| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1512% | 3,720 |
| Cost of funding earning assets | 0.6743% | 3,961 |
| Net interest margin | 3.4769% | 2,241 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.7259% | 1,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8916% | 2,577 |
| Return on assets (ROA) | 0.8916% | 2,549 |
| Pretax return on assets | 0.8916% | 2,986 |
| Return on Equity (ROE) | 12.0600% | 1,943 |
| Retained earnings to average equity (ytd only) | -1.2378% | 4,206 |
| Net charge-offs to loans | 0.0356% | 1,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 38.4737% | 1,468 |
| Efficiency ratio | 75.3540% | 1,316 |
| Assets per employee ($millions) | 7.3665% | 1,831 |
| Cash dividends to net income (ytd only)* | 110.2599% | 203 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1276% | 2,680 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.5400% | 2,620 |
| Net loans and leases to deposits | 67.9379% | 3,038 |
| Net loans and leases to core deposits | 70.1283% | 3,300 |
| Total domestic deposits to total assets | 92.0600% | 297 |
| Equity capital to assets | 7.5267% | 3,705 |
| Core capital (leverage) ratio | 7.8588% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4457% | 2,434 |
| Memoranda: |
| Average total assets | $81,991,000 | 3,999 |
| Average earning assets | $78,749,200 | 3,942 |
| Average equity | $6,059,200 | 4,156 |
| Average total loans | $53,333,400 | 3,792 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0938% | 3,676 |
| Cost of funding earning assets | 0.6333% | 3,915 |
| Net interest margin | 3.4605% | 2,313 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.5553% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0377% | 2,255 |
| Return on assets (ROA) | 1.0377% | 2,242 |
| Pretax return on assets | 1.0377% | 2,750 |
| Return on Equity (ROE) | 14.1100% | 1,629 |
| Retained earnings to average equity (ytd only) | -1.4767% | 4,288 |
| Net charge-offs to loans | 0.0470% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 33.6842% | 1,533 |
| Efficiency ratio | 71.1191% | 1,662 |
| Assets per employee ($millions) | 5.9150% | 2,824 |
| Cash dividends to net income (ytd only)* | 110.4688% | 167 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1245% | 2,743 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.0900% | 2,234 |
| Net loans and leases to deposits | 72.0757% | 2,705 |
| Net loans and leases to core deposits | 74.2100% | 2,986 |
| Total domestic deposits to total assets | 91.7000% | 518 |
| Equity capital to assets | 7.8666% | 3,138 |
| Core capital (leverage) ratio | 7.9060% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1682% | 2,566 |
| Memoranda: |
| Average total assets | $82,230,750 | 4,013 |
| Average earning assets | $78,946,750 | 3,960 |
| Average equity | $6,049,250 | 4,166 |
| Average total loans | $53,852,000 | 3,798 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9589% | 3,768 |
| Cost of funding earning assets | 0.5794% | 3,809 |
| Net interest margin | 3.3796% | 2,573 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.4950% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0047% | 2,401 |
| Return on assets (ROA) | 1.0047% | 2,400 |
| Pretax return on assets | 1.0047% | 2,899 |
| Return on Equity (ROE) | 13.9500% | 1,691 |
| Retained earnings to average equity (ytd only) | -2.7110% | 4,331 |
| Net charge-offs to loans | 0.0695% | 864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 22.2105% | 1,702 |
| Efficiency ratio | 71.2925% | 1,632 |
| Assets per employee ($millions) | 6.2678% | 2,492 |
| Cash dividends to net income (ytd only)* | 119.4313% | 198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0999% | 2,958 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.7900% | 2,406 |
| Net loans and leases to deposits | 69.0726% | 2,853 |
| Net loans and leases to core deposits | 70.9713% | 3,067 |
| Total domestic deposits to total assets | 92.3500% | 352 |
| Equity capital to assets | 7.3821% | 3,588 |
| Core capital (leverage) ratio | 7.6811% | 4,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7626% | 2,690 |
| Memoranda: |
| Average total assets | $84,009,333 | 4,011 |
| Average earning assets | $80,779,000 | 3,959 |
| Average equity | $6,049,333 | 4,189 |
| Average total loans | $54,669,333 | 3,798 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8745% | 3,729 |
| Cost of funding earning assets | 0.4294% | 3,886 |
| Net interest margin | 3.4451% | 2,517 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.4345% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1117% | 2,189 |
| Return on assets (ROA) | 1.1117% | 2,153 |
| Pretax return on assets | 1.1117% | 2,674 |
| Return on Equity (ROE) | 15.6300% | 1,432 |
| Retained earnings to average equity (ytd only) | -2.6374% | 4,232 |
| Net charge-offs to loans | 0.1148% | 546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 14.8125% | 1,560 |
| Efficiency ratio | 68.6508% | 1,901 |
| Assets per employee ($millions) | 6.9216% | 2,030 |
| Cash dividends to net income (ytd only)* | 116.8776% | 341 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0663% | 3,226 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.9000% | 2,164 |
| Net loans and leases to deposits | 73.3233% | 2,358 |
| Net loans and leases to core deposits | 74.6948% | 2,625 |
| Total domestic deposits to total assets | 88.5200% | 1,728 |
| Equity capital to assets | 7.3044% | 3,670 |
| Core capital (leverage) ratio | 7.4253% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5019% | 2,851 |
| Memoranda: |
| Average total assets | $85,273,500 | 4,048 |
| Average earning assets | $81,972,000 | 3,993 |
| Average equity | $6,066,500 | 4,237 |
| Average total loans | $55,728,500 | 3,826 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4052% | 3,333 |
| Cost of funding earning assets | 0.1097% | 4,346 |
| Net interest margin | 3.2955% | 2,573 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.4664% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9430% | 2,804 |
| Return on assets (ROA) | 0.9349% | 2,776 |
| Pretax return on assets | 0.9349% | 3,258 |
| Return on Equity (ROE) | 13.9100% | 1,556 |
| Retained earnings to average equity (ytd only) | 9.8993% | 1,190 |
| Net charge-offs to loans | 0.0018% | 2,475 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 822.0000% | 223 |
| Efficiency ratio | 72.3419% | 1,405 |
| Assets per employee ($millions) | 6.7298% | 2,166 |
| Cash dividends to net income (ytd only)* | 28.8344% | 2,474 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0480% | 3,135 |
| Loan loss allowance to noncurrent loans | 2,713.6364% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,582 |
| Noncurrent loans to loans | 0.0386% | 3,496 |
| Net loans and leases to total assets | 64.4300% | 2,202 |
| Net loans and leases to deposits | 69.3285% | 2,638 |
| Net loans and leases to core deposits | 70.1918% | 2,858 |
| Total domestic deposits to total assets | 92.9400% | 418 |
| Equity capital to assets | 6.9335% | 3,703 |
| Core capital (leverage) ratio | 7.3674% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2298% | 2,934 |
| Memoranda: |
| Average total assets | $87,172,600 | 4,046 |
| Average earning assets | $83,901,200 | 3,996 |
| Average equity | $5,859,000 | 4,342 |
| Average total loans | $54,466,600 | 3,830 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3371% | 3,082 |
| Cost of funding earning assets | 0.0954% | 4,317 |
| Net interest margin | 3.2417% | 2,490 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.2887% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0716% | 2,199 |
| Return on assets (ROA) | 1.0716% | 2,163 |
| Pretax return on assets | 1.0716% | 2,808 |
| Return on Equity (ROE) | 16.0700% | 962 |
| Retained earnings to average equity (ytd only) | 10.6760% | 1,143 |
| Net charge-offs to loans | 0.0025% | 2,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 700.0000% | 234 |
| Efficiency ratio | 68.1093% | 2,000 |
| Assets per employee ($millions) | 7.2208% | 1,799 |
| Cash dividends to net income (ytd only)* | 33.5714% | 1,876 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0664% | 3,167 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 63.9200% | 2,095 |
| Net loans and leases to deposits | 70.9069% | 2,297 |
| Net loans and leases to core deposits | 71.8265% | 2,496 |
| Total domestic deposits to total assets | 90.1400% | 1,600 |
| Equity capital to assets | 6.8379% | 3,595 |
| Core capital (leverage) ratio | 7.0573% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8809% | 3,054 |
| Memoranda: |
| Average total assets | $87,093,750 | 4,075 |
| Average earning assets | $83,822,500 | 4,025 |
| Average equity | $5,807,250 | 4,387 |
| Average total loans | $53,841,250 | 3,859 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2267% | 2,966 |
| Cost of funding earning assets | 0.0928% | 4,265 |
| Net interest margin | 3.1339% | 2,427 |
| Noninterest income to average assets | 0.2384% | 3,744 |
| Noninterest expense to average assets | 2.3360% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9216% | 2,482 |
| Return on assets (ROA) | 0.9216% | 2,451 |
| Pretax return on assets | 0.9216% | 2,990 |
| Return on Equity (ROE) | 13.9390% | 1,126 |
| Retained earnings to average equity (ytd only) | 11.6505% | 669 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7101% | 1,751 |
| Assets per employee ($millions) | 8.0399% | 1,281 |
| Cash dividends to net income (ytd only)* | 16.4179% | 2,602 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0764% | 3,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.1400% | 2,114 |
| Net loans and leases to deposits | 67.0522% | 2,466 |
| Net loans and leases to core deposits | 67.3134% | 2,713 |
| Total domestic deposits to total assets | 92.6740% | 595 |
| Equity capital to assets | 6.6396% | 3,957 |
| Core capital (leverage) ratio | 6.8672% | 4,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8960% | 3,026 |
| Memoranda: |
| Average total assets | $87,242,000 | 4,114 |
| Average earning assets | $84,048,000 | 4,074 |
| Average equity | $5,768,000 | 4,439 |
| Average total loans | $53,128,000 | 3,911 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1087% | 2,958 |
| Cost of funding earning assets | 0.0959% | 4,186 |
| Net interest margin | 3.0128% | 2,462 |
| Noninterest income to average assets | 0.2401% | 3,708 |
| Noninterest expense to average assets | 2.3591% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7802% | 2,725 |
| Return on assets (ROA) | 0.7802% | 2,721 |
| Pretax return on assets | 0.7802% | 3,171 |
| Return on Equity (ROE) | 11.8265% | 1,375 |
| Retained earnings to average equity (ytd only) | 11.8265% | 634 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1471% | 1,619 |
| Assets per employee ($millions) | 6.8848% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1586% | 3,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 57.0021% | 2,417 |
| Net loans and leases to deposits | 61.3507% | 2,769 |
| Net loans and leases to core deposits | 61.9752% | 2,973 |
| Total domestic deposits to total assets | 92.9119% | 294 |
| Equity capital to assets | 6.4110% | 4,460 |
| Core capital (leverage) ratio | 6.8291% | 4,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2695% | 3,015 |
| Memoranda: |
| Average total assets | $86,643,500 | 4,138 |
| Average earning assets | $83,378,500 | 4,098 |
| Average equity | $5,716,000 | 4,494 |
| Average total loans | $51,915,000 | 3,943 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1165% | 1,131 |
| Cost of funding earning assets | 0.1587% | 3,884 |
| Net interest margin | 3.9577% | 775 |
| Noninterest income to average assets | 0.2343% | 3,976 |
| Noninterest expense to average assets | 2.8820% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1526% | 2,095 |
| Return on assets (ROA) | 1.1526% | 2,155 |
| Pretax return on assets | 1.1526% | 2,810 |
| Return on Equity (ROE) | 16.0995% | 741 |
| Retained earnings to average equity (ytd only) | 4.6979% | 2,925 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4330% | 1,570 |
| Assets per employee ($millions) | 5.9846% | 2,789 |
| Cash dividends to net income (ytd only)* | 70.8197% | 710 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1453% | 3,147 |
| Loan loss allowance to noncurrent loans | 3,986.6667% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 3,962 |
| Noncurrent loans to loans | 0.0287% | 3,869 |
| Net loans and leases to total assets | 61.6053% | 1,983 |
| Net loans and leases to deposits | 66.4752% | 2,467 |
| Net loans and leases to core deposits | 67.1987% | 2,721 |
| Total domestic deposits to total assets | 92.6741% | 73 |
| Equity capital to assets | 6.7960% | 4,750 |
| Core capital (leverage) ratio | 7.0664% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7877% | 3,063 |
| Memoranda: |
| Average total assets | $79,388,800 | 4,226 |
| Average earning assets | $76,230,400 | 4,182 |
| Average equity | $5,683,400 | 4,561 |
| Average total loans | $52,282,600 | 3,958 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4331% | 768 |
| Cost of funding earning assets | 0.1791% | 3,832 |
| Net interest margin | 4.2540% | 498 |
| Noninterest income to average assets | 0.2333% | 4,000 |
| Noninterest expense to average assets | 2.7266% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5923% | 1,055 |
| Return on assets (ROA) | 1.5923% | 1,095 |
| Pretax return on assets | 1.5923% | 1,726 |
| Return on Equity (ROE) | 21.9449% | 309 |
| Retained earnings to average equity (ytd only) | 6.7360% | 2,527 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1309% | 2,518 |
| Assets per employee ($millions) | 5.5886% | 3,106 |
| Cash dividends to net income (ytd only)* | 69.3048% | 595 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1660% | 3,136 |
| Loan loss allowance to noncurrent loans | 3,737.5000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 4,057 |
| Noncurrent loans to loans | 0.0312% | 3,978 |
| Net loans and leases to total assets | 64.7857% | 1,678 |
| Net loans and leases to deposits | 70.3633% | 2,199 |
| Net loans and leases to core deposits | 70.9393% | 2,516 |
| Total domestic deposits to total assets | 92.0732% | 109 |
| Equity capital to assets | 7.3376% | 4,748 |
| Core capital (leverage) ratio | 7.2444% | 4,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2269% | 3,069 |
| Memoranda: |
| Average total assets | $78,289,750 | 4,293 |
| Average earning assets | $75,189,250 | 4,247 |
| Average equity | $5,680,750 | 4,629 |
| Average total loans | $52,299,750 | 4,008 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9633% | 364 |
| Cost of funding earning assets | 0.2046% | 3,700 |
| Net interest margin | 4.7587% | 236 |
| Noninterest income to average assets | 0.2197% | 4,089 |
| Noninterest expense to average assets | 2.7380% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0560% | 444 |
| Return on assets (ROA) | 2.0560% | 467 |
| Pretax return on assets | 2.0560% | 746 |
| Return on Equity (ROE) | 28.4419% | 117 |
| Retained earnings to average equity (ytd only) | 11.1648% | 1,087 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1124% | 3,390 |
| Assets per employee ($millions) | 5.3263% | 3,318 |
| Cash dividends to net income (ytd only)* | 60.7453% | 906 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1364% | 3,260 |
| Loan loss allowance to noncurrent loans | 3,517.6471% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,130 |
| Noncurrent loans to loans | 0.0323% | 4,037 |
| Net loans and leases to total assets | 65.1188% | 1,811 |
| Net loans and leases to deposits | 70.6232% | 2,344 |
| Net loans and leases to core deposits | 71.8551% | 2,617 |
| Total domestic deposits to total assets | 92.2059% | 90 |
| Equity capital to assets | 7.2283% | 4,800 |
| Core capital (leverage) ratio | 7.2635% | 4,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5930% | 3,025 |
| Memoranda: |
| Average total assets | $78,306,000 | 4,317 |
| Average earning assets | $75,273,000 | 4,269 |
| Average equity | $5,660,667 | 4,659 |
| Average total loans | $52,637,333 | 4,030 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3834% | 214 |
| Cost of funding earning assets | 0.2362% | 3,598 |
| Net interest margin | 5.1473% | 159 |
| Noninterest income to average assets | 0.2271% | 4,019 |
| Noninterest expense to average assets | 2.8331% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3429% | 346 |
| Return on assets (ROA) | 2.3429% | 370 |
| Pretax return on assets | 2.3429% | 562 |
| Return on Equity (ROE) | 32.4083% | 105 |
| Retained earnings to average equity (ytd only) | 20.0589% | 270 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7358% | 3,707 |
| Assets per employee ($millions) | 4.9048% | 3,758 |
| Cash dividends to net income (ytd only)* | 38.1057% | 1,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0994% | 3,433 |
| Loan loss allowance to noncurrent loans | 3,322.2222% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 4,205 |
| Noncurrent loans to loans | 0.0331% | 4,117 |
| Net loans and leases to total assets | 68.5483% | 1,459 |
| Net loans and leases to deposits | 74.5007% | 2,069 |
| Net loans and leases to core deposits | 75.8153% | 2,372 |
| Total domestic deposits to total assets | 92.0103% | 142 |
| Equity capital to assets | 7.3169% | 4,769 |
| Core capital (leverage) ratio | 7.5882% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3451% | 3,033 |
| Memoranda: |
| Average total assets | $77,512,000 | 4,342 |
| Average earning assets | $74,525,000 | 4,295 |
| Average equity | $5,603,500 | 4,681 |
| Average total loans | $52,644,000 | 4,046 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4063% | 1,576 |
| Cost of funding earning assets | 0.4704% | 3,149 |
| Net interest margin | 3.9360% | 1,124 |
| Noninterest income to average assets | 0.2488% | 3,998 |
| Noninterest expense to average assets | 3.1011% | 1,228 |
| Loan and lease loss provision to assets | 0.2615% | 1,479 |
| Net operating income to assets | 0.6474% | 3,604 |
| Return on assets (ROA) | 0.7647% | 3,346 |
| Pretax return on assets | 0.7647% | 3,719 |
| Return on Equity (ROE) | 9.9613% | 2,023 |
| Retained earnings to average equity (ytd only) | 3.4432% | 3,106 |
| Net charge-offs to loans | 0.0682% | 1,811 |
| Credit loss provision to net charge-offs | 544.1176% | 1,187 |
| Earnings coverage of net charge-offs (x) | 18.9118% | 2,006 |
| Efficiency ratio | 77.3352% | 1,098 |
| Assets per employee ($millions) | 4.7843% | 3,621 |
| Cash dividends to net income (ytd only)* | 65.4344% | 1,122 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1749% | 3,083 |
| Loan loss allowance to noncurrent loans | 3,147.3684% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,258 |
| Noncurrent loans to loans | 0.0373% | 4,156 |
| Net loans and leases to total assets | 65.7078% | 2,135 |
| Net loans and leases to deposits | 71.5955% | 2,725 |
| Net loans and leases to core deposits | 73.4256% | 2,962 |
| Total domestic deposits to total assets | 91.7764% | 90 |
| Equity capital to assets | 7.1393% | 4,902 |
| Core capital (leverage) ratio | 7.3540% | 4,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0891% | 3,077 |
| Memoranda: |
| Average total assets | $70,749,600 | 4,376 |
| Average earning assets | $67,607,200 | 4,328 |
| Average equity | $5,431,000 | 4,701 |
| Average total loans | $49,833,800 | 4,113 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7248% | 1,009 |
| Cost of funding earning assets | 0.5324% | 3,034 |
| Net interest margin | 4.1924% | 748 |
| Noninterest income to average assets | 0.2578% | 3,940 |
| Noninterest expense to average assets | 2.9975% | 1,449 |
| Loan and lease loss provision to assets | 0.1631% | 2,373 |
| Net operating income to assets | 1.0967% | 1,993 |
| Return on assets (ROA) | 1.2563% | 1,579 |
| Pretax return on assets | 1.2563% | 2,205 |
| Return on Equity (ROE) | 16.0562% | 542 |
| Retained earnings to average equity (ytd only) | 7.3519% | 1,561 |
| Net charge-offs to loans | 0.0780% | 1,529 |
| Credit loss provision to net charge-offs | 293.1034% | 1,788 |
| Earnings coverage of net charge-offs (x) | 22.5862% | 1,829 |
| Efficiency ratio | 70.4022% | 1,830 |
| Assets per employee ($millions) | 4.4689% | 3,882 |
| Cash dividends to net income (ytd only)* | 54.2113% | 1,313 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9567% | 3,860 |
| Loan loss allowance to noncurrent loans | 2,515.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 4,326 |
| Noncurrent loans to loans | 0.0380% | 4,236 |
| Net loans and leases to total assets | 72.8301% | 1,531 |
| Net loans and leases to deposits | 80.0661% | 2,309 |
| Net loans and leases to core deposits | 82.2813% | 2,642 |
| Total domestic deposits to total assets | 90.9625% | 182 |
| Equity capital to assets | 7.8138% | 4,774 |
| Core capital (leverage) ratio | 7.5723% | 4,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8380% | 2,954 |
| Memoranda: |
| Average total assets | $69,300,000 | 4,406 |
| Average earning assets | $66,117,250 | 4,362 |
| Average equity | $5,422,500 | 4,724 |
| Average total loans | $49,568,250 | 4,141 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9536% | 894 |
| Cost of funding earning assets | 0.5959% | 2,986 |
| Net interest margin | 4.3577% | 664 |
| Noninterest income to average assets | 0.2538% | 3,953 |
| Noninterest expense to average assets | 2.9869% | 1,609 |
| Loan and lease loss provision to assets | 0.1896% | 2,128 |
| Net operating income to assets | 1.2368% | 1,525 |
| Return on assets (ROA) | 1.4789% | 1,045 |
| Pretax return on assets | 1.4789% | 1,505 |
| Return on Equity (ROE) | 18.8909% | 312 |
| Retained earnings to average equity (ytd only) | 5.7008% | 2,195 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6801% | 2,282 |
| Assets per employee ($millions) | 4.2843% | 4,021 |
| Cash dividends to net income (ytd only)* | 69.8225% | 946 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9676% | 3,722 |
| Loan loss allowance to noncurrent loans | 1,312.8205% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 4,262 |
| Noncurrent loans to loans | 0.0737% | 4,168 |
| Net loans and leases to total assets | 71.9454% | 1,714 |
| Net loans and leases to deposits | 79.3050% | 2,511 |
| Net loans and leases to core deposits | 81.7907% | 2,791 |
| Total domestic deposits to total assets | 90.7199% | 217 |
| Equity capital to assets | 7.4870% | 4,878 |
| Core capital (leverage) ratio | 7.6667% | 4,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3906% | 3,107 |
| Memoranda: |
| Average total assets | $68,566,000 | 4,423 |
| Average earning assets | $65,447,333 | 4,382 |
| Average equity | $5,367,667 | 4,757 |
| Average total loans | $48,565,000 | 4,165 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6298% | 1,912 |
| Cost of funding earning assets | 0.6758% | 3,030 |
| Net interest margin | 3.9539% | 1,519 |
| Noninterest income to average assets | 0.3011% | 3,707 |
| Noninterest expense to average assets | 2.9263% | 2,057 |
| Loan and lease loss provision to assets | 0.0903% | 2,554 |
| Net operating income to assets | 1.0537% | 1,989 |
| Return on assets (ROA) | 1.0778% | 2,014 |
| Pretax return on assets | 1.0778% | 2,594 |
| Return on Equity (ROE) | 13.4460% | 800 |
| Retained earnings to average equity (ytd only) | 2.4789% | 3,272 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8935% | 2,092 |
| Assets per employee ($millions) | 3.8634% | 4,099 |
| Cash dividends to net income (ytd only)* | 81.5642% | 1,000 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9795% | 3,811 |
| Loan loss allowance to noncurrent loans | 1,155.0000% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 4,291 |
| Noncurrent loans to loans | 0.0848% | 4,171 |
| Net loans and leases to total assets | 71.1162% | 2,071 |
| Net loans and leases to deposits | 79.0706% | 2,769 |
| Net loans and leases to core deposits | 81.4434% | 3,069 |
| Total domestic deposits to total assets | 89.9402% | 342 |
| Equity capital to assets | 8.1551% | 4,939 |
| Core capital (leverage) ratio | 8.1096% | 4,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1423% | 3,307 |
| Memoranda: |
| Average total assets | $66,432,500 | 4,460 |
| Average earning assets | $63,329,500 | 4,430 |
| Average equity | $5,325,000 | 4,800 |
| Average total loans | $46,391,500 | 4,223 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4814% | 3,006 |
| Cost of funding earning assets | 0.6292% | 3,506 |
| Net interest margin | 3.8523% | 2,327 |
| Noninterest income to average assets | 0.2902% | 3,954 |
| Noninterest expense to average assets | 3.0351% | 1,924 |
| Loan and lease loss provision to assets | 0.0442% | 3,126 |
| Net operating income to assets | 0.8825% | 3,275 |
| Return on assets (ROA) | 0.8427% | 3,499 |
| Pretax return on assets | 0.8427% | 3,898 |
| Return on Equity (ROE) | 10.8301% | 1,955 |
| Retained earnings to average equity (ytd only) | -0.3408% | 4,745 |
| Net charge-offs to loans | -0.0091% | 4,444 |
| Credit loss provision to net charge-offs | -750.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6084% | 1,305 |
| Assets per employee ($millions) | 4.1993% | 3,633 |
| Cash dividends to net income (ytd only)* | 103.1469% | 267 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9800% | 3,608 |
| Loan loss allowance to noncurrent loans | 1,064.2857% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,311 |
| Noncurrent loans to loans | 0.0921% | 4,155 |
| Net loans and leases to total assets | 67.2248% | 2,796 |
| Net loans and leases to deposits | 74.5785% | 3,299 |
| Net loans and leases to core deposits | 79.1820% | 3,365 |
| Total domestic deposits to total assets | 90.1396% | 280 |
| Equity capital to assets | 7.8794% | 5,071 |
| Core capital (leverage) ratio | 7.9849% | 5,042 |
| Tier 1 risk-based capital ratio | 10.2354% | 5,086 |
| Total risk-based capital ratio | 11.1063% | 5,104 |
| Memoranda: |
| Average total assets | $67,873,200 | 4,468 |
| Average earning assets | $64,689,400 | 4,427 |
| Average equity | $5,281,600 | 4,853 |
| Average total loans | $44,132,000 | 4,305 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4432% | 3,230 |
| Cost of funding earning assets | 0.6086% | 3,649 |
| Net interest margin | 3.8346% | 2,489 |
| Noninterest income to average assets | 0.2920% | 3,989 |
| Noninterest expense to average assets | 2.8588% | 2,383 |
| Loan and lease loss provision to assets | 0.0588% | 2,722 |
| Net operating income to assets | 1.0287% | 2,867 |
| Return on assets (ROA) | 0.9758% | 3,145 |
| Pretax return on assets | 0.9758% | 3,659 |
| Return on Equity (ROE) | 12.5790% | 1,419 |
| Retained earnings to average equity (ytd only) | 0.2021% | 4,727 |
| Net charge-offs to loans | -0.0122% | 4,437 |
| Credit loss provision to net charge-offs | -750.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4429% | 1,773 |
| Assets per employee ($millions) | 3.8989% | 4,029 |
| Cash dividends to net income (ytd only)* | 98.3945% | 343 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0198% | 3,459 |
| Loan loss allowance to noncurrent loans | 1,943.4783% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,548 |
| Noncurrent loans to loans | 0.0525% | 4,410 |
| Net loans and leases to total assets | 65.4552% | 3,120 |
| Net loans and leases to deposits | 72.6936% | 3,579 |
| Net loans and leases to core deposits | 77.2511% | 3,612 |
| Total domestic deposits to total assets | 90.0425% | 277 |
| Equity capital to assets | 8.0384% | 5,119 |
| Core capital (leverage) ratio | 8.0342% | 5,114 |
| Tier 1 risk-based capital ratio | 10.6750% | 5,031 |
| Total risk-based capital ratio | 11.5789% | 5,046 |
| Memoranda: |
| Average total assets | $68,044,500 | 4,510 |
| Average earning assets | $64,847,000 | 4,475 |
| Average equity | $5,278,500 | 4,916 |
| Average total loans | $43,761,500 | 4,367 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3956% | 3,346 |
| Cost of funding earning assets | 0.5739% | 3,775 |
| Net interest margin | 3.8217% | 2,512 |
| Noninterest income to average assets | 0.2914% | 3,994 |
| Noninterest expense to average assets | 2.8063% | 2,568 |
| Loan and lease loss provision to assets | 0.0874% | 2,094 |
| Net operating income to assets | 1.0462% | 2,735 |
| Return on assets (ROA) | 0.9675% | 3,110 |
| Pretax return on assets | 0.9675% | 3,656 |
| Return on Equity (ROE) | 12.6188% | 1,366 |
| Retained earnings to average equity (ytd only) | -0.3041% | 4,731 |
| Net charge-offs to loans | -0.0183% | 4,521 |
| Credit loss provision to net charge-offs | -750.0000% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2278% | 2,030 |
| Assets per employee ($millions) | 4.4613% | 3,201 |
| Cash dividends to net income (ytd only)* | 102.4096% | 383 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9882% | 3,693 |
| Loan loss allowance to noncurrent loans | 1,862.5000% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 4,589 |
| Noncurrent loans to loans | 0.0531% | 4,446 |
| Net loans and leases to total assets | 66.9302% | 2,977 |
| Net loans and leases to deposits | 74.2203% | 3,498 |
| Net loans and leases to core deposits | 78.8095% | 3,518 |
| Total domestic deposits to total assets | 90.1777% | 294 |
| Equity capital to assets | 7.9439% | 5,185 |
| Core capital (leverage) ratio | 7.6928% | 5,214 |
| Tier 1 risk-based capital ratio | 10.4910% | 5,110 |
| Total risk-based capital ratio | 11.3820% | 5,141 |
| Memoranda: |
| Average total assets | $68,632,000 | 4,540 |
| Average earning assets | $65,520,000 | 4,505 |
| Average equity | $5,262,000 | 4,950 |
| Average total loans | $43,738,000 | 4,395 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3047% | 3,538 |
| Cost of funding earning assets | 0.4997% | 4,062 |
| Net interest margin | 3.8050% | 2,507 |
| Noninterest income to average assets | 0.2821% | 3,993 |
| Noninterest expense to average assets | 2.7400% | 2,779 |
| Loan and lease loss provision to assets | 0.1151% | 1,530 |
| Net operating income to assets | 1.0649% | 2,599 |
| Return on assets (ROA) | 1.0649% | 2,650 |
| Pretax return on assets | 1.0649% | 3,255 |
| Return on Equity (ROE) | 14.1356% | 939 |
| Retained earnings to average equity (ytd only) | 5.5014% | 2,695 |
| Net charge-offs to loans | -0.0744% | 4,952 |
| Credit loss provision to net charge-offs | -250.0000% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8972% | 2,357 |
| Assets per employee ($millions) | 4.3183% | 3,461 |
| Cash dividends to net income (ytd only)* | 61.0811% | 1,329 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0028% | 3,690 |
| Loan loss allowance to noncurrent loans | 1,470.0000% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 4,622 |
| Noncurrent loans to loans | 0.0682% | 4,453 |
| Net loans and leases to total assets | 63.0136% | 3,401 |
| Net loans and leases to deposits | 70.0261% | 3,764 |
| Net loans and leases to core deposits | 71.4569% | 3,984 |
| Total domestic deposits to total assets | 89.9860% | 451 |
| Equity capital to assets | 7.6737% | 5,242 |
| Core capital (leverage) ratio | 7.8339% | 5,241 |
| Tier 1 risk-based capital ratio | 10.6261% | 5,142 |
| Total risk-based capital ratio | 11.5031% | 5,174 |
| Memoranda: |
| Average total assets | $69,488,500 | 4,578 |
| Average earning assets | $66,439,500 | 4,537 |
| Average equity | $5,235,000 | 4,998 |
| Average total loans | $42,989,000 | 4,463 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1105% | 3,709 |
| Cost of funding earning assets | 0.4057% | 3,956 |
| Net interest margin | 3.7048% | 3,016 |
| Noninterest income to average assets | 0.2707% | 4,296 |
| Noninterest expense to average assets | 2.8759% | 2,430 |
| Loan and lease loss provision to assets | 0.0602% | 2,959 |
| Net operating income to assets | 0.8649% | 3,556 |
| Return on assets (ROA) | 0.8649% | 3,552 |
| Pretax return on assets | 0.8649% | 3,988 |
| Return on Equity (ROE) | 11.4899% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.0955% | 2,716 |
| Net charge-offs to loans | 0.0073% | 3,424 |
| Credit loss provision to net charge-offs | 1,333.3333% | 311 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 447 |
| Efficiency ratio | 75.6628% | 1,412 |
| Assets per employee ($millions) | 4.3678% | 3,352 |
| Cash dividends to net income (ytd only)* | 55.6522% | 1,699 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9834% | 3,786 |
| Loan loss allowance to noncurrent loans | 83.9431% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 1,967 |
| Noncurrent loans to loans | 1.1715% | 1,377 |
| Net loans and leases to total assets | 59.5072% | 3,821 |
| Net loans and leases to deposits | 65.1583% | 4,175 |
| Net loans and leases to core deposits | 66.7255% | 4,313 |
| Total domestic deposits to total assets | 91.3271% | 143 |
| Equity capital to assets | 7.3951% | 5,292 |
| Core capital (leverage) ratio | 7.6903% | 5,298 |
| Tier 1 risk-based capital ratio | 11.1768% | 4,875 |
| Total risk-based capital ratio | 12.0526% | 4,954 |
| Memoranda: |
| Average total assets | $66,482,400 | 4,644 |
| Average earning assets | $63,349,600 | 4,603 |
| Average equity | $5,004,400 | 5,051 |
| Average total loans | $40,947,800 | 4,524 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0643% | 3,743 |
| Cost of funding earning assets | 0.3885% | 3,947 |
| Net interest margin | 3.6758% | 3,101 |
| Noninterest income to average assets | 0.2905% | 4,216 |
| Noninterest expense to average assets | 2.7202% | 2,919 |
| Loan and lease loss provision to assets | 0.0813% | 2,330 |
| Net operating income to assets | 0.9873% | 3,141 |
| Return on assets (ROA) | 0.9873% | 3,150 |
| Pretax return on assets | 0.9873% | 3,756 |
| Return on Equity (ROE) | 13.0549% | 1,410 |
| Retained earnings to average equity (ytd only) | 4.4592% | 3,518 |
| Net charge-offs to loans | -0.0131% | 4,471 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7962% | 1,920 |
| Assets per employee ($millions) | 4.2888% | 3,444 |
| Cash dividends to net income (ytd only)* | 65.8446% | 993 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0001% | 3,759 |
| Loan loss allowance to noncurrent loans | 85.5397% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 2,065 |
| Noncurrent loans to loans | 1.1692% | 1,442 |
| Net loans and leases to total assets | 60.5850% | 3,787 |
| Net loans and leases to deposits | 66.6058% | 4,158 |
| Net loans and leases to core deposits | 68.2447% | 4,285 |
| Total domestic deposits to total assets | 90.9605% | 233 |
| Equity capital to assets | 7.3461% | 5,337 |
| Core capital (leverage) ratio | 7.4600% | 5,396 |
| Tier 1 risk-based capital ratio | 11.0197% | 5,030 |
| Total risk-based capital ratio | 11.9128% | 5,097 |
| Memoranda: |
| Average total assets | $65,632,000 | 4,708 |
| Average earning assets | $62,461,250 | 4,667 |
| Average equity | $4,963,500 | 5,117 |
| Average total loans | $40,685,000 | 4,575 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0062% | 3,768 |
| Cost of funding earning assets | 0.3743% | 3,912 |
| Net interest margin | 3.6319% | 3,192 |
| Noninterest income to average assets | 0.2847% | 4,276 |
| Noninterest expense to average assets | 2.7322% | 2,899 |
| Loan and lease loss provision to assets | 0.0928% | 2,059 |
| Net operating income to assets | 0.9128% | 3,407 |
| Return on assets (ROA) | 0.9128% | 3,412 |
| Pretax return on assets | 0.9128% | 3,927 |
| Return on Equity (ROE) | 11.9490% | 1,746 |
| Retained earnings to average equity (ytd only) | 3.8480% | 3,679 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0960% | 1,836 |
| Assets per employee ($millions) | 4.1714% | 3,623 |
| Cash dividends to net income (ytd only)* | 67.7966% | 1,057 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9629% | 4,049 |
| Loan loss allowance to noncurrent loans | 1,503.7037% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,826 |
| Noncurrent loans to loans | 0.0640% | 4,637 |
| Net loans and leases to total assets | 62.5684% | 3,538 |
| Net loans and leases to deposits | 68.6594% | 3,971 |
| Net loans and leases to core deposits | 70.0354% | 4,140 |
| Total domestic deposits to total assets | 91.1287% | 217 |
| Equity capital to assets | 7.4585% | 5,383 |
| Core capital (leverage) ratio | 7.7256% | 5,410 |
| Tier 1 risk-based capital ratio | 10.9181% | 5,100 |
| Total risk-based capital ratio | 11.7854% | 5,156 |
| Memoranda: |
| Average total assets | $64,635,670 | 4,784 |
| Average earning assets | $61,455,000 | 4,739 |
| Average equity | $4,937,670 | 5,176 |
| Average total loans | $40,248,670 | 4,633 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7891% | 4,245 |
| Cost of funding earning assets | 0.3643% | 3,879 |
| Net interest margin | 3.4248% | 3,796 |
| Noninterest income to average assets | 0.2894% | 4,235 |
| Noninterest expense to average assets | 2.7115% | 3,003 |
| Loan and lease loss provision to assets | 0.0629% | 2,513 |
| Net operating income to assets | 0.7675% | 3,841 |
| Return on assets (ROA) | 0.7675% | 3,841 |
| Pretax return on assets | 0.7675% | 4,230 |
| Return on Equity (ROE) | 9.9237% | 2,478 |
| Retained earnings to average equity (ytd only) | 1.7895% | 4,418 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5542% | 1,510 |
| Assets per employee ($millions) | 4.2928% | 3,499 |
| Cash dividends to net income (ytd only)* | 81.9672% | 800 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9625% | 4,155 |
| Loan loss allowance to noncurrent loans | 1,378.5714% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 4,891 |
| Noncurrent loans to loans | 0.0698% | 4,669 |
| Net loans and leases to total assets | 61.6831% | 3,586 |
| Net loans and leases to deposits | 67.6149% | 3,976 |
| Net loans and leases to core deposits | 68.9255% | 4,158 |
| Total domestic deposits to total assets | 91.2272% | 247 |
| Equity capital to assets | 7.6314% | 5,387 |
| Core capital (leverage) ratio | 7.9844% | 5,395 |
| Tier 1 risk-based capital ratio | 11.2252% | 5,017 |
| Total risk-based capital ratio | 12.0853% | 5,123 |
| Memoranda: |
| Average total assets | $63,582,000 | 4,857 |
| Average earning assets | $60,383,000 | 4,815 |
| Average equity | $4,917,500 | 5,233 |
| Average total loans | $39,290,000 | 4,712 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7781% | 4,116 |
| Cost of funding earning assets | 0.2817% | 4,302 |
| Net interest margin | 3.4964% | 3,545 |
| Noninterest income to average assets | 0.3281% | 4,124 |
| Noninterest expense to average assets | 2.7476% | 2,962 |
| Loan and lease loss provision to assets | 0.0500% | 3,220 |
| Net operating income to assets | 0.8992% | 2,712 |
| Return on assets (ROA) | 0.8992% | 2,744 |
| Pretax return on assets | 0.8992% | 3,930 |
| Return on Equity (ROE) | 10.7168% | 1,581 |
| Retained earnings to average equity (ytd only) | -2.9571% | 5,342 |
| Net charge-offs to loans | 0.0213% | 3,393 |
| Credit loss provision to net charge-offs | 375.0000% | 798 |
| Earnings coverage of net charge-offs (x) | 71.2500% | 842 |
| Efficiency ratio | 74.3243% | 1,853 |
| Assets per employee ($millions) | 3.9233% | 4,084 |
| Cash dividends to net income (ytd only)* | 127.5926% | 191 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9773% | 4,067 |
| Loan loss allowance to noncurrent loans | 1,296.5517% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,905 |
| Noncurrent loans to loans | 0.0754% | 4,662 |
| Net loans and leases to total assets | 60.6943% | 3,769 |
| Net loans and leases to deposits | 66.6533% | 4,137 |
| Net loans and leases to core deposits | 67.9793% | 4,295 |
| Total domestic deposits to total assets | 91.0597% | 226 |
| Equity capital to assets | 7.8395% | 5,442 |
| Core capital (leverage) ratio | 8.4219% | 5,204 |
| Tier 1 risk-based capital ratio | 11.5297% | 4,834 |
| Total risk-based capital ratio | 12.3940% | 4,948 |
| Memoranda: |
| Average total assets | $60,051,400 | 4,966 |
| Average earning assets | $57,860,000 | 4,913 |
| Average equity | $5,038,800 | 5,268 |
| Average total loans | $37,583,400 | 4,804 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7746% | 4,084 |
| Cost of funding earning assets | 0.2739% | 4,371 |
| Net interest margin | 3.5007% | 3,499 |
| Noninterest income to average assets | 0.3413% | 4,094 |
| Noninterest expense to average assets | 2.5085% | 3,703 |
| Loan and lease loss provision to assets | 0.0674% | 2,723 |
| Net operating income to assets | 1.1520% | 1,873 |
| Return on assets (ROA) | 1.1520% | 1,921 |
| Pretax return on assets | 1.1520% | 3,105 |
| Return on Equity (ROE) | 13.4954% | 934 |
| Retained earnings to average equity (ytd only) | -1.9993% | 5,430 |
| Net charge-offs to loans | 0.0179% | 3,143 |
| Credit loss provision to net charge-offs | 600.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 108.5427% | 660 |
| Efficiency ratio | 67.2892% | 3,002 |
| Assets per employee ($millions) | 4.8906% | 2,581 |
| Cash dividends to net income (ytd only)* | 114.8148% | 194 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9904% | 4,117 |
| Loan loss allowance to noncurrent loans | 842.2222% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,861 |
| Noncurrent loans to loans | 0.1176% | 4,585 |
| Net loans and leases to total assets | 64.5611% | 3,316 |
| Net loans and leases to deposits | 72.2617% | 3,742 |
| Net loans and leases to core deposits | 74.1961% | 3,960 |
| Total domestic deposits to total assets | 89.3435% | 727 |
| Equity capital to assets | 8.5982% | 5,224 |
| Core capital (leverage) ratio | 8.5929% | 5,173 |
| Tier 1 risk-based capital ratio | 11.7688% | 4,792 |
| Total risk-based capital ratio | 12.6454% | 4,904 |
| Memoranda: |
| Average total assets | $59,371,250 | 5,033 |
| Average earning assets | $57,435,500 | 4,976 |
| Average equity | $5,068,250 | 5,321 |
| Average total loans | $37,360,500 | 4,859 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7333% | 4,122 |
| Cost of funding earning assets | 0.2699% | 4,377 |
| Net interest margin | 3.4634% | 3,532 |
| Noninterest income to average assets | 0.3456% | 4,078 |
| Noninterest expense to average assets | 2.4598% | 3,893 |
| Loan and lease loss provision to assets | 0.1007% | 2,004 |
| Net operating income to assets | 1.1443% | 1,804 |
| Return on assets (ROA) | 1.1443% | 1,858 |
| Pretax return on assets | 1.1443% | 2,999 |
| Return on Equity (ROE) | 13.4366% | 941 |
| Retained earnings to average equity (ytd only) | -2.6006% | 5,389 |
| Net charge-offs to loans | 0.0270% | 2,677 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 74.2000% | 810 |
| Efficiency ratio | 66.3949% | 3,287 |
| Assets per employee ($millions) | 4.4962% | 3,113 |
| Cash dividends to net income (ytd only)* | 119.3548% | 293 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0069% | 4,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 63.7474% | 3,424 |
| Net loans and leases to deposits | 70.6772% | 3,858 |
| Net loans and leases to core deposits | 72.1958% | 4,079 |
| Total domestic deposits to total assets | 90.1952% | 470 |
| Equity capital to assets | 8.6243% | 5,205 |
| Core capital (leverage) ratio | 8.7871% | 4,963 |
| Tier 1 risk-based capital ratio | 12.3319% | 4,399 |
| Total risk-based capital ratio | 13.2487% | 4,520 |
| Memoranda: |
| Average total assets | $59,599,330 | 5,065 |
| Average earning assets | $57,804,330 | 5,006 |
| Average equity | $5,075,670 | 5,350 |
| Average total loans | $37,058,000 | 4,898 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6687% | 4,211 |
| Cost of funding earning assets | 0.2738% | 4,318 |
| Net interest margin | 3.3949% | 3,667 |
| Noninterest income to average assets | 0.3324% | 4,172 |
| Noninterest expense to average assets | 2.2535% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3760% | 1,044 |
| Return on assets (ROA) | 1.3760% | 1,080 |
| Pretax return on assets | 1.3760% | 1,968 |
| Return on Equity (ROE) | 16.2576% | 495 |
| Retained earnings to average equity (ytd only) | 3.0630% | 3,882 |
| Net charge-offs to loans | 0.0544% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 41.4000% | 1,015 |
| Efficiency ratio | 62.0879% | 4,137 |
| Assets per employee ($millions) | 4.9543% | 2,500 |
| Cash dividends to net income (ytd only)* | 81.1594% | 958 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9414% | 4,593 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 61.7692% | 3,572 |
| Net loans and leases to deposits | 68.2457% | 3,973 |
| Net loans and leases to core deposits | 69.6765% | 4,170 |
| Total domestic deposits to total assets | 90.5100% | 473 |
| Equity capital to assets | 8.6372% | 5,121 |
| Core capital (leverage) ratio | 8.7551% | 4,997 |
| Tier 1 risk-based capital ratio | 12.6372% | 4,302 |
| Total risk-based capital ratio | 13.4849% | 4,459 |
| Memoranda: |
| Average total assets | $60,173,500 | 5,112 |
| Average earning assets | $58,441,000 | 5,039 |
| Average equity | $5,093,000 | 5,403 |
| Average total loans | $36,767,000 | 4,948 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7106% | 4,181 |
| Cost of funding earning assets | 0.2985% | 4,083 |
| Net interest margin | 3.4121% | 3,778 |
| Noninterest income to average assets | 0.2906% | 4,661 |
| Noninterest expense to average assets | 2.4873% | 4,056 |
| Loan and lease loss provision to assets | 0.0845% | 2,666 |
| Net operating income to assets | 1.0409% | 2,181 |
| Return on assets (ROA) | 1.0510% | 2,237 |
| Pretax return on assets | 1.0510% | 3,292 |
| Return on Equity (ROE) | 12.1641% | 1,196 |
| Retained earnings to average equity (ytd only) | 1.7014% | 4,563 |
| Net charge-offs to loans | 0.0224% | 3,594 |
| Credit loss provision to net charge-offs | 625.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 83.2500% | 695 |
| Efficiency ratio | 68.8494% | 3,099 |
| Assets per employee ($millions) | 5.5359% | 1,837 |
| Cash dividends to net income (ytd only)* | 86.0129% | 710 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9709% | 4,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 59.2955% | 3,925 |
| Net loans and leases to deposits | 65.3054% | 4,306 |
| Net loans and leases to core deposits | 66.6371% | 4,486 |
| Total domestic deposits to total assets | 90.7973% | 347 |
| Equity capital to assets | 8.2946% | 5,424 |
| Core capital (leverage) ratio | 8.6880% | 5,089 |
| Tier 1 risk-based capital ratio | 12.7026% | 4,271 |
| Total risk-based capital ratio | 13.5732% | 4,380 |
| Memoranda: |
| Average total assets | $59,181,200 | 5,160 |
| Average earning assets | $57,619,200 | 5,087 |
| Average equity | $5,113,400 | 5,447 |
| Average total loans | $35,743,200 | 5,022 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7252% | 4,164 |
| Cost of funding earning assets | 0.3005% | 4,094 |
| Net interest margin | 3.4247% | 3,753 |
| Noninterest income to average assets | 0.2882% | 4,711 |
| Noninterest expense to average assets | 2.3374% | 4,440 |
| Loan and lease loss provision to assets | 0.1135% | 2,036 |
| Net operating income to assets | 1.1733% | 1,727 |
| Return on assets (ROA) | 1.1733% | 1,836 |
| Pretax return on assets | 1.1733% | 2,954 |
| Return on Equity (ROE) | 13.4397% | 933 |
| Retained earnings to average equity (ytd only) | 1.3517% | 4,974 |
| Net charge-offs to loans | 0.0337% | 2,963 |
| Credit loss provision to net charge-offs | 555.5556% | 648 |
| Earnings coverage of net charge-offs (x) | 62.9983% | 920 |
| Efficiency ratio | 64.4959% | 3,852 |
| Assets per employee ($millions) | 5.3485% | 2,007 |
| Cash dividends to net income (ytd only)* | 89.9408% | 538 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9605% | 4,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 61.8656% | 3,652 |
| Net loans and leases to deposits | 71.0371% | 3,884 |
| Net loans and leases to core deposits | 72.2412% | 4,142 |
| Total domestic deposits to total assets | 87.0891% | 1,857 |
| Equity capital to assets | 8.8078% | 5,313 |
| Core capital (leverage) ratio | 8.3858% | 5,437 |
| Tier 1 risk-based capital ratio | 12.2236% | 4,658 |
| Total risk-based capital ratio | 13.0647% | 4,804 |
| Memoranda: |
| Average total assets | $58,752,750 | 5,210 |
| Average earning assets | $57,229,750 | 5,142 |
| Average equity | $5,129,000 | 5,503 |
| Average total loans | $35,563,500 | 5,078 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6937% | 4,316 |
| Cost of funding earning assets | 0.3002% | 4,125 |
| Net interest margin | 3.3935% | 3,921 |
| Noninterest income to average assets | 0.2861% | 4,741 |
| Noninterest expense to average assets | 2.2614% | 4,710 |
| Loan and lease loss provision to assets | 0.1703% | 1,304 |
| Net operating income to assets | 1.1647% | 1,722 |
| Return on assets (ROA) | 1.1647% | 1,825 |
| Pretax return on assets | 1.1647% | 2,926 |
| Return on Equity (ROE) | 13.3820% | 947 |
| Retained earnings to average equity (ytd only) | 0.9782% | 4,997 |
| Net charge-offs to loans | 0.0114% | 3,319 |
| Credit loss provision to net charge-offs | 2,500.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 334 |
| Efficiency ratio | 62.8788% | 4,195 |
| Assets per employee ($millions) | 5.4533% | 1,841 |
| Cash dividends to net income (ytd only)* | 92.6901% | 632 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9972% | 4,546 |
| Loan loss allowance to noncurrent loans | 36,000.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,640 |
| Noncurrent loans to loans | 0.0028% | 5,507 |
| Net loans and leases to total assets | 59.5806% | 3,941 |
| Net loans and leases to deposits | 67.3501% | 4,240 |
| Net loans and leases to core deposits | 68.4478% | 4,441 |
| Total domestic deposits to total assets | 88.4640% | 1,186 |
| Equity capital to assets | 8.6287% | 5,521 |
| Core capital (leverage) ratio | 8.6400% | 5,226 |
| Tier 1 risk-based capital ratio | 12.3886% | 4,601 |
| Total risk-based capital ratio | 13.2628% | 4,733 |
| Memoranda: |
| Average total assets | $58,725,670 | 5,271 |
| Average earning assets | $57,286,330 | 5,194 |
| Average equity | $5,111,330 | 5,564 |
| Average total loans | $35,167,670 | 5,132 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6490% | 4,477 |
| Cost of funding earning assets | 0.3035% | 4,123 |
| Net interest margin | 3.3455% | 4,062 |
| Noninterest income to average assets | 0.2616% | 4,857 |
| Noninterest expense to average assets | 2.2584% | 4,762 |
| Loan and lease loss provision to assets | 0.2066% | 943 |
| Net operating income to assets | 1.0603% | 2,050 |
| Return on assets (ROA) | 1.0603% | 2,159 |
| Pretax return on assets | 1.0603% | 3,242 |
| Return on Equity (ROE) | 12.1284% | 1,278 |
| Retained earnings to average equity (ytd only) | 4.4891% | 3,243 |
| Net charge-offs to loans | 0.0115% | 2,741 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 330 |
| Efficiency ratio | 64.0625% | 4,113 |
| Assets per employee ($millions) | 5.2487% | 2,082 |
| Cash dividends to net income (ytd only)* | 62.9870% | 1,367 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9775% | 4,722 |
| Loan loss allowance to noncurrent loans | 431.6456% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,920 |
| Noncurrent loans to loans | 0.2265% | 4,616 |
| Net loans and leases to total assets | 59.8292% | 3,800 |
| Net loans and leases to deposits | 68.0087% | 4,057 |
| Net loans and leases to core deposits | 69.1095% | 4,307 |
| Total domestic deposits to total assets | 87.9728% | 1,656 |
| Equity capital to assets | 8.9979% | 5,171 |
| Core capital (leverage) ratio | 8.8531% | 5,024 |
| Tier 1 risk-based capital ratio | 13.0238% | 4,254 |
| Total risk-based capital ratio | 13.8889% | 4,404 |
| Memoranda: |
| Average total assets | $58,095,500 | 5,336 |
| Average earning assets | $56,673,500 | 5,244 |
| Average equity | $5,079,000 | 5,613 |
| Average total loans | $34,701,500 | 5,189 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4480% | 5,047 |
| Cost of funding earning assets | 0.2830% | 4,446 |
| Net interest margin | 3.1650% | 4,736 |
| Noninterest income to average assets | 0.2557% | 5,063 |
| Noninterest expense to average assets | 2.4291% | 4,440 |
| Loan and lease loss provision to assets | 0.0983% | 2,347 |
| Net operating income to assets | 0.8081% | 3,310 |
| Return on assets (ROA) | 0.8081% | 3,384 |
| Pretax return on assets | 0.8081% | 4,162 |
| Return on Equity (ROE) | 9.9151% | 2,040 |
| Retained earnings to average equity (ytd only) | 2.0715% | 4,549 |
| Net charge-offs to loans | 0.0266% | 3,699 |
| Credit loss provision to net charge-offs | 666.6667% | 501 |
| Earnings coverage of net charge-offs (x) | 61.4444% | 854 |
| Efficiency ratio | 72.8256% | 2,767 |
| Assets per employee ($millions) | 5.3141% | 1,992 |
| Cash dividends to net income (ytd only)* | 79.1075% | 894 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9039% | 5,069 |
| Loan loss allowance to noncurrent loans | 611.7647% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,137 |
| Noncurrent loans to loans | 0.1477% | 4,903 |
| Net loans and leases to total assets | 58.5185% | 4,015 |
| Net loans and leases to deposits | 66.0890% | 4,311 |
| Net loans and leases to core deposits | 67.1371% | 4,498 |
| Total domestic deposits to total assets | 88.5450% | 1,355 |
| Equity capital to assets | 8.4903% | 5,570 |
| Core capital (leverage) ratio | 8.7407% | 5,175 |
| Tier 1 risk-based capital ratio | 12.9373% | 4,367 |
| Total risk-based capital ratio | 13.7321% | 4,534 |
| Memoranda: |
| Average total assets | $61,011,000 | 5,295 |
| Average earning assets | $59,367,800 | 5,201 |
| Average equity | $4,972,200 | 5,662 |
| Average total loans | $33,785,000 | 5,234 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4146% | 5,175 |
| Cost of funding earning assets | 0.2781% | 4,584 |
| Net interest margin | 3.1366% | 4,860 |
| Noninterest income to average assets | 0.2595% | 5,084 |
| Noninterest expense to average assets | 2.2773% | 4,839 |
| Loan and lease loss provision to assets | 0.1081% | 2,076 |
| Net operating income to assets | 0.9235% | 2,839 |
| Return on assets (ROA) | 0.9235% | 2,930 |
| Pretax return on assets | 0.9235% | 3,906 |
| Return on Equity (ROE) | 11.4448% | 1,554 |
| Retained earnings to average equity (ytd only) | 2.3319% | 4,722 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8235% | 3,404 |
| Assets per employee ($millions) | 5.2443% | 2,012 |
| Cash dividends to net income (ytd only)* | 79.6248% | 745 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9104% | 5,169 |
| Loan loss allowance to noncurrent loans | 464.1791% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 5,283 |
| Noncurrent loans to loans | 0.1961% | 4,861 |
| Net loans and leases to total assets | 58.6770% | 4,058 |
| Net loans and leases to deposits | 69.2789% | 4,065 |
| Net loans and leases to core deposits | 70.4424% | 4,327 |
| Total domestic deposits to total assets | 84.6967% | 3,132 |
| Equity capital to assets | 8.8339% | 5,456 |
| Core capital (leverage) ratio | 8.2268% | 5,756 |
| Tier 1 risk-based capital ratio | 13.0166% | 4,419 |
| Total risk-based capital ratio | 13.8110% | 4,614 |
| Memoranda: |
| Average total assets | $61,650,000 | 5,348 |
| Average earning assets | $59,936,500 | 5,251 |
| Average equity | $4,974,500 | 5,731 |
| Average total loans | $33,601,500 | 5,299 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3504% | 5,336 |
| Cost of funding earning assets | 0.2642% | 4,782 |
| Net interest margin | 3.0861% | 4,997 |
| Noninterest income to average assets | 0.2541% | 5,129 |
| Noninterest expense to average assets | 2.2487% | 4,980 |
| Loan and lease loss provision to assets | 0.0476% | 3,168 |
| Net operating income to assets | 0.9623% | 2,574 |
| Return on assets (ROA) | 0.9623% | 2,686 |
| Pretax return on assets | 0.9623% | 3,730 |
| Return on Equity (ROE) | 12.2821% | 1,288 |
| Retained earnings to average equity (ytd only) | 3.5671% | 3,757 |
| Net charge-offs to loans | -0.0060% | 4,785 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0058% | 3,492 |
| Assets per employee ($millions) | 5.2150% | 2,028 |
| Cash dividends to net income (ytd only)* | 70.9571% | 1,168 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8019% | 5,600 |
| Loan loss allowance to noncurrent loans | 602.1739% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 5,571 |
| Noncurrent loans to loans | 0.1332% | 5,214 |
| Net loans and leases to total assets | 54.7587% | 4,476 |
| Net loans and leases to deposits | 64.6712% | 4,472 |
| Net loans and leases to core deposits | 66.0486% | 4,650 |
| Total domestic deposits to total assets | 84.6724% | 3,262 |
| Equity capital to assets | 8.0409% | 5,969 |
| Core capital (leverage) ratio | 8.0168% | 5,922 |
| Tier 1 risk-based capital ratio | 12.3633% | 4,901 |
| Total risk-based capital ratio | 13.0439% | 5,192 |
| Memoranda: |
| Average total assets | $62,971,000 | 5,373 |
| Average earning assets | $61,306,670 | 5,268 |
| Average equity | $4,934,000 | 5,794 |
| Average total loans | $33,415,330 | 5,347 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2835% | 5,482 |
| Cost of funding earning assets | 0.2536% | 4,984 |
| Net interest margin | 3.0299% | 5,126 |
| Noninterest income to average assets | 0.2470% | 5,189 |
| Noninterest expense to average assets | 2.2037% | 5,131 |
| Loan and lease loss provision to assets | 0.0317% | 3,258 |
| Net operating income to assets | 0.9625% | 2,432 |
| Return on assets (ROA) | 0.9625% | 2,567 |
| Pretax return on assets | 0.9625% | 3,638 |
| Return on Equity (ROE) | 12.4463% | 1,232 |
| Retained earnings to average equity (ytd only) | 8.3521% | 1,434 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9109% | 3,677 |
| Assets per employee ($millions) | 5.7465% | 1,595 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,261 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8158% | 5,657 |
| Loan loss allowance to noncurrent loans | 141.4894% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 4,783 |
| Noncurrent loans to loans | 0.5765% | 3,854 |
| Net loans and leases to total assets | 51.1651% | 4,735 |
| Net loans and leases to deposits | 58.6905% | 4,861 |
| Net loans and leases to core deposits | 59.8904% | 4,997 |
| Total domestic deposits to total assets | 87.1779% | 2,277 |
| Equity capital to assets | 7.9749% | 6,044 |
| Core capital (leverage) ratio | 8.1157% | 5,872 |
| Tier 1 risk-based capital ratio | 13.0887% | 4,558 |
| Total risk-based capital ratio | 13.7794% | 4,798 |
| Memoranda: |
| Average total assets | $63,166,500 | 5,422 |
| Average earning assets | $61,520,500 | 5,310 |
| Average equity | $4,885,000 | 5,859 |
| Average total loans | $32,850,500 | 5,406 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3329% | 5,655 |
| Cost of funding earning assets | 0.2312% | 5,509 |
| Net interest margin | 3.1016% | 5,203 |
| Noninterest income to average assets | 0.2580% | 5,283 |
| Noninterest expense to average assets | 2.4417% | 4,722 |
| Loan and lease loss provision to assets | 0.0817% | 2,848 |
| Net operating income to assets | 0.7578% | 3,585 |
| Return on assets (ROA) | 0.7578% | 3,688 |
| Pretax return on assets | 0.7578% | 4,412 |
| Return on Equity (ROE) | 9.9884% | 2,133 |
| Retained earnings to average equity (ytd only) | 1.5499% | 5,055 |
| Net charge-offs to loans | 0.2677% | 1,614 |
| Credit loss provision to net charge-offs | 58.1395% | 3,321 |
| Earnings coverage of net charge-offs (x) | 5.9767% | 3,303 |
| Efficiency ratio | 74.4151% | 2,763 |
| Assets per employee ($millions) | 5.2602% | 2,002 |
| Cash dividends to net income (ytd only)* | 84.4828% | 749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7887% | 5,807 |
| Loan loss allowance to noncurrent loans | 135.2332% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 4,811 |
| Noncurrent loans to loans | 0.5832% | 3,920 |
| Net loans and leases to total assets | 52.0136% | 4,782 |
| Net loans and leases to deposits | 61.0306% | 4,802 |
| Net loans and leases to core deposits | 62.3081% | 4,979 |
| Total domestic deposits to total assets | 85.2254% | 3,198 |
| Equity capital to assets | 7.4918% | 6,236 |
| Core capital (leverage) ratio | 8.0641% | 5,954 |
| Tier 1 risk-based capital ratio | 12.9434% | 4,756 |
| Total risk-based capital ratio | 13.6225% | 5,034 |
| Memoranda: |
| Average total assets | $61,228,600 | 5,518 |
| Average earning assets | $59,678,600 | 5,398 |
| Average equity | $4,645,400 | 5,945 |
| Average total loans | $32,123,600 | 5,482 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3276% | 5,718 |
| Cost of funding earning assets | 0.2250% | 5,628 |
| Net interest margin | 3.1026% | 5,251 |
| Noninterest income to average assets | 0.2611% | 5,345 |
| Noninterest expense to average assets | 2.3328% | 5,018 |
| Loan and lease loss provision to assets | 0.0878% | 2,596 |
| Net operating income to assets | 0.8668% | 3,091 |
| Return on assets (ROA) | 0.8668% | 3,177 |
| Pretax return on assets | 0.8668% | 4,117 |
| Return on Equity (ROE) | 11.3883% | 1,664 |
| Retained earnings to average equity (ytd only) | 1.5279% | 5,283 |
| Net charge-offs to loans | 0.0125% | 4,306 |
| Credit loss provision to net charge-offs | 1,333.3333% | 259 |
| Earnings coverage of net charge-offs (x) | 144.9975% | 426 |
| Efficiency ratio | 70.9613% | 3,346 |
| Assets per employee ($millions) | 5.5652% | 1,665 |
| Cash dividends to net income (ytd only)* | 86.5831% | 594 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0305% | 5,074 |
| Loan loss allowance to noncurrent loans | 85.6410% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 3,925 |
| Noncurrent loans to loans | 1.2032% | 2,639 |
| Net loans and leases to total assets | 52.4021% | 4,760 |
| Net loans and leases to deposits | 61.2885% | 4,817 |
| Net loans and leases to core deposits | 62.6066% | 4,995 |
| Total domestic deposits to total assets | 85.5008% | 3,113 |
| Equity capital to assets | 7.7478% | 6,228 |
| Core capital (leverage) ratio | 8.1100% | 6,000 |
| Tier 1 risk-based capital ratio | 13.2294% | 4,709 |
| Total risk-based capital ratio | 14.1210% | 4,854 |
| Memoranda: |
| Average total assets | $60,755,250 | 5,592 |
| Average earning assets | $59,260,000 | 5,473 |
| Average equity | $4,624,500 | 6,010 |
| Average total loans | $31,881,250 | 5,544 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3403% | 5,733 |
| Cost of funding earning assets | 0.2164% | 5,785 |
| Net interest margin | 3.1239% | 5,177 |
| Noninterest income to average assets | 0.2475% | 5,430 |
| Noninterest expense to average assets | 2.2409% | 5,309 |
| Loan and lease loss provision to assets | 0.0660% | 2,947 |
| Net operating income to assets | 0.9901% | 2,362 |
| Return on assets (ROA) | 0.9901% | 2,441 |
| Pretax return on assets | 0.9901% | 3,517 |
| Return on Equity (ROE) | 13.0862% | 1,153 |
| Retained earnings to average equity (ytd only) | 2.5300% | 4,589 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9680% | 4,016 |
| Assets per employee ($millions) | 5.4512% | 1,738 |
| Cash dividends to net income (ytd only)* | 80.6667% | 881 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0045% | 5,327 |
| Loan loss allowance to noncurrent loans | 293.5185% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 5,597 |
| Noncurrent loans to loans | 0.3422% | 4,984 |
| Net loans and leases to total assets | 52.1021% | 4,737 |
| Net loans and leases to deposits | 57.3995% | 5,090 |
| Net loans and leases to core deposits | 58.5846% | 5,228 |
| Total domestic deposits to total assets | 90.7710% | 481 |
| Equity capital to assets | 8.0366% | 6,134 |
| Core capital (leverage) ratio | 8.2370% | 5,899 |
| Tier 1 risk-based capital ratio | 13.6125% | 4,514 |
| Total risk-based capital ratio | 14.4825% | 4,700 |
| Memoranda: |
| Average total assets | $60,601,330 | 5,640 |
| Average earning assets | $59,156,330 | 5,528 |
| Average equity | $4,585,000 | 6,067 |
| Average total loans | $31,704,000 | 5,596 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2373% | 5,951 |
| Cost of funding earning assets | 0.2149% | 5,885 |
| Net interest margin | 3.0224% | 5,475 |
| Noninterest income to average assets | 0.2626% | 5,262 |
| Noninterest expense to average assets | 2.1996% | 5,466 |
| Loan and lease loss provision to assets | 0.0657% | 2,811 |
| Net operating income to assets | 0.9521% | 2,397 |
| Return on assets (ROA) | 0.9521% | 2,469 |
| Pretax return on assets | 0.9521% | 3,502 |
| Return on Equity (ROE) | 12.9812% | 1,166 |
| Retained earnings to average equity (ytd only) | 6.8039% | 2,145 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3673% | 4,120 |
| Assets per employee ($millions) | 5.4465% | 1,753 |
| Cash dividends to net income (ytd only)* | 47.5862% | 1,765 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9822% | 5,594 |
| Loan loss allowance to noncurrent loans | 216.1972% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.2370% | 5,490 |
| Noncurrent loans to loans | 0.4543% | 4,791 |
| Net loans and leases to total assets | 51.6558% | 4,714 |
| Net loans and leases to deposits | 56.5653% | 5,067 |
| Net loans and leases to core deposits | 57.1788% | 5,270 |
| Total domestic deposits to total assets | 91.3206% | 443 |
| Equity capital to assets | 7.6512% | 6,249 |
| Core capital (leverage) ratio | 8.2923% | 5,853 |
| Tier 1 risk-based capital ratio | 13.8379% | 4,444 |
| Total risk-based capital ratio | 14.6911% | 4,668 |
| Memoranda: |
| Average total assets | $60,920,500 | 5,686 |
| Average earning assets | $59,556,000 | 5,568 |
| Average equity | $4,468,000 | 6,143 |
| Average total loans | $31,776,500 | 5,636 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4404% | 5,756 |
| Cost of funding earning assets | 0.2712% | 5,822 |
| Net interest margin | 3.1692% | 5,093 |
| Noninterest income to average assets | 0.2533% | 5,533 |
| Noninterest expense to average assets | 2.4047% | 5,055 |
| Loan and lease loss provision to assets | 0.0333% | 4,452 |
| Net operating income to assets | 0.9116% | 2,720 |
| Return on assets (ROA) | 0.9116% | 2,809 |
| Pretax return on assets | 0.9116% | 3,721 |
| Return on Equity (ROE) | 12.1723% | 1,367 |
| Retained earnings to average equity (ytd only) | 4.7176% | 2,801 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7910% | 3,512 |
| Assets per employee ($millions) | 5.6299% | 1,538 |
| Cash dividends to net income (ytd only)* | 61.2431% | 1,706 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9196% | 5,862 |
| Loan loss allowance to noncurrent loans | 2,121.4286% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 6,333 |
| Noncurrent loans to loans | 0.0433% | 6,109 |
| Net loans and leases to total assets | 51.6737% | 4,898 |
| Net loans and leases to deposits | 56.1214% | 5,291 |
| Net loans and leases to core deposits | 56.7052% | 5,482 |
| Total domestic deposits to total assets | 92.0748% | 268 |
| Equity capital to assets | 7.0274% | 6,451 |
| Core capital (leverage) ratio | 8.1074% | 6,047 |
| Tier 1 risk-based capital ratio | 13.2788% | 4,802 |
| Total risk-based capital ratio | 14.0833% | 5,038 |
| Memoranda: |
| Average total assets | $60,007,200 | 5,753 |
| Average earning assets | $58,627,400 | 5,637 |
| Average equity | $4,493,800 | 6,205 |
| Average total loans | $31,677,800 | 5,682 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4676% | 5,758 |
| Cost of funding earning assets | 0.2844% | 5,854 |
| Net interest margin | 3.1832% | 5,048 |
| Noninterest income to average assets | 0.2464% | 5,674 |
| Noninterest expense to average assets | 2.2914% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0639% | 2,137 |
| Return on assets (ROA) | 1.0639% | 2,224 |
| Pretax return on assets | 1.0639% | 3,252 |
| Return on Equity (ROE) | 13.9829% | 1,002 |
| Retained earnings to average equity (ytd only) | 4.1212% | 3,748 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2911% | 4,044 |
| Assets per employee ($millions) | 5.5330% | 1,590 |
| Cash dividends to net income (ytd only)* | 70.5267% | 1,064 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8731% | 6,125 |
| Loan loss allowance to noncurrent loans | 1,978.5714% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 6,417 |
| Noncurrent loans to loans | 0.0441% | 6,212 |
| Net loans and leases to total assets | 51.6701% | 4,915 |
| Net loans and leases to deposits | 57.0382% | 5,276 |
| Net loans and leases to core deposits | 57.6520% | 5,476 |
| Total domestic deposits to total assets | 90.5887% | 708 |
| Equity capital to assets | 7.1981% | 6,494 |
| Core capital (leverage) ratio | 8.0019% | 6,222 |
| Tier 1 risk-based capital ratio | 13.2966% | 4,905 |
| Total risk-based capital ratio | 14.0592% | 5,190 |
| Memoranda: |
| Average total assets | $59,526,750 | 5,834 |
| Average earning assets | $58,136,750 | 5,710 |
| Average equity | $4,529,250 | 6,277 |
| Average total loans | $31,522,750 | 5,744 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4876% | 5,723 |
| Cost of funding earning assets | 0.3013% | 5,819 |
| Net interest margin | 3.1863% | 4,989 |
| Noninterest income to average assets | 0.2302% | 5,800 |
| Noninterest expense to average assets | 2.2918% | 5,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0528% | 2,105 |
| Return on assets (ROA) | 1.0528% | 2,226 |
| Pretax return on assets | 1.0528% | 3,285 |
| Return on Equity (ROE) | 13.5847% | 1,109 |
| Retained earnings to average equity (ytd only) | 2.0093% | 4,993 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5223% | 4,093 |
| Assets per employee ($millions) | 5.5262% | 1,561 |
| Cash dividends to net income (ytd only)* | 85.2090% | 781 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8529% | 6,246 |
| Loan loss allowance to noncurrent loans | 1,846.6667% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,463 |
| Noncurrent loans to loans | 0.0462% | 6,254 |
| Net loans and leases to total assets | 52.9743% | 4,742 |
| Net loans and leases to deposits | 57.8247% | 5,173 |
| Net loans and leases to core deposits | 59.0462% | 5,343 |
| Total domestic deposits to total assets | 91.6118% | 338 |
| Equity capital to assets | 6.9520% | 6,614 |
| Core capital (leverage) ratio | 7.8127% | 6,298 |
| Tier 1 risk-based capital ratio | 12.8302% | 5,271 |
| Total risk-based capital ratio | 13.5806% | 5,555 |
| Memoranda: |
| Average total assets | $59,081,330 | 5,873 |
| Average earning assets | $57,747,330 | 5,755 |
| Average equity | $4,578,670 | 6,310 |
| Average total loans | $31,455,330 | 5,780 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4868% | 5,740 |
| Cost of funding earning assets | 0.3093% | 5,899 |
| Net interest margin | 3.1775% | 5,007 |
| Noninterest income to average assets | 0.2404% | 5,739 |
| Noninterest expense to average assets | 2.3219% | 5,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0236% | 2,131 |
| Return on assets (ROA) | 1.0236% | 2,245 |
| Pretax return on assets | 1.0236% | 3,250 |
| Return on Equity (ROE) | 12.5342% | 1,284 |
| Retained earnings to average equity (ytd only) | -0.4206% | 5,862 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4045% | 4,075 |
| Assets per employee ($millions) | 5.4346% | 1,726 |
| Cash dividends to net income (ytd only)* | 103.3557% | 612 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9129% | 6,231 |
| Loan loss allowance to noncurrent loans | 1,731.2500% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 6,532 |
| Noncurrent loans to loans | 0.0527% | 6,315 |
| Net loans and leases to total assets | 50.2952% | 4,946 |
| Net loans and leases to deposits | 54.7449% | 5,378 |
| Net loans and leases to core deposits | 55.9136% | 5,527 |
| Total domestic deposits to total assets | 91.8720% | 269 |
| Equity capital to assets | 7.9423% | 6,415 |
| Core capital (leverage) ratio | 8.0797% | 6,069 |
| Tier 1 risk-based capital ratio | 13.2863% | 5,023 |
| Total risk-based capital ratio | 14.0718% | 5,304 |
| Memoranda: |
| Average total assets | $58,228,000 | 5,961 |
| Average earning assets | $56,900,000 | 5,829 |
| Average equity | $4,755,000 | 6,317 |
| Average total loans | $30,943,500 | 5,847 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0036% | 5,289 |
| Cost of funding earning assets | 0.4246% | 5,756 |
| Net interest margin | 3.5790% | 4,188 |
| Noninterest income to average assets | 0.2673% | 5,547 |
| Noninterest expense to average assets | 2.8245% | 3,928 |
| Loan and lease loss provision to assets | 0.1028% | 4,357 |
| Net operating income to assets | 0.8225% | 3,172 |
| Return on assets (ROA) | 0.8225% | 3,428 |
| Pretax return on assets | 0.8225% | 4,218 |
| Return on Equity (ROE) | 9.7186% | 2,301 |
| Retained earnings to average equity (ytd only) | 2.1204% | 4,736 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3240% | 2,858 |
| Assets per employee ($millions) | 5.1523% | 2,043 |
| Cash dividends to net income (ytd only)* | 78.1818% | 1,066 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8782% | 6,316 |
| Loan loss allowance to noncurrent loans | 1,629.4118% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 6,584 |
| Noncurrent loans to loans | 0.0539% | 6,362 |
| Net loans and leases to total assets | 55.1672% | 4,428 |
| Net loans and leases to deposits | 60.3451% | 4,991 |
| Net loans and leases to core deposits | 61.7076% | 5,188 |
| Total domestic deposits to total assets | 91.4195% | 359 |
| Equity capital to assets | 8.4023% | 6,120 |
| Core capital (leverage) ratio | 8.5498% | 5,541 |
| Tier 1 risk-based capital ratio | 13.2213% | 4,947 |
| Total risk-based capital ratio | 14.0022% | 5,228 |
| Memoranda: |
| Average total assets | $53,496,800 | 6,104 |
| Average earning assets | $52,053,200 | 5,980 |
| Average equity | $4,527,400 | 6,436 |
| Average total loans | $30,052,200 | 5,945 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0620% | 5,320 |
| Cost of funding earning assets | 0.4554% | 5,756 |
| Net interest margin | 3.6066% | 4,211 |
| Noninterest income to average assets | 0.2656% | 5,654 |
| Noninterest expense to average assets | 2.7626% | 4,118 |
| Loan and lease loss provision to assets | 0.1265% | 3,968 |
| Net operating income to assets | 0.8829% | 3,062 |
| Return on assets (ROA) | 0.8829% | 3,305 |
| Pretax return on assets | 0.8829% | 4,182 |
| Return on Equity (ROE) | 10.4128% | 2,171 |
| Retained earnings to average equity (ytd only) | 3.1329% | 4,668 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2394% | 3,113 |
| Assets per employee ($millions) | 4.5172% | 2,886 |
| Cash dividends to net income (ytd only)* | 69.9153% | 926 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8895% | 6,407 |
| Loan loss allowance to noncurrent loans | 1,431.5789% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 6,682 |
| Noncurrent loans to loans | 0.0621% | 6,463 |
| Net loans and leases to total assets | 55.9089% | 4,470 |
| Net loans and leases to deposits | 61.4813% | 5,028 |
| Net loans and leases to core deposits | 62.9421% | 5,268 |
| Total domestic deposits to total assets | 90.9364% | 432 |
| Equity capital to assets | 8.8736% | 5,953 |
| Core capital (leverage) ratio | 8.9625% | 5,120 |
| Tier 1 risk-based capital ratio | 13.6098% | 4,803 |
| Total risk-based capital ratio | 14.3974% | 5,097 |
| Memoranda: |
| Average total assets | $52,702,250 | 6,198 |
| Average earning assets | $51,238,250 | 6,077 |
| Average equity | $4,468,750 | 6,520 |
| Average total loans | $29,679,500 | 6,042 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0688% | 5,422 |
| Cost of funding earning assets | 0.4963% | 5,650 |
| Net interest margin | 3.5725% | 4,377 |
| Noninterest income to average assets | 0.2490% | 5,798 |
| Noninterest expense to average assets | 2.8045% | 4,004 |
| Loan and lease loss provision to assets | 0.1916% | 3,176 |
| Net operating income to assets | 0.7280% | 3,714 |
| Return on assets (ROA) | 0.7280% | 3,992 |
| Pretax return on assets | 0.7280% | 4,744 |
| Return on Equity (ROE) | 8.7256% | 2,924 |
| Retained earnings to average equity (ytd only) | 3.9036% | 4,013 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3086% | 2,847 |
| Assets per employee ($millions) | 4.2793% | 3,287 |
| Cash dividends to net income (ytd only)* | 55.2632% | 1,533 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8852% | 6,497 |
| Loan loss allowance to noncurrent loans | 1,360.0000% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 6,733 |
| Noncurrent loans to loans | 0.0651% | 6,505 |
| Net loans and leases to total assets | 59.3044% | 3,941 |
| Net loans and leases to deposits | 65.5305% | 4,568 |
| Net loans and leases to core deposits | 67.1844% | 4,877 |
| Total domestic deposits to total assets | 90.4989% | 665 |
| Equity capital to assets | 9.3258% | 5,287 |
| Core capital (leverage) ratio | 9.1310% | 4,718 |
| Tier 1 risk-based capital ratio | 13.6814% | 4,688 |
| Total risk-based capital ratio | 14.4766% | 4,993 |
| Memoranda: |
| Average total assets | $52,201,000 | 6,259 |
| Average earning assets | $50,776,330 | 6,126 |
| Average equity | $4,355,000 | 6,584 |
| Average total loans | $29,380,000 | 6,096 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8834% | 6,054 |
| Cost of funding earning assets | 0.5548% | 5,467 |
| Net interest margin | 3.3286% | 5,372 |
| Noninterest income to average assets | 0.2508% | 5,848 |
| Noninterest expense to average assets | 2.6983% | 4,429 |
| Loan and lease loss provision to assets | 0.2280% | 2,667 |
| Net operating income to assets | 0.5625% | 4,536 |
| Return on assets (ROA) | 0.5625% | 4,754 |
| Pretax return on assets | 0.5625% | 5,231 |
| Return on Equity (ROE) | 7.1532% | 3,688 |
| Retained earnings to average equity (ytd only) | 4.5433% | 3,857 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3420% | 2,597 |
| Assets per employee ($millions) | 4.3430% | 3,314 |
| Cash dividends to net income (ytd only)* | 36.4865% | 1,875 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8706% | 6,612 |
| Loan loss allowance to noncurrent loans | 1,260.0000% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 6,454 |
| Noncurrent loans to loans | 0.0691% | 6,581 |
| Net loans and leases to total assets | 55.0560% | 4,546 |
| Net loans and leases to deposits | 60.6054% | 5,080 |
| Net loans and leases to core deposits | 61.6974% | 5,360 |
| Total domestic deposits to total assets | 90.8435% | 621 |
| Equity capital to assets | 8.8898% | 5,651 |
| Core capital (leverage) ratio | 9.0549% | 4,757 |
| Tier 1 risk-based capital ratio | 14.1957% | 4,323 |
| Total risk-based capital ratio | 14.9664% | 4,654 |
| Memoranda: |
| Average total assets | $52,625,500 | 6,284 |
| Average earning assets | $51,192,500 | 6,148 |
| Average equity | $4,138,000 | 6,683 |
| Average total loans | $28,707,000 | 6,175 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2991% | 5,764 |
| Cost of funding earning assets | 0.7521% | 5,198 |
| Net interest margin | 3.5470% | 4,951 |
| Noninterest income to average assets | 0.2864% | 5,487 |
| Noninterest expense to average assets | 2.8370% | 4,209 |
| Loan and lease loss provision to assets | 0.0726% | 5,702 |
| Net operating income to assets | 0.7928% | 3,068 |
| Return on assets (ROA) | 0.7928% | 3,233 |
| Pretax return on assets | 0.7928% | 4,005 |
| Return on Equity (ROE) | 11.6762% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.6762% | 332 |
| Net charge-offs to loans | 0.2710% | 4,080 |
| Credit loss provision to net charge-offs | 46.0526% | 5,512 |
| Earnings coverage of net charge-offs (x) | 5.4868% | 2,777 |
| Efficiency ratio | 76.6256% | 2,809 |
| Assets per employee ($millions) | 4.4279% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7798% | 6,783 |
| Loan loss allowance to noncurrent loans | 1,057.1429% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 6,523 |
| Noncurrent loans to loans | 0.0738% | 6,633 |
| Net loans and leases to total assets | 53.1608% | 5,148 |
| Net loans and leases to deposits | 57.2520% | 5,775 |
| Net loans and leases to core deposits | 57.9414% | 6,002 |
| Total domestic deposits to total assets | 92.8541% | 142 |
| Equity capital to assets | 6.8561% | 6,996 |
| Core capital (leverage) ratio | 7.2532% | 6,765 |
| Tier 1 risk-based capital ratio | 11.2319% | 6,329 |
| Total risk-based capital ratio | 11.9255% | 6,589 |
| Memoranda: |
| Average total assets | $48,185,000 | 6,417 |
| Average earning assets | $46,405,000 | 6,315 |
| Average equity | $3,271,600 | 6,942 |
| Average total loans | $28,045,200 | 6,247 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4503% | 5,429 |
| Cost of funding earning assets | 0.7866% | 5,239 |
| Net interest margin | 3.6637% | 4,507 |
| Noninterest income to average assets | 0.2954% | 5,496 |
| Noninterest expense to average assets | 2.8059% | 4,321 |
| Loan and lease loss provision to assets | 0.0994% | 5,215 |
| Net operating income to assets | 0.9088% | 2,706 |
| Return on assets (ROA) | 0.9088% | 2,846 |
| Pretax return on assets | 0.9088% | 3,728 |
| Return on Equity (ROE) | 13.4223% | 1,176 |
| Retained earnings to average equity (ytd only) | 13.4223% | 338 |
| Net charge-offs to loans | 0.3627% | 3,273 |
| Credit loss provision to net charge-offs | 46.0526% | 5,119 |
| Earnings coverage of net charge-offs (x) | 4.6711% | 2,990 |
| Efficiency ratio | 73.5666% | 3,263 |
| Assets per employee ($millions) | 4.3563% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7640% | 6,872 |
| Loan loss allowance to noncurrent loans | 418.8679% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 6,571 |
| Noncurrent loans to loans | 0.1824% | 6,509 |
| Net loans and leases to total assets | 60.1765% | 4,099 |
| Net loans and leases to deposits | 65.2280% | 5,022 |
| Net loans and leases to core deposits | 66.1058% | 5,405 |
| Total domestic deposits to total assets | 92.2557% | 182 |
| Equity capital to assets | 7.4104% | 6,951 |
| Core capital (leverage) ratio | 7.2709% | 6,873 |
| Tier 1 risk-based capital ratio | 11.0867% | 6,490 |
| Total risk-based capital ratio | 11.7835% | 6,750 |
| Memoranda: |
| Average total assets | $46,947,500 | 6,512 |
| Average earning assets | $45,090,000 | 6,419 |
| Average equity | $3,178,750 | 7,030 |
| Average total loans | $27,939,250 | 6,308 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4089% | 5,657 |
| Cost of funding earning assets | 0.7923% | 5,431 |
| Net interest margin | 3.6166% | 4,658 |
| Noninterest income to average assets | 0.3003% | 5,486 |
| Noninterest expense to average assets | 2.8312% | 4,306 |
| Loan and lease loss provision to assets | 0.0429% | 5,777 |
| Net operating income to assets | 0.8923% | 2,672 |
| Return on assets (ROA) | 0.8923% | 2,782 |
| Pretax return on assets | 0.8923% | 3,644 |
| Return on Equity (ROE) | 13.6185% | 1,066 |
| Retained earnings to average equity (ytd only) | 13.6185% | 346 |
| Net charge-offs to loans | 0.3483% | 3,159 |
| Credit loss provision to net charge-offs | 20.8333% | 5,120 |
| Earnings coverage of net charge-offs (x) | 4.5417% | 2,834 |
| Efficiency ratio | 75.1708% | 3,154 |
| Assets per employee ($millions) | 4.3988% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7995% | 6,866 |
| Loan loss allowance to noncurrent loans | 107.6555% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 6,065 |
| Noncurrent loans to loans | 0.7426% | 5,429 |
| Net loans and leases to total assets | 57.6973% | 4,689 |
| Net loans and leases to deposits | 62.2336% | 5,473 |
| Net loans and leases to core deposits | 63.0587% | 5,803 |
| Total domestic deposits to total assets | 92.7109% | 149 |
| Equity capital to assets | 6.9502% | 7,112 |
| Core capital (leverage) ratio | 7.3916% | 6,814 |
| Tier 1 risk-based capital ratio | 11.0230% | 6,511 |
| Total risk-based capital ratio | 11.7480% | 6,785 |
| Memoranda: |
| Average total assets | $46,623,670 | 6,577 |
| Average earning assets | $44,682,670 | 6,487 |
| Average equity | $3,054,670 | 7,114 |
| Average total loans | $27,566,330 | 6,387 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4676% | 5,459 |
| Cost of funding earning assets | 0.8206% | 5,461 |
| Net interest margin | 3.6471% | 4,340 |
| Noninterest income to average assets | 0.2973% | 5,535 |
| Noninterest expense to average assets | 2.9032% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8920% | 2,605 |
| Return on assets (ROA) | 0.8920% | 2,663 |
| Pretax return on assets | 0.8920% | 3,527 |
| Return on Equity (ROE) | 14.0665% | 980 |
| Retained earnings to average equity (ytd only) | 14.0665% | 468 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4977% | 3,073 |
| Assets per employee ($millions) | 4.1466% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9711% | 6,487 |
| Loan loss allowance to noncurrent loans | 82.7044% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 5,545 |
| Noncurrent loans to loans | 1.1742% | 4,738 |
| Net loans and leases to total assets | 58.7990% | 4,500 |
| Net loans and leases to deposits | 63.0703% | 5,373 |
| Net loans and leases to core deposits | 63.4988% | 5,780 |
| Total domestic deposits to total assets | 93.2278% | 118 |
| Equity capital to assets | 6.4258% | 7,224 |
| Core capital (leverage) ratio | 7.2103% | 6,913 |
| Tier 1 risk-based capital ratio | 11.0899% | 6,441 |
| Total risk-based capital ratio | 11.9698% | 6,662 |
| Memoranda: |
| Average total assets | $45,742,000 | 6,647 |
| Average earning assets | $43,871,000 | 6,565 |
| Average equity | $2,900,500 | 7,197 |
| Average total loans | $27,278,000 | 6,451 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9722% | 4,683 |
| Cost of funding earning assets | 0.9143% | 6,113 |
| Net interest margin | 4.0578% | 2,765 |
| Noninterest income to average assets | 0.3617% | 5,215 |
| Noninterest expense to average assets | 3.1355% | 3,321 |
| Loan and lease loss provision to assets | 0.1550% | 5,652 |
| Net operating income to assets | 0.9489% | 2,207 |
| Return on assets (ROA) | 0.9489% | 2,333 |
| Pretax return on assets | 0.9489% | 3,106 |
| Return on Equity (ROE) | 13.4765% | 989 |
| Retained earnings to average equity (ytd only) | 13.4765% | 186 |
| Net charge-offs to loans | 0.0040% | 6,809 |
| Credit loss provision to net charge-offs | 6,600.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 470.0000% | 45 |
| Efficiency ratio | 73.9612% | 3,405 |
| Assets per employee ($millions) | 4.1701% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9573% | 6,545 |
| Loan loss allowance to noncurrent loans | 150.2857% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 6,320 |
| Noncurrent loans to loans | 0.6370% | 5,775 |
| Net loans and leases to total assets | 59.3185% | 4,786 |
| Net loans and leases to deposits | 63.5228% | 5,678 |
| Net loans and leases to core deposits | 63.9513% | 6,054 |
| Total domestic deposits to total assets | 93.3814% | 118 |
| Equity capital to assets | 6.2567% | 7,301 |
| Core capital (leverage) ratio | 7.0621% | 6,994 |
| Tier 1 risk-based capital ratio | 10.7916% | 6,494 |
| Total risk-based capital ratio | 11.6752% | 6,722 |
| Memoranda: |
| Average total assets | $42,576,600 | 6,781 |
| Average earning assets | $40,686,600 | 6,691 |
| Average equity | $2,997,800 | 7,278 |
| Average total loans | $25,289,800 | 6,655 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0826% | 4,413 |
| Cost of funding earning assets | 0.9354% | 6,247 |
| Net interest margin | 4.1472% | 2,416 |
| Noninterest income to average assets | 0.3608% | 5,278 |
| Noninterest expense to average assets | 3.0528% | 3,561 |
| Loan and lease loss provision to assets | 0.1469% | 5,570 |
| Net operating income to assets | 1.1113% | 1,850 |
| Return on assets (ROA) | 1.1113% | 1,961 |
| Pretax return on assets | 1.1113% | 2,789 |
| Return on Equity (ROE) | 15.3145% | 806 |
| Retained earnings to average equity (ytd only) | 15.3145% | 198 |
| Net charge-offs to loans | 0.0054% | 6,595 |
| Credit loss provision to net charge-offs | 4,600.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 394.9774% | 78 |
| Efficiency ratio | 70.8148% | 3,918 |
| Assets per employee ($millions) | 4.3457% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8754% | 6,818 |
| Loan loss allowance to noncurrent loans | 222.9358% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 6,742 |
| Noncurrent loans to loans | 0.3927% | 6,412 |
| Net loans and leases to total assets | 63.3155% | 4,252 |
| Net loans and leases to deposits | 68.6485% | 5,329 |
| Net loans and leases to core deposits | 69.1436% | 5,832 |
| Total domestic deposits to total assets | 92.2314% | 158 |
| Equity capital to assets | 7.3889% | 7,186 |
| Core capital (leverage) ratio | 7.3996% | 6,940 |
| Tier 1 risk-based capital ratio | 10.6184% | 6,694 |
| Total risk-based capital ratio | 11.4360% | 6,943 |
| Memoranda: |
| Average total assets | $41,753,000 | 6,890 |
| Average earning assets | $39,768,750 | 6,805 |
| Average equity | $3,029,750 | 7,364 |
| Average total loans | $24,744,000 | 6,778 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1138% | 4,382 |
| Cost of funding earning assets | 0.9572% | 6,350 |
| Net interest margin | 4.1566% | 2,304 |
| Noninterest income to average assets | 0.3496% | 5,354 |
| Noninterest expense to average assets | 3.0836% | 3,381 |
| Loan and lease loss provision to assets | 0.1263% | 5,623 |
| Net operating income to assets | 1.0829% | 1,912 |
| Return on assets (ROA) | 1.0829% | 1,984 |
| Pretax return on assets | 1.0829% | 2,833 |
| Return on Equity (ROE) | 15.0202% | 858 |
| Retained earnings to average equity (ytd only) | 15.0202% | 244 |
| Net charge-offs to loans | 0.0084% | 6,241 |
| Credit loss provision to net charge-offs | 2,600.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 249.0000% | 132 |
| Efficiency ratio | 71.8326% | 3,844 |
| Assets per employee ($millions) | 3.8455% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8417% | 6,932 |
| Loan loss allowance to noncurrent loans | 278.7500% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2719% | 6,728 |
| Noncurrent loans to loans | 0.3020% | 6,622 |
| Net loans and leases to total assets | 62.1026% | 4,664 |
| Net loans and leases to deposits | 67.3175% | 5,644 |
| Net loans and leases to core deposits | 67.8163% | 6,071 |
| Total domestic deposits to total assets | 92.2531% | 180 |
| Equity capital to assets | 7.3095% | 7,219 |
| Core capital (leverage) ratio | 7.2583% | 7,027 |
| Tier 1 risk-based capital ratio | 10.7711% | 6,467 |
| Total risk-based capital ratio | 11.5636% | 6,807 |
| Memoranda: |
| Average total assets | $41,185,000 | 6,954 |
| Average earning assets | $39,070,670 | 6,883 |
| Average equity | $2,969,330 | 7,421 |
| Average total loans | $23,739,330 | 6,879 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9020% | 5,454 |
| Cost of funding earning assets | 0.9595% | 6,542 |
| Net interest margin | 3.9424% | 3,140 |
| Noninterest income to average assets | 0.3249% | 5,556 |
| Noninterest expense to average assets | 3.1211% | 3,180 |
| Loan and lease loss provision to assets | 0.2068% | 4,434 |
| Net operating income to assets | 0.7187% | 3,353 |
| Return on assets (ROA) | 0.7187% | 3,465 |
| Pretax return on assets | 0.7187% | 4,171 |
| Return on Equity (ROE) | 10.0413% | 2,086 |
| Retained earnings to average equity (ytd only) | 10.0413% | 1,132 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1290% | 3,041 |
| Assets per employee ($millions) | 3.6662% | 4,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9263% | 6,751 |
| Loan loss allowance to noncurrent loans | 182.5000% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 6,735 |
| Noncurrent loans to loans | 0.5076% | 6,277 |
| Net loans and leases to total assets | 58.0812% | 5,423 |
| Net loans and leases to deposits | 62.9431% | 6,179 |
| Net loans and leases to core deposits | 63.4323% | 6,495 |
| Total domestic deposits to total assets | 92.2758% | 196 |
| Equity capital to assets | 7.2952% | 7,215 |
| Core capital (leverage) ratio | 7.2198% | 7,091 |
| Tier 1 risk-based capital ratio | 11.4795% | 5,692 |
| Total risk-based capital ratio | 12.3521% | 6,029 |
| Memoranda: |
| Average total assets | $40,627,000 | 7,065 |
| Average earning assets | $38,352,000 | 7,006 |
| Average equity | $2,908,000 | 7,521 |
| Average total loans | $22,362,500 | 7,030 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7381% | 7,079 |
| Cost of funding earning assets | 1.1859% | 6,705 |
| Net interest margin | 3.5523% | 4,735 |
| Noninterest income to average assets | 0.4058% | 5,157 |
| Noninterest expense to average assets | 3.4804% | 2,421 |
| Loan and lease loss provision to assets | 0.1512% | 6,153 |
| Net operating income to assets | 0.1033% | 5,206 |
| Return on assets (ROA) | 0.1033% | 5,251 |
| Pretax return on assets | 0.1033% | 5,214 |
| Return on Equity (ROE) | 1.3994% | 5,119 |
| Retained earnings to average equity (ytd only) | -5.4270% | 6,077 |
| Net charge-offs to loans | 0.3787% | 4,314 |
| Credit loss provision to net charge-offs | 75.0000% | 6,395 |
| Earnings coverage of net charge-offs (x) | 1.2625% | 4,866 |
| Efficiency ratio | 93.1849% | 1,472 |
| Assets per employee ($millions) | 3.7205% | 4,475 |
| Cash dividends to net income (ytd only)* | 487.8049% | 57 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9391% | 6,677 |
| Loan loss allowance to noncurrent loans | 159.6774% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 6,684 |
| Noncurrent loans to loans | 0.5882% | 6,063 |
| Net loans and leases to total assets | 51.0311% | 6,523 |
| Net loans and leases to deposits | 55.0808% | 6,980 |
| Net loans and leases to core deposits | 58.8924% | 7,307 |
| Total domestic deposits to total assets | 92.6477% | 160 |
| Equity capital to assets | 7.0224% | 7,357 |
| Core capital (leverage) ratio | 7.0966% | 7,155 |
| Tier 1 risk-based capital ratio | 12.2561% | 4,721 |
| Total risk-based capital ratio | 13.1203% | 5,023 |
| Memoranda: |
| Average total assets | $39,679,000 | 7,108 |
| Average earning assets | $37,187,600 | 7,049 |
| Average equity | $2,929,800 | 7,610 |
| Average total loans | $21,123,000 | 7,130 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7989% | 7,123 |
| Cost of funding earning assets | 1.2060% | 6,868 |
| Net interest margin | 3.5929% | 4,503 |
| Noninterest income to average assets | 0.4268% | 5,075 |
| Noninterest expense to average assets | 3.4241% | 2,497 |
| Loan and lease loss provision to assets | 0.2032% | 5,365 |
| Net operating income to assets | 0.1694% | 5,254 |
| Return on assets (ROA) | 0.1694% | 5,321 |
| Pretax return on assets | 0.1694% | 5,365 |
| Return on Equity (ROE) | 2.2648% | 5,074 |
| Retained earnings to average equity (ytd only) | -6.7941% | 6,483 |
| Net charge-offs to loans | 0.5047% | 3,207 |
| Credit loss provision to net charge-offs | 75.0000% | 5,882 |
| Earnings coverage of net charge-offs (x) | 1.3750% | 4,751 |
| Efficiency ratio | 90.1873% | 1,673 |
| Assets per employee ($millions) | 3.5186% | 4,881 |
| Cash dividends to net income (ytd only)* | 399.9700% | 86 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8959% | 6,768 |
| Loan loss allowance to noncurrent loans | 565.7143% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 7,323 |
| Noncurrent loans to loans | 0.1584% | 7,090 |
| Net loans and leases to total assets | 56.5870% | 6,083 |
| Net loans and leases to deposits | 64.9583% | 6,406 |
| Net loans and leases to core deposits | 69.4971% | 6,994 |
| Total domestic deposits to total assets | 87.1128% | 2,124 |
| Equity capital to assets | 7.5985% | 7,222 |
| Core capital (leverage) ratio | 7.2828% | 7,201 |
| Tier 1 risk-based capital ratio | 12.0036% | 4,976 |
| Total risk-based capital ratio | 12.8473% | 5,282 |
| Memoranda: |
| Average total assets | $39,367,250 | 7,184 |
| Average earning assets | $36,924,000 | 7,116 |
| Average equity | $2,943,750 | 7,676 |
| Average total loans | $21,133,000 | 7,194 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7592% | 7,294 |
| Cost of funding earning assets | 1.2101% | 7,076 |
| Net interest margin | 3.5491% | 4,576 |
| Noninterest income to average assets | 0.3840% | 5,430 |
| Noninterest expense to average assets | 3.5162% | 2,289 |
| Loan and lease loss provision to assets | 0.3031% | 4,140 |
| Net operating income to assets | -0.1162% | 6,039 |
| Return on assets (ROA) | -0.1162% | 6,073 |
| Pretax return on assets | -0.1162% | 6,012 |
| Return on Equity (ROE) | -1.5621% | 6,157 |
| Retained earnings to average equity (ytd only) | -15.1460% | 7,245 |
| Net charge-offs to loans | 0.7784% | 2,123 |
| Credit loss provision to net charge-offs | 74.0741% | 5,337 |
| Earnings coverage of net charge-offs (x) | 0.4568% | 5,245 |
| Efficiency ratio | 94.9523% | 1,443 |
| Assets per employee ($millions) | 3.5048% | 4,808 |
| Cash dividends to net income (ytd only)* | -869.5652% | 8,174 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9434% | 6,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.6508% | 6,501 |
| Net loans and leases to deposits | 58.4889% | 6,991 |
| Net loans and leases to core deposits | 62.5442% | 7,358 |
| Total domestic deposits to total assets | 91.7283% | 263 |
| Equity capital to assets | 7.5014% | 7,262 |
| Core capital (leverage) ratio | 6.8940% | 7,606 |
| Tier 1 risk-based capital ratio | 12.2167% | 4,738 |
| Total risk-based capital ratio | 13.0938% | 4,973 |
| Memoranda: |
| Average total assets | $39,588,000 | 7,227 |
| Average earning assets | $37,023,000 | 7,174 |
| Average equity | $2,944,670 | 7,744 |
| Average total loans | $20,810,670 | 7,278 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7639% | 7,422 |
| Cost of funding earning assets | 1.1910% | 7,320 |
| Net interest margin | 3.5730% | 4,438 |
| Noninterest income to average assets | 0.3690% | 5,472 |
| Noninterest expense to average assets | 3.6205% | 1,819 |
| Loan and lease loss provision to assets | 0.5984% | 2,103 |
| Net operating income to assets | -0.5286% | 6,904 |
| Return on assets (ROA) | -0.5286% | 6,955 |
| Pretax return on assets | -0.5286% | 6,843 |
| Return on Equity (ROE) | -7.1356% | 7,159 |
| Retained earnings to average equity (ytd only) | -34.0626% | 7,903 |
| Net charge-offs to loans | 1.5788% | 919 |
| Credit loss provision to net charge-offs | 73.1707% | 4,294 |
| Earnings coverage of net charge-offs (x) | 0.0854% | 4,915 |
| Efficiency ratio | 98.1081% | 1,211 |
| Assets per employee ($millions) | 3.6233% | 4,519 |
| Cash dividends to net income (ytd only)* | -377.3585% | 8,221 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9655% | 6,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 50.4416% | 6,817 |
| Net loans and leases to deposits | 54.6691% | 7,241 |
| Net loans and leases to core deposits | 58.0470% | 7,524 |
| Total domestic deposits to total assets | 92.2672% | 143 |
| Equity capital to assets | 7.0679% | 7,645 |
| Core capital (leverage) ratio | 6.8974% | 7,697 |
| Tier 1 risk-based capital ratio | 12.0939% | 4,878 |
| Total risk-based capital ratio | 12.9673% | 5,115 |
| Memoranda: |
| Average total assets | $40,105,500 | 7,244 |
| Average earning assets | $37,280,000 | 7,205 |
| Average equity | $2,971,000 | 7,794 |
| Average total loans | $20,775,500 | 7,317 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7848% | 6,487 |
| Cost of funding earning assets | 1.7151% | 7,226 |
| Net interest margin | 4.0697% | 2,833 |
| Noninterest income to average assets | 0.4229% | 5,276 |
| Noninterest expense to average assets | 3.5010% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6986% | 3,896 |
| Return on assets (ROA) | 0.7013% | 3,724 |
| Pretax return on assets | 0.7013% | 4,396 |
| Return on Equity (ROE) | 9.2941% | 2,533 |
| Retained earnings to average equity (ytd only) | 5.8131% | 1,610 |
| Net charge-offs to loans | 0.1395% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 8.8667% | 2,806 |
| Efficiency ratio | 83.3646% | 2,128 |
| Assets per employee ($millions) | 3.6686% | 4,242 |
| Cash dividends to net income (ytd only)* | 37.4532% | 3,766 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0258% | 5,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 52.1199% | 6,838 |
| Net loans and leases to deposits | 56.7187% | 7,279 |
| Net loans and leases to core deposits | 60.1820% | 7,581 |
| Total domestic deposits to total assets | 91.8920% | 152 |
| Equity capital to assets | 7.7438% | 7,159 |
| Core capital (leverage) ratio | 7.7743% | 6,838 |
| Tier 1 risk-based capital ratio | 13.0607% | 4,080 |
| Total risk-based capital ratio | 14.0203% | 4,167 |
| Memoranda: |
| Average total assets | $38,074,800 | 7,301 |
| Average earning assets | $35,334,200 | 7,267 |
| Average equity | $2,872,800 | 7,875 |
| Average total loans | $21,499,800 | 7,228 |
