |
| Return on assets (ROA) | 1.2235% | 1,457 |
| Pretax return on assets | 1.5067% | 1,264 |
| Return on Equity (ROE) | 11.6300% | 1,702 |
| Retained earnings to average equity (ytd only) | 8.7443% | 873 |
| Net charge-offs to loans | 0.3234% | 455 |
| Credit loss provision to net charge-offs | 153.5332% | 1,390 |
| Earnings coverage of net charge-offs (x) | 7.7384% | 2,414 |
| Efficiency ratio | 60.6677% | 3,089 |
| Assets per employee ($millions) | 6.5924% | 2,448 |
| Cash dividends to net income (ytd only)* | 24.7981% | 2,789 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7599% | 3,966 |
| Loan loss allowance to noncurrent loans | 51.5763% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 603 |
| Noncurrent loans to loans | 1.4733% | 652 |
| Net loans and leases to total assets | 72.3700% | 1,627 |
| Net loans and leases to deposits | 80.7442% | 2,070 |
| Net loans and leases to core deposits | 109.6802% | 948 |
| Total domestic deposits to total assets | 89.6200% | 938 |
| Equity capital to assets | 9.9751% | 2,146 |
| Core capital (leverage) ratio | 10.8376% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: |
| Average total assets | $1,153,578,400 | 902 |
| Average earning assets | $1,054,515,000 | 904 |
| Average equity | $121,381,800 | 879 |
| Average total loans | $866,530,600 | 844 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4817% | 709 |
| Cost of funding earning assets | 2.6209% | 948 |
| Net interest margin | 3.8608% | 1,366 |
| Noninterest income to average assets | 1.5600% | 336 |
| Noninterest expense to average assets | 2.8599% | 1,352 |
| Loan and lease loss provision to assets | 0.2200% | 518 |
| Net operating income to assets | 1.6799% | 718 |
| Return on assets (ROA) | 1.6799% | 719 |
| Pretax return on assets | 2.0185% | 626 |
| Return on Equity (ROE) | 15.6900% | 862 |
| Retained earnings to average equity (ytd only) | 11.6608% | 556 |
| Net charge-offs to loans | 0.3722% | 356 |
| Credit loss provision to net charge-offs | 76.2342% | 1,881 |
| Earnings coverage of net charge-offs (x) | 7.9122% | 2,243 |
| Efficiency ratio | 55.4929% | 3,598 |
| Assets per employee ($millions) | 6.9657% | 2,167 |
| Cash dividends to net income (ytd only)* | 25.6956% | 2,330 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6821% | 4,120 |
| Loan loss allowance to noncurrent loans | 63.2809% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 878 |
| Noncurrent loans to loans | 1.0779% | 925 |
| Net loans and leases to total assets | 71.5500% | 1,664 |
| Net loans and leases to deposits | 81.1792% | 2,065 |
| Net loans and leases to core deposits | 115.5102% | 746 |
| Total domestic deposits to total assets | 88.1400% | 1,204 |
| Equity capital to assets | 11.1964% | 1,627 |
| Core capital (leverage) ratio | 12.1187% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: |
| Average total assets | $1,081,037,500 | 944 |
| Average earning assets | $988,192,250 | 943 |
| Average equity | $115,723,500 | 900 |
| Average total loans | $819,966,000 | 880 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5078% | 626 |
| Cost of funding earning assets | 2.5552% | 990 |
| Net interest margin | 3.9526% | 1,176 |
| Noninterest income to average assets | 1.5200% | 349 |
| Noninterest expense to average assets | 2.8796% | 1,305 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | 1.7411% | 632 |
| Return on assets (ROA) | 1.7411% | 632 |
| Pretax return on assets | 2.0938% | 563 |
| Return on Equity (ROE) | 16.5600% | 759 |
| Retained earnings to average equity (ytd only) | 10.1428% | 845 |
| Net charge-offs to loans | 0.4306% | 286 |
| Credit loss provision to net charge-offs | 44.5281% | 1,852 |
| Earnings coverage of net charge-offs (x) | 6.7336% | 2,139 |
| Efficiency ratio | 55.5505% | 3,618 |
| Assets per employee ($millions) | 6.6762% | 2,278 |
| Cash dividends to net income (ytd only)* | 38.7554% | 1,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6658% | 4,160 |
| Loan loss allowance to noncurrent loans | 68.2596% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 875 |
| Noncurrent loans to loans | 0.9754% | 964 |
| Net loans and leases to total assets | 75.5200% | 1,231 |
| Net loans and leases to deposits | 84.6456% | 1,775 |
| Net loans and leases to core deposits | 108.8053% | 1,019 |
| Total domestic deposits to total assets | 89.2100% | 937 |
| Equity capital to assets | 10.2534% | 1,936 |
| Core capital (leverage) ratio | 10.5432% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: |
| Average total assets | $1,037,371,000 | 973 |
| Average earning assets | $946,060,333 | 979 |
| Average equity | $109,063,000 | 932 |
| Average total loans | $802,223,667 | 894 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4675% | 599 |
| Cost of funding earning assets | 2.3654% | 1,228 |
| Net interest margin | 4.1021% | 965 |
| Noninterest income to average assets | 1.9300% | 248 |
| Noninterest expense to average assets | 3.0311% | 1,059 |
| Loan and lease loss provision to assets | 0.3000% | 305 |
| Net operating income to assets | 1.9992% | 441 |
| Return on assets (ROA) | 1.9992% | 447 |
| Pretax return on assets | 2.3331% | 408 |
| Return on Equity (ROE) | 18.7600% | 538 |
| Retained earnings to average equity (ytd only) | 5.7360% | 2,179 |
| Net charge-offs to loans | 0.3908% | 229 |
| Credit loss provision to net charge-offs | 100.0000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 8.6502% | 1,702 |
| Efficiency ratio | 52.8367% | 3,838 |
| Assets per employee ($millions) | 6.1141% | 2,741 |
| Cash dividends to net income (ytd only)* | 69.4307% | 899 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8029% | 3,935 |
| Loan loss allowance to noncurrent loans | 142.9200% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 1,304 |
| Noncurrent loans to loans | 0.5618% | 1,521 |
| Net loans and leases to total assets | 77.7200% | 882 |
| Net loans and leases to deposits | 87.4178% | 1,413 |
| Net loans and leases to core deposits | 104.5576% | 1,177 |
| Total domestic deposits to total assets | 88.9000% | 1,132 |
| Equity capital to assets | 10.4499% | 1,751 |
| Core capital (leverage) ratio | 10.8886% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: |
| Average total assets | $1,008,604,500 | 995 |
| Average earning assets | $919,236,000 | 1,013 |
| Average equity | $107,462,000 | 942 |
| Average total loans | $787,153,500 | 907 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3039% | 433 |
| Cost of funding earning assets | 1.7068% | 1,438 |
| Net interest margin | 4.5971% | 530 |
| Noninterest income to average assets | 2.1600% | 247 |
| Noninterest expense to average assets | 3.1058% | 950 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 2.4250% | 261 |
| Return on assets (ROA) | 2.4250% | 253 |
| Pretax return on assets | 3.0322% | 199 |
| Return on Equity (ROE) | 22.9100% | 405 |
| Retained earnings to average equity (ytd only) | 8.7713% | 1,309 |
| Net charge-offs to loans | 0.0673% | 1,177 |
| Credit loss provision to net charge-offs | 403.0303% | 780 |
| Earnings coverage of net charge-offs (x) | 61.7212% | 1,174 |
| Efficiency ratio | 48.3094% | 4,075 |
| Assets per employee ($millions) | 6.0736% | 2,758 |
| Cash dividends to net income (ytd only)* | 61.7102% | 1,120 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8499% | 3,853 |
| Loan loss allowance to noncurrent loans | 142.6690% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 1,136 |
| Noncurrent loans to loans | 0.5957% | 1,323 |
| Net loans and leases to total assets | 77.0600% | 970 |
| Net loans and leases to deposits | 86.9504% | 1,538 |
| Net loans and leases to core deposits | 103.0666% | 1,273 |
| Total domestic deposits to total assets | 88.6300% | 1,175 |
| Equity capital to assets | 10.8694% | 1,544 |
| Core capital (leverage) ratio | 11.0500% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $941,797,800 | 1,037 |
| Average earning assets | $857,642,200 | 1,047 |
| Average equity | $99,699,600 | 950 |
| Average total loans | $735,504,200 | 917 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2229% | 406 |
| Cost of funding earning assets | 1.5493% | 1,480 |
| Net interest margin | 4.6736% | 478 |
| Noninterest income to average assets | 2.5100% | 230 |
| Noninterest expense to average assets | 3.1324% | 890 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 2.6866% | 223 |
| Return on assets (ROA) | 2.6866% | 222 |
| Pretax return on assets | 3.3539% | 177 |
| Return on Equity (ROE) | 25.5600% | 370 |
| Retained earnings to average equity (ytd only) | 11.6348% | 1,038 |
| Net charge-offs to loans | 0.0815% | 909 |
| Credit loss provision to net charge-offs | 437.0787% | 694 |
| Earnings coverage of net charge-offs (x) | 57.0135% | 1,234 |
| Efficiency ratio | 45.7376% | 4,150 |
| Assets per employee ($millions) | 6.3566% | 2,447 |
| Cash dividends to net income (ytd only)* | 54.4791% | 1,102 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8689% | 3,825 |
| Loan loss allowance to noncurrent loans | 176.1995% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 1,511 |
| Noncurrent loans to loans | 0.4931% | 1,586 |
| Net loans and leases to total assets | 76.7500% | 1,023 |
| Net loans and leases to deposits | 86.7096% | 1,491 |
| Net loans and leases to core deposits | 106.0160% | 1,017 |
| Total domestic deposits to total assets | 88.5200% | 1,403 |
| Equity capital to assets | 10.6071% | 1,509 |
| Core capital (leverage) ratio | 11.1879% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $931,266,000 | 1,054 |
| Average earning assets | $848,520,000 | 1,059 |
| Average equity | $97,887,750 | 957 |
| Average total loans | $728,190,250 | 923 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0920% | 398 |
| Cost of funding earning assets | 1.2968% | 1,717 |
| Net interest margin | 4.7952% | 409 |
| Noninterest income to average assets | 1.8400% | 263 |
| Noninterest expense to average assets | 3.0956% | 911 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 2.5228% | 241 |
| Return on assets (ROA) | 2.5228% | 236 |
| Pretax return on assets | 3.0047% | 207 |
| Return on Equity (ROE) | 24.0800% | 422 |
| Retained earnings to average equity (ytd only) | 10.1583% | 1,365 |
| Net charge-offs to loans | 0.0751% | 823 |
| Credit loss provision to net charge-offs | 192.2509% | 1,072 |
| Earnings coverage of net charge-offs (x) | 52.9041% | 1,260 |
| Efficiency ratio | 49.1932% | 3,987 |
| Assets per employee ($millions) | 6.9171% | 1,994 |
| Cash dividends to net income (ytd only)* | 57.8103% | 1,043 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6993% | 4,185 |
| Loan loss allowance to noncurrent loans | 202.0785% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 1,864 |
| Noncurrent loans to loans | 0.3461% | 1,894 |
| Net loans and leases to total assets | 76.9800% | 948 |
| Net loans and leases to deposits | 93.8352% | 883 |
| Net loans and leases to core deposits | 118.6452% | 550 |
| Total domestic deposits to total assets | 82.0400% | 3,223 |
| Equity capital to assets | 10.6189% | 1,543 |
| Core capital (leverage) ratio | 11.5044% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $919,619,000 | 1,059 |
| Average earning assets | $839,296,333 | 1,064 |
| Average equity | $96,354,667 | 962 |
| Average total loans | $721,560,333 | 913 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9638% | 325 |
| Cost of funding earning assets | 1.1162% | 1,712 |
| Net interest margin | 4.8476% | 348 |
| Noninterest income to average assets | 2.2600% | 208 |
| Noninterest expense to average assets | 3.4105% | 593 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 2.7045% | 203 |
| Return on assets (ROA) | 2.7045% | 199 |
| Pretax return on assets | 3.0933% | 187 |
| Return on Equity (ROE) | 26.0000% | 364 |
| Retained earnings to average equity (ytd only) | 11.1860% | 1,429 |
| Net charge-offs to loans | 0.1912% | 377 |
| Credit loss provision to net charge-offs | 129.5858% | 1,006 |
| Earnings coverage of net charge-offs (x) | 21.7781% | 1,431 |
| Efficiency ratio | 50.3068% | 3,910 |
| Assets per employee ($millions) | 6.4287% | 2,386 |
| Cash dividends to net income (ytd only)* | 56.9800% | 1,019 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7189% | 4,215 |
| Loan loss allowance to noncurrent loans | 134.7424% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4176% | 1,236 |
| Noncurrent loans to loans | 0.5336% | 1,387 |
| Net loans and leases to total assets | 77.7000% | 797 |
| Net loans and leases to deposits | 91.0532% | 974 |
| Net loans and leases to core deposits | 106.8619% | 799 |
| Total domestic deposits to total assets | 85.3300% | 2,765 |
| Equity capital to assets | 11.2049% | 1,265 |
| Core capital (leverage) ratio | 11.7784% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $895,235,000 | 1,101 |
| Average earning assets | $819,947,500 | 1,102 |
| Average equity | $93,116,000 | 1,006 |
| Average total loans | $706,990,500 | 948 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0090% | 292 |
| Cost of funding earning assets | 0.5499% | 1,108 |
| Net interest margin | 4.4591% | 317 |
| Noninterest income to average assets | 1.6800% | 303 |
| Noninterest expense to average assets | 3.3480% | 584 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.8146% | 426 |
| Return on assets (ROA) | 1.8146% | 409 |
| Pretax return on assets | 2.2767% | 277 |
| Return on Equity (ROE) | 18.7800% | 602 |
| Retained earnings to average equity (ytd only) | 5.0955% | 3,007 |
| Net charge-offs to loans | 0.2131% | 386 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 14.3751% | 2,033 |
| Efficiency ratio | 56.9820% | 3,471 |
| Assets per employee ($millions) | 6.3144% | 2,498 |
| Cash dividends to net income (ytd only)* | 72.8735% | 595 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7096% | 4,199 |
| Loan loss allowance to noncurrent loans | 114.6263% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 1,032 |
| Noncurrent loans to loans | 0.6191% | 1,201 |
| Net loans and leases to total assets | 79.1400% | 681 |
| Net loans and leases to deposits | 92.5696% | 885 |
| Net loans and leases to core deposits | 106.0103% | 748 |
| Total domestic deposits to total assets | 85.4900% | 2,859 |
| Equity capital to assets | 9.5773% | 1,946 |
| Core capital (leverage) ratio | 9.8675% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $787,814,000 | 1,199 |
| Average earning assets | $726,871,200 | 1,189 |
| Average equity | $76,106,600 | 1,178 |
| Average total loans | $629,417,000 | 1,001 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7173% | 339 |
| Cost of funding earning assets | 0.4302% | 1,098 |
| Net interest margin | 4.2871% | 346 |
| Noninterest income to average assets | 2.0300% | 265 |
| Noninterest expense to average assets | 3.2800% | 612 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 2.0992% | 246 |
| Return on assets (ROA) | 2.0992% | 244 |
| Pretax return on assets | 2.6425% | 185 |
| Return on Equity (ROE) | 21.6800% | 310 |
| Retained earnings to average equity (ytd only) | 7.7005% | 2,114 |
| Net charge-offs to loans | 0.1537% | 425 |
| Credit loss provision to net charge-offs | 58.0966% | 1,500 |
| Earnings coverage of net charge-offs (x) | 22.0824% | 1,676 |
| Efficiency ratio | 53.9362% | 3,825 |
| Assets per employee ($millions) | 5.9798% | 2,784 |
| Cash dividends to net income (ytd only)* | 64.4740% | 750 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7280% | 4,210 |
| Loan loss allowance to noncurrent loans | 99.1152% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 955 |
| Noncurrent loans to loans | 0.7345% | 1,110 |
| Net loans and leases to total assets | 75.5600% | 954 |
| Net loans and leases to deposits | 92.3588% | 748 |
| Net loans and leases to core deposits | 96.3320% | 983 |
| Total domestic deposits to total assets | 81.8100% | 3,869 |
| Equity capital to assets | 9.8563% | 1,689 |
| Core capital (leverage) ratio | 10.5404% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $763,762,250 | 1,229 |
| Average earning assets | $706,291,500 | 1,235 |
| Average equity | $73,967,000 | 1,212 |
| Average total loans | $610,620,750 | 1,023 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4352% | 413 |
| Cost of funding earning assets | 0.3999% | 920 |
| Net interest margin | 4.0353% | 459 |
| Noninterest income to average assets | 2.7270% | 169 |
| Noninterest expense to average assets | 3.4174% | 470 |
| Loan and lease loss provision to assets | 0.1112% | 900 |
| Net operating income to assets | 2.3264% | 133 |
| Return on assets (ROA) | 2.3264% | 133 |
| Pretax return on assets | 2.9422% | 108 |
| Return on Equity (ROE) | 24.1866% | 136 |
| Retained earnings to average equity (ytd only) | 11.5744% | 684 |
| Net charge-offs to loans | 0.2048% | 317 |
| Credit loss provision to net charge-offs | 66.7210% | 1,443 |
| Earnings coverage of net charge-offs (x) | 18.3132% | 1,583 |
| Efficiency ratio | 52.0555% | 4,125 |
| Assets per employee ($millions) | 5.3873% | 3,348 |
| Cash dividends to net income (ytd only)* | 52.1454% | 1,286 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7768% | 4,210 |
| Loan loss allowance to noncurrent loans | 186.5033% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 1,675 |
| Noncurrent loans to loans | 0.4165% | 1,867 |
| Net loans and leases to total assets | 78.9541% | 485 |
| Net loans and leases to deposits | 88.7621% | 790 |
| Net loans and leases to core deposits | 93.3166% | 954 |
| Total domestic deposits to total assets | 88.9503% | 2,207 |
| Equity capital to assets | 10.5904% | 1,394 |
| Core capital (leverage) ratio | 11.2520% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $735,305,333 | 1,272 |
| Average earning assets | $682,180,667 | 1,277 |
| Average equity | $70,725,000 | 1,284 |
| Average total loans | $598,718,333 | 1,029 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5527% | 284 |
| Cost of funding earning assets | 0.4221% | 768 |
| Net interest margin | 4.1307% | 320 |
| Noninterest income to average assets | 4.0734% | 120 |
| Noninterest expense to average assets | 3.6841% | 353 |
| Loan and lease loss provision to assets | 0.2288% | 302 |
| Net operating income to assets | 3.1365% | 70 |
| Return on assets (ROA) | 3.1365% | 68 |
| Pretax return on assets | 3.9873% | 62 |
| Return on Equity (ROE) | 34.4998% | 42 |
| Retained earnings to average equity (ytd only) | 21.8308% | 72 |
| Net charge-offs to loans | 0.2769% | 229 |
| Credit loss provision to net charge-offs | 100.2451% | 1,009 |
| Earnings coverage of net charge-offs (x) | 18.4730% | 1,305 |
| Efficiency ratio | 45.9959% | 4,496 |
| Assets per employee ($millions) | 5.1882% | 3,592 |
| Cash dividends to net income (ytd only)* | 36.7220% | 1,593 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8538% | 4,144 |
| Loan loss allowance to noncurrent loans | 105.6859% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 913 |
| Noncurrent loans to loans | 0.8078% | 1,174 |
| Net loans and leases to total assets | 79.9412% | 243 |
| Net loans and leases to deposits | 88.5495% | 591 |
| Net loans and leases to core deposits | 93.2865% | 762 |
| Total domestic deposits to total assets | 90.2786% | 1,397 |
| Equity capital to assets | 9.2310% | 2,502 |
| Core capital (leverage) ratio | 9.0641% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $715,074,000 | 1,300 |
| Average earning assets | $662,459,500 | 1,310 |
| Average equity | $65,009,000 | 1,405 |
| Average total loans | $589,429,500 | 1,034 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9798% | 269 |
| Cost of funding earning assets | 0.4320% | 1,313 |
| Net interest margin | 4.5478% | 245 |
| Noninterest income to average assets | 1.3899% | 566 |
| Noninterest expense to average assets | 3.5099% | 464 |
| Loan and lease loss provision to assets | 0.2238% | 448 |
| Net operating income to assets | 1.8224% | 486 |
| Return on assets (ROA) | 1.8224% | 507 |
| Pretax return on assets | 1.8224% | 871 |
| Return on Equity (ROE) | 19.6900% | 327 |
| Retained earnings to average equity (ytd only) | 3.2387% | 3,530 |
| Net charge-offs to loans | -0.0030% | 3,438 |
| Credit loss provision to net charge-offs | -8,723.5294% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1944% | 2,844 |
| Assets per employee ($millions) | 5.1000% | 3,645 |
| Cash dividends to net income (ytd only)* | 83.5514% | 435 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8429% | 4,193 |
| Loan loss allowance to noncurrent loans | 94.3396% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 816 |
| Noncurrent loans to loans | 0.8934% | 1,135 |
| Net loans and leases to total assets | 83.5759% | 126 |
| Net loans and leases to deposits | 92.0145% | 469 |
| Net loans and leases to core deposits | 96.7696% | 663 |
| Total domestic deposits to total assets | 90.8291% | 567 |
| Equity capital to assets | 8.9470% | 3,680 |
| Core capital (leverage) ratio | 8.8482% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $662,549,400 | 1,337 |
| Average earning assets | $606,950,400 | 1,360 |
| Average equity | $61,320,400 | 1,488 |
| Average total loans | $561,218,400 | 1,074 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0052% | 295 |
| Cost of funding earning assets | 0.4274% | 1,502 |
| Net interest margin | 4.5778% | 276 |
| Noninterest income to average assets | 1.5951% | 492 |
| Noninterest expense to average assets | 3.3932% | 540 |
| Loan and lease loss provision to assets | 0.1969% | 526 |
| Net operating income to assets | 2.1871% | 334 |
| Return on assets (ROA) | 2.1871% | 351 |
| Pretax return on assets | 2.1871% | 562 |
| Return on Equity (ROE) | 23.4204% | 234 |
| Retained earnings to average equity (ytd only) | 8.2329% | 1,981 |
| Net charge-offs to loans | -0.0089% | 3,627 |
| Credit loss provision to net charge-offs | -2,602.7027% | 4,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7722% | 3,307 |
| Assets per employee ($millions) | 5.0459% | 3,658 |
| Cash dividends to net income (ytd only)* | 64.8472% | 712 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7740% | 4,390 |
| Loan loss allowance to noncurrent loans | 224.2152% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 2,168 |
| Noncurrent loans to loans | 0.3452% | 2,541 |
| Net loans and leases to total assets | 84.6894% | 97 |
| Net loans and leases to deposits | 98.8841% | 251 |
| Net loans and leases to core deposits | 104.7703% | 437 |
| Total domestic deposits to total assets | 85.6451% | 2,897 |
| Equity capital to assets | 9.2172% | 3,637 |
| Core capital (leverage) ratio | 9.5229% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $652,236,250 | 1,371 |
| Average earning assets | $595,846,750 | 1,402 |
| Average equity | $60,908,250 | 1,520 |
| Average total loans | $553,220,750 | 1,105 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0692% | 306 |
| Cost of funding earning assets | 0.4261% | 1,689 |
| Net interest margin | 4.6431% | 293 |
| Noninterest income to average assets | 1.4448% | 581 |
| Noninterest expense to average assets | 3.4828% | 476 |
| Loan and lease loss provision to assets | 0.1618% | 718 |
| Net operating income to assets | 2.0362% | 459 |
| Return on assets (ROA) | 2.0362% | 483 |
| Pretax return on assets | 2.0362% | 776 |
| Return on Equity (ROE) | 21.7047% | 342 |
| Retained earnings to average equity (ytd only) | 8.8053% | 1,778 |
| Net charge-offs to loans | 0.0074% | 1,866 |
| Credit loss provision to net charge-offs | 2,600.0000% | 233 |
| Earnings coverage of net charge-offs (x) | 353.1000% | 331 |
| Efficiency ratio | 60.3222% | 2,975 |
| Assets per employee ($millions) | 4.9652% | 3,689 |
| Cash dividends to net income (ytd only)* | 59.4314% | 939 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7212% | 4,497 |
| Loan loss allowance to noncurrent loans | 306.2787% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 2,771 |
| Noncurrent loans to loans | 0.2355% | 3,105 |
| Net loans and leases to total assets | 84.0115% | 136 |
| Net loans and leases to deposits | 100.0091% | 255 |
| Net loans and leases to core deposits | 105.3829% | 489 |
| Total domestic deposits to total assets | 84.0039% | 3,441 |
| Equity capital to assets | 9.4188% | 3,410 |
| Core capital (leverage) ratio | 9.5323% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $642,583,667 | 1,381 |
| Average earning assets | $586,242,667 | 1,411 |
| Average equity | $60,282,000 | 1,520 |
| Average total loans | $543,828,000 | 1,117 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7709% | 510 |
| Cost of funding earning assets | 0.4316% | 1,852 |
| Net interest margin | 4.3393% | 480 |
| Noninterest income to average assets | 1.6008% | 544 |
| Noninterest expense to average assets | 3.4946% | 466 |
| Loan and lease loss provision to assets | 0.1214% | 1,128 |
| Net operating income to assets | 1.9353% | 625 |
| Return on assets (ROA) | 1.9353% | 670 |
| Pretax return on assets | 1.9353% | 1,057 |
| Return on Equity (ROE) | 20.6725% | 490 |
| Retained earnings to average equity (ytd only) | 7.9923% | 2,239 |
| Net charge-offs to loans | -0.0423% | 4,330 |
| Credit loss provision to net charge-offs | -338.5965% | 3,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9323% | 2,767 |
| Assets per employee ($millions) | 4.8800% | 3,773 |
| Cash dividends to net income (ytd only)* | 61.3385% | 864 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6920% | 4,585 |
| Loan loss allowance to noncurrent loans | 91.7095% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 1,338 |
| Noncurrent loans to loans | 0.7546% | 1,729 |
| Net loans and leases to total assets | 86.1525% | 87 |
| Net loans and leases to deposits | 95.7295% | 413 |
| Net loans and leases to core deposits | 100.7613% | 684 |
| Total domestic deposits to total assets | 89.9958% | 822 |
| Equity capital to assets | 9.6308% | 3,065 |
| Core capital (leverage) ratio | 9.3673% | 3,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $636,173,500 | 1,383 |
| Average earning assets | $579,174,500 | 1,413 |
| Average equity | $59,557,500 | 1,526 |
| Average total loans | $538,434,500 | 1,128 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2287% | 321 |
| Cost of funding earning assets | 0.5157% | 2,846 |
| Net interest margin | 4.7130% | 210 |
| Noninterest income to average assets | 1.2552% | 715 |
| Noninterest expense to average assets | 3.4857% | 701 |
| Loan and lease loss provision to assets | 0.3866% | 832 |
| Net operating income to assets | 1.6367% | 591 |
| Return on assets (ROA) | 1.6367% | 638 |
| Pretax return on assets | 1.6367% | 985 |
| Return on Equity (ROE) | 16.7310% | 439 |
| Retained earnings to average equity (ytd only) | 4.6599% | 2,444 |
| Net charge-offs to loans | 0.2575% | 674 |
| Credit loss provision to net charge-offs | 179.9361% | 2,266 |
| Earnings coverage of net charge-offs (x) | 9.4165% | 2,526 |
| Efficiency ratio | 62.0534% | 3,122 |
| Assets per employee ($millions) | 5.2234% | 3,126 |
| Cash dividends to net income (ytd only)* | 72.1482% | 887 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6542% | 4,656 |
| Loan loss allowance to noncurrent loans | 539.2912% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 2,932 |
| Noncurrent loans to loans | 0.1213% | 3,800 |
| Net loans and leases to total assets | 82.0550% | 290 |
| Net loans and leases to deposits | 97.9269% | 464 |
| Net loans and leases to core deposits | 103.1676% | 763 |
| Total domestic deposits to total assets | 83.7921% | 3,171 |
| Equity capital to assets | 9.1025% | 3,972 |
| Core capital (leverage) ratio | 9.4355% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0568% | 2,214 |
| Memoranda: |
| Average total assets | $582,206,400 | 1,362 |
| Average earning assets | $525,480,600 | 1,402 |
| Average equity | $56,954,200 | 1,498 |
| Average total loans | $485,745,200 | 1,168 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8384% | 828 |
| Cost of funding earning assets | 0.5348% | 3,024 |
| Net interest margin | 4.3036% | 580 |
| Noninterest income to average assets | 1.9899% | 320 |
| Noninterest expense to average assets | 3.6494% | 583 |
| Loan and lease loss provision to assets | 0.4932% | 602 |
| Net operating income to assets | 1.7270% | 546 |
| Return on assets (ROA) | 1.7270% | 606 |
| Pretax return on assets | 1.7270% | 914 |
| Return on Equity (ROE) | 17.0155% | 449 |
| Retained earnings to average equity (ytd only) | 5.9507% | 2,126 |
| Net charge-offs to loans | 0.3082% | 511 |
| Credit loss provision to net charge-offs | 191.1577% | 2,144 |
| Earnings coverage of net charge-offs (x) | 8.6053% | 2,486 |
| Efficiency ratio | 60.9689% | 3,221 |
| Assets per employee ($millions) | 4.9314% | 3,337 |
| Cash dividends to net income (ytd only)* | 65.0279% | 963 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6463% | 4,669 |
| Loan loss allowance to noncurrent loans | 266.9718% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 2,679 |
| Noncurrent loans to loans | 0.2421% | 3,433 |
| Net loans and leases to total assets | 85.9127% | 158 |
| Net loans and leases to deposits | 104.2341% | 381 |
| Net loans and leases to core deposits | 109.4144% | 721 |
| Total domestic deposits to total assets | 82.4228% | 3,307 |
| Equity capital to assets | 9.3959% | 3,769 |
| Core capital (leverage) ratio | 9.7365% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3650% | 2,045 |
| Memoranda: |
| Average total assets | $566,917,250 | 1,381 |
| Average earning assets | $511,062,500 | 1,414 |
| Average equity | $57,538,250 | 1,486 |
| Average total loans | $474,523,250 | 1,184 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9857% | 843 |
| Cost of funding earning assets | 0.5753% | 3,107 |
| Net interest margin | 4.4104% | 602 |
| Noninterest income to average assets | 2.1023% | 273 |
| Noninterest expense to average assets | 3.7085% | 567 |
| Loan and lease loss provision to assets | 0.5856% | 550 |
| Net operating income to assets | 1.7736% | 531 |
| Return on assets (ROA) | 1.7736% | 581 |
| Pretax return on assets | 1.7736% | 854 |
| Return on Equity (ROE) | 16.9941% | 455 |
| Retained earnings to average equity (ytd only) | 7.9752% | 1,314 |
| Net charge-offs to loans | 0.2663% | 593 |
| Credit loss provision to net charge-offs | 266.1130% | 1,704 |
| Earnings coverage of net charge-offs (x) | 10.7209% | 2,135 |
| Efficiency ratio | 59.8470% | 3,427 |
| Assets per employee ($millions) | 4.7451% | 3,479 |
| Cash dividends to net income (ytd only)* | 53.0709% | 1,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6671% | 4,637 |
| Loan loss allowance to noncurrent loans | 149.1265% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 2,764 |
| Noncurrent loans to loans | 0.4474% | 2,815 |
| Net loans and leases to total assets | 85.1375% | 179 |
| Net loans and leases to deposits | 101.1924% | 483 |
| Net loans and leases to core deposits | 104.9317% | 948 |
| Total domestic deposits to total assets | 84.1342% | 2,711 |
| Equity capital to assets | 9.5666% | 3,592 |
| Core capital (leverage) ratio | 9.3721% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5075% | 1,999 |
| Memoranda: |
| Average total assets | $547,125,333 | 1,400 |
| Average earning assets | $491,924,667 | 1,431 |
| Average equity | $57,102,333 | 1,486 |
| Average total loans | $452,176,000 | 1,207 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4216% | 446 |
| Cost of funding earning assets | 0.7180% | 2,853 |
| Net interest margin | 4.7037% | 326 |
| Noninterest income to average assets | 1.3719% | 469 |
| Noninterest expense to average assets | 3.5552% | 861 |
| Loan and lease loss provision to assets | 0.4221% | 716 |
| Net operating income to assets | 1.6058% | 617 |
| Return on assets (ROA) | 1.6058% | 683 |
| Pretax return on assets | 1.6058% | 1,039 |
| Return on Equity (ROE) | 14.6592% | 595 |
| Retained earnings to average equity (ytd only) | 4.3708% | 2,544 |
| Net charge-offs to loans | 0.5222% | 278 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 4.8048% | 2,114 |
| Efficiency ratio | 61.9936% | 3,499 |
| Assets per employee ($millions) | 4.0517% | 3,852 |
| Cash dividends to net income (ytd only)* | 70.1839% | 1,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5895% | 4,772 |
| Loan loss allowance to noncurrent loans | 93.8791% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 2,469 |
| Noncurrent loans to loans | 0.6280% | 2,418 |
| Net loans and leases to total assets | 80.6536% | 612 |
| Net loans and leases to deposits | 90.7411% | 1,428 |
| Net loans and leases to core deposits | 94.3699% | 1,933 |
| Total domestic deposits to total assets | 88.8831% | 714 |
| Equity capital to assets | 10.8178% | 3,031 |
| Core capital (leverage) ratio | 10.4112% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9271% | 2,323 |
| Memoranda: |
| Average total assets | $514,629,500 | 1,433 |
| Average earning assets | $460,748,500 | 1,463 |
| Average equity | $56,374,000 | 1,495 |
| Average total loans | $415,943,500 | 1,258 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8421% | 300 |
| Cost of funding earning assets | 0.9245% | 2,088 |
| Net interest margin | 4.9176% | 319 |
| Noninterest income to average assets | 1.8276% | 300 |
| Noninterest expense to average assets | 4.1403% | 450 |
| Loan and lease loss provision to assets | 0.3364% | 464 |
| Net operating income to assets | 1.7815% | 541 |
| Return on assets (ROA) | 1.7815% | 578 |
| Pretax return on assets | 1.7815% | 987 |
| Return on Equity (ROE) | 17.8389% | 353 |
| Retained earnings to average equity (ytd only) | 0.8859% | 4,420 |
| Net charge-offs to loans | 0.2750% | 757 |
| Credit loss provision to net charge-offs | 148.0769% | 1,737 |
| Earnings coverage of net charge-offs (x) | 9.3221% | 2,680 |
| Efficiency ratio | 65.7533% | 2,811 |
| Assets per employee ($millions) | 3.6977% | 4,271 |
| Cash dividends to net income (ytd only)* | 95.0337% | 417 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6130% | 4,719 |
| Loan loss allowance to noncurrent loans | 66.0328% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 1,737 |
| Noncurrent loans to loans | 0.9283% | 1,650 |
| Net loans and leases to total assets | 80.0126% | 791 |
| Net loans and leases to deposits | 90.2709% | 1,556 |
| Net loans and leases to core deposits | 93.9935% | 2,062 |
| Total domestic deposits to total assets | 88.6360% | 824 |
| Equity capital to assets | 11.0951% | 2,908 |
| Core capital (leverage) ratio | 10.1748% | 3,330 |
| Tier 1 risk-based capital ratio | 13.5812% | 3,470 |
| Total risk-based capital ratio | 14.2229% | 3,682 |
| Memoranda: |
| Average total assets | $457,768,800 | 1,525 |
| Average earning assets | $412,435,800 | 1,578 |
| Average equity | $45,714,800 | 1,732 |
| Average total loans | $378,236,800 | 1,334 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8960% | 295 |
| Cost of funding earning assets | 0.9250% | 2,116 |
| Net interest margin | 4.9710% | 310 |
| Noninterest income to average assets | 2.0375% | 257 |
| Noninterest expense to average assets | 3.9514% | 562 |
| Loan and lease loss provision to assets | 0.3163% | 451 |
| Net operating income to assets | 2.2548% | 245 |
| Return on assets (ROA) | 2.2548% | 257 |
| Pretax return on assets | 2.2548% | 407 |
| Return on Equity (ROE) | 23.3139% | 128 |
| Retained earnings to average equity (ytd only) | 4.6411% | 3,084 |
| Net charge-offs to loans | 0.2003% | 870 |
| Credit loss provision to net charge-offs | 189.7666% | 1,381 |
| Earnings coverage of net charge-offs (x) | 15.4254% | 2,184 |
| Efficiency ratio | 60.3065% | 3,581 |
| Assets per employee ($millions) | 3.8777% | 4,057 |
| Cash dividends to net income (ytd only)* | 80.0929% | 660 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6468% | 4,740 |
| Loan loss allowance to noncurrent loans | 103.5626% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 2,447 |
| Noncurrent loans to loans | 0.6245% | 2,412 |
| Net loans and leases to total assets | 80.5144% | 779 |
| Net loans and leases to deposits | 89.6347% | 1,741 |
| Net loans and leases to core deposits | 92.8461% | 2,286 |
| Total domestic deposits to total assets | 89.8251% | 331 |
| Equity capital to assets | 9.7176% | 4,278 |
| Core capital (leverage) ratio | 9.6976% | 3,975 |
| Tier 1 risk-based capital ratio | 11.7793% | 4,533 |
| Total risk-based capital ratio | 12.4440% | 4,710 |
| Memoranda: |
| Average total assets | $445,565,000 | 1,575 |
| Average earning assets | $402,002,250 | 1,617 |
| Average equity | $43,092,000 | 1,827 |
| Average total loans | $370,838,250 | 1,368 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8614% | 302 |
| Cost of funding earning assets | 0.9163% | 2,070 |
| Net interest margin | 4.9451% | 324 |
| Noninterest income to average assets | 1.9816% | 271 |
| Noninterest expense to average assets | 3.9775% | 553 |
| Loan and lease loss provision to assets | 0.2455% | 631 |
| Net operating income to assets | 2.2114% | 261 |
| Return on assets (ROA) | 2.2114% | 272 |
| Pretax return on assets | 2.2114% | 435 |
| Return on Equity (ROE) | 22.9061% | 142 |
| Retained earnings to average equity (ytd only) | 9.2034% | 980 |
| Net charge-offs to loans | 0.1827% | 901 |
| Credit loss provision to net charge-offs | 159.8802% | 1,428 |
| Earnings coverage of net charge-offs (x) | 16.0030% | 1,954 |
| Efficiency ratio | 61.5302% | 3,502 |
| Assets per employee ($millions) | 3.6338% | 4,339 |
| Cash dividends to net income (ytd only)* | 59.8212% | 1,417 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5803% | 4,908 |
| Loan loss allowance to noncurrent loans | 90.2009% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 2,351 |
| Noncurrent loans to loans | 0.6434% | 2,333 |
| Net loans and leases to total assets | 83.6444% | 393 |
| Net loans and leases to deposits | 92.9423% | 1,382 |
| Net loans and leases to core deposits | 96.5402% | 2,017 |
| Total domestic deposits to total assets | 89.9961% | 335 |
| Equity capital to assets | 9.5814% | 4,330 |
| Core capital (leverage) ratio | 9.4350% | 4,215 |
| Tier 1 risk-based capital ratio | 11.6114% | 4,630 |
| Total risk-based capital ratio | 12.2317% | 4,833 |
| Memoranda: |
| Average total assets | $435,100,670 | 1,615 |
| Average earning assets | $391,780,670 | 1,672 |
| Average equity | $42,006,330 | 1,860 |
| Average total loans | $365,611,000 | 1,386 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7846% | 317 |
| Cost of funding earning assets | 0.8592% | 2,214 |
| Net interest margin | 4.9254% | 323 |
| Noninterest income to average assets | 2.0685% | 237 |
| Noninterest expense to average assets | 3.9845% | 553 |
| Loan and lease loss provision to assets | 0.2443% | 599 |
| Net operating income to assets | 2.2717% | 233 |
| Return on assets (ROA) | 2.2717% | 243 |
| Pretax return on assets | 2.2717% | 381 |
| Return on Equity (ROE) | 23.4363% | 134 |
| Retained earnings to average equity (ytd only) | 9.5985% | 1,138 |
| Net charge-offs to loans | 0.1795% | 767 |
| Credit loss provision to net charge-offs | 162.1118% | 1,183 |
| Earnings coverage of net charge-offs (x) | 16.6957% | 1,689 |
| Efficiency ratio | 61.0079% | 3,679 |
| Assets per employee ($millions) | 3.5139% | 4,549 |
| Cash dividends to net income (ytd only)* | 59.0441% | 1,379 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5785% | 4,973 |
| Loan loss allowance to noncurrent loans | 90.7127% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 2,393 |
| Noncurrent loans to loans | 0.6377% | 2,420 |
| Net loans and leases to total assets | 84.1912% | 354 |
| Net loans and leases to deposits | 93.7448% | 1,202 |
| Net loans and leases to core deposits | 98.0721% | 1,767 |
| Total domestic deposits to total assets | 89.8089% | 525 |
| Equity capital to assets | 9.8055% | 4,006 |
| Core capital (leverage) ratio | 9.3925% | 4,264 |
| Tier 1 risk-based capital ratio | 11.7791% | 4,576 |
| Total risk-based capital ratio | 12.3946% | 4,827 |
| Memoranda: |
| Average total assets | $427,354,500 | 1,648 |
| Average earning assets | $384,539,000 | 1,714 |
| Average equity | $41,423,000 | 1,874 |
| Average total loans | $358,868,500 | 1,409 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5900% | 340 |
| Cost of funding earning assets | 0.7185% | 1,973 |
| Net interest margin | 4.8715% | 340 |
| Noninterest income to average assets | 1.8908% | 293 |
| Noninterest expense to average assets | 4.2396% | 387 |
| Loan and lease loss provision to assets | 0.3941% | 353 |
| Net operating income to assets | 1.6280% | 820 |
| Return on assets (ROA) | 1.6371% | 794 |
| Pretax return on assets | 1.6371% | 1,354 |
| Return on Equity (ROE) | 16.7101% | 521 |
| Retained earnings to average equity (ytd only) | 1.2503% | 4,633 |
| Net charge-offs to loans | 0.2444% | 793 |
| Credit loss provision to net charge-offs | 198.5222% | 1,454 |
| Earnings coverage of net charge-offs (x) | 10.1860% | 2,748 |
| Efficiency ratio | 67.3942% | 2,640 |
| Assets per employee ($millions) | 3.6103% | 4,437 |
| Cash dividends to net income (ytd only)* | 92.5179% | 387 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5638% | 5,030 |
| Loan loss allowance to noncurrent loans | 103.8961% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 2,669 |
| Noncurrent loans to loans | 0.5427% | 2,645 |
| Net loans and leases to total assets | 82.7938% | 544 |
| Net loans and leases to deposits | 94.6029% | 1,214 |
| Net loans and leases to core deposits | 99.4667% | 1,759 |
| Total domestic deposits to total assets | 87.5172% | 1,525 |
| Equity capital to assets | 9.5796% | 4,064 |
| Core capital (leverage) ratio | 9.3734% | 4,272 |
| Tier 1 risk-based capital ratio | 11.9251% | 4,479 |
| Total risk-based capital ratio | 12.5344% | 4,735 |
| Memoranda: |
| Average total assets | $409,022,600 | 1,677 |
| Average earning assets | $366,993,000 | 1,737 |
| Average equity | $40,071,600 | 1,855 |
| Average total loans | $332,217,400 | 1,474 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5402% | 331 |
| Cost of funding earning assets | 0.6725% | 2,017 |
| Net interest margin | 4.8677% | 332 |
| Noninterest income to average assets | 2.1578% | 246 |
| Noninterest expense to average assets | 4.1009% | 458 |
| Loan and lease loss provision to assets | 0.4259% | 297 |
| Net operating income to assets | 1.9938% | 385 |
| Return on assets (ROA) | 2.0060% | 368 |
| Pretax return on assets | 2.0060% | 612 |
| Return on Equity (ROE) | 20.3570% | 249 |
| Retained earnings to average equity (ytd only) | 5.4820% | 2,962 |
| Net charge-offs to loans | 0.2421% | 702 |
| Credit loss provision to net charge-offs | 218.0438% | 1,295 |
| Earnings coverage of net charge-offs (x) | 12.3878% | 2,455 |
| Efficiency ratio | 62.5884% | 3,410 |
| Assets per employee ($millions) | 3.5725% | 4,465 |
| Cash dividends to net income (ytd only)* | 73.0706% | 756 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5605% | 5,106 |
| Loan loss allowance to noncurrent loans | 82.6806% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5760% | 2,455 |
| Noncurrent loans to loans | 0.6779% | 2,386 |
| Net loans and leases to total assets | 79.9602% | 1,026 |
| Net loans and leases to deposits | 89.2233% | 1,993 |
| Net loans and leases to core deposits | 93.6775% | 2,320 |
| Total domestic deposits to total assets | 89.6181% | 632 |
| Equity capital to assets | 9.9096% | 3,727 |
| Core capital (leverage) ratio | 9.7214% | 3,924 |
| Tier 1 risk-based capital ratio | 12.2010% | 4,378 |
| Total risk-based capital ratio | 12.7772% | 4,659 |
| Memoranda: |
| Average total assets | $404,775,750 | 1,701 |
| Average earning assets | $362,790,500 | 1,765 |
| Average equity | $39,887,000 | 1,862 |
| Average total loans | $326,594,250 | 1,494 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5092% | 315 |
| Cost of funding earning assets | 0.5875% | 2,315 |
| Net interest margin | 4.9216% | 287 |
| Noninterest income to average assets | 1.9354% | 288 |
| Noninterest expense to average assets | 4.0077% | 526 |
| Loan and lease loss provision to assets | 0.4529% | 258 |
| Net operating income to assets | 1.8773% | 494 |
| Return on assets (ROA) | 1.8853% | 478 |
| Pretax return on assets | 1.8853% | 804 |
| Return on Equity (ROE) | 19.1706% | 319 |
| Retained earnings to average equity (ytd only) | 7.9627% | 1,650 |
| Net charge-offs to loans | 0.1885% | 827 |
| Credit loss provision to net charge-offs | 297.3684% | 1,006 |
| Earnings coverage of net charge-offs (x) | 15.2993% | 2,051 |
| Efficiency ratio | 62.9170% | 3,501 |
| Assets per employee ($millions) | 3.5930% | 4,479 |
| Cash dividends to net income (ytd only)* | 58.4640% | 1,376 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5405% | 5,207 |
| Loan loss allowance to noncurrent loans | 76.2389% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 2,232 |
| Noncurrent loans to loans | 0.7090% | 2,340 |
| Net loans and leases to total assets | 80.1625% | 991 |
| Net loans and leases to deposits | 89.6480% | 1,891 |
| Net loans and leases to core deposits | 98.2960% | 1,871 |
| Total domestic deposits to total assets | 89.4192% | 766 |
| Equity capital to assets | 10.1616% | 3,473 |
| Core capital (leverage) ratio | 9.9429% | 3,640 |
| Tier 1 risk-based capital ratio | 12.5609% | 4,146 |
| Total risk-based capital ratio | 13.1247% | 4,455 |
| Memoranda: |
| Average total assets | $399,183,670 | 1,731 |
| Average earning assets | $357,078,670 | 1,790 |
| Average equity | $39,258,000 | 1,894 |
| Average total loans | $322,467,670 | 1,512 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4024% | 331 |
| Cost of funding earning assets | 0.4455% | 3,236 |
| Net interest margin | 4.9570% | 245 |
| Noninterest income to average assets | 1.8359% | 299 |
| Noninterest expense to average assets | 4.0451% | 501 |
| Loan and lease loss provision to assets | 0.4304% | 249 |
| Net operating income to assets | 1.7982% | 568 |
| Return on assets (ROA) | 1.8135% | 553 |
| Pretax return on assets | 1.8135% | 887 |
| Return on Equity (ROE) | 18.7684% | 333 |
| Retained earnings to average equity (ytd only) | 7.4208% | 2,090 |
| Net charge-offs to loans | 0.2484% | 619 |
| Credit loss provision to net charge-offs | 214.2132% | 1,004 |
| Earnings coverage of net charge-offs (x) | 11.0914% | 1,866 |
| Efficiency ratio | 64.1522% | 3,456 |
| Assets per employee ($millions) | 3.3244% | 4,877 |
| Cash dividends to net income (ytd only)* | 60.4612% | 1,234 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4416% | 5,395 |
| Loan loss allowance to noncurrent loans | 37.3330% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 1,465 |
| Noncurrent loans to loans | 1.1827% | 1,550 |
| Net loans and leases to total assets | 79.8756% | 951 |
| Net loans and leases to deposits | 88.6134% | 1,854 |
| Net loans and leases to core deposits | 94.8215% | 2,073 |
| Total domestic deposits to total assets | 90.1394% | 607 |
| Equity capital to assets | 9.4869% | 4,103 |
| Core capital (leverage) ratio | 9.2206% | 4,408 |
| Tier 1 risk-based capital ratio | 11.8209% | 4,669 |
| Total risk-based capital ratio | 12.2864% | 5,015 |
| Memoranda: |
| Average total assets | $392,179,500 | 1,773 |
| Average earning assets | $351,102,000 | 1,830 |
| Average equity | $37,893,500 | 1,959 |
| Average total loans | $317,189,000 | 1,535 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4537% | 286 |
| Cost of funding earning assets | 0.5054% | 2,281 |
| Net interest margin | 4.9483% | 257 |
| Noninterest income to average assets | 2.1404% | 268 |
| Noninterest expense to average assets | 4.5182% | 310 |
| Loan and lease loss provision to assets | 0.2410% | 791 |
| Net operating income to assets | 1.7719% | 454 |
| Return on assets (ROA) | 1.7781% | 459 |
| Pretax return on assets | 1.7781% | 839 |
| Return on Equity (ROE) | 17.3567% | 362 |
| Retained earnings to average equity (ytd only) | 3.9413% | 2,837 |
| Net charge-offs to loans | 0.1705% | 1,449 |
| Credit loss provision to net charge-offs | 174.6269% | 1,554 |
| Earnings coverage of net charge-offs (x) | 14.5842% | 2,319 |
| Efficiency ratio | 68.8190% | 2,740 |
| Assets per employee ($millions) | 3.2659% | 4,979 |
| Cash dividends to net income (ytd only)* | 77.2923% | 928 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3850% | 5,500 |
| Loan loss allowance to noncurrent loans | 37.9027% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 0.9398% | 1,654 |
| Noncurrent loans to loans | 1.0159% | 1,750 |
| Net loans and leases to total assets | 81.2473% | 791 |
| Net loans and leases to deposits | 90.4236% | 1,719 |
| Net loans and leases to core deposits | 97.3100% | 1,910 |
| Total domestic deposits to total assets | 89.8519% | 624 |
| Equity capital to assets | 9.8469% | 3,871 |
| Core capital (leverage) ratio | 9.6291% | 3,886 |
| Tier 1 risk-based capital ratio | 12.1993% | 4,396 |
| Total risk-based capital ratio | 12.6090% | 4,820 |
| Memoranda: |
| Average total assets | $339,800,200 | 1,962 |
| Average earning assets | $301,520,200 | 2,036 |
| Average equity | $34,810,800 | 2,093 |
| Average total loans | $275,103,800 | 1,686 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4281% | 285 |
| Cost of funding earning assets | 0.4937% | 2,321 |
| Net interest margin | 4.9344% | 259 |
| Noninterest income to average assets | 2.0217% | 301 |
| Noninterest expense to average assets | 4.0997% | 461 |
| Loan and lease loss provision to assets | 0.2329% | 777 |
| Net operating income to assets | 2.0646% | 280 |
| Return on assets (ROA) | 2.0731% | 282 |
| Pretax return on assets | 2.0731% | 475 |
| Return on Equity (ROE) | 20.0110% | 223 |
| Retained earnings to average equity (ytd only) | 6.2508% | 2,087 |
| Net charge-offs to loans | 0.1128% | 1,667 |
| Credit loss provision to net charge-offs | 255.5556% | 1,113 |
| Earnings coverage of net charge-offs (x) | 25.2135% | 1,738 |
| Efficiency ratio | 63.7060% | 3,608 |
| Assets per employee ($millions) | 3.3037% | 4,963 |
| Cash dividends to net income (ytd only)* | 68.7635% | 1,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4018% | 5,561 |
| Loan loss allowance to noncurrent loans | 61.0998% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 2,510 |
| Noncurrent loans to loans | 0.6576% | 2,729 |
| Net loans and leases to total assets | 82.5999% | 590 |
| Net loans and leases to deposits | 91.9588% | 1,572 |
| Net loans and leases to core deposits | 110.2427% | 1,010 |
| Total domestic deposits to total assets | 89.8227% | 535 |
| Equity capital to assets | 9.7924% | 4,158 |
| Core capital (leverage) ratio | 9.9572% | 3,621 |
| Tier 1 risk-based capital ratio | 12.2877% | 4,442 |
| Total risk-based capital ratio | 12.7324% | 4,865 |
| Memoranda: |
| Average total assets | $329,222,500 | 2,027 |
| Average earning assets | $291,932,000 | 2,098 |
| Average equity | $34,107,000 | 2,143 |
| Average total loans | $265,966,000 | 1,741 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3565% | 298 |
| Cost of funding earning assets | 0.4895% | 2,256 |
| Net interest margin | 4.8670% | 275 |
| Noninterest income to average assets | 1.8092% | 373 |
| Noninterest expense to average assets | 4.1063% | 462 |
| Loan and lease loss provision to assets | 0.1718% | 1,127 |
| Net operating income to assets | 1.8336% | 425 |
| Return on assets (ROA) | 1.8462% | 428 |
| Pretax return on assets | 1.8462% | 753 |
| Return on Equity (ROE) | 17.4606% | 374 |
| Retained earnings to average equity (ytd only) | 2.2182% | 4,348 |
| Net charge-offs to loans | 0.0972% | 1,652 |
| Credit loss provision to net charge-offs | 220.9677% | 1,178 |
| Earnings coverage of net charge-offs (x) | 25.7903% | 1,596 |
| Efficiency ratio | 66.7761% | 3,214 |
| Assets per employee ($millions) | 2.9119% | 5,344 |
| Cash dividends to net income (ytd only)* | 87.2962% | 682 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3786% | 5,624 |
| Loan loss allowance to noncurrent loans | 119.3317% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 3,154 |
| Noncurrent loans to loans | 0.3172% | 3,900 |
| Net loans and leases to total assets | 80.6915% | 852 |
| Net loans and leases to deposits | 90.5009% | 1,664 |
| Net loans and leases to core deposits | 99.0280% | 1,725 |
| Total domestic deposits to total assets | 89.1610% | 879 |
| Equity capital to assets | 10.4368% | 3,424 |
| Core capital (leverage) ratio | 9.9873% | 3,554 |
| Tier 1 risk-based capital ratio | 12.8509% | 4,090 |
| Total risk-based capital ratio | 13.2539% | 4,515 |
| Memoranda: |
| Average total assets | $318,927,670 | 2,089 |
| Average earning assets | $281,937,330 | 2,166 |
| Average equity | $33,721,670 | 2,153 |
| Average total loans | $255,072,000 | 1,795 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3393% | 304 |
| Cost of funding earning assets | 0.4864% | 2,194 |
| Net interest margin | 4.8529% | 284 |
| Noninterest income to average assets | 1.9599% | 323 |
| Noninterest expense to average assets | 4.0504% | 511 |
| Loan and lease loss provision to assets | 0.1408% | 1,338 |
| Net operating income to assets | 2.0462% | 282 |
| Return on assets (ROA) | 2.0462% | 290 |
| Pretax return on assets | 2.0462% | 465 |
| Return on Equity (ROE) | 19.2233% | 269 |
| Retained earnings to average equity (ytd only) | 0.5125% | 4,803 |
| Net charge-offs to loans | 0.0974% | 1,390 |
| Credit loss provision to net charge-offs | 181.9672% | 1,079 |
| Earnings coverage of net charge-offs (x) | 28.2623% | 1,256 |
| Efficiency ratio | 64.5312% | 3,745 |
| Assets per employee ($millions) | 3.0035% | 5,350 |
| Cash dividends to net income (ytd only)* | 97.3342% | 726 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3573% | 5,714 |
| Loan loss allowance to noncurrent loans | 113.4931% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 1,559 |
| Noncurrent loans to loans | 0.3149% | 3,994 |
| Net loans and leases to total assets | 78.8288% | 1,011 |
| Net loans and leases to deposits | 88.5635% | 1,723 |
| Net loans and leases to core deposits | 97.5910% | 1,691 |
| Total domestic deposits to total assets | 89.0083% | 1,134 |
| Equity capital to assets | 10.5579% | 3,126 |
| Core capital (leverage) ratio | 10.0841% | 3,393 |
| Tier 1 risk-based capital ratio | 13.3244% | 3,873 |
| Total risk-based capital ratio | 13.7048% | 4,318 |
| Memoranda: |
| Average total assets | $315,323,500 | 2,122 |
| Average earning assets | $277,939,000 | 2,200 |
| Average equity | $33,563,500 | 2,172 |
| Average total loans | $250,526,000 | 1,831 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5210% | 242 |
| Cost of funding earning assets | 0.5516% | 1,675 |
| Net interest margin | 4.9694% | 263 |
| Noninterest income to average assets | 2.1808% | 305 |
| Noninterest expense to average assets | 4.5497% | 357 |
| Loan and lease loss provision to assets | 0.1987% | 1,172 |
| Net operating income to assets | 1.8315% | 420 |
| Return on assets (ROA) | 1.8318% | 438 |
| Pretax return on assets | 1.8318% | 738 |
| Return on Equity (ROE) | 16.6799% | 438 |
| Retained earnings to average equity (ytd only) | 4.7246% | 2,532 |
| Net charge-offs to loans | 0.3394% | 805 |
| Credit loss provision to net charge-offs | 73.8903% | 3,071 |
| Earnings coverage of net charge-offs (x) | 7.5496% | 3,005 |
| Efficiency ratio | 68.8044% | 3,106 |
| Assets per employee ($millions) | 3.0383% | 5,319 |
| Cash dividends to net income (ytd only)* | 71.6750% | 1,242 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3411% | 5,777 |
| Loan loss allowance to noncurrent loans | 98.0392% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2961% | 1,357 |
| Noncurrent loans to loans | 0.3479% | 3,885 |
| Net loans and leases to total assets | 79.3536% | 990 |
| Net loans and leases to deposits | 89.4650% | 1,742 |
| Net loans and leases to core deposits | 99.4104% | 1,674 |
| Total domestic deposits to total assets | 88.6979% | 1,271 |
| Equity capital to assets | 10.7579% | 2,857 |
| Core capital (leverage) ratio | 10.5455% | 2,834 |
| Tier 1 risk-based capital ratio | 14.0500% | 3,438 |
| Total risk-based capital ratio | 14.4190% | 3,889 |
| Memoranda: |
| Average total assets | $284,851,400 | 2,251 |
| Average earning assets | $252,165,200 | 2,344 |
| Average equity | $31,283,200 | 2,273 |
| Average total loans | $225,710,600 | 1,940 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5802% | 226 |
| Cost of funding earning assets | 0.5627% | 1,592 |
| Net interest margin | 5.0176% | 245 |
| Noninterest income to average assets | 2.3496% | 283 |
| Noninterest expense to average assets | 4.5404% | 369 |
| Loan and lease loss provision to assets | 0.1382% | 1,700 |
| Net operating income to assets | 2.1217% | 284 |
| Return on assets (ROA) | 2.1221% | 294 |
| Pretax return on assets | 2.1221% | 445 |
| Return on Equity (ROE) | 19.2127% | 279 |
| Retained earnings to average equity (ytd only) | 7.4817% | 1,412 |
| Net charge-offs to loans | 0.1747% | 1,321 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 16.3507% | 2,117 |
| Efficiency ratio | 66.4996% | 3,501 |
| Assets per employee ($millions) | 3.0098% | 5,384 |
| Cash dividends to net income (ytd only)* | 61.0584% | 1,391 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4394% | 5,776 |
| Loan loss allowance to noncurrent loans | 148.5149% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2439% | 1,580 |
| Noncurrent loans to loans | 0.2959% | 4,194 |
| Net loans and leases to total assets | 76.7433% | 1,405 |
| Net loans and leases to deposits | 87.0632% | 2,133 |
| Net loans and leases to core deposits | 95.3402% | 2,064 |
| Total domestic deposits to total assets | 88.1466% | 1,329 |
| Equity capital to assets | 11.0950% | 2,919 |
| Core capital (leverage) ratio | 10.9927% | 2,453 |
| Tier 1 risk-based capital ratio | 14.5703% | 3,251 |
| Total risk-based capital ratio | 15.0412% | 3,602 |
| Memoranda: |
| Average total assets | $277,826,750 | 2,305 |
| Average earning assets | $246,434,500 | 2,396 |
| Average equity | $30,687,250 | 2,319 |
| Average total loans | $219,841,500 | 1,981 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6674% | 198 |
| Cost of funding earning assets | 0.5777% | 1,480 |
| Net interest margin | 5.0897% | 214 |
| Noninterest income to average assets | 1.9828% | 337 |
| Noninterest expense to average assets | 4.2778% | 455 |
| Loan and lease loss provision to assets | 0.1250% | 1,826 |
| Net operating income to assets | 2.1183% | 265 |
| Return on assets (ROA) | 2.1183% | 281 |
| Pretax return on assets | 2.1183% | 450 |
| Return on Equity (ROE) | 19.2114% | 283 |
| Retained earnings to average equity (ytd only) | 6.9878% | 1,608 |
| Net charge-offs to loans | 0.1565% | 1,394 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 17.9401% | 1,853 |
| Efficiency ratio | 65.2658% | 3,796 |
| Assets per employee ($millions) | 2.9084% | 5,526 |
| Cash dividends to net income (ytd only)* | 63.6267% | 1,388 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4650% | 5,834 |
| Loan loss allowance to noncurrent loans | 46.5632% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5015% | 1,275 |
| Noncurrent loans to loans | 0.9986% | 2,289 |
| Net loans and leases to total assets | 79.6718% | 957 |
| Net loans and leases to deposits | 91.4663% | 1,578 |
| Net loans and leases to core deposits | 101.0153% | 1,559 |
| Total domestic deposits to total assets | 87.1050% | 1,860 |
| Equity capital to assets | 11.9790% | 2,139 |
| Core capital (leverage) ratio | 11.3118% | 2,139 |
| Tier 1 risk-based capital ratio | 15.1416% | 3,011 |
| Total risk-based capital ratio | 15.6379% | 3,309 |
| Memoranda: |
| Average total assets | $267,100,670 | 2,412 |
| Average earning assets | $238,167,670 | 2,468 |
| Average equity | $29,451,330 | 2,403 |
| Average total loans | $213,469,330 | 2,025 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7352% | 177 |
| Cost of funding earning assets | 0.6005% | 1,332 |
| Net interest margin | 5.1347% | 193 |
| Noninterest income to average assets | 2.0678% | 329 |
| Noninterest expense to average assets | 4.2189% | 486 |
| Loan and lease loss provision to assets | 0.1356% | 1,548 |
| Net operating income to assets | 2.3113% | 202 |
| Return on assets (ROA) | 2.3113% | 210 |
| Pretax return on assets | 2.3113% | 313 |
| Return on Equity (ROE) | 21.9941% | 158 |
| Retained earnings to average equity (ytd only) | 8.7977% | 1,173 |
| Net charge-offs to loans | 0.1698% | 1,122 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 18.0455% | 1,552 |
| Efficiency ratio | 62.9681% | 4,303 |
| Assets per employee ($millions) | 3.1654% | 5,328 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4688% | 5,893 |
| Loan loss allowance to noncurrent loans | 33.1754% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 1.1215% | 1,973 |
| Noncurrent loans to loans | 1.4132% | 1,693 |
| Net loans and leases to total assets | 78.2434% | 1,072 |
| Net loans and leases to deposits | 89.2038% | 1,677 |
| Net loans and leases to core deposits | 98.4028% | 1,609 |
| Total domestic deposits to total assets | 87.7131% | 1,799 |
| Equity capital to assets | 11.6372% | 2,302 |
| Core capital (leverage) ratio | 11.0687% | 2,345 |
| Tier 1 risk-based capital ratio | 15.2847% | 3,022 |
| Total risk-based capital ratio | 15.7927% | 3,310 |
| Memoranda: |
| Average total assets | $259,596,000 | 2,465 |
| Average earning assets | $232,458,500 | 2,524 |
| Average equity | $27,280,000 | 2,578 |
| Average total loans | $207,298,000 | 2,081 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4285% | 302 |
| Cost of funding earning assets | 0.7705% | 575 |
| Net interest margin | 4.6579% | 490 |
| Noninterest income to average assets | 2.1803% | 313 |
| Noninterest expense to average assets | 4.2082% | 536 |
| Loan and lease loss provision to assets | 0.4151% | 318 |
| Net operating income to assets | 1.7328% | 543 |
| Return on assets (ROA) | 1.7328% | 567 |
| Pretax return on assets | 1.7328% | 927 |
| Return on Equity (ROE) | 17.9248% | 384 |
| Retained earnings to average equity (ytd only) | 3.5263% | 3,552 |
| Net charge-offs to loans | 0.5091% | 509 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 5.1744% | 3,427 |
| Efficiency ratio | 66.2068% | 3,869 |
| Assets per employee ($millions) | 3.3957% | 4,986 |
| Cash dividends to net income (ytd only)* | 80.3270% | 872 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5508% | 5,869 |
| Loan loss allowance to noncurrent loans | 45.9720% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 1.1016% | 1,992 |
| Noncurrent loans to loans | 1.1981% | 1,968 |
| Net loans and leases to total assets | 80.9162% | 725 |
| Net loans and leases to deposits | 89.9089% | 1,625 |
| Net loans and leases to core deposits | 98.7052% | 1,616 |
| Total domestic deposits to total assets | 89.9980% | 634 |
| Equity capital to assets | 9.1364% | 4,980 |
| Core capital (leverage) ratio | 8.9336% | 4,964 |
| Tier 1 risk-based capital ratio | 11.6773% | 5,146 |
| Total risk-based capital ratio | 12.2703% | 5,414 |
| Memoranda: |
| Average total assets | $222,354,000 | 2,730 |
| Average earning assets | $199,338,200 | 2,787 |
| Average equity | $21,495,400 | 3,028 |
| Average total loans | $181,284,800 | 2,227 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3698% | 336 |
| Cost of funding earning assets | 0.8148% | 451 |
| Net interest margin | 4.5550% | 583 |
| Noninterest income to average assets | 2.3102% | 293 |
| Noninterest expense to average assets | 3.9081% | 738 |
| Loan and lease loss provision to assets | 0.4492% | 243 |
| Net operating income to assets | 2.0404% | 340 |
| Return on assets (ROA) | 2.0404% | 356 |
| Pretax return on assets | 2.0404% | 557 |
| Return on Equity (ROE) | 20.8012% | 229 |
| Retained earnings to average equity (ytd only) | 9.2759% | 802 |
| Net charge-offs to loans | 0.5506% | 420 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 5.5426% | 3,190 |
| Efficiency ratio | 61.0868% | 4,716 |
| Assets per employee ($millions) | 3.4670% | 4,857 |
| Cash dividends to net income (ytd only)* | 55.4066% | 1,636 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5691% | 5,939 |
| Loan loss allowance to noncurrent loans | 34.8374% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 1.4382% | 1,585 |
| Noncurrent loans to loans | 1.6337% | 1,511 |
| Net loans and leases to total assets | 81.4008% | 655 |
| Net loans and leases to deposits | 91.0061% | 1,525 |
| Net loans and leases to core deposits | 100.1004% | 1,507 |
| Total domestic deposits to total assets | 89.4455% | 802 |
| Equity capital to assets | 9.8494% | 4,343 |
| Core capital (leverage) ratio | 9.5303% | 4,259 |
| Tier 1 risk-based capital ratio | 12.3243% | 4,875 |
| Total risk-based capital ratio | 12.9285% | 5,203 |
| Memoranda: |
| Average total assets | $219,366,500 | 2,776 |
| Average earning assets | $196,849,500 | 2,833 |
| Average equity | $21,517,500 | 3,044 |
| Average total loans | $178,946,000 | 2,257 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4096% | 306 |
| Cost of funding earning assets | 0.8327% | 423 |
| Net interest margin | 4.5768% | 550 |
| Noninterest income to average assets | 2.4207% | 284 |
| Noninterest expense to average assets | 3.8901% | 773 |
| Loan and lease loss provision to assets | 0.3828% | 326 |
| Net operating income to assets | 2.2441% | 237 |
| Return on assets (ROA) | 2.2441% | 251 |
| Pretax return on assets | 2.2441% | 386 |
| Return on Equity (ROE) | 22.9107% | 164 |
| Retained earnings to average equity (ytd only) | 10.9340% | 511 |
| Net charge-offs to loans | 0.5283% | 466 |
| Credit loss provision to net charge-offs | 89.2704% | 2,211 |
| Earnings coverage of net charge-offs (x) | 6.1266% | 2,820 |
| Efficiency ratio | 59.6922% | 5,024 |
| Assets per employee ($millions) | 3.1892% | 5,359 |
| Cash dividends to net income (ytd only)* | 52.2755% | 1,841 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5538% | 6,041 |
| Loan loss allowance to noncurrent loans | 192.3077% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 2,020 |
| Noncurrent loans to loans | 0.2880% | 4,653 |
| Net loans and leases to total assets | 80.4300% | 746 |
| Net loans and leases to deposits | 91.3501% | 1,442 |
| Net loans and leases to core deposits | 100.1998% | 1,476 |
| Total domestic deposits to total assets | 88.0459% | 1,630 |
| Equity capital to assets | 9.7373% | 4,362 |
| Core capital (leverage) ratio | 9.4599% | 4,324 |
| Tier 1 risk-based capital ratio | 12.3652% | 4,899 |
| Total risk-based capital ratio | 12.9517% | 5,251 |
| Memoranda: |
| Average total assets | $217,370,670 | 2,811 |
| Average earning assets | $194,544,330 | 2,884 |
| Average equity | $21,291,330 | 3,080 |
| Average total loans | $176,421,330 | 2,295 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3974% | 305 |
| Cost of funding earning assets | 0.8042% | 486 |
| Net interest margin | 4.5932% | 508 |
| Noninterest income to average assets | 1.9195% | 378 |
| Noninterest expense to average assets | 3.7177% | 986 |
| Loan and lease loss provision to assets | 0.3619% | 346 |
| Net operating income to assets | 1.9736% | 355 |
| Return on assets (ROA) | 1.9736% | 375 |
| Pretax return on assets | 1.9736% | 617 |
| Return on Equity (ROE) | 20.0873% | 263 |
| Retained earnings to average equity (ytd only) | 8.6957% | 1,311 |
| Net charge-offs to loans | 0.5598% | 440 |
| Credit loss provision to net charge-offs | 79.5082% | 1,833 |
| Earnings coverage of net charge-offs (x) | 5.1311% | 2,413 |
| Efficiency ratio | 61.4176% | 4,894 |
| Assets per employee ($millions) | 3.2299% | 5,357 |
| Cash dividends to net income (ytd only)* | 56.7108% | 1,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5621% | 6,101 |
| Loan loss allowance to noncurrent loans | 94.4287% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 3,692 |
| Noncurrent loans to loans | 0.5953% | 3,793 |
| Net loans and leases to total assets | 80.5423% | 631 |
| Net loans and leases to deposits | 89.7311% | 1,417 |
| Net loans and leases to core deposits | 98.4139% | 1,440 |
| Total domestic deposits to total assets | 89.7596% | 867 |
| Equity capital to assets | 9.7332% | 4,456 |
| Core capital (leverage) ratio | 9.7343% | 3,976 |
| Tier 1 risk-based capital ratio | 12.4144% | 4,968 |
| Total risk-based capital ratio | 13.0237% | 5,292 |
| Memoranda: |
| Average total assets | $214,433,500 | 2,858 |
| Average earning assets | $192,981,000 | 2,917 |
| Average equity | $21,068,000 | 3,129 |
| Average total loans | $174,354,000 | 2,324 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6217% | 266 |
| Cost of funding earning assets | 0.8547% | 490 |
| Net interest margin | 4.7670% | 460 |
| Noninterest income to average assets | 1.4260% | 599 |
| Noninterest expense to average assets | 3.9843% | 764 |
| Loan and lease loss provision to assets | 0.2172% | 1,139 |
| Net operating income to assets | 1.5240% | 836 |
| Return on assets (ROA) | 1.5240% | 865 |
| Pretax return on assets | 1.5240% | 1,455 |
| Return on Equity (ROE) | 15.8908% | 632 |
| Retained earnings to average equity (ytd only) | 4.0892% | 3,291 |
| Net charge-offs to loans | 0.1995% | 2,072 |
| Credit loss provision to net charge-offs | 138.2263% | 1,714 |
| Earnings coverage of net charge-offs (x) | 11.0795% | 2,546 |
| Efficiency ratio | 69.5878% | 3,610 |
| Assets per employee ($millions) | 3.1703% | 5,471 |
| Cash dividends to net income (ytd only)* | 74.2668% | 1,124 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6147% | 6,125 |
| Loan loss allowance to noncurrent loans | 85.3659% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 3,754 |
| Noncurrent loans to loans | 0.7201% | 3,525 |
| Net loans and leases to total assets | 81.1343% | 618 |
| Net loans and leases to deposits | 93.1019% | 1,173 |
| Net loans and leases to core deposits | 102.8362% | 1,191 |
| Total domestic deposits to total assets | 87.1457% | 2,195 |
| Equity capital to assets | 9.9213% | 4,212 |
| Core capital (leverage) ratio | 9.6028% | 4,094 |
| Tier 1 risk-based capital ratio | 12.2782% | 5,173 |
| Total risk-based capital ratio | 12.9255% | 5,470 |
| Memoranda: |
| Average total assets | $208,066,400 | 2,900 |
| Average earning assets | $187,665,200 | 2,940 |
| Average equity | $19,955,000 | 3,165 |
| Average total loans | $163,898,800 | 2,391 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6487% | 248 |
| Cost of funding earning assets | 0.8578% | 524 |
| Net interest margin | 4.7909% | 437 |
| Noninterest income to average assets | 1.5375% | 532 |
| Noninterest expense to average assets | 3.6969% | 1,130 |
| Loan and lease loss provision to assets | 0.2272% | 986 |
| Net operating income to assets | 1.9360% | 387 |
| Return on assets (ROA) | 1.9360% | 397 |
| Pretax return on assets | 1.9360% | 652 |
| Return on Equity (ROE) | 20.3633% | 262 |
| Retained earnings to average equity (ytd only) | 8.9566% | 1,024 |
| Net charge-offs to loans | 0.2294% | 1,671 |
| Credit loss provision to net charge-offs | 126.8817% | 1,818 |
| Earnings coverage of net charge-offs (x) | 12.0824% | 2,352 |
| Efficiency ratio | 63.0859% | 4,703 |
| Assets per employee ($millions) | 3.2207% | 5,386 |
| Cash dividends to net income (ytd only)* | 56.0159% | 1,559 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6051% | 6,216 |
| Loan loss allowance to noncurrent loans | 70.0280% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 3,705 |
| Noncurrent loans to loans | 0.8641% | 3,406 |
| Net loans and leases to total assets | 78.4655% | 907 |
| Net loans and leases to deposits | 87.9340% | 1,686 |
| Net loans and leases to core deposits | 99.8025% | 1,385 |
| Total domestic deposits to total assets | 89.2323% | 1,108 |
| Equity capital to assets | 10.0971% | 4,054 |
| Core capital (leverage) ratio | 9.7781% | 3,956 |
| Tier 1 risk-based capital ratio | 13.1624% | 4,756 |
| Total risk-based capital ratio | 13.8067% | 5,071 |
| Memoranda: |
| Average total assets | $207,773,750 | 2,926 |
| Average earning assets | $187,461,000 | 2,967 |
| Average equity | $19,754,000 | 3,193 |
| Average total loans | $162,170,250 | 2,422 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5491% | 284 |
| Cost of funding earning assets | 0.8472% | 564 |
| Net interest margin | 4.7019% | 484 |
| Noninterest income to average assets | 1.6743% | 460 |
| Noninterest expense to average assets | 3.6381% | 1,228 |
| Loan and lease loss provision to assets | 0.2750% | 747 |
| Net operating income to assets | 2.0082% | 331 |
| Return on assets (ROA) | 2.0082% | 344 |
| Pretax return on assets | 2.0082% | 545 |
| Return on Equity (ROE) | 21.5730% | 216 |
| Retained earnings to average equity (ytd only) | 9.9105% | 735 |
| Net charge-offs to loans | 0.2606% | 1,506 |
| Credit loss provision to net charge-offs | 135.7143% | 1,559 |
| Earnings coverage of net charge-offs (x) | 11.2667% | 2,174 |
| Efficiency ratio | 61.4407% | 5,084 |
| Assets per employee ($millions) | 3.1517% | 5,506 |
| Cash dividends to net income (ytd only)* | 54.0605% | 1,754 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6003% | 6,312 |
| Loan loss allowance to noncurrent loans | 116.4144% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 4,699 |
| Noncurrent loans to loans | 0.5156% | 4,459 |
| Net loans and leases to total assets | 79.6079% | 729 |
| Net loans and leases to deposits | 89.0731% | 1,471 |
| Net loans and leases to core deposits | 100.8324% | 1,216 |
| Total domestic deposits to total assets | 89.3737% | 1,173 |
| Equity capital to assets | 9.9384% | 4,194 |
| Core capital (leverage) ratio | 9.5722% | 4,218 |
| Tier 1 risk-based capital ratio | 12.8676% | 4,999 |
| Total risk-based capital ratio | 13.5092% | 5,302 |
| Memoranda: |
| Average total assets | $207,249,000 | 2,951 |
| Average earning assets | $187,202,670 | 2,985 |
| Average equity | $19,292,670 | 3,241 |
| Average total loans | $161,138,330 | 2,434 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3515% | 380 |
| Cost of funding earning assets | 0.8243% | 654 |
| Net interest margin | 4.5272% | 623 |
| Noninterest income to average assets | 1.6436% | 456 |
| Noninterest expense to average assets | 3.5907% | 1,324 |
| Loan and lease loss provision to assets | 0.2456% | 883 |
| Net operating income to assets | 1.9065% | 390 |
| Return on assets (ROA) | 1.9065% | 409 |
| Pretax return on assets | 1.9065% | 642 |
| Return on Equity (ROE) | 21.2015% | 232 |
| Retained earnings to average equity (ytd only) | 8.3000% | 1,497 |
| Net charge-offs to loans | 0.3207% | 1,110 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 8.7638% | 1,990 |
| Efficiency ratio | 62.5253% | 5,060 |
| Assets per employee ($millions) | 3.2020% | 5,516 |
| Cash dividends to net income (ytd only)* | 60.8519% | 1,386 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5798% | 6,433 |
| Loan loss allowance to noncurrent loans | 412.9464% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 5,841 |
| Noncurrent loans to loans | 0.1404% | 5,679 |
| Net loans and leases to total assets | 76.2148% | 979 |
| Net loans and leases to deposits | 84.4851% | 1,773 |
| Net loans and leases to core deposits | 97.9003% | 1,245 |
| Total domestic deposits to total assets | 90.2109% | 963 |
| Equity capital to assets | 9.1093% | 4,990 |
| Core capital (leverage) ratio | 9.1288% | 4,823 |
| Tier 1 risk-based capital ratio | 12.5199% | 5,301 |
| Total risk-based capital ratio | 13.1404% | 5,639 |
| Memoranda: |
| Average total assets | $206,867,500 | 2,973 |
| Average earning assets | $187,312,000 | 3,004 |
| Average equity | $18,602,500 | 3,340 |
| Average total loans | $158,410,500 | 2,481 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7650% | 240 |
| Cost of funding earning assets | 0.8611% | 906 |
| Net interest margin | 4.9039% | 359 |
| Noninterest income to average assets | 1.8663% | 433 |
| Noninterest expense to average assets | 4.2713% | 651 |
| Loan and lease loss provision to assets | 0.1165% | 2,866 |
| Net operating income to assets | 1.8761% | 417 |
| Return on assets (ROA) | 1.8761% | 424 |
| Pretax return on assets | 1.8761% | 633 |
| Return on Equity (ROE) | 19.3453% | 319 |
| Retained earnings to average equity (ytd only) | 3.1013% | 4,027 |
| Net charge-offs to loans | 0.1324% | 3,481 |
| Credit loss provision to net charge-offs | 113.1579% | 2,133 |
| Earnings coverage of net charge-offs (x) | 19.3526% | 1,608 |
| Efficiency ratio | 68.1893% | 4,163 |
| Assets per employee ($millions) | 3.2126% | 5,467 |
| Cash dividends to net income (ytd only)* | 83.9688% | 799 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5882% | 6,492 |
| Loan loss allowance to noncurrent loans | 497.3118% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 5,947 |
| Noncurrent loans to loans | 0.1183% | 5,848 |
| Net loans and leases to total assets | 76.0416% | 1,067 |
| Net loans and leases to deposits | 86.3203% | 1,645 |
| Net loans and leases to core deposits | 100.7086% | 1,102 |
| Total domestic deposits to total assets | 88.0923% | 2,123 |
| Equity capital to assets | 8.8743% | 5,175 |
| Core capital (leverage) ratio | 9.4853% | 4,291 |
| Tier 1 risk-based capital ratio | 12.4068% | 5,346 |
| Total risk-based capital ratio | 13.0347% | 5,681 |
| Memoranda: |
| Average total assets | $184,533,200 | 3,229 |
| Average earning assets | $165,480,800 | 3,274 |
| Average equity | $17,895,800 | 3,436 |
| Average total loans | $143,490,400 | 2,650 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8961% | 206 |
| Cost of funding earning assets | 0.8750% | 928 |
| Net interest margin | 5.0211% | 306 |
| Noninterest income to average assets | 2.0044% | 417 |
| Noninterest expense to average assets | 4.1740% | 705 |
| Loan and lease loss provision to assets | 0.0610% | 3,825 |
| Net operating income to assets | 2.2551% | 235 |
| Return on assets (ROA) | 2.2551% | 243 |
| Pretax return on assets | 2.2551% | 348 |
| Return on Equity (ROE) | 22.7005% | 179 |
| Retained earnings to average equity (ytd only) | 5.9971% | 2,405 |
| Net charge-offs to loans | 0.0781% | 3,828 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 37.9759% | 1,041 |
| Efficiency ratio | 64.3135% | 4,748 |
| Assets per employee ($millions) | 3.0651% | 5,744 |
| Cash dividends to net income (ytd only)* | 73.5817% | 965 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6314% | 6,524 |
| Loan loss allowance to noncurrent loans | 252.8090% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.4981% | 4,947 |
| Noncurrent loans to loans | 0.2498% | 5,603 |
| Net loans and leases to total assets | 77.0159% | 871 |
| Net loans and leases to deposits | 85.9760% | 1,622 |
| Net loans and leases to core deposits | 98.6076% | 1,194 |
| Total domestic deposits to total assets | 89.5783% | 1,240 |
| Equity capital to assets | 9.6213% | 4,390 |
| Core capital (leverage) ratio | 9.6278% | 4,208 |
| Tier 1 risk-based capital ratio | 12.7823% | 5,267 |
| Total risk-based capital ratio | 13.4388% | 5,593 |
| Memoranda: |
| Average total assets | $179,265,000 | 3,307 |
| Average earning assets | $160,146,000 | 3,368 |
| Average equity | $17,808,250 | 3,490 |
| Average total loans | $140,045,250 | 2,706 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9047% | 209 |
| Cost of funding earning assets | 0.8761% | 1,004 |
| Net interest margin | 5.0286% | 299 |
| Noninterest income to average assets | 2.0088% | 441 |
| Noninterest expense to average assets | 4.0018% | 862 |
| Loan and lease loss provision to assets | 0.0698% | 3,642 |
| Net operating income to assets | 2.4263% | 189 |
| Return on assets (ROA) | 2.4263% | 202 |
| Pretax return on assets | 2.4263% | 301 |
| Return on Equity (ROE) | 24.1618% | 136 |
| Retained earnings to average equity (ytd only) | 6.6120% | 2,087 |
| Net charge-offs to loans | 0.0891% | 3,477 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 35.7742% | 1,013 |
| Efficiency ratio | 61.5864% | 5,232 |
| Assets per employee ($millions) | 2.8721% | 6,067 |
| Cash dividends to net income (ytd only)* | 72.6345% | 1,112 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6386% | 6,569 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 5,114 |
| Noncurrent loans to loans | 0.2129% | 5,769 |
| Net loans and leases to total assets | 77.3926% | 816 |
| Net loans and leases to deposits | 86.3403% | 1,542 |
| Net loans and leases to core deposits | 99.7194% | 1,099 |
| Total domestic deposits to total assets | 89.6366% | 1,237 |
| Equity capital to assets | 9.6311% | 4,410 |
| Core capital (leverage) ratio | 9.6665% | 3,989 |
| Tier 1 risk-based capital ratio | 12.7272% | 5,341 |
| Total risk-based capital ratio | 13.3888% | 5,657 |
| Memoranda: |
| Average total assets | $177,718,330 | 3,340 |
| Average earning assets | $158,652,670 | 3,420 |
| Average equity | $17,846,330 | 3,508 |
| Average total loans | $139,215,000 | 2,732 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9777% | 175 |
| Cost of funding earning assets | 0.8758% | 1,112 |
| Net interest margin | 5.1019% | 237 |
| Noninterest income to average assets | 2.8301% | 272 |
| Noninterest expense to average assets | 3.9749% | 912 |
| Loan and lease loss provision to assets | 0.0999% | 3,011 |
| Net operating income to assets | 3.3071% | 87 |
| Return on assets (ROA) | 3.3071% | 92 |
| Pretax return on assets | 3.3071% | 123 |
| Return on Equity (ROE) | 32.2552% | 60 |
| Retained earnings to average equity (ytd only) | 10.0798% | 1,084 |
| Net charge-offs to loans | 0.1272% | 2,655 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 34.0909% | 895 |
| Efficiency ratio | 53.8462% | 6,243 |
| Assets per employee ($millions) | 2.8012% | 6,278 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,126 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6410% | 6,657 |
| Loan loss allowance to noncurrent loans | 261.6279% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 5,939 |
| Noncurrent loans to loans | 0.2450% | 5,804 |
| Net loans and leases to total assets | 77.8098% | 633 |
| Net loans and leases to deposits | 87.2094% | 1,222 |
| Net loans and leases to core deposits | 99.6151% | 970 |
| Total domestic deposits to total assets | 89.2217% | 1,541 |
| Equity capital to assets | 10.1290% | 3,977 |
| Core capital (leverage) ratio | 9.6787% | 3,820 |
| Tier 1 risk-based capital ratio | 12.6309% | 5,487 |
| Total risk-based capital ratio | 13.2927% | 5,845 |
| Memoranda: |
| Average total assets | $176,105,000 | 3,399 |
| Average earning assets | $157,116,500 | 3,483 |
| Average equity | $18,056,000 | 3,517 |
| Average total loans | $138,353,500 | 2,757 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1181% | 225 |
| Cost of funding earning assets | 0.9805% | 1,467 |
| Net interest margin | 5.1376% | 305 |
| Noninterest income to average assets | 1.4552% | 740 |
| Noninterest expense to average assets | 3.8777% | 1,121 |
| Loan and lease loss provision to assets | 0.1060% | 4,312 |
| Net operating income to assets | 2.0688% | 318 |
| Return on assets (ROA) | 2.2641% | 245 |
| Pretax return on assets | 2.2641% | 357 |
| Return on Equity (ROE) | 22.5192% | 197 |
| Retained earnings to average equity (ytd only) | 3.9251% | 3,442 |
| Net charge-offs to loans | 0.1366% | 4,319 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 20.5163% | 1,349 |
| Efficiency ratio | 64.0682% | 4,873 |
| Assets per employee ($millions) | 2.9816% | 6,040 |
| Cash dividends to net income (ytd only)* | 82.5700% | 919 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6603% | 6,686 |
| Loan loss allowance to noncurrent loans | 203.1603% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 5,302 |
| Noncurrent loans to loans | 0.3250% | 5,673 |
| Net loans and leases to total assets | 78.3032% | 640 |
| Net loans and leases to deposits | 87.9362% | 1,287 |
| Net loans and leases to core deposits | 101.5242% | 917 |
| Total domestic deposits to total assets | 89.0455% | 1,530 |
| Equity capital to assets | 10.3815% | 3,661 |
| Core capital (leverage) ratio | 9.6116% | 3,944 |
| Tier 1 risk-based capital ratio | 12.7950% | 5,256 |
| Total risk-based capital ratio | 13.4836% | 5,596 |
| Memoranda: |
| Average total assets | $173,582,600 | 3,392 |
| Average earning assets | $155,326,400 | 3,462 |
| Average equity | $17,451,800 | 3,547 |
| Average total loans | $134,695,200 | 2,795 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1083% | 249 |
| Cost of funding earning assets | 0.9984% | 1,568 |
| Net interest margin | 5.1100% | 334 |
| Noninterest income to average assets | 1.2248% | 993 |
| Noninterest expense to average assets | 3.5031% | 1,751 |
| Loan and lease loss provision to assets | 0.1259% | 3,978 |
| Net operating income to assets | 2.1794% | 295 |
| Return on assets (ROA) | 2.2753% | 271 |
| Pretax return on assets | 2.2753% | 420 |
| Return on Equity (ROE) | 22.8161% | 200 |
| Retained earnings to average equity (ytd only) | 4.6171% | 3,651 |
| Net charge-offs to loans | 0.1628% | 3,816 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 18.3172% | 1,566 |
| Efficiency ratio | 60.3118% | 5,447 |
| Assets per employee ($millions) | 3.1299% | 5,782 |
| Cash dividends to net income (ytd only)* | 79.7639% | 659 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6827% | 6,768 |
| Loan loss allowance to noncurrent loans | 175.7813% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 5,346 |
| Noncurrent loans to loans | 0.3884% | 5,689 |
| Net loans and leases to total assets | 74.6982% | 1,146 |
| Net loans and leases to deposits | 83.8919% | 1,882 |
| Net loans and leases to core deposits | 97.0721% | 1,331 |
| Total domestic deposits to total assets | 89.0410% | 1,404 |
| Equity capital to assets | 10.3023% | 4,074 |
| Core capital (leverage) ratio | 9.5514% | 4,194 |
| Tier 1 risk-based capital ratio | 13.1622% | 5,121 |
| Total risk-based capital ratio | 13.8743% | 5,501 |
| Memoranda: |
| Average total assets | $173,745,000 | 3,433 |
| Average earning assets | $155,848,750 | 3,489 |
| Average equity | $17,326,500 | 3,599 |
| Average total loans | $134,291,000 | 2,835 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1976% | 219 |
| Cost of funding earning assets | 1.0220% | 1,636 |
| Net interest margin | 5.1756% | 308 |
| Noninterest income to average assets | 1.0748% | 1,239 |
| Noninterest expense to average assets | 3.4439% | 1,925 |
| Loan and lease loss provision to assets | 0.1466% | 3,683 |
| Net operating income to assets | 2.1266% | 320 |
| Return on assets (ROA) | 2.2709% | 285 |
| Pretax return on assets | 2.2709% | 435 |
| Return on Equity (ROE) | 23.0287% | 211 |
| Retained earnings to average equity (ytd only) | 6.1699% | 2,591 |
| Net charge-offs to loans | 0.1510% | 3,704 |
| Credit loss provision to net charge-offs | 124.5098% | 2,207 |
| Earnings coverage of net charge-offs (x) | 19.3039% | 1,443 |
| Efficiency ratio | 60.2383% | 5,538 |
| Assets per employee ($millions) | 3.0534% | 5,948 |
| Cash dividends to net income (ytd only)* | 73.2079% | 990 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6907% | 6,839 |
| Loan loss allowance to noncurrent loans | 364.1732% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 5,792 |
| Noncurrent loans to loans | 0.1897% | 6,205 |
| Net loans and leases to total assets | 77.7756% | 749 |
| Net loans and leases to deposits | 87.2924% | 1,443 |
| Net loans and leases to core deposits | 103.0243% | 915 |
| Total domestic deposits to total assets | 89.0977% | 1,452 |
| Equity capital to assets | 10.2052% | 4,046 |
| Core capital (leverage) ratio | 9.4878% | 4,153 |
| Tier 1 risk-based capital ratio | 13.0953% | 5,119 |
| Total risk-based capital ratio | 13.8424% | 5,483 |
| Memoranda: |
| Average total assets | $173,236,000 | 3,457 |
| Average earning assets | $155,382,000 | 3,506 |
| Average equity | $17,083,000 | 3,629 |
| Average total loans | $135,113,000 | 2,835 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1801% | 236 |
| Cost of funding earning assets | 1.0407% | 1,744 |
| Net interest margin | 5.1395% | 321 |
| Noninterest income to average assets | 1.2434% | 918 |
| Noninterest expense to average assets | 3.5008% | 1,761 |
| Loan and lease loss provision to assets | 0.2317% | 2,632 |
| Net operating income to assets | 2.1221% | 336 |
| Return on assets (ROA) | 2.4088% | 249 |
| Pretax return on assets | 2.4088% | 381 |
| Return on Equity (ROE) | 24.8528% | 188 |
| Retained earnings to average equity (ytd only) | 8.8760% | 1,631 |
| Net charge-offs to loans | 0.2977% | 2,469 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 10.1584% | 1,779 |
| Efficiency ratio | 59.7962% | 5,644 |
| Assets per employee ($millions) | 3.2225% | 5,720 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,100 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6633% | 6,921 |
| Loan loss allowance to noncurrent loans | 608.1081% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 5,028 |
| Noncurrent loans to loans | 0.1091% | 6,483 |
| Net loans and leases to total assets | 77.4535% | 642 |
| Net loans and leases to deposits | 86.4878% | 1,362 |
| Net loans and leases to core deposits | 101.2599% | 904 |
| Total domestic deposits to total assets | 89.5543% | 1,336 |
| Equity capital to assets | 9.8302% | 4,334 |
| Core capital (leverage) ratio | 9.2097% | 4,502 |
| Tier 1 risk-based capital ratio | 12.7236% | 5,420 |
| Total risk-based capital ratio | 13.4365% | 5,810 |
| Memoranda: |
| Average total assets | $174,358,000 | 3,464 |
| Average earning assets | $156,436,500 | 3,504 |
| Average equity | $16,899,500 | 3,667 |
| Average total loans | $135,712,000 | 2,841 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7112% | 143 |
| Cost of funding earning assets | 1.0892% | 2,745 |
| Net interest margin | 5.6220% | 145 |
| Noninterest income to average assets | 2.5350% | 260 |
| Noninterest expense to average assets | 3.6504% | 1,638 |
| Loan and lease loss provision to assets | 0.3373% | 2,998 |
| Net operating income to assets | 3.6339% | 60 |
| Return on assets (ROA) | 3.6610% | 61 |
| Pretax return on assets | 3.6610% | 87 |
| Return on Equity (ROE) | 40.8793% | 16 |
| Retained earnings to average equity (ytd only) | 13.0906% | 219 |
| Net charge-offs to loans | 0.2855% | 3,989 |
| Credit loss provision to net charge-offs | 153.4759% | 1,834 |
| Earnings coverage of net charge-offs (x) | 18.0695% | 1,234 |
| Efficiency ratio | 47.8951% | 6,954 |
| Assets per employee ($millions) | 3.2963% | 5,518 |
| Cash dividends to net income (ytd only)* | 67.9775% | 1,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6630% | 6,950 |
| Loan loss allowance to noncurrent loans | 148.7603% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 5,946 |
| Noncurrent loans to loans | 0.4457% | 5,818 |
| Net loans and leases to total assets | 77.1851% | 806 |
| Net loans and leases to deposits | 85.8387% | 1,688 |
| Net loans and leases to core deposits | 100.8972% | 1,100 |
| Total domestic deposits to total assets | 89.9188% | 1,032 |
| Equity capital to assets | 9.5551% | 4,799 |
| Core capital (leverage) ratio | 9.1025% | 4,612 |
| Tier 1 risk-based capital ratio | 12.6674% | 5,328 |
| Total risk-based capital ratio | 13.3941% | 5,708 |
| Memoranda: |
| Average total assets | $170,174,400 | 3,487 |
| Average earning assets | $153,966,800 | 3,511 |
| Average equity | $15,240,000 | 3,862 |
| Average total loans | $130,979,400 | 2,970 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8546% | 122 |
| Cost of funding earning assets | 1.1112% | 2,900 |
| Net interest margin | 5.7434% | 125 |
| Noninterest income to average assets | 3.0682% | 211 |
| Noninterest expense to average assets | 3.4192% | 2,145 |
| Loan and lease loss provision to assets | 0.2847% | 3,243 |
| Net operating income to assets | 4.5660% | 52 |
| Return on assets (ROA) | 4.5897% | 53 |
| Pretax return on assets | 4.5897% | 68 |
| Return on Equity (ROE) | 52.1516% | 13 |
| Retained earnings to average equity (ytd only) | 22.0383% | 52 |
| Net charge-offs to loans | 0.1962% | 4,233 |
| Credit loss provision to net charge-offs | 189.0052% | 1,544 |
| Earnings coverage of net charge-offs (x) | 32.1990% | 888 |
| Efficiency ratio | 41.3448% | 7,229 |
| Assets per employee ($millions) | 3.3304% | 5,418 |
| Cash dividends to net income (ytd only)* | 57.7419% | 1,291 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6573% | 7,019 |
| Loan loss allowance to noncurrent loans | 242.3398% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 6,524 |
| Noncurrent loans to loans | 0.2712% | 6,327 |
| Net loans and leases to total assets | 75.9226% | 990 |
| Net loans and leases to deposits | 84.9806% | 1,836 |
| Net loans and leases to core deposits | 96.6325% | 1,539 |
| Total domestic deposits to total assets | 89.3411% | 1,228 |
| Equity capital to assets | 9.8857% | 4,501 |
| Core capital (leverage) ratio | 9.3258% | 4,417 |
| Tier 1 risk-based capital ratio | 13.3339% | 4,853 |
| Total risk-based capital ratio | 14.0522% | 5,232 |
| Memoranda: |
| Average total assets | $169,042,500 | 3,536 |
| Average earning assets | $153,100,250 | 3,549 |
| Average equity | $14,876,750 | 3,942 |
| Average total loans | $129,788,250 | 3,014 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9622% | 110 |
| Cost of funding earning assets | 1.1352% | 3,006 |
| Net interest margin | 5.8270% | 105 |
| Noninterest income to average assets | 3.8160% | 178 |
| Noninterest expense to average assets | 3.4927% | 1,999 |
| Loan and lease loss provision to assets | 0.3006% | 3,001 |
| Net operating income to assets | 5.3130% | 45 |
| Return on assets (ROA) | 5.3154% | 45 |
| Pretax return on assets | 5.3154% | 64 |
| Return on Equity (ROE) | 63.0759% | 13 |
| Retained earnings to average equity (ytd only) | 24.7151% | 52 |
| Net charge-offs to loans | 0.1582% | 4,231 |
| Credit loss provision to net charge-offs | 247.0588% | 1,228 |
| Earnings coverage of net charge-offs (x) | 46.1373% | 670 |
| Efficiency ratio | 38.3547% | 7,360 |
| Assets per employee ($millions) | 3.7283% | 4,359 |
| Cash dividends to net income (ytd only)* | 60.8169% | 1,321 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6147% | 7,123 |
| Loan loss allowance to noncurrent loans | 222.5131% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 6,570 |
| Noncurrent loans to loans | 0.2762% | 6,369 |
| Net loans and leases to total assets | 76.7951% | 946 |
| Net loans and leases to deposits | 86.4591% | 1,724 |
| Net loans and leases to core deposits | 99.1923% | 1,417 |
| Total domestic deposits to total assets | 88.8225% | 1,654 |
| Equity capital to assets | 8.8412% | 5,768 |
| Core capital (leverage) ratio | 9.0181% | 4,687 |
| Tier 1 risk-based capital ratio | 12.2239% | 5,583 |
| Total risk-based capital ratio | 12.8969% | 6,049 |
| Memoranda: |
| Average total assets | $167,663,670 | 3,576 |
| Average earning assets | $152,222,330 | 3,592 |
| Average equity | $14,129,000 | 4,103 |
| Average total loans | $128,933,670 | 3,058 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3078% | 277 |
| Cost of funding earning assets | 1.2024% | 2,800 |
| Net interest margin | 5.1054% | 303 |
| Noninterest income to average assets | 0.7629% | 2,205 |
| Noninterest expense to average assets | 3.2515% | 2,701 |
| Loan and lease loss provision to assets | 0.1234% | 4,458 |
| Net operating income to assets | 2.0319% | 330 |
| Return on assets (ROA) | 2.0368% | 346 |
| Pretax return on assets | 2.0368% | 525 |
| Return on Equity (ROE) | 24.8447% | 169 |
| Retained earnings to average equity (ytd only) | 11.2931% | 841 |
| Net charge-offs to loans | 0.1127% | 3,857 |
| Credit loss provision to net charge-offs | 142.8571% | 1,972 |
| Earnings coverage of net charge-offs (x) | 24.9429% | 976 |
| Efficiency ratio | 60.1370% | 5,964 |
| Assets per employee ($millions) | 3.3887% | 5,273 |
| Cash dividends to net income (ytd only)* | 54.5455% | 1,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5829% | 7,222 |
| Loan loss allowance to noncurrent loans | 418.1287% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 6,881 |
| Noncurrent loans to loans | 0.1394% | 6,694 |
| Net loans and leases to total assets | 76.5697% | 950 |
| Net loans and leases to deposits | 84.2645% | 1,989 |
| Net loans and leases to core deposits | 96.9196% | 1,601 |
| Total domestic deposits to total assets | 90.8682% | 692 |
| Equity capital to assets | 8.6891% | 5,672 |
| Core capital (leverage) ratio | 8.6715% | 5,137 |
| Tier 1 risk-based capital ratio | 12.7588% | 5,004 |
| Total risk-based capital ratio | 13.4073% | 5,541 |
| Memoranda: |
| Average total assets | $162,016,500 | 3,668 |
| Average earning assets | $147,372,500 | 3,687 |
| Average equity | $13,282,500 | 4,275 |
| Average total loans | $124,260,000 | 3,171 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5193% | 307 |
| Cost of funding earning assets | 1.4475% | 2,973 |
| Net interest margin | 5.0718% | 374 |
| Noninterest income to average assets | 1.7543% | 489 |
| Noninterest expense to average assets | 3.5883% | 1,952 |
| Loan and lease loss provision to assets | 0.3019% | 4,392 |
| Net operating income to assets | 2.4622% | 119 |
| Return on assets (ROA) | 2.4802% | 120 |
| Pretax return on assets | 2.4802% | 188 |
| Return on Equity (ROE) | 30.7692% | 35 |
| Retained earnings to average equity (ytd only) | 11.1832% | 357 |
| Net charge-offs to loans | 0.2302% | 4,902 |
| Credit loss provision to net charge-offs | 170.1754% | 1,992 |
| Earnings coverage of net charge-offs (x) | 15.5789% | 1,273 |
| Efficiency ratio | 56.4877% | 6,531 |
| Assets per employee ($millions) | 3.3626% | 5,266 |
| Cash dividends to net income (ytd only)* | 63.6546% | 1,482 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5562% | 7,315 |
| Loan loss allowance to noncurrent loans | 322.5806% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 6,887 |
| Noncurrent loans to loans | 0.1724% | 6,721 |
| Net loans and leases to total assets | 75.9591% | 1,279 |
| Net loans and leases to deposits | 82.6252% | 2,693 |
| Net loans and leases to core deposits | 94.5336% | 2,193 |
| Total domestic deposits to total assets | 91.9321% | 297 |
| Equity capital to assets | 7.7237% | 6,733 |
| Core capital (leverage) ratio | 8.2362% | 5,775 |
| Tier 1 risk-based capital ratio | 11.8709% | 5,603 |
| Total risk-based capital ratio | 12.4778% | 6,143 |
| Memoranda: |
| Average total assets | $160,631,400 | 3,683 |
| Average earning assets | $145,628,600 | 3,714 |
| Average equity | $12,948,000 | 4,373 |
| Average total loans | $123,800,800 | 3,240 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5653% | 305 |
| Cost of funding earning assets | 1.4812% | 3,077 |
| Net interest margin | 5.0841% | 371 |
| Noninterest income to average assets | 1.6491% | 516 |
| Noninterest expense to average assets | 3.4101% | 2,266 |
| Loan and lease loss provision to assets | 0.2715% | 4,416 |
| Net operating income to assets | 2.5697% | 125 |
| Return on assets (ROA) | 2.5940% | 132 |
| Pretax return on assets | 2.5940% | 199 |
| Return on Equity (ROE) | 31.8368% | 40 |
| Retained earnings to average equity (ytd only) | 14.5086% | 238 |
| Net charge-offs to loans | 0.1882% | 4,826 |
| Credit loss provision to net charge-offs | 186.7816% | 1,933 |
| Earnings coverage of net charge-offs (x) | 19.5463% | 1,204 |
| Efficiency ratio | 54.5503% | 6,738 |
| Assets per employee ($millions) | 3.4042% | 5,198 |
| Cash dividends to net income (ytd only)* | 54.4284% | 1,455 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5020% | 7,450 |
| Loan loss allowance to noncurrent loans | 235.8696% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 6,928 |
| Noncurrent loans to loans | 0.2128% | 6,754 |
| Net loans and leases to total assets | 77.3543% | 1,154 |
| Net loans and leases to deposits | 84.9916% | 2,519 |
| Net loans and leases to core deposits | 98.1508% | 2,021 |
| Total domestic deposits to total assets | 91.0140% | 449 |
| Equity capital to assets | 8.4716% | 6,308 |
| Core capital (leverage) ratio | 8.2985% | 5,872 |
| Tier 1 risk-based capital ratio | 11.8006% | 5,636 |
| Total risk-based capital ratio | 12.3631% | 6,265 |
| Memoranda: |
| Average total assets | $159,598,000 | 3,763 |
| Average earning assets | $144,472,500 | 3,776 |
| Average equity | $13,003,500 | 4,438 |
| Average total loans | $123,287,500 | 3,301 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5493% | 317 |
| Cost of funding earning assets | 1.5152% | 3,169 |
| Net interest margin | 5.0341% | 393 |
| Noninterest income to average assets | 1.7609% | 425 |
| Noninterest expense to average assets | 3.4238% | 2,208 |
| Loan and lease loss provision to assets | 0.1908% | 4,971 |
| Net operating income to assets | 2.6947% | 110 |
| Return on assets (ROA) | 2.7151% | 112 |
| Pretax return on assets | 2.7151% | 170 |
| Return on Equity (ROE) | 33.7988% | 36 |
| Retained earnings to average equity (ytd only) | 14.9513% | 247 |
| Net charge-offs to loans | 0.1106% | 5,057 |
| Credit loss provision to net charge-offs | 223.8806% | 1,733 |
| Earnings coverage of net charge-offs (x) | 33.8507% | 832 |
| Efficiency ratio | 54.2650% | 6,852 |
| Assets per employee ($millions) | 3.3534% | 5,304 |
| Cash dividends to net income (ytd only)* | 55.7638% | 1,457 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4631% | 7,546 |
| Loan loss allowance to noncurrent loans | 225.9690% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 6,852 |
| Noncurrent loans to loans | 0.2049% | 6,842 |
| Net loans and leases to total assets | 77.8567% | 1,137 |
| Net loans and leases to deposits | 89.4554% | 1,938 |
| Net loans and leases to core deposits | 107.3286% | 1,354 |
| Total domestic deposits to total assets | 87.0341% | 2,510 |
| Equity capital to assets | 8.1753% | 6,571 |
| Core capital (leverage) ratio | 8.3060% | 5,759 |
| Tier 1 risk-based capital ratio | 11.8287% | 5,459 |
| Total risk-based capital ratio | 12.3516% | 6,120 |
| Memoranda: |
| Average total assets | $157,196,000 | 3,838 |
| Average earning assets | $142,031,000 | 3,863 |
| Average equity | $12,627,670 | 4,519 |
| Average total loans | $121,156,330 | 3,386 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4206% | 417 |
| Cost of funding earning assets | 1.6009% | 2,959 |
| Net interest margin | 4.8197% | 619 |
| Noninterest income to average assets | 1.0946% | 1,049 |
| Noninterest expense to average assets | 3.1781% | 2,945 |
| Loan and lease loss provision to assets | 0.1932% | 4,566 |
| Net operating income to assets | 2.0655% | 309 |
| Return on assets (ROA) | 2.1067% | 318 |
| Pretax return on assets | 2.1067% | 502 |
| Return on Equity (ROE) | 26.4682% | 129 |
| Retained earnings to average equity (ytd only) | 11.9075% | 759 |
| Net charge-offs to loans | 0.0471% | 4,936 |
| Credit loss provision to net charge-offs | 535.7143% | 789 |
| Earnings coverage of net charge-offs (x) | 62.6429% | 490 |
| Efficiency ratio | 58.4557% | 6,418 |
| Assets per employee ($millions) | 3.2259% | 5,709 |
| Cash dividends to net income (ytd only)* | 55.0122% | 1,362 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4699% | 7,618 |
| Loan loss allowance to noncurrent loans | 300.5348% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.4049% | 6,460 |
| Noncurrent loans to loans | 0.1563% | 7,026 |
| Net loans and leases to total assets | 76.8847% | 1,353 |
| Net loans and leases to deposits | 83.9917% | 2,945 |
| Net loans and leases to core deposits | 103.8034% | 1,760 |
| Total domestic deposits to total assets | 91.5384% | 361 |
| Equity capital to assets | 8.0877% | 6,560 |
| Core capital (leverage) ratio | 8.0227% | 6,204 |
| Tier 1 risk-based capital ratio | 11.9331% | 5,271 |
| Total risk-based capital ratio | 12.4648% | 5,895 |
| Memoranda: |
| Average total assets | $155,313,500 | 3,922 |
| Average earning assets | $139,925,500 | 3,965 |
| Average equity | $12,362,000 | 4,624 |
| Average total loans | $118,783,500 | 3,477 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6351% | 528 |
| Cost of funding earning assets | 2.1904% | 2,077 |
| Net interest margin | 4.4447% | 1,304 |
| Noninterest income to average assets | 1.8219% | 444 |
| Noninterest expense to average assets | 3.5933% | 2,160 |
| Loan and lease loss provision to assets | 0.4059% | 4,379 |
| Net operating income to assets | 1.8107% | 351 |
| Return on assets (ROA) | 1.8674% | 319 |
| Pretax return on assets | 1.8674% | 549 |
| Return on Equity (ROE) | 23.6852% | 114 |
| Retained earnings to average equity (ytd only) | 12.6238% | 175 |
| Net charge-offs to loans | 0.4412% | 4,034 |
| Credit loss provision to net charge-offs | 120.8333% | 4,416 |
| Earnings coverage of net charge-offs (x) | 6.5979% | 2,330 |
| Efficiency ratio | 61.8480% | 6,181 |
| Assets per employee ($millions) | 3.2455% | 5,616 |
| Cash dividends to net income (ytd only)* | 46.7016% | 2,623 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4239% | 7,741 |
| Loan loss allowance to noncurrent loans | 359.7122% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 6,518 |
| Noncurrent loans to loans | 0.1178% | 7,123 |
| Net loans and leases to total assets | 75.3957% | 1,945 |
| Net loans and leases to deposits | 87.8708% | 2,576 |
| Net loans and leases to core deposits | 131.7200% | 1,187 |
| Total domestic deposits to total assets | 85.8030% | 3,110 |
| Equity capital to assets | 7.8319% | 6,736 |
| Core capital (leverage) ratio | 8.0027% | 6,189 |
| Tier 1 risk-based capital ratio | 11.4924% | 5,398 |
| Total risk-based capital ratio | 11.9616% | 6,173 |
| Memoranda: |
| Average total assets | $142,875,400 | 4,059 |
| Average earning assets | $128,196,400 | 4,125 |
| Average equity | $11,264,400 | 4,957 |
| Average total loans | $108,787,600 | 3,721 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5816% | 637 |
| Cost of funding earning assets | 2.3138% | 1,933 |
| Net interest margin | 4.2678% | 1,811 |
| Noninterest income to average assets | 1.1744% | 1,132 |
| Noninterest expense to average assets | 3.4228% | 2,501 |
| Loan and lease loss provision to assets | 0.2769% | 4,762 |
| Net operating income to assets | 1.3032% | 1,206 |
| Return on assets (ROA) | 1.3233% | 1,237 |
| Pretax return on assets | 1.3233% | 1,898 |
| Return on Equity (ROE) | 16.7535% | 573 |
| Retained earnings to average equity (ytd only) | 8.9570% | 847 |
| Net charge-offs to loans | 0.3631% | 3,835 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 5.7068% | 2,748 |
| Efficiency ratio | 68.4160% | 4,891 |
| Assets per employee ($millions) | 3.0865% | 5,941 |
| Cash dividends to net income (ytd only)* | 46.5370% | 2,170 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3579% | 7,857 |
| Loan loss allowance to noncurrent loans | 227.2727% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 6,426 |
| Noncurrent loans to loans | 0.1575% | 7,093 |
| Net loans and leases to total assets | 73.6247% | 2,636 |
| Net loans and leases to deposits | 85.9666% | 3,322 |
| Net loans and leases to core deposits | 131.0370% | 1,373 |
| Total domestic deposits to total assets | 85.6433% | 2,895 |
| Equity capital to assets | 7.6964% | 7,152 |
| Core capital (leverage) ratio | 7.9929% | 6,371 |
| Tier 1 risk-based capital ratio | 11.4213% | 5,504 |
| Total risk-based capital ratio | 11.8210% | 6,357 |
| Memoranda: |
| Average total assets | $139,647,750 | 4,147 |
| Average earning assets | $125,275,500 | 4,221 |
| Average equity | $11,030,250 | 5,069 |
| Average total loans | $106,495,500 | 3,807 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6470% | 604 |
| Cost of funding earning assets | 2.4232% | 1,869 |
| Net interest margin | 4.2238% | 1,902 |
| Noninterest income to average assets | 1.1209% | 1,256 |
| Noninterest expense to average assets | 3.5233% | 2,272 |
| Loan and lease loss provision to assets | 0.1532% | 5,540 |
| Net operating income to assets | 1.2314% | 1,402 |
| Return on assets (ROA) | 1.2535% | 1,424 |
| Pretax return on assets | 1.2535% | 2,151 |
| Return on Equity (ROE) | 15.7200% | 730 |
| Retained earnings to average equity (ytd only) | 7.8692% | 1,254 |
| Net charge-offs to loans | 0.1795% | 4,452 |
| Credit loss provision to net charge-offs | 110.6383% | 4,184 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,048 |
| Efficiency ratio | 71.7887% | 4,455 |
| Assets per employee ($millions) | 2.7963% | 6,634 |
| Cash dividends to net income (ytd only)* | 49.9412% | 2,053 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3769% | 7,925 |
| Loan loss allowance to noncurrent loans | 92.7602% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 5,454 |
| Noncurrent loans to loans | 0.4063% | 6,489 |
| Net loans and leases to total assets | 79.0923% | 1,501 |
| Net loans and leases to deposits | 95.8527% | 1,819 |
| Net loans and leases to core deposits | 153.8865% | 563 |
| Total domestic deposits to total assets | 82.5144% | 4,471 |
| Equity capital to assets | 8.0221% | 6,727 |
| Core capital (leverage) ratio | 8.2318% | 5,920 |
| Tier 1 risk-based capital ratio | 11.6479% | 5,244 |
| Total risk-based capital ratio | 12.0776% | 5,986 |
| Memoranda: |
| Average total assets | $135,783,670 | 4,264 |
| Average earning assets | $121,738,330 | 4,323 |
| Average equity | $10,827,000 | 5,128 |
| Average total loans | $104,744,000 | 3,897 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5475% | 786 |
| Cost of funding earning assets | 2.4734% | 2,011 |
| Net interest margin | 4.0741% | 2,388 |
| Noninterest income to average assets | 1.0062% | 1,467 |
| Noninterest expense to average assets | 3.3825% | 2,407 |
| Loan and lease loss provision to assets | 0.1509% | 4,993 |
| Net operating income to assets | 1.1334% | 1,857 |
| Return on assets (ROA) | 1.1601% | 1,893 |
| Pretax return on assets | 1.1601% | 2,766 |
| Return on Equity (ROE) | 14.5935% | 1,053 |
| Retained earnings to average equity (ytd only) | 6.0310% | 2,609 |
| Net charge-offs to loans | 0.1986% | 3,446 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 8.5098% | 2,180 |
| Efficiency ratio | 72.4794% | 4,114 |
| Assets per employee ($millions) | 2.7689% | 6,712 |
| Cash dividends to net income (ytd only)* | 58.6735% | 1,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3898% | 7,960 |
| Loan loss allowance to noncurrent loans | 118.6944% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 5,383 |
| Noncurrent loans to loans | 0.3284% | 6,611 |
| Net loans and leases to total assets | 75.3461% | 2,419 |
| Net loans and leases to deposits | 91.3319% | 2,722 |
| Net loans and leases to core deposits | 131.9032% | 1,545 |
| Total domestic deposits to total assets | 82.4970% | 4,373 |
| Equity capital to assets | 8.0354% | 6,756 |
| Core capital (leverage) ratio | 8.1390% | 6,206 |
| Tier 1 risk-based capital ratio | 11.8744% | 5,059 |
| Total risk-based capital ratio | 12.3122% | 5,755 |
| Memoranda: |
| Average total assets | $135,165,000 | 4,311 |
| Average earning assets | $121,450,500 | 4,349 |
| Average equity | $10,744,500 | 5,171 |
| Average total loans | $102,724,500 | 3,962 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3308% | 559 |
| Cost of funding earning assets | 3.0664% | 1,615 |
| Net interest margin | 4.2644% | 2,085 |
| Noninterest income to average assets | 1.3385% | 802 |
| Noninterest expense to average assets | 3.9963% | 1,426 |
| Loan and lease loss provision to assets | 0.1844% | 5,052 |
| Net operating income to assets | 0.9671% | 2,711 |
| Return on assets (ROA) | 0.9621% | 2,609 |
| Pretax return on assets | 0.9621% | 3,514 |
| Return on Equity (ROE) | 12.5333% | 1,437 |
| Retained earnings to average equity (ytd only) | 2.2188% | 3,832 |
| Net charge-offs to loans | 0.1855% | 4,345 |
| Credit loss provision to net charge-offs | 131.3609% | 4,056 |
| Earnings coverage of net charge-offs (x) | 8.2012% | 2,924 |
| Efficiency ratio | 77.6307% | 2,974 |
| Assets per employee ($millions) | 2.6931% | 6,804 |
| Cash dividends to net income (ytd only)* | 82.2971% | 1,606 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3890% | 7,995 |
| Loan loss allowance to noncurrent loans | 76.3359% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 4,377 |
| Noncurrent loans to loans | 0.5096% | 5,826 |
| Net loans and leases to total assets | 76.0635% | 2,604 |
| Net loans and leases to deposits | 93.4014% | 2,875 |
| Net loans and leases to core deposits | 127.2000% | 2,067 |
| Total domestic deposits to total assets | 81.4371% | 4,445 |
| Equity capital to assets | 7.8623% | 7,026 |
| Core capital (leverage) ratio | 8.1286% | 6,284 |
| Tier 1 risk-based capital ratio | 11.7289% | 5,028 |
| Total risk-based capital ratio | 12.1679% | 5,719 |
| Memoranda: |
| Average total assets | $120,360,200 | 4,508 |
| Average earning assets | $107,518,800 | 4,579 |
| Average equity | $9,239,400 | 5,656 |
| Average total loans | $91,103,800 | 4,191 |
