| 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 | 5.3924% | 1,329 |
| Cost of funding earning assets | 1.6646% | 1,530 |
| Net interest margin | 3.7277% | 1,705 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.5938% | 2,026 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9858% | 2,264 |
| Return on assets (ROA) | 0.8934% | 2,542 |
| Pretax return on assets | 1.0945% | 2,421 |
| Return on Equity (ROE) | 9.8400% | 2,547 |
| Retained earnings to average equity (ytd only) | 7.7180% | 1,622 |
| Net charge-offs to loans | 0.0497% | 1,368 |
| Credit loss provision to net charge-offs | 89.6552% | 1,951 |
| Earnings coverage of net charge-offs (x) | 30.0920% | 1,635 |
| Efficiency ratio | 66.7286% | 2,256 |
| Assets per employee ($millions) | 6.0120% | 2,815 |
| Cash dividends to net income (ytd only)* | 21.5426% | 2,884 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7590% | 4,043 |
| Loan loss allowance to noncurrent loans | 114.2745% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 1,058 |
| Noncurrent loans to loans | 0.6642% | 1,182 |
| Net loans and leases to total assets | 79.2200% | 738 |
| Net loans and leases to deposits | 99.1186% | 589 |
| Net loans and leases to core deposits | 120.6083% | 603 |
| Total domestic deposits to total assets | 79.9200% | 3,474 |
| Equity capital to assets | 9.2707% | 2,499 |
| Core capital (leverage) ratio | 8.6499% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4923% | 2,876 |
| Memoranda: |
| Average total assets | $210,425,000 | 2,910 |
| Average earning assets | $194,997,200 | 2,912 |
| Average equity | $19,111,200 | 2,930 |
| Average total loans | $174,886,400 | 2,490 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1388% | 1,560 |
| Cost of funding earning assets | 1.5409% | 1,504 |
| Net interest margin | 3.5979% | 2,016 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.6461% | 1,810 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.7788% | 3,089 |
| Return on assets (ROA) | 0.7846% | 3,064 |
| Pretax return on assets | 1.0474% | 2,717 |
| Return on Equity (ROE) | 8.6900% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.0176% | 2,281 |
| Net charge-offs to loans | 0.0633% | 1,031 |
| Credit loss provision to net charge-offs | 72.8395% | 1,791 |
| Earnings coverage of net charge-offs (x) | 20.2716% | 1,813 |
| Efficiency ratio | 69.8183% | 1,805 |
| Assets per employee ($millions) | 6.7671% | 2,131 |
| Cash dividends to net income (ytd only)* | 19.2630% | 2,488 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7538% | 4,063 |
| Loan loss allowance to noncurrent loans | 65.0744% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 528 |
| Noncurrent loans to loans | 1.1584% | 682 |
| Net loans and leases to total assets | 85.1300% | 202 |
| Net loans and leases to deposits | 101.1089% | 468 |
| Net loans and leases to core deposits | 120.6427% | 537 |
| Total domestic deposits to total assets | 84.2000% | 2,716 |
| Equity capital to assets | 9.4190% | 2,148 |
| Core capital (leverage) ratio | 9.9263% | 2,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1361% | 2,903 |
| Memoranda: |
| Average total assets | $202,912,000 | 2,973 |
| Average earning assets | $188,105,500 | 2,967 |
| Average equity | $18,315,500 | 2,979 |
| Average total loans | $170,619,750 | 2,526 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8705% | 1,832 |
| Cost of funding earning assets | 1.3917% | 1,468 |
| Net interest margin | 3.4788% | 2,318 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.5353% | 2,110 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.7227% | 3,289 |
| Return on assets (ROA) | 0.7292% | 3,282 |
| Pretax return on assets | 0.9750% | 2,981 |
| Return on Equity (ROE) | 8.2100% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.5247% | 2,120 |
| Net charge-offs to loans | 0.0147% | 1,646 |
| Credit loss provision to net charge-offs | 325.0000% | 822 |
| Earnings coverage of net charge-offs (x) | 82.2500% | 1,035 |
| Efficiency ratio | 71.5808% | 1,602 |
| Assets per employee ($millions) | 6.7019% | 2,134 |
| Cash dividends to net income (ytd only)* | 8.3916% | 2,744 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7934% | 4,040 |
| Loan loss allowance to noncurrent loans | 169.4665% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 1,338 |
| Noncurrent loans to loans | 0.4682% | 1,541 |
| Net loans and leases to total assets | 84.4100% | 245 |
| Net loans and leases to deposits | 104.1579% | 365 |
| Net loans and leases to core deposits | 118.9299% | 538 |
| Total domestic deposits to total assets | 81.0400% | 3,427 |
| Equity capital to assets | 9.5473% | 2,129 |
| Core capital (leverage) ratio | 8.5093% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4261% | 2,913 |
| Memoranda: |
| Average total assets | $196,111,000 | 3,028 |
| Average earning assets | $181,499,667 | 3,022 |
| Average equity | $17,409,333 | 3,071 |
| Average total loans | $163,641,667 | 2,567 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0887% | 3,270 |
| Cost of funding earning assets | 1.0322% | 1,943 |
| Net interest margin | 3.0565% | 3,448 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.4098% | 2,503 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.4967% | 3,910 |
| Return on assets (ROA) | 0.5055% | 3,845 |
| Pretax return on assets | 0.6253% | 3,803 |
| Return on Equity (ROE) | 5.9700% | 3,718 |
| Retained earnings to average equity (ytd only) | 5.9654% | 2,771 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.5511% | 952 |
| Assets per employee ($millions) | 7.0565% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8194% | 4,052 |
| Loan loss allowance to noncurrent loans | 170.2176% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 1,298 |
| Noncurrent loans to loans | 0.4814% | 1,510 |
| Net loans and leases to total assets | 82.2300% | 352 |
| Net loans and leases to deposits | 99.0894% | 482 |
| Net loans and leases to core deposits | 107.6402% | 773 |
| Total domestic deposits to total assets | 82.9800% | 3,302 |
| Equity capital to assets | 9.3504% | 2,257 |
| Core capital (leverage) ratio | 8.4729% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1245% | 3,011 |
| Memoranda: |
| Average total assets | $183,585,500 | 3,150 |
| Average earning assets | $169,345,500 | 3,151 |
| Average equity | $15,556,500 | 3,256 |
| Average total loans | $151,378,000 | 2,690 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1465% | 1,357 |
| Cost of funding earning assets | 0.5769% | 987 |
| Net interest margin | 3.5696% | 1,730 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.6987% | 1,559 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7774% | 3,407 |
| Return on assets (ROA) | 0.7875% | 3,300 |
| Pretax return on assets | 1.0514% | 2,912 |
| Return on Equity (ROE) | 10.0100% | 2,799 |
| Retained earnings to average equity (ytd only) | 6.9922% | 2,249 |
| Net charge-offs to loans | -0.0045% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.1560% | 1,548 |
| Assets per employee ($millions) | 7.8116% | 1,432 |
| Cash dividends to net income (ytd only)* | 30.1802% | 2,414 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2076% | 2,348 |
| Loan loss allowance to noncurrent loans | 349.8807% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 1,736 |
| Noncurrent loans to loans | 0.3451% | 1,906 |
| Net loans and leases to total assets | 80.8100% | 517 |
| Net loans and leases to deposits | 97.2898% | 569 |
| Net loans and leases to core deposits | 107.0170% | 713 |
| Total domestic deposits to total assets | 83.0600% | 3,408 |
| Equity capital to assets | 7.1816% | 3,563 |
| Core capital (leverage) ratio | 9.0111% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $140,956,800 | 3,523 |
| Average earning assets | $133,291,800 | 3,494 |
| Average equity | $11,083,800 | 3,754 |
| Average total loans | $110,479,400 | 3,022 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0378% | 1,191 |
| Cost of funding earning assets | 0.4693% | 882 |
| Net interest margin | 3.5685% | 1,465 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.7780% | 1,291 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7693% | 3,356 |
| Return on assets (ROA) | 0.7822% | 3,271 |
| Pretax return on assets | 1.0439% | 2,889 |
| Return on Equity (ROE) | 9.7200% | 2,812 |
| Retained earnings to average equity (ytd only) | 6.9227% | 2,391 |
| Net charge-offs to loans | -0.0062% | 3,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.9285% | 1,521 |
| Assets per employee ($millions) | 6.5477% | 2,281 |
| Cash dividends to net income (ytd only)* | 28.7990% | 2,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2287% | 2,374 |
| Loan loss allowance to noncurrent loans | 335.7309% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 1,750 |
| Noncurrent loans to loans | 0.3660% | 1,928 |
| Net loans and leases to total assets | 80.7500% | 467 |
| Net loans and leases to deposits | 94.8320% | 602 |
| Net loans and leases to core deposits | 102.5912% | 715 |
| Total domestic deposits to total assets | 85.1500% | 3,247 |
| Equity capital to assets | 7.2385% | 3,377 |
| Core capital (leverage) ratio | 8.8201% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $139,090,750 | 3,563 |
| Average earning assets | $131,818,000 | 3,525 |
| Average equity | $11,190,000 | 3,788 |
| Average total loans | $107,749,000 | 3,062 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9238% | 1,073 |
| Cost of funding earning assets | 0.4295% | 764 |
| Net interest margin | 3.4943% | 1,329 |
| Noninterest income to average assets | 0.6083% | 1,704 |
| Noninterest expense to average assets | 2.7707% | 1,227 |
| Loan and lease loss provision to assets | 0.0553% | 1,590 |
| Net operating income to assets | 0.8160% | 2,901 |
| Return on assets (ROA) | 0.8367% | 2,805 |
| Pretax return on assets | 1.1234% | 2,328 |
| Return on Equity (ROE) | 10.0486% | 2,320 |
| Retained earnings to average equity (ytd only) | 7.2525% | 1,892 |
| Net charge-offs to loans | -0.0096% | 3,578 |
| Credit loss provision to net charge-offs | -760.0000% | 3,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6231% | 1,868 |
| Assets per employee ($millions) | 6.2822% | 2,495 |
| Cash dividends to net income (ytd only)* | 27.8261% | 2,180 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2893% | 2,242 |
| Loan loss allowance to noncurrent loans | 330.8585% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 1,762 |
| Noncurrent loans to loans | 0.3897% | 1,968 |
| Net loans and leases to total assets | 78.9918% | 482 |
| Net loans and leases to deposits | 90.9184% | 671 |
| Net loans and leases to core deposits | 98.5289% | 739 |
| Total domestic deposits to total assets | 86.8821% | 2,981 |
| Equity capital to assets | 7.8078% | 3,258 |
| Core capital (leverage) ratio | 8.9937% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $137,438,000 | 3,626 |
| Average earning assets | $130,384,667 | 3,593 |
| Average equity | $11,444,333 | 3,838 |
| Average total loans | $104,409,667 | 3,126 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7669% | 1,146 |
| Cost of funding earning assets | 0.4161% | 795 |
| Net interest margin | 3.3507% | 1,442 |
| Noninterest income to average assets | 0.5020% | 2,129 |
| Noninterest expense to average assets | 2.7551% | 1,244 |
| Loan and lease loss provision to assets | 0.0525% | 1,440 |
| Net operating income to assets | 0.6792% | 3,129 |
| Return on assets (ROA) | 0.7530% | 2,838 |
| Pretax return on assets | 0.9602% | 2,575 |
| Return on Equity (ROE) | 8.7673% | 2,406 |
| Retained earnings to average equity (ytd only) | 5.1992% | 2,514 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9801% | 1,636 |
| Assets per employee ($millions) | 7.3843% | 1,748 |
| Cash dividends to net income (ytd only)* | 40.6977% | 1,484 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3837% | 1,977 |
| Loan loss allowance to noncurrent loans | 269.9422% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 1,632 |
| Noncurrent loans to loans | 0.5126% | 1,743 |
| Net loans and leases to total assets | 71.1656% | 910 |
| Net loans and leases to deposits | 84.1290% | 875 |
| Net loans and leases to core deposits | 84.6705% | 1,212 |
| Total domestic deposits to total assets | 84.5910% | 3,636 |
| Equity capital to assets | 8.0655% | 3,518 |
| Core capital (leverage) ratio | 9.0639% | 3,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $137,053,000 | 3,646 |
| Average earning assets | $129,763,500 | 3,611 |
| Average equity | $11,771,000 | 3,883 |
| Average total loans | $101,315,000 | 3,164 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3764% | 746 |
| Cost of funding earning assets | 0.4991% | 935 |
| Net interest margin | 3.8773% | 875 |
| Noninterest income to average assets | 0.2937% | 3,643 |
| Noninterest expense to average assets | 2.8771% | 1,202 |
| Loan and lease loss provision to assets | 0.2724% | 319 |
| Net operating income to assets | 0.5349% | 4,009 |
| Return on assets (ROA) | 0.5929% | 3,934 |
| Pretax return on assets | 0.8977% | 3,517 |
| Return on Equity (ROE) | 6.1558% | 3,738 |
| Retained earnings to average equity (ytd only) | 3.8115% | 3,287 |
| Net charge-offs to loans | 0.0508% | 1,305 |
| Credit loss provision to net charge-offs | 750.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 30.1957% | 1,604 |
| Efficiency ratio | 72.4021% | 1,464 |
| Assets per employee ($millions) | 7.0424% | 1,899 |
| Cash dividends to net income (ytd only)* | 38.0826% | 2,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3641% | 2,075 |
| Loan loss allowance to noncurrent loans | 259.9624% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 1,635 |
| Noncurrent loans to loans | 0.5247% | 1,817 |
| Net loans and leases to total assets | 74.7356% | 606 |
| Net loans and leases to deposits | 91.2575% | 513 |
| Net loans and leases to core deposits | 94.8092% | 743 |
| Total domestic deposits to total assets | 81.8953% | 3,984 |
| Equity capital to assets | 9.1372% | 3,474 |
| Core capital (leverage) ratio | 8.8892% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $126,657,200 | 3,729 |
| Average earning assets | $120,212,000 | 3,686 |
| Average equity | $12,199,800 | 3,913 |
| Average total loans | $90,619,600 | 3,328 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5450% | 620 |
| Cost of funding earning assets | 0.5214% | 947 |
| Net interest margin | 4.0236% | 759 |
| Noninterest income to average assets | 0.3417% | 3,406 |
| Noninterest expense to average assets | 2.9940% | 988 |
| Loan and lease loss provision to assets | 0.3067% | 254 |
| Net operating income to assets | 0.5329% | 4,138 |
| Return on assets (ROA) | 0.6054% | 4,047 |
| Pretax return on assets | 0.9482% | 3,590 |
| Return on Equity (ROE) | 6.2000% | 3,866 |
| Retained earnings to average equity (ytd only) | 3.9474% | 3,593 |
| Net charge-offs to loans | -0.0030% | 3,303 |
| Credit loss provision to net charge-offs | -14,350.0000% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0267% | 1,400 |
| Assets per employee ($millions) | 6.4188% | 2,320 |
| Cash dividends to net income (ytd only)* | 36.3316% | 1,783 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4678% | 1,753 |
| Loan loss allowance to noncurrent loans | 1,048.0916% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 3,456 |
| Noncurrent loans to loans | 0.1400% | 3,412 |
| Net loans and leases to total assets | 68.3784% | 1,274 |
| Net loans and leases to deposits | 82.1406% | 1,109 |
| Net loans and leases to core deposits | 86.0557% | 1,290 |
| Total domestic deposits to total assets | 83.2455% | 3,643 |
| Equity capital to assets | 9.0820% | 3,756 |
| Core capital (leverage) ratio | 9.1001% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $124,870,250 | 3,783 |
| Average earning assets | $118,397,250 | 3,741 |
| Average equity | $12,193,250 | 3,962 |
| Average total loans | $87,928,750 | 3,413 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9634% | 363 |
| Cost of funding earning assets | 0.5639% | 896 |
| Net interest margin | 4.3996% | 413 |
| Noninterest income to average assets | 0.3866% | 3,176 |
| Noninterest expense to average assets | 3.1589% | 770 |
| Loan and lease loss provision to assets | 0.3965% | 160 |
| Net operating income to assets | 0.5645% | 4,064 |
| Return on assets (ROA) | 0.6334% | 3,969 |
| Pretax return on assets | 1.0776% | 3,282 |
| Return on Equity (ROE) | 6.3234% | 3,828 |
| Retained earnings to average equity (ytd only) | 4.2211% | 3,451 |
| Net charge-offs to loans | -0.0023% | 3,226 |
| Credit loss provision to net charge-offs | -24,100.0000% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4897% | 1,708 |
| Assets per employee ($millions) | 6.1164% | 2,508 |
| Cash dividends to net income (ytd only)* | 33.2468% | 1,902 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4634% | 1,710 |
| Loan loss allowance to noncurrent loans | 1,216.5138% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,633 |
| Noncurrent loans to loans | 0.1203% | 3,589 |
| Net loans and leases to total assets | 69.5130% | 1,263 |
| Net loans and leases to deposits | 84.3116% | 1,040 |
| Net loans and leases to core deposits | 88.1419% | 1,257 |
| Total domestic deposits to total assets | 82.4477% | 3,832 |
| Equity capital to assets | 9.5208% | 3,313 |
| Core capital (leverage) ratio | 9.5490% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $121,562,333 | 3,837 |
| Average earning assets | $114,920,333 | 3,799 |
| Average equity | $12,177,000 | 3,966 |
| Average total loans | $86,057,333 | 3,455 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5529% | 724 |
| Cost of funding earning assets | 0.5834% | 947 |
| Net interest margin | 3.9695% | 888 |
| Noninterest income to average assets | 0.4978% | 2,624 |
| Noninterest expense to average assets | 3.2103% | 711 |
| Loan and lease loss provision to assets | 0.3251% | 268 |
| Net operating income to assets | 0.5730% | 4,012 |
| Return on assets (ROA) | 0.6299% | 3,935 |
| Pretax return on assets | 0.7890% | 3,831 |
| Return on Equity (ROE) | 6.1230% | 3,825 |
| Retained earnings to average equity (ytd only) | 4.4770% | 3,371 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4777% | 1,184 |
| Assets per employee ($millions) | 5.9685% | 2,632 |
| Cash dividends to net income (ytd only)* | 26.8817% | 1,800 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3810% | 2,043 |
| Loan loss allowance to noncurrent loans | 1,325.8427% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,836 |
| Noncurrent loans to loans | 0.1042% | 3,787 |
| Net loans and leases to total assets | 70.5945% | 1,208 |
| Net loans and leases to deposits | 85.9001% | 965 |
| Net loans and leases to core deposits | 90.2778% | 1,214 |
| Total domestic deposits to total assets | 82.1821% | 3,858 |
| Equity capital to assets | 10.0654% | 2,650 |
| Core capital (leverage) ratio | 10.0692% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $118,121,000 | 3,885 |
| Average earning assets | $111,752,500 | 3,847 |
| Average equity | $12,151,000 | 3,983 |
| Average total loans | $83,780,000 | 3,498 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7289% | 841 |
| Cost of funding earning assets | 0.7635% | 1,379 |
| Net interest margin | 3.9655% | 1,049 |
| Noninterest income to average assets | 0.3318% | 3,475 |
| Noninterest expense to average assets | 3.0755% | 1,279 |
| Loan and lease loss provision to assets | 0.2231% | 1,751 |
| Net operating income to assets | 0.5967% | 3,767 |
| Return on assets (ROA) | 0.5991% | 3,873 |
| Pretax return on assets | 0.7174% | 3,850 |
| Return on Equity (ROE) | 5.1367% | 3,866 |
| Retained earnings to average equity (ytd only) | 1.9211% | 3,861 |
| Net charge-offs to loans | 0.0629% | 1,877 |
| Credit loss provision to net charge-offs | 483.3333% | 1,280 |
| Earnings coverage of net charge-offs (x) | 20.3125% | 1,943 |
| Efficiency ratio | 76.6355% | 1,158 |
| Assets per employee ($millions) | 5.8437% | 2,507 |
| Cash dividends to net income (ytd only)* | 62.6003% | 1,243 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3201% | 2,314 |
| Loan loss allowance to noncurrent loans | 1,191.2088% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 2,088 |
| Noncurrent loans to loans | 0.1108% | 3,846 |
| Net loans and leases to total assets | 69.3300% | 1,645 |
| Net loans and leases to deposits | 85.0759% | 1,342 |
| Net loans and leases to core deposits | 91.8424% | 1,396 |
| Total domestic deposits to total assets | 81.4919% | 3,763 |
| Equity capital to assets | 10.5131% | 2,664 |
| Core capital (leverage) ratio | 10.1613% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $103,984,400 | 3,945 |
| Average earning assets | $96,533,600 | 3,934 |
| Average equity | $12,128,400 | 3,960 |
| Average total loans | $76,262,600 | 3,620 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9398% | 680 |
| Cost of funding earning assets | 0.8016% | 1,492 |
| Net interest margin | 4.1382% | 830 |
| Noninterest income to average assets | 0.3851% | 3,160 |
| Noninterest expense to average assets | 3.1096% | 1,222 |
| Loan and lease loss provision to assets | 0.2471% | 1,641 |
| Net operating income to assets | 0.6907% | 3,490 |
| Return on assets (ROA) | 0.6907% | 3,590 |
| Pretax return on assets | 0.8535% | 3,506 |
| Return on Equity (ROE) | 5.7573% | 3,636 |
| Retained earnings to average equity (ytd only) | 2.0073% | 3,929 |
| Net charge-offs to loans | 0.0232% | 2,383 |
| Credit loss provision to net charge-offs | 1,438.4615% | 633 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 1,054 |
| Efficiency ratio | 73.8529% | 1,419 |
| Assets per employee ($millions) | 5.8327% | 2,416 |
| Cash dividends to net income (ytd only)* | 65.1341% | 958 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3371% | 2,009 |
| Loan loss allowance to noncurrent loans | 390.5455% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.6858% | 1,696 |
| Noncurrent loans to loans | 0.3424% | 3,056 |
| Net loans and leases to total assets | 71.5117% | 1,740 |
| Net loans and leases to deposits | 88.9790% | 1,372 |
| Net loans and leases to core deposits | 98.2081% | 1,293 |
| Total domestic deposits to total assets | 80.3692% | 3,790 |
| Equity capital to assets | 11.0403% | 2,369 |
| Core capital (leverage) ratio | 10.8208% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $100,762,250 | 3,980 |
| Average earning assets | $93,146,750 | 3,980 |
| Average equity | $12,088,750 | 3,970 |
| Average total loans | $74,800,250 | 3,661 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1859% | 586 |
| Cost of funding earning assets | 0.8621% | 1,533 |
| Net interest margin | 4.3238% | 712 |
| Noninterest income to average assets | 0.4476% | 2,817 |
| Noninterest expense to average assets | 3.4740% | 769 |
| Loan and lease loss provision to assets | 0.2895% | 1,485 |
| Net operating income to assets | 0.4168% | 4,201 |
| Return on assets (ROA) | 0.4168% | 4,261 |
| Pretax return on assets | 0.6693% | 3,931 |
| Return on Equity (ROE) | 3.3721% | 4,267 |
| Retained earnings to average equity (ytd only) | 1.2957% | 4,009 |
| Net charge-offs to loans | 0.0713% | 1,537 |
| Credit loss provision to net charge-offs | 542.3077% | 1,169 |
| Earnings coverage of net charge-offs (x) | 17.9615% | 1,794 |
| Efficiency ratio | 78.3696% | 1,022 |
| Assets per employee ($millions) | 5.5749% | 2,570 |
| Cash dividends to net income (ytd only)* | 61.5764% | 1,196 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2972% | 2,013 |
| Loan loss allowance to noncurrent loans | 1,034.6939% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 2,158 |
| Noncurrent loans to loans | 0.1254% | 3,955 |
| Net loans and leases to total assets | 72.8425% | 1,580 |
| Net loans and leases to deposits | 91.5137% | 1,211 |
| Net loans and leases to core deposits | 102.2678% | 1,099 |
| Total domestic deposits to total assets | 79.5974% | 3,916 |
| Equity capital to assets | 11.5386% | 1,945 |
| Core capital (leverage) ratio | 11.4736% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3163% | 1,691 |
| Memoranda: |
| Average total assets | $97,409,333 | 4,031 |
| Average earning assets | $89,782,333 | 4,026 |
| Average equity | $12,040,000 | 3,978 |
| Average total loans | $72,959,000 | 3,697 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0314% | 908 |
| Cost of funding earning assets | 0.9250% | 1,754 |
| Net interest margin | 4.1064% | 1,121 |
| Noninterest income to average assets | 0.3865% | 3,196 |
| Noninterest expense to average assets | 3.3322% | 1,169 |
| Loan and lease loss provision to assets | 0.1975% | 1,533 |
| Net operating income to assets | 0.6312% | 3,512 |
| Return on assets (ROA) | 0.6312% | 3,571 |
| Pretax return on assets | 0.6312% | 3,862 |
| Return on Equity (ROE) | 4.9209% | 3,660 |
| Retained earnings to average equity (ytd only) | 3.2471% | 2,981 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0826% | 1,132 |
| Assets per employee ($millions) | 5.0060% | 2,642 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,040 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3380% | 1,961 |
| Loan loss allowance to noncurrent loans | 721.3740% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 2,061 |
| Noncurrent loans to loans | 0.1855% | 3,807 |
| Net loans and leases to total assets | 73.2605% | 1,737 |
| Net loans and leases to deposits | 89.6795% | 1,551 |
| Net loans and leases to core deposits | 99.0659% | 1,545 |
| Total domestic deposits to total assets | 81.6914% | 3,500 |
| Equity capital to assets | 12.6806% | 1,634 |
| Core capital (leverage) ratio | 12.5180% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9554% | 1,356 |
| Memoranda: |
| Average total assets | $93,152,500 | 4,086 |
| Average earning assets | $85,622,000 | 4,083 |
| Average equity | $11,949,000 | 4,003 |
| Average total loans | $70,353,000 | 3,754 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1247% | 1,164 |
| Cost of funding earning assets | 0.9519% | 1,948 |
| Net interest margin | 4.1727% | 1,368 |
| Noninterest income to average assets | 0.6185% | 2,141 |
| Noninterest expense to average assets | 3.3466% | 1,213 |
| Loan and lease loss provision to assets | 0.4108% | 344 |
| Net operating income to assets | 0.6806% | 3,925 |
| Return on assets (ROA) | 0.6806% | 3,993 |
| Pretax return on assets | 0.6806% | 4,253 |
| Return on Equity (ROE) | 5.1936% | 4,161 |
| Retained earnings to average equity (ytd only) | 2.4978% | 3,784 |
| Net charge-offs to loans | 0.7496% | 223 |
| Credit loss provision to net charge-offs | 72.0792% | 2,886 |
| Earnings coverage of net charge-offs (x) | 1.9149% | 3,475 |
| Efficiency ratio | 75.4069% | 1,432 |
| Assets per employee ($millions) | 4.5596% | 3,142 |
| Cash dividends to net income (ytd only)* | 51.9071% | 1,933 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2842% | 2,006 |
| Loan loss allowance to noncurrent loans | 430.6220% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 1,700 |
| Noncurrent loans to loans | 0.2982% | 3,360 |
| Net loans and leases to total assets | 75.8627% | 1,440 |
| Net loans and leases to deposits | 87.5032% | 1,912 |
| Net loans and leases to core deposits | 94.9232% | 1,987 |
| Total domestic deposits to total assets | 86.6972% | 1,754 |
| Equity capital to assets | 12.9804% | 1,537 |
| Core capital (leverage) ratio | 12.6960% | 1,374 |
| Tier 1 risk-based capital ratio | 15.6517% | 2,524 |
| Total risk-based capital ratio | 16.8770% | 2,469 |
| Memoranda: |
| Average total assets | $88,597,800 | 4,166 |
| Average earning assets | $81,097,600 | 4,165 |
| Average equity | $11,610,400 | 4,042 |
| Average total loans | $67,371,200 | 3,827 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0910% | 1,303 |
| Cost of funding earning assets | 0.9392% | 2,045 |
| Net interest margin | 4.1519% | 1,496 |
| Noninterest income to average assets | 0.6322% | 2,064 |
| Noninterest expense to average assets | 3.2609% | 1,355 |
| Loan and lease loss provision to assets | 0.4836% | 246 |
| Net operating income to assets | 0.6943% | 4,034 |
| Return on assets (ROA) | 0.6943% | 4,089 |
| Pretax return on assets | 0.6943% | 4,354 |
| Return on Equity (ROE) | 5.2853% | 4,243 |
| Retained earnings to average equity (ytd only) | 2.5388% | 4,078 |
| Net charge-offs to loans | 0.2579% | 685 |
| Credit loss provision to net charge-offs | 247.2868% | 1,105 |
| Earnings coverage of net charge-offs (x) | 6.0231% | 2,869 |
| Efficiency ratio | 73.4631% | 1,646 |
| Assets per employee ($millions) | 4.7937% | 2,801 |
| Cash dividends to net income (ytd only)* | 51.9659% | 1,586 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7922% | 693 |
| Loan loss allowance to noncurrent loans | 106.3040% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2989% | 934 |
| Noncurrent loans to loans | 1.6859% | 867 |
| Net loans and leases to total assets | 74.0635% | 1,811 |
| Net loans and leases to deposits | 85.4459% | 2,268 |
| Net loans and leases to core deposits | 95.2944% | 2,054 |
| Total domestic deposits to total assets | 86.6787% | 1,693 |
| Equity capital to assets | 12.9567% | 1,653 |
| Core capital (leverage) ratio | 12.7625% | 1,454 |
| Tier 1 risk-based capital ratio | 15.6680% | 2,574 |
| Total risk-based capital ratio | 16.9260% | 2,505 |
| Memoranda: |
| Average total assets | $87,949,500 | 4,226 |
| Average earning assets | $80,636,250 | 4,230 |
| Average equity | $11,553,750 | 4,089 |
| Average total loans | $66,694,000 | 3,883 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0929% | 1,238 |
| Cost of funding earning assets | 0.8992% | 2,144 |
| Net interest margin | 4.1937% | 1,383 |
| Noninterest income to average assets | 0.5661% | 2,307 |
| Noninterest expense to average assets | 3.3553% | 1,183 |
| Loan and lease loss provision to assets | 0.6283% | 175 |
| Net operating income to assets | 0.4142% | 4,711 |
| Return on assets (ROA) | 0.4142% | 4,731 |
| Pretax return on assets | 0.4142% | 4,815 |
| Return on Equity (ROE) | 3.1383% | 4,765 |
| Retained earnings to average equity (ytd only) | 0.2092% | 4,636 |
| Net charge-offs to loans | 0.3392% | 501 |
| Credit loss provision to net charge-offs | 243.7500% | 1,045 |
| Earnings coverage of net charge-offs (x) | 4.0446% | 2,775 |
| Efficiency ratio | 76.2951% | 1,352 |
| Assets per employee ($millions) | 4.6895% | 2,893 |
| Cash dividends to net income (ytd only)* | 93.3333% | 549 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7349% | 767 |
| Loan loss allowance to noncurrent loans | 106.6489% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 1.2941% | 985 |
| Noncurrent loans to loans | 1.6267% | 949 |
| Net loans and leases to total assets | 76.4747% | 1,476 |
| Net loans and leases to deposits | 88.2013% | 1,979 |
| Net loans and leases to core deposits | 101.1730% | 1,619 |
| Total domestic deposits to total assets | 86.7048% | 1,730 |
| Equity capital to assets | 12.9484% | 1,608 |
| Core capital (leverage) ratio | 12.9917% | 1,299 |
| Tier 1 risk-based capital ratio | 15.3561% | 2,678 |
| Total risk-based capital ratio | 16.6136% | 2,607 |
| Memoranda: |
| Average total assets | $86,906,000 | 4,268 |
| Average earning assets | $79,404,000 | 4,276 |
| Average equity | $11,471,330 | 4,114 |
| Average total loans | $66,029,330 | 3,923 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0839% | 1,128 |
| Cost of funding earning assets | 0.8644% | 2,184 |
| Net interest margin | 4.2195% | 1,263 |
| Noninterest income to average assets | 0.4056% | 3,148 |
| Noninterest expense to average assets | 3.2817% | 1,325 |
| Loan and lease loss provision to assets | 0.6806% | 149 |
| Net operating income to assets | 0.2890% | 4,914 |
| Return on assets (ROA) | 0.2890% | 4,921 |
| Pretax return on assets | 0.2890% | 4,972 |
| Return on Equity (ROE) | 2.1681% | 4,943 |
| Retained earnings to average equity (ytd only) | 0.3147% | 4,471 |
| Net charge-offs to loans | 0.5717% | 261 |
| Credit loss provision to net charge-offs | 158.6957% | 1,199 |
| Earnings coverage of net charge-offs (x) | 2.2609% | 2,512 |
| Efficiency ratio | 77.1930% | 1,360 |
| Assets per employee ($millions) | 4.4649% | 3,239 |
| Cash dividends to net income (ytd only)* | 85.4839% | 829 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6822% | 893 |
| Loan loss allowance to noncurrent loans | 94.5596% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.5418% | 764 |
| Noncurrent loans to loans | 1.7790% | 871 |
| Net loans and leases to total assets | 75.4403% | 1,576 |
| Net loans and leases to deposits | 87.6075% | 1,922 |
| Net loans and leases to core deposits | 95.3061% | 1,997 |
| Total domestic deposits to total assets | 86.1117% | 2,227 |
| Equity capital to assets | 13.5241% | 1,202 |
| Core capital (leverage) ratio | 13.3708% | 1,129 |
| Tier 1 risk-based capital ratio | 16.1066% | 2,389 |
| Total risk-based capital ratio | 17.3605% | 2,342 |
| Memoranda: |
| Average total assets | $85,809,000 | 4,329 |
| Average earning assets | $78,207,500 | 4,336 |
| Average equity | $11,438,500 | 4,136 |
| Average total loans | $64,373,000 | 4,002 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8730% | 1,359 |
| Cost of funding earning assets | 0.6939% | 2,126 |
| Net interest margin | 4.1791% | 1,453 |
| Noninterest income to average assets | 0.3555% | 3,720 |
| Noninterest expense to average assets | 3.1539% | 1,662 |
| Loan and lease loss provision to assets | 0.1567% | 1,328 |
| Net operating income to assets | 0.8279% | 3,701 |
| Return on assets (ROA) | 0.8508% | 3,600 |
| Pretax return on assets | 0.8942% | 3,914 |
| Return on Equity (ROE) | 6.3239% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.8785% | 3,448 |
| Net charge-offs to loans | -0.0308% | 4,823 |
| Credit loss provision to net charge-offs | -684.2105% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4396% | 1,434 |
| Assets per employee ($millions) | 4.5676% | 3,063 |
| Cash dividends to net income (ytd only)* | 38.6686% | 2,595 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6355% | 953 |
| Loan loss allowance to noncurrent loans | 58.1564% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 2.0914% | 445 |
| Noncurrent loans to loans | 2.8122% | 387 |
| Net loans and leases to total assets | 72.1458% | 2,231 |
| Net loans and leases to deposits | 83.6408% | 2,549 |
| Net loans and leases to core deposits | 89.1780% | 2,634 |
| Total domestic deposits to total assets | 86.2567% | 2,110 |
| Equity capital to assets | 13.1407% | 1,282 |
| Core capital (leverage) ratio | 12.6927% | 1,381 |
| Tier 1 risk-based capital ratio | 15.8783% | 2,456 |
| Total risk-based capital ratio | 17.1315% | 2,388 |
| Memoranda: |
| Average total assets | $82,977,400 | 4,379 |
| Average earning assets | $75,949,400 | 4,384 |
| Average equity | $11,164,000 | 4,140 |
| Average total loans | $61,594,400 | 4,057 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8878% | 1,190 |
| Cost of funding earning assets | 0.6309% | 2,265 |
| Net interest margin | 4.2569% | 1,219 |
| Noninterest income to average assets | 0.3462% | 3,828 |
| Noninterest expense to average assets | 3.1875% | 1,553 |
| Loan and lease loss provision to assets | 0.1593% | 1,214 |
| Net operating income to assets | 0.8644% | 3,683 |
| Return on assets (ROA) | 0.8956% | 3,559 |
| Pretax return on assets | 0.9363% | 3,909 |
| Return on Equity (ROE) | 6.6161% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.9144% | 3,815 |
| Net charge-offs to loans | -0.1419% | 5,236 |
| Credit loss provision to net charge-offs | -150.7692% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9904% | 1,463 |
| Assets per employee ($millions) | 4.5377% | 3,063 |
| Cash dividends to net income (ytd only)* | 40.8344% | 2,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6304% | 1,008 |
| Loan loss allowance to noncurrent loans | 114.7987% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.0949% | 1,316 |
| Noncurrent loans to loans | 1.4202% | 1,168 |
| Net loans and leases to total assets | 73.8311% | 2,012 |
| Net loans and leases to deposits | 87.7056% | 2,187 |
| Net loans and leases to core deposits | 94.1377% | 2,276 |
| Total domestic deposits to total assets | 84.1806% | 2,881 |
| Equity capital to assets | 13.0032% | 1,335 |
| Core capital (leverage) ratio | 12.8827% | 1,332 |
| Tier 1 risk-based capital ratio | 15.3957% | 2,697 |
| Total risk-based capital ratio | 16.6516% | 2,620 |
| Memoranda: |
| Average total assets | $82,025,750 | 4,441 |
| Average earning assets | $75,233,750 | 4,445 |
| Average equity | $11,104,000 | 4,185 |
| Average total loans | $61,080,000 | 4,109 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8266% | 1,185 |
| Cost of funding earning assets | 0.5381% | 2,705 |
| Net interest margin | 4.2885% | 1,057 |
| Noninterest income to average assets | 0.3423% | 3,888 |
| Noninterest expense to average assets | 3.3214% | 1,269 |
| Loan and lease loss provision to assets | 0.1612% | 1,156 |
| Net operating income to assets | 0.7590% | 4,000 |
| Return on assets (ROA) | 0.7590% | 4,002 |
| Pretax return on assets | 0.7938% | 4,261 |
| Return on Equity (ROE) | 5.5293% | 4,395 |
| Retained earnings to average equity (ytd only) | 3.2525% | 3,943 |
| Net charge-offs to loans | -0.0134% | 4,416 |
| Credit loss provision to net charge-offs | -1,625.0000% | 4,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6682% | 1,227 |
| Assets per employee ($millions) | 4.3376% | 3,369 |
| Cash dividends to net income (ytd only)* | 41.1765% | 2,060 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5291% | 1,301 |
| Loan loss allowance to noncurrent loans | 100.8395% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.1867% | 1,211 |
| Noncurrent loans to loans | 1.5164% | 1,103 |
| Net loans and leases to total assets | 75.0916% | 1,776 |
| Net loans and leases to deposits | 89.8018% | 1,862 |
| Net loans and leases to core deposits | 95.5046% | 2,102 |
| Total domestic deposits to total assets | 83.6193% | 3,210 |
| Equity capital to assets | 13.5111% | 1,100 |
| Core capital (leverage) ratio | 13.7570% | 976 |
| Tier 1 risk-based capital ratio | 16.6309% | 2,214 |
| Total risk-based capital ratio | 17.8857% | 2,161 |
| Memoranda: |
| Average total assets | $80,628,670 | 4,508 |
| Average earning assets | $73,965,000 | 4,505 |
| Average equity | $11,068,330 | 4,223 |
| Average total loans | $59,870,000 | 4,164 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7970% | 1,087 |
| Cost of funding earning assets | 0.4262% | 3,393 |
| Net interest margin | 4.3709% | 814 |
| Noninterest income to average assets | 0.3907% | 3,536 |
| Noninterest expense to average assets | 3.3561% | 1,241 |
| Loan and lease loss provision to assets | 0.1653% | 1,081 |
| Net operating income to assets | 0.8315% | 3,587 |
| Return on assets (ROA) | 0.8315% | 3,601 |
| Pretax return on assets | 0.8766% | 3,925 |
| Return on Equity (ROE) | 5.9528% | 4,174 |
| Retained earnings to average equity (ytd only) | 4.2315% | 3,497 |
| Net charge-offs to loans | 0.0617% | 1,488 |
| Credit loss provision to net charge-offs | 366.6667% | 720 |
| Earnings coverage of net charge-offs (x) | 23.1111% | 1,387 |
| Efficiency ratio | 76.3098% | 1,555 |
| Assets per employee ($millions) | 4.2236% | 3,607 |
| Cash dividends to net income (ytd only)* | 28.9157% | 2,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5342% | 1,336 |
| Loan loss allowance to noncurrent loans | 115.6566% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.0181% | 1,542 |
| Noncurrent loans to loans | 1.3265% | 1,347 |
| Net loans and leases to total assets | 73.2595% | 1,987 |
| Net loans and leases to deposits | 88.2892% | 1,896 |
| Net loans and leases to core deposits | 92.8781% | 2,224 |
| Total domestic deposits to total assets | 82.9767% | 3,675 |
| Equity capital to assets | 14.0849% | 866 |
| Core capital (leverage) ratio | 13.8530% | 903 |
| Tier 1 risk-based capital ratio | 16.8353% | 2,167 |
| Total risk-based capital ratio | 18.0869% | 2,112 |
| Memoranda: |
| Average total assets | $79,855,500 | 4,572 |
| Average earning assets | $73,212,000 | 4,567 |
| Average equity | $11,154,500 | 4,253 |
| Average total loans | $58,381,500 | 4,239 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7185% | 1,155 |
| Cost of funding earning assets | 0.3798% | 3,423 |
| Net interest margin | 4.3387% | 887 |
| Noninterest income to average assets | 0.3760% | 3,782 |
| Noninterest expense to average assets | 3.1752% | 1,666 |
| Loan and lease loss provision to assets | 0.6099% | 207 |
| Net operating income to assets | 0.2832% | 4,962 |
| Return on assets (ROA) | 0.3395% | 4,875 |
| Pretax return on assets | 0.6577% | 4,611 |
| Return on Equity (ROE) | 2.4427% | 4,963 |
| Retained earnings to average equity (ytd only) | 0.4614% | 4,851 |
| Net charge-offs to loans | 0.3621% | 700 |
| Credit loss provision to net charge-offs | 243.7186% | 1,133 |
| Earnings coverage of net charge-offs (x) | 4.7136% | 3,423 |
| Efficiency ratio | 72.9137% | 2,077 |
| Assets per employee ($millions) | 3.6119% | 4,553 |
| Cash dividends to net income (ytd only)* | 81.1111% | 805 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5651% | 1,229 |
| Loan loss allowance to noncurrent loans | 76.4555% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5013% | 911 |
| Noncurrent loans to loans | 2.0471% | 739 |
| Net loans and leases to total assets | 70.6803% | 2,418 |
| Net loans and leases to deposits | 83.0779% | 2,595 |
| Net loans and leases to core deposits | 85.7885% | 2,923 |
| Total domestic deposits to total assets | 85.0771% | 2,812 |
| Equity capital to assets | 13.8506% | 949 |
| Core capital (leverage) ratio | 13.2582% | 1,054 |
| Tier 1 risk-based capital ratio | 17.0851% | 2,062 |
| Total risk-based capital ratio | 18.3357% | 2,019 |
| Memoranda: |
| Average total assets | $79,522,000 | 4,599 |
| Average earning assets | $72,925,600 | 4,600 |
| Average equity | $11,053,200 | 4,291 |
| Average total loans | $54,962,400 | 4,329 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6977% | 1,141 |
| Cost of funding earning assets | 0.3775% | 3,400 |
| Net interest margin | 4.3202% | 877 |
| Noninterest income to average assets | 0.3789% | 3,819 |
| Noninterest expense to average assets | 3.0476% | 1,967 |
| Loan and lease loss provision to assets | 0.7594% | 146 |
| Net operating income to assets | 0.4657% | 4,836 |
| Return on assets (ROA) | 0.5666% | 4,562 |
| Pretax return on assets | 0.6605% | 4,702 |
| Return on Equity (ROE) | 4.0728% | 4,834 |
| Retained earnings to average equity (ytd only) | 2.0484% | 4,619 |
| Net charge-offs to loans | 0.4604% | 451 |
| Credit loss provision to net charge-offs | 240.9574% | 1,165 |
| Earnings coverage of net charge-offs (x) | 4.1330% | 3,261 |
| Efficiency ratio | 70.0578% | 2,525 |
| Assets per employee ($millions) | 4.0001% | 3,991 |
| Cash dividends to net income (ytd only)* | 49.7027% | 1,784 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4864% | 1,589 |
| Loan loss allowance to noncurrent loans | 70.8130% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5837% | 939 |
| Noncurrent loans to loans | 2.0991% | 787 |
| Net loans and leases to total assets | 72.1566% | 2,234 |
| Net loans and leases to deposits | 86.2612% | 2,266 |
| Net loans and leases to core deposits | 90.0772% | 2,604 |
| Total domestic deposits to total assets | 83.6490% | 3,245 |
| Equity capital to assets | 13.9923% | 998 |
| Core capital (leverage) ratio | 12.9726% | 1,218 |
| Tier 1 risk-based capital ratio | 16.5967% | 2,287 |
| Total risk-based capital ratio | 17.8503% | 2,241 |
| Memoranda: |
| Average total assets | $79,537,000 | 4,645 |
| Average earning assets | $73,112,500 | 4,645 |
| Average equity | $11,065,000 | 4,330 |
| Average total loans | $54,438,750 | 4,381 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6765% | 1,100 |
| Cost of funding earning assets | 0.3591% | 3,491 |
| Net interest margin | 4.3174% | 819 |
| Noninterest income to average assets | 0.2545% | 4,715 |
| Noninterest expense to average assets | 3.0737% | 1,903 |
| Loan and lease loss provision to assets | 0.8062% | 126 |
| Net operating income to assets | 0.2761% | 5,278 |
| Return on assets (ROA) | 0.3426% | 5,143 |
| Pretax return on assets | 0.4258% | 5,130 |
| Return on Equity (ROE) | 2.4678% | 5,242 |
| Retained earnings to average equity (ytd only) | 1.5424% | 4,630 |
| Net charge-offs to loans | 0.2149% | 951 |
| Credit loss provision to net charge-offs | 561.4035% | 598 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,544 |
| Efficiency ratio | 72.7924% | 2,214 |
| Assets per employee ($millions) | 3.6741% | 4,473 |
| Cash dividends to net income (ytd only)* | 37.5000% | 2,440 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4747% | 1,662 |
| Loan loss allowance to noncurrent loans | 60.1384% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.8335% | 746 |
| Noncurrent loans to loans | 2.4521% | 624 |
| Net loans and leases to total assets | 71.8289% | 2,228 |
| Net loans and leases to deposits | 91.2477% | 1,576 |
| Net loans and leases to core deposits | 96.5157% | 1,928 |
| Total domestic deposits to total assets | 78.7186% | 4,688 |
| Equity capital to assets | 13.8128% | 1,031 |
| Core capital (leverage) ratio | 12.9072% | 1,211 |
| Tier 1 risk-based capital ratio | 16.6813% | 2,252 |
| Total risk-based capital ratio | 17.9328% | 2,206 |
| Memoranda: |
| Average total assets | $79,382,330 | 4,675 |
| Average earning assets | $72,960,330 | 4,676 |
| Average equity | $11,022,000 | 4,358 |
| Average total loans | $53,052,670 | 4,448 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3297% | 1,882 |
| Cost of funding earning assets | 0.3275% | 3,779 |
| Net interest margin | 4.0022% | 1,468 |
| Noninterest income to average assets | 0.1269% | 5,485 |
| Noninterest expense to average assets | 3.1431% | 1,758 |
| Loan and lease loss provision to assets | 0.0762% | 2,288 |
| Net operating income to assets | 0.5072% | 4,570 |
| Return on assets (ROA) | 0.5433% | 4,450 |
| Pretax return on assets | 0.6093% | 4,707 |
| Return on Equity (ROE) | 3.8674% | 4,829 |
| Retained earnings to average equity (ytd only) | 3.8674% | 3,520 |
| Net charge-offs to loans | 0.4310% | 428 |
| Credit loss provision to net charge-offs | 27.7778% | 2,129 |
| Earnings coverage of net charge-offs (x) | 2.3519% | 2,603 |
| Efficiency ratio | 82.9759% | 1,064 |
| Assets per employee ($millions) | 3.8941% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0757% | 3,852 |
| Loan loss allowance to noncurrent loans | 35.8181% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.1109% | 608 |
| Noncurrent loans to loans | 3.0032% | 460 |
| Net loans and leases to total assets | 66.9526% | 2,822 |
| Net loans and leases to deposits | 82.5246% | 2,446 |
| Net loans and leases to core deposits | 88.8117% | 2,470 |
| Total domestic deposits to total assets | 81.1304% | 4,388 |
| Equity capital to assets | 14.3422% | 799 |
| Core capital (leverage) ratio | 12.7715% | 1,227 |
| Tier 1 risk-based capital ratio | 17.4503% | 2,046 |
| Total risk-based capital ratio | 18.4426% | 2,070 |
| Memoranda: |
| Average total assets | $78,774,500 | 4,740 |
| Average earning assets | $72,060,000 | 4,745 |
| Average equity | $11,067,000 | 4,373 |
| Average total loans | $50,114,500 | 4,561 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2130% | 2,443 |
| Cost of funding earning assets | 0.3416% | 3,613 |
| Net interest margin | 3.8713% | 2,062 |
| Noninterest income to average assets | 0.4039% | 3,850 |
| Noninterest expense to average assets | 3.3334% | 1,506 |
| Loan and lease loss provision to assets | 0.0410% | 3,560 |
| Net operating income to assets | 0.5398% | 4,480 |
| Return on assets (ROA) | 0.6000% | 4,317 |
| Pretax return on assets | 0.6385% | 4,681 |
| Return on Equity (ROE) | 4.2144% | 4,766 |
| Retained earnings to average equity (ytd only) | 2.4044% | 4,156 |
| Net charge-offs to loans | 0.4677% | 535 |
| Credit loss provision to net charge-offs | 15.7635% | 3,707 |
| Earnings coverage of net charge-offs (x) | 2.3645% | 3,844 |
| Efficiency ratio | 84.4156% | 976 |
| Assets per employee ($millions) | 3.6212% | 4,579 |
| Cash dividends to net income (ytd only)* | 42.9487% | 2,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2753% | 2,674 |
| Loan loss allowance to noncurrent loans | 37.0642% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.4176% | 508 |
| Noncurrent loans to loans | 3.4408% | 356 |
| Net loans and leases to total assets | 58.8851% | 3,976 |
| Net loans and leases to deposits | 70.8384% | 3,822 |
| Net loans and leases to core deposits | 74.7411% | 3,860 |
| Total domestic deposits to total assets | 83.1260% | 3,729 |
| Equity capital to assets | 13.7623% | 964 |
| Core capital (leverage) ratio | 12.3172% | 1,422 |
| Tier 1 risk-based capital ratio | 18.3321% | 1,768 |
| Total risk-based capital ratio | 19.4617% | 1,756 |
| Memoranda: |
| Average total assets | $77,997,800 | 4,767 |
| Average earning assets | $71,422,600 | 4,771 |
| Average equity | $11,104,800 | 4,414 |
| Average total loans | $43,400,000 | 4,769 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1454% | 2,700 |
| Cost of funding earning assets | 0.3442% | 3,609 |
| Net interest margin | 3.8012% | 2,324 |
| Noninterest income to average assets | 0.4314% | 3,685 |
| Noninterest expense to average assets | 3.3805% | 1,383 |
| Loan and lease loss provision to assets | 0.1083% | 2,119 |
| Net operating income to assets | 0.3841% | 5,072 |
| Return on assets (ROA) | 0.4537% | 4,944 |
| Pretax return on assets | 0.5139% | 5,095 |
| Return on Equity (ROE) | 3.1597% | 5,182 |
| Retained earnings to average equity (ytd only) | 1.9748% | 4,700 |
| Net charge-offs to loans | 0.6294% | 325 |
| Credit loss provision to net charge-offs | 31.5000% | 3,212 |
| Earnings coverage of net charge-offs (x) | 1.5800% | 3,678 |
| Efficiency ratio | 86.1586% | 807 |
| Assets per employee ($millions) | 3.4756% | 4,807 |
| Cash dividends to net income (ytd only)* | 37.5011% | 2,461 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4008% | 2,197 |
| Loan loss allowance to noncurrent loans | 37.7136% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 2.5019% | 544 |
| Noncurrent loans to loans | 3.7144% | 327 |
| Net loans and leases to total assets | 56.3524% | 4,269 |
| Net loans and leases to deposits | 69.4794% | 4,028 |
| Net loans and leases to core deposits | 75.8661% | 3,853 |
| Total domestic deposits to total assets | 81.1066% | 4,226 |
| Equity capital to assets | 14.0321% | 1,020 |
| Core capital (leverage) ratio | 12.8662% | 1,240 |
| Tier 1 risk-based capital ratio | 19.1370% | 1,643 |
| Total risk-based capital ratio | 20.3595% | 1,602 |
| Memoranda: |
| Average total assets | $77,580,500 | 4,821 |
| Average earning assets | $71,273,750 | 4,808 |
| Average equity | $11,140,000 | 4,450 |
| Average total loans | $42,370,500 | 4,849 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1158% | 2,800 |
| Cost of funding earning assets | 0.3402% | 3,682 |
| Net interest margin | 3.7757% | 2,421 |
| Noninterest income to average assets | 0.4636% | 3,437 |
| Noninterest expense to average assets | 3.3414% | 1,506 |
| Loan and lease loss provision to assets | 0.1224% | 1,863 |
| Net operating income to assets | 0.4128% | 4,996 |
| Return on assets (ROA) | 0.5183% | 4,723 |
| Pretax return on assets | 0.5886% | 4,912 |
| Return on Equity (ROE) | 3.5810% | 5,061 |
| Retained earnings to average equity (ytd only) | 1.7995% | 4,653 |
| Net charge-offs to loans | 0.9403% | 197 |
| Credit loss provision to net charge-offs | 24.2268% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.1701% | 3,447 |
| Efficiency ratio | 84.9669% | 968 |
| Assets per employee ($millions) | 3.3237% | 5,025 |
| Cash dividends to net income (ytd only)* | 49.7487% | 1,984 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4223% | 2,199 |
| Loan loss allowance to noncurrent loans | 37.4109% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.5993% | 516 |
| Noncurrent loans to loans | 3.8019% | 331 |
| Net loans and leases to total assets | 57.1182% | 4,205 |
| Net loans and leases to deposits | 72.9362% | 3,706 |
| Net loans and leases to core deposits | 76.2730% | 3,795 |
| Total domestic deposits to total assets | 78.3125% | 4,937 |
| Equity capital to assets | 14.6262% | 838 |
| Core capital (leverage) ratio | 13.0255% | 1,136 |
| Tier 1 risk-based capital ratio | 19.7509% | 1,510 |
| Total risk-based capital ratio | 20.9962% | 1,471 |
| Memoranda: |
| Average total assets | $76,794,670 | 4,880 |
| Average earning assets | $70,557,000 | 4,868 |
| Average equity | $11,114,330 | 4,477 |
| Average total loans | $41,265,000 | 4,928 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9228% | 3,495 |
| Cost of funding earning assets | 0.3278% | 3,867 |
| Net interest margin | 3.5950% | 3,104 |
| Noninterest income to average assets | 0.5509% | 2,799 |
| Noninterest expense to average assets | 3.1389% | 1,991 |
| Loan and lease loss provision to assets | 0.0780% | 2,402 |
| Net operating income to assets | 0.5964% | 4,189 |
| Return on assets (ROA) | 0.6496% | 4,097 |
| Pretax return on assets | 0.6964% | 4,542 |
| Return on Equity (ROE) | 4.5122% | 4,702 |
| Retained earnings to average equity (ytd only) | 2.7795% | 4,124 |
| Net charge-offs to loans | 0.4226% | 529 |
| Credit loss provision to net charge-offs | 35.7143% | 2,176 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 2,561 |
| Efficiency ratio | 81.4016% | 1,437 |
| Assets per employee ($millions) | 3.2803% | 5,156 |
| Cash dividends to net income (ytd only)* | 38.4000% | 2,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8498% | 1,058 |
| Loan loss allowance to noncurrent loans | 42.9553% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 2.7304% | 509 |
| Noncurrent loans to loans | 4.3062% | 264 |
| Net loans and leases to total assets | 52.7477% | 4,554 |
| Net loans and leases to deposits | 66.4041% | 4,221 |
| Net loans and leases to core deposits | 69.2876% | 4,290 |
| Total domestic deposits to total assets | 79.4343% | 4,872 |
| Equity capital to assets | 14.7735% | 751 |
| Core capital (leverage) ratio | 13.0270% | 1,149 |
| Tier 1 risk-based capital ratio | 21.0943% | 1,308 |
| Total risk-based capital ratio | 22.3571% | 1,274 |
| Memoranda: |
| Average total assets | $76,969,500 | 4,918 |
| Average earning assets | $70,765,500 | 4,904 |
| Average equity | $11,081,000 | 4,487 |
| Average total loans | $39,750,500 | 5,015 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1651% | 2,687 |
| Cost of funding earning assets | 0.3229% | 3,990 |
| Net interest margin | 3.8421% | 2,228 |
| Noninterest income to average assets | 0.5210% | 3,192 |
| Noninterest expense to average assets | 3.1099% | 2,205 |
| Loan and lease loss provision to assets | 0.0250% | 3,887 |
| Net operating income to assets | 0.8341% | 3,183 |
| Return on assets (ROA) | 0.8354% | 3,251 |
| Pretax return on assets | 0.8933% | 3,864 |
| Return on Equity (ROE) | 5.8306% | 4,119 |
| Retained earnings to average equity (ytd only) | 2.6077% | 4,222 |
| Net charge-offs to loans | 0.4616% | 590 |
| Credit loss provision to net charge-offs | 10.5556% | 3,820 |
| Earnings coverage of net charge-offs (x) | 3.8722% | 3,647 |
| Efficiency ratio | 77.2297% | 2,084 |
| Assets per employee ($millions) | 3.4127% | 4,964 |
| Cash dividends to net income (ytd only)* | 55.2756% | 2,006 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9946% | 813 |
| Loan loss allowance to noncurrent loans | 66.2404% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.9085% | 951 |
| Noncurrent loans to loans | 3.0112% | 531 |
| Net loans and leases to total assets | 48.6387% | 4,966 |
| Net loans and leases to deposits | 59.8626% | 4,788 |
| Net loans and leases to core deposits | 60.3280% | 4,960 |
| Total domestic deposits to total assets | 81.2506% | 4,413 |
| Equity capital to assets | 14.0344% | 920 |
| Core capital (leverage) ratio | 12.9517% | 1,161 |
| Tier 1 risk-based capital ratio | 21.3934% | 1,232 |
| Total risk-based capital ratio | 22.6568% | 1,212 |
| Memoranda: |
| Average total assets | $76,014,400 | 4,947 |
| Average earning assets | $69,362,400 | 4,953 |
| Average equity | $10,890,800 | 4,499 |
| Average total loans | $38,994,200 | 5,050 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1985% | 2,577 |
| Cost of funding earning assets | 0.3240% | 4,061 |
| Net interest margin | 3.8745% | 2,115 |
| Noninterest income to average assets | 0.5288% | 3,176 |
| Noninterest expense to average assets | 2.9250% | 2,763 |
| Loan and lease loss provision to assets | 0.1892% | 1,076 |
| Net operating income to assets | 0.8418% | 3,209 |
| Return on assets (ROA) | 0.8418% | 3,298 |
| Pretax return on assets | 0.9461% | 3,828 |
| Return on Equity (ROE) | 5.8442% | 4,227 |
| Retained earnings to average equity (ytd only) | 3.1922% | 4,190 |
| Net charge-offs to loans | 0.9401% | 205 |
| Credit loss provision to net charge-offs | 38.9091% | 3,171 |
| Earnings coverage of net charge-offs (x) | 2.3345% | 3,685 |
| Efficiency ratio | 72.0383% | 2,875 |
| Assets per employee ($millions) | 3.7758% | 4,310 |
| Cash dividends to net income (ytd only)* | 45.3778% | 2,075 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0556% | 838 |
| Loan loss allowance to noncurrent loans | 97.1033% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5361% | 1,453 |
| Noncurrent loans to loans | 2.1169% | 1,065 |
| Net loans and leases to total assets | 48.6486% | 5,038 |
| Net loans and leases to deposits | 59.4123% | 4,897 |
| Net loans and leases to core deposits | 61.3900% | 4,974 |
| Total domestic deposits to total assets | 81.8831% | 4,203 |
| Equity capital to assets | 14.5309% | 849 |
| Core capital (leverage) ratio | 13.1840% | 1,144 |
| Tier 1 risk-based capital ratio | 22.0564% | 1,189 |
| Total risk-based capital ratio | 23.3203% | 1,166 |
| Memoranda: |
| Average total assets | $75,394,750 | 5,016 |
| Average earning assets | $68,722,000 | 5,024 |
| Average equity | $10,859,500 | 4,560 |
| Average total loans | $39,004,000 | 5,107 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2640% | 2,312 |
| Cost of funding earning assets | 0.3208% | 4,145 |
| Net interest margin | 3.9431% | 1,844 |
| Noninterest income to average assets | 0.5149% | 3,267 |
| Noninterest expense to average assets | 2.8240% | 3,150 |
| Loan and lease loss provision to assets | 0.4353% | 249 |
| Net operating income to assets | 0.7405% | 3,684 |
| Return on assets (ROA) | 0.7405% | 3,792 |
| Pretax return on assets | 0.8440% | 4,146 |
| Return on Equity (ROE) | 5.1563% | 4,546 |
| Retained earnings to average equity (ytd only) | 3.0679% | 4,088 |
| Net charge-offs to loans | 1.0885% | 180 |
| Credit loss provision to net charge-offs | 76.2791% | 2,377 |
| Earnings coverage of net charge-offs (x) | 2.2419% | 3,384 |
| Efficiency ratio | 68.8228% | 3,525 |
| Assets per employee ($millions) | 3.4518% | 4,889 |
| Cash dividends to net income (ytd only)* | 40.5018% | 2,361 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3419% | 605 |
| Loan loss allowance to noncurrent loans | 226.2755% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 1.0457% | 2,416 |
| Noncurrent loans to loans | 1.0350% | 2,578 |
| Net loans and leases to total assets | 51.0271% | 4,846 |
| Net loans and leases to deposits | 62.6554% | 4,646 |
| Net loans and leases to core deposits | 64.8264% | 4,750 |
| Total domestic deposits to total assets | 81.4408% | 4,466 |
| Equity capital to assets | 14.9075% | 721 |
| Core capital (leverage) ratio | 13.1673% | 1,108 |
| Tier 1 risk-based capital ratio | 22.0056% | 1,210 |
| Total risk-based capital ratio | 23.2758% | 1,186 |
| Memoranda: |
| Average total assets | $75,354,670 | 5,070 |
| Average earning assets | $68,574,670 | 5,076 |
| Average equity | $10,821,670 | 4,599 |
| Average total loans | $39,502,670 | 5,131 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2855% | 2,144 |
| Cost of funding earning assets | 0.3266% | 4,144 |
| Net interest margin | 3.9589% | 1,692 |
| Noninterest income to average assets | 0.5782% | 2,785 |
| Noninterest expense to average assets | 2.9796% | 2,642 |
| Loan and lease loss provision to assets | 0.1667% | 1,200 |
| Net operating income to assets | 0.9741% | 2,371 |
| Return on assets (ROA) | 0.9741% | 2,507 |
| Pretax return on assets | 1.0314% | 3,372 |
| Return on Equity (ROE) | 6.9071% | 3,556 |
| Retained earnings to average equity (ytd only) | 4.8386% | 3,152 |
| Net charge-offs to loans | 1.8355% | 99 |
| Credit loss provision to net charge-offs | 17.2973% | 2,383 |
| Earnings coverage of net charge-offs (x) | 1.2432% | 2,948 |
| Efficiency ratio | 71.3217% | 3,279 |
| Assets per employee ($millions) | 3.5779% | 4,763 |
| Cash dividends to net income (ytd only)* | 29.9465% | 2,345 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9751% | 1,128 |
| Loan loss allowance to noncurrent loans | 150.9615% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 2,361 |
| Noncurrent loans to loans | 1.3084% | 2,196 |
| Net loans and leases to total assets | 51.8513% | 4,675 |
| Net loans and leases to deposits | 64.3270% | 4,339 |
| Net loans and leases to core deposits | 66.4966% | 4,470 |
| Total domestic deposits to total assets | 80.6058% | 4,913 |
| Equity capital to assets | 14.5629% | 816 |
| Core capital (leverage) ratio | 13.3573% | 1,030 |
| Tier 1 risk-based capital ratio | 22.3374% | 1,192 |
| Total risk-based capital ratio | 23.5916% | 1,175 |
| Memoranda: |
| Average total assets | $76,788,500 | 5,095 |
| Average earning assets | $69,816,500 | 5,093 |
| Average equity | $10,829,500 | 4,631 |
| Average total loans | $40,316,500 | 5,128 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3802% | 2,285 |
| Cost of funding earning assets | 0.3556% | 4,194 |
| Net interest margin | 4.0246% | 1,822 |
| Noninterest income to average assets | 0.2956% | 5,004 |
| Noninterest expense to average assets | 2.8762% | 3,219 |
| Loan and lease loss provision to assets | -0.0361% | 5,990 |
| Net operating income to assets | 0.9552% | 2,603 |
| Return on assets (ROA) | 0.9966% | 2,476 |
| Pretax return on assets | 1.1257% | 2,984 |
| Return on Equity (ROE) | 7.4215% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.1528% | 2,497 |
| Net charge-offs to loans | 0.2097% | 1,990 |
| Credit loss provision to net charge-offs | -33.7349% | 5,384 |
| Earnings coverage of net charge-offs (x) | 9.7349% | 2,709 |
| Efficiency ratio | 73.3860% | 2,950 |
| Assets per employee ($millions) | 3.5655% | 4,785 |
| Cash dividends to net income (ytd only)* | 30.5699% | 3,363 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2940% | 728 |
| Loan loss allowance to noncurrent loans | 152.2727% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 1.5872% | 1,702 |
| Noncurrent loans to loans | 1.5065% | 1,945 |
| Net loans and leases to total assets | 50.9313% | 4,877 |
| Net loans and leases to deposits | 62.3776% | 4,694 |
| Net loans and leases to core deposits | 64.3644% | 4,802 |
| Total domestic deposits to total assets | 81.6499% | 4,549 |
| Equity capital to assets | 13.6625% | 1,090 |
| Core capital (leverage) ratio | 12.8520% | 1,197 |
| Tier 1 risk-based capital ratio | 21.0587% | 1,393 |
| Total risk-based capital ratio | 22.3172% | 1,361 |
| Memoranda: |
| Average total assets | $77,463,400 | 5,118 |
| Average earning assets | $69,745,800 | 5,128 |
| Average equity | $10,402,200 | 4,677 |
| Average total loans | $39,573,600 | 5,197 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3489% | 2,429 |
| Cost of funding earning assets | 0.3603% | 4,230 |
| Net interest margin | 3.9886% | 1,915 |
| Noninterest income to average assets | 0.3125% | 4,941 |
| Noninterest expense to average assets | 3.0182% | 2,741 |
| Loan and lease loss provision to assets | 0.0587% | 3,195 |
| Net operating income to assets | 0.7338% | 3,759 |
| Return on assets (ROA) | 0.7891% | 3,579 |
| Pretax return on assets | 0.8909% | 4,029 |
| Return on Equity (ROE) | 5.9023% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.5775% | 4,102 |
| Net charge-offs to loans | 0.2208% | 1,715 |
| Credit loss provision to net charge-offs | 52.3077% | 3,067 |
| Earnings coverage of net charge-offs (x) | 7.9081% | 2,875 |
| Efficiency ratio | 77.2767% | 2,305 |
| Assets per employee ($millions) | 3.3357% | 5,176 |
| Cash dividends to net income (ytd only)* | 39.3865% | 2,376 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4835% | 661 |
| Loan loss allowance to noncurrent loans | 158.3204% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 2.0112% | 1,421 |
| Noncurrent loans to loans | 1.5686% | 2,074 |
| Net loans and leases to total assets | 52.1025% | 4,796 |
| Net loans and leases to deposits | 64.0367% | 4,533 |
| Net loans and leases to core deposits | 66.1290% | 4,693 |
| Total domestic deposits to total assets | 81.3634% | 4,708 |
| Equity capital to assets | 13.6679% | 1,119 |
| Core capital (leverage) ratio | 12.4652% | 1,422 |
| Tier 1 risk-based capital ratio | 19.9358% | 1,690 |
| Total risk-based capital ratio | 21.1782% | 1,664 |
| Memoranda: |
| Average total assets | $77,219,000 | 5,181 |
| Average earning assets | $69,563,500 | 5,185 |
| Average equity | $10,323,500 | 4,724 |
| Average total loans | $39,244,750 | 5,269 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2443% | 2,788 |
| Cost of funding earning assets | 0.3573% | 4,343 |
| Net interest margin | 3.8870% | 2,227 |
| Noninterest income to average assets | 0.3877% | 4,340 |
| Noninterest expense to average assets | 3.1375% | 2,368 |
| Loan and lease loss provision to assets | -0.1266% | 6,404 |
| Net operating income to assets | 0.8064% | 3,291 |
| Return on assets (ROA) | 0.8064% | 3,398 |
| Pretax return on assets | 0.8632% | 4,026 |
| Return on Equity (ROE) | 6.0763% | 4,114 |
| Retained earnings to average equity (ytd only) | 3.7393% | 3,812 |
| Net charge-offs to loans | 0.3983% | 1,017 |
| Credit loss provision to net charge-offs | -63.6364% | 5,199 |
| Earnings coverage of net charge-offs (x) | 3.7013% | 3,239 |
| Efficiency ratio | 80.9873% | 1,879 |
| Assets per employee ($millions) | 3.3578% | 5,145 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,474 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2759% | 924 |
| Loan loss allowance to noncurrent loans | 126.2654% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 2.1378% | 1,444 |
| Noncurrent loans to loans | 1.8025% | 1,898 |
| Net loans and leases to total assets | 51.3168% | 4,817 |
| Net loans and leases to deposits | 64.0155% | 4,498 |
| Net loans and leases to core deposits | 66.1250% | 4,628 |
| Total domestic deposits to total assets | 80.1631% | 5,201 |
| Equity capital to assets | 13.4986% | 1,155 |
| Core capital (leverage) ratio | 12.5458% | 1,372 |
| Tier 1 risk-based capital ratio | 18.6372% | 2,025 |
| Total risk-based capital ratio | 19.8947% | 1,980 |
| Memoranda: |
| Average total assets | $77,385,330 | 5,218 |
| Average earning assets | $69,410,000 | 5,229 |
| Average equity | $10,269,330 | 4,749 |
| Average total loans | $38,662,670 | 5,323 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2093% | 2,840 |
| Cost of funding earning assets | 0.3716% | 4,297 |
| Net interest margin | 3.8378% | 2,311 |
| Noninterest income to average assets | 0.4286% | 3,961 |
| Noninterest expense to average assets | 3.0983% | 2,539 |
| Loan and lease loss provision to assets | -0.2530% | 6,598 |
| Net operating income to assets | 0.9450% | 2,430 |
| Return on assets (ROA) | 0.9450% | 2,501 |
| Pretax return on assets | 0.9966% | 3,329 |
| Return on Equity (ROE) | 7.1825% | 3,364 |
| Retained earnings to average equity (ytd only) | 4.5136% | 3,409 |
| Net charge-offs to loans | 0.6787% | 540 |
| Credit loss provision to net charge-offs | -76.5625% | 4,805 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 2,923 |
| Efficiency ratio | 80.6452% | 2,101 |
| Assets per employee ($millions) | 3.5462% | 4,834 |
| Cash dividends to net income (ytd only)* | 37.1585% | 2,089 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4287% | 879 |
| Loan loss allowance to noncurrent loans | 187.2000% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 1.7753% | 1,981 |
| Noncurrent loans to loans | 1.2974% | 2,858 |
| Net loans and leases to total assets | 48.1985% | 5,098 |
| Net loans and leases to deposits | 57.8908% | 4,960 |
| Net loans and leases to core deposits | 59.6930% | 5,066 |
| Total domestic deposits to total assets | 83.2575% | 4,515 |
| Equity capital to assets | 13.1971% | 1,215 |
| Core capital (leverage) ratio | 12.9098% | 1,201 |
| Tier 1 risk-based capital ratio | 21.2593% | 1,424 |
| Total risk-based capital ratio | 22.5199% | 1,399 |
| Memoranda: |
| Average total assets | $77,463,000 | 5,268 |
| Average earning assets | $68,894,500 | 5,295 |
| Average equity | $10,191,500 | 4,777 |
| Average total loans | $37,716,500 | 5,400 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6248% | 1,784 |
| Cost of funding earning assets | 0.4398% | 4,221 |
| Net interest margin | 4.1850% | 1,399 |
| Noninterest income to average assets | 0.3507% | 4,806 |
| Noninterest expense to average assets | 2.9374% | 3,239 |
| Loan and lease loss provision to assets | -0.0847% | 6,460 |
| Net operating income to assets | 1.0669% | 2,051 |
| Return on assets (ROA) | 1.0669% | 2,132 |
| Pretax return on assets | 1.2188% | 2,503 |
| Return on Equity (ROE) | 7.7137% | 3,190 |
| Retained earnings to average equity (ytd only) | -1.3698% | 6,110 |
| Net charge-offs to loans | 0.6956% | 930 |
| Credit loss provision to net charge-offs | -24.6094% | 5,727 |
| Earnings coverage of net charge-offs (x) | 3.2969% | 3,905 |
| Efficiency ratio | 72.1452% | 3,449 |
| Assets per employee ($millions) | 3.2045% | 5,480 |
| Cash dividends to net income (ytd only)* | 117.7582% | 245 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8433% | 566 |
| Loan loss allowance to noncurrent loans | 164.4201% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.8580% | 1,967 |
| Noncurrent loans to loans | 1.7293% | 2,324 |
| Net loans and leases to total assets | 46.6070% | 5,436 |
| Net loans and leases to deposits | 55.1105% | 5,381 |
| Net loans and leases to core deposits | 55.5039% | 5,577 |
| Total domestic deposits to total assets | 84.5701% | 3,938 |
| Equity capital to assets | 13.1155% | 1,220 |
| Core capital (leverage) ratio | 12.7242% | 1,246 |
| Tier 1 risk-based capital ratio | 21.8570% | 1,284 |
| Total risk-based capital ratio | 23.1211% | 1,255 |
| Memoranda: |
| Average total assets | $74,419,200 | 5,368 |
| Average earning assets | $66,164,600 | 5,401 |
| Average equity | $10,293,400 | 4,787 |
| Average total loans | $36,804,800 | 5,464 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6777% | 1,654 |
| Cost of funding earning assets | 0.4498% | 4,277 |
| Net interest margin | 4.2279% | 1,251 |
| Noninterest income to average assets | 0.3541% | 4,862 |
| Noninterest expense to average assets | 3.0443% | 2,843 |
| Loan and lease loss provision to assets | -0.2800% | 6,764 |
| Net operating income to assets | 1.1924% | 1,663 |
| Return on assets (ROA) | 1.1924% | 1,736 |
| Pretax return on assets | 1.3767% | 2,009 |
| Return on Equity (ROE) | 8.5063% | 2,879 |
| Retained earnings to average equity (ytd only) | -2.8612% | 6,342 |
| Net charge-offs to loans | 0.8446% | 697 |
| Credit loss provision to net charge-offs | -66.5236% | 5,737 |
| Earnings coverage of net charge-offs (x) | 2.6051% | 3,971 |
| Efficiency ratio | 73.5166% | 3,142 |
| Assets per employee ($millions) | 3.7769% | 4,289 |
| Cash dividends to net income (ytd only)* | 133.6360% | 170 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6303% | 810 |
| Loan loss allowance to noncurrent loans | 240.7862% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 1.6429% | 2,502 |
| Noncurrent loans to loans | 1.0924% | 3,610 |
| Net loans and leases to total assets | 48.0262% | 5,345 |
| Net loans and leases to deposits | 57.0490% | 5,275 |
| Net loans and leases to core deposits | 57.4646% | 5,492 |
| Total domestic deposits to total assets | 84.1841% | 4,119 |
| Equity capital to assets | 13.2582% | 1,217 |
| Core capital (leverage) ratio | 13.2345% | 1,117 |
| Tier 1 risk-based capital ratio | 21.4764% | 1,405 |
| Total risk-based capital ratio | 22.7587% | 1,369 |
| Memoranda: |
| Average total assets | $73,796,750 | 5,433 |
| Average earning assets | $66,098,500 | 5,453 |
| Average equity | $10,345,000 | 4,825 |
| Average total loans | $36,782,500 | 5,520 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5439% | 2,048 |
| Cost of funding earning assets | 0.4694% | 4,214 |
| Net interest margin | 4.0745% | 1,618 |
| Noninterest income to average assets | 0.3797% | 4,672 |
| Noninterest expense to average assets | 3.2616% | 2,183 |
| Loan and lease loss provision to assets | -0.4644% | 6,869 |
| Net operating income to assets | 1.1254% | 1,835 |
| Return on assets (ROA) | 1.1254% | 1,954 |
| Pretax return on assets | 1.2101% | 2,628 |
| Return on Equity (ROE) | 7.8814% | 3,151 |
| Retained earnings to average equity (ytd only) | -8.0153% | 6,609 |
| Net charge-offs to loans | 0.6662% | 987 |
| Credit loss provision to net charge-offs | -139.3443% | 5,657 |
| Earnings coverage of net charge-offs (x) | 2.2377% | 3,779 |
| Efficiency ratio | 81.3906% | 1,978 |
| Assets per employee ($millions) | 3.5755% | 4,684 |
| Cash dividends to net income (ytd only)* | 201.6990% | 91 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8954% | 644 |
| Loan loss allowance to noncurrent loans | 125.4079% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 2.5437% | 1,656 |
| Noncurrent loans to loans | 2.3087% | 2,047 |
| Net loans and leases to total assets | 50.4643% | 5,059 |
| Net loans and leases to deposits | 60.6790% | 4,895 |
| Net loans and leases to core deposits | 61.8330% | 5,108 |
| Total domestic deposits to total assets | 83.1660% | 4,640 |
| Equity capital to assets | 13.9855% | 975 |
| Core capital (leverage) ratio | 13.0971% | 1,130 |
| Tier 1 risk-based capital ratio | 21.4415% | 1,395 |
| Total risk-based capital ratio | 22.7283% | 1,362 |
| Memoranda: |
| Average total assets | $73,216,330 | 5,481 |
| Average earning assets | $65,186,000 | 5,525 |
| Average equity | $10,455,000 | 4,840 |
| Average total loans | $36,624,000 | 5,556 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3816% | 2,590 |
| Cost of funding earning assets | 0.4875% | 4,203 |
| Net interest margin | 3.8941% | 2,139 |
| Noninterest income to average assets | 0.4104% | 4,384 |
| Noninterest expense to average assets | 3.6884% | 1,264 |
| Loan and lease loss provision to assets | -0.4644% | 6,950 |
| Net operating income to assets | 0.5670% | 4,376 |
| Return on assets (ROA) | 0.5670% | 4,525 |
| Pretax return on assets | 0.6372% | 4,814 |
| Return on Equity (ROE) | 3.9318% | 5,128 |
| Retained earnings to average equity (ytd only) | -0.6740% | 5,911 |
| Net charge-offs to loans | 1.5844% | 333 |
| Credit loss provision to net charge-offs | -59.7222% | 5,078 |
| Earnings coverage of net charge-offs (x) | 0.2222% | 3,742 |
| Efficiency ratio | 95.5245% | 752 |
| Assets per employee ($millions) | 3.6213% | 4,734 |
| Cash dividends to net income (ytd only)* | 117.1429% | 517 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1716% | 562 |
| Loan loss allowance to noncurrent loans | 100.5300% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.8996% | 1,556 |
| Noncurrent loans to loans | 3.1549% | 1,566 |
| Net loans and leases to total assets | 47.9710% | 5,231 |
| Net loans and leases to deposits | 56.9800% | 5,139 |
| Net loans and leases to core deposits | 58.0220% | 5,343 |
| Total domestic deposits to total assets | 84.1892% | 4,397 |
| Equity capital to assets | 14.6993% | 827 |
| Core capital (leverage) ratio | 13.4188% | 967 |
| Tier 1 risk-based capital ratio | 22.8372% | 1,187 |
| Total risk-based capital ratio | 24.1241% | 1,155 |
| Memoranda: |
| Average total assets | $74,069,500 | 5,510 |
| Average earning assets | $65,638,500 | 5,557 |
| Average equity | $10,682,000 | 4,841 |
| Average total loans | $36,354,500 | 5,605 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4289% | 3,704 |
| Cost of funding earning assets | 0.6806% | 3,648 |
| Net interest margin | 3.7483% | 3,449 |
| Noninterest income to average assets | 0.4907% | 3,962 |
| Noninterest expense to average assets | 2.8450% | 3,858 |
| Loan and lease loss provision to assets | 0.0428% | 5,318 |
| Net operating income to assets | 0.8730% | 2,945 |
| Return on assets (ROA) | 0.8730% | 3,187 |
| Pretax return on assets | 0.9679% | 3,663 |
| Return on Equity (ROE) | 6.1365% | 4,095 |
| Retained earnings to average equity (ytd only) | 0.8364% | 5,450 |
| Net charge-offs to loans | 0.3182% | 3,051 |
| Credit loss provision to net charge-offs | 28.3186% | 5,149 |
| Earnings coverage of net charge-offs (x) | 6.6903% | 2,765 |
| Efficiency ratio | 73.7864% | 3,100 |
| Assets per employee ($millions) | 3.7857% | 4,397 |
| Cash dividends to net income (ytd only)* | 86.3706% | 812 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7146% | 352 |
| Loan loss allowance to noncurrent loans | 101.4085% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 3.1355% | 1,494 |
| Noncurrent loans to loans | 3.6630% | 1,335 |
| Net loans and leases to total assets | 46.8341% | 5,531 |
| Net loans and leases to deposits | 57.0932% | 5,328 |
| Net loans and leases to core deposits | 57.5052% | 5,592 |
| Total domestic deposits to total assets | 82.0311% | 5,081 |
| Equity capital to assets | 14.1559% | 985 |
| Core capital (leverage) ratio | 13.0588% | 1,097 |
| Tier 1 risk-based capital ratio | 22.4502% | 1,187 |
| Total risk-based capital ratio | 23.7447% | 1,158 |
| Memoranda: |
| Average total assets | $74,798,400 | 5,490 |
| Average earning assets | $67,150,600 | 5,514 |
| Average equity | $10,641,200 | 4,832 |
| Average total loans | $35,507,600 | 5,700 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3978% | 4,058 |
| Cost of funding earning assets | 0.7022% | 3,751 |
| Net interest margin | 3.6956% | 3,815 |
| Noninterest income to average assets | 0.4452% | 4,327 |
| Noninterest expense to average assets | 2.9967% | 3,245 |
| Loan and lease loss provision to assets | 0.0805% | 4,628 |
| Net operating income to assets | 0.6312% | 4,230 |
| Return on assets (ROA) | 0.6312% | 4,486 |
| Pretax return on assets | 0.6991% | 4,863 |
| Return on Equity (ROE) | 4.4309% | 5,083 |
| Retained earnings to average equity (ytd only) | -1.0669% | 6,286 |
| Net charge-offs to loans | 0.3676% | 2,636 |
| Credit loss provision to net charge-offs | 46.3918% | 4,484 |
| Earnings coverage of net charge-offs (x) | 4.4949% | 3,289 |
| Efficiency ratio | 79.3561% | 2,190 |
| Assets per employee ($millions) | 3.5105% | 4,958 |
| Cash dividends to net income (ytd only)* | 124.0816% | 178 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8155% | 354 |
| Loan loss allowance to noncurrent loans | 100.4313% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 3.2908% | 1,551 |
| Noncurrent loans to loans | 3.7991% | 1,391 |
| Net loans and leases to total assets | 47.7713% | 5,578 |
| Net loans and leases to deposits | 58.5301% | 5,373 |
| Net loans and leases to core deposits | 58.9653% | 5,665 |
| Total domestic deposits to total assets | 81.6183% | 5,157 |
| Equity capital to assets | 14.4031% | 1,001 |
| Core capital (leverage) ratio | 13.1160% | 1,144 |
| Tier 1 risk-based capital ratio | 22.3793% | 1,267 |
| Total risk-based capital ratio | 23.6039% | 1,249 |
| Memoranda: |
| Average total assets | $74,569,500 | 5,555 |
| Average earning assets | $67,214,250 | 5,576 |
| Average equity | $10,622,000 | 4,883 |
| Average total loans | $35,177,500 | 5,786 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3661% | 4,321 |
| Cost of funding earning assets | 0.7440% | 3,655 |
| Net interest margin | 3.6221% | 4,175 |
| Noninterest income to average assets | 0.4703% | 4,132 |
| Noninterest expense to average assets | 2.9017% | 3,612 |
| Loan and lease loss provision to assets | 0.0802% | 4,602 |
| Net operating income to assets | 0.6519% | 4,102 |
| Return on assets (ROA) | 0.6519% | 4,360 |
| Pretax return on assets | 0.7535% | 4,634 |
| Return on Equity (ROE) | 4.5937% | 4,996 |
| Retained earnings to average equity (ytd only) | -0.9413% | 6,202 |
| Net charge-offs to loans | 0.5764% | 1,876 |
| Credit loss provision to net charge-offs | 30.0000% | 4,444 |
| Earnings coverage of net charge-offs (x) | 3.1200% | 3,496 |
| Efficiency ratio | 77.6824% | 2,502 |
| Assets per employee ($millions) | 3.3258% | 5,391 |
| Cash dividends to net income (ytd only)* | 120.4918% | 265 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9241% | 361 |
| Loan loss allowance to noncurrent loans | 126.5138% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 2.8264% | 1,949 |
| Noncurrent loans to loans | 3.1017% | 1,895 |
| Net loans and leases to total assets | 46.1445% | 5,811 |
| Net loans and leases to deposits | 56.6208% | 5,587 |
| Net loans and leases to core deposits | 57.0456% | 5,858 |
| Total domestic deposits to total assets | 81.4974% | 5,299 |
| Equity capital to assets | 14.5364% | 909 |
| Core capital (leverage) ratio | 13.2423% | 1,075 |
| Tier 1 risk-based capital ratio | 23.0665% | 1,121 |
| Total risk-based capital ratio | 24.3571% | 1,098 |
| Memoranda: |
| Average total assets | $74,852,670 | 5,582 |
| Average earning assets | $67,474,670 | 5,605 |
| Average equity | $10,623,330 | 4,890 |
| Average total loans | $34,698,670 | 5,844 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3107% | 4,694 |
| Cost of funding earning assets | 0.7704% | 3,693 |
| Net interest margin | 3.5403% | 4,522 |
| Noninterest income to average assets | 0.3910% | 4,735 |
| Noninterest expense to average assets | 3.0121% | 3,197 |
| Loan and lease loss provision to assets | 0.0793% | 4,405 |
| Net operating income to assets | 0.3752% | 5,367 |
| Return on assets (ROA) | 0.3752% | 5,548 |
| Pretax return on assets | 0.4809% | 5,486 |
| Return on Equity (ROE) | 2.6750% | 5,839 |
| Retained earnings to average equity (ytd only) | -2.9764% | 6,392 |
| Net charge-offs to loans | 0.4641% | 1,928 |
| Credit loss provision to net charge-offs | 37.5000% | 3,487 |
| Earnings coverage of net charge-offs (x) | 2.6500% | 3,120 |
| Efficiency ratio | 84.3195% | 1,652 |
| Assets per employee ($millions) | 3.5399% | 5,028 |
| Cash dividends to net income (ytd only)* | 211.2676% | 153 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2095% | 314 |
| Loan loss allowance to noncurrent loans | 99.1649% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 3.1142% | 1,862 |
| Noncurrent loans to loans | 4.2449% | 1,417 |
| Net loans and leases to total assets | 43.6216% | 6,050 |
| Net loans and leases to deposits | 53.1730% | 5,890 |
| Net loans and leases to core deposits | 53.5505% | 6,091 |
| Total domestic deposits to total assets | 82.0372% | 5,284 |
| Equity capital to assets | 14.1558% | 965 |
| Core capital (leverage) ratio | 12.8686% | 1,178 |
| Tier 1 risk-based capital ratio | 23.6500% | 1,050 |
| Total risk-based capital ratio | 24.9506% | 1,027 |
| Memoranda: |
| Average total assets | $75,695,000 | 5,601 |
| Average earning assets | $68,016,500 | 5,623 |
| Average equity | $10,617,000 | 4,901 |
| Average total loans | $34,477,000 | 5,900 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9289% | 3,211 |
| Cost of funding earning assets | 1.0985% | 2,685 |
| Net interest margin | 3.8304% | 3,673 |
| Noninterest income to average assets | 0.4010% | 4,610 |
| Noninterest expense to average assets | 2.9816% | 3,661 |
| Loan and lease loss provision to assets | 0.1615% | 4,614 |
| Net operating income to assets | 0.6192% | 3,891 |
| Return on assets (ROA) | 0.7199% | 3,560 |
| Pretax return on assets | 0.7663% | 4,094 |
| Return on Equity (ROE) | 5.2421% | 4,275 |
| Retained earnings to average equity (ytd only) | 1.6960% | 5,006 |
| Net charge-offs to loans | 0.6357% | 2,552 |
| Credit loss provision to net charge-offs | 53.5088% | 5,335 |
| Earnings coverage of net charge-offs (x) | 2.7193% | 3,855 |
| Efficiency ratio | 78.4198% | 2,538 |
| Assets per employee ($millions) | 3.3501% | 5,376 |
| Cash dividends to net income (ytd only)* | 67.6471% | 1,239 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1280% | 347 |
| Loan loss allowance to noncurrent loans | 166.3605% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 2.1492% | 2,788 |
| Noncurrent loans to loans | 2.4813% | 2,651 |
| Net loans and leases to total assets | 43.6751% | 6,239 |
| Net loans and leases to deposits | 53.2459% | 6,123 |
| Net loans and leases to core deposits | 53.6106% | 6,328 |
| Total domestic deposits to total assets | 82.0254% | 5,119 |
| Equity capital to assets | 13.9008% | 1,101 |
| Core capital (leverage) ratio | 13.1804% | 1,079 |
| Tier 1 risk-based capital ratio | 23.0085% | 1,098 |
| Total risk-based capital ratio | 24.3083% | 1,078 |
| Memoranda: |
| Average total assets | $75,562,600 | 5,587 |
| Average earning assets | $67,094,000 | 5,639 |
| Average equity | $10,377,600 | 4,931 |
| Average total loans | $35,866,000 | 5,873 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0293% | 2,941 |
| Cost of funding earning assets | 1.1769% | 2,472 |
| Net interest margin | 3.8524% | 3,602 |
| Noninterest income to average assets | 0.5940% | 3,210 |
| Noninterest expense to average assets | 3.0393% | 3,405 |
| Loan and lease loss provision to assets | 0.1702% | 4,338 |
| Net operating income to assets | 0.6632% | 3,804 |
| Return on assets (ROA) | 0.6632% | 3,978 |
| Pretax return on assets | 0.8033% | 4,118 |
| Return on Equity (ROE) | 4.8440% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.3211% | 5,480 |
| Net charge-offs to loans | 0.6138% | 2,410 |
| Credit loss provision to net charge-offs | 57.8313% | 4,856 |
| Earnings coverage of net charge-offs (x) | 3.3072% | 3,488 |
| Efficiency ratio | 75.7402% | 2,879 |
| Assets per employee ($millions) | 3.0680% | 5,969 |
| Cash dividends to net income (ytd only)* | 72.7284% | 800 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2757% | 321 |
| Loan loss allowance to noncurrent loans | 167.2297% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 2.4215% | 2,663 |
| Noncurrent loans to loans | 2.5568% | 2,710 |
| Net loans and leases to total assets | 45.1522% | 6,226 |
| Net loans and leases to deposits | 55.8222% | 6,051 |
| Net loans and leases to core deposits | 56.4774% | 6,278 |
| Total domestic deposits to total assets | 80.8858% | 5,472 |
| Equity capital to assets | 14.3309% | 1,047 |
| Core capital (leverage) ratio | 13.2858% | 1,114 |
| Tier 1 risk-based capital ratio | 22.8316% | 1,169 |
| Total risk-based capital ratio | 24.1225% | 1,144 |
| Memoranda: |
| Average total assets | $75,190,000 | 5,638 |
| Average earning assets | $66,727,000 | 5,688 |
| Average equity | $10,294,250 | 4,968 |
| Average total loans | $36,057,000 | 5,917 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1072% | 2,646 |
| Cost of funding earning assets | 1.2441% | 2,294 |
| Net interest margin | 3.8631% | 3,476 |
| Noninterest income to average assets | 0.4729% | 4,085 |
| Noninterest expense to average assets | 3.0934% | 3,281 |
| Loan and lease loss provision to assets | 0.2483% | 3,427 |
| Net operating income to assets | 0.5653% | 4,236 |
| Return on assets (ROA) | 0.5653% | 4,360 |
| Pretax return on assets | 0.5680% | 4,849 |
| Return on Equity (ROE) | 4.1927% | 4,840 |
| Retained earnings to average equity (ytd only) | 1.0384% | 5,447 |
| Net charge-offs to loans | 0.8055% | 1,894 |
| Credit loss provision to net charge-offs | 63.9456% | 4,234 |
| Earnings coverage of net charge-offs (x) | 2.1020% | 3,798 |
| Efficiency ratio | 79.1216% | 2,535 |
| Assets per employee ($millions) | 3.0950% | 5,889 |
| Cash dividends to net income (ytd only)* | 75.2336% | 905 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2144% | 354 |
| Loan loss allowance to noncurrent loans | 157.1130% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 2.3788% | 2,772 |
| Noncurrent loans to loans | 2.6824% | 2,713 |
| Net loans and leases to total assets | 45.9579% | 6,275 |
| Net loans and leases to deposits | 59.3230% | 5,792 |
| Net loans and leases to core deposits | 60.3102% | 6,065 |
| Total domestic deposits to total assets | 77.4707% | 6,382 |
| Equity capital to assets | 13.9713% | 1,104 |
| Core capital (leverage) ratio | 12.9856% | 1,167 |
| Tier 1 risk-based capital ratio | 20.7363% | 1,470 |
| Total risk-based capital ratio | 22.0308% | 1,437 |
| Memoranda: |
| Average total assets | $75,709,670 | 5,663 |
| Average earning assets | $67,356,000 | 5,718 |
| Average equity | $10,208,330 | 4,992 |
| Average total loans | $36,499,000 | 5,955 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2143% | 2,172 |
| Cost of funding earning assets | 1.2947% | 2,209 |
| Net interest margin | 3.9195% | 3,046 |
| Noninterest income to average assets | 0.6071% | 3,113 |
| Noninterest expense to average assets | 2.9415% | 3,884 |
| Loan and lease loss provision to assets | 0.2355% | 3,305 |
| Net operating income to assets | 0.5391% | 4,319 |
| Return on assets (ROA) | 0.5391% | 4,401 |
| Pretax return on assets | 0.9159% | 3,440 |
| Return on Equity (ROE) | 4.0697% | 4,859 |
| Retained earnings to average equity (ytd only) | 1.3829% | 5,274 |
| Net charge-offs to loans | 1.2565% | 1,101 |
| Credit loss provision to net charge-offs | 38.7931% | 3,975 |
| Earnings coverage of net charge-offs (x) | 1.8966% | 3,359 |
| Efficiency ratio | 71.8670% | 3,896 |
| Assets per employee ($millions) | 3.4194% | 5,193 |
| Cash dividends to net income (ytd only)* | 66.0194% | 1,110 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1854% | 376 |
| Loan loss allowance to noncurrent loans | 175.4137% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 2.2093% | 3,051 |
| Noncurrent loans to loans | 2.3860% | 3,105 |
| Net loans and leases to total assets | 45.1606% | 6,364 |
| Net loans and leases to deposits | 57.3733% | 5,989 |
| Net loans and leases to core deposits | 59.3177% | 6,159 |
| Total domestic deposits to total assets | 78.7138% | 6,256 |
| Equity capital to assets | 13.5204% | 1,173 |
| Core capital (leverage) ratio | 12.5478% | 1,305 |
| Tier 1 risk-based capital ratio | 22.6730% | 1,125 |
| Total risk-based capital ratio | 23.9734% | 1,101 |
| Memoranda: |
| Average total assets | $76,424,000 | 5,686 |
| Average earning assets | $67,967,500 | 5,733 |
| Average equity | $10,123,500 | 5,013 |
| Average total loans | $36,928,500 | 5,991 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5001% | 2,280 |
| Cost of funding earning assets | 1.5609% | 2,298 |
| Net interest margin | 3.9392% | 3,306 |
| Noninterest income to average assets | 0.4355% | 4,632 |
| Noninterest expense to average assets | 3.3922% | 2,456 |
| Loan and lease loss provision to assets | 1.6727% | 851 |
| Net operating income to assets | -0.5113% | 6,394 |
| Return on assets (ROA) | -0.5113% | 6,424 |
| Pretax return on assets | -1.1248% | 6,706 |
| Return on Equity (ROE) | -3.7906% | 6,344 |
| Retained earnings to average equity (ytd only) | -6.4675% | 6,426 |
| Net charge-offs to loans | 0.7617% | 2,736 |
| Credit loss provision to net charge-offs | 441.6667% | 524 |
| Earnings coverage of net charge-offs (x) | 1.4467% | 4,670 |
| Efficiency ratio | 86.0942% | 1,687 |
| Assets per employee ($millions) | 3.6962% | 4,473 |
| Cash dividends to net income (ytd only)* | -70.6173% | 7,603 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0495% | 379 |
| Loan loss allowance to noncurrent loans | 110.5188% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 2.1257% | 3,183 |
| Noncurrent loans to loans | 3.6641% | 2,037 |
| Net loans and leases to total assets | 47.4678% | 6,442 |
| Net loans and leases to deposits | 59.6062% | 6,101 |
| Net loans and leases to core deposits | 61.8350% | 6,248 |
| Total domestic deposits to total assets | 79.6357% | 5,929 |
| Equity capital to assets | 12.9810% | 1,396 |
| Core capital (leverage) ratio | 12.1118% | 1,475 |
| Tier 1 risk-based capital ratio | 21.5346% | 1,240 |
| Total risk-based capital ratio | 22.8325% | 1,214 |
| Memoranda: |
| Average total assets | $79,212,000 | 5,613 |
| Average earning assets | $70,471,800 | 5,651 |
| Average equity | $10,684,200 | 4,939 |
| Average total loans | $39,386,800 | 5,948 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5023% | 2,427 |
| Cost of funding earning assets | 1.6019% | 2,378 |
| Net interest margin | 3.9004% | 3,520 |
| Noninterest income to average assets | 0.4421% | 4,626 |
| Noninterest expense to average assets | 3.6259% | 1,728 |
| Loan and lease loss provision to assets | 1.0601% | 1,390 |
| Net operating income to assets | -0.2110% | 6,335 |
| Return on assets (ROA) | -0.2110% | 6,392 |
| Pretax return on assets | -0.7738% | 6,722 |
| Return on Equity (ROE) | -1.5504% | 6,350 |
| Retained earnings to average equity (ytd only) | -4.2326% | 6,485 |
| Net charge-offs to loans | 0.9890% | 2,024 |
| Credit loss provision to net charge-offs | 215.3061% | 1,624 |
| Earnings coverage of net charge-offs (x) | 0.5816% | 5,437 |
| Efficiency ratio | 92.6798% | 1,071 |
| Assets per employee ($millions) | 3.5817% | 4,774 |
| Cash dividends to net income (ytd only)* | -173.0119% | 7,725 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1688% | 1,860 |
| Loan loss allowance to noncurrent loans | 52.8589% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 2.4696% | 2,899 |
| Noncurrent loans to loans | 4.1029% | 1,806 |
| Net loans and leases to total assets | 49.7475% | 6,350 |
| Net loans and leases to deposits | 64.0544% | 5,910 |
| Net loans and leases to core deposits | 66.1793% | 6,107 |
| Total domestic deposits to total assets | 77.6644% | 6,323 |
| Equity capital to assets | 13.6247% | 1,305 |
| Core capital (leverage) ratio | 12.6804% | 1,345 |
| Tier 1 risk-based capital ratio | 21.0658% | 1,348 |
| Total risk-based capital ratio | 22.3217% | 1,323 |
| Memoranda: |
| Average total assets | $79,609,750 | 5,670 |
| Average earning assets | $70,829,000 | 5,710 |
| Average equity | $10,836,250 | 4,964 |
| Average total loans | $39,633,500 | 6,018 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5235% | 2,429 |
| Cost of funding earning assets | 1.6292% | 2,486 |
| Net interest margin | 3.8943% | 3,473 |
| Noninterest income to average assets | 0.4482% | 4,532 |
| Noninterest expense to average assets | 3.9534% | 1,101 |
| Loan and lease loss provision to assets | 0.5133% | 2,749 |
| Net operating income to assets | -0.0801% | 6,198 |
| Return on assets (ROA) | -0.0801% | 6,282 |
| Pretax return on assets | -0.5533% | 6,629 |
| Return on Equity (ROE) | -0.5888% | 6,271 |
| Retained earnings to average equity (ytd only) | -3.4960% | 6,367 |
| Net charge-offs to loans | 1.4941% | 1,282 |
| Credit loss provision to net charge-offs | 69.4915% | 4,980 |
| Earnings coverage of net charge-offs (x) | -0.0542% | 5,763 |
| Efficiency ratio | 101.0237% | 768 |
| Assets per employee ($millions) | 3.5763% | 4,741 |
| Cash dividends to net income (ytd only)* | -493.7500% | 7,816 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1133% | 5,878 |
| Loan loss allowance to noncurrent loans | 38.8350% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 1.9891% | 3,511 |
| Noncurrent loans to loans | 2.8668% | 2,789 |
| Net loans and leases to total assets | 49.6721% | 6,467 |
| Net loans and leases to deposits | 63.9268% | 6,047 |
| Net loans and leases to core deposits | 65.5644% | 6,280 |
| Total domestic deposits to total assets | 77.7015% | 6,341 |
| Equity capital to assets | 13.6455% | 1,291 |
| Core capital (leverage) ratio | 12.9185% | 1,237 |
| Tier 1 risk-based capital ratio | 21.4847% | 1,271 |
| Total risk-based capital ratio | 22.4223% | 1,291 |
| Memoranda: |
| Average total assets | $79,880,330 | 5,705 |
| Average earning assets | $71,078,670 | 5,738 |
| Average equity | $10,869,670 | 4,952 |
| Average total loans | $39,488,330 | 6,067 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5411% | 2,399 |
| Cost of funding earning assets | 1.6607% | 2,592 |
| Net interest margin | 3.8805% | 3,404 |
| Noninterest income to average assets | 0.4274% | 4,680 |
| Noninterest expense to average assets | 2.7982% | 4,489 |
| Loan and lease loss provision to assets | 0.2435% | 4,101 |
| Net operating income to assets | 0.7555% | 3,185 |
| Return on assets (ROA) | 0.7555% | 3,293 |
| Pretax return on assets | 0.8350% | 3,726 |
| Return on Equity (ROE) | 5.5594% | 4,082 |
| Retained earnings to average equity (ytd only) | 2.0116% | 4,926 |
| Net charge-offs to loans | 0.0405% | 5,015 |
| Credit loss provision to net charge-offs | 1,225.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 534 |
| Efficiency ratio | 72.1795% | 3,899 |
| Assets per employee ($millions) | 3.5850% | 4,857 |
| Cash dividends to net income (ytd only)* | 63.8158% | 1,158 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4706% | 4,066 |
| Loan loss allowance to noncurrent loans | 27.4988% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 3.7429% | 1,860 |
| Noncurrent loans to loans | 5.3478% | 1,327 |
| Net loans and leases to total assets | 48.8462% | 6,586 |
| Net loans and leases to deposits | 63.2024% | 6,147 |
| Net loans and leases to core deposits | 65.2557% | 6,343 |
| Total domestic deposits to total assets | 77.2854% | 6,500 |
| Equity capital to assets | 13.9039% | 1,173 |
| Core capital (leverage) ratio | 12.9455% | 1,226 |
| Tier 1 risk-based capital ratio | 22.2096% | 1,175 |
| Total risk-based capital ratio | 23.4414% | 1,156 |
| Memoranda: |
| Average total assets | $80,481,500 | 5,755 |
| Average earning assets | $71,537,500 | 5,796 |
| Average equity | $10,936,500 | 4,995 |
| Average total loans | $39,472,000 | 6,145 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9709% | 1,987 |
| Cost of funding earning assets | 1.9284% | 3,313 |
| Net interest margin | 4.0424% | 2,687 |
| Noninterest income to average assets | 0.4717% | 4,643 |
| Noninterest expense to average assets | 3.0184% | 4,079 |
| Loan and lease loss provision to assets | 0.5638% | 3,554 |
| Net operating income to assets | 0.5802% | 3,403 |
| Return on assets (ROA) | 0.5802% | 3,480 |
| Pretax return on assets | 0.4881% | 4,217 |
| Return on Equity (ROE) | 4.2739% | 3,973 |
| Retained earnings to average equity (ytd only) | 1.4215% | 4,073 |
| Net charge-offs to loans | 1.2642% | 1,955 |
| Credit loss provision to net charge-offs | 86.4603% | 6,116 |
| Earnings coverage of net charge-offs (x) | 1.6132% | 4,535 |
| Efficiency ratio | 74.1556% | 3,865 |
| Assets per employee ($millions) | 3.5693% | 4,846 |
| Cash dividends to net income (ytd only)* | 66.7391% | 1,694 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3302% | 4,589 |
| Loan loss allowance to noncurrent loans | 28.0572% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 3.3499% | 2,036 |
| Noncurrent loans to loans | 4.7410% | 1,466 |
| Net loans and leases to total assets | 47.8896% | 6,822 |
| Net loans and leases to deposits | 61.0988% | 6,550 |
| Net loans and leases to core deposits | 70.0397% | 6,771 |
| Total domestic deposits to total assets | 78.3806% | 6,150 |
| Equity capital to assets | 13.2862% | 1,401 |
| Core capital (leverage) ratio | 12.7020% | 1,352 |
| Tier 1 risk-based capital ratio | 21.5893% | 1,205 |
| Total risk-based capital ratio | 22.6988% | 1,196 |
| Memoranda: |
| Average total assets | $79,280,000 | 5,750 |
| Average earning assets | $70,576,200 | 5,795 |
| Average equity | $10,763,000 | 5,088 |
| Average total loans | $40,894,000 | 6,061 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0238% | 1,940 |
| Cost of funding earning assets | 1.9807% | 3,465 |
| Net interest margin | 4.0431% | 2,623 |
| Noninterest income to average assets | 0.4989% | 4,491 |
| Noninterest expense to average assets | 3.1153% | 3,601 |
| Loan and lease loss provision to assets | 0.2070% | 5,328 |
| Net operating income to assets | 0.7686% | 2,943 |
| Return on assets (ROA) | 0.7686% | 3,006 |
| Pretax return on assets | 0.7822% | 3,594 |
| Return on Equity (ROE) | 5.6305% | 3,680 |
| Retained earnings to average equity (ytd only) | 2.7469% | 3,796 |
| Net charge-offs to loans | 0.8196% | 2,328 |
| Credit loss provision to net charge-offs | 48.2213% | 6,337 |
| Earnings coverage of net charge-offs (x) | 2.3044% | 4,100 |
| Efficiency ratio | 75.8991% | 3,532 |
| Assets per employee ($millions) | 3.4530% | 5,040 |
| Cash dividends to net income (ytd only)* | 51.2153% | 1,945 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1543% | 5,391 |
| Loan loss allowance to noncurrent loans | 20.1981% | 7,080 |
| Noncurrent assets plus other real estate owned to assets | 4.0204% | 1,586 |
| Noncurrent loans to loans | 5.7151% | 1,077 |
| Net loans and leases to total assets | 50.5672% | 6,733 |
| Net loans and leases to deposits | 65.2966% | 6,371 |
| Net loans and leases to core deposits | 75.2201% | 6,654 |
| Total domestic deposits to total assets | 77.4424% | 6,231 |
| Equity capital to assets | 13.8456% | 1,359 |
| Core capital (leverage) ratio | 13.2165% | 1,319 |
| Tier 1 risk-based capital ratio | 21.7640% | 1,253 |
| Total risk-based capital ratio | 22.7473% | 1,267 |
| Memoranda: |
| Average total assets | $78,576,750 | 5,809 |
| Average earning assets | $70,075,750 | 5,842 |
| Average equity | $10,727,000 | 5,138 |
| Average total loans | $41,156,500 | 6,098 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1018% | 1,786 |
| Cost of funding earning assets | 2.0263% | 3,652 |
| Net interest margin | 4.0755% | 2,414 |
| Noninterest income to average assets | 0.5134% | 4,326 |
| Noninterest expense to average assets | 2.9580% | 4,258 |
| Loan and lease loss provision to assets | 0.1533% | 5,539 |
| Net operating income to assets | 0.9094% | 2,421 |
| Return on assets (ROA) | 0.9094% | 2,521 |
| Pretax return on assets | 1.0243% | 2,908 |
| Return on Equity (ROE) | 6.6934% | 3,338 |
| Retained earnings to average equity (ytd only) | 3.4595% | 3,388 |
| Net charge-offs to loans | 0.5226% | 2,758 |
| Credit loss provision to net charge-offs | 55.5556% | 5,669 |
| Earnings coverage of net charge-offs (x) | 4.2685% | 3,155 |
| Efficiency ratio | 71.5256% | 4,504 |
| Assets per employee ($millions) | 3.2304% | 5,506 |
| Cash dividends to net income (ytd only)* | 48.3146% | 2,113 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3512% | 3,972 |
| Loan loss allowance to noncurrent loans | 28.0773% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 2.9511% | 2,162 |
| Noncurrent loans to loans | 4.8125% | 1,293 |
| Net loans and leases to total assets | 51.9799% | 6,695 |
| Net loans and leases to deposits | 68.4211% | 6,142 |
| Net loans and leases to core deposits | 76.8952% | 6,616 |
| Total domestic deposits to total assets | 75.9706% | 6,555 |
| Equity capital to assets | 13.8282% | 1,375 |
| Core capital (leverage) ratio | 13.2920% | 1,332 |
| Tier 1 risk-based capital ratio | 21.9975% | 1,259 |
| Total risk-based capital ratio | 23.1715% | 1,242 |
| Memoranda: |
| Average total assets | $78,296,000 | 5,851 |
| Average earning assets | $69,586,330 | 5,900 |
| Average equity | $10,637,330 | 5,180 |
| Average total loans | $41,332,330 | 6,142 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1788% | 1,663 |
| Cost of funding earning assets | 2.0481% | 3,889 |
| Net interest margin | 4.1307% | 2,164 |
| Noninterest income to average assets | 0.5287% | 4,069 |
| Noninterest expense to average assets | 2.9589% | 3,943 |
| Loan and lease loss provision to assets | 0.1525% | 4,978 |
| Net operating income to assets | 0.9456% | 2,528 |
| Return on assets (ROA) | 0.9456% | 2,658 |
| Pretax return on assets | 1.0676% | 3,114 |
| Return on Equity (ROE) | 7.0218% | 3,585 |
| Retained earnings to average equity (ytd only) | 2.7936% | 4,328 |
| Net charge-offs to loans | 1.0584% | 1,282 |
| Credit loss provision to net charge-offs | 27.2727% | 4,986 |
| Earnings coverage of net charge-offs (x) | 2.1818% | 3,649 |
| Efficiency ratio | 70.8029% | 4,415 |
| Assets per employee ($millions) | 3.1095% | 5,868 |
| Cash dividends to net income (ytd only)* | 60.2151% | 1,489 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2642% | 4,317 |
| Loan loss allowance to noncurrent loans | 30.6785% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 2.5946% | 2,207 |
| Noncurrent loans to loans | 4.1207% | 1,451 |
| Net loans and leases to total assets | 52.2447% | 6,656 |
| Net loans and leases to deposits | 68.8688% | 6,094 |
| Net loans and leases to core deposits | 77.4751% | 6,575 |
| Total domestic deposits to total assets | 75.8612% | 6,536 |
| Equity capital to assets | 13.7359% | 1,453 |
| Core capital (leverage) ratio | 13.1140% | 1,446 |
| Tier 1 risk-based capital ratio | 21.7663% | 1,325 |
| Total risk-based capital ratio | 22.8724% | 1,321 |
| Memoranda: |
| Average total assets | $78,679,000 | 5,866 |
| Average earning assets | $69,528,000 | 5,927 |
| Average equity | $10,595,500 | 5,213 |
| Average total loans | $41,572,500 | 6,162 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6407% | 2,287 |
| Cost of funding earning assets | 2.4808% | 4,311 |
| Net interest margin | 4.1599% | 2,462 |
| Noninterest income to average assets | 0.6433% | 3,524 |
| Noninterest expense to average assets | 2.9539% | 4,245 |
| Loan and lease loss provision to assets | 0.4314% | 3,133 |
| Net operating income to assets | 1.0849% | 2,204 |
| Return on assets (ROA) | 1.0849% | 2,125 |
| Pretax return on assets | 0.9580% | 3,530 |
| Return on Equity (ROE) | 8.4434% | 2,870 |
| Retained earnings to average equity (ytd only) | 3.5848% | 2,913 |
| Net charge-offs to loans | 0.5087% | 2,321 |
| Credit loss provision to net charge-offs | 157.4074% | 3,304 |
| Earnings coverage of net charge-offs (x) | 5.0694% | 3,763 |
| Efficiency ratio | 68.0105% | 4,721 |
| Assets per employee ($millions) | 3.3175% | 5,168 |
| Cash dividends to net income (ytd only)* | 57.5439% | 2,781 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4282% | 3,037 |
| Loan loss allowance to noncurrent loans | 33.8600% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 2.8247% | 1,664 |
| Noncurrent loans to loans | 4.2179% | 1,157 |
| Net loans and leases to total assets | 52.0108% | 6,844 |
| Net loans and leases to deposits | 66.8512% | 6,578 |
| Net loans and leases to core deposits | 74.4454% | 6,943 |
| Total domestic deposits to total assets | 77.8008% | 5,776 |
| Equity capital to assets | 13.2040% | 1,708 |
| Core capital (leverage) ratio | 13.0632% | 1,524 |
| Tier 1 risk-based capital ratio | 21.1092% | 1,444 |
| Total risk-based capital ratio | 22.3559% | 1,412 |
| Memoranda: |
| Average total assets | $78,812,200 | 5,737 |
| Average earning assets | $70,098,400 | 5,816 |
| Average equity | $10,126,200 | 5,367 |
| Average total loans | $42,460,000 | 6,051 |
